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    Standard Chartered Gold MasterCard

    Standard Chartered Gold MasterCard is a simple credit card by Standard Chartered Bank. The card offers a range of privileges associated with dining and travelling. The card also comes with an annual fee waiver for lifetime and provides the user with multiple value-added features and benefits.


    • The card is accompanied with a complimentary supplementary card.
    • The annual fee for the primary as well as the supplementary cards is waived for life.
    • The user can enjoy the option of balance transfer through which he can transfer balance from other bank credit cards onto his Standard Chartered Gold MasterCard Basic Card.
    • The user can earn 1 reward points per RM1 spent on any retail purchase (except petrol) using this card.


    • The cardholder can enjoy above 1,000 dining deals within the country with this card.
    • The cardholder can pay for his purchase with the Easy Payment Plan (EPP) under Standard Chartered FlexiPay option over a stretchable period of up to 12 months.
    • The card comes with 20 days of interest-free period from the statement’s releasing date.
    • The reward points associated with the card are valid for a duration of three years.

    Eligibility Criteria

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

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card The annual fee for both principal and supplementary cards is waived for life
    Minimum monthly repayment A minimum amount or RM50 or a fixed rate of 5% of the outstanding amount
    Interest-free period 20 days from the date statement issue
    Finance charge on retail purchases 15% p.a. for 12 prompt payments in a year 17% for 10-11 prompt payments in a 12-month period 18% for all other cases except the ones mentioned above
    Finance charge on cash advance 18% p.a. will be charged on the cash advance
    Late payment charges A minimum of RM10 or a fixed rate of 1% of the outstanding amount (whichever is higher) with a cap of RM100
    Cash advance fee Up to 5.3% of the cash withdrawn or a minimum amount of RM26.50 will be charged with every cash withdrawal
    Overseas transaction conversion fee All the overseas transactions in other than Malaysian Ringgit 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 There is no replacement fee for the credit card in cases of lost/stolen card
    Additional statement request fee For statements of 36 months or less, a fee of RM5.30 will be charged; For statements of 36 months or more, a fee of RM10.60 will be charged
    Early settlement penalty for balance transfer No fee will be charged for early settlement of balance transfer
    Over-limit fee An amount of RM53 will be charged if the user exceeds the credit limit
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