Standard Chartered Smart Credit Card
Last Updated: Feb 2023
$
96,000
Min. Annual Income
5
%
Local Spending - Cashback Rate
on designated stores spending
First HK$60,000 spending at selected merchants: 5% CashBack; HK$60,001 or above spending: 0.55% CashBack
0.55
%
Overseas Spending - Cashback Rate
Exclusive Offer
from MoneyHero
OFFER 1
HK$350 HKTVmall e-Gift Voucher or HK$350 Apple Store Gift Card

How to be entitled to MoneyHero Limited-Time Exclusive Offer?

  • From 31 January 2023 12 p.m. to 7 February 2023 12 p.m., new cardholders of Standard Chartered Credit Card who successfully apply for designated Standard Chartered Credit Card via MoneyHero are entitled to enjoy MoneyHero Exclusive Offer - HK$350 HKTVmall e-Gift Voucher or HK$350 Apple Store Gift Card.
  • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
  • The card must be approved by Standard Chartered on or before 31 March 2023, subject to the Bank’ system records.
  • 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.

Welcome Offers from Standard Chartered

OFFER 1
HK$1,200 CashBack
  • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Smart Credit Card application through online channel from 5 January 2023 to 27 February 2023 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.
  • Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details.
  • New Cardholders have accumulated Eligible Transactions of HK$4,000 or above with the newly approved Smart Card within the first 1 months from the date of issuance will be rewarded HK$1,200 CashBack.
  • 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 Smart Credit Card.
Year round offers: 5% CashBack at designated merchants like HKTVmall, PARKnSHOP and Klook and more
Annual Fee Waiver
Octopus Reload Rebate
Digital Wallet Rebate
MoneyHero Exclusive Offer

Great for

  • MoneyHero Limited-Time Exclusive Offer

    • New Standard Chartered Credit Card Customers get rewarded with HK$350 HKTVmall e-Gift Voucher or HK$350 Apple Store Gift Card by fulfilling the following requirements:
    Important Dates Requirements

    From 31 January 2023 12 p.m. to 7 February 2023 12 p.m.

    New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero are entitled to MoneyHero Limited-Time Exclusive Offer - HK$350 HKTVmall e-Gift Voucher or HK$350 Apple Store Gift Card.

    Within 7 days of receiving the form Submit the reward redemption form sent via email previously.
    On or before 31 March 2023 The card must be approved by Standard Chartered, subject to the Bank’s system records.
    • Tips:
      • 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.
  • Welcome Offer - HK$1,200 CashBack

    Requirements CashBack
    New Cardholders have accumulated Eligible Transactions of HK$4,000 or above with the newly approved Smart Card within the first month from the date of issuance HK$1,200 CashBack
    • The CashBack from Welcome Offer will be credited within 4 months after card issuance
  • 3-months unlimited interest-free instalment plan - you can have more flexibility based on your personal financial situation.
    • Upon successfully apply for a credit card statement instalment plan with a tenor of 3 months through SC Mobile App or online and the Bank approving such application, the Cardholder will be entitled to interest and handling fee-free period for the first 3-months of the Credit Card Statement Instalment Plan.
    • Note: Standard Chartered will reverse HK$1 CashBack on the「360° Rewards」Redemption Platform for every HK$180 instalment amount applied. For spending amounts that are not eligible to earn CashBack, Standard Chartered will also reverse HK$1 CashBack for every HK$180 instalment amount applied. Where there is insufficient CashBack balance on the「360° Rewards」Redemption Platform for deduction, a negative balance will be displayed.
  • Year round offers: 5% CashBack at designated merchants like HKTVmall, PARKnSHOP and 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, Klook, PARKnSHOP, SaSa and Watsons 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

Need to know

  • 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!

Year-round rewards

CASH REBATE
Local Spending
5%
First HK$60,000 spending at selected merchants: 5% CashBack; HK$60,001 or above spending: 0.55% CashBack
Overseas Spending
0.55%
Online Shopping Spending (Local)
0.55%
Online Shopping Spending (Overseas)
0.55%
Dining Spending
0.55%
Digital Wallet Spending
0.55%
Octopus Top Up Spending
0.55%

Eligibility

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

Fees

Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
Waived

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 Repayment Period
Up to 56 days

Other information

Credit card type
Visa Signature

Isn't the best product for you?

Compare more credit cards on MoneyHero