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.
Cashback Local
5  %
Annual Fee Waiver
Perpetual Annual Fee Waiver
Interest on installment plans
0  %
Foreign Currency Transaction Fee
1.95  %
3 Offers Available
HK$800 Apple Store Gift Card
MoneyHero Exclusive Offer
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 e-Voucher OR HK$800 Wellcome Shopping Voucher OR HK$800 HKTVmall e-Gift Voucher by fulfilling the following requirements:
    • From 31 May 2024 6 p.m. to 2 July 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 31 July 2024: 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, 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
The Coffee Academics Buy-1-Get-1 Free
Smart Card Special Offer
The Coffee Academics Buy-1-Get-1 Free
  • From 15 April 2024 to 15 July 2024, Smart Cardholders can enjoy Buy-1-Get-1-Free offer every Monday when you spend on any of your favourite coffee or other beverages worth HKD45 or below using Smart Card at The Coffee Academics
  • Offer is applicable to designated The Coffee Academics outlets in HongKong Cardholders are entitled to a maximum of one complimentary drink per transaction per day under the Offer Applicable to dine-in and takeaway orders
  • Cardholders must indicate their intention to use their Smart Card when ordering and before making payment to enjoy the offer
  • A 10% service charge is applied to dine-in orders only and based on the original price (including price of complimentary beverage(s))
  • The complimentary drink shall be of a value that is equal to or lower than the lowest value of the ordered beverage(s) in one transaction and must be redeemed immediately with the purchased beverage
  • Quotas apply while stocks last
  • Terms and conditions apply
HK$1,200 Cash Rebate
Welcome Offer
HK$1,200 Cash Rebate

+ 1 other gift options

  • From now till 3 July 2024, 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 OR
    • Two Lounge Pass to Plaza Premium First Hong Kong
  • The CashBack from Welcome Offer will be credited within 4 months after card issuance

Things to consider




No foreign txn fee


Local spending rebate


Annual Fee waiver


Cashback Base Rate
0.55  %
Cashback Local
5  %
Cashback Overseas
0.55  %
Cashback Dining
0.55  %
Cashback Supermarket
5  %
Cashback Convenience Store
5  %
Cashback Online Food Delivery
5  %
Cashback Local Online Shopping
0.55  %
Cashback Overseas Online Shopping
0.55  %
Cashback Digital Wallet
0.55  %
Cashback Forex
0.55  %
Cashback Octopus Top Up Spending
0.55  %

Additional Benefits

Octopus Maximum Top up Value
HK$ 500

  • 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!


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


Annual Fee Waiver
Perpetual Annual Fee Waiver
Annual Fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95  %


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


VISA Signature


Standard Chartered Smart Credit Card Standard Chartered Smart Credit Card