Standard Chartered JustOne Platinum MasterCard

    Standard Chartered JustOne Platinum MasterCard is a credit card that offers great savings on bill payments, petrol spending and other online purchases. Not only this, the card gives away monthly and yearly cashbacks and other exclusive deals to the cardholders.


    • The card comes with an annual fee waiver for the first year.
    • Through the Standard Chartered JustOne Platinum MasterCard, a cardholder can earn up to 15% cashback every month.
    • The cashback will be provided on retail purchases, petrol sending, online purchases and auto bill payments.
    • By applying for the PLC (Private Label Card) facility, the cardholder can practice following plans through the credit card:
    • With the Balance Transfer PLUS, the principal cardholders can transfer their outstanding balance with other bank’s credit cards to pay their outstanding balance on the credit card.
    • The Cash On Call Plus plan allows a cardholder to fetch cash from their credit card accounts in advance and later pay by instalments at a lower cash interest rate compared to the normal cash advance interest rate.
    • FlexiPay Plus plan allows big purchases to get converted into small one that can be paid off through easy instalments.
    • The Flexi-On Balance Plus plan allows cardholders who have balance owing on Standard Chartered Bank Credit Card to pay the balance in easy instalments.


    • A cardholder can earn up to RM1,000 cashback each year if he charges his spends to the credit card.
    • He/she can earn a cashback of up to 15% per month on his card every month. The cashback will be decided as per the following situations:
    • When the cardholder spends a minimum of RM999 but less than RM1,999 per month with local and international retail purchases on his/her card, is subject to a cap of RM28 per month.
    • When he/she spends a minimum of RM1,999 but less than RM2,999 per month in retail purchases (local and international) on card, they are subject to a cover of RM38 per month.
    • When a cardholder spends a minimum of RM2,999 or more per month in retail purchases both locally and internationally, he will receive a petrol cashback cover up to RM48 per month.
    • Under special privileges, the cardholder can earn various deals and promotions like free movie tickets, cashback on taxi rides, etc.
    • New cardholders will also receive exclusive deals through the card on the subscription.

    Eligibility Criteria

    • The cardholder has to be a Malaysian citizen.
    • The annual income of the cardholder should be a minimum of RM24,000.
    • The minimum age to hold a principal card is 21 years.
    • Maximum age of the principal cardholder should not be beyond 65 years.
    • 18 years is a minimum age limit for a supplementary cardholder.

    Fees and Charges

    Types of Fees Charges
    Annual Fee – Principal Card No annual fee charged for the first year RM265 (for each subsequent year)
    Annual Fee – Supplementary Card Annual Fee Waived
    Finance Charges (Retail Purchases) 15% (if prompt payment of 12/12 months is made) 17% (if prompt payment of 10/12 months is made) 18% (if prompt payment is made for less than 10 out 12 months)
    Finance Charges (Cash Advance) 18% p.a.
    Cash Advance Fee Whichever is higher between 5.3% of the cash withdrawal amount or RM26.50 will be imposed for each transaction
    Late Payment Charges A minimum RM10 and a maximum of RM100 or maximum 1% of the outstanding amount is charged
    Overseas Transaction Fee The transactions made internationally will be converted into RM at the exchange rate determined by MasterCard Worldwide plus 1% administration fee by the bank on the amount transacted in a foreign currency.
    Over Limit Fee RM53
    Card Replacement Fee RM50 for every card replacement
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