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Growing your savings, rain or shine with Privilege$aver
  1. Deposits
  2. Privilege$aver

Growing your savings, rain or shine with Privilege$aver

Better returns with Privilege$aver1

  • Secure higher earnings of up to
    6.15% p.a.

    during the month, from now till 31 January 2026.

  • Unlimited withdrawal
    fee waiver

    at all MEPS ATMs nationwide. Subject to minimum deposit of RM1,500 fresh funds during the month.

  • Enjoy banking convenience with
    unlimited free

    instant interbank fund transfers.

1Privilege$aver Terms and Conditions apply

Privilege$aver Calculator

Increase your returns by earning higher interest/return from your deposits.

RM
Your estimated annual interest / return1
Please enter a minimum amount of RM2,000

RM @ % p.a.

Your estimated annual interest / return1

RM @ % p.a.

More information
  • Bonus Save

Would you deposit RM3,000 or more in eligible accounts?

No Yes
Bonus Interest/Hibah (p.a.)

0.70%

Save

Deposit RM3,000 in fresh funds into your Privilege Savings Account or Super Salary-i and earn 0.70% p.a. bonus interest/hibah.

How to automate your savings?
Open a Privilege Savings Account or Super Salary-i as your salary account or set up Standing Instructions (SI) for monthly deposit.

*Privilege Savings Account and Super Salary-i are protected by PIDM up to RM250,000 for each depositor.

Note: The maximum Monthly Average Balance (MAB) that is eligible for bonus interest/hibah is RM100,000.

More information
  • Bonus Spend

Is your monthly credit card spend RM500 or more?

No Yes
Bonus Interest (p.a.)

0.70%

Spend

Credit Card*
Spend RM500 on your credit card to earn 0.70% p.a. bonus interest.
How to automate your savings?
Set up standing instructions for bill payments or automate transfers for e-wallet top-ups.

*Credit Card is only applicable for Standard Chartered Bank Malaysia Berhad.

Note: The maximum Monthly Average Balance (MAB) that is eligible for bonus interest/hibah is RM100,000.
Eligible customer must be a Standard Chartered Bank Malaysia Berhad credit cardholder.

More information
  • Bonus Pay

Would you make at least two JomPAY bill payments?

No Yes
Bonus Interest/Hibah (p.a.)

0.70%

Pay

Bill Payment
Perform at least two (2) JomPAY bill payment transactions via your Eligible Account.
How to automate your savings?
Add Biller as Payee and setup recurring payments for your monthly bill payments including utilities, insurance premiums and phone bills.

Note: The maximum Monthly Average Balance (MAB) that is eligible for bonus interest/hibah is RM100,000.

More information
  • Bonus Invest

Invest minimum of RM10,000 in eligible products?

No Yes
Bonus Interest/Hibah (p.a.)

2.00%

For 3 Months

Invest

Invest a minimum of RM10,000 in Online Unit Trust(s) during the month to earn additional 2.00% p.a. bonus interest/hibah for up to 3 months.

How to automate your savings?
Invest in Unit Trusts through SC Mobile Banking App.

Note: The maximum Monthly Average Balance (MAB) that is eligible for bonus interest/hibah under the Bonus Invest category is RM30,000.

More information
  • Bonus Payroll

Would you deposit RM3,000 or more in eligible accounts? (Exclusively for New Employee Banking clients)

No Yes
Bonus Interest/Hibah (p.a.)

2.00%

For 6 Months

Payroll

Join us as a new Employee Banking client and deposit RM3,000 in fresh funds into your Privilege Savings Account or Super Salary-i to earn additional 2.00% p.a. bonus interest/hibah for your first 6 months.

How to automate your savings?
Open a Privilege Savings Account or Super Salary-i and use it as your salary account.

Note: The maximum Monthly Average Balance (MAB) that is eligible for bonus interest/hibah is RM100,000.

Disclaimer

The maximum Monthly Average Balance (MAB) that is eligible for bonus interest/hibah is RM100,000 for Save, Spend, Pay and Payroll Categories, and RM30,000 for the Invest Category. Prevailing interest/profit rate of 0.05% p.a. has been included in the calculation.

Malaysian/Permanent Resident

1. Identification Document
NRIC

2. Age Requirement
For clients applying for Privilege Savings Account/ Super Salary-i(Payroll) and Debit Card: Minimum 18 years old

Foreigners

Please prepare the following:

1. Identification Document
Valid Passport (with at least 6 months’ validity)

2. Proof of Employment/Study (Any ONE of the following documents)
Employment Pass/Work permit
Student Pass

3. Proof of residential address (Any ONE of the following documents)
i. Latest utility /mobile/ internet subscription bill
ii. Driving License
iii. Latest bank/credit card statement
iv. Rental agreement showing your address
v. Letter from employer stating current address
vi. Government-issued document stating current address

Services and Charges
  1. Minimum deposit to open account: Nil
  2. Early Account Closure (within 3 months) : RM 20
  3. Paper statement fee: RM 5

Refer here for all relevant fees and charges

Privilege$aver Campaign is open to existing and new clients with Privilege Savings Account or Super Salary-i (Payroll). Earn up to 6.15% p.a. returns on your savings for up to RM 100,000 in your Privilege Savings Account or Super Salary-i (Payroll) when you meet all requirements below during the month:

  • Deposit a minimum of RM 3,000 fresh funds.
  • Perform at least two (2) JomPAY bill payment transactions.
  • Perform credit card spends of minimum RM 500.
  • Subscribe a minimum RM 10,000 of Online Unit Trust.
  • Join us as a new Employee Banking client and deposit a minimum of RM 3,000 fresh funds monthly.

Unlike other current and savings account, Privilege Savings Account and Super Salary-i (Payroll) are unique accounts offering returns that are higher than any fixed deposit. You can earn up to 6.15% p.a. returns for up to RM 100,000 deposit as you consolidate your salary credit, spends, and wealth needs with just a single account.

You can earn up to 6.15% p.a. returns on up to RM 100,000 Monthly Average Balance in your Privilege Savings Account or Super Salary-i (Payroll).

You will receive 2 types of returns on your account balance every month:

  1. i) Base interest/profit: 0.05% p.a.
  2. ii) Bonus interest/hibah :

You earn bonus interest/Hibah on up to RM 100,000 of your account’s Monthly Average Balance when you perform any or all of these during the month:

Earn 0.70% p.a. for depositing at least RM 3,000 to Privilege Savings Account or Super Salary-i(Payroll)

Earn 0.70% p.a. for performing at least two (2) JomPAY bill payment transactions via Privilege Savings Account or Super Salary-i(Payroll)

Earn 0.70% p.a. for spending at least RM 500 in eligible transactions on your Credit Card

Earn 2.00% p.a. for 3 months when you subscribe a minimum of RM 10,000 in Online Unit Trust

Earn 2.00% p.a. for 6 months when you join us as a new Employee Banking client and deposit a minimum of RM 3,000 fresh funds monthly.

You must be 18 years old and above to be eligible.

Yes. The maximum Monthly Average Balance of bonus interest/hibah is subject to a cap per account of RM 100,000 for Save, Spend, Pay and Payroll Categories, and RM30,000 for the Invest Category. Any balance in excess of the cap is not eligible for bonus interest/hibah (but the base interest/profit will apply).

You may have multiple Privilege Savings Account and Super Salary-i (Payroll), but only one account is eligible for the bonus interest/hibah.

Yes. The spend from supplementary cardholder will be consolidated; and the total spend amount will be used to track the eligibility of bonus interest.

No. You must be the primary credit cardholder for the spend to be eligible. However, any spending by supplementary cardholders will be eligible for the primary credit card holders spend bonus interest eligibility.

No. Credit Card is only applicable for Standard Chartered Bank Malaysia Berhad (SCBMB).

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PIDM  Perbankan Islam

* Only deposits are protected by PIDM up to RM250,000 for each depositor.

* Click here for PIDM’s DIS Brochure