
Standard Chartered JustOne Platinum Mastercard®

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 month | Rebate on Petrol, Online & Auto Bill | Other retail purchases | Capping per month |
---|---|---|---|
Less than 1,000 | 0.2% | 0.2% | 2 |
1000 to 1499.99 | 5% | 0.2% | 12 |
1500 to 2499.99 | 10% | 0.2% | 28 |
2500 & above | 15% | 0.2% | 60 |
Minimum monthly income | RM 3,000 |
Minimum age: | |
Cardholder | 21 |
Supplementary Cardholder | 18 |
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 |
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 |
You will need to provide several documents such as (varies between different banks):
Salaried Employees:
Business Owners:
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 |
Petrol | Up to 15% cashback monthly when swiped at any petrol station |
Utilities | Up to 15% cashback monthly for all auto-billed payments |
Shopping | Up to 15% cashback monthly for online shopping |
Entertainment | RM10 per ticket for all movie tickets purchased on GSC’s website or app |
Dining | 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.
Monthly Spend (RM) | Petrol, eCommerce & Auto Bill | Other categories | Monthly Cap (RM) |
Less than 1,000 | 0.2% | 0.2% | 2 |
1,000 to 1,499.99 | 5% | 0.2% | 12 |
1,500 to 2,499.99 | 10% | 0.2% | 28 |
2,500 & above | 15% | 0.2% | 60 |
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.
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.
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.
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.