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Experience premium global banking with Multi-Currency Mastercard Debit Card

Lock in your preferential FX rates with our FX Trading Platform. Spend smarter on all local & overseas with expenses directly deducted from your account. Enjoy 0.5% cash rebates with 0 handling fees, no FX mark-up, and effortless control over 11 major currencies.   Apply now and complete eligible actions to receive a HKD200 Klook promotion code!
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Enjoy borderless payments with Multi-Currency Mastercard Debit Card
— now available for Premium and Easy Banking clients

Lock in your preferred FX rates for 11 major currencies with SC Mobile. Enjoy FX mark-up waiver on all local & overseas spending with direct debit from your account, plus 0.5% cash rebate.   Apply now and complete eligible actions to receive a HKD200 Klook promotion code!

Shop with ease and spend freely wherever you go with the Multi-Currency Mastercard Debit Card

Shop conveniently online

Convenient access across 11 major currencies

  • Prepare sufficient foreign currency deposits via SC Mobile at your preferred rate²³. Spending & withdrawal will be directly debited from the corresponding deposits.
  • Currencies supported: HKD, RMB, AUD, CAD, CHF, EUR, GBP, JPY, NZD, SGD and USD
Travel more easily

Fee–free spending & withdrawal

  • Enjoy 0.5% rebate on all local & overseas spending
  • 0 handling fees on foreign currency spendings, saving 1.95% FX mark-up.
  • Free cash withdrawal ⁵worldwide from ATMs carrying Mastercard© or Maestro logos¹⁵⁶⁷.
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Manage your Debit Card at your fingertips via SC Mobile

Get set for your journey using SC Mobile:
  • Set your overseas ATM daily withdrawal limit and duration
  • Check FX rate and exchange foreign currencies
  • Buy travel insurance

Tips for travelling with your card

Set your limits

You can set your overseas withdrawal limits and duration with your SC Mobile app before your trip for even greater peace of mind.

Check your funds

Remember to double-check if your foreign currency account has sufficient funds to cover your expenses during your trip!

Select the right account

When making a withdrawal at an overseas ATM, make sure you have selected your Savings Account and not your Credit Card or Current Account.

Promptly deactivate your overseas withdrawal

Deactivate the overseas ATM withdrawal function immediately if you return to Hong Kong earlier.
Do not have an Integrated Deposits Saving Account yet?
Open an account now! You will need an Integrated Deposits Account to apply for the Debit Card:
• For a new client, open with SC Mobile app or visit a branch (click here to book an appointment)
• For an existing client, open in Online Banking
Your current banking plan is not Priority Private or Priority Banking?
Click here to visit the upgrade page or visit any of our branches to upgrade your account to Priority Private or Priority Banking.
Do not have SC Mobile?
Click here to download SC Mobile app.

Useful Materials

Priority Private Multi-Currency Mastercard Debit Card User Guide

Priority Banking Multi-Currency Mastercard Debit Card User Guide

Premium Banking Multi-Currency Mastercard Debit Card User Guide

Multi-Currency Mastercard Debit Card User Guide

You can now activate your card and set PIN, manage overseas withdrawal,  temporarily block a card , report a lost card and replace a card via SC Mobile App. Click here to learn more.

You may also submit the following form to our branch for daily withdrawal limit adjustment. Please refer to below form:

Banking Plan and Banking Services Maintenance/Termination Form

Please click here to learn more on dispute resolution.

  1. If there is insufficient available foreign currencies in the Account to settle the full amount of the transaction, or the transaction made is denominated in a currency outside of the supported 11 currencies of the Account, the transaction amount will be converted into HKD at an exchange rate we reasonably consider appropriate and the equivalent converted amount in HKD will be debited from the linked HKD Account. A foreign exchange rate mark-up fee of 0.95% on the full amount of the transaction will be charged to the Account. Please note that in case you have insufficient funds in HKD, the transaction will be rejected. For details, please refer to the Service Charges and Standard Chartered Multi-Currency Mastercard Debit Card Terms and Conditions.
  2. Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the customer converts deposit from the foreign currency to another currency (including Hong Kong Dollar).
  3. Renminbi (“RMB”) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including Hong Kong dollars); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.
  4. Before physical card activation, you can use the virtual card for online shopping only at websites which require SMS One-Time Password (OTP) to validate your transactions.
  5. The overseas cash withdrawals may also be subject to fees and charges imposed by the overseas local bank which provides the ATM service. Please pay attention before making cash withdrawal.
  6. Only HKD and RMB are available for cash withdrawals in local Standard Chartered ATMs and JETCO ATMs.
  7. Please pay attention to the relevant fees and charges when using ATM services at Mastercard® ATM network in Hong Kong. For details, please refer to the Service Charges or contact our staff.
  8. Terms & conditions applies. For details , please click here.

Terms and Conditions

Terms and Conditions of Standard Chartered Multi-Currency Mastercard Debit Card Klook Promotion Code Rewards