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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.
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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
1.95  %
3 Offers Available
HK$1,200 Apple Store Gift Card
Moneyhero Exclusive Offer
HK$1,200 Apple Store Gift Card

+ 2 other gift options

  • New Standard Chartered Credit Card Customers get rewarded with HK$1,200 HKTVmall e-Gift Voucher OR HK$1,200 Apple Store Gift Card OR HK$1,200 Deliveroo Cash Vouchers by fulfilling the following requirements:
    • From 31 January 2024 12 noon to 29 February 2024 12 noon: 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 March 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 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.
HK$1,500 Cash Reward
Welcome Offer
HK$1,500 Cash Reward

+ 1 other gift options

  • From now till 3 April 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
  • Till 29 February 2024, new Cardholders accumulated Eligible Transactions of HK$4,000 or above with the newly approved Smart Card within the first month from the date of issuance, can get extra HKD300 CashBack (Winter Extra Welcome Offer)
  • The CashBack from Welcome Offer will be credited within 4 months after card issuance
6 Month Deliveroo Plus Silver Member
MoneyHero x Deliveroo Promotion
6 Month Deliveroo Plus Silver Member

[MoneyHero x Deliveroo Special Offer]

  • Apply for a credit card through MoneyHero and enjoy a 6-month Deliveroo Plus Silver membership for FREE, whether your credit card application is approved or not! Receive the redemption promo code two weeks after your application.More details
    • Benefits for Deliveroo Plus Silver Member:

    • Unlimited free delivery : free delivery on all orders over HK$250
    • Unlock discounts from Deliveroo Plus Rewards: Order over HK$150 from the same restaurant three times & get HK$85 off on the fourth order. Place your order from over 1,000 selected partners including but not limited to NOC Coffee, KFC, Shake Shack & more!
    • Up to 25% off Pickup: No minimum charge! Skip the line & save on your waiting time. Enjoy up to 25% off selected restaurants with Pickup

    More Details

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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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  %
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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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Cashback Local Online Shopping
0.55  %
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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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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.
    • 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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Eligibility

Eligibility

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

Fees

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

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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Others

Association

VISA Signature

Tags

Standard Chartered Smart Credit Card Standard Chartered Smart Credit Card