Standard Chartered JustOne Platinum MasterCard credit card

Standard Chartered JustOne Platinum MasterCard

Shop online, swipe on petrol and setup auto-billing to enjoy great rebates up to 15% each month with the cashback card that's designed for the savvy user.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 15% cashback
  • 5.99% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM265.00 annual fee

Enjoy up to 15% Cashback Every Month

Complimentary Lenovo Tablet on your new Standard Chartered JustOne Platinum MasterCard Credit Card.

Apply online now for Standard Chartered JustOne Platinum MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Start your extra cashback tier rewards with a minimum spend of RM1,000 each month and get great rebates on petrol, online shopping and utility payments via auto-billing. Other retail spending gives you 0.2% cashback.
Discover how much you can save when you shop with your new Standard Chartered JustOne Platinum MasterCard
Cashback CategoryCashback RateMonthly CapMinimum Retail Spend
Petrol, Online Purchases and Auto-Bill PaymentsMinimum Retail Spendfrom RM1000 up to RM1499 monthly5%RM12from RM1000 up to RM1499 monthly
Petrol, Online Purchases and Auto-Bill PaymentsMinimum Retail Spendfrom RM1500 up to RM2499 monthly10%RM28from RM1500 up to RM2499 monthly
Petrol, Online Purchases and Auto-Bill PaymentsMinimum Retail Spendfrom RM2500 and above monthly15%RM85RM2500 monthly
Balance Transfer
Take control of your credit debt instead of accumulating more with minimum monthly repayments. Enjoy lower interest rates of 5.99% interest p.a. and repayment periods up to 36 months with Balance Transfer PLUS.
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)
Standard Chartered FlexiPay lets you spread out your repayment over a fixed 12-month tenure at 7.88% p.a., for successful applications made via Online Banking only.
Pay OverWith Interest Rate AtWhen You Spend
12 months7.88% p.a. and no admin feefrom RM500 
Learn more about Standard Chartered FlexiPay
Petrol
Stop the drain on your fuel tank and wallet every month. Grab up to 15% cash rebates when you swipe at any petrol station.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM265.00
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%
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
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 Platinum MasterCard review

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

Swipe on the monthly essentials with your Standard Chartered JustOne Platinum MasterCard and get great cash rebates on petrol, online purchases and bills that are setup for auto-billing. You'll also earn 0.2% cashback on all other transactions, giving you extra savings all year round.

Bigger CashBack

Maximise your cashback each month when you charge your monthly purchases to your JustOne Platinum MasterCard based on the unique cashback tiers.

You'll get higher rebate rates on petrol, online purchases and auto-bill payments according to the minimum spend amount requirements below:

·  RM1000 a month = 5% cashback

·  RM1500 a month = 10% cashback

·  RM2500 a month = 15% cashback

Your cashback rebates are capped at RM12, RM28 and RM85 respectively for each tier, every month.

How do I earn these CashBack rebates?

All local and international retail purchases charged to your JustOne Platinum MasterCard will be added cumulatively each month. The cashback rates that you'll get on your petrol, online purchases and auto-bill payments will then be credited to your account based on the total monthly spend amount. 

If you sign up family members for a supplementary card, any retail purchases made to a supplementary card will also count towards your monthly spend and higher cashback tiers.

Retail purchases exclude: cash advances, cash withdrawals, charges for cash advance or cash withdrawals, annual fees, interest, finance charges, disputed transactions, balance transfers, government-related payments and charity donations.

Exclusive Discounts

Enjoy shopping and dining discounts at outlets across Asia with your Standard Chartered credit card. Good Life promotional discounts await all Standard Chartered cardholders, including special online deals at GemFive, Zalora, Golden Screen Cinemas, and many more. 

Fees and Charges

The annual fee for the Standard Chartered JustOne Platinum MasterCard is RM265, inclusive of 6% GST. Interest rates are tiered between 15-18% p.a. Prompt payment for 12 consecutive months will see a finance charge of only 15% p.a. 

Late payments will result in fees of RM10 or 1% of the owed amount, whichever is higher. Late payment fees are capped at RM100. 

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