1.Cardholders will be entitled to annual fee waiver with details as follows:

2. If you currently hold a valid Standard Chartered Credit Card and you choose to apply for the same card type(s) in this application, the Bank reserves the right not to process the application for that card type(s) and process the application for the other credit card(s) applied under this application.
3. The Bank reserves the right to treat your credit card application for a certain card type(s) as application for another card type(s) and grant you the relevant type(s) of credit card as the Bank sees fit.
4. The minimum annual income requirement for respective card type is:

5. The Bank may cancel or adjust the credit limit of any of your credit cards issued by the Bank in connection with your application, its approval or any subsequent application or approval, if any as the Bank deems it necessary.

6. Principal cardholders of Simply Cash Visa Card may choose the card design of the Simply Cash Visa Card that is available at the time of application. If the principal cardholder simultaneously applies for more than one card design of the Simply Cash Visa Card, subject to credit card approval, the Bank has the right to issue only one Simply Cash Visa Card with any card design to the principal cardholder at its sole and absolute discretion. In any case, once the application is submitted, any change on the choice of the card design of the Simply Cash Visa Card will not be accepted.

7. Vertical Simply Cash Visa Card, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private are for electronic use only, i.e. the transaction receipt data must be captured electronically and cannot be manually imprinted.

8. If you apply for multiple credit cards in this application form and the Bank rejects any one of the applications made, the Bank reserves the right to cease processing the remaining applications without prior notice.

9. You may, at any time without charge, choose not to have any temporary credit limit extension for your card. If you do not indicate your acceptance on the temporary credit limit extension service (if applicable), you will be deemed to have given your rejection to the Bank to grant the temporary credit limit extension service to your credit card(s). If you indicate your acceptance on any such temporary credit limit extension service, an Overlimit Charge is payable upon the outstanding balance debited in your card account over your granted credit limit in each credit card statement cycle. If you are staff of the Bank, you will be deemed to have chosen to opt-out on the temporary credit limit extension service to your credit card(s).
Over-the-limit transactions can still happen even if you have opted-out from the temporary credit limit extension service and thus Overlimit Charge may be chargeable. The over-the-limit transactions include, but are not limited to, Octopus automatic add-value service, autopay, late posting of a transaction due to the mode of spending (such as online purchase and overseas purchase with foreign currency chosen as the settling currency), stand-in authorization waited to be run overnight and transactions made by Visa payWave or Mastercard contactless service (for applicable credit card only) which signature is not required for verification. For enquiry on the above arrangement and the current Overlimit Charge, please feel free to call Standard Chartered Credit Card 24-hour Customer Service Hotline at 2886 4111.

10. If you do not have any bank account with the Bank at the time of this application, the Bank will update your contact information into the Bank’s system(s) upon successful approval of the credit card. The Bank will issue SMS, email or letter for notifying you the updates accordingly. 

11. If you are an existing client, the update of your personal information is applicable to all account(s) with the bank, except Insurance or MPF service. The Bank will issue SMS, email or letter for notifying you the updates accordingly. The Bank will update your personal information into the Bank’s system(s) upon successful approval of the credit card.

1. By making an application, you have read and accepted all terms and conditions set out in this application form, its accompanying leaflet (if applicable) as well as all terms and conditions stated in the Client Terms and the applicable documents referred to in Part A of Client Terms, and the Credit Card Terms, highlights of which are appended in this application (“banking agreement“). You agree to be bound by them and any variation the Bank makes to its banking agreement.

2. The minimum annual income requirement for respective card type is:

If you have multiple Standard Chartered Credit Cards, you shall have one approved credit limit which is to be shared among all Standard Chartered Credit Cards. Total monthly transactions of all your Standard Chartered Credit Cards will also be consolidated into one statement.

3. The Bank will obtain credit report on you and any of its sureties, on more than one occasion (if the Bank considers necessary), from a credit reference agency when considering any application for credit. In the event you or any of its sureties wishes to access the credit report, upon request, the Bank will advise the contact details of the relevant credit reference agency.
4. The Bank reserves the right to request the applicant to provide supporting document(s) for credit card approval purpose as the Bank sees fit.
5. The Bank reserves the right to offer an alternative type of credit card instead of the card you apply.
6. The approval of the credit card is subject to the final decision of the Bank.
7. Any benefit offer (or welcome offer) for successful application is subject to availability and the Bank may change such offer at its discretion from time to time without notice to you.
8. You may enquire about the status of your application by using the Standard Chartered Credit Card 24-Hour Customer Service Hotline at 2886 8868. Where your application is approved, before using the card, you will need to activate the card by using the Credit Card 24-Hour Automated Phone Enquiries System designated by the Bank for such purposes.
9. You have read and understood the Bank’s “Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (“Ordinance“) and the Code of Practice on Consumer Credit Data” (“Notice“) which is available to you at any of Standard Chartered branches and/or on Standard Chartered website at sc.com/hk and forms part of its banking agreement. You agree that all information provided by you in connection with this application (including personal information) may be used and disclosed to such persons (whether in or outside Hong Kong) and for such purposes as set out in the Notice.
10. The Bank reserves the right to amend the contents and all the terms and conditions contained on this website at any time.
11. In case of inconsistency between the applicable terms and conditions on one hand and the provisions within the application form or this website, the former shall prevail.
12. In case of inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Important Notes: You are suggested to read carefully the entire banking agreement. Your attention is particularly drawn to the following major terms and conditions:

1. The terms of our banking agreement apply to the use of your credit card. If you do not agree with those terms, you may wish to terminate your  credit card  in accordance with the procedure in the Credit Card Terms.
2. You must comply with the activation procedures we notify you from time to time.
3. You must ensure that only the person issued with a credit card uses it.
4. You are liable for all transactions made using your credit card or the card number on such credit card. You are also liable for all transactions made using a supplementary card or the card number on such supplementary card.
5. You must ensure that your credit limit is not exceeded.
6. You must pay the interest, fees and charges that apply to your credit card.
7. You must pay at least the minimum payment due or minimum monthly repayment as set out in your statement. You remain liable to us even if you do not receive your periodic statement.
8. The minimum payment due shall be the aggregate amount of items as set out in the Credit Card Terms or any minimum amount as set out in the tariff sheet, whichever amount is higher.
9. If we do not receive your balance owing for your credit card on or before the due date set out in your statement, we may charge you (subject to any grace period in accordance with our usual practice or applicable law) the applicable involuntary charges, which we may debit from your account.
10. We (and any other member of the Standard Chartered Group) may set off any amount we (or any other member of the Standard Chartered Group) owe you against any amount you owe us (or any other member of the Standard Chartered Group) (whether or not the obligation is matured or contingent). We (and each other member of the Standard Chartered Group) may also combine or consolidate all accounts. If we (or any other member of the Standard Chartered Group) combine accounts, any credit funds held by you in your accounts will be applied to adjust the amount owing by you in relation to your other accounts. We (and each other member of the Standard Chartered Group) may do so at any time (even if you are not in default).
11. If we do not receive the minimum payment or minimum monthly repayment on or before the due date, you must pay for the applicable involuntary charges. You may not use your credit card until the minimum payment or minimum monthly repayment has been paid and we may suspend the use of your credit card.
12. Despite any other terms of our banking agreement, subject to applicable law, we may at any time demand immediate payment of any amounts you owe us.
13. If you think there is an error on your statement, you must notify us with details of such error within the period specified in the statement. If you do not do so, we will treat the statement as correct.
14. If you are not comfortable with any changes we make to our banking agreement, you may terminate your credit card in accordance with the procedure in the Credit Card Terms.
15. If your credit card or any supplementary card is lost or stolen, you will be liable for the use of the credit card and any supplementary card until such time you notify us that the card is lost or stolen. However, your liability will be limited to HKD500 if you have not acted fraudulently or with gross negligence and you have complied with the Security Procedures set out in our Client Terms.
16. You are liable for your failure and that of any supplementary cardholder in complying with our banking agreement.
17. If you or we end the account for a credit card, subject to any applicable law, you must immediately pay all amounts owing to us in connection with the credit card and any supplementary card.
18. You may be liable for any transaction made using a supplementary card until it has been returned or until we are able to implement our procedures applicable to lost cards. We may impose any charges incurred from implementing such procedures.
19. Our Client Terms include additional provisions relating to your liability to us and exclusions or limits on our liability.
20. If you or we end the account for a credit card:
    • You will not be able to access your eStatements/eAdvices that were issued previously.Please download previous eStatements/eAdvices as you see fit before termination of the account.
    • Termination of account does not automatically terminate or modify any arrangement established or authorised by you in relation to your credit card prior to termination. Such arrangements include autopay arrangements, direct debit arrangements, regular payment arrangements and other standing arrangements. You should terminate or modify any such arrangement with the responsible merchant or party before termination of the account, failing which the merchant or party may continue to post charges under such arrangement and you may be held liable for such charges posted after card termination.

A. General Terms and Conditions of Welcome Offer

B. Terms and Conditions Applicable to New Cardholders who apply for Standard Chartered Cathay Mastercard

C. Terms and Conditions Applicable to New Cardholders who apply for Standard Chartered Cathay Mastercard – Priority Banking

D. Terms and Conditions Applicable to New Cardholders who apply for Standard Chartered Cathay Mastercard – Priority Private

E. Terms and Conditions Applicable to New Cardholders who apply for Cathay Mastercard/
Cathay Mastercard – Priority Banking/Cathay Mastercard – Priority Private

F. Terms and Conditions Applicable to New Cardholders who apply for Standard Chartered Simply Cash Visa Card

G. Terms and Conditions Applicable to New Cardholders who apply for Standard Chartered Smart Credit Card

Download PDF >>

To: Standard Chartered Bank (Hong Kong) Limited (hereinafter called the “Bank”, “we”, “us” or “our” including our successors and assigns)

By submitting this application:

1. you (being the person named as the “applicant” in the application) represent and warrant that all information (including any documents) you have given to us(being each member of theStandard Chartered Group identified in the application or the approval as the person providing the facility, product or service to you, and its successors and assigns) in connection with this application is correct, complete and not misleading – important note: if this is not the case you may be personally liable. The Bank will review all information you have provided when assessing your application. Final approval is subject to the Bank’s discretion. You also authorize us to verify from any source we may choose. If you are a principal card applicant, you further represent and confirm that the principal card applicant is at least 18 years of age;

2. you acknowledge that we may decline your application in its entirety or in part (in respect of any one or more particular credit card(s) you are applying for in this application) without giving you any reason for doing so; if this happens, no contractual relationship arises between you and us in respect of any credit card(s) requested in this application which we have declined to provide to you;

3.you agree and confirm that:

• our Client Terms and the applicable documents referred to in Part A of our Client Terms, including the Credit Card Terms and other prevailing terms and conditions, Terms and Conditions for e-Statement Service,product brochure, important notes and promotional terms (if any), and any other document forming part of our banking agreement (collectively “the banking agreement”) have been made available to you at any of our branches and on our website at sc.com/hk;
• you have read and understood thebanking agreementand you agree to be bound by it ; and
• you are bound by any variation we make to the banking agreement, in accordance withthe banking agreement– important note: in particular, you understand that by entering into the banking agreement you give indemnities, authorisations, consents and waivers and agree to limitations on our liability;4.you further agree and confirm that: (i) a highlight of thebanking agreement has been provided to you as appended in this application form; (ii) unless you have indicated your choice to receive a hard copy, you agree to receive an electronic copy of the banking agreement; (iii) you have read and understood the banking agreement and/or a highlight of it; and (iv) you agree to be bound by the banking agreement;

4. you further agree and confirm that: (i) a highlight of thebanking agreement has been provided to you as appended in this application form; (ii) unless you have indicated your choice to receive a hard copy, you agree to receive an electronic copy of the banking agreement; (iii) you have read and understood the banking agreement and/or a highlight of it; and (iv) you agree to be bound by the banking agreement;

5.you acknowledge receipt of and confirm that you have read and agreed to be bound by the Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance (“Ordinance”) and the Code of Practice on Consumer Credit Data (“Notice”) which has been available to you at any of our branches and on our website at sc.com/hk; you further agree that the Notice shall form part of thebanking agreement; you agree that all information provided by you in this application form, and any other personal data collected by us about you or that you may provide to us from time to time before, during or after this application, may be used and disclosed for such purposes and to such persons (whether the recipient is located in the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”) or another country including a country that does not offer the same level of data protection as Hong Kong) for the purposes described in, and otherwise in accordance with our policies on use and disclosure of personal data as set out in the Notice, which may be subject to change from time to time;

6.you represent and warrant that you have complied and will comply with all applicable laws (including any foreign exchange restrictions) in connection withthe banking agreement;

7. You confirm that:

• none of your credit cards have been cancelled due to payment default;
• you do not have any payments overdue by more than one month on any loans or credit cards you have with other financial institutions; and
• you are not and have never been bankrupt and you have no intention to petition nor are you currently petitioning for bankruptcy;
• you understand and agree that the Bank may, at its sole discretion, decide whether to approve this application by reference to the overall banking relationship, total asset balance or deposits held with the Bank if you are an existing banking client;
• unless otherwise specified, you confirm that you are not a relative of any of our or our subsidiary’s or fellow subsidiary’s directors, employees with lending authority or shareholders holding 10% or more of our issued shares (“specified persons”). Moreover, none of the specified persons mentioned herein is your guarantor of any other matters. You agree to notify us in writing as soon as reasonably practicable if you subsequently become aware of any change in the aforesaid status;
• We will serve a written notice to you at your correspondence address set out in the application form if we accept your application;
• the Credit Card Terms and any important notes and related terms that we have provided to you in connection with the credit card shall form part of the banking agreement and you confirm that you have read and understood them and agreed to be bound by them;

You understand and agree that for the purpose of reviewing your existing credit facilities, we may access your data held with a credit reference agency in accordance with the provisions of the Code of Practice on Consumer Credit Data. We may also access your data from the credit reference agency from time to time for the same application if the application has remained outstanding for over 30 days. You understand and agree that the Bank reserves the right to cancel or not to proceed with this application if the required documents and/or application information are not provided within 30 days from the date of the application, and/or the relevant requirement(s) is not met. You further confirm and agree that we may give any information in connection with this application (including your personal information) to the parties (whether situated in or outside of the Hong Kong Special Administrative Region of the People’s Republic of China) and for the purposes as set out in the Notice.

You understand that sales staff of the Bank receives remuneration with reference to the performance of the relevant staff for promoting various banking and related services that provided by the Bank. The remuneration structure is subject to review by the Bank from time to time and includes salaries, incentives, bonuses, etc.

If there is any inconsistency between the English version and the Chinese version of this application form, the English version prevails.

(Applicable to employees of the Bank only) I hereby authorize the Bank to retrieve my employment information in the Bank (including my salary information) for the purpose of credit assessment and processing my application(s)

Changes effective 30 December 2022: Download PDF »

Changes effective 01 November 2023: Download PDF »

Download PDF »

Download PDF »

Download PDF »

Please click here »

• Standard Chartered Priority Banking Credit Card
• Standard Chartered Cathay Mastercard / Standard Chartered Cathay Mastercard – Priority Banking / Standard Chartered Cathay Mastercard – Priority Private
• Standard Chartered Simply Cash Visa Card
• Standard Chartered Smart Credit Card
• Standard Chartered Titanium Credit Card

Terms & Conditions for Points Redemption

Terms & Conditions for Credit Card Instalment Plan

Terms and Conditions of Priority Banking 360° Rewards (AsiaMiles)

Terms and Conditions of Premium Banking 360° Rewards (AsiaMiles)

Preferred Banking Credit Card 360° Rewards Programme Terms and Conditions

Note to Standard Chartered Credit Card Cardholder - Temporary Credit Limit Extension

Note in Relation to Receiving Notification Letter/ Notice of Change

Notice to customers and other individuals relating to the Personal Data (Privacy) Ordinance (“Ordinance”) and the Code of Practice on Consumer Credit Data