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Hk cc smart cashback en

Spend smarter with Smart Card. Up to 5% CashBack with selected merchants

Apply for a Smart Card today for up to 5% CashBack with selected merchants and additional HKD800 CashBack welcome offer2
Photography, Face, Happy

Smart Card Welcome Offer

Apply now to enjoy HKD800 CashBack or Two HKGPPF voucher with Infinity Room Access1,2!
Concert, Crowd, Person

HK Ticketing

Apply Smart Card now to earn up to 5% CashBack at HK Ticketing.
Hk cc smart fps cashflow sep en

Create monthly extra HKD40,000 cashflow with Smart Card

Enjoy interest and handling fee waiver for the first HKD40,000 monthly cash out via FPS.

Standard Chartered Smart Credit Card

Earn and save on your everyday spending.
All you need is ONE card!

Year-round Offer

Up to 5% CashBack

On designated everyday merchants. No registration and available every day*.

Fees, Goodbye!

No foreign exchange fees, no annual fees, no cash advance fees. Ever.

Hk cc smart welcome offer en

Welcome offer: HKD800 CashBack or Two HKGPPF vouchers with Infinity Room Access

    From now to 27 February 2025, New Cardholders2 can enjoy HKD800 CashBack or Two HKGPPF vouchers with Infinity Room Access upon making Accumulated Eligible Transactions3 of HKD3,500 within the first month from the date of issuance.

Hk cc smart logo merchantpool jan

Up to 5% CashBack* at Designated Merchants, earn and save on your everyday spending

    Grocery shopping & Home: 759 Store, Circle K Convenience Store, Japan Home Centre, PARKnSHOP

    Beauty & Health care: Watsons, Sasa

    Food and beverage: Deliveroo

    Sport & Entertainment: Decathlon, Klook, HK Ticketing, selected online video and music streaming platforms

    Digital Lifestyle: China Mobile Hong Kong and s/ash

    Minimum spending requirements apply.

    Learn More

No Fees cartoons image

No foreign currency transaction fees during travel and No other fees

  • Waive 1.95% fee and earn up to 1.2% CashBack on foreign currency retail transaction
  • No annual fees
  • No Cash advance fees
  • Learn More

Credit Card Promotions & Services

Pay bills and make transfers without fees

Skip the fees. Now you can pay your rent, education expenses, car park fees and even your family and friends with your credit card without handling fees!

 

Credit Card Instant Loan

Fulfill your financial needs with Instant Loan in 30 seconds and earn up to HKD5,000 CashBack or 60,000 Asia Miles rewards.

360° Rewards Redemption Platform

360° Rewards Redemption Platform now serve with refresh outlook enable you to redeem rewards with your earned Points and CashBack

 

Visa Signature offer

Enjoy Visa Signature offers with Smart card around the globe

Credit card hot promotions

Enjoy year-round and the latest offers

Eligibility & Documents

Eligibility

  • Hong Kong resident aged 18 or above
  • Annual income of HKD96,000 or above

Documents

    • Your valid adult Hong Kong Identity Card
    • Your latest residential address proof showing your name
  • For regular income earners, please enclose your latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries
  • For irregular income earners, please enclose your latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing your name, account number and salary entries
  • For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note

    Note: The bank reserves the rights of requiring more supportive documents for further review.

Smart Card Welcome Offer
  1. From 10 January 2025 to 27 February 2025
  2. 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 (the “Bank”) in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
  3. “Eligible Transactions” are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase but do not include without limitation cash advances, gambling tokens, insurance payment, transactions made at security brokers or dealers, bill payment (including but without limitation tax and utilities payment) via Internet/ATMs/Phone Banking Services or other available means, any money/electronic money transfer (including but not limited to any transfer made via person to person (P2P) payment services or mobile device/app/electronic funds transfer platform), unposted/cancelled/refunded/falsified/unauthorized transactions, any transfer/top up transaction from eligible cards to any account designed by the Bank from time to time, including but not limited to Octopus O!ePay, Alipay account and other digital payment account as may be made available by the Bank from time to time.
  4. For the terms and conditions of the Welcome Offer, please click here.
Smart Card Features

Ⓐ Promotion Period: 1 January 2025 to 31 December 2025

Ⓑ Upon successfully signing up for and issued with a Standard Chartered Smart Credit Card, the Bank will rebate a certain percentage of the amount of the Eligible Transactions (“Eligible Transactions”, as defined in Clause 3 of the Standard Chartered Smart Credit Card Rewards Scheme (“Rewards Scheme”) Terms and Conditions ), according to the accumulated spending amount in Eligible Transactions made on a monthly statement cycle basis (“Monthly Eligible Spending”) in the form of CashBack reward (“CashBack”) to the Card account as shown in the table below:

Extra CashBack
Basic CashBack
Total CashBack#
Monthly Eligible Spending* CashBack for Eligible Transactions made at Designated Merchants Spending Cap per Monthly Statement Cycle CashBack for Eligible Transactions Spending Cap per Monthly Statement Cycle
HKD 4,000 to HKD 14,999 4.44% HKD5,000^ 0.56% Unlimited 5%
HKD 15,000 3.80% 1.2% 5%

*For the avoidance of doubt, if Cardholder’s Monthly Eligible Spending is less than HKD4,000 in a particular month, Cardholder will not be entitled to any CashBack in that month.

#The 5% CashBack Percentage includes the Basic Cashback, the applicable percentage depends on the tier of the Monthly Eligible Spending.

^The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the Extra CashBack (i.e. the 5% Cashback deducting Basic Cashback) is HKD5,000 per Card account within a monthly statement cycle. Any amount of the Eligible Transaction in excess of the HKD5,000 Spending Cap will be counted as Other Eligible Transactions (i.e. Basic Cashback).

Ⓒ Designated Merchant list for Extra Cashback:

  • 759 STORE
  • China Mobile Hong Kong & s/ash. CashBack for Eligible Transactions that are made up of interest-free merchant instalment will be awarded to the Card account on a monthly basis and only for the instalment amount that is posted to the Card account during the specific Promotion Period.
  • Circle K Convenience Store
  • Decathlon
  • Deliveroo
  • Japan Home Centre retail stores & eShop
  • Klook
  • HK Ticketing
  • Sasa
  • PARKnSHOP, its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, EXPRESS and PARKnSHOP Frozen Food Stores outlets) & PARKnSHOP eShop
  • Watsons retail stores & eShop
  • Online video streaming platforms: Amazon Prime Video, Disney+, Netflix, Now TV
  • Online music streaming platforms: JOOX, KKBOX, MOOV, Spotify

Ⓓ Eligible Transactions made at Designated Merchants must be completed and posted during your Statement cycle of each month in 2025 (i.e. the posted transactions as shown in your Credit Card monthly statement) and the Designated Merchants’ name (as determined at the Bank’s absolute discretion) must be reflected as part of the transaction descriptions on such Credit Card monthly statement.

Ⓔ For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions.

How to check your Monthly Statement Cycle?

Step 1: Check your Credit Card Statement.

Step 2: Check your Statement Date shown on your Credit Card Statement. For example, if your Statement Date is 16th December on your Statement issued in December 2024, your Statement Date is 16th of every month.

In this case, your cycle calculation for first 3 month would be:

Posted Date of your Transaction

Cycle

Spending Cap for Extra Cashback

1 January 2025 – 16 January 2025

Cycle 1

Statement cycle monthly cap at HKD5,000

17 January 2025 – 16 February 2025

Cycle 2

Statement cycle monthly cap at HKD5,000

17 February 2025 – 16 March 2025

Cycle 3

Statement cycle monthly cap at HKD5,000

To borrow or not to borrow? Borrow only if you can repay!