{"id":12304,"date":"2023-02-07T12:39:22","date_gmt":"2023-02-07T04:39:22","guid":{"rendered":"https:\/\/loanpanda.com.my\/test\/?page_id=12304"},"modified":"2023-03-10T17:20:27","modified_gmt":"2023-03-10T09:20:27","slug":"standard-chartered-worldmiles-world-mastercard","status":"publish","type":"page","link":"https:\/\/loanpanda.com.my\/test\/credit-cards\/standard-chartered\/standard-chartered-worldmiles-world-mastercard\/","title":{"rendered":"Standard Chartered WorldMiles World MasterCard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section][vc_row el_id=&#8221;mobile-single-product-header&#8221; css=&#8221;.vc_custom_1672297943173{margin-bottom: 10px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_col-xs-8&#8243;][vc_column_text]<\/p>\n<h2 class=\"\" style=\"color: #602744; font-size: 16px; line-height: 24px; font-family: Noto Sans; font-weight: bold; font-style: normal;\">Standard Chartered WorldMiles World MasterCard<\/h2>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_col-xs-4&#8243; el_id=&#8221;mobile-apply-button-column&#8221;]\n    <div class=\"text-center\">        <a class=\"btn btn-sm btn-custom btn-rounded \" href=\"https:\/\/loanpanda.com.my\/credit-card-application\/?product_id=5964&#038;bank=Standard-Chartered&#038;product_name=Standard%20Chartered%20WorldMiles%20World%20MasterCard\" style=\"background-color:#ff5959;color:#ffffff;\">Apply Now<\/a>\n    <\/div>\n    [\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1672378288226{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column width=&#8221;4\/12&#8243; css=&#8221;.vc_custom_1660298940520{margin-bottom: 100px !important;padding-right: 40px !important;}&#8221; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221; el_id=&#8221;single-product-stick-section&#8221;][vc_row_inner el_id=&#8221;credit-card-product-thumbnail&#8221;][vc_column_inner][vc_single_image image=&#8221;5965&#8243; img_size=&#8221;large&#8221; el_class=&#8221;wp-post-image&#8221; css=&#8221;.vc_custom_1675744351960{margin-bottom: 35px !important;border-radius: 30px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1672286824621{margin-top: -130px !important;padding-top: 94px !important;padding-right: 48px !important;padding-bottom: 54px !important;padding-left: 48px !important;background-color: #f5f5f5 !important;border-radius: 15px !important;}&#8221; el_id=&#8221;product-title-section&#8221;][vc_column_inner][vc_column_text]<\/p>\n<h2 class=\"\" style=\"text-align: center;\">Standard Chartered WorldMiles World MasterCard<\/h2>\n<p>[\/vc_column_text]\n    <div class=\"text-center\">        <a class=\"btn btn-sm btn-danger btn-rounded w-100\" href=\"https:\/\/loanpanda.com.my\/credit-card-application\/?product_id=5964&#038;bank=Standard-Chartered&#038;product_name=Standard%20Chartered%20WorldMiles%20World%20MasterCard\" style=\"\">Apply now<\/a>\n    <\/div>\n    [\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;8\/12&#8243; offset=&#8221;vc_col-xs-12&#8243; el_id=&#8221;product-desc-column&#8221;][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_single_image image=&#8221;5965&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1675744341664{border-radius: 30px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;key-feature-row&#8221; css=&#8221;.vc_custom_1672378622943{margin-top: 28px !important;margin-bottom: 28px !important;padding-top: 0px !important;padding-right: 33px !important;padding-left: 33px !important;background-color: #fbf3e0 !important;border-radius: 10px !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][vc_column_text el_id=&#8221;key-feature-icon&#8221;]<a href=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Key-Features.svg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5202\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Key-Features.svg\" alt=\"\" width=\"33\" height=\"32\" \/><\/a>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672285484711{margin-bottom: 10px !important;}&#8221; el_id=&#8221;key-feature-title&#8221;]Key Features[\/vc_column_text][vc_column_text el_id=&#8221;key-feature-list&#8221;]<\/p>\n<ul>\n<li>Unlimited Plaza Premium Lounge access<\/li>\n<li>Cashback on airport transfers<\/li>\n<li>4.5x more worldmiles on overseas spend<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;info-row&#8221; css=&#8221;.vc_custom_1672282993098{margin-bottom: 28px !important;}&#8221;][vc_column_inner el_class=&#8221;info-icon&#8221; width=&#8221;1\/12&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5210\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Promotion.svg\" alt=\"\" width=\"33\" height=\"32\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672281721097{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Promotion<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1672282484943{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h5>Groceries<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744376165{margin-bottom: 16px !important;}&#8221;]4.5x worldmiles on overseas spend[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1672282516252{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h5>Petrol<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744390559{margin-bottom: 16px !important;}&#8221;]4.5x worldmiles on overseas spend[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1672282529158{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h5>Entertainment<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744404083{margin-bottom: 16px !important;}&#8221;]4.5x worldmiles on overseas spend[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744424084{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h5>Shopping<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744404083{margin-bottom: 16px !important;}&#8221;]4.5x worldmiles on overseas spend[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1672282547547{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h5>Dining<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744432996{margin-bottom: 16px !important;}&#8221;]4.5x worldmiles on overseas spend[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1672282563772{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h5>Travel<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744447958{margin-bottom: 16px !important;}&#8221;]<\/p>\n<ul>\n<li>4.5x worldmiles on overseas spend<\/li>\n<li>RM80 cashback on Airport Transfers<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1672282623694{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h5>Utilities<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744462582{margin-bottom: 16px !important;}&#8221;]4.5x worldmiles on overseas spend[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1672282324967{margin-bottom: 28px !important;}&#8221; el_class=&#8221;info-row&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][vc_column_text el_id=&#8221;key-feature-icon&#8221;]<a href=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Key-Features.svg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5209\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Other-Features.svg\" alt=\"\" width=\"33\" height=\"32\" \/><\/a>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672282381630{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Other Features<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744499876{margin-bottom: 24px !important;}&#8221;]<\/p>\n<ul>\n<li>Every 2 WorldMiles points gets you 1 AirMile of your preferred frequent flyer program.<\/li>\n<li>Enhance your travel experience with complimentary access to Plaza Premium Lounge in KLIA and klia2 when you travel internationally1.<\/li>\n<li>Shop online worry free with up to USD200 e-commerce purchase protection.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;info-row&#8221; css=&#8221;.vc_custom_1672283227018{margin-bottom: 28px !important;}&#8221;][vc_column_inner el_class=&#8221;info-icon&#8221; width=&#8221;1\/12&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5205\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Balance-Transfer.svg\" alt=\"\" width=\"33\" height=\"32\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672283269158{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Balance Transfer<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744519620{margin-bottom: 24px !important;}&#8221;]<\/p>\n<ul>\n<li>12 months with interest rate at 5.99% p.a. and no one-time upfront handling fee from RM1,000 transferred<\/li>\n<li>18 months with interest rate at 5.99% p.a. and no one-time upfront handling fee from RM 1,000 transferred<\/li>\n<li>24 months with interest rate at 5.99% p.a. and no one-time upfront handling fee from RM1,000 transferred<\/li>\n<li>36 months with interest rate at 5.99% p.a. and no one-time upfront handling fee from RM 1,000 transferred<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;info-row&#8221; css=&#8221;.vc_custom_1672283227018{margin-bottom: 28px !important;}&#8221;][vc_column_inner el_class=&#8221;info-icon&#8221; width=&#8221;1\/12&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5206\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Easy-Payment-Plan.svg\" alt=\"\" width=\"33\" height=\"32\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672283382330{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Easy Payment Plan<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744532555{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h5>STANDARD CHARTERED FLEXIPAY PLUS<\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744673085{margin-bottom: 24px !important;}&#8221;]<\/p>\n<ul>\n<li>6 months with interest rate at 9.88% p.a. and no one-time upfront handling fee when spend RM500<\/li>\n<li>9 months with interest rate at 9.88% p.a. and no one-time upfront handling fee when spend RM 500<\/li>\n<li>12 months with interest rate at 9.88% p.a. and no one-time upfront handling fee when spend RM500<\/li>\n<li>18 months with interest rate at 9.88% p.a. and no one-time upfront handling fee when spend RM 500<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;info-row&#8221; css=&#8221;.vc_custom_1672283480392{margin-bottom: 28px !important;}&#8221;][vc_column_inner el_class=&#8221;info-icon&#8221; width=&#8221;1\/12&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5207\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Eligibility.svg\" alt=\"\" width=\"33\" height=\"32\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672283453385{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Eligibility<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675744684890{margin-bottom: 16px !important;}&#8221;]<\/p>\n<ul>\n<li>Min. age 21 for principal holder<\/li>\n<li>Free for fee of principal holder<\/li>\n<li>Min. age 18 for supplementary holder<\/li>\n<li>Free for first applicants of supplementary holder<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;info-row&#8221; css=&#8221;.vc_custom_1672283575136{margin-bottom: 83px !important;}&#8221;][vc_column_inner el_class=&#8221;info-icon&#8221; width=&#8221;1\/12&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5208\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Fees-and-Charges.svg\" alt=\"\" width=\"33\" height=\"32\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672283512194{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Fees and Charges<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<ul>\n<li>Late Payment Charge: Minimum RM10 or 1% of the total outstanding balance, up to maximum amount of RM100<\/li>\n<li>Cash Advance Amount: Up to 90% credit limit<\/li>\n<li>Cash Advance Charge: Higher of RM26.50 or 5.3% of cash advance amount<\/li>\n<li>Cash Advance interest charge: 18%<\/li>\n<li>Rewards Points expiry: N\/A<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_row disable_element=&#8221;yes&#8221; el_id=&#8221;product-review&#8221; css=&#8221;.vc_custom_1678440010795{padding-top: 2rem !important;padding-bottom: 2rem !important;background-color: #f5f5f5 !important;}&#8221;][vc_column width=&#8221;7\/12&#8243;][vc_column_text el_id=&#8221;review-heading&#8221; css=&#8221;.vc_custom_1672291126675{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h2>Review<\/h2>\n<p>[\/vc_column_text][vc_column_text el_id=&#8221;product-review-author&#8221;]By Loan Panda[\/vc_column_text][vc_column_text el_id=&#8221;product-review-content&#8221;]The RHB Islamic Bank Pensioner Personal Financing-i is an unsecured Islamic personal financing specifically for retired Malaysian government servants. It has a low-profit rate at 5.25% per annum, or per year, and a high financing tenure of up to 10 years.<\/p>\n<ul>\n<li>Best for: Pensioners who are looking to start a business in retirement<\/li>\n<li>Eligibility: Malaysian citizen from 40 years of age<\/li>\n<li>Pros: No guarantor or collateral required, and no exit fee or early settlement charges imposed if you settle the financing early.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;8140&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row disable_element=&#8221;yes&#8221; el_id=&#8221;product-faq&#8221; css=&#8221;.vc_custom_1678440019584{margin-bottom: 30px !important;}&#8221;][vc_column][vc_column_text el_id=&#8221;faq-title&#8221; css=&#8221;.vc_custom_1672293214674{margin-top: 24px !important;margin-bottom: 24px !important;}&#8221;]<\/p>\n<h1 style=\"text-align: center;\">FAQ<\/h1>\n<p>[\/vc_column_text][vc_row_inner el_id=&#8221;faq-desc&#8221; css=&#8221;.vc_custom_1672292462848{padding-top: 46px !important;padding-right: 70px !important;padding-bottom: 46px !important;padding-left: 70px !important;background-color: #fef6f5 !important;border-radius: 25px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4921\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Frame.png\" alt=\"\" width=\"270\" height=\"259\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243; el_id=&#8221;faq-desc-img-column&#8221;][vc_column_text css=&#8221;.vc_custom_1672298873194{margin-bottom: 16px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: left;\">While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: left;\">Here\u2019s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1672379521813{background-color: #f5f5f5 !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1672294503593{margin-top: 86px !important;margin-bottom: 86px !important;}&#8221; el_id=&#8221;footer-on-top&#8221;][vc_column_text css=&#8221;.vc_custom_1672294021465{margin-bottom: 8px !important;}&#8221;]<\/p>\n<h1 class=\"font-purple-primary\">We Are Here to Help!<\/h1>\n<p>[\/vc_column_text][vc_column_text el_id=&#8221;footer-on-top-subtitle&#8221; css=&#8221;.vc_custom_1672294461213{margin-bottom: 24px !important;}&#8221;]Our mission is to deliver reliable, up-to-date tips &amp; advice[\/vc_column_text][vc_column_text el_id=&#8221;footer-on-top-contact-info&#8221; css=&#8221;.vc_custom_1672294440955{margin-bottom: 8px !important;}&#8221;]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4075\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/phone-dark.png\" alt=\"\" width=\"16\" height=\"16\" \/> 011-5508 9898[\/vc_column_text][vc_column_text el_id=&#8221;footer-on-top-contact-info&#8221; css=&#8221;.vc_custom_1672303087914{margin-bottom: 30px !important;}&#8221;]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4074\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/email-dark.png\" alt=\"\" width=\"16\" height=\"16\" \/> official@loanpanda.com.my<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner el_id=&#8221;footer-on-top-btn-left&#8221; css=&#8221;.vc_custom_1672294352141{margin-bottom: 16px !important;border-left-width: 0px !important;}&#8221;]\n            <a class=\"btn  btn-custom btn-rounded \" href=\"\/consultant\" style=\"background-color:#ff5959;color:#ffffff;\">Meet The Consultant<\/a>\n    \n    [\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/3&#8243; el_id=&#8221;footer-on-top-img&#8221; offset=&#8221;vc_hidden-xs&#8221; css=&#8221;.vc_custom_1672379933577{margin-bottom: 0px !important;border-bottom-width: 0px !important;}&#8221;][vc_single_image image=&#8221;9559&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;1\/12&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section][vc_row el_id=&#8221;mobile-single-product-header&#8221; css=&#8221;.vc_custom_1672297943173{margin-bottom: 10px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_col-xs-8&#8243;][vc_column_text] Standard Chartered WorldMiles World MasterCard [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; 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