Standard Chartered CashBack Gold MasterCard

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.

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).

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!

Interest Rate

15% p.a.
Annual Fee

Free (First year annual fee waiver, then RM185.50 for subsequent years)

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

Enjoy 8x Reward Points for every RM 1 spend from local contactless payments*
Enjoy 5x Reward Points for every 1 spent online select merchants
2% cashback for every RM1 spent, provided expenditure is in the range of RM500 – RM800 per month

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

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

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

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