Revision on your Standard Chartered JustOne Platinum MasterCard Credit Card wef 20 September 2016



Now with Better Cashback Benefits, you will get up to 15% CashBack on Auto Bill Payments, eCommerce and Petrol. (except
government & charities )

Spend (RM) per month	Rebate on Petrol, eCommerce & Auto bill	Other spend	Capping per month (RM)
1,000 to 1,499.99	5%	0.2%	12
1,500 to 2,499.99	10%	0.2%	28
Above 2,500	15%	0.2%	85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing:
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend:  For all online transactions made with “Transaction Mode = M, D, S and U”

* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via http://www.sc.com/my.

https://www.sc.com/global/av/my-jop-website...ment-300816.pdf

Similar to what I thought, this would emerge as the BEST insurance CC for now. Unless the insurance is charged to Aeon/ Aeon Big cc and paid with high cash back for online payment like PBVS/CIMB.

Let say spending of RM2,000 on insurance and RM500 on either petrol or eCommerce, I would still get RM85 cash back which is 3.4% equivalent. I take it as 3.4% cb for my insurance in this case. Used to have Aeon to give 3.4% cash back equivalent for insurance, but now it seems that this is an excellent card for insurance, provided can hit RM2,500 combination of the eligible cash back spending monthly.