Complete guide to buying the iPhone 15 in 2023

MoneyHero Limited-Time Exclusive Offer

• New Standard Chartered Credit Card Customers get rewarded with HK$1,200 HKTVmall e-Gift Voucher or HK$1,200 Apple Store Gift Card by fulfilling the following requirements:

• 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.

Welcome Offer

• The CashBack from Welcome Offer will be credited within 4 months after card issuance

• 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.

8% CashBack at PARKnSHOP (from 1 November 2023 to 31 December 2023)

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

• No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.

[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.

  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

• 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 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.

• The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Smart Credit Card application through online channel from 28 September 2023 to 8 January 2024 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.
• New Cardholders have accumulated Eligible Transactions of HK$4,000 or above with the newly approved Smart Card within the first 1 month from the date of issuance will be rewarded HK$1,200 CashBack.
• 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.

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MoneyHero Limited-Time Exclusive Offer

• New Citi Credit Card Customers receive Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (Random Color; valued at HK$4,280) / Marshall Stanmore II Bluetooth Speaker (valued at HK$3,499) / BRUNO BOE053 Oval Hot Plate (Random Color; valued at HK$1,599) / HK$1,600 Apple Store Gift Card OR Wellcome Shopping Voucher exclusively from MoneyHero when they spend a designated amount and fulfill the following requirements:

• Tips:
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure reward eligibility
  • Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).
  • 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.
  • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card, Citi Premier Miles Card & Citi Prestige Card; not applicable to student cards.
  • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.

• 2% rebate on local dining spending
• 2% rebate on local hotel spending
• 2% rebate on spending in foreign currency
• 1% unlimited rebate on other spending
• Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.

• Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.

[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.

  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

• Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.

MoneyHero Limited-Time Exclusive Offer

• New Standard Chartered Credit Card Customers get rewarded with HK$1,000 HKTVmall e-Gift Voucher OR HK$1,000 Apple Store Gift Card OR HK$1,000 hutchgo e-Voucher by fulfilling the following requirements:

• 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.

Welcome Offer - Up to 60,000 Asia Miles

From 28 September 2023 to 8 January 2024 (both dates inclusive), new cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to 60,000 Asia Miles.

Winter Special Offer - Extra 3,000 Asia Miles

New Standard Chartered Bank cardholders who spend HK$5,000 accumulated spending within first 2 months upon card issuance can enjoy extra 3,000 Asia Miles.

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 2023 and 31 December 2023.
• HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

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.

Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings

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.

Offers are subject to Terms and conditions.

[MMPOWER Card Super Deal] Enjoy totaling of up to $2,800 +FUN Dollars

• Everyday +FUN Dollars - 5% +FUN Dollars Rebate, up to $800 +FUN Dollars each month
  • Starting from 1 Jun to 31 Dec 2023, you can get 5% +FUN Dollars in your selected spending categories (2 out of 5) by successfully registering for Everyday +FUN Dollars
    • Mobile Payment
    • Dining (dine-in and takeaway spending at restaurant outlets)
    • Travel and foreign currency (hotels, airlines, travel agencies, and more)
    • Electronics
    • Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spending, and more)
• Notebook Program Reward - Earn up to HK$1,200 +FUN Dollars
  • Earn extra 5% +FUN Dollars after successful registration on “U-Mac Program” and/or “Notebook Ownership Program” with the designated amount of spending

Welcome Offer - Up to $1,300 +FUN Dollars

• Successfully apply Hase Seng MMPOWER World Mastercard, and make HK$5,000 eligible spending within 60 days, can enjoy the following welcome offer:

  New Customers	Existing Customers
  $700 +FUN Dollars; OR 10 MCL Cinemas movie tickets	$300 +FUN Dollars; OR 5 MCL Cinemas movie tickets

• Full-Time Student who has accumulated spending of HK$2,000 or above within the first 60 days from the date of card issuance is entitled to get $300 +FUN Dollars or 5 MCL Cinemas movie tickets.
• Open with a Preferred Banking Account to get extra $100 +FUN Dollars

• Online handling fee waiver
• Add $1 +FUN Dollars to redeem 1 more movie ticket
• Free small popcorn
• 10% off regular-priced movie tickets

• Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.

• From now till 30 September, enjoy Gaia Group exclusive dining offers when you spend with your Hang Seng MMPOWER World Mastercard, including 50% off for Liu's Chong Qing Hot Pot and Nami Izakaya set meal.