Standard Chartered Credit Card Personal Cyber Insurance Plan

Download Credit Cards Key Facts Statement

1. Standard Chartered is not the provider of “A. Point Card Welcome Reward” and Lucky Draw. Standard Chartered shall bear no liability relating to any aspect of the rewards under this Promotion, including without limitation, their quality, the supply, the descriptions, any false trade description, misrepresentation, mis-statement, unauthorized representation, unfair trade practices or conduct in connection with the rewards under this Promotion as offered by AlipayHK. The offers may vary over time, please visit AlipayHK website for rewards details. Promotion period from 10 November 2025 to 3 May 2026.
2. New Cardholders refer to new clients 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. Point Card. New Cardholders should have successfully applied for the A. Point Card (“Eligible Card”) for the first time and never redeemed any “Q Credit Card Welcome Reward” or “A. Point Card Welcome Reward” of AlipayHK via the AlipayHK App (“AlipayHK App”). (“Eligible Cardholders”)
3. New to A. Point Card Cardholders refer to Existing clients of the Bank who currently hold any Standard Chartered Credit Card (except Eligible Cards) or MANHATTAN Credit Card issued by the Bank and should have successfully applied for the A. Point Card (“Eligible Card”) for the first time and never redeemed any “Q Credit Card Welcome Reward” or “A. Point Card Welcome Reward” of AlipayHK via the AlipayHK App (“AlipayHK App”).
4. A. Point Card enjoy 0% Taobao handling fee for first 5 transactions each month and after that 1.5% Taobao handling fee will be charged.
5. In each calendar month, A. Point Card holder can enjoy a transfer limit of up to HK$1,000 per month without handling fee when making transfers via A. Point Card in the Alipay HK App to another AlipayHK account (including sending Lucky Money, instant transfer, WhatsApp, FPS or SMS). After the relevant limit is exceeded, 1.5% transfer fee will be charged for A. Point Card.
6. The approval time is subject to clients’ individual circumstances.
7. For more details regarding to up to 10x A. Point reward for tax payment, please refer to Terms and Conditions of A. Point Card Extra 8x A. Point Tax Spending Reward.

• Promotion period: 10 November 2025 to 3 May 2026. Unless otherwise specified
• To be eligible for the Promotion, the Card should be applied and be approved during the Promotion Period

HKD1,000 valued coupon (“Offer”):

• (i) The Offer consists of one (1) HKD1,000 stored value coupon (the “Coupon”) and will be stored in the “Rewards Page” in AlipayHK App account of an Eligible Cardholder automatically upon approval of an A. Point Card. The Coupon can be used multiple times before the expiry date until the stored value of HKD1,000 has been used up.
• (ii) In order to use the Coupon, Eligible Cardholder is required to pay a minimum of HKD1 with A. Point Card in AlipayHK App for each transaction.
• (iii) The Coupon is applicable for tax payment and bill payment via the AlipayHK App, all platforms accepting the AlipayHK App for payment, eligible merchant outlets, and Taobao/Tmall Platform via A. Point Card in Taobao App, upon a single net transaction of HKD1.01 or above. The amount of single net spending shall be determined based on the real-time exchange rate in the AlipayHK system at actual time of transaction (the “Currency” tool in the AlipayHK App is for reference only).
• For more details, please refer to the Welcome Offer T&C.

Please click here for the full set of A. Point Card Welcome Offer T&Cs

• Promotion period: 1 December 2025 to 30 November 2026
• A. Point Card (formerly known as Q Credit Card) Cardholders are required to make a purchase with their A. Point Card during the Promotion Period

1. Spending Rewards (Please read T&C for details):

2. 0% Taobao handling fee

• A. Point Card (formerly known as Q Credit Card) cardholders enjoy 0% Taobao handling fee for first 5 transactions each month and after that 1.5% Taobao handling fee will be charged.

3. 0% handling fee by using AlipayHK transfer function

• In each calendar month, A. Point Card (formerly known as Q Credit Card) cardholder can enjoy a transfer limit of up to HK$1,000 per month without handling fee when making transfers via A. Point Card (formerly known as Q Credit Card) in the Alipay HK App to another AlipayHK account (including sending Lucky Money, instant transfer, WhatsApp, FPS or SMS). After the relevant limit is exceeded, 1.5% transfer fee will be charged for A. Point Card (formerly known as Q Credit Card).

Please click here for the full set of T&C