15% cashback for petrol and grocery spends
Swipe on the monthly essentials with your Standard Chartered credit card to enjoy cashback up to 15% on petrol, grocery shopping, online spends and e-wallet spend/reload!
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Highlights of Standard Chartered JustOne Platinum MasterCard |
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| Highest cashback rate | 15% cashback with a total monthly spend of RM2,500 and above |
| Highest cashback amount | RM20 per month |
| Min. spend to earn highest cashback amount | RM2,500 per month |
| Eligible spend to earn highest cashback rate | Grocery shopping, online spends, e-wallet spend/reload and petrol |
| Eligible Cardholder(s) | Principal and Supplementary |
Eligibility and Required Documents
Any individual aged 21 - 65 years old (principal card) and 18 years old (supplementary card) can apply for Standard Chartered JustOne Platinum MasterCard.
Another eligibility criteria is you must be earning minimum RM3,000 per month.
To complete your Standard Chartered credit card application, remember to prepare the documents below:
Salaried Employee (Private)
- Photocopy of NRIC (both sides) and
- 3 months payslips (3 months bank statements if required) or
- Latest EPF statement (minimum 6 months) or
- BE Form with LHDN Acknowledgement Receipt
Commission Earner (Private)
- Photocopy of NRIC (both sides) and
- 6 months payslips / commission statement or
- Latest EPF statement (minimum 6 months) or
- BE Form with LHDN Acknowledgement Receipt
Salaried Employee (Government)
- Photocopy of NRIC (both sides) and
- 3 months payslips and 3 months bank statement or
- Latest EPF statement (minimum 6 months) or
- BE Form with LHDN Acknowledgement Receipt
Employment in Singapore for Fixed and Commission Earner
- Photocopy of NRIC (both sides) and
- 3 months payslips (3 months bank statements if required) or
- 6 months payslips / commission statement or
- Latest income tax notice of assessment or latest 6 months CPF Contribution history statement
Self-employed
- Photocopy of NRIC (both sides) and
- SSM for Sole Proprietor / Partnership / Private Limited Co. (2 years and above) and
- B / BE Form with LHDN Acknowledgement Receipt
Annual Fee Waiver
The annual fee for JustOne Platinum MasterCard is RM250. No annual fee charged on supplementary cardholders.
However, if you are a new Standard Chartered customer, you will be exempted from paying the annual fee for the first year.
What happens if I did not make a repayment on time?
There will be a finance charge incurred on the outstanding credit card balance that are overdue. This finance charge, ranging from minimum 15% p.a. to maximum 18% p.a., is tiered based on the user's repayment behaviour in the last 12 months.
See table below for reference:
| Annual Rate | Condition |
| 15% | Cardmembers who promptly settle their Minimum Monthly Payment due for 12 consecutive months. |
| 17% | Cardmembers who promptly settle their Minimum Monthly Payment due for 10/11 months in the last 12 consecutive months. |
| 18% | Cardmembers who make 9 months or less prompt payments of their Minimum Monthly Payment in the last 12 consecutive months. |
For example, if within 12 months from the card approval date you have missed 3 credit card repayments consecutively, 18% p.a. finance charge will be levied on the credit card outstanding balance.
After which you have managed to consistently repay your credit card outstanding balance promptly and in full for 12 consecutive months, the finance charge will be defaulted to the minimum.
How do I earn cashback with Standard Chartered JustOne Platinum MasterCard?
All local and international retail purchases charged to your Standard Chartered 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 advances or cash withdrawals, annual fees, interest, finance charges, disputed transactions, balance transfers, government-related payments and charity donations.
