Find the freedom to enjoy the life you want to live now!

Whether you are at a stage where your career is starting to take off along with your income, or you just started having a young family with increasing household expenses, you may often face moments where you find yourself hesitant on making a purchase – not necessarily because you cannot afford it, but just the fact that you have to pay it off in one go could feel a little stressful.

What you are really looking for may be some “buffer time” for your repayments. In other words, the flexibility to split your bills into payments by instalment. For most credit cards, instalment payment is often quite restrictive and seems not as good a deal when interest is charged.

With the new Standard Chartered Smart Card, however, you can enjoy a 3 month interest-free instalment^ when you split your bills for any retail spending over HKD500 and use it on unlimited number of purchases.

So, when you need to buy new furniture for your home or feel like pampering yourself with  a designer handbag – the 5-figure purchase that costs you an arm and a leg when paid off in one go becomes a lot less of a heartache when split across a 3-month repayment period.

Improving how you live usually also comes along with extra unexpected expenses – no one understands that more than young families for instance, who become car owners.

With cars, inevitably there will be all sorts of trouble to deal with, be it a cracked radiator, a flat tyre etc. and the associated expenses that follow.

Then comes the expenses on your kids. Be it musical instruments, extra-curricular activities, educational materials required throughout their school years or even before they start school, all of which can be quite costly. Yet, once your kids have shown interest in something, you can barely say “no” to them just so you can save some money.

So, when the pressure of various fees come knocking on your door, splitting your bills and paying by instalment may just be the help you need.

Moreover, in the pursuit of a better life, you are likely advancing in your career as well and perhaps may just be that newly promoted Team Leader.

The thing is though, sometimes your promotion may be one that brings a raise in title but not quite the salary increase you hoped for. Yet now that you are a Team Leader, there will be additional pressures to spend.

A celebratory feast to thank a team of 6 or 7 people for their hard work in launching a project would easily run up a hefty HKD5,000 bill – and that, is when the added flexibility of an interest-free instalment option can save the day. And most importantly, you can keep to your budget and not overspend.

Handbags are not a monthly purchase; car repairs are not a monthly occurrence; and musical instruments are once-off purchases that can last for many years. What makes the difference, is taking away the stress and heartache of having to pay for all these things in one go. Standard Chartered Smart Card lets you spread out your repayments, so you can enjoy life in the now, with less financial stress.

What’s more? With no annual fee ever, the Smart Card gives you a massive 5% CashBack* from Monday through to Sunday, for anything you buy, whenever you shop at various designated everyday merchants, such as PARKnSHOP, Watsons, 759 STORE, Circle K Convenience Store, foodpanda and the recently very popular DON DON DONKI etc.!

Say goodbye to complicated deals? You can now earn and save on your everyday spending, anytime, any day, with no minimum spending requirement! ‎‎‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎ ‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎