Standard Chartered Smart Credit Card
Last Updated: May 2022
$
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$1,000 Apple Store Gift Card / HK$1,000 HKTVmall Voucher

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

  • From 18 May 2022 12:00 p.m. to 31 May 2022 06:00 p.m., new cardholders of Standard Chartered Credit Card who successfully apply for Standard Chartered Smart Credit Card via MoneyHero are entitled to enjoy MoneyHero Exclusive Limited-Time Offer - HK$1,000 Apple Store Gift Card / HK$1,000 HKTVmall Voucher.
  • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
  • 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 within 7 days of card approval. MoneyHero will verify your reward eligibility. A redemption notification will be sent to Eligible Customers via email within 90 days of eligibility confirmation, depending on the gift vendor's delivery time or other factors that may affect the fulfillment time of the Promotion Reward.
  • The card must be approved by Standard Chartered on or before 30 June 2022, 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
Up to HK$2,500 CashBack
  • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Smart Credit Card application through online channel from 1 April 2022 to 29 June 2022 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.

Tier 1: HK$1,000 CashBack

    • New Cardholders have accumulated Eligible Transactions of HK$8,000 or above with the newly approved Smart Card within the first 2 months from the date of issuance will be rewarded HK$1,000 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.

Tier 2: Extra HK$1,000 CashBack

    • Upon having satisfied the accumulated Eligible Transactions requirement under the Tier 1 Welcome Offer, New Cardholders will have to spend additional accumulated eligible transactions of HK$12,000 on top of Tier 1 in 4 months from the date of card issuance, will be rewarded HK$1,000 CashBack.

Extra HK$500 CashBack

    • From now till 29 June 2022, new cardholders have accumulated eligible retail spending of HK$2,000 or above with the newly approved card through AlipayHK or WeChat Pay or Octopus Automatic Add Value Service within the first 2 months from the date of issuance, are entitled to HK$500 CashBack.
Spring and Summer Offer: 8% rewards at AEON
Year round offers: 5% CashBack at designated merchants like PARKnSHOP, Klook and ZALORA
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$1,000 Apple Store Gift Card / HK$1,000 HKTVmall Voucher by fulfilling the following requirements:
    Important Dates Requirements
    From 18 May 2022 12:00 p.m. to 31 May 2022 06:00 p.m.

    New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero are entitled to choose one out of two options as MoneyHero Limited-Time Exclusive Offer:

    • HK$1,000 Apple Store Gift Card; OR
    • HK$1,000 HKTVmall Voucher
    Within 7 days of receiving the form Submit the reward redemption form sent via email previously.
    On or before 30 June 2022 The card must be approved by Standard Chartered, subject to the Bank’s system records.
    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.
    • 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.
  • [Time Limited Welcome Offer] Extra HK$500 CashBack
    • From now till 29 June 2022, new cardholders have accumulated eligible retail spending of HK$2,000 or above with the newly approved card through AlipayHK or WeChat Pay or Octopus Automatic Add Value Service within the first 2 months from the date of issuance, are entitled to HK$500 CashBack.
  • Welcome Offer - Up to HK$2,000 CashBack

    Requirements CashBack
    Welcome Offer - Tier 1
    New Cardholders have accumulated Eligible Transactions of HK$8,000 or above with the newly approved Smart Card within the first 2 months from the date of issuance
    HK$1,000 CashBack
    Welcome Offer - Tier 2
    Upon having satisfied the accumulated Eligible Transactions requirement under the Tier 1 Welcome Offer, New Cardholders will have to spend additional accumulated eligible transactions of HK$12,000 on top of Tier 1 in 4 months from the date of card issuance
    Extra HK$1,000 CashBack
    Total spending HK$20,000 in 4 month Up to HK$2,000 CashBack
  • 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.
  • Spring and Summer Offer: 8% rewards at AEON

    • From 1 April to 31 August 2022, earn 8% CashBack with Smart Card when you shop at designated stores of AEON, including AEON, AEON STYLE, AEON SUPERMARKET, Mono Mono, DAISO JAPAN and Living PLAZA by AEON.
    • No registration or minimum spending required.
    • A maximum CashBack of HK$800 can be earned under the Spring and Summer Offer within the promotion period. (You will reach the cap when you spend HK$10,000).
  • Year round offers: enjoy year round 5% CashBack when you spend at designated merchants like PARKnSHOP, Klook and ZALORA

    • Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
      • Selected merchants include 759 Store, Circle K Convenience Store, foodpanda, Klook, PARKnSHOP, SaSa retail store & eShop, Watsons and ZALORA 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.
  • 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 2022 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

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