Standard Chartered JustOne Gold MasterCard

Save on your weekly petrol expenses with up to 10% petrol cashback at all fuel stations in Malaysia. An easy access card with low income requirements.

15% p.a. interest rate
20 days interest-free period
up to 10% cashback
5.99% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM185.50 annual fee

Benefits
Fees & Charges
Requirements
Features
Review

Benefits

Because you should be rewarded for giving the bank your business

Cashback

Ease your pain at the pump with up to 10% petrol CashBack at all fuel stations in Malaysia - get your RON95 or RON97 at a cheaper price now. Your total retail spend must be inclusive of RM300, RM400, and RM700 minimum petrol spend respectively.

Discover how much you can save when you shop with your new Standard Chartered JustOne Gold MasterCard
Cashback Category		Cashback Rate	Monthly Cap	Minimum Retail Spend
All Retail	Minimum Retail Spendfrom RM500 and above monthly	4%	RM12	RM500 monthly
All Retail	Minimum Retail Spendfrom RM1000 and above monthly	7%	RM28	RM1000 monthly
All Retail	Minimum Retail Spendfrom RM2500 and above monthly	10%	RM70	RM2500 monthly

Balance Transfer

Consolidate the outstanding balance on your credit cards and manage your payments easier! Only 5.99% interest p.a. for up to 36 months tenure with Balance Transfer PLUS.

Pay Over	With Interest Rate At	When You Transfer
Up to 12 months	5.99% p.a. and no admin fee	from RM1000
Up to 18 months	5.99% p.a. and no admin fee	from RM1000
Up to 24 months	5.99% p.a. and no admin fee	from RM1000
Up to 36 months	5.99% p.a. and no admin fee	from RM1000

Learn more about Standard Chartered Balance Transfer PLUS

Easy Payment Plan (EPP)

Stretch your repayments over a fixed payment term of 12 months at 7.88% interest p.a. with Standard Chartered Flexipay. Check your credit limit before you swipe!

Pay Over	With Interest Rate At	When You Spend
12 months	7.88% p.a. and no admin fee	from RM500

Learn more about Standard Chartered FlexiPay

Petrol: Save up to RM70 a month on petrol - for most cars that's a full tank of fuel for free! With your new Standard Chartered JustOne Gold MasterCard, you can get up to RM840 back into your pocket.

Fees & Charges

There are always fees but how much are they?

Annual Fee: RM185.50
Annual Fee for Supplementary Card: RM0
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%

All fees & charges are inclusive of 6% GST if applicable

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 JustOne Gold MasterCard review

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

As oil prices keep tumbling down the hill, who needs a petrol cash rebate credit card? If history is any indication, commodity prices constantly fluctuate up and down. When oil prices bounce back, who will you turn to? Fret not thyself of tomorrow, the Standard Chartered JustOne Gold MasterCard is your salvation to relieve the pressure of spending week in and week out on petrol - wouldn't you want more money saved up for something else on your list?

Petrol CashBack

The Standard Chartered JustOne Gold MasterCard is as simple as it is generous. Receive attractive petrol CashBack every month when you swipe a minimum retail spend of at least RM500 a month, inclusive of RM300 petrol expenses. Retail purchases excludes cash advances, cash withdrawals, charges for cash advance or cash withdrawals, annual fees, interest, finance charges, disputed transactions, balance transfers and other such charges.

Remember that you have to redeem the petrol cashback earned via Standard Chartered 360⁰ Rewards.

Cheque-On-Call Plus

Cheque-On-Call Plus lets you borrow up to 100% of your available credit limit. The minimum amount you can apply for this plan is RM1,000.

With 5 repayment plans to choose from, you can say no to a penny-pinching lifestyle! At a low interest rate of 9.88%p.a., you gain a greater financial flexibility as your realise your financial goals.

FlexiPay

The minimum amount of any purchase eligible for the FlexiPay is RM500 for a repayment period of 12 months.

The approved FlexiPay will be debited from your existing credit limit which is shared jointly with all your other supplementary cards issued under your account.

Balance Transfer

Pay off higher-rate credit cards or consolidate your balances to make managing payments easier. The Balance Transfer plan offers the term of up to 36 months.These programme is only open to principal cardholder.