Standard Chartered JustOne Platinum Explained: An Affordable Card with a High Cashback Rate

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The Standard Chartered JustOne Platinum Card can help you enhance your monthly savings with a high cashback rate of up to 15% on petrol purchases, auto bill payments (through standing instructions) and online buys.

The credit card also earns you cashback on all other retail purchases apart from extending a number of exclusive privileges every day.

To top it all, the minimum income requirement to own this credit card is only RM24,000 p.a.

Let’s see in a more detailed way what the Standard Chartered JustOne Platinum Card has to offer.

RM100 cashback on card approval

Apply for Standard Chartered JustOne Platinum Card, activate it within the first 45 days of the approval date, and voila! Your account gets greeted by an RM100 cashback.

Related: Cheap and Good: 7 Affordable Credit Cards with Great Benefits

How to earn 15% cashback in a month

You can earn a maximum of 15% cashback per month (capped at RM85) on petrol purchases, online shopping transactions, and auto bill payments if you spend RM2,500 and above in a month using this card. If you charge your card anywhere between RM1,000 to RM1,499 in a month, you’ll still earn cashback at a rate of 5% on petrol, online shopping and auto bill payments (capped at RM12).

All other retail purchases (apart from petrol, online shopping and auto bill payments) will also fetch you unlimited cashback at the rate of 0.2% per month.

The table below contains details of the cashback earning rate with this card:

Amount charged to the card (per month)

Cashback rate (Petrol purchases, online shopping, and auto bill payment) Cashback rate (All other retail transactions)

Cashback cap (per month)

Up to RM1,000

0.2% 0.2% RM12

RM1,000 to RM1,499

5% 0.2% RM12
RM1,5000 to RM2,499 10% 0.2%


RM2,500 and above 15% 0.2%


Related: 7 Credit Cards with Great Online Shopping Benefits

Standard Chartered JustOne Platinum MasterCard
Card Type : Cashback
Bbazaar promotion : PARKSON Gift Voucher worth RM150. T&Cs apply
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  • Up to 15% cashback every month on petrol, online shopping, and auto-bill payments

    Get 0.2% cashback on all other retail purchases

    Discounts and offers at over 4,000 participating outlets across Asia

    Discount of RM7 when you book a movie on the GSC mobile app/website

  • Minimum income: RM24,000 p.a.

    Minimum age: 21 years old

    For salaried: Copy of NRIC (both sides), last 1 months’ salary slip and bank statement, last 6 months’ salary slip and bank statement for commission earners, latest EPF Statement, latest Borang BE (Full submission to LHDN)

    For self-employed: Copy of NRIC (both sides), last 6 months’ bank statement and Business Registration Form 9, 24, 49, latest EPF Statement, latest Borang B/BE(Full submission to LHDN).

  • Annual fee: RM250 (Waived for the first year. Subsequent years waived if annual spend over RM20,000)

    Interest rates: 15-18% p.a.

    Minimum monthly payment: The higher of 5% of the outstanding balance or RM50

Other benefits

The Standard Chartered JustOne Platinum Card has more to offer than just cashback. You can take advantage of the deals and benefits from Good Life Privileges associated with this card. Use your card to make payments at more than 4,000 participating merchant outlets across Asia, and get rewarded in the form of discounts, deals, and cash vouchers.

The offers under the Good Life Privilege Programme involve deals on dining, shopping, electronics, hotel room bookings, beauty and healthcare, etc.

Discounts on GSC movie tickets

With every movie ticket you book on the GSC mobile app or GSC website using the card, you can get a discount of RM7, each day of the week except Wednesdays.

Related: 4 Things to Know About Temporary Credit Limit Increase on Your Credit Card

Other features

Here are some of the value-added services and features associated with this card:

Easy payment

  • FlexiPay Plus: You can convert the bill of your purchases made using your Standard Chartered card into low-interest easy monthly instalments via FlexiPay Plus feature.
  • Samsung Pay: A widely accepted Samsung Pay can help your carry out convenient transactions using your Standard Chartered card.

Quick funds with Cheque-On-Call

You can get quick access to cash using the card’s Cheque-On-Call facility without any extra documentation. That said, check with the bank regarding the finance rates and take a call to go for the facility only if you will be able to afford the pay-off.

Annual fee waiver

You can enjoy the benefits of your Standard Chartered card free of cost if you charge the card at least RM20,000 per year. If not, the principal cardholder will have to pay an annual fee of RM250 after the first year of usage.

Related: Top Petrol Credit Cards in Malaysia That Let Us Drive Around for Less

Keep in mind

  • Activation cashback is valid only till 30 June 2018.
  • Cashback can be earned with every retail transaction except Government MCC and charities MCC.
  • Auto bill payments include recurring bill payment via standing instruction for utilities, Telco, and insurance.
  • The annual fee of the principal card is RM250, whereas the supplementary card is free for life.
  • GSC promotion is valid every day except Wednesdays till 28 February 2019.
  • GSC promotional offer is valid for a maximum of 2 tickets per card.
  • All the following retail transactions are excluded from the cashback categories:
    • Any fees and interest charge payment
    • Cash withdrawals
    • Payment for facilities like balance transfer, FlexiPay, and Cheque-On-Call.


Age requirement (Principal card) 21-65 years
Age requirement (Supplementary card) 18-65 years
Income requirement RM24,000 p.a.


A high cashback rate on essentials like petrol and auto bill payments at a low minimum income requirement makes the Standard Chartered JustOne Platinum Card a good card to have. Keep in mind, however, the necessary spend requirements to avail the desired cashback.

It’s a fact that credit cards do make our lives convenient — but only when we use them smartly and responsibly. For more clarity, read our blog 6 Smart Credit Card Habits for Youngsters and 6 Common Mistakes Credit Card Users Must Avoid.

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All information provided in this article/blog, published on this website is strictly for general information purpose only. BBazaar does not provide any warranty about the authenticity and accuracy of such information. BBazaar will not be held responsible for any loss and/or damage that arises or is incurred by use of such information. Please visit the websites of respective banks/financial institutions for more details about products.


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