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Standard Chartered CashBack Gold MasterCard

Earn up to 5% cashback monthly on all retail spending, and get exclusive dining deals at more than 1,000 outlets nationwide!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2,000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    RM50 /mth
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • Enjoy up to 5% cashback monthly
  • More than 1,000 dining deals nationwide
  • 5% cashback on all retail spending for every RM1 spent

  • icon dining 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

  • icon entertainment 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

  • icon groceries 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

  • icon shopping 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

  • icon utilities 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

icon tag Other Features

  • Other Benefits: 24-hour service line, Exclusive year long discounts and privileges
  • Balance Transfer: 5.99% per annum for a tenure of 36 months
  • Instalment Plan: 0% Instalment Payment Plan at all participating merchants

icon info Card Information

Annual Fee First year annual fee waiver, then RM185.50 for subsequent years
Min. Monthly Income RM 2000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder RM100
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
Rewards points expiry N/A

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Product Review by

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!

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