Standard Chartered Smart Credit Card
Last Updated: Nov 2021
$ 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
    Beats Studio Buds – True Wireless Noise Cancelling Earphones (random colour; worth HK$1,249)
    • Up to 8 hours of listening time after charging. Two additional charges can be provided by their charging case. That means that Beats Studio Buds give up to 24 hours of combined playback.
    • With active noise cancelling
    • With Class 1 Bluetooth® technology, offer extended wireless range and fewer dropouts
    • IPX4-rated sweat and water resistant wireless earbuds
  • OFFER 2
    Marco Polo Hongkong Hotel 26 hours Staycation Package (worth HK$1,000)
    • Deluxe Harbour View Room (Applicable to Sunday to Thursday, except 3-4 April & 8 May) or Continental Deluxe Room (Applicable to Friday to Saturday & 3-4 April & 8 May)
    • Complimentary Early Check-in Time: 13:00 and Late Check-out Time: 15:00
    • A complimentary birthday cake or anniversary cake as per guest request
  • OFFER 3
    HK$1,000 Apple Store Gift Card
    • You can purchase Apple hardware and accessories (include but not limited to iPhone, iPad and AirPods) at Hong Kong Apple Stores and Apple.com with Apple Store Gift Card.
    • Apple Store Gift Card will be distributed via email.
    • To use Apple Store Gift Card, you are required to provide the PIN number of Apple Store Gift Card to the staff at Apple Store. You can also input the PIN number when you check out at Apple.com.
    • Terms and conditions apply. For more details, please visit Apple.com.

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

    • From 18 November 12:01 p.m. to 6 December 2021 12:00 noon, new cardholders of Standard Chartered Credit Card who successfully apply for Standard Chartered Smart Credit Card via MoneyHero are entitled to enjoy MoneyHero Exclusive Top-Up Offer - a set of Beats Studio Buds – True Wireless Noise Cancelling Earphones (random colour; worth HK$1,249) OR a Marco Polo Hongkong Hotel 26 hours Staycation Package (worth HK$1,000) OR HK$1,000 Apple Store Gift Card.
    • 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.
    • The card must be approved by Standard Chartered on or before 31 January 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$2,000 CashBack (HK$1,000 CashBack for Tier 1 + Up to HK$1,000 CashBack for Tier 2)
  • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Smart Credit Card application through online channel from 1 October to 30 December 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.

Tier 1: HK$1,000 CashBack

    • New Cardholders have accumulated Eligible Transactions of HK$4,000 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.
    • 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.

Tier 2: 2.5% CashBack (maximum of HK$1,000 CashBack

    • Upon having satisfied the accumulated Eligible Transactions requirement under the Tier 1 Welcome Offer, New Cardholders will be entitled to 2.5% CashBack on the amount of Eligible Transactions made in excess of HK$4,000 within the first 4 months from the date of card issuance, subject to a maximum of HK$1,000 CashBack.
MoneyHero Extra Offer: 0% interest of Instalment Credit Program; Limited-Time Offer: 8% CashBack on spending at HKTVmall; 5% CashBack on selected merchants like DON DON DONKI and PARKnSHOP; Perpetual annual fee waiver
Please turn off AdBlocker and private mode before application.
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 a set of Beats Studio Buds – True Wireless Noise Cancelling Earphones (random colour; worth HK$1,249) OR a Marco Polo Hongkong Hotel 26 hours Staycation Package (worth HK$1,000) OR HK$1,000 Apple Store Gift Card by fulfilling the following requirements:
    Important Dates Requirements
    18 November 2021 12:01 p.m. to 6 December 2021 12:00 noon New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero are entitled to MoneyHero Limited-Time Exclusive Offer.
    Within 7 days of receiving the form Submit the reward redemption form sent via email previously.
    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.
    On or before 31 January 2022 The card must be approved by Standard Chartered, subject to the Bank’ system records.
    • 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.
      • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
  • MoneyHero Extra Offer - 0% interest of Instalment Credit Program
    • From now till 30 December 2021, new Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Card via MoneyHero, and have registered the card after card approval, can enjoy 0% interest of Instalment with tenor of 6-month.
    • Loan amount of up to HK$100,000
    • Standard Chartered will reach out to eligible customers for the details of the offer after registration.
  • Welcome Offer - Up to HK$2,000 CashBack
    Requirements CashBack
    Welcome Offer - Tier 1
    New Cardholders have accumulated Eligible Transactions of HK$4,000 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 be entitled to 2.5% CashBack on the amount of Eligible Transactions made in excess of HK$4,000 within the first 4 months from the date of card issuance
    Up to HK$1,000 CashBack
    (2.5% CashBack)
      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.
  • A must-have card for household spending: enjoy 8% CashBack on spending at HKTVmall; 5% CashBack when you spend at selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE
    • Enjoy 8% CashBack on HKTVmall spending
      • No registration or minimum spending required.
      • The cap of 8% CashBack earned within the promotion period is HK$800. (You will reach the cap when you spend HK$10,000 at HKTVmall.)
    • Enjoy 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 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.
  • The promotion period of 8% at HKTVmall & 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. 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

Isn't the best product for you?

Compare more credit cards on MoneyHero