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    Standard Chartered Cashback Platinum Mastercard

    Standard Chartered Cashback Platinum Mastercard helps you enhance your monthly savings by earning you cashback on retail purchases. You can earn up to 5% cashback on retail purchases on a monthly basis and up to RM600 per year.

    The major highlights of this card are:

    • 5% cashback on all retail purchases.
    • Annual fee waiver with an annual spend of RM20,000.

    Best Suited for

    Those who wish to enjoy greater savings on their monthly expenses.

    Key Features and Benefits

    Features/Benefits Description
    Cashback on local retail purchases Up to 5%.
    Cashback on overseas retail purchases Up to 5%.
    Good Life Privileges Deals and discounts at more than 4,000 outlets across Asia.
    Annual Fee RM185.50 will be waived if you charge the card with RM20,000 or more in a year.
    Secure Online Shopping Shop online with 3D secure service.

    What Joining Perks Will You Enjoy?

    If you activate your Standard Chartered Cashback Platinum Mastercard in the first 45 days from the approval date, you will get a cashback of RM100. You can enjoy this offer only till 30 June 2018.

    Other Benefits

    • Make easy payments via widely-accepted Samsung Pay feature.
    • Convert your credit card purchases into low-interest rate instalment scheme - FlexiPay Plus.
    • Get access to extra funds at a lower rate of interest via the Cheque-On-Call Plus feature.
    • Transfer outstanding balances of your other banks’ cards onto Standard Chartered card with the balance transfer plan.

    How to Earn Cashback

    You can earn cashback with every retail transaction carried out using your Standard Chartered card. The cashback will be transferred to your credit account once you reach the minimum spend requirement on your card. The rate of earning cashback directly depends upon the amount charged on your card on a monthly basis. Here are the details of cashback earned with this card:

    Amount Charged on Standard Chartered Card Cashback Rate Cashback Cap (Monthly)
    RM500 per month 2% RM10
    RM800 per month 3% RM25
    RM1,500 per month 5% RM50

    Balance Transfer Plan

    Balance transfer plan associated with your Standard Chartered credit card helps you consolidate your existing debts. You can transfer outstanding balances of your cards from other banks onto Standard Chartered card. Here are the interest rates associated to the balance transfer plan:

    Balance Transfer Amount Tenures Available Interest Rate
    RM1,000 12, 18, 24 or 36 months 5.99% p.a.
    RM5,000 12, 18, 24 or 36 months 5.99% p.a.
    RM10,000 12, 18, 24 or 36 months 5.99% p.a.
    RM15,000 12, 18, 24 or 36 months 5.99% p.a.
    RM20,000 12, 18, 24 or 36 months 5.99% p.a.

    FlexiPay Plus

    FlexiPay Plus helps you pay the bill of your purchases in convenient and affordable monthly instalments. All you have to do is charge your card with RM500 or more in a single receipt and convert the bill into monthly instalments over a flexible repayment tenure according to your repayment capacity. Here are the details of FlexiPay Plus plan:

    Minimum Amount Available Tenure Interest Rate of Repayment
    RM500 12 months 7.88% p.a.

    Cheque-On-Call

    You can get easy access to quick cash with your Standard Chartered card’s Cheque-On-Call feature. The facility helps you get a financial flexibility and lets you make the repayment over a flexible range of tenures. Here are the details of this scheme:

    Cash Amount Tenures Available Interest Rate
    RM1,000 12, 18, 24, 36, 48 or 60 months 9.88% p.a.
    RM5,000
    RM10,000
    RM15,000
    RM20,000

    Eligibility Criteria

    Minimum Age Requirement for the Principal Cardholder 21 years
    Minimum Age Requirement for the Supplementary Cardholder 18 years
    Income requirement RM24,000 p.a. p.a

    Documents Required

    Applicant type Required documents
    Salary-earning applicants
    • 1 copy of NRIC (both sides).
    • Latest bank statement and latest one month’s salary slip, or
    • Latest Borang BE submitted to LHDN, or
    • Latest EPF statement.
    Self-employed applicants
    • 1 copy of NRIC (both sides).
    • Latest EPF statement, or
    • Business Registration Form 9, 24, and 48 and bank statements for the last 6 months, or
    • Latest Borang B submitted to LHDN.

    How to Apply

    You can apply for the Standard Chartered Cashback Platinum Mastercard online at BBazaar.my easily by providing your personal and financial details.

    Fees and Charges

    Fees Charges
    Annual fee (principal card) RM185.50.
    Annual fee (supplementary card) RM106.
    Retail interest rate 15% p.a. to 18% p.a. calculated on the basis of your repayment behaviour during the last 12 months.
    Cash advance interest rate 18% p.a.
    Cash advance fee 5.3% of the cash amount advanced or a minimum of RM26.50 per transaction, whichever is higher.
    Monthly repayment instalment 5% of the current balance due or a minimum of RM50, whichever is higher.
    Late payment charges A minimum of RM10 or 1% of the amount due at the statement date, whichever is higher (Max. RM100 per account).
    Overseas transaction fee Foreign transactions will firstly be converted into Malaysian Ringgit by Mastercard International conversion rate plus 1% administration fee charged by Standard Chartered.

    Promotions

  • Get a 10% discount on hotel room booking via Hotels.com using your Standard Chartered credit card. The offer is valid till 31 December 2018.

  • Get 1-for-1 dining deal at your choice of rice or noodle at Dragon-i every Monday when you pay the bill using your Standard Chartered card. This promotional offer is valid only till 31 December 2018.

  • Get 1-for-1 deal on selected dishes at WIP every Saturday. This is an ongoing promotion and is valid till 30 April 2019.

    Standard Chartered Cashback Platinum Mastercard helps you enhance your monthly savings with high cashback rate on every retail transaction. The card earns you cashback on every purchases except insurance and petrol. The card has a low income requirement and you can enjoy an annual fee waiver if you charge the card with RM20,000 in a year.

    Frequently Asked Question’s

    Q. Can I combine the monthly spend of primary card to that of the supplementary card to get higher rate of cashback?

    A. No, the cashback accumulation for the two cards will be done separately.

    Q. What is the interest-free period of this Standard Chartered card?

    A. Interest-free period for the card is 20 days from the date of statement release.

    Q. Can I earn cashback with all kinds of purchases made using my card?

    A. Yes, you can earn cashback with all retail purchases except for the purchases of petrol and insurance.

    Q. Can I earn cashback on overseas transactions too?

    A. Yes, you can earn cashback on local as well as overseas transactions.

    Q. What should I do if I lose my Standard Chartered Card?

    A. You are advised to inform the bank immediately via its hotline numbers if your card gets stolen or lost in order to prevent any misuse of the card.

    Q. Will I be liable for the charges to my stolen card?

    A. After you inform the bank about the lost or stolen card, you will not be held liable for any unauthorised transactions.

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