• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee

    RM175

Feature Highlights
  • Enjoy up to 5% cashback monthly
  • More than 1,000 dining deals nationwide
  • More than 1,000 dining deals nationwide
Dining
7.5/10
Entertainment
7.5/10
Groceries
7.5/10
Shopping
7.5/10
Utilities
7.5/10

Dining

  • 5% cashback for every RM1 spent, provided expenditure is more than RM1,500 per month
  • 3% cashback for every RM1 spent, provided expenditure is in the range of RM800 - RM1,500 per month
  • 2% cashback for every RM1 spent, provided expenditure is in the range of RM500 - RM800 per month

Entertainment

  • 5% cashback for every RM1 spent, provided expenditure is more than RM1,500 per month
  • 3% cashback for every RM1 spent, provided expenditure is in the range of RM800 - RM1,500 per month
  • 2% cashback for every RM1 spent, provided expenditure is in the range of RM500 - RM800 per month

Groceries

  • 5% cashback for every RM1 spent, provided expenditure is more than RM1,500 per month
  • 3% cashback for every RM1 spent, provided expenditure is in the range of RM800 - RM1,500 per month
  • 2% cashback for every RM1 spent, provided expenditure is in the range of RM500 - RM800 per month

Shopping

  • 5% cashback for every RM1 spent, provided expenditure is more than RM1,500 per month
  • 3% cashback for every RM1 spent, provided expenditure is in the range of RM800 - RM1,500 per month
  • 2% cashback for every RM1 spent, provided expenditure is in the range of RM500 - RM800 per month

Utilities

  • 5% cashback for every RM1 spent, provided expenditure is more than RM1,500 per month
  • 3% cashback for every RM1 spent, provided expenditure is in the range of RM800 - RM1,500 per month
  • 2% cashback for every RM1 spent, provided expenditure is in the range of RM500 - RM800 per month

Other Features

  • Other Benefits

    • 24-hour service line
    • Exclusive year long discounts and privileges

  • Balance Transfer

    • 2.99% per annum for a tenure of 36 months

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM175
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder RM100
Finance charges 15% p.a. - prompt payment for 12 consecutive months

17% p.a. - prompt payment for at least 10 out of 12 months

18% p.a – if any of the above are not met

Goods & Services Tax (GST)

6% on annual fees and other charges

Late payment charge

Higher of RM10 or 1% of outstanding amount, up to maximum of RM100

Cash advance amount

Up to 90% of credit limit

Cash advance charge

Higher of RM25 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

RM50

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Spend More, Earn More!

Standard Chartered CashBack Gold MasterCard is a card suitable for individuals looking to enjoy additional privileges apart from getting cashback on their spendings. To begin enjoying the cashback, you will need to spend at least RM500 and you will get 2% cashback for every RM1 spent. When you spend more than RM800, the cash rebates that you get to enjoy will be 3%. And if your monthly spending exceeds RM1,500, you will get 5% cashback on your spending. The cash rebates apply when you dine in restaurants, buy your essential goods in a supermarket or shop for new clothes. These cashbacks are on top of the exclusive travel deals and more than 1,000 dining deals that come with this card. A balance transfer programme of 2.99% per annum for a period of 36 months is available for anyone looking to switch over to this card from their existing credit card.

Fees and Charges

Annual fee for the principal card is RM185.50 and RM106 for the supplementary card. Interest rates for this card are 15% per annum with prompt minimum monthly repayment for the past 12 months, 17% per annum if you make at least 10 prompt monthly repayments in the last 12 months and 18% per annum if you missed more than 2 monthly repayments. Late payment penalty will also be charged on your outstanding amount, up to a maximum of RM100 (RM10 or 1% of outstanding amount, whichever is higher).

Are You Eligible For The Standard Chartered CashBack Gold MasterCard

For the principal card, you will need to have a monthly income of at least RM2,000 and 21 years old; while for the supplementary card, you will need to be at least 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Standard Chartered JustOne Gold MasterCard and Maybank MasterCard Gold Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Standard Chartered credit cards and start comparing today!