Standard Chartered Cashback Gold MasterCard credit card

Also available as Visa

Standard Chartered Cashback Gold MasterCard

Go for gold! A card that offers you tons of rewards and privileges. Have the convenience of worldwide acceptance and year long deals and discounts.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 5.99% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM185.50 annual fee

Apply online now for Standard Chartered Cashback Gold MasterCard

RinggitPlus will help you every step of the way.

By registering online you agree to our terms of use, and your application must be made on Standard Chartered Bank's website and you understand the Terms and Conditions.

You've almost completed your application for Standard Chartered Cashback Gold MasterCard

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Standard Chartered website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Enjoy up to 5% CashBack! Just spend a minimum of RM500 a month on your new Standard Chartered Cashback Gold MasterCard to start saving on groceries, dining, and more!
Discover how much you can save when you shop with your new Standard Chartered Cashback Gold MasterCard
Cashback CategoryCashback RateMonthly CapMinimum Retail Spend
All Retail (Except Petrol & Insurance)Minimum Retail Spendfrom RM500 and above monthly2%RM10RM500 monthly
All Retail (Except Petrol & Insurance)Minimum Retail Spendfrom RM800 and above monthly3%RM25RM800 monthly
All Retail (Except Petrol & Insurance)Minimum Retail Spendfrom RM1500 and above monthly5%RM50RM1500 monthly
Rewards
Enjoy fantastic dining deals at your favourite restaurants, indulge in some retail therapy and pamper yourself with tempting treats at luxury spas. Just remember to call ahead to make a reservation.
Balance Transfer
Managed the debts that you've accumulated on other credit cards with Standard Chartered Balance Transfer PLUS. Enjoy lower interest rates of 5.99% p.a. with repayment periods up to 36 months.
Pay OverWith Interest Rate AtWhen You Transfer
Up to 12 months5.99% p.a. and no admin feefrom RM1000 
Up to 18 months5.99% p.a. and no admin feefrom RM1000 
Up to 24 months5.99% p.a. and no admin feefrom RM1000 
Up to 36 months5.99% p.a. and no admin feefrom RM1000 
Learn more about Standard Chartered Balance Transfer PLUS
Easy Payment Plan (EPP)
Stretch your purchases over 12 months with Standard Chartered FlexiPay, and get low rates of 7.88% interest per annum. Only if you have a healthy credit balance!
Pay OverWith Interest Rate AtWhen You Spend
12 months7.88% p.a. and no admin feefrom RM500 
Learn more about Standard Chartered FlexiPay

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM185.50
Annual Fee for Supplementary Card
RM106.00
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM26.50 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
PayPass

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Standard Chartered FlexiPay
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Standard Chartered Cheque On Call Plus
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Standard Chartered Balance Transfer PLUS
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Standard Chartered Cashback Gold MasterCard review

What's so good (or not so good) about it?

Having a credit card that is not recognised across the globe is like owning a passport that does not allow you to travel. Fortunately, you will not face such a predicament with Standard Chartered Cashback Gold MasterCard as it is accepted at over 17 million establishments worldwide. This credit card will also pamper you with many fantastic rewards and privileges.

Lifestyle Privileges

Standard Chartered Cashback Gold MasterCard offers cardholders many exclusive shopping, dining and entertainment deals locally and overseas. These lifestyle privileges include discounts and special offers at your favourite restaurants, luxury spas and retail outlets. Now, you have a good reason to pamper yourself and your family or indulge in some retail therapy.

Great CashBack

Enjoy up to 5% attractive cash rebate every month! Just spend at least RM500 to start putting money back into your wallet - get rewarded for all your spending except for insurance and expenses at petrol stations.

Flexi Payment Plan

With such an attractive offers and privileges, it is definitely hard for cardholders to resist the temptation of buying their favourite things. Some of these items may be quite expensive such as a branded handbag or the latest electronic gadget. 

It's now even easier for cardholders to indulge with Standard Chartered FlexiPay. Cardholders can charge any retail purchase over RM500 to their Standard Chartered Cashback Gold MasterCard and pay for it over a period of 12 months at a low interest rate of 7.88%p.a. per year.

Balance Transfer

This credit card also has a balance transfer feature which helps cardholders to manage their finances more efficiently. Standard Chartered Balance Transfer PLUS offers up to 36-month payment term with a considerably low 5.99%p.a. interest rate per annum on all outstanding balances transferred from other credit cards or charge cards.

This plan allows cardholders to consolidate all their credit card balances onto one card, making payment a breeze and saving on interest payments at the same time.

Easy to Apply

To be eligible for Standard Chartered Cashback Gold MasterCard, you need to be at least 21 years old and earning a minimum of RM24000 per year. The low entry level income enables most young graduates who have just started working to apply for this credit card. Annual fee is set at RM185.50 for the principal card and RM106 for each supplementary card. 

Read More