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HKTV Mall Van with earn 5% CashBack slogan, promoting Standard Chartered Smart Card Cashback discount

Smart Card HKTVmall Offer is Back!

Earn 5% CashBack all year round when shopping at HKTVmall

Terence lam and the card face of Smart Card

Spend Smart, Pay Later

3-month interest free instalment for retail spending over HKD500 or above: no handling fee, no interest, no instalment quota

Guitar, Leisure Activities, Musical Instrument

Get the most out of your salary with Easy Banking Bonus Payroll Account

Earn at least 2% cash rewards on all eligible spending and up to 9.5% cash rewards for designated merchants with Smart Card!

Standard Chartered Smart Credit Card

Earn and save on your everyday spending. All you need is ONE card!

Year-round Offer

3-month 0% Interest Instalment

Stress-free spending, split your credit card bills with 3-month interest-free instalment

Massive 5% Rebate

On designated everyday merchants. No registration, no minimum spending, available every day*.

Fees, Goodbye!

No foreign exchange fees, no annual fees, no cash advance fees. Ever.

Credit card welcome offer

From 30 September 2022 to 4 January 2023, New Cardholders² fulfil below requirements can enjoy HKD1,200 CashBack credit card welcome offer:

Smart Card Shop easy, pay easy!

Spend Smart, Pay Later

    3-month interest free instalment: no handling fee, no interest, no instalment quota

    Enjoy shopping with easy repayments! In just a few clicks, you can split your credit card bills in 3 months, through instalments with no interest and no handling fees, for retail spending over HK$500 or above.

    Example:
    Card spending: $9,000
    Instalment Tenor: 3 months
    Monthly repayment = $9,000/3 = $3,000
    Total repayment amount = $9,000

    Note: The Bank will deduct HKD1 CashBack on the 360° Rewards Redemption Platform for every HKD180 instalment amount applied. Example: For an instalment amount of HKD9,000, the Bank will deduct HKD50 CashBack.^

    If you select tenor of 6 months or above, the handling fee is as low as 0.15%. Click to learn more for our Statement Instalment Plan.

HKTV Mall Van with earn 5% CashBack slogan, promoting Standard Chartered Smart Card Cashback discount

Smart Card HKTVmall Offer is Back!

    From 1 September onwards, earn 5% CashBack with your Smart Card when you shop at our designated everyday merchant HKTVmall.

    No registration, no minimum spending, and available every day*!

    Learn More

Cooperate brand Logos with SC Smart Card

A massive 5% CashBack*, earn and save on your everyday spending

    Say goodbye to the complicated CashBack deals of most credit cards. With Smart Card, you can enjoy a massive 5% CashBack when you shop at 759 Store, Circle K Convenience Store, foodpanda, Klook, McDonald’s® & McDonald’s App , PARKnSHOP and its designated retail stores & PARKnSHOP eShop, Sa Sa Retail Store & eShop, Watsons retail stores & eShop, ZALORA plus major online video and music streaming platforms, with no minimum spending requirement.

    Learn More

No Fees cartoons image

Fees, Goodbye!

    Permanently waive the following fees, no registration is required:

    ✕ Annual fees

    ✕ Foreign exchange fees (including online purchase in foreign currencies)

    ✕ Cash advance fees

    Learn More

Credit Card Promotions & Services

Pay bills and make transfers without fees

Skip the fees. Now you can pay your rent, education expenses, car park fees and even your family and friends with your credit card without handling fees!

 

Instant cash from your credit card

Extra cash is just one click away! Enjoy the exciting experience of instant approval in 30 seconds and instant disbursement via FPS with the Smart Card!

 

360° Rewards Redemption Platform

360° Rewards Redemption Platform now serve with refresh outlook enable you to redeem rewards with your earned Points and CashBack

 

Smart Card Referral Programme

Refer your friends and have a chance to win HKD8,000 CashBack

Eligibility & Documents

Eligibility

  • Hong Kong resident aged 18 or above
  • Annual income of HKD96,000 or above

Documents

    • Your valid adult Hong Kong Identity Card
    • Your latest residential address proof showing your name
  • For regular income earners, please enclose your latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries
  • For irregular income earners, please enclose your latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing your name, account number and salary entries
  • For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note

    Note: The bank reserves the rights of requiring more supportive documents for further review.

Smart Card 3-month Interest-free Instalment Remarks

^For spending amounts that are not eligible to earn CashBack (e.g. bill payment transactions made through Standard Chartered Online Banking), the Bank will also deduct HKD1 CashBack for every HKD180 instalment amount applied. Where there is insufficient CashBack balance on the 360° Rewards Redemption Platform for deduction, a negative balance will be displayed.

Note
Smart Card Welcome Offer
  1. From 30 September 2022 to 4 January 2023.
  2. New Cardholders are applicants 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 principal card of the Standard Chartered Credit Cards.
  3. “Eligible Transactions” are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase but do not include without limitation cash advances, gambling tokens, insurance payment, bill payment (including but without limitation tax and utilities payment) via Internet/ATMs/Phone Banking Services or other available means, any money/electronic money transfer (including but not limited to any transfer made via person to person (P2P) payment services or mobile device/app/electronic funds transfer platform), unposted/cancelled/refunded/falsified/unauthorized transactions, any transfer/top up transaction from eligible cards to any account designed by the Bank from time to time, including but not limited to Octopus O!ePay, Alipay account and other digital payment account as may be made available by the Bank from time to time.
  4. For the terms and conditions of the Welcome Offer, please click here.
Smart Card Spring and Summer Offer

(Updated on 3 May 2022)

A. Details of the reward categories under the Spring and Summer Offer are as follows:

TOTAL PERCENTAGE OF CASHBACK EARNED FOR EACH REWARD CATEGORY
OFFER PERIOD
COMPONENTS FOR TOTAL PERCENTAGE OF CASHBACK EARNED
TOTAL MAXIMUM CASHBACK EARNED DURING ENTIRE PROMOTION PERIOD
8% for Eligible Merchant Transactions 1 April to 31 August 2022 7.44% under Spring and Summer Offer + 0.56% under Smart Card Rewards Scheme HKD800
5% for Eligible Department Store Transactions 3 May to 31 August 2022 4.44% under Spring and Summer Offer + 0.56% under Smart Card Rewards Scheme

B. CashBack will be offered ONCE only if the same Eligible Transaction falls under multiple reward categories.

C. A maximum CashBack of HKD800 can be earned per card account under the Spring and Summer Offer within the promotion period.

D. No registration, no minimum spending required and available every day.

E. For more details, please refer to Standard Chartered Smart Credit Card Spring and Summer Offer Terms and Conditions.

*Smart Card Features

Ⓐ Promotion period: From 1 January to 31 December 2022

Ⓑ Upon successfully signing up for and issued with a Standard Chartered Smart Credit Card, the Bank will rebate a certain percentage of the amount of the Eligible Transactions in the form of CashBack to the card account as shown in the list below.

Ⓒ Eligible Transactions made at below Designated Merchants can earn HKD1 CashBack for every HKD20 spent (5% CashBack percentage)

  • 759 STORE
  • Circle K Convenience Store
  • foodpanda, foodpanda mall and pandamart
  • HKTVmall (from 1 September 2022 onwards)
  • Klook
  • McDonald’s® & McDonald’s App
  • PARKnSHOP and its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, EXPRESS and PARKnSHOP Frozen Food Stores outlets) & PARKnSHOP eShop
  • Sa Sa Retail Store & eShop
  • Watsons retail stores & eShop
  • ZALORA
  • Online video streaming platforms: Amazon Prime Video, Disney+, Netflix, Now TV (from 16 March 2022 onwards)
  • Online music streaming platforms: JOOX, KKBOX, MOOV, Spotify (from 16 March 2022 onwards)

Ⓓ Other eligible transactions can earn HKD1 CashBack for every HKD180 spent (0.56% Cashback Percentage)

Ⓔ The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the 5% CashBack Percentage is HKD60,000 per Card account within the promotion period. Eligible Transactions made at Designated Merchants must be completed and posted on or before 31 December 2022 based on the transaction dates as shown on the credit card monthly statement, and the Designated Merchants’ name (as determined at the Bank’s absolute discretion) must be reflected as part of the transaction descriptions on such credit card monthly statement. Any amount in excess of the HKD60,000 cap will be counted as Other Eligible Transactions.

Ⓕ For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions.

To borrow or not to borrow? Borrow only if you can repay!