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    Standard Chartered Cashback Gold MasterCard

    Standard Chartered Cashback Gold MasterCard is a credit card from Standard Chartered bank that provides a handsome cashback with every retail purchase. Coming with an annual fee waiver for the first year, this card brings you the amazing dining deals and discounts throughout the year.  

    Features

    • The card comes with a complimentary supplementary card.
    • The annual fee for this card is waived for the first year.
    • The card has a low annual fee subsequently that stands on RM185.50 per year for the principal and RM106 per year for the supplementary card.
    • You can enjoy a cashback of up to 5% with every retail purchase including groceries, dining and shopping among others that are completed using the Standard Chartered Cashback Gold MasterCard.
    • The card comes with a balance transfer feature according to which you can transfer balance onto your Standard Chartered Cashback Gold MasterCard from other bank credit cards.

    Benefits

    • You can enjoy dining privileges with your Standard Chartered Cashback Gold MasterCard at over 1,000 outlets within the country.
    • You can also earn a cashback of worth RM100 when you activate your card within first 45 days from the date of approval.
    • You can enjoy a 20-day interest-free period from the date of statement release.
    • The card also allows you to pay the outstanding amount of a purchase with a maximum of 12 months tenure via Easy Payment Plan (EPP) under Standard Chartered FlexiPay option.
    • The balance transfer plan with the card charges you at a low rate of 5.99% p.a. with up to a 36-month repayment period.
    • The services this card has to offer are topped with multiple promotions and discount deals Standard Chartered keeps releasing time to time.

    Eligibility Criteria

    • Age requirement for the applicants for the principal card: 21-65 years
    • Age requirement for the applicants for the supplementary card: 18-65 years
    • Minimum income requirement of the applicant: RM24,000 p.a.

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card The card has an annual fee waiver for the first year. Subsequently, the annual fee for the principal and supplementary cards will be RM185.50 and RM106 per year respectively.
    Minimum monthly repayment A fixed rate of 5% of the total outstanding amount or at least an amount of RM50, whichever is higher
    Interest-free period 20 days from the date of issue of the statement
    Finance charge on retail purchases The retail purchases will be charged with a finance charge of 15-18% p.a. and it will depend upon the behaviour of the repayment method.
    Finance charge on cash advance 18% p.a.
    Late payment charges A fixed rate of 1% of the total outstanding amount or at least an amount of RM10 will be charged in cases of the late payment (Max. RM100)
    Cash advance fee A cash advance fee of 5.3% of the cash withdrawn or at least an amount of RM26.50 will be charged for every cash transaction
    Overseas transaction conversion fee All the transactions carried out overseas are converted into Malaysian Ringgit at an exchange rate determined by MasterCard Worldwide’s currency conversion rate on the day of the transaction in addition to a 1% fee imposed by the bank.
    Sales slip request fee RM21.20 per transaction
    Card replacement fee In cases of lost/stolen card, no fee will be charged for a new card issuance
    Additional statement request fee RM5.30 per statement will be charged for statements of 36 months or less; RM10.60 per statement will be charged for statements of 36 months or more
    Early settlement penalty for balance transfer No charge
    Over-limit fee If the user exceeds the credit limit, he will be charged with an amount of RM53
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