{"id":17897,"date":"2019-04-02T20:00:00","date_gmt":"2019-04-02T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/battle-cashback-cards-hong-leong-wise-vs-standard-chartered-justone-platinum-mastercard.html"},"modified":"2026-03-26T16:03:19","modified_gmt":"2026-03-26T08:03:19","slug":"battle-cashback-cards-hong-leong-wise-vs-standard-chartered-justone-platinum-mastercard","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/battle-cashback-cards-hong-leong-wise-vs-standard-chartered-justone-platinum-mastercard.html","title":{"rendered":"Battle of the Cashback Cards: Hong Leong WISE vs Standard Chartered JustOne Platinum Mastercard"},"content":{"rendered":"\n

Updated March 11, 2018<\/em><\/p> \n

The Standard Chartered JustOne Platinum Mastercard<\/a><\/strong> offers a tiered cashback rate from 5% up to a max of 15% on autobill, online shopping and petrol spend. The Hong Leong WISE Gold Card<\/a><\/strong> come with a fixed cashback rate of 10% on a total of 10 retail categories but you can only choose two categories to earn cashback on. Which is better? \n <\/p> \n

Both cards <\/a>have similar features including the annual fee, interest rate, interest-free days, late fees, and eligibility. So then, which card deserves that spot in your wallet?<\/p> \n

To find out, we pit the two cards against each other in a battle of its various features to find out which comes out on top. Here\u2019s a breakdown.<\/p> \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
<\/td> \n <\/td> \n <\/td> \n The Point Goes To\u2026<\/strong><\/td> \n <\/tr> \n
<\/td> \n Standard Chartered JustOne Platinum Mastercard <\/strong><\/td> \n Hong Leong WISE Gold Card <\/strong><\/td> \n SCB JustOne Platinum Mastercard<\/strong><\/td> \n Hong Leong WISE Gold Card<\/strong><\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Cashback rate<\/strong><\/td> \n 15% on minimum spend of RM2,500 per month
10% on minimum spend of RM1,500 per month
5% on minimum spend of RM1,000 per month<\/td> \n 		10% on minimum spend of RM2,000 per month on any two selected categories<\/td> \n 1<\/td> \n <\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Welcome offer <\/strong><\/td> \n RM150 cashback when you activate card within the first 45 days of approval<\/td> \n RM30 Zalora Voucher<\/td> \n 1<\/td> \n <\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Card features <\/strong><\/td> \n Maximum cashback of RM85 per month<\/td> \n Maximum cashback of RM100 per month<\/td> \n <\/td> \n 1<\/td> \n <\/tr> \n
5.99% balance transfer over 36 months<\/td> \n 6.99% balance transfer over 12 months<\/td> \n 1<\/td> \n <\/td> \n <\/tr> \n
No annual fee for Supplementary Card<\/td> \n RM84.80 annual fee for Supplementary Card<\/td> \n 1<\/td> \n <\/td> \n <\/tr> \n
Easy Payment Plan (EPP) at 7.88% per annum for succesful applications made online only<\/td> \n Enjoy EPP terms of 3 to 36 months at 0% interest on retail purchases from approved merchants. For all other purchases, you can opt to Hong Leong Flexi Payment Plan for instalment period of up to 36 months at 8.99% p.a.<\/td> \n <\/td> \n 1<\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Annual fee <\/strong><\/td> \n RM265 including GST
*first-year fee waived<\/strong><\/em><\/td> \n 		RM265 including GST<\/td> \n 1<\/td> \n 1<\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Interest rate<\/strong><\/td> \n 15%<\/td> \n 15%<\/td> \n 1<\/td> \n 1<\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Interest-free days <\/strong><\/td> \n 20 days<\/td> \n 20 days<\/td> \n 1<\/td> \n 1<\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Late payment fee <\/strong><\/td> \n 1% or RM10 of outstanding amount, whichever is higher, up to a maximum of RM100<\/td> \n 1% or RM10 of outstanding amount, whichever is higher, up to a maximum of RM100<\/td> \n 1<\/td> \n 1<\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
Eligibility <\/strong><\/td> \n Minimum income of RM2,000 per month
At least 21 years old<\/td> \n 		Minimum income of RM2,000 per month
At least 21 years old<\/td> \n 		1<\/td> \n 1<\/td> \n <\/tr> \n
<\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/td> \n <\/tr> \n
<\/td> \n <\/td> \n Total Points <\/strong><\/td> \n 9<\/strong><\/td> \n 7<\/strong><\/td> \n <\/tr> \n <\/tbody> \n<\/table> \n

Round 1: Cashback Rate<\/strong><\/h2> \n

\"cashback<\/p> \n

Here\u2019s where the main contention between the two cards lies. The Standard Chartered JustOne Platinum Mastercard offers a tiered cashback rate, which means that you don\u2019t have to reach the minimum spend of RM2,000 per month to enjoy the rewards. With as little as RM1,000 per month, you can gain 5% cashback rate on your monthly spend. However, the catch is, it only applies to spend on Autobill, Online, and Petrol. All other categories like Dining or Travel would only earn you a 0.2% cashback rate, but at least you get something.<\/p> \n \n \n \n \n \n \n
Minimum Retail Spend<\/strong><\/td> \n Cashback Rate<\/strong><\/td> \n Monthly Cap<\/strong><\/td> \n <\/tr> \n
from RM1000 up to RM1499 monthly<\/td> \n 5%<\/td> \n RM12<\/td> \n <\/tr> \n
from RM1500 up to RM2499 monthly<\/td> \n 10%<\/td> \n RM28<\/td> \n <\/tr> \n
RM2500 monthly<\/td> \n 15%<\/td> \n RM85<\/td> \n <\/tr> \n <\/tbody> \n<\/table> \n

For example, let\u2019s say you spend RM2,540 in a month and your spend on the categories are as follows:<\/p> \n