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Standard Chartered
Standard Chartered JustOne Platinum Mastercard®

Standard Chartered JustOne Platinum Mastercard®

RM 3,000

Minimum monthly income

RM 250

Annual fee
waived in first year


Interest rate p.a


Balance transfer rate (fixed)

Special Offers

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Click Here for Terms and Conditions

Product details


Automatic Balance Conversion

Outstanding credit card balances are automatically converted at a lower interest rate every 12 months

Lower effective interest rate at 13% per annum

No processing and termination fee for early settlement

Flexibility to opt out from automatic conversions

Live the Good Life

Offers and privileges exclusive to Standard Chartered credit card holders

Over 4000 outlets in Malaysia and across Asia

Samsung Pay

Ease of using Standard Chartered credit card via Samsung Pay

Security of transaction using encrypted digital token to replace personal payment information

Flexipay Plus

Convert purchases RM500 and above into instalment plans at low interest rates

Repayment periods range between 6 to 18 months

Cheque On Call Plus

Advance cash at a fixed interest rate of 9.88% p.a.

Repayment periods range from 12 to 60 months

No supporting documents required

Balance Transfer Plus

Balance transfer at low fixed interest rate of 5.99% p.a

Repayment periods range from 12 to 36 months

No supporting documents required

Emergency Overseas Card Replacement

Replacement card for lost or stolen cards sent to customers simply through a call to Standard Chartered.

Spend (RM) per monthCashback % on Petrol, Grocery, e-Market Place & e-WalletCapping per month
Less than 1,0000.2%2
1000 to 1499.991%10
1500 to 2499.995%20
2500 & above15%60

Good for Cashback
Up to 15% Cashback on Online, Grocery & Petrol spend
Annual Fee waiver for the first year
e-Commerce Purchase Protection (coverage up to USD200)
Minimum monthly incomeRM 3,000
Minimum age:
Supplementary Cardholder18
Fees & Charges
Annual fee RM 250
waived in first year
Annual fee waiver Yes
waived in first year
Late payment fee RM 10/1%
1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
Interest rate 15%
15% interest are for cardmembers who promptly settle their min payment due for 12 consecutive months, with a max cap of 18% interest dependent on customer payment behaviour.
Balance transfer rate (fixed) 5.99%
12 months Balance Transfer period
Document required to apply

You will need to provide several documents such as (varies between different banks):

Salaried Employees:

  • Photo of MyKad (front / back)
  • Proof of Income, such as:
  • - Latest detailed EPF statement 
  • - Latest 3 months salary slip
  • - Full set of Form BE/B with tax receipt

Business Owners:

  • Photo of MyKad (front / back)
  • Full set of Form BE/B with tax receipt

Product review by

The JustOne Platinum Mastercard could possibly be one of the best cashback credit cards for being able to receive up to 15% cashback. Here are the categories where you can receive cashback from:

Category Cashback Rate


Up to 15% cashback monthly when swiped at any petrol station


Up to 15% cashback monthly for all auto-billed payments


Up to 15% cashback monthly for online shopping


RM10 per ticket for all movie tickets purchased on GSC’s website or app


0.2% cashback monthly for dining

Take note to enjoy the maximum cashback of 15%, your monthly expenditure should be above RM2,500 as shown in the table below. Though the JustOne Platinum Mastercard does not include cashback for groceries, it does provide the common daily usages such as petrol and utilities.

What are the cashback monthly spending requirements?

Monthly Spend (RM)Petrol, eCommerce & Auto BillOther categoriesMonthly Cap (RM)
Less than 1,0000.2%0.2%2
1,000 to 1,499.995%0.2%12
1,500 to 2,499.9910%0.2%28
2,500 & above15%0.2%60

Enjoy credit card with perks

With the Standard Chartered JustOne Platinum Mastercard, you can also earn cashback with the auto-billing feature to pay for your bills in the following categories: Telco, Insurance and Utilities. Aside from that, with the Standard Chartered FlexiPay, you are entitled to spread the repayment over 12 months with low-interest rates.

Get exclusive discounts and promotions

Owning a JustOne Platinum Mastercard also allows you to enjoy the perks of various offers with exclusive partners and privileges at more than 4,000 outlets in Malaysia such as Shangri-La’s Tanjung Aru Resort & Spa, Bio Therapy and more.

What are the basic requirements?

To be eligible for the JustOne Platinum Mastercard, you’ll need to be at least 21 years old and a minimum annual income of RM36,000, which is RM3,000 per month. If you’re a fresh graduate, applying for this credit card should be no problem. However, since you would need to earn a minimum of RM3,000 a month, this card may not be the best option for fresh graduates. The reason being you would have to spend at least RM2,500 to get RM60 cashback.

  • Click here to read Standard Chartered JustOne Platinum Mastercard Terms and Conditions
  • Click here to read Standard Chartered JustOne Platinum Mastercard Product Disclosure Sheet

Can't find what you're looking for? Read our article to find out the Best Standard Chartered Credit Cards in Malaysia.


You can save the hassle by applying with us online or call our customer service at +6012-385 0211 for further assistance. 

To be eligible for this card, you have to be at least 21 years old with an annual income of RM36,000 or RM3,000 a month. However, if you are 18 years old, you can apply for the supplementary card. 

There is an annual fee of RM250. As for interest rates, you will be charged 15 to 18% per annum. If you make a monthly repayment on time for 12 months, you’ll be charged with only 15% per annum. However, if you miss a payment whereby you only make a monthly repayment for 10 out of 12 months, 17% per annum will be charged to your balance. When you miss your monthly repayments for more than twice a year, you’ll be charged with 18% per annum. The late payment charges would be minimum RM10 or 1% of the total outstanding balance, capped at a maximum of RM100 per account. 

Up to 15% cashback with a total monthly spend of RM2,500 and above for common categories including telco and utilities. Exclusive discounts and promotions at over 4,000 outlets across Malaysia. GSC movie tickets at only RM10 for any movie purchased via GSC app or website.

This credit card is suitable for those who are big spenders or the sole breadwinner of the family who pays for the bills and expenses. This is because to maximise the use of the 15% cashback, you’d have to spend the monthly requirement which is RM2,500 every month.

Standard Chartered JustOne Platinum Mastercard®
Standard Chartered JustOne Platinum Mastercard®
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