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    Standard Chartered CashBack Credit Cards

    Standard Chartered Bank offers an array of credit cards that come with various benefits and privileges. Among the many Standard Chartered cards, there are quite a few that offer cashback on your expenses. Read further to find out features and benefits of these cards.

    Standard Chartered Cashback Platinum Mastercard Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    All retail transactions 2% RM500 RM10
    3% RM800 RM25
    5% RM1,500 RM50

    Features and Benefits

    • Enjoy up to 5% cash rebate on your retail purchases excluding petrol and insurance related transactions.
    • Get an annual fee waiver for the first year. Subsequently, get an annual fee waiver if you spend a minimum of RM20,000 p.a. on your card (effective from 1 August 2018).
    • Get an interest-free period of 20 days from the date of statement.
    • Get a balance transfer facility at a low interest rate.

    How Does Standard Chartered Cash Rebate Work?

    If you are making monthly retail purchases of RM2,500 with your card, you will be entitled for a cashback of 5%. This is because your minimum spend is exceeding RM1,500, which is the qualifying criteria to earn a cashback of 5%. Here’s the amount of cashback you can get:

    Cap on Cashback (for retail purchases) RM50 (for a 5% cashback)
    Spend Category Total Amount Spent Applicable Cashback Rate Cashback Earned
    Groceries = RM967 Shopping = RM1,533 RM2,500 5% RM50 (even though the estimated cashback is RM125, the capped amount will be considered here)

    Standard Chartered JustOne Platinum Mastercard Credit Card

    Cashback Category Cashback Rate Monthly Spend Monthly Cap
    Petrol, auto bill payments, and online purchases 0.2% Below RM1,000 RM12
    5% RM1,000 to RM1,499.99 RM12
    10% RM1,500 to RM2,499.99 RM28
    15% RM2,500 and above RM85
    Other categories 0.2% Below RM1,000 RM12
    0.2% RM1,000 to RM1,499.99 RM12
    0.2% RM1,500 to RM2,499.99 RM28
    0.2% RM2,500 and above RM85

    Features and Benefits

    • In a year, earn RM1,000 as cashback when you spend on recurring bill payments from utilities, telco, and insurance.
    • Enjoy cashback on all your daily spends including online purchases and petrol transactions.
    • Get 0.2% cashback on all other spends.
    • Get an annual fee waiver for the first year on your principal card.
    • Enjoy an annual fee waiver for the subsequent years if you spend a minimum of RM20,000 p.a. on the card (effective from 1 August 2018).
    • For a supplementary card, enjoy an annual fee waiver for life.

    How Does Standard Chartered Cash Rebate Work?

    Suppose you have spent RM1,150 in total on your petrol purchases, online shopping, and auto bill payments in a month. As per the cashback rate, you will be entitled for a 5% cashback. However, the amount is capped at RM12. Let’s find out the amount of cashback you will earn.

    Cap on Cashback RM12 (for a 5% cashback rate)
    Spend Category Total Amount Spent Applicable Cashback Cashback Earned
    Petrol purchases = RM290 Automatic bill payments = RM470 Online shopping = RM390 RM1,150 5% RM12 (even though the calculated cashback is RM57.5, the cashback granted depends upon the cap)

    Standard Chartered Priority Banking Visa Infinite Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    On airport transfers (if you are returning home from overseas travel via airport limousine or KLIA Ekspres ride) 12 times every year At least 3 retail transactions overseas in foreign currency with your PBVI card in the last 30 days (Eligible to members with a minimum Assets Under Management (AUM) of RM250,000 per month (as at last day of the month)) RM80

    Features and Benefits

    • Get a cashback of up to RM80 every month on your Airport Limousine or KLIA Ekspres ride home from the airport.
    • Enjoy 5x 360° Rewards Points on each RM1 spent overseas.
    • Earn 1x 360° Rewards Points on each RM1 spent on local retail transactions.
    • Convert your earned 360° Rewards Points into air miles of your preferred frequent flyer programme. You can do this online.
    • For the frequent flyer programme, you can choose from participating airlines that include Asia Miles, KrisFlyer, Enrich, and AirAsia BIG.
    • Enjoy a complimentary travel and medical insurance of RM50,000 as a principal cardholder.
    • Enjoy an annual fee waiver for 2 years.
    • Spend a minimum of RM10,000 every year to get an annual fee waiver for subsequent years.
    • Get unlimited free access to over 850 airport lounges across the globe.

    How Does Standard Chartered Cash Rebate Work?

    This credit card offers cashback only on airport transfers. Whenever you travel from airport to your home after an overseas journey, and hire an airport limousine or a KLIA Ekspres ride, you can get a cashback of up to RM80. The cash rebate will be offered to a principal cardholder only once in a month. Keep in mind that you should perform at least 3 retail transactions overseas in a foreign currency, with your PBVI card in the previous 30 days.

    Airport Transfer Mode Total Amount Paid Cashback Earned
    KLIA Ekspres ride RM100 RM80 (maximum cashback)

    Fees and Charges

    Type of Charges Annual fee
    Annual fee
    • Standard Chartered Cashback Platinum Mastercard Credit Card
    RM175 (for principal card) RM100 (for supplementary card)
    • Standard Chartered JustOne Platinum Mastercard Credit Card
    RM250 (for principal card) Waived (for supplementary card)
    • Standard Chartered Priority Banking Visa Infinite Credit Card
    RM800 (for principal card) RM400 (for supplementary card)
    Interest rate 15% p.a. to 18% p.a.
    Cash withdrawal fee Up to 5% or a minimum of RM25 for each transaction
    Transaction in a foreign currency Any conversion in a currency other than Ringgit Malaysia will be converted at an exchange rate as determined by Visa International or Mastercard Worldwide or the bank. Also, administration fee of 1% will be charged by the bank on the transacted amount.
    Late payment fee The higher amount between 1% of the total outstanding balance and RM10 (capped at a maximum of RM100)
    Minimum monthly payment Whichever is higher between 5% of the total outstanding balance and RM50

    Eligibility Criteria

    Name of the Card Age Criteria Income Criteria
    Standard Chartered Cashback Platinum Mastercard Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) Minimum RM24,000 p.a.
    Standard Chartered JustOne Platinum Mastercard Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) Minimum RM24,000 p.a.
    Standard Chartered Priority Banking Visa Infinite Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) This credit card is available only by invitation. To be eligible, you need to be a Priority Banking member with a minimum Assets Under Management (AUM) of RM250,000 per month

    Documents Required

    Card Documents
    To apply for Standard Chartered Cashback Platinum Mastercard Credit Card For salaried applicant:
    • Copy of NRIC (both sides)
    • Latest salary slip and bank statement (for 1 month), or
    • Latest salary slips and bank statement for commission earners (for 6 months), or
    • Latest EPF Statement, or
    • Latest Borang BE (full submission to LHDN)
    For a self-employed applicant:
    • Copy of NRIC (both sides)
    • Latest bank statements and Business Registration Form 9, 24, 49 (for 6 months), or
    • Latest EPF Statement, or
    • Latest Borang B/BE (full submission to LHDN)
    To apply for Standard Chartered JustOne Platinum Mastercard Credit Card For a salaried applicant:
    • Copy of NRIC (both sides)
    • Latest salary slip and bank statement (for 1 month), or
    • For commission earners, latest salary slips and bank statements (for 6 months), or
    • Latest EPF statement, or
    • Latest Borang BE (full submission to LHDN)
    For a self-employed applicant:
    • Copy of NRIC (both sides)
    • Latest bank statements and Business Registration Form 9, 24, 49 (for 6 months), or
    • Latest EPF statement, or
    • Latest Borang B/BE (full submission to LHDN)

    *(Standard Chartered Priority Banking Visa Infinite Credit Card is available exclusively by invitation)

    Applying for Standard Chartered Cashback Credit Card

    • Apply for the Standard Chartered JustOne Platinum Mastercard Credit Card or Standard Chartered Cashback Platinum Mastercard Credit Card via BBazaar Malaysia’s official website.
    • You can get free gifts of up to RM300 on applying through the website.
    • Standard Chartered Priority Banking Visa Infinite Credit Card is available only by invitation.

    If you are looking for a credit card that offers you cashback on your purchases, you can consider any one of the above mentioned Standard Chartered Credit Cards. Compare these cards and choose as per your lifestyle requirements.

    FAQs on Standard Chartered Cashback Credit Cards

    Q. What other facilities I can obtain on a Standard Chartered Cashback Credit Card?

    A. You can access facilities like Balance Transfer PLUS (BT PLUS), Cheque-On-Call Plus (COC Plus), FlexiPay Plus (FOP Plus), and Flexi-On Balance Plus (FOB Plus) on your credit card.

    Q. Is there any interest-free period provided for the retail purchases?

    A. A 20-day interest-free period, from the date of the statement, is provided if you have settled all your outstanding balances for the previous month.

    Q. Do I have to pay any penalty for my credit card replacement?

    A. No penalty will be charged for credit card replacement.

    Q. What is the maximum applicable age to get a Standard Chartered Cashback Credit Card?

    A. You can apply for the credit card up to the maximum age of 65 years.

    Q. Where should I contact if I need any further information about the product?

    A. You can contact 1300 888 888 (for local calls) or (603) 7711 8888 (for overseas calls) for any additional information about the credit cards.

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