You're about to leave our website

This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group ( the "Bank").

The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the terms of use and privacy policies of the third party website that you are going to visit.

Proceed to third party website
Photography, Face, Happy

Smart Card Welcome Offer

Apply now to enjoy HKD800 CashBack or Two HKGPPF voucher with Infinity Room Access1,2!
Concert, Crowd, Person

New Merchant – HK Ticketing

Apply Smart Card now to earn 5% CashBack at HK Ticketing.
Dating, Person, Romantic

Earn 5% CashBack all year long at Häagen-Dazs™

Apply now to enjoy welcome offer of HKD800 CashBack or Two HKGPPF voucher with Infinity Room Access1,2!
Hk smart masthead travel no fees en

No Foreign Currency Transaction fees during travel

Waive 1.95% fee and earn 0.56% CashBack on foreign currency retail transaction
Hk smart fps cashflow en

Create monthly extra HKD60,000 cashflow with Smart Card

Enjoy interest and handling fee waiver for the first HKD60,000 monthly cash out via FPS, along with 3 months of interest-free instalments.
One young man holding SC Smart Card with pose, used to promote SC Smart Card

3-month interest free instalment

3-month interest free instalment for designated retail spending amount: no handling fee, no interest, no instalment quota
Hk cc softhard conert mil ticket

Shoutout to all fans

【Promotion ended. Thank you for your support】Spend with Standard Chartered Smart Card to win 2 Tickets!

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.

Hk cc smart welcome offer en

Welcome offer: HKD800 CashBack or Two HKGPPF vouchers with Infinity Room Access

    From now to 2 October 2024, New Cardholders2 can enjoy HKD800 CashBack or Two HKGPPF vouchers with Infinity Room Access upon making Accumulated Eligible Transactions3 of HKD3,500 within the first month from the date of issuance.

Cup, Disposable Cup, Beverage

Enjoy Buy-1-Get-1-Free offer at The Coffee Academics

    From now till 30 September 2024, enjoy Buy-1-Get-1-Free offer everyday when you spend on any of your favourite coffee or other beverages worth HKD45 or below using Smart Card at The Coffee Academics. Please click here for details.

Smart Card Shop easy, pay easy!

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$2,000 or above.

    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.^

Logo, Text

Year round 5% CashBack* at Designated Merchants, earn and save on your everyday spending

    Grocery shopping & Home: 759 Store, Circle K Convenience Store, HKTVmall, Japan Home Centre, PARKnSHOP

    Beauty & Health care: Sa Sa, Watsons

    Food and beverage: Deliveroo, McDonald’s®, Häagen-Dazs™

    Sport & Entertainment: Decathlon, Klook, HK Ticketing, selected online video and music streaming platforms

    Digital Lifestyle: China Mobile Hong Kong and s/ash

    No minimum spending requirement.

    Learn More

No Fees cartoons image

No foreign currency transaction fees during travel and No other fees

  • Waive 1.95% fee and earn 0.56% CashBack on foreign currency retail transaction
  • No annual fees
  • No Cash advance fees
  • Learn More

Credit Card Promotions & Services

《McDonald’s presents Music is Live Softhard No.3 Broadcast Drive Fans Club Gathering》Ticket Lucky Draw

【Promotion ended. Thank you for your support】New cardholders2 who successfully apply for a Standard Chartered Cathay Mastercard® or Smart Card on or before 30 June 2024 and get it approved by 10 July to receive 100 lucky draw chances to win 2 MIL tickets. From now till 10 July 2024, you can also earn an extra chance for every HKD500 spent in a single transaction using your card. There is no limit on the number of lucky draw chances. The more you spend, the more chances of winning.

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!


Credit Card Instant Loan

Fulfill your financial needs with Instant Loan in 30 seconds and earn up to HKD5,000 CashBack or 60,000 Asia Miles rewards.

360° Rewards Redemption Platform

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


Visa Signature offer

Enjoy Visa Signature offers with Smart card around the globe

Credit card hot promotions

Enjoy year-round and the latest offers

Eligibility & Documents


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


    • 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

#Applicable for retail spending over HKD2,000 or above.

^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.

Smart Card Welcome Offer
  1. From 4 July 2024 to 2 October 2024
  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, transactions made at security brokers or dealers, 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 Features

Ⓐ Promotion period: From 1 January to 31 December 2024

Ⓑ 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
  • China Mobile Hong Kong & s/ash. CashBack for Eligible Transactions that are made up of interest-free merchant instalment will be awarded to the Card account on a monthly basis and only for the instalment amount that is posted to the Card account during the specific Promotion Period.
  • Circle K Convenience Store
  • Decathlon
  • Deliveroo
  • Häagen-Dazs™
  • HKTVmall retail stores & eShop
  • Japan Home Centre retail stores & eShop
  • Klook
  • HK Ticketing (valid from 20 March 2024)
  • McDonald’s® & McDonald’s App
  • PARKnSHOP, 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 stores & eShop
  • Watsons retail stores & eShop
  • Online video streaming platforms: Amazon Prime Video, Disney+, Netflix, Now TV
  • Online music streaming platforms: JOOX, KKBOX, MOOV, Spotify

Ⓓ 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 2024 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!