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Lamp, Plant, Adult

For Fitness Lovers like you

If you like to hit the gym, Smart Card has so much to offer with these amazing deals at partnering gyms!

Download Credit Cards Key Facts Statement

Save on your everyday spending with Smart Card

When it comes to the Smart Card, many would immediately associate it with its incredible welcome offer of earning HKD1,200 Cashback with just HKD4,000 eligible spending1 within the first month from the date of issuance. But more than that, the Smart Card is also a credit card that offers exceptional ongoing rewards.

5%
CashBack

Now you don’t have to worry about your expenses because it offers a generous 5% CashBack on a wide range of everyday purchases. Let’s explore how much CashBack you can potentially earn in a month by spending the following amount at the listed merchants below using your Smart Card:

HKD1000
-HKD50
HKD400
-HKD20
HKD420
-HKD21
HKD420
-HKD21
HKD480
-HKD24
HKD500
-HKD25
HKD300
-HKD15
HKD360
-HKD18
HKD500
-HKD25
HKD120
-HKD6
HKD270
-HKD14
HKD150
-HKD8
HKD68
-HKD3
HKD388
-HKD19
Selected online video streaming platforms
HKD93
-HKD5
Selected online music streaming platforms
HKD98
-HKD5

* Above spending serve as an example (Rounding to the nearest Integer)

In total, you can get CashBack up to

HKD279

Massive 5% CashBack

On designated everyday merchants. No registration, no minimum spending, available every day*.

2.51% saving on foreign currency spending

Waive 1.95% FX fee and earn 0.56% CashBack on foreign currency retail transaction

Handling Fee Waived for transferring HKD 60K via SC Pay in a calendar month

Use Smart Card as debit source to transfer via SC Pay to earn a cash flow.

3-month 0% Interest Instalment

Stress-free spending, split your credit card bills with 3-month interest-free instalment#^

Merchant Offers for Cardholders

Let's take a look at how you can effortlessly maximise your spending rewards.

Circle K Convenience Store

Start your day with a quick breakfast at Circle K. Grab a can of coffee or sandwich and pay with your Smart Card to earn a 5% CashBack.

Deliveroo

Have your lunch delivered to you using Deliveroo and earn a 5% CashBack when you pay using your Smart Card.

McDonald’s®

Looking for a way to save some cash while indulging in your love for McDonald's breakfast? Look no further than your Smart Card which gives you a 5% CashBack when you pay for your breakfast.

Decathlon

Get ready for outdoor fun! Gear up with essential equipment and enjoy 5% CashBack at Decathlon with your Smart Card. For a limited time only*.

PARKnSHOP & PNS eSHOP

Your grocery run at PARKnSHOP just got more rewarding with your Smart Card. Simply swipe at checkout to enjoy the all-day 5% CashBack offer. Now who says you can't save more on your grocery shopping?

PARKnSHOP includes its designated retail stores e.g., FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, EXPRESS and PARKnSHOP Frozen Food Stores outlets, & PARKnSHOP eShop.

Watsons

Stock up on all your must-have health and beauty products at Watsons and enjoy 5% CashBack when you pay with your Smart Credit Card.

759 Store

Stocking up on snacks and drinks from the 759 Store? Don't forget to pay with your Smart Card to enjoy the 5% CashBack on top of the store's 23% VIP discount.

HKTVmall

Get all your shopping done in one place at HKTVmall and receive a 5% CashBack on your purchases when you use your Smart Card. Additionally, you can get an extra 5% discount on HKTVmall VIP Day, making it almost like a 10% off deal.

Sa Sa

Enjoy the best deals on cosmetics and skincare products at Sa Sa. Earn a 5% discount with the Sa Sa VIP card, which can be combined with the Smart Card's 5% CashBack for almost 10% savings.

Klook

It is more convenient to purchase your tickets through Klook if you're planning to take a ride on the Ngong Ping 360 cable car, visit a theme park, or explore the M+ Museum. Your Smart Card offers a 5% CashBack for them too.

Spotify JOOX KKbox

Selected online music streaming platforms

Listen to your favourite tunes while earning 5% CashBack on your monthly subscription fee when you pay for Spotify, JOOX, KKBOX or MOOV using your Smart Card.

JHC

You should not miss out on the household products offered at Japan Home Centre. Take advantage of the ongoing promotions and get an extra 5% CashBack when you make purchases using your Smart Card.

NETFLIX Prime Video Disney+ Now TV

Selected online video streaming platforms

Save money while binge-watching your favourite TV shows. With your Smart Card, you can receive a 5% CashBack on your monthly subscription fee for Netflix, Amazon Prime Video, Disney+, and Now TV.

Smart Card continuously adds new merchants to its network, allowing you to always enjoy a 5% cash rebate. No registration required, no minimum spending, and no specified days. With our partner merchants, you can enjoy generous cash rebates on everyday spending2.

On top of the attractive CashBack offers, you can enjoy an array of fabulous year-round offers and promotions with Smart Card.

Learn More

Apply for the Smart Card now

Apply for the Smart Card now and earn CashBack on your everyday spending, while enjoying a welcome offer of HKD 1,200 CashBack1!

Please click here for Full Welcome Offer Terms & Conditions

Remark:

  1. Only applicable to New Cardholders. 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. “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, 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.
  2. The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the 5% CashBack Percentage is HKD60,000 per Card account within the promotion period. Eligible Transactions made at Designated Merchants must be completed and posted on or before 31 December 2024 based on the transaction dates as shown on the 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. Any amount in excess of the HKD60,000 cap will be counted as Other Eligible Transactions.
Smart Card 3-month Interest-free Instalment Remarks

#Applicable for retail spending over HKD2,000 or above.

^For spending amounts that are not eligible to earn CashBack (e.g. bill payment transactions made through Standard Chartered Online Banking), the Bank will also deduct HKD1 CashBack for every HKD180 instalment amount applied. Where there is insufficient CashBack balance on the 360° Rewards Redemption Platform for deduction, a negative balance will be displayed.

*Smart Card Features

Ⓐ Promotion period: From 1 January to 31 December 2024

Ⓑ 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 in the form of CashBack to the card account as shown in the list below.

Ⓒ Eligible Transactions made at below Designated Merchants can earn HKD1 CashBack for every HKD20 spent (5% CashBack percentage)

  • 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
  • Häagen-Dazs™
  • HKTVmall retail stores & eShop
  • Japan Home Centre retail stores & eShop
  • Klook
  • HK Ticketing (valid from 20 March 2024)
  • McDonald's® & McDonald's App
  • PARKnSHOP, its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, EXPRESS and PARKnSHOP Frozen Food Stores outlets) & PARKnSHOP eShop
  • Sa Sa retail stores & eShop
  • Watsons retail stores & eShop
  • Online video streaming platforms: Amazon Prime Video, Disney+, Netflix, Now TV
  • Online music streaming platforms: JOOX, KKBOX, MOOV, Spotify

Ⓓ Other eligible transactions can earn HKD1 CashBack for every HKD180 spent (0.56% Cashback Percentage)

Ⓔ The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the 5% CashBack Percentage is HKD60,000 per Card account within the promotion period. Eligible Transactions made at Designated Merchants must be completed and posted on or before 31 December 2024 based on the transaction dates as shown on the 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. Any amount in excess of the HKD60,000 cap will be counted as Other Eligible Transactions.

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

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