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 and HKTVmall, 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 and also grants unlimited access to a 3-month interest-free installment plan.
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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Annual Fee Waiver
Perpetual Annual Fee Waiver
Interest on installment plans
0  %
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Foreign Currency Transaction Fee
0  %
4 Offers Available
HK$800 Apple Store Gift Card
MoneyHero Exclusive Welcome Voucher
HK$800 Apple Store Gift Card

+ 3 other gift options

  • 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 HK$800 Trip.com e-Voucher by fulfilling the following requirements:
    • From 29 November 2024 6 p.m. to 31 December 2024 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.
    • On or before 30 January 2025: The card must be approved by Standard Chartered, subject to the Bank’s system records.
    • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify 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
Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color)
MoneyHero Exclusive Welcome Gift
Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color)

+ 1 other gift options

  • New Standard Chartered Credit Card Customers get rewarded with Marshall Emberton II Speaker (Valued: HK$1,499; random color) OR BRUNO BOE021 Compact Hot Plate (valued at HK$998; Random Color) by fulfilling the following requirements:
    • From 29 November 2024 6 p.m. to 31 December 2024 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.
    • On or before 30 January 2025: The card must be approved by Standard Chartered, subject to the Bank’s system records.
    • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify 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
HK$800 CashBack
Welcome Offer
HK$800 CashBack

+ 1 other gift options

  • From now till 9 January 2025, new Cardholders have accumulated Eligible Transactions of HK$3,500 or above with the newly approved Smart Card within the first month from the date of issuance:
    • HK$800 OR
    • Two HKGPPF voucher with Infinity Room Access
  • The CashBack from Welcome Offer will be credited within 4 months after card issuance
No foreign currency transaction fees during travel and No other fees
Smart Card no foreign currency transaction fees offer
No foreign currency transaction fees during travel and No other fees

No foreign currency transaction fees during travel and No other fees

  • Waive 1.95% fee and earn 0.56% CashBack on foreign currency retail transaction
  • No annual fees
  • No Cash advance fees

  • 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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orders
Cashback Online Food Delivery
5  %
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shopping_bag
Cashback Local Online Shopping
0.55  %
shopping_bag
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

  • 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 for retail spending over HK$2,000 or above.
    • 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.
  • 5% CashBack at PARKnSHOP

    Year round offers: 5% CashBack at designated merchants like HKTVmall 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, 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
  • 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

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.

 

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