If you spend RM 1300, you will only get 3% on non Insurance or Petrol retail spend, subject to a cap of RM 25.

So if the RM 1300 is not on Insurance or Petrol, then you will only get RM 25 (cap), which is only an effective cashback of 1.9%.

The way to maximize the cash back % is by spending exactly RM 500, RM 833 or RM 1500. That way, you will get either 2%, 3% or 3.33% effective cash back.

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