• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee

    RM175

Feature Highlights
  • Petrol savings of up to RM840 a year at all stations
Petrol
10/10

Petrol

  • Up to 10% cashback every month at all petrol stations
  • Petrol cashback of 4% when you spend a minimum of RM500 but less than RM1,000 per month in retail purchases, subject to a cap of RM12 per month
  • Petrol cashback of 7% when you spend a minimum of RM1,000 but less than RM2,500 per month in retail purchases, subject to a cap of to RM28 per month
  • Petrol cashback of 10% when you spend a minimum of RM2,500 or more per month in retail purchases, subject to a cap of to RM70 per month

Other Features

  • Balance Transfer
    • 2.99% per annum for a maximum tenure of 24 months

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 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

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

RM70 a month

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Cashback At All Petrol Stations!

Standard Chartered JustOne Gold MasterCard can give you savings up to RM840 a year, making it one of the best petrol card in the market. Petrol cashback that you can enjoy is up to 4% when your total spending is at least RM500. The rebate is capped at RM12 per month. When your total spending is at least RM1,000, the petrol cashback that you enjoy is 7% on petrol spending with petrol rebate limited to a maximum of RM28 per month. A total spending of RM2,500 and above will allow you to enjoy 10% petrol rebate but at a maximum of RM70 per month. The balance transfer that you can enjoy with this card is 2.99% per annum for a maximum period of 24 months.

Fees and Charges

Standard Chartered JustOne Gold MasterCard has an annual fee of RM265 for the principal cardholder. 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!