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One young lady ready to go travel and the card face of SC Cathay Mastercard, Smart card and multi currency card, used to promote SC split the bill page

Split the bills of your travel and other spend to enjoy 6-month handling fee rebate

Spend HKD500 or more on local retail/ overseas retail/ online transactions

Credit card offers

From 25 November 2022 to 31 January 2023, Standard Chartered credit cardholders can enjoy the following offers.

New experience with instant instalment!

Step 1

Click “Split Your Bills” on the selected bill or transactions through SC Mobile App


Credit Card Statement Instalment Plan Step 1
Step 2

Select the transactions you wish to pay by instalment and input details e.g. amount, 6 months tenor etc. to proceed

Credit Card Statement Instalment Plan Step 2
Step 3

Review details and submit with Instant approval


Credit Card Statement Instalment Plan Step 3
Pay smart, spend later and card face of SC Cathay Mastercard, Smart card and Dual Currency card

Split the bills of your travel and other retail spend to enjoy 6-month handling fee rebate¹

  • Eligible transactions and applications period: 25 November 2022 to 31 January 2023.
  • For local retail/ overseas retail/ online transactions of HKD500 or more.
  • Successfully applied for an instalment plan through SC Mobile App or online with 6 months repayment period.
  • Enjoy 6-month handling fee rebate to be credited within April 2023.
  • No amount limit on the eligible spending transactions of instalment plan with respect to the handling fee rebate in this promotion.

    • ✕ NOT Eligible: utilities bill and bill payment transaction / any money transfer via Faster Payment System / insurance payment / tax payment.

EXAMPLE 1: HANDLING FEE REBATE – NON STATEMENT INSTALMENT PLAN
TRANSACTION DATE
TRANSACTIONS DETAILS
APPLICATION DATE OF NON STATEMENT INSTALMENT PLAN
MONTHLY HANDLING FEE(%)2
DAILY HANDLING FEE3
TENOR
HANDLING FEE REBATE
25 November 2022 Eligible Retail Transaction – Merchant A HKD3,000 30 November 2022 0.15% HKD0.15 6 months HKD3,000×0.15%x6
= HKD27 rebate
1 December 2022 Eligible Retail Transaction – Merchant B HKD3,000 31 December 2022 0.2% HKD0.2 HKD3,000×0.2%x6
= HKD36 rebate
1 January 2023 Other transactions – Utilities bill / any money transfer via Faster Payment System / insurance payment / tax payment HKD4,000 31 January 2023 0.25% HKD0.33 NOT eligible to entitle handling fee rebate, need to settle HKD60 handling fee
Total HKD10,000 – – – – HKD123 handling fee in total /
HKD63 rebate in total
EXAMPLE 2: HANDLING FEE REBATE – STATEMENT INSTALMENT PLAN
TRANSACTION DATE
TRANSACTIONS DETAILS
APPLICATION DATE OF NON STATEMENT INSTALMENT PLAN
MONTHLY HANDLING FEE(%)2
DAILY HANDLING FEE3
TENOR
HANDLING FEE REBATE
25 November 2022 Eligible Retail Transaction – Merchant A HKD3,000 31 January 2023 0.25% HKD0.25 6 months HKD3,000×0.25%x6
= HKD45 rebate
1 December 2022 Eligible Retail Transaction – Merchant B HKD3,000 HKD0.25 HKD3,000×0.25%x6
= HKD45 rebate
1 January 2023 Eligible Overseas Retail Transaction / Online Transaction HKD3,000 HKD0.25 HKD3,000×0.25%x6
= HKD45 rebate
1 January 2023 Other transactions – Utilities bill / any money transfer via Faster Payment System / insurance payment / tax payment HKD1,000 HKD0.08 Not eligible to entitle handling fee rebate, need to settle HKD15 handling fee
Total HKD10,000 31 January 2023 0.25% HKD0.83 6 months HKD150 handling fee in total /
HKD135 rebate in total
Annualised Percentage Rate (APR) of 0.15% Monthly Handling Fee as an example:
ASSUME THE ELIGIBLE RETAIL TRANSACTIONS AMOUNT IS HKD500
NON STATEMENT INSTALMENT:
APPLY THE INSTALMENT LOAN BEFORE THE ISSUANCE OF CREDIT CARD STATEMENT
STATEMENT INSTALMENT:
APPLY THE INSTALMENT LOAN AFTER THE ISSUANCE OF CREDIT CARD STATEMENT
Tenor APR
6-month 0% and 3.36% (with and without 6-month handling fee rebate) 0% and 3.46% (with and without 6-month handling fee rebate)
12-month 3.36% 3.46%
18-month 3.44% 3.51%
24-month 3.47% 3.53%
  • Upon the Bank’s approval of the application for an Eligible Instalment Plan, a handling fee as determined and notified by the Bank from time to time will be charged to the Eligible Card account on a monthly basis during the Instalment Period. The Handling Fee Rebate will be credited to the Cardholder’s Eligible Card account on or before 30 April 2023.
  • For Statement Instalment, this APR is calculated in the assumption that the instalment application date is 25 days prior to the statement repayment date, and the first two months handling fee will be posted in the next monthly statement.
  • An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualized rate. In general, the Instalment Amount is a fixed amount to be charged to the Card Account on a monthly basis, while the APR for the first instalment may be impacted by the loan disbursement date.
  • Please note there is no difference in the total handling fee (or total absolute amount of interest) charged and repayment amount between Non Statement Instalment and Statement Instalment.
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Travel rewards:
Smart Card:
  • Permanently waive the foreign exchange fees (including online purchase in foreign currencies).
Visa Card:
  • 8% off selected hotel bookings at designated webpage of Hotels.com4
  • Please enter promo code VISA8 when check out.
  • Click here for details.
Standard Chartered Cathay Mastercard:
  • HKD2 = 1 Mile for spending on Cathay and HK Express.
  • HKD4 = 1 Mile for overseas spending.
Mastercard Travel Rewards:
  • Shop around the world with premium brands. Check out the available travel offers and sign up to enjoy cash rewards now4,5.
  • Please click here for details.
Remarks:
  1. For the avoidance of doubt, Eligible Transactions do NOT include utilities bill and bill payment transaction / any money transfer via Faster Payment System / insurance payment / tax payment and not with a tenor of 6 months are not eligible to the Promotion. The Bank reserves the final right in determining the definition of Eligible Transactions without prior notice.
  2. The availability of exclusive personalized Monthly Handling Fee of 0.15% is individualized and subject to account status checking. For avoidance of doubt, different Statement Instalment Transactions Plan could not be combined for the purpose of calculating the handling fee. Monthly Handling Fee ranges from 0.15% to 1.15%.
  3. Daily handling fee is calculated based on 30 days per month.
  4. The offers are provided by Visa or Mastercard and subject to related terms and conditions. Please refer to respective webpages for details.
  5. “Mastercard Travel Rewards” are only applicable to overseas spending made with an eligible card at designated merchants overseas. Local offers in Hong Kong are NOT available to Standard Chartered credit cards issued in Hong Kong.
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