Basic credit card
No annual fee for life
Standard Chartered Gold MasterCard
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- Min. Monthly Income
- RM 2000
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- Interest Rate
- 15% p.a.
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- Cashback
- -
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- Annual Fee
- Free
"Evergreen credit card with more than 1,000 dining deals nationwide.
"
iMoney Editor's Review
Key Features
Benefits on...
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Dining
More than 1,000 dining deals nationwide
More details
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Eligibility/Documents
- Min. Monthly Income
- RM 2000
- Min. Age for Principal Holder
- 21
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Fees and charges
- Annual Fee
- FREE for life
Other Fees and charges
- Late Payment Charges
- Higher of RM10 or 1% of outstanding amount, up to maximum of 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
- Sales and Services Tax (SST)
- 0% on annual fee and other charges
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Supplementary Card
- Min. Age for Supplementary Holder
- 18 and above years old
- Fee for Supplementary Holder
- N/A
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Cash Advance
- Amount
- Up to 90% of credit limit
- Charge
- Higher of RM25 or 5% of cash advance amount
Other cash advance info
- Cash Advance Interest Charge
- 18% per annum on cash advance amount
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Others
Other benefits
- Balance Transfer
- 5.99% per annum for a maximum tenure of 36 months
Balance Transfer to any Standard Chartered credit cards
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Read more about Credit Card
Review by iMoney
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This card that provides basic function of credit card
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Annual fee free for life. This card is not available as a supplementary card. Interest rate for this card comes in the average market tiers of 15%, 17% and 18% per annum. For cardholders that make prompt minimum monthly repayment to their outstanding balance (usually 5% of the outstanding balance or RM50, depending on which is higher), you will enjoy a 15% per annum interest rate. When you miss one or two of the monthly repayments (in 12 months), you will be subjected to interest rate of 17% per annum. 18% per annum interest rate will be charged on your outstanding credit card balance, if you miss more than 2 months of monthly repayments in a period of 12 months. Any late payments will result in a late payment penalty of RM10 or 1% of outstanding amount; which ever is higher (up to RM100).
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Your minimum monthly income will need to be RM2,000 and you need to be at least 21 years old to apply for this card.
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 Cashback Gold MasterCard and Public Bank Visa Gold Credit 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!