Standard Chartered JustOne Platinum MasterCard

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

Standard Chartered JustOne Platinum MasterCard15% Petrol Cashback
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 15% per month
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 9.88% p.a.
Interest Rate*
15% p.a.
Interest-free
20 days

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Cashback

Gain cashback up to 15% every month on petrol transactions, online shopping and utility payments via auto-billing. Spending outside of these categories earn you 0.2% cashback. The cashback for auto-bill payments, online purchases and petrol is capped at RM20 each, subject to the cashback cap in each spend tier.

RETAIL SPEND PER CALENDAR MONTH (RM)AUTO BILL PAYMENTS, ONLINE PURCHASES AND PETROLOTHER CATEGORIESCASHBACK CAP (RM)
from RM2,500 and above monthly15%0.2%RM60
from RM1,500 up to RM2,499 monthly10%0.2%RM28
from RM1,000 up to RM1,499 monthly5%0.2%RM12
up to RM999 monthly0.2%0.2%RM2

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.

Premium

Get normal GSC tickets for RM10 for showtimes after 1pm every day, except on Wednesday. Purchases must be made via GSC website or app. Get covered with up to USD200 when you shop at any e-commerce platform. Collect multiple cashbacks when you reload and make purchases with selected E-Wallets such as GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Terms and conditions apply.

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
12 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Standard Chartered Balance Transfer PLUS

Easy Payment Plans

Standard Chartered FlexiPay Plus lets you spread out your repayment over 12-month tenure with low interest rates, for successful applications made via Online Banking only.

Standard Chartered FlexiPay Plus
Pay OverWith Interest Rate AtWhen You Spend
6 months9.88% p.a. and no one-time upfront handling feeRM500
9 months9.88% p.a. and no one-time upfront handling feeRM500
12 months9.88% p.a. and no one-time upfront handling feeRM500
18 months9.88% p.a. and no one-time upfront handling feeRM500
Learn more about Standard Chartered FlexiPay Plus

Fees & Charges

Annual Fee
  • RM250 primary card

    First year free for new customers only

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM25 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
PayPass

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Standard Chartered FlexiPay Plus
Fancy a new accessory? Child's tuition fee due next month? Emergency medical expenses? Convert them all via a convenient instalment plan with Standard Chartered.
Cash Advance / Cash Loan
Standard Chartered Cheque On Call Plus
Enjoy affordable interest rates and repayment terms of up to 60 months. Hassle free-application with no supporting documents required.
Balance Transfer Plans
Standard Chartered Balance Transfer PLUS
Transfer your outstanding balance to a new Standard Chartered credit card with low interest rates. Stretch your repayments for as long as you can!

Review

Swipe on the monthly essentials with your Standard Chartered credit card to enjoy cashback up to 15% on petrol, online purchases and bills that are setup for auto-billing!

Highlights of Standard Chartered JustOne Platinum MasterCard

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 Auto bill payment, online purchases 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:

Self-employed Salaried Employee Salaried Expatriate
Photocopy of MyKad (both sides) Photocopy of MyKad (both sides) Passport copy
Photocopy of Business Registration Form Latest EPF statement / 2 months salary slip Latest 2 months salary slip
Latest Form B with tax receipt Choose 1:
  • 3 months bank statement
  • Latest EA Form
  • Latest BE Form with tax receipt
Letter of employment
    Working permit with min. validity of 1 year during application
    Proof of home address, i.e. utility bill

Get Cashback for 5 E-Wallets

Rejoice all Standard Chartered credit cardholders as you get to collect multiple cashbacks when you reload and make purchases with selected E-Wallets. These include GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Head over to our blog post to find out more! Terms and conditions apply.

E-wallets / Apps Cashback Deals Requirements Eligible Credit Cards Expiry
GrabPay RM10 Grab Merchant Voucher Reload min. RM200 - Priority Banking Visa Infinite
- WorldMiles World Mastercard
- JustOne Platinum
- Visa Platinum
- Smart Credit Card
- Liverpool FC Cashback
31 Dec 2021
FavePay & Fave Deals FavePay
20% cashback (RM5 cap)

Fave Deals
25% cashback (RM5 cap)

FavePay & Fave Deals
50% cashback (RM5 cap)
FavePay - spend min. RM10, promo code (FAVESCB1)

Fave Deals - enter promo code (FAVESCB2) when checking out

FavePay & Fave Deals - new customers only, spend min. RM10,
promo code (FAVESCBNEW)
All Standard Chartered credit cards 31 Dec 2021
Lazada Wallet 10% cashback on weekends Reload min. RM150 every Saturday & Sunday All Standard Chartered credit cards 31 Mar 2021
Boost RM10 cashback monthly Reload min. RM100 for your first top-up with SCB credit cards on the app All Standard Chartered credit cards 31 July 2021
Touch 'n Go eWallet RM10 cashback monthly Reload min. RM100 for your first top-up with SCB credit cards on the app All Standard Chartered credit cards 31 July 2021

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.