Standard Chartered Cathay Mastercard
Last Updated: Dec 2021
$ 96,000
Min. Annual Income
$ 4 /mile
Local Spending - Air Miles Conversion
on eligible dining, online and overseas spending
HK$6=1 Air Miles on local spending
$ 4 /mile
Overseas Spending - Air Miles Conversion
Overseas spending: HK$4 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; For the other spending: HK$6 = 1 Mile
Exclusive Offer
from MoneyHero
OFFER 1
HK$300 Marks & Spencer voucher
  • From now till 31 December 2021, new Standard Chartered Credit Card cardholders who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero are entitled to HK$300 Marks & Spencer voucher.
  • Within 7 days of card approval, please send (1) the name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Standard Chartered.
  • If you have concerns regarding redemption process, please refer to this article.
  • MoneyHero Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.

Welcome Offers from Standard Chartered

OFFER 1
Up to 60,000 Asia Miles (as low as HK$0.2 = 1 Asia Mile)
  • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Cathay Mastercard application through online channel during the period from 1 October to 30 December 2021 (both dates inclusive) and fulfill relevant requirements. 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 application for a principal card of Standard Chartered Credit Cards.
  • The Asia Miles of this welcome offer include the Asia Miles earned from the prevailing Standard Chartered Cathay Mastercard/Standard Chartered Cathay Mastercard – Priority Banking/Standard Chartered Cathay Mastercard – Priority Private Rewards Scheme (“Rewards Scheme”) Terms and Conditions
  • Eligible transactions are local and overseas retails transactions, online purchase or posted amount of instalment purchase made within the first 2 months from the date of issuance of the newly approved Standard Chartered Cathay Mastercard
  • Applicants are required to enter their Asia Miles membership account during application process. Please enroll as Asia Miles member before proceed to card application
  • Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details.
Welcome offer: as low as HK$0.2 = 1 Asia Mile; HK$3 = 1 Asia Mile for eligible spending on Cathay and Hong Kong Express; First-year annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Annual Fee Waiver
Octopus Reload Rebate
Digital Wallet Rebate
MoneyHero Exclusive Offer

Great for

  • Welcome Offer - Up to 60,000 miles
    From 1 October 2021 to 31 December 2021 (both dates inclusive), new cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to 60,000 Asia Miles.
    Accumulate eligible transactions within the first 2 months of card issuance Earn Rate (HK$ to Asia Mile) Maximum Asia Miles Earned
    HK$1,000 HK$0.2 = 1 mile 5,000 Miles
    HK$5,000 HK$0.33 = 1 mile 15,000 Miles
    HK$40,000 HK$1 = 1 mile 40,000 Miles
    HK$100,000 HK$1.67 = 1 mile 60,000 Miles
        Total: 60,000 miles
  • MoneyHero Exclusive Offer - HK$300 Marks & Spencer voucher
    • New cardholders of Standard Chartered Credit Card who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero are entitled to HK$300 Marks & Spencer voucher.
    • How to redeem MoneyHero exclusive offer?
      • 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.
      • Within 7 days of card approval, send an email with (1) the name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Standard Chartered.
    • Tips:
  • #AlwaysMore 8th Anniversary Lucky Draw
    • #AlwaysMore Rewards with MoneyHero! From now till 21 January 2022 6:00 p.m., you will be automatically enrolled in the #AlwaysMore 8th Anniversary Lucky Draw, and have a chance to win the latest Apple iPhone 13 Pro Max and other exclusive gifts of total face value over HK$380,000 when you successfully apply for selected products via MoneyHero.
    • Terms and conditions apply.
    • Trade Promotion Competition Licence No.: 55323
  • Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
    • HK$3 = 1 Asia Mile for eligible spending on Cathay and Hong Kong Express
    • HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
    • HK$6 = 1 Asia Mile for eligible spending on other categories
  • Asia Miles Redemption Privileges - 10% Asia Miles redemption discount
    Designated items include:
    • Hotel, Car Rental and Experience Awards;
    • Dining Awards On selected restaurant; and
    • Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
  • Marco Polo Club Privileges
    • Earn up to 100 Marco Polo Club club points for HK$500,000 Eligible Transactions
    • Remarks: You can only earn Marco Polo Club club points whenever you fly in eligible fare classes with Cathay Pacific or any of the oneworld alliance airlines. The club points can be used to renew or upgrade tiers.
  • First-year annual fee waiver upon successful card application
    • Annual fee will be waived if cardholders are Standard Chartered Priority Banking clients or Premium Banking clients who meet the relevant Minimum Relationship Balance requirement, or payroll account clients.

Need to know

  • 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.

Year-round rewards

AIR MILES REWARDS
Local Spending
$4/mile
HK$6=1 Air Miles on local spending
Overseas Spending
$4/mile
Overseas spending: HK$4 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; For the other spending: HK$6 = 1 Mile
Dining Spending
$4/mile
Dining spending: HK$4 = 1 Mile
Online Shopping Spending (Overseas)
$4/mile
Online shopping spending: HK$4 = 1 Mile
Online Shopping Spending (Local)
$4/mile
Online shopping spending: HK$4 = 1 Mile
Octopus Top Up Spending
$6/mile
Digital Wallet Spending
$6/mile

Eligibility

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

Fees

Annual fee
HK$2,000
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
35.70%
Cash Advance APR
39.09%
Interest Free Repayment Period
Up to 56 days

Other information

Credit card type
Mastercard

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