Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

The Standard Chartered Cathay Mastercard offers a welcome offer of up to 40,000 miles and a first-year annual fee waiver. With this card, spending at Cathay Pacific and HK Express can be as low as HK$2 per mile, while online purchases, dining, and overseas spending can be as low as HK$4 per mile. The annual income requirement is HK$96,000, which is the lowest among the three Standard Chartered Cathay Mastercards available.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
layers

Standard Chartered Cathay Mastercard Highlights

Annual Fee
HK$ 2,000
info
Airmiles Hotel Booking
$ 4  per mile
info
Airmiles Dining
$ 4  per mile
info
Airmiles Overseas
$ 4  per mile
info
3 Offers Available
HK$900 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$900 Apple Store Gift Card

+ 6 other gift options

MoneyHero Limited-Time Exclusive Offer

  • New Standard Chartered Credit Card Customers get rewarded with HK$900 Apple Store Gift Card OR HK$900 Wellcome Shopping Voucher OR HK$900 HKTVmall e-Gift Voucher OR Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (value of HK$4,980) OR PHILIPS S7886/35 Shaver S7000 Wet & Dry electric shaver (value of HK$1,698) OR Marshall Emberton II Bluetooth Speaker (value of HK$1,499) OR Nothing Ear (3) Wireless Earbuds (value of HK$1,299) by fulfilling the following requirements:
    • From 22 May 2026 6 p.m. to 29 May 2026 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
    • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously. Please fill in the form with accurate Reference Number. Application Reference Number (HK + 14-digit number (for example HKxxxxxxxxxxxxxx).
    • On or before 30 June 2026: The card must be approved by Standard Chartered, subject to the Bank’s system records.
    • Within 7 days after the credit card is successfully approved: Complete this form and upload the relevant approval proof for verification of the applicant's reward eligibility.
  • Tips:
    • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
    • Terms and Conditions Apply.
    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward 
Up to 40,000 Miles
Welcome Offer - Up to 40,000 Miles
Up to 40,000 Miles
  • From now till 30 July 2026, new cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to 40,000 Asia Miles
    • Spending within the first 2 months upon card issuance –
      • Tier 1: Accumulated Eligible Transactions* of HKD5,000 = 10,000 Miles (HK$0.5/mile)
      • Tier 2: Accumulated Eligible Transactions* of HKD40,000 = 20,000 Miles (HK$2/mile)
      • Tier 3: Accumulated Eligible Transactions* of HKD110,000 = 40,000Miles (HK$2.75/mile)
    • *Eligible Transactions are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase
  • Please refer to the terms and conditions for details.
Up to 10,000 Asia Miles
Standard Chartered Cathay Mastercard® x Integrated Deposits Account Special Offer
Up to 10,000 Asia Miles

Eligible new/existing cardholders who successfully apply for and are approved for Standard Chartered Cathay Mastercard® / Standard Chartered Cathay Mastercard® – Priority Banking / Standard Chartered Cathay Mastercard® – Priority Private during the Promotion Period, and successfully open an Integrated Deposits Account (IDA), deposit at least HKD5,000 in New Funds# into the newly opened IDA by the end of the next calendar month after account opening, and maintain the required balance until the designated date, can enjoy up to 10,000 / 3,000 Asia Miles.

  • Eligible New Cardholders: 10,000 Asia Miles
  • Eligible Existing Cardholders: 3,000 Asia Miles

Terms & Conditions:

  • Promotion Period: 1 May 2026 – 30 July 2026 (both dates inclusive).
  • Eligible Cards include:
    • Standard Chartered Cathay Mastercard®
    • Standard Chartered Cathay Mastercard® – Priority Banking
    • Standard Chartered Cathay Mastercard® – Priority Private
  • Applicant must not have maintained any Standard Chartered deposit account in the past 12 months.
  • Applicant must successfully apply for and be approved for the Eligible Card by 31 October 2026.
  • Applicant must successfully open an IDA during the Promotion Period.
  • At least HKD5,000 New Funds must be deposited by the end of the next calendar month after IDA opening.
  • New Funds must be maintained until the designated holding date.
  • Each eligible client can enjoy the offer only once during the Promotion Period.
  • Asia Miles / CashBack will be credited by 31 January 2027.
  • Offer is subject to full terms and conditions.

# “New Funds” refer to funds deposited from other banks or eligible redemption proceeds from investment/insurance products, excluding internal transfers within Standard Chartered or rollover deposits.

To borrow or not to borrow? Borrow only if you can repay!

For full details, please refer to official Terms & Conditions.

Things to consider

check

Welcome offer: Air miles

remove

Air miles conversion

remove

Hotel bookings offer

remove

Overseas rebate

sentiment_satisfied

Standard Chartered Cathay Mastercard Benefits

Airmiles

credit_card
Airmiles Base Rate
$ 6  per mile
location_on
Airmiles Local
$ 6  per mile
info
flight
Airmiles Overseas
$ 4  per mile
info
restaurant
Airmiles Dining
$ 4  per mile
info
shopping_bag
Airmiles Local Online Shopping
$ 6  per mile
info
shopping_bag
Airmiles Overseas Online Shopping
$ 4  per mile
info
luggage
Airmiles Travel
Up to $ 2  per mile
info
Airmiles Digital Wallet
$ 6  per mile
info
Airmiles Octopus Top Up Spending
$ 6  per mile
info
Airmiles Online Food Delivery
$ 4  per mile
info

Additional Benefits

Octopus Maximum Top up Value
HK$ 500
manage_search

Standard Chartered Cathay Mastercard More Info

Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

  • Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express#
    • #Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. 
  • HK$4 = 1 Asia Mile for eligible spending on dining, hotels and overseas spending categories
  • HK$6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars

 

10% discount on Asia Miles Awards redemption

  • Hotel, Car Rental and Experience Awards;
  • Dining awards or settle bill with miles; and
  • Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

 

First-year annual fee waiver

  • New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

 

Other things to note

  • New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
  • Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
  • An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
  • For more information, please refer to here.
rule_folder

Standard Chartered Cathay Mastercard Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 96,000
local_atm

Standard Chartered Cathay Mastercard Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 2,000
info
Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher.
Late Payment Charge
EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower
Retail Purchase APR
35.7  %
Cash Advance APR
39.9  %
Interest Free Period
Up to 56  days
grid_view

Standard Chartered Cathay Mastercard Other Info

Association

Mastercard

Tags

Standard Chartered Cathay Mastercard Standard Chartered Cathay Mastercard

Disclaimer: MoneyHero makes every effort to keep information on our website accurate and up-to-date. This information may be different from what you see when you visit a financial institution or service provider’s site. APR and monthly payments shown in personal instalment loan comparison pages are estimated based on calculation of information you enter. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies in information, please contact the financial institution directly.

 

© 2013 - 2025 MoneyHero Global Limited (registered in Hong Kong under company number 1864714) (“MHGL”). All rights reserved. MoneyHero Insurance Brokers Limited (registered in Hong Kong under company number 2196683) (“MHIBL”) is a wholly owned subsidiary of MHGL. MHIBL is an authorized insurance broker with Insurance Authority License Number FB1740 whose business it is to arrange insurance products and services for its clients. MHGL is not an insurance company, agent or broker. Other than the provision of marketing services to virtual insurance companies that do not work with insurance intermediaries, MHGL does not carry on an insurance business and all insurance-related activities displayed, offered or referred to on this site are carried out solely by MHIBL in its capacity as an insurance broker. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy.