• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.99% p.a.

  • Annual Fee


Feature Highlights
  • Basic credit card
  • No annual fee for life


  • More than 1,000 dining deals nationwide

Other Features

  • Balance Transfer
    • 5.99% per annum for a maximum tenure of 36 months

Card Information

Annual Fee Free (FREE for life)
Min. Monthly Income RM2,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder N/A
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 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
Rewards points expiry

Product Review by iMoney Malaysia

Enjoy your Evergreen Credit Card

This card that provides basic function of credit card

Fees and Charges

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).

Are You Eligible For The Standard Chartered JustOne Gold MasterCard

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!