Standard Chartered JustOne Platinum Mastercard earns you a high amount of cashback with auto bill payments, online shopping, and petrol purchases. The card can help you increase your savings on petrol and online purchases on a monthly basis.
The major highlights of this card are given below:
Best Suited for
|Cashback on Petrol||Up to 15%.|
|Cashback on Online Shopping||Up to 15%.|
|Cashback on Auto-Bill Payment||Up to 15%.|
|Cashback on All Other Retail Purchases||0.2%|
|Annual Fee Waiver||Annual fee of RM265 will be waived if you spend RM20,000 per year or more using your card.|
|Good Life Privileges||Discounts and offers at over 4,000 participating outlets across Asia.|
In order to earn cashback, you need to use your card for purchases of petrol, for shopping online, and paying bills automatically via standing instructions. Once you reach the minimum monthly spend requirement, the cashback will directly get transferred into your credit account. Let’s look at more details of this cashback card:
|Monthly spend||Cashback on petrol, online purchases, and auto-bill payment||Cashback on all other retail transactions||Monthly cap|
|RM1,000 to RM1,499.99||5%||0.2%||RM12|
|RM1,500 to RM2,499.99||10%||0.2%||RM28|
|More than RM2,500||15%||0.2%||RM85|
You can consolidate your existing debts using balance transfer plan associated with your Standard Chartered card. The plan lets you transfer outstanding balances of your other bank credit cards onto Standard Chartered credit card. Let’s look at the available tenures and the interest rates associated with this scheme:
|Balance Transfer Amount||Tenures Available||Interest Rate|
|RM1,000||12, 18, 24 or 36 months||5.99% p.a.|
You can split the bill of your purchases made using your Standard Chartered card into affordable monthly instalments with the help of FlexiPay Plus feature. The minimum bill that can be converted into monthly instalments is RM500. Let’s take a look at the plan’s details:
|Minimum Bill Amount||Available Tenure||Interest Rate|
|RM500||12 months||7.88% p.a.|
Get extra funds to enjoy a greater financial flexibility with the help of Cheque-On-Call facility. The facility provides you with quick funds and make repayment over a period of 5 years. The available tenures of repayment and interest rates associated with this facility are given in the table below:
|Cash Amount||Tenures Available||Interest Rate|
|RM1,000||12, 18, 24, 36, 48 or 60 months||9.88% p.a.|
|RM5,000||12, 18, 24, 36, 48 or 60 months|
|RM10,000||12, 18, 24, 36, 48 or 60 months|
|RM15,000||12, 18, 24, 36, 48 or 60 months|
|RM20,000||12, 18, 24, 36, 48 or 60 months|
|Minimum Age Requirement for the Principal Cardholder||21 years|
|Minimum Age Requirement for the Supplementary Cardholder||18 years|
|Income requirement||RM24,000 p.a|
|Applicant type||Required documents|
You can apply for the Standard Chartered JustOne Platinum Mastercard online at BBazaar.my easily by providing your personal and financial details.
|Annual fee (principal card)||RM265.|
|Annual fee (supplementary card)||No charge.|
|Retail interest rate||15% p.a. to 18% p.a. (To be calculated on the basis of repayment pattern on the card’s monthly instalments during the last 12 months.|
|Cash advance interest rate||18% p.a.|
|Cash advance fee||A minimum amount of RM26.50 or 5.3% of the cash withdrawn, whichever is higher.|
|Monthly repayment instalment||5% of the total outstanding balance or a minimum of RM50, whichever is higher.|
|Late payment charges||1% of the outstanding amount at the date of statement release or a minimum of RM10, whichever is higher (Max. RM100).|
|Overseas transaction fee||All transactions carried out overseas will be converted into Malaysian Ringgit with the help of by Mastercard International conversion rate in addition to an administration fee of 1% charged by Standard Chartered.|
Standard Chartered JustOne Platinum Mastercard can help you enhance your savings on monthly petrol purchases, bill payments, and online transactions. You can earn more than RM1,000 per year with this card. The card also earns you cashback on all other retail purchases.
Q. What are the retail purchases that are excluded from the cashback offer?
A. The following transactions will not earn you a cashback:
Q. Can I combine the expenses of primary and supplementary card to reach the minimum monthly spend requirement?
A. Yes, you can combine the monthly expenses on both the cards to earn cashback on a monthly basis.
Q. Is there an interest-free period with this card?
A. Yes, the card comes with an interest-free period of 20 days from the statement date.
Q. What kind of auto bill payments can earn me cashback?
A. Eligible auto-bill payments include recurring bill payments associated with insurance, Telco, and Utilities.
Q. How can I track the monthly expenses on my card?
A. You can track the transactions on your card via e-statements and online banking. You can also receive the physical copies of your monthly statements through mail to your registered address.