Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card offers a lifetime annual fee waiver, 5% cashback at selected merchants such as PARKnSHOP, and waives the 1.95% foreign transaction fee on overseas spending.
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
2 Offers Available
HK$1,500 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$1,500 Apple Store Gift Card

+ 7 other gift options

MoneyHero Limited-Time Exclusive Offer

  • New Standard Chartered Credit Card Customers get rewarded with HK$1,500 Apple Store Gift Card OR HK$1,500 Wellcome Shopping Voucher OR HK$1,500 HKTVmall e-Gift Voucher OR Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (value of HK$4,980) OR ^Dyson Supersonic Nural™ hair dryer HD16 (value of HK$3,980) OR ^Philips ADD6910/90 RO Water Dispenser (value of HK$2,788) OR Marshall Acton III Bluetooth Speaker (value of HK$2,499) OR SONY WF-1000XM5 Headphones (value of HK$2,490) OR Standard Chartered Smart Credit Card by fulfilling the following requirements:
    • From 14 May 2026 6 p.m. to 22 May 2026 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard / Standard Chartered Simply Cash Visa 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 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
    • ^Details for redeeming the Dyson Supersonic Nural™ hair dryer HD16 (value of HK$3,980) and Philips ADD6910/90 RO Water Dispenser (value of HK$2,788): After the eligibility are confirmed by the bank, MoneyHero will send out the redemption emails to the eligible customers. Customers can follow the instructions in the email and receive the Dyson Supersonic Nural™ hair dryer HD16 (value of HK$3,980) by paying HK$1,010 or Philips ADD6910/90 RO Water Dispenser (value of HK$2,788) by paying HK$360 using Standard Chartered Designated Cards at the redemption center. If there are any questions regarding the above rewards (including warranty and product condition), please contact MoneyHero to confirm the details.
    • 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 HK$1,000 CashBack
Welcome Offer
Up to HK$1,000 CashBack
  • Smart Credit Card – Welcome Offer Up to HKD1,000 CashBack
    • New credit card customers are required to spend HKD3,500 within the first 2 months after card issuance
    • Reward Structure:
      • HKD800 CashBack (Welcome Offer)
        Promotion Period: 1 May 2026 – 30 July 2026
      • HKD200 CashBack (Extra Offer)
        Promotion Period: 5 May 2026 – 30 June 2026
      • Total: Up to HKD1,000 CashBack
  • The CashBack from Welcome Offer will be credited within 4 months after card issuance
  • Terms and conditions apply.

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  %
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Cashback Digital Wallet
0.55  %
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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

  • Welcome offer of up to HK$1,000 cashback
  • Enjoy up to 5% CashBack* year-round at Designated Merchants, applicable to both online and offline spending (HK$1 CashBack for every HK$20 spent).
    • Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
    • Beauty & Health care: Watsons, Sasa
    • Food and beverage: McDonald’s Hong Kong, Foodpanda
    • Sport & Entertainment: Klook
    • Digital Lifestyle: China Mobile Hong Kong and s/ash
    • All spending at selected merchants is eligible for 5% cashback throughout the year
    • A minimum of HK$4,000 eligible spending per month is required; otherwise, no cashback will be earned for that month
    • Agoda hotel offer: Standard Chartered cardholders can enjoy up to 7% off global hotel bookings
    • 1.95% foreign transaction fee waiver: No extra fee for overseas or online foreign currency spending
    • No cash advance service fee
  • Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
  • Perpetual annual fee waiver
  •   Extra CashBack Basic CashBack Total CashBack#
    Monthly Eligible Spending* CashBack for Eligible Transactions made at Designated Merchants Spending Cap per Monthly Statement Cycle CashBack for Eligible Transactions Spending Cap per Monthly Statement Cycle  
    HKD 4,000 to HKD 14,999 4.44% HKD5,000^ 0.56% No Cap 5%
    HKD 15,000 3.80% 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.
  • 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.

 

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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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