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    Standard Chartered JustOne Platinum MasterCard

    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:

    • Earn a cashback of 15% on auto-bill payment, online shopping, and petrol purchases.
    • Get 0.2% cashback on all other retail transactions.

    Best Suited for

  • Those who shop online.
  • Those who use their own vehicle for daily travel.
  • Key Features and Benefits

    Features/Benefits Description
    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.

    Other Benefits

    • Get exclusive offers and multiple privileges from partnering merchants.
    • Get extra cash with the Cheque-On-Call feature.
    • Make payment conveniently via Samsung Pay feature.
    • Consolidate debts and transfer outstanding balances of cards from other banks to your Standard Chartered card.
    • Pay the bills of your purchase in the form of easy and affordable instalments with the help of FlexiPay Plus.

    How to Earn Cashback

    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
    Below RM1,000 0.2% 0.2% RM12
    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

    Balance Transfer Plan

    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.
    RM5,000
    RM10,000
    RM15,000
    RM20,000

    FlexiPay Plus

    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.

    Cheque-On-Call

    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

    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

    Documents Required

    Applicant type Required documents
    Salary-earning applicants
    • One copy of NRIC (front and back page).
    • Latest EPF statement, or
    • Last one month’s salary slip and bank statement, or
    • Latest Borang BE submitted to LHDN.
    Self-employed applicants
    • One copy of NRIC (front and back page).
    • Latest Borang B submitted to LHDN, or
    • Latest EPF statement, or
    • Last 6 months’ bank statement and Business Registration Form 9, 24 and 48.

    How to Apply

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

    Fees and Charges

    Fees Charges
    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.

    Promotions

  • Get movie tickets for RM7 when you book your ticket via GSC mobile app or GSC website using your Standard Chartered JustOne Platinum Mastercard.

  • Get 1-for-1 deal on special menu set at Sushi Zento on every Wednesday when you pay the bill with your Standard Chartered card. The offer is valid till 31 December 2018.

  • Get a discount of 10% on hotel room booking via Hotels.com. This promotion is valid only till 31 December 2018.

    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.

    Frequently Asked Question’s

    Q. What are the retail purchases that are excluded from the cashback offer?

    A. The following transactions will not earn you a cashback:

    • Cash withdrawals
    • Annual fee payment
    • Payment of any fee or charges
    • Payment of instalments of any value-added service
    • Government services

    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.

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