Easy Ways to Get Cashback and Complimentary Flights with Standard Chartered's Credit Cards
It's Friday, end of your work week. As you start making plans for the weekend you realise your to-do list is getting longer. Dinner with friends, a movie date, a manicure and pedicure session and a must-have top from your favourite clothing brand.
That's just the fun bit, you'll need groceries - stock up on your favourite sourdough bread and coffee - and fill up your car with petrol so you're ready to go.
But, can you tick all those items off your checklist? Have both an Instagram-worthy meal in your new attire, and find the time and money for a pampering session while be on top of your game ahead of the next work week?
GoBear believes you can, in fact, we know you can, with a little help.
The irony of spending – getting money back while you spend
We'll add icing to the cake. How about getting some cashback at the same time while enjoying these purchases, leisure activities and meals?
Standard Chartered's JustOne Platinum Mastercard® credit card's cashback feature may just entice you, as the credit card offers more than RM1,000 cashback a year on auto-bill payments, online purchases, petrol and all your daily expenses.
Essential expenses such as utilities, mobile data and insurance payments tend to top the list of auto-billing instructions.
And, when the convenience of auto-billing kicks in, do you feel your heart sink a little when you see money leave your bank account?
Well, the JustOne Platinum Mastercard® wants to cheer you up each time it happens. Combine auto-billing use with petrol purchases and online shopping with this card and you're in for a treat!
Spend anything below RM1,000 or between RM1,000 and RM1,499.99, you're able to get RM12 back. Spend more and get more in return.
This card offers RM28 in return if you spend between RM1,500 and RM2,499.99. And the returns get higher when you clock in RM2,500 and above. For that, RM85 is yours.
And it's not just those three categories that get you some money back. Add your meals, pharmaceutical purchases and grocery shopping for more cashback.
Let's break it down here to show you how it works.
Let's say your monthly spend is RM2,540.
You pay for RM100 for electricity and another RM100 for your mobile's data plan through auto-billing payments. That's RM30 cash back already.
Then, add in online purchases. These could be new Bluetooth speakers or accessories for styling your hair, say RM180. In return, RM27 is yours.
Of course, you'll need to move around for errands or to see your friends or pop to the yoga or pilates studio for a class, so you fork out RM160 on petrol. For that you get RM24 cash back.
Take that amount up to RM85 by spending on groceries, dining out and other essential items from the pharmacy.
If you like the sound of this deal, there's even more in store if you are a new to card customer. On top of a cool RM100 cashback for activation within 45 days from card approval date, you will be able to get an additional RM200 cashback when you spend RM2,000 within 60 days from your card approval date. Check out the Terms and Conditions of this offer.
GoBear is all for smart spending as you reap more rewards when you use the card regularly to enjoy the offers from Standard Chartered's partner hotels, and spas, as well as your favourite movie with discounts from Golden Screen Cinemas. And if you're a foodie, you can't beat Standard Chartered cards' special 1-for-1 dining deals available from Monday to Sunday at selected outlets such as dragon-i, Victoria Station and many more.
Swipe or wave your credit cards for much, much more
GoBear also believes in always making a smart comparison before making a decision, so with the many features and options available from using these credit cards, you have the opportunity to decide how your spending can work better for you.
For some of us, we may want to exercise our purchasing powers differently.
If you're keen on rewards aside from cashback, you can up the ante in terms of deriving better rewards from the money you are spending.
Instead of just cashback, you may want to get household items, travel kits, electronic appliances that help you and your family.
Or redeem credit card points to get gifts for your partner or loved ones during birthdays and the festive season. Do this with the Standard Chartered Visa Platinum credit card and get more bonus points when you spend only RM1,500 a month.
From your spending, you'll get five times the points for shopping in department stores, dining and all overseas spend. For all your other spend, you'll still get a point for these expenditures. Here's an example of what you might be spending on a month-to-month basis:
Let’s say you spend RM800 on dining at your favourite restaurants, this will automatically earn you 4,000 points. Spend another RM700 when you shop at your favourite department stores, and you’ll be entitled to another 3,500 points. And let’s not forget that if you spend RM700 on your other retail spend (think petrol or even groceries), you’ll stand to earn another 700 points!
By spending more than RM1,500 a month, you’ll be entitled to a bonus of 5,000 points too. Tally up your points on all your spend and that’s a whopping 13,200 points in a single month!
Keep that up for a year, and you stand to collect more than 150,000 points, which you can then use towards the redemption of your favourite Apple products, or Samsung Galaxy mobile phones or many more attractive products.
Pick up this card, and you don't have to pay any annual fees, as it is waived for life. Win!
Travel like a rock star
Sitting back on your sofa and chilling after an enjoyable weekend, you're now daydreaming of travelling to new destinations on your next holiday.
Why daydream. Make your travel plans sweeter when you earn more airmiles, that can be invested into future travel.
Earning airmiles the conventional way takes up so much time and when you finally clock in enough points for another flight, you have a limited time to redeem them as they expire within six months to a year.
Standard Chartered's WorldMiles World Mastercard® changes all that.
Use this card overseas for conversion into your preferred frequent flyer programme, either with Singapore Airline's KrisFlyer programme, Malaysia Airlines' Enrich miles, AirAsia's BIG Loyalty programme or Asia Miles.
Let's take a look at the details. When you spend RM2 abroad, this card allows you to collect 3 WorldMiles and if you're spending locally, you'll get 1 WorldMile for every RM3 spent.
To convert WorldMiles into Airmiles of your chosen frequent flyer programme, two WorldMiles is the equivalent of 1 Airmile of your preferred frequent flyer program.
Or take another route (pun intended), and redeem the WorldMiles for travel vouchers from Asiatravel, an award-winning travel online site having earned TTG Award's Best Online Travel Agent 2017.
When you do book that flight, pack your bags and head to the airport, use your card again to access the facilities at Plaza Premium Lounge Access. With unlimited access to the Plaza Premium Lounges in KLIA and klia2, why not put your feet up, enjoy the hot drinks and WiFi connection, as you begin your relaxing journey.
And, when you return refreshed and rejuvenated from your holiday, avoid the stress of booking a taxi home when you can get RM80 cashback when you book an airport limousine or use the KLIA Ekspres.
This is available when you perform three transactions abroad within 30 days. For the WorldMiles card, annual fees are waived for the first year.
GoBear wants to empower you to make the right financial decisions, especially when you are spending your hard-earned money to experience not only exciting weekends and travel, but a high quality of life in the city.
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