訂閱電郵
你訂閱咗未?立即輸入電郵!
你將會獲得:
✅最新優惠(包括限時獨家優惠)
✅定期追蹤貸款產品消息
✅理財小tips

本人同意 條款及細則 以及同意按 私隱政策 接受推廣資訊。

同意訂閱
訂閱成功!準備隨時接收精彩理財熱話與金融產品優惠!

Complete guide to buying the iPhone 15 in 2023

Luggage on Twitter Twemoji 14.0  經本網申請恒生enJoy卡,簽HK$1,000獨家送你DELSEY行李喼(價值:HK$2,480)!
 |Posted by MoneyHero
iPhone 15 Buyer's Guide

Looking to get the newest iPhone 15? Read all about the features and release dates by MoneyHero first, you might save a pretty penny or two.

 

 經本網申請恒生enJoy卡,簽HK$1,000獨家送你DELSEY行李喼(價值:HK$2,480)!    前往官網-Apply Now

Introduction

 
The September launch of Apple products is a much anticipated event every year. This is when Apple usually unveils its newest flagship iPhone. This year, it is expected that the new product lineup will include the iPhone 15 series.
 
If you're planning to get your hands on one of the new models, MoneyHero is here to help. We will guide you through all the expected upgrades, rumours and how you can get the newest model with the least.

💳  What iPhone models are available right now?

 

After the press conference on 12 September 2023 and the announcement of iPhone 15 series, these are the available iPhone models in Apple Stores.

iPhone 15 Series
iPhone 14 Series iPhone 13 Series iPhone SE
iPhone 15 iPhone 14 iPhone 13 iPhone SE
iPhone 15 Plus iPhone 14 Plus iPhone 13 mini
iPhone 15 Pro iPhone 14 Pro iPhone 13 Pro
iPhone 15 Pro Max iPhone 14 Pro Max iPhone 13 Pro Max

 

(iPhone 15 series is available for pre-order from 15 Sep 2023, available for purchase from 22 Sep 2023)
The iPhone 15 starts at HK$6,899, while the cheapest model iPhone SE starts at HK$3,699.

 

💳  iPhone 15: What is new?

 

The iPhone 15 lineup was announced at Apple's Wonderlust event on September 12th, 2023 (PST). As with recent years, the new iPhone was announced to include the iPhone  15, iPhone 15 Plus, iPhone Pro and iPhone Pro Max.
 
 
With the new update, now all iPhone 15 models feature the dynamic island design and will use USB-C as it's charging port. iPhone 15 and iPhone 15 Pro models all had updates on their cameras, with the Pro models getting the capability to capture 3D videos for use on Vision Pro. 

iPhone 15 Changes iPhone 15 Pro規格變化
  1. Dynamic Island design
  2. Main camera upgraded to 48MP 
  3. A16 Bionic chip
  4. Charging port changed from Lightning to a USB-C port
  5. ake portraits without having to switch to Portrait mode

iPhone 15規格
(Image credit: Apple)

  1. New titanium design makes it the lightest iPhone series ever
  2. A17 Pro chip
  3. Charging port changed from Lightning to a USB-C port
  4. Mute button replaced with a new Action button
  5. Capability to take 3D videos for Vision Pro
  6. No 128GB opton for iPhone 15 Pro Max 
  7. New Telephoto camera on iPhone 15 Pro Max
    iPhone 15 Pro規格

    (Image credit: Apple)

 

 

 

💳  iPhone 15: When is the release date?

 

The iPhone 15s would be available for pre-order from 8pm 15the September 2023 on the Apple website. General sale would be available from 22 September 2023. 

💰  iPhone 15: What is the price?

Despite rumours, there is no price increase for the iPhone 15 series.

 

  iPhone 15 iPhone 15 Plus iPhone 15 Pro iPhone 15 Pro Max
128GB HK$6,899 HK$7,699 HK$8,599 -
256GB HK$7,699 HK$8,499 HK$9,399 HK$10,199
512GB HK$9,399 HK$10,199 HK$11,099 HK$11,899
1TB - - HK$12,799 HK$13,599

 

💳  iPhone 15: Getting ready to buy


With the increase in pricing, a new iPhone this year has a pretty steep price tag. What can you do to bring down the cost of a phone? MoneyHero is here to help.

💳  Sell / Trade-in your old phone


Apple has its own trade in programme that lets you recycle any Apple device. Eligible models could be traded-in for credit that could be used towards your next purchase. The value could be used immediately or given to you in an Apple Gift Card to use later. 

For reference, this is what you could get if you traded-in an iPhone 13 today:

Model Estimated Trade-in Value 
(dependent on device condition)
iPhone 13 up to HK$3,550
iPhone 13 Mini up to HK$2,950
iPhone 13 Pro up to HK$5,000
iPhone 13 Pro Max up to HK$5,500

 

💳  Buying at the Apple Store


If you plan to make your purchase at the Apple Store, make sure you use the following tactics to help lower your over-all out of pocket costs for a new phone.

Leverage credit card welcome offers

Many credit card offers bountiful welcome offers at a spending threshold of HK$8,000 or less, which you can easily reach by buying a new iPhone. 

Standard Chartered Smart Credit Card

 

Although the Standard Chartered's Smart Credit Card only has a humble 0.55% cash back rebate for it's regular spending, it does boast a generous welcome offer. All new Standard Chartered Credit Card customers could get HK$1,200 cashback upon spending HK$4,000 of eligible transactions, plus there is no annual fee for this card. There are even more rewards if you apply through MoneyHero!

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Welcome Offer - Cashback Rate

30
%
calculation based on HK$1,200 CashBack for HK$4,000 spending

Annual Fee

Perpetually waived

Rewards

[Till 2 January 12 noon] New Standard Chartered Bank cardholders can enjoy HK$1,200 HKTVmall e-Gift Voucher or HK$1,200 Apple Store Gift Card when you successfully apply via MoneyHero, no spending requirement needed. Plus upgraded welcome offer of HK$1,500 CashBack. Total value at up to HK$2,700! EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!
See More
See Less
Debug data (SizeLimitingPyMap: {market=moneyhero, badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, product_moneyhero={ad_hoc_comparables=[{comparable_label=Annual Fee, comparable_value=<p>Perpetually waived</p>}], comparables=[CASHBACK_WELCOME_OFFER], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product={id=57342100155, table_id=4701663, table_name=product_moneyhero, columns={hs_id=57342100155, hs_child_table_id=0, hs_updated_at=1701338717389, hs_published_at=1701973213942, productid=blt36eba19850e8771d_22_en-hk, data={"__typename":"CreditCard","id":"blt36eba19850e8771d_22_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blte7ce68f759299eab/655acec46f7bf4247682c2ae/SCB_SmartCard_Retouched_cardface-copy.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>[Till 2 January 12 noon]</strong>&nbsp;New Standard Chartered Bank cardholders can enjoy <strong>HK$1,200 HKTVmall e-Gift Voucher or HK$1,200 Apple Store Gift Card</strong>&nbsp;when you successfully apply via MoneyHero, no spending requirement needed. Plus upgraded welcome offer of HK$1,500 CashBack. <strong>Total value at up to&nbsp;HK$2,700! </strong><span><strong>EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!</strong></span>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt36662e7af6b2c02c/65546af09f2b993e14bc9e81/20231103-[CC]-SCB-CC-Nov-Campaign-D-PJ23_0762-Campaign_Top-up-offer_Static-banner_EN_V2_OP.jpg","description":null,"dimension":{"width":"1600","height":"400"}},"countdown":{"text":"Offer ends soon!","displayProductPage":false,"date":{"startDate":"2022-08-17T02:52:44.000Z","endDate":"2023-03-17T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"on designated stores spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":-30000,"displayValue":"30","tooltip":null,"description":"calculation based on HK$1,200 CashBack for HK$4,000 spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-56000,"displayValue":"56","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":96000000,"displayValue":"96,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":-9007199254740990,"displayValue":"NULL_TEXT_NO_ANNUAL_FEE","tooltip":null,"description":"","prefix":"","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvc3RjaC1zbWFydC1jYy1lbi1ycA.jSZZJm-96TskbluvNe2_Uxl0fnN4kZBfWaGgCg43eEl9OqEYENt9b3ZMKApX-xkMj9gmWF03K2MQQDgYyzYgDw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-smart-credit-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"standard-chartered","providerName":"Standard Chartered"},"description":{"shortDescription":["Year round offers: 5% CashBack at designated merchants like HKTVmall, PARKnSHOP and Klook and more","Up to 7% off on global hotels bookings"]},"productName":"Standard Chartered Smart Credit Card","title":"HK.CC.STCH0005.STANDARDCHARTEREDSMARTCREDITCARD","features":{"title":"Features","pros":["<p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> \t<li>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:</li> </ul> <table style=\"height:307px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:46.9486%\"><strong>Important Dates</strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:51.8732%\"><strong>Requirements</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:46.9486%\"> \t\t\t<p>From 30&nbsp;November 2023 12 noon to 2&nbsp;January 2024 12 noon</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:51.8732%\"> \t\t\t<p>New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:46.9486%\">Within 7 days of receiving the form</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:51.8732%\">Submit the reward redemption form sent via email previously.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">On or before 31 January 2024</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">The card must be approved by Standard Chartered, subject to the Bank&rsquo;s system records.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">Within 7 days of receiving approval</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">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.</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Tips: \t<ul> \t\t<li>Please submit the reward redemption form sent via email previously within 7 days of receiving the form.</li> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t\t<li>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&#39;t forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.</li> \t\t<li>MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.</li> \t\t<li><a href=\"https://moneyhero.link/cc-scb-smart-tnc-listing\" target=\"blank\">Terms and Conditions</a> Apply.</li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer</strong></p> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 65%;\" width=\"65%\"><strong>Requirements </strong></td> <td style=\"text-align: center; height: 50px; width: 34.5708%;\"><strong>CashBack</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 65%;\">From 28 September 2023 till 8 January 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</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 34.5708%;\">HK$1,200 OR Two Lounge Pass to Plaza Premium First Hong Kong + Winter Special Offer HK$300 CashBack</td> </tr> </tbody> </table> <ul> <li>The CashBack from Welcome Offer will be credited within 4 months after card issuance</li> </ul>","<strong>3-months unlimited interest-free instalment plan - you can have more flexibility based on your personal financial situation.</strong> <ul> <li>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.</li> <li>Note: Standard Chartered will reverse HK$1 CashBack on the「360&deg; 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&deg; Rewards」Redemption Platform for deduction, a negative balance will be displayed.</li> </ul>","<p><strong>8% CashBack at PARKnSHOP (from 1 November 2023 to 31 December 2023)</strong></p> <p><strong>Year round offers: 5% CashBack at designated merchants like HKTVmall and Klook and more</strong></p> <ul> <li>Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent). <ul> <li>From 2023 onwards, JHC will be added as a designated merchant</li> <li>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.</li> <li>Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.</li> <li>No minimum spending requirement.</li> <li>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.)</li> </ul> </li> <li>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.</li> </ul>","<p><strong>Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings</strong></p>","<strong>Perpetual annual fee waiver</strong>","<strong>No foreign transaction fee</strong> <ul> <li>No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.</li> </ul>","<strong>No cash advance fees</strong>","<p><strong>[MoneyHero x Deliveroo Special Offer]</strong><p><ul><li>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.<ul> <p>Benefits for Deliveroo Plus Silver Member:<li>Unlimited free delivery : free delivery on all orders over HK$250<li>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!<li>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</p></ul> <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24141255772569\">More details</a></ul>"],"cons":["<strong>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.</strong> <ul> <li>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.</li> </ul>","Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants","<strong>You are required to redeem CashBack through the 360&deg; Rewards Redemption Platform.</strong> <ul> <li>The CashBack earned will be shown on the 360&deg; Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.</li> <li>Cardholders are required to redeem CashBack through the platform.</li> <li>The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.</li> </ul>","Terms and conditions apply. Please refer to Standard Chartered website for credit card details.<br>To borrow or not to borrow? Borrow only if you can repay!"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"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","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"35.7%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"37.13%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"Up to 56 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"Perpetual Annual Fee Waiver","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"Waived","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[{"title":"HK$1,200 CashBack","tandc":{"shortDescription":null,"longDescrition":"<ul><li>The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Smart Credit Card application through online channel from&nbsp;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.</li><li>Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details.</li><li>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.</li><li>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.</li></ul><ul><ul><ul><ul></ul></ul></ul></ul>"}}]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1669950672179, hs_is_edited=false, hs_deleted_at=0, productname=Standard Chartered Smart Credit Card, hs_name=, hs_updated_by_user_id=60412388}}, reorder_comparables=[]}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, tabs={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, type=module, promotional={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}}) null (SizeLimitingPyMap: {id=57342100155, table_id=4701663, table_name=product_moneyhero, columns={hs_id=57342100155, hs_child_table_id=0, hs_updated_at=1701338717389, hs_published_at=1701973213942, productid=blt36eba19850e8771d_22_en-hk, data={"__typename":"CreditCard","id":"blt36eba19850e8771d_22_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blte7ce68f759299eab/655acec46f7bf4247682c2ae/SCB_SmartCard_Retouched_cardface-copy.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>[Till 2 January 12 noon]</strong>&nbsp;New Standard Chartered Bank cardholders can enjoy <strong>HK$1,200 HKTVmall e-Gift Voucher or HK$1,200 Apple Store Gift Card</strong>&nbsp;when you successfully apply via MoneyHero, no spending requirement needed. Plus upgraded welcome offer of HK$1,500 CashBack. <strong>Total value at up to&nbsp;HK$2,700! </strong><span><strong>EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!</strong></span>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt36662e7af6b2c02c/65546af09f2b993e14bc9e81/20231103-[CC]-SCB-CC-Nov-Campaign-D-PJ23_0762-Campaign_Top-up-offer_Static-banner_EN_V2_OP.jpg","description":null,"dimension":{"width":"1600","height":"400"}},"countdown":{"text":"Offer ends soon!","displayProductPage":false,"date":{"startDate":"2022-08-17T02:52:44.000Z","endDate":"2023-03-17T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"on designated stores spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":-30000,"displayValue":"30","tooltip":null,"description":"calculation based on HK$1,200 CashBack for HK$4,000 spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":-550,"displayValue":"0.55","tooltip":null,"description":"Unlimited 3-month interest free instalment","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-56000,"displayValue":"56","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":96000000,"displayValue":"96,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":-9007199254740990,"displayValue":"NULL_TEXT_NO_ANNUAL_FEE","tooltip":null,"description":"","prefix":"","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvc3RjaC1zbWFydC1jYy1lbi1ycA.jSZZJm-96TskbluvNe2_Uxl0fnN4kZBfWaGgCg43eEl9OqEYENt9b3ZMKApX-xkMj9gmWF03K2MQQDgYyzYgDw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-smart-credit-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"standard-chartered","providerName":"Standard Chartered"},"description":{"shortDescription":["Year round offers: 5% CashBack at designated merchants like HKTVmall, PARKnSHOP and Klook and more","Up to 7% off on global hotels bookings"]},"productName":"Standard Chartered Smart Credit Card","title":"HK.CC.STCH0005.STANDARDCHARTEREDSMARTCREDITCARD","features":{"title":"Features","pros":["<p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> \t<li>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:</li> </ul> <table style=\"height:307px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:46.9486%\"><strong>Important Dates</strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:51.8732%\"><strong>Requirements</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:46.9486%\"> \t\t\t<p>From 30&nbsp;November 2023 12 noon to 2&nbsp;January 2024 12 noon</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:51.8732%\"> \t\t\t<p>New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:46.9486%\">Within 7 days of receiving the form</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:51.8732%\">Submit the reward redemption form sent via email previously.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">On or before 31 January 2024</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">The card must be approved by Standard Chartered, subject to the Bank&rsquo;s system records.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">Within 7 days of receiving approval</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">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.</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Tips: \t<ul> \t\t<li>Please submit the reward redemption form sent via email previously within 7 days of receiving the form.</li> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t\t<li>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&#39;t forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.</li> \t\t<li>MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.</li> \t\t<li><a href=\"https://moneyhero.link/cc-scb-smart-tnc-listing\" target=\"blank\">Terms and Conditions</a> Apply.</li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer</strong></p> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 65%;\" width=\"65%\"><strong>Requirements </strong></td> <td style=\"text-align: center; height: 50px; width: 34.5708%;\"><strong>CashBack</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 65%;\">From 28 September 2023 till 8 January 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</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 34.5708%;\">HK$1,200 OR Two Lounge Pass to Plaza Premium First Hong Kong + Winter Special Offer HK$300 CashBack</td> </tr> </tbody> </table> <ul> <li>The CashBack from Welcome Offer will be credited within 4 months after card issuance</li> </ul>","<strong>3-months unlimited interest-free instalment plan - you can have more flexibility based on your personal financial situation.</strong> <ul> <li>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.</li> <li>Note: Standard Chartered will reverse HK$1 CashBack on the「360&deg; 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&deg; Rewards」Redemption Platform for deduction, a negative balance will be displayed.</li> </ul>","<p><strong>8% CashBack at PARKnSHOP (from 1 November 2023 to 31 December 2023)</strong></p> <p><strong>Year round offers: 5% CashBack at designated merchants like HKTVmall and Klook and more</strong></p> <ul> <li>Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent). <ul> <li>From 2023 onwards, JHC will be added as a designated merchant</li> <li>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.</li> <li>Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.</li> <li>No minimum spending requirement.</li> <li>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.)</li> </ul> </li> <li>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.</li> </ul>","<p><strong>Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings</strong></p>","<strong>Perpetual annual fee waiver</strong>","<strong>No foreign transaction fee</strong> <ul> <li>No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.</li> </ul>","<strong>No cash advance fees</strong>","<p><strong>[MoneyHero x Deliveroo Special Offer]</strong><p><ul><li>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.<ul> <p>Benefits for Deliveroo Plus Silver Member:<li>Unlimited free delivery : free delivery on all orders over HK$250<li>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!<li>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</p></ul> <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24141255772569\">More details</a></ul>"],"cons":["<strong>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.</strong> <ul> <li>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.</li> </ul>","Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants","<strong>You are required to redeem CashBack through the 360&deg; Rewards Redemption Platform.</strong> <ul> <li>The CashBack earned will be shown on the 360&deg; Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.</li> <li>Cardholders are required to redeem CashBack through the platform.</li> <li>The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.</li> </ul>","Terms and conditions apply. Please refer to Standard Chartered website for credit card details.<br>To borrow or not to borrow? Borrow only if you can repay!"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"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","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"35.7%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"37.13%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"Up to 56 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"Perpetual Annual Fee Waiver","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"Waived","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[{"title":"HK$1,200 CashBack","tandc":{"shortDescription":null,"longDescrition":"<ul><li>The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Smart Credit Card application through online channel from&nbsp;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.</li><li>Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details.</li><li>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.</li><li>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.</li></ul><ul><ul><ul><ul></ul></ul></ul></ul>"}}]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1669950672179, hs_is_edited=false, hs_deleted_at=0, productname=Standard Chartered Smart Credit Card, hs_name=, hs_updated_by_user_id=60412388}})

Citi Cash Back Card

 

The Citi Cash Back Card boasts a 1% unlimited cash back rebate for any local purchases and if you apply through us, you can get HK$1,800 Apple Gift Card upon spending HK$2,000 with your new card within 30 days of approval.

Citi Cash Back Card

Citi Cash Back Card

Welcome Offer

MoneyHero exclusive
HK$1,800 Apple Gift Card

Annual Fee

First year waived

Rewards

[Till 2 January 6 p.m.] Get rewarded with 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 with a designated amount of spending. EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!

See More
See Less
Debug data (SizeLimitingPyMap: {market=moneyhero, badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, product_moneyhero={ad_hoc_comparables=[{comparable_label=Welcome Offer, comparable_value=<p>MoneyHero exclusive<br>HK$1,800 Apple Gift Card</p>}, {comparable_label=Annual Fee, comparable_value=<p style="font-size: 14px;">First year waived</p>}], comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product={id=57342099961, table_id=4701663, table_name=product_moneyhero, columns={hs_id=57342099961, hs_child_table_id=0, hs_updated_at=1701403487544, hs_published_at=1701973213942, productid=blt6709784da7ee8f75_31_en-hk, data={"__typename":"CreditCard","id":"blt6709784da7ee8f75_31_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt954c462bdafa413a/5e7dad30a65b970bc593e59d/CITICASHBACKMASTERCARD.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>[Till 2 January 6 p.m.] </strong>Get rewarded with <strong>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</strong> exclusively from MoneyHero with a designated amount of spending.<strong> EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!</strong><p><strong></strong>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt51e65ee9daad3b66/65682f560a03ade1c339bca6/20231130_[CC]_Citi_CC_-_Dec_2023_Campaign_D-PJ23_0817_Campaign-V01_Static_Banner_EN_(1600_x_400)_1.jpg","description":null,"dimension":{"width":"1600","height":"400"}},"countdown":{"text":"Extra AirPods3 Offer! Ends in","displayProductPage":false,"date":{"startDate":null,"endDate":"2023-05-22T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":-1000,"displayValue":"1","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on local dining and local hotel spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on local dining and local hotel spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":-1000,"displayValue":"1","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on foreign currency online spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on overseas spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":1950,"displayValue":"1.95","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-58000,"displayValue":"58","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-250000,"displayValue":"250","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":120000000,"displayValue":"120,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":1800000,"displayValue":"1,800","tooltip":null,"description":"","prefix":"$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaLmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1jYXNoLWJhY2stY2MtZW4tcnA.lxNiOTUqZqTqZM8xkQUx7XFaHAvH09vtqYJW0kBI_MWs-jN8V7pjedI83k1U9lvg4_oYJtMje50oQuTgi82fCg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-cash-back-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"Citibank"},"description":{"shortDescription":["2% rebate for local dining, local hotel spending and foreign currency spending with no cap","Free Purchase Protection Insurance"]},"productName":"Citi Cash Back Card","title":"HK.CC.CITI0018.CITICASHBACKCARD","features":{"title":"Features","pros":["<strong>Most suitable for customer who has big spending in short period</strong>"," <p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> <li>New Citi Credit Card Customers receive <strong> 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</strong> exclusively from MoneyHero when they spend a designated amount and fulfill the following requirements:</li> </ul> <table style=\"width: 100%; height: 186px;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"width: 46.2445%; text-align: center; height: 26px;\"><strong>Important Dates</strong></td> <td style=\"width: 52.5773%; text-align: center; height: 26px;\"><strong>Requirements</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 46px;\">From 30 November 2023 6 p.m. to 2 January 2024 6 p.m.</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 46px;\">New Citi Credit Card Customers who successfully apply for the Designated Card via MoneyHero.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 46px;\">Within 7 days of receiving the form</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 46px;\">Submit the reward redemption form sent via email previously.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 50px;\">On or before 1 February 2024</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 50px;\">The card must be approved by Citibank. You are required to activate the card.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 18px;\">Within 30 days upon card approval</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 18px;\">Make a minimum spend of HK$2,000 with the card (PayMe top-up/Alipay/WeChat Pay included)</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"&rdquo;_blank&rdquo;\">3 settings to ensure reward eligibility</a></li> <li>Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).</li> <li>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.</li> <li>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.</li> <li>If you have concerns regarding the redemption process, please refer to the <a href=\"https://moneyhero.link/cc-citi-cashback-rewards-pm-prestige-tnc-listing\" target=\"_blank\" rel=\"noopener\">Terms and Conditions</a>.</li> </ul> </li> </ul>","<strong>Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.</strong> <ul> <li>2% rebate on local dining spending</li> <li>2% rebate on local hotel spending</li> <li>2% rebate on spending in foreign currency</li> <li>1% unlimited rebate on other spending</li> <li>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.</li> </ul>","<strong>Purchase Protection Insurance</strong><ul> <li>Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.</li> </ul>","<strong>First year annual fee waiver</strong>","<p><strong>[MoneyHero x Deliveroo Special Offer]</strong><p><ul><li>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.<ul> <p>Benefits for Deliveroo Plus Silver Member:<li>Unlimited free delivery : free delivery on all orders over HK$250<li>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!<li>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</p></ul> <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24141255772569\">More details</a></ul>"],"cons":["This MoneyHero Exclusive Offer does not apply to student cards","Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card (\"New Customer\").","<strong>Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate</strong> <ul> <li>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.</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"120000","description":{"shortDescription":"HK$120,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card \"Quick Cash\" Installment Program and Terms and Conditions for Citi Credit Card \"Flexi-Installment\" Program) (where applicable)","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"HK$300/CNY300/US$40 or the amount of minimum payment due under the last monthly statement, whichever is lower","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"34.28%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"35.81%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"58 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"HK$1,800","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1669950672137, hs_is_edited=false, hs_deleted_at=0, productname=Citi Cash Back Card, hs_name=, hs_updated_by_user_id=60412388}}, reorder_comparables=[]}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, tabs={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, type=module, promotional={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}}) null (SizeLimitingPyMap: {id=57342099961, table_id=4701663, table_name=product_moneyhero, columns={hs_id=57342099961, hs_child_table_id=0, hs_updated_at=1701403487544, hs_published_at=1701973213942, productid=blt6709784da7ee8f75_31_en-hk, data={"__typename":"CreditCard","id":"blt6709784da7ee8f75_31_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt954c462bdafa413a/5e7dad30a65b970bc593e59d/CITICASHBACKMASTERCARD.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>[Till 2 January 6 p.m.] </strong>Get rewarded with <strong>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</strong> exclusively from MoneyHero with a designated amount of spending.<strong> EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!</strong><p><strong></strong>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt51e65ee9daad3b66/65682f560a03ade1c339bca6/20231130_[CC]_Citi_CC_-_Dec_2023_Campaign_D-PJ23_0817_Campaign-V01_Static_Banner_EN_(1600_x_400)_1.jpg","description":null,"dimension":{"width":"1600","height":"400"}},"countdown":{"text":"Extra AirPods3 Offer! Ends in","displayProductPage":false,"date":{"startDate":null,"endDate":"2023-05-22T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":-1000,"displayValue":"1","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on local dining and local hotel spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on local dining and local hotel spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":-1000,"displayValue":"1","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on foreign currency online spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"on overseas spending","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":1950,"displayValue":"1.95","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-58000,"displayValue":"58","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-250000,"displayValue":"250","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":120000000,"displayValue":"120,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":1800000,"displayValue":"1,800","tooltip":null,"description":"","prefix":"$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaLmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1jYXNoLWJhY2stY2MtZW4tcnA.lxNiOTUqZqTqZM8xkQUx7XFaHAvH09vtqYJW0kBI_MWs-jN8V7pjedI83k1U9lvg4_oYJtMje50oQuTgi82fCg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-cash-back-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"Citibank"},"description":{"shortDescription":["2% rebate for local dining, local hotel spending and foreign currency spending with no cap","Free Purchase Protection Insurance"]},"productName":"Citi Cash Back Card","title":"HK.CC.CITI0018.CITICASHBACKCARD","features":{"title":"Features","pros":["<strong>Most suitable for customer who has big spending in short period</strong>"," <p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> <li>New Citi Credit Card Customers receive <strong> 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</strong> exclusively from MoneyHero when they spend a designated amount and fulfill the following requirements:</li> </ul> <table style=\"width: 100%; height: 186px;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"width: 46.2445%; text-align: center; height: 26px;\"><strong>Important Dates</strong></td> <td style=\"width: 52.5773%; text-align: center; height: 26px;\"><strong>Requirements</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 46px;\">From 30 November 2023 6 p.m. to 2 January 2024 6 p.m.</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 46px;\">New Citi Credit Card Customers who successfully apply for the Designated Card via MoneyHero.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 46px;\">Within 7 days of receiving the form</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 46px;\">Submit the reward redemption form sent via email previously.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 50px;\">On or before 1 February 2024</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 50px;\">The card must be approved by Citibank. You are required to activate the card.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 18px;\">Within 30 days upon card approval</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 18px;\">Make a minimum spend of HK$2,000 with the card (PayMe top-up/Alipay/WeChat Pay included)</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"&rdquo;_blank&rdquo;\">3 settings to ensure reward eligibility</a></li> <li>Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).</li> <li>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.</li> <li>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.</li> <li>If you have concerns regarding the redemption process, please refer to the <a href=\"https://moneyhero.link/cc-citi-cashback-rewards-pm-prestige-tnc-listing\" target=\"_blank\" rel=\"noopener\">Terms and Conditions</a>.</li> </ul> </li> </ul>","<strong>Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.</strong> <ul> <li>2% rebate on local dining spending</li> <li>2% rebate on local hotel spending</li> <li>2% rebate on spending in foreign currency</li> <li>1% unlimited rebate on other spending</li> <li>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.</li> </ul>","<strong>Purchase Protection Insurance</strong><ul> <li>Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.</li> </ul>","<strong>First year annual fee waiver</strong>","<p><strong>[MoneyHero x Deliveroo Special Offer]</strong><p><ul><li>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.<ul> <p>Benefits for Deliveroo Plus Silver Member:<li>Unlimited free delivery : free delivery on all orders over HK$250<li>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!<li>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</p></ul> <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24141255772569\">More details</a></ul>"],"cons":["This MoneyHero Exclusive Offer does not apply to student cards","Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card (\"New Customer\").","<strong>Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate</strong> <ul> <li>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.</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"120000","description":{"shortDescription":"HK$120,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card \"Quick Cash\" Installment Program and Terms and Conditions for Citi Credit Card \"Flexi-Installment\" Program) (where applicable)","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"HK$300/CNY300/US$40 or the amount of minimum payment due under the last monthly statement, whichever is lower","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"34.28%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"35.81%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"58 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"HK$1,800","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1669950672137, hs_is_edited=false, hs_deleted_at=0, productname=Citi Cash Back Card, hs_name=, hs_updated_by_user_id=60412388}})

Standard Chartered Cathay Mastercard

 

The Standard Chartered Cathay Mastercard is one of the best miles cards in Hong Kong. Co-branded with Cathay Pacific, the card offers direct rebates in Asia Miles. With its generous welcome offer, you only have to spend HK$5,000 to get 15,000 miles, which could get you round-trip tickets to Taipei! Be sure to get your iPhone off of the Apple online store as online spending get you a preferable HK$4/mile rebate rate on the card. 

Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

Welcome Offer - Airmiles

Up to 60,000 miles

Annual Fee

First year waived

Rewards

[Till 2 January 12 noon] New cardholders can enjoy HK$1,000 HKTVmall e-Gift Voucher OR HK$1,000 Apple Store Gift Card OR HK$1,000 hutchgo e-Voucher when you successfully apply via MoneyHero; and up to 63,000 miles as welcome gift.
See More
See Less
Debug data (SizeLimitingPyMap: {market=moneyhero, badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, product_moneyhero={ad_hoc_comparables=[{comparable_label=Welcome Offer - Airmiles, comparable_value=Up to 60,000 miles}, {comparable_label=Annual Fee, comparable_value=<p style="font-size: 14px;">First year waived</p>}], comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product={id=57342100212, table_id=4701663, table_name=product_moneyhero, columns={hs_id=57342100212, hs_child_table_id=0, hs_updated_at=1701871334217, hs_published_at=1701973213942, productid=bltc8ff208ddf04138b_11_en-hk, data={"__typename":"CreditCard","id":"bltc8ff208ddf04138b_11_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltfd094975857ad3e6/60eba82c39c36a2747aa5780/Standard_Chartered_Cathay_Mastercard.png","description":"","dimension":null},"featured":false,"imageOrientation":"PORTRAIT","promotional":{"bannerText":"<strong>[Till 2 January 12 noon]</strong>&nbsp;New cardholders can enjoy&nbsp;<strong>HK$1,000 HKTVmall e-Gift Voucher OR HK$1,000 Apple Store Gift Card OR HK$1,000 hutchgo e-Voucher&nbsp;</strong>when you successfully apply via MoneyHero; and up to 63,000 miles as welcome gift.","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blta3a17c58380c565c/656ee7a4e8d9e3ef351d6eed/20231103-[CC]-SCB-CC-Nov-Campaign-D-PJ23_0762-Campaign_CX-Card_Static-banner_EN_OP.jpg","description":null,"dimension":{"width":"1600","height":"400"}},"countdown":{"text":"Last Chance","displayProductPage":false,"date":{"startDate":"2022-08-17T03:05:13.000Z","endDate":"2023-02-07T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":6000,"displayValue":"6","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":6000,"displayValue":"6","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"on eligible dining, online and overseas spending","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":1950,"displayValue":"1.95","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-56000,"displayValue":"56","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":96000000,"displayValue":"96,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":2000000,"displayValue":"2,000","tooltip":null,"description":"","prefix":"$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaJ2h0dHBzOi8vbW9uZXloZXJvLmxpbmsvc3RjaC1jbS1jYy1lbi1ycA.Y_v2tNZeBMXAhz7ZU08B6yeoj9wfs4KHpI7w57yoDbYLMnFXXeMW0CdlJeE7Wwlgy9SlmODNkPTsZdrf2LZ9DQ","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-cathay-mastercard"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"standard-chartered","providerName":"Standard Chartered"},"description":{"shortDescription":["Welcome offer: as low as HK$0.2 = 1 Asia Mile; Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express; First-year annual fee waiver","10% discount on Asia Miles Awards redemption"]},"productName":"Standard Chartered Cathay Mastercard","title":"HK.CC.STCH0006.STANDARDCHARTEREDCATHAYMASTERCARD","features":{"title":"Features","pros":["<p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> \t<li>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:</li> </ul> <table style=\"height:307px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:46.9486%\"><strong>Important Dates</strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:51.8732%\"><strong>Requirements</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:46.9486%\"> \t\t\t<p>From 30 November 2023 12 noon&nbsp;to 2&nbsp;January 2024 12 noon</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:51.8732%\"> \t\t\t<p>New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:46.9486%\">Within 7 days of receiving the form</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:51.8732%\">Submit the reward redemption form sent via email previously.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">On or before 31 January 2024</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">The card must be approved by Standard Chartered, subject to the Bank&rsquo;s system records.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">Within 7 days of receiving approval</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">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.</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Tips: \t<ul> \t\t<li>Please submit the reward redemption form sent via email previously within 7 days of receiving the form.</li> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t\t<li>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&#39;t forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.</li> \t\t<li>MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.</li> \t\t<li><a href=\"https://moneyhero.link/cc-scb-cxam-tnc-listing\" target=\"blank\">Terms and Conditions</a> Apply.</li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer - Up to 60,000 Asia Miles <br /></strong><br />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.</p> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; height: 50px; width: 47.1735%;\"><strong>Accumulate eligible transactions within the first 2 months of card issuance</strong></td> <td style=\"text-align: center; height: 50px; width: 26.5107%;\"><strong>Earn Rate (HK$ to Asia Mile)</strong></td> <td style=\"text-align: center; height: 50px; width: 24.5614%;\"><strong>Maximum Asia Miles Earned</strong></td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$1,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$0.2 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">5,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$5,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$0.33 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">15,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$40,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$1 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">40,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$100,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$1.67 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">60,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">&nbsp;</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">&nbsp;</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\"><strong>Up to 60,000 miles</strong></td> </tr> </tbody> </table> <p>&nbsp;</p>","<p><strong>Winter Special Offer - Extra 3,000 Asia Miles<br /></strong><br />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.</p>","<p><strong>Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee</strong></p> <ul> <li>Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express</li><ul><li>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.</li></ul> <li>HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category</li> <li>HK$6 = 1 Asia Mile for eligible spending on other categories</li> </ul>","<p><strong>10% discount on Asia Miles Awards redemption</strong></p> <ul> <li>Hotel, Car Rental and Experience Awards;</li> <li>Dining awards or settle bill with miles; and</li> <li>Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.</li> </ul>","<p><strong>Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings</strong></p>","<p><strong>First-year annual fee waiver</strong></p> <ul> <li> <p>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.</p> </li> </ul>"],"cons":["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.","<p>Offers are subject to <a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt71ea737d88eb7409/61cc232ac52c5b292ce24a05/AOF_TnC_WO_4_1221.pdf\" target=\"_blank\">Terms and conditions</a>.</p>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"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","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"35.70%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"39.09%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"Up to 56 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"HK$2,000","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1669950673282, hs_is_edited=false, hs_deleted_at=0, productname=Standard Chartered Cathay Mastercard, hs_name=, hs_updated_by_user_id=60412388}}, reorder_comparables=[]}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, tabs={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, type=module, promotional={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}}) null (SizeLimitingPyMap: {id=57342100212, table_id=4701663, table_name=product_moneyhero, columns={hs_id=57342100212, hs_child_table_id=0, hs_updated_at=1701871334217, hs_published_at=1701973213942, productid=bltc8ff208ddf04138b_11_en-hk, data={"__typename":"CreditCard","id":"bltc8ff208ddf04138b_11_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltfd094975857ad3e6/60eba82c39c36a2747aa5780/Standard_Chartered_Cathay_Mastercard.png","description":"","dimension":null},"featured":false,"imageOrientation":"PORTRAIT","promotional":{"bannerText":"<strong>[Till 2 January 12 noon]</strong>&nbsp;New cardholders can enjoy&nbsp;<strong>HK$1,000 HKTVmall e-Gift Voucher OR HK$1,000 Apple Store Gift Card OR HK$1,000 hutchgo e-Voucher&nbsp;</strong>when you successfully apply via MoneyHero; and up to 63,000 miles as welcome gift.","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blta3a17c58380c565c/656ee7a4e8d9e3ef351d6eed/20231103-[CC]-SCB-CC-Nov-Campaign-D-PJ23_0762-Campaign_CX-Card_Static-banner_EN_OP.jpg","description":null,"dimension":{"width":"1600","height":"400"}},"countdown":{"text":"Last Chance","displayProductPage":false,"date":{"startDate":"2022-08-17T03:05:13.000Z","endDate":"2023-02-07T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":6000,"displayValue":"6","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":6000,"displayValue":"6","tooltip":null,"description":"","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"on eligible dining, online and overseas spending","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":1950,"displayValue":"1.95","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-56000,"displayValue":"56","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":96000000,"displayValue":"96,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":2000000,"displayValue":"2,000","tooltip":null,"description":"","prefix":"$","suffix":""}],"ctaButton":{"label":"Apply Now","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaJ2h0dHBzOi8vbW9uZXloZXJvLmxpbmsvc3RjaC1jbS1jYy1lbi1ycA.Y_v2tNZeBMXAhz7ZU08B6yeoj9wfs4KHpI7w57yoDbYLMnFXXeMW0CdlJeE7Wwlgy9SlmODNkPTsZdrf2LZ9DQ","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-cathay-mastercard"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"standard-chartered","providerName":"Standard Chartered"},"description":{"shortDescription":["Welcome offer: as low as HK$0.2 = 1 Asia Mile; Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express; First-year annual fee waiver","10% discount on Asia Miles Awards redemption"]},"productName":"Standard Chartered Cathay Mastercard","title":"HK.CC.STCH0006.STANDARDCHARTEREDCATHAYMASTERCARD","features":{"title":"Features","pros":["<p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> \t<li>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:</li> </ul> <table style=\"height:307px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:46.9486%\"><strong>Important Dates</strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:51.8732%\"><strong>Requirements</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:46.9486%\"> \t\t\t<p>From 30 November 2023 12 noon&nbsp;to 2&nbsp;January 2024 12 noon</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:51.8732%\"> \t\t\t<p>New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:46.9486%\">Within 7 days of receiving the form</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:36px; width:51.8732%\">Submit the reward redemption form sent via email previously.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">On or before 31 January 2024</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">The card must be approved by Standard Chartered, subject to the Bank&rsquo;s system records.</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:46.9486%\">Within 7 days of receiving approval</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:18px; width:51.8732%\">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.</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Tips: \t<ul> \t\t<li>Please submit the reward redemption form sent via email previously within 7 days of receiving the form.</li> \t\t<li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"”_blank”\">3 settings to ensure coupon reward eligibility</a></li> \t\t<li>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&#39;t forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.</li> \t\t<li>MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.</li> \t\t<li><a href=\"https://moneyhero.link/cc-scb-cxam-tnc-listing\" target=\"blank\">Terms and Conditions</a> Apply.</li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer - Up to 60,000 Asia Miles <br /></strong><br />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.</p> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; height: 50px; width: 47.1735%;\"><strong>Accumulate eligible transactions within the first 2 months of card issuance</strong></td> <td style=\"text-align: center; height: 50px; width: 26.5107%;\"><strong>Earn Rate (HK$ to Asia Mile)</strong></td> <td style=\"text-align: center; height: 50px; width: 24.5614%;\"><strong>Maximum Asia Miles Earned</strong></td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$1,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$0.2 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">5,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$5,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$0.33 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">15,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$40,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$1 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">40,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">HK$100,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">HK$1.67 = 1 mile</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\">60,000 miles</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 47.1735%;\">&nbsp;</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 26.5107%;\">&nbsp;</td> <td style=\"text-align: center; border-top: 1px solid #ededed; width: 24.5614%;\"><strong>Up to 60,000 miles</strong></td> </tr> </tbody> </table> <p>&nbsp;</p>","<p><strong>Winter Special Offer - Extra 3,000 Asia Miles<br /></strong><br />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.</p>","<p><strong>Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee</strong></p> <ul> <li>Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express</li><ul><li>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.</li></ul> <li>HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category</li> <li>HK$6 = 1 Asia Mile for eligible spending on other categories</li> </ul>","<p><strong>10% discount on Asia Miles Awards redemption</strong></p> <ul> <li>Hotel, Car Rental and Experience Awards;</li> <li>Dining awards or settle bill with miles; and</li> <li>Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.</li> </ul>","<p><strong>Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings</strong></p>","<p><strong>First-year annual fee waiver</strong></p> <ul> <li> <p>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.</p> </li> </ul>"],"cons":["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.","<p>Offers are subject to <a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt71ea737d88eb7409/61cc232ac52c5b292ce24a05/AOF_TnC_WO_4_1221.pdf\" target=\"_blank\">Terms and conditions</a>.</p>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"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","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"35.70%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"39.09%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"Up to 56 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"HK$2,000","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1669950673282, hs_is_edited=false, hs_deleted_at=0, productname=Standard Chartered Cathay Mastercard, hs_name=, hs_updated_by_user_id=60412388}})

✈️Buying at Apple Authorised Resellers

Apple products are almost never on sale, but Apple authroised resellers often have their own promotion programmes with credit cards. Stack these offers with current welcome offers to maximise the rewards.

 

Merchant Card Offer Period
Fortress DBS Credit Cards Up to extra HK$600 discount offer From now until October 31, 2023

HSBC Visa Platinum Credit Card

Up to 6x MoneyBack points From now until February 29, 2024

American Express Cards

Spend HK$2,000 get HK$100 off From now until December 31, 2023
Broadway BOC Credit Cards Up to Extra $1,460 RewardCash From now until October 31, 2023
Chung Yuen Prime Credit Credit Cards Spend HK$2,000 get HK$100 off From now until December 31, 2023
CCB Credit Cards From now until December 31, 2023
Wilson HSBC Credit Cards Up to HK$550 Reward Cash From now until November 30, 2023
Suning Prime Credit Credit Cards HK$100 discount From now until December 31, 2023
YOHO HSBC Credit Cards Selected merchandise up to 50% off From now until December 31, 2023
Mastercard Credit Cards HK$80 discount From now until December 31, 2023
CMK Prime Credit/CCB/Hang Seng/ HSBC Credit Cards HK$200 discount From now until December 31, 2023

 

Hang Seng MMPOWER Mastercard

 Hang Seng's MMPOWER Mastercard is currently working with CMK to bring extra +FUN Dollars rewards to Hang Seng cardholders. Upon spending HK$2,000 or more at CMK with an Hang Seng credit card, users can get an extra HK$2,000 discount. MMPOWER cardholders can also get up to 5.4% rebate if they chose the 'Electronics' category as part of their 'Everyday +FUN Dollars' spending programme. That's up to HK$500 value savings when you spend HK$8,000 for an iPhone at CMK, combined with the $700 +FUN dollars you get from the cards welcome offer, that's over HK$1200 value!

Hang Seng MMPOWER World Mastercard®

Hang Seng MMPOWER World Mastercard®

Welcome Offer - Cashback Rate

Up to $700 +FUN Dollars

Annual Fee

Perpetually waived

Rewards

[MMPOWER+FUN Dollars Rebate] Enjoy rewards totaling up to $2,800 +FUN Dollars
See More
See Less
Debug data (SizeLimitingPyMap: {market=moneyhero, badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, product_moneyhero={ad_hoc_comparables=[{comparable_label=Welcome Offer - Cashback Rate, comparable_value=Up to $700 +FUN Dollars}, {comparable_label=Annual Fee, comparable_value=<p>Perpetually waived</p>}], comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product={id=63127779559, table_id=4701663, table_name=product_moneyhero, columns={hs_id=63127779559, hs_child_table_id=0, hs_updated_at=1695981682784, hs_published_at=1701973213942, productid=bltd674f62facfbdd01_76_en-hk, data={"__typename":"CreditCard","id":"bltd674f62facfbdd01_76_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt8558fcc7faa8d9b0/6475824c80a248374da7d230/large-MMPower_horizontal_card_face_20230314.png","description":null,"dimension":null},"featured":false,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>[MMPOWER+FUN Dollars Rebate]</strong> Enjoy rewards totaling up to <strong>$2,800 +FUN Dollars</strong>","bannerImage":null,"countdown":{"text":"Last","displayProductPage":false,"date":{"startDate":null,"endDate":"2023-06-30T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"WELCOME_GIFT","display":"Latest Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+ FUN Dollars; on online/ selected spending categories)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":1950,"displayValue":"1.95","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-56000,"displayValue":"56","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":150000000,"displayValue":"150,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":-9007199254740989,"displayValue":"Perpetual Annual Fee Waiver","tooltip":null,"description":"","prefix":"","suffix":""}],"ctaButton":null,"functional":{"metaData":{"alias":"hang-seng-mpower-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"hang-seng-bank","providerName":"Hang Seng Bank"},"description":{"shortDescription":["5% +FUN Dollars when you spend online","MCL Cinema 10% off regular-priced movie tickets, online handling fee waiver"]},"productName":"Hang Seng MMPOWER World Mastercard®","title":"HK.CC.HASE0003.HANGSENGMPOWERCARD","features":{"title":"Features","pros":["<p><strong>[MMPOWER Card Super Deal] Enjoy totaling of up to $2,800 +FUN Dollars</strong></p> <ul> \t \t<li>Everyday +FUN Dollars - 5% +FUN Dollars Rebate, up to $800 +FUN Dollars each month \t<ul> \t\t<li>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 \t\t<ul> \t\t\t<li>Mobile Payment</li> \t\t\t<li>Dining (dine-in and takeaway spending at restaurant outlets)</li> \t\t\t<li>Travel and foreign currency (hotels, airlines, travel agencies, and more)</li> \t\t\t<li>Electronics</li> \t\t\t<li>Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spending, and more)</li> \t\t</ul> \t\t</li> \t</ul> \t</li> \t<li>Notebook Program Reward - Earn up to HK$1,200 +FUN Dollars\t<ul> \t\t<li>Earn extra 5% +FUN Dollars after successful registration on “U-Mac Program” and/or “Notebook Ownership Program” with the designated amount of spending</li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer - Up to $1,300 +FUN Dollars</strong></p> <ul> \t<li>Successfully apply Hase Seng MMPOWER World Mastercard, and make HK$5,000 eligible spending within 60 days, can enjoy the following welcome offer: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:center; width:50%\"><strong>New Customers</strong></td> \t\t\t\t<td style=\"height:50px; text-align:center; width:50%\"><strong>Existing Customers</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:50%\"> \t\t\t\t<ul> \t\t\t\t\t<li>$700 +FUN Dollars; OR</li> \t\t\t\t\t<li>10 MCL Cinemas movie tickets</li> \t\t\t\t</ul> \t\t\t\t</td> \t\t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:50%\"> \t\t\t\t<ul> \t\t\t\t\t<li>$300 +FUN Dollars; OR</li> \t\t\t\t\t<li>5 MCL Cinemas movie tickets</li> \t\t\t\t</ul> \t\t\t\t</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li>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.</li> \t<li>Open with a Preferred Banking Account to get extra $100 +FUN Dollars</li> </ul>","<strong>Exclusive MCL Offers</strong><ul><li>Online handling fee waiver</li><li>Add $1 +FUN Dollars to redeem 1 more movie ticket</li><li>Free small popcorn</li><li>10% off regular-priced movie tickets</li></ul>","<strong>World Mastercard Privileges</strong><ul><li>Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.</li></ul>","<strong>Gaia Group Offer</strong><ul><li>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.</li></ul>"],"cons":["If the customer has held a Hang Seng MMPOWER World Mastercard® as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.","+FUN Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 3 months upon fulfillment of the spending requirement(s). The relevant credit card account must be still valid and in good standing when +FUN Dollars are credited","<strong>+FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 15 months.</strong><br>For example, if the renewal month is July, +FUN Dollars that are accumulated between July 2021 to June 2022 will be valid till October 2022.","MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation."]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"150000","description":{"shortDescription":"HK$150,000 (except full-time university/tertiary students)","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"The Minimum Payment Amount is HK$300 or the sum of item (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of item (i) to (iii).","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"HK$300 or an amount equal to the Minimum Payment Amount (whichever is lower)","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"35.72%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"35.98%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"56 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"Perpetual Annual Fee Waiver","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1678160499795, hs_is_edited=false, hs_deleted_at=0, productname=Hang Seng MMPOWER World Mastercard®, hs_name=, hs_updated_by_user_id=28491723}}, reorder_comparables=[]}, static_text={cta_button_label=Apply Now, rewards=Rewards, see_less=See Less, see_more=See More, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, tabs={eligibility={heading=Eligibility, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=Features, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=Promotions, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, type=module, promotional={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}}) null (SizeLimitingPyMap: {id=63127779559, table_id=4701663, table_name=product_moneyhero, columns={hs_id=63127779559, hs_child_table_id=0, hs_updated_at=1695981682784, hs_published_at=1701973213942, productid=bltd674f62facfbdd01_76_en-hk, data={"__typename":"CreditCard","id":"bltd674f62facfbdd01_76_en-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt8558fcc7faa8d9b0/6475824c80a248374da7d230/large-MMPower_horizontal_card_face_20230314.png","description":null,"dimension":null},"featured":false,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>[MMPOWER+FUN Dollars Rebate]</strong> Enjoy rewards totaling up to <strong>$2,800 +FUN Dollars</strong>","bannerImage":null,"countdown":{"text":"Last","displayProductPage":false,"date":{"startDate":null,"endDate":"2023-06-30T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"WELCOME_GIFT","display":"Latest Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"Air Miles Conversion Fee"},"sortValue":-9007199254740990,"displayValue":"No Fee","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"Dining - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"Welcome Offer - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"Digital Wallet - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"Octopus Topup - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"Welcome Offer - Maximum Air Miles Reward"},"sortValue":-9007199254740990,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"Digital Wallet - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"Dining - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"Local Spending - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+ FUN Dollars; on online/ selected spending categories)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"Local Online Shopping - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"Overseas Online Shopping - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"Overseas Spending - Cashback Rate"},"sortValue":-5000,"displayValue":"5","tooltip":null,"description":"(+FUN Dollars)","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"Welcome Offer - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"Octopus Topup - Cashback Rate"},"sortValue":9007199254740991,"displayValue":"Not Available","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"sortValue":1950,"displayValue":"1.95","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"sortValue":-56000,"displayValue":"56","tooltip":null,"description":"","prefix":"","suffix":"days"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"Octopus Maximum Topup Value"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":150000000,"displayValue":"150,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRPORT_LOUNGE_ACCESS","display":"Number of Free Lounge Access"},"sortValue":-9007199254740990,"displayValue":"Unlimited","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"ANNUAL_FEE","display":"Annual fee"},"sortValue":-9007199254740989,"displayValue":"Perpetual Annual Fee Waiver","tooltip":null,"description":"","prefix":"","suffix":""}],"ctaButton":null,"functional":{"metaData":{"alias":"hang-seng-mpower-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"hang-seng-bank","providerName":"Hang Seng Bank"},"description":{"shortDescription":["5% +FUN Dollars when you spend online","MCL Cinema 10% off regular-priced movie tickets, online handling fee waiver"]},"productName":"Hang Seng MMPOWER World Mastercard®","title":"HK.CC.HASE0003.HANGSENGMPOWERCARD","features":{"title":"Features","pros":["<p><strong>[MMPOWER Card Super Deal] Enjoy totaling of up to $2,800 +FUN Dollars</strong></p> <ul> \t \t<li>Everyday +FUN Dollars - 5% +FUN Dollars Rebate, up to $800 +FUN Dollars each month \t<ul> \t\t<li>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 \t\t<ul> \t\t\t<li>Mobile Payment</li> \t\t\t<li>Dining (dine-in and takeaway spending at restaurant outlets)</li> \t\t\t<li>Travel and foreign currency (hotels, airlines, travel agencies, and more)</li> \t\t\t<li>Electronics</li> \t\t\t<li>Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spending, and more)</li> \t\t</ul> \t\t</li> \t</ul> \t</li> \t<li>Notebook Program Reward - Earn up to HK$1,200 +FUN Dollars\t<ul> \t\t<li>Earn extra 5% +FUN Dollars after successful registration on “U-Mac Program” and/or “Notebook Ownership Program” with the designated amount of spending</li> \t</ul> \t</li> </ul>","<p><strong>Welcome Offer - Up to $1,300 +FUN Dollars</strong></p> <ul> \t<li>Successfully apply Hase Seng MMPOWER World Mastercard, and make HK$5,000 eligible spending within 60 days, can enjoy the following welcome offer: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:center; width:50%\"><strong>New Customers</strong></td> \t\t\t\t<td style=\"height:50px; text-align:center; width:50%\"><strong>Existing Customers</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:50%\"> \t\t\t\t<ul> \t\t\t\t\t<li>$700 +FUN Dollars; OR</li> \t\t\t\t\t<li>10 MCL Cinemas movie tickets</li> \t\t\t\t</ul> \t\t\t\t</td> \t\t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:50%\"> \t\t\t\t<ul> \t\t\t\t\t<li>$300 +FUN Dollars; OR</li> \t\t\t\t\t<li>5 MCL Cinemas movie tickets</li> \t\t\t\t</ul> \t\t\t\t</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li>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.</li> \t<li>Open with a Preferred Banking Account to get extra $100 +FUN Dollars</li> </ul>","<strong>Exclusive MCL Offers</strong><ul><li>Online handling fee waiver</li><li>Add $1 +FUN Dollars to redeem 1 more movie ticket</li><li>Free small popcorn</li><li>10% off regular-priced movie tickets</li></ul>","<strong>World Mastercard Privileges</strong><ul><li>Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.</li></ul>","<strong>Gaia Group Offer</strong><ul><li>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.</li></ul>"],"cons":["If the customer has held a Hang Seng MMPOWER World Mastercard® as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.","+FUN Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 3 months upon fulfillment of the spending requirement(s). The relevant credit card account must be still valid and in good standing when +FUN Dollars are credited","<strong>+FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 15 months.</strong><br>For example, if the renewal month is July, +FUN Dollars that are accumulated between July 2021 to June 2022 will be valid till October 2022.","MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation."]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"150000","description":{"shortDescription":"HK$150,000 (except full-time university/tertiary students)","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"The Minimum Payment Amount is HK$300 or the sum of item (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of item (i) to (iii).","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"HK$300 or an amount equal to the Minimum Payment Amount (whichever is lower)","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"35.72%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"35.98%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"56 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"Perpetual Annual Fee Waiver","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1678160499795, hs_is_edited=false, hs_deleted_at=0, productname=Hang Seng MMPOWER World Mastercard®, hs_name=, hs_updated_by_user_id=28491723}})

iPhone 15 Frequently Asked Questions

When is the new iPhone coming out?

The iPhone 15 is available for pre-order form 8pm 15 September and it will be available for purchase from 22 September 2023.

 


 

Do I need a new iPhone?

 

 

 

It depends on whether you are looking to upgrade your phone, the new iPhone is rumoured to have enhanced camera specs and Dynamic Island designs for all models. It is worth noting that if your iPhone model is the iPhone 8 or older, Apple will soon no longer support it.


 

Is there any way to buy a new iPhone for cheaper than retail price?

 

 

 

Apple do not often offer discounts on its products. One way to get a new phone for cheaper is to leverage credit card welcome offers and promotions and use the rebates to offset the cost.