Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card offers a permanent waiver on annual fees. It provides 5% cashback at selected merchants like ParknShop with some merchants offering limited-time cashback of up to 8%. Using the card for foreign currency transactions exempts you from a 1.95% handling fee.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Standard Chartered Smart Credit Card Highlights

Cashback Local
5  %
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Interest on installment plans
0  %
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Foreign Currency Transaction Fee
0  %
Annual Fee Waiver
Perpetual Annual Fee Waiver
Offer Available
HK$800 Apple Store Gift Card
MoneyHero Exclusive Welcome Offer
HK$800 Apple Store Gift Card HK$800 Apple Store Gift Card

+ 5 other gift options

MoneyHero Limited-Time Exclusive Offer

  • New Standard Chartered Credit Card Customers get rewarded with HK$800 Apple Store Gift Card OR HK$800 Wellcome Shopping Voucher OR HK$800 HKTVmall e-Gift Voucher OR Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980, random colour)  OR NESCAFÉ® Dolce Gusto® Genio S Plus with 6 boxes coffee capsules (valued at HK$1,780) OR Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color) : by fulfilling the following requirements:
    • From 31 October 2025 6 p.m. to 1 December 2025 6 p.m. : New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card 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 1 January 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

Things to consider

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Installment

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No foreign txn fee

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Local spending rebate

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Annual Fee waiver

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Standard Chartered Smart Credit Card Benefits

Cashback

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Cashback Base Rate
0.55  %
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Cashback Local
5  %
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flight
Cashback Overseas
0.55  %
restaurant
Cashback Dining
0.55  %
shopping_cart
Cashback Supermarket
5  %
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Cashback Convenience Store
5  %
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Cashback Online Food Delivery
5  %
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Cashback Local Online Shopping
0.55  %
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Cashback Overseas Online Shopping
0.55  %
account_balance_wallet
Cashback Digital Wallet
0.55  %
paid
Cashback Forex
0.55  %
Cashback Octopus Top Up Spending
0.55  %

Additional Benefits

Octopus Maximum Top up Value
HK$ 500
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Standard Chartered Smart Credit Card More Info

  • 5% CashBack at PARKnSHOP

    Year round offers: 5% CashBack at designated merchants like Klook and more

    • Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
      • From 2023 onwards, JHC will be added as a designated merchant
      • Other designated merchants include 759 Store, Circle K Convenience Store, HKTVmall, Klook, SaSa, Watsons, Decathlon, China Mobile Hong Kong (from 9 June 2023 onwards) and Deliveroo (from 1 April 2023 onwards) etc.
      • Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.
      • No minimum spending requirement.
      • The cap of 5% CashBack earned within the promotion period is HK$3,000. (You will reach the cap when you spend HK$60,000 at selected merchants.)
    • Other retail transactions (including online transactions and interest-free monthly instalment), Octopus Automatic Add-Value transactions and PayMe top-up transactions are entitled to 0.55% CashBack.
  • Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
  • Perpetual annual fee waiver
  • No foreign transaction fee
    • No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.
  • No cash advance fees
  • Extra CashBackBasic CashBackTotal CashBack#
    Monthly Eligible Spending*CashBack for Eligible Transactions made at Designated MerchantsSpending Cap per Monthly Statement CycleCashBack for Eligible TransactionsSpending Cap per Monthly Statement Cycle
    HKD 4,000 to HKD 14,9994.44%HKD5,000^0.56%No Cap5%
    HKD 15,0003.80%1.2%5%
  • Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
    • 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.
  • Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants
  • You are required to redeem CashBack through the 360° Rewards Redemption Platform.
    • The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
    • Cardholders are required to redeem CashBack through the platform.
    • The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.
  • Terms and conditions apply. Please refer to Standard Chartered website for credit card details.

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

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Standard Chartered Smart Credit Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 96,000
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Standard Chartered Smart Credit Card Fees / Repayment

Fees

Annual Fee Waiver
Perpetual Annual Fee Waiver
Annual Fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
0  %

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
37.13  %
Interest Free Period
Up to 56  days
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Standard Chartered Smart Credit Card Other Info

Association

VISA Signature

Tags

Standard Chartered Smart Credit Card Standard Chartered Smart Credit Card

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