Best Standard Chartered Credit Card in Hong Kong 2026: Latest Offers & Cashback Rewards
Updated: 31 Dec 2025
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Standard Chartered Cathay Mastercard - Priority Private | HK$4,980 | HK$96,000 | $2 - 6 per mile | HK$8,000 | ||
 | Standard Chartered Cathay Mastercard - Priority Banking | HK$4,980 | HK$96,000 | $2 - 6 per mile | HK$4,000 | ||
 | Standard Chartered Cathay Mastercard | HK$4,980 | HK$96,000 | Up to $2 - 6 per mile | HK$2,000 | ||
 | Standard Chartered Smart Credit Card | HK$5,980 | HK$96,000 | 0.5 - 5 % | Perpetual Annual Fee Waiver |
Introduction to Standard Chartered Bank
Standard Chartered Bank has a long-standing presence in Hong Kong, with over 160 years of history. It is one of the city’s leading international banks. Beyond daily banking services, Standard Chartered is also a major player in the local credit card market, offering a range of products tailored to lifestyle, travel, online shopping, and financial management. Highlights include high cashback rates, generous welcome gifts, and auto-conversion of reward points to Asia Miles, catering to users with diverse financial goals.
Standard Chartered Credit Card Recommendations
Highest Cashback
Among Standard Chartered credit cards, the Smart Card stands out for its clear and effortless high cashback structure — no registration required. Cardholders can enjoy up to 5% cashback at a wide range of popular everyday merchants, such as 759 Store, Watsons, Circle K, Japan Home Centre, PARKnSHOP, and Deliveroo, which are ideal for those who regularly shop at supermarkets and convenience stores. As long as you spend HK$2,000 or more per statement period, you’ll automatically enjoy the highest cashback rate. With a lifetime annual fee waiver, this is a flexible and rewarding card for daily spending without any requirement for complex registration and category selection.
Highest Cashback
- Installment
- No foreign txn fee
- Local spending rebate
- Annual Fee waiver
- Welcome offer of up to HK$1,000 cashback
- Enjoy up to 5% CashBack* year-round at Designated Merchants, applicable to both online and offline spending (HK$1 CashBack for every HK$20 spent).
- Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
- Beauty & Health care: Watsons, Sasa
- Food and beverage: McDonald’s Hong Kong, Foodpanda
- Sport & Entertainment: Klook
- Digital Lifestyle: China Mobile Hong Kong and s/ash
- All spending at selected merchants is eligible for 5% cashback throughout the year
- A minimum of HK$4,000 eligible spending per month is required; otherwise, no cashback will be earned for that month
- Agoda hotel offer: Standard Chartered cardholders can enjoy up to 7% off global hotel bookings
- 1.95% foreign transaction fee waiver: No extra fee for overseas or online foreign currency spending
- No cash advance service fee
- Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
- Perpetual annual fee waiver
-
Extra CashBack Basic CashBack Total CashBack# Monthly Eligible Spending* CashBack for Eligible Transactions made at Designated Merchants Spending Cap per Monthly Statement Cycle CashBack for Eligible Transactions Spending Cap per Monthly Statement Cycle HKD 4,000 to HKD 14,999 4.44% HKD5,000^ 0.56% No Cap 5% HKD 15,000 3.80% 1.2% 5% - 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.
- 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!
Best for Miles
For those who want to turn everyday spending into air miles, the Standard Chartered Cathay Mastercard® is a top-tier credit card choice for travel. Specifically designed for Asia Miles collectors, this card offers automatic monthly conversion of eligible spending into Asia Miles, with no handling fees. Earn HK$2 = 1 mile for eligible spending at Cathay Pacific and HK Express, and HK$4 = 1 mile on dining, hotel bookings, and overseas purchases. It’s especially useful for frequent flyers and international shoppers. Enjoy up to 100,000 Asia Miles as the welcome offer (depending on the card category and spending requirement), with premium versions of the card offering perks like airport transfers, dining benefits, and concierge services for an upgraded travel experience.
Best for Miles
- Welcome offer: Air miles
- Air miles conversion
- Hotel bookings offer
- Overseas rebate
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express#
- #Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000.
- HK$4 = 1 Asia Mile for eligible spending on dining, hotels and overseas spending categories
- HK$6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars
10% discount on Asia Miles Awards redemption
- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
First-year annual fee waiver
- New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.
Other things to note
- 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.
- Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
- An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
- For more information, please refer to here.
- Welcome offer: Air miles
- Priority Pass
- Airport lounge
- Air miles conversion
Cathay Travel Privileges
- Up to 100,000 Miles (as low as HKD0.5 = 1 Mile), Accumulated Eligible Transactions of HKD5,000 = 10,000 Miles
- Cathay Pacific Business Class Lounge Access 4 times per year, sharable to your travel companion or redemption group nominee
- Check-in at the Premium Economy Class counters and enjoy the same priority boarding services for Premium Economy Class passengers
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express#
- #Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
- HK$3 = 1 Asia Mile for eligible spending on overseas category
- HK$4 = 1 Asia Mile for eligible spending on dining and hotels spending categories
- HK$6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars
10% discount on Asia Miles Awards redemption
- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Annual fee waiver when you become a Priority Banking client and fulfill relevant requirements
- Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date.
Other things to note
-
"New Standard Chartered clients" refer to those who must fulfill the requirements of both "New cardholders" and "New banking clients" simultaneously as listed below:
- "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.
- "New Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.
- To enjoy the full benefits of Standard Chartered Cathay Mastercard - Priority Banking, cardholder is required to be an existing Priority Banking client or a New Banking Client who signs up for Priority Banking upon card application. The cardholder is also required to maintain HK$1,000,000 or above Average Daily Relationship Balance starting from the second calendar month from card issuance date.
- Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
- No annual fee will be refunded if the card is terminated. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid.
- Offers are subject to Terms and conditions
- An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
- Welcome offer: Air miles
- Airport lounge
- Air ticket rebate
- Air miles conversion
Cathay Travel Privileges
- Up to 120,000 Miles (as low as HKD0.5 = 1 Mile), accumulated Eligible Transactions of HKD5,000 = 10,000 Miles
- 2 times Cathay Pacific First class and 8 times Business class lounge passes per year, sharable to your travel companion or Redemption Group members
- Check-in at the Business Class counters and enjoy the same priority boarding services for Business Class passengers
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
- Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
- HK$2 = 1 Asia Mile for eligible spending on overseas category
- HK$4 = 1 Asia Mile for eligible spending on dining and hotels spending categories
- HK$6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars
Exclusive Privé Privileges
- Access to Priority Private concierge, gourmet privileges, exclusive benefits with Standard Chartered global luxury hotel partners and Airport Limousine Programme
10% discount on Asia Miles Awards redemption
- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Annual fee waiver when you become a Priority Private client and fulfill relevant requirements
- Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date.
Other things to note
- "New Standard Chartered clients" refer to those who must fulfill the requirements of both "New cardholders" and "New banking clients" simultaneously as listed below:
- "New Cardholders" are applicants who do not currently hold and have not canceled 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.
- "New Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third-party insurer) in the past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.
- To enjoy the full benefits of Standard Chartered Cathay Mastercard - Priority Private, cardholder is required to be an existing Priority Private client or a New Banking Client who signs up for Priority Private upon card application. The cardholder is also required to maintain HK$8,000,000 or above Average Daily Relationship Balance starting from the second calendar month from card issuance date.
- Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
- No annual fee will be refunded if the card is terminated. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid.
- Offers are subject to Terms and conditions
- An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
Lowest Entry Requirement
The Simply Cash Visa Card is a simple and accessible option for those who prefer straightforward money management without complex rewards programmes. With a minimum annual income requirement as low as HK$96,000, it’s one of the more accessible credit cards on the market. Enjoy 1.5% cashback on local spending and 2% on overseas transactions, with no caps or category restrictions. The card is annual fee-free for the first year (HK$2,000 thereafter) and is part of the Visa Signature network, making it suitable for frequent travellers or those who prefer fuss-free cashback.
Reward Points System
Standard Chartered’s reward programme, known as “360° Rewards”, applies to select cards like the Manhattan card and older cashback cards. Cardholders can earn points through spending and redeem them for cash vouchers, gifts, electronics, travel perks, and more. Many credit cards allow conversion of points to miles, such as 25,000 points for 1,000 Asia Miles (HK$300 handling fee per redemption). Redemptions must be in multiples of 1,000 miles.
Points are valid for three years, after which they expire automatically. Users can log into online banking to view the expiry date by clicking on the credit card management option. Please note that cashback cards like the Smart Credit Card and Simply Cash Visa Card are not eligible for the points system. Instead, cashback is manually redeemed through the “360° Rewards” platform and is not automatically credited to your card account.
How to Apply for Instalment Plans
Standard Chartered credit card holders can convert large transactions into instalments using the following steps:
-
Log in to online banking or the SC Mobile App, go to the "Credit Card" section, and select "Instalment Plan".
-
Choose the transaction and desired tenure (e.g., 3, 6, 12, 24 months).
-
The system will instantly show your monthly repayment and total interest.
-
Confirm your selection to complete the application. You'll receive an SMS or email confirmation upon approval.
Standard Chartered also regularly offers 0% interest instalment plans and low-interest cash advance promotions. Be sure to consider your repayment ability and check the APR before applying.
FAQs
Smart Visa Card holders earn 5% cashback at selected merchants like Klook, Deliveroo, Watsons, Circle K, PARKnSHOP, and Japan Home Centre — no registration required. The system automatically recognises eligible transactions.
Yes. Points under the “360° Rewards” programme are valid for 36 months (3 years). You can check expiry dates in the account overview section of online banking to avoid losing your rewards.
Yes. Eligible cards allow conversion to frequent flyer programmes like Asia Miles. Every 25,000 points is equivalent to 1,000 Asia Miles, with a HK$300 handling fee. Minimum redemption is 1,000 miles. Note: Not all card types support this feature.
Yes. You can transfer points to another principal cardholder under the same rewards programme. The minimum transfer is 10,000 points, with a HK$20 handling fee per 10,000 points. Even if you transfer fewer than 10,000 points, you still need to pay the minimum fee.
For any enquiries, application services and loss reports, please contact the following numbers:
-
General credit card enquiries: 2886 4111
-
Manhattan cardholders: 2881 0888
-
Lost/stolen card reporting: 2282 1533
Prepare your ID and card number for verification.
-
If your annual income is below HK$96,000, you may place a fixed deposit of around HK$60,000 in a Standard Chartered bank account to support your application. In some cases, approval may be granted based on overall financial status.
You can settle your bill using the following methods:
-
Standard Chartered ATMs
-
Online banking
-
SC Mobile App
-
PPS
-
Autopay
-
Mailing a cheque to "Standard Chartered Bank (Hong Kong) Limited"
-
Asia Miles can be used for flight tickets (short-haul and long-haul), hotel stays, travel packages, dining experiences, and even concert tickets. Flights remain one of the most popular redemption options, with the required miles depending on the destination and travel date.
Yes. The 5% cashback applies per statement period, with a cap. You can earn up to HK$250 cashback monthly on eligible spending capped at HK$5,000 per cycle. Spending beyond this cap won’t earn additional cashback. Plan your spending monthly to optimise your rewards.
MoneyHero evaluates credit cards based on annual fees, interest rates, cashback/mileage rates, welcome bonuses, and ease of redemption. We also regularly update our card rankings based on market trends to ensure objective, up-to-date recommendations tailored to real consumer needs.
Get more smart financial tips
Subscribe now and we'll send you the most relevant financial articles and other practical methods to your email to help you manage your wealth more effectively.