Credit card review for Standard Chartered JustOne Platinum MasterCard. This credit card is featured in our list of top Malaysian cashback credit cards. Get cashback of RM1,020 yearly!

Standard Chartered JustOne Platinum Credit Card


  • Cashback on auto bill payments (insurance, telco and utilities), online purchases, and petrol
    • Below RM1,000: 0.2% (max effective cashback: 0.2%)
    • RM1,000 – RM1,499: 5% (max effective cashback: 1.2%)
    • RM1,500 – RM2,499: 10% (max effective cashback: 1.8%)
    • RM2500 and above: 15% (max effective cashback: 3.4%)
  • Low minimum annual income qualifying requirement


  • Cashback capped monthly
    • Below RM1,500: RM12
    • RM1,500 – RM2,499: RM28
    • RM2500 and above: RM85
  • Tiered cashback whereby to maximize cashback you need to spend on qualified transactions RM2,500 monthly
  • Only 0.2% cashback on all other spending
  • Annual fee waiver on 2nd year only on spending RM20,000 annually (average RM1,667 monthly)




The JustOne Platinum MasterCard is decent if you can regularly spend RM2,500 thus qualifying for the maximum monthly cashback of RM85 given you 3.4% cashback returns. For consistency and ease of tracking, this can be best done by paying for insurance policies, and maybe telco/utilities/petrol if your spending is consistent (or you’re hardworking enough to track your monthly total spending).

  • Maximum cashback in a year is at RM1,020 (RM85 x 12 months)
  • Government and charity transactions do not count towards minimum spend of RM2,500 monthly
  • Supplementary card is free (no annual fee)


Time Limited Promotions

  • Instant Camera: Complimentary Fuji Instax Mini 9 on activation til Nov 30, 2018.
  • GSC: Discount of RM7 when you book a movie on GSC mobile a