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Standard Chartered Smart Credit Card

Last Updated:Apr 2021
$96,000
Min. Annual Income
0.55%
Overseas Spending - Cashback Rate
Offers
Benefits
Eligibility
APR/Fees

Offers

Exclusive Offer

from MoneyHero

OPTION 1

HK$350 supermarket coupon

  • From 1 to 30 April 2021, new cardholders of Standard Chartered Credit Card who successfully apply for Standard Chartered Smart Credit Card via MoneyHero can enjoy HK$350 supermarket coupon.

Welcome Offers from Standard Chartered

OPTION 1

Up to HK$1,600 CashBack

Welcome Offer - Up to HK$1,500 CashBack (HK$1,000 CashBack for spending + HK$500 CashBack for recurring transactions)

  • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Smart Credit Card application through online channel from 1 April to 5 July 2021 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.

Up to HK$1,000 CashBack

    • New Cardholders will be entitled to 25% CashBack on Eligible Transactions spending made with the newly approved Smart Card within the first 2 months from the date of card issuance, subject to a maximum of HK$1,000 CashBack.
    • CashBack rewarded under this welcome offer includes the CashBack earned from the prevailing Standard Chartered Smart Credit Card Rewards Scheme.
    • 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.

Up to HK$500 CashBack for recurring transactions

    • New Cardholders will be entitled to HK$100 CashBack for each set up of merchant eligible recurring transactions with merchant and with those recurring transactions being settled successfully with the newly approved Smart Card within the first 2 months from the date of card issuance, subject to a maximum of HK$500 CashBack.
    • There is no minimum spending requirement in order to be eligible for the Welcome Offer.
    • Transactions made with insurance companies or associated with insurance are not considered as eligible recurring transactions.

Top-up Offer - HK$100 CashBack

    • New Cardholders who receive the newly approved Standard Chartered Smart Credit Card and sign up for Online Banking and complete the first login within the first 2 months from the date of card issuance are entitled to extra HK$100 CashBack.

Up to 5% CashBack on selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE; Perpetual annual fee waiver

Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.

Up to 5% CashBack on selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE; Perpetual annual fee waiver

Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.

Annual Fee Waiver
Annual Fee Waiver
Octopus Reload Rebate
Octopus Reload Rebate
Digital Wallet Rebate
Digital Wallet Rebate
Annual Fee Waiver
Annual Fee Waiver
Octopus Reload Rebate
Octopus Reload Rebate
Digital Wallet Rebate
Digital Wallet Rebate

Great for

Welcome Offer - Up to HK$1,600 CashBack
Requirements CashBack
Welcome Offer - Spending Offer
New Cardholders can enjoy 25% CashBack on first HK$4,000 eligible transactions with the card within the first 2 months from the date of card issuance		 Up to HK$1,000 CashBack

Welcome Offer - Recurring Transactions Offer
New Cardholders who set up eligible recurring transactions with merchant and with those recurring transactions being settled successfully with the newly approved Standard Chartered Smart Credit Card within the first 2 months from the date of card issuance

  • Examples of eligible recurring transactions: telephone service monthly fee, music streaming platform (eg. Spotify, KK BOX) monthly subscription fee and TV streaming (eg. Netflix, hmvod) monthly subscription fee
 Up to HK$500 CashBack
(HK$100 CashBack for each eligible recurring transaction)

Top-up Offer
New Cardholders who receive the newly approved Standard Chartered Smart Credit Card and sign up for Online Banking and complete the first login within the first 2 months from the date of card issuance

  • You only need your Phone Banking Card Number (the 16-digit of the Credit Card Number), TIN and mobile phone to sign up for Online Banking.
  • If you forget your Username or Password after registration, you may reset with your Standard Chartered Smart Credit Card number and TIN again.
 Extra HK$100 CashBack
  Up to HK$1,600 CashBack
MoneyHero Exclusive Offer - HK$350 supermarket coupon
  • New cardholders of Standard Chartered Credit Card who successfully apply for Standard Chartered Smart Credit Card via MoneyHero are entitled to HK$350 supermarket coupon.
  • Tips:
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
    • Send an email with(1) full name, (2) application date, (3) screen capture of reference number and (4) screen capture of approval SMS or Email notification to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up within 30 days of card approval. MoneyHero will verify your reward eligibility with Standard Chartered.
    • The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward. If you have concerns regarding the redemption process, please refer to this article.
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.
A must-have card for household spending: enjoy up to 5% CashBack when you spend at selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE
  • Enjoy up to 5% CashBack on selected merchants (HK$1 CashBack for every HK$20 spent).
    • Selected merchants include DON DON DONKI, 759 STORE, PARKnSHOP, Watsons, Circle K Convenience Store and more.
    • 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 is 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.
The promotion period of 5% CashBack at selected merchants is valid from now till 31 December 2021.
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

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
Local Spending
5%
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%

Eligibility

Eligibility

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

APR/Fees

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%

Other information

Credit card type
Visa Signature

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