Straight2Bank
Standard Chartered Smart Credit Card
Year-round Offer
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Up to 5% CashBack
On designated everyday merchants. No registration and available every day*.
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Fees, Goodbye!
No foreign exchange fees, no annual fees, no cash advance fees. Ever.
Welcome Offer: Unlimited 3-month 0% handling fee instalment plan
By 30 September 2026, New Cardholders apply Credit Card Instalment Plan can enjoy unlimited 3-month 0% handling fee offer
Up to 5% CashBack* at Designated Merchants, earn and save on your everyday spending
Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
Beauty & Health care: Watsons, Sasa
Food and beverage: McDonald’s Hong Kong, Foodpanda
Sport & Entertainment: Klook
Digital Lifestyle: China Mobile Hong Kong and s/ash
Minimum spending requirements apply.
No foreign currency transaction fees during travel and No other fees
- Waive 1.95% fee and earn 1.2% CashBack on foreign currency retail transaction
- No annual fees
- No Cash advance fees
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!
SC CASH: Instant Loan
Need extra cash? It’s a piece of cake with SC CASH Instant Loan. Apply now and enjoy daily interest as low as the price of a cupcake.
Credit Card Statement Instalment Plan
Split your purchases and FPS bills with Credit Card Instalments, enjoy up HKD700 CashBack
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
Bonus Saver Campaign
New Bonus Saver clients can earn up to HKD1,200 a year upon monthly spending of HKD10,000 or above with SC Credit Card plus a Limited Edition Standard Chartered Mickey Keep It Real 999.9 Gold Coin
*Smart Card Features
Ⓐ Promotion Period: 1 Aug 2026 to 3 January 2027
Ⓑ 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 (“Eligible Transactions”, as defined in Clause 3 of the Standard Chartered Smart Credit Card Rewards Scheme (“Rewards Scheme”) Terms and Conditions ), according to the accumulated spending amount in Eligible Transactions made on a monthly statement cycle basis (“Monthly Eligible Spending”) in the form of CashBack reward (“CashBack”) to the Card account as shown in the table below:
| EXTRA CASHBACK |
| BASIC CASHBACK | TOTAL CASHBACK# | |
|---|---|---|---|---|---|
| Monthly Eligible Spending* | CashBack for Eligible Transactions made at Designated Merchants | Spending Cap per Monthly Statement Cycle | CashBack for Eligible Transactions | Spending Cap per Monthly Statement Cycle | |
| HKD 4,000 to HKD 14,999 | 4.44% | HKD5,000^ | 0.56% | Unlimited | 5% |
| HKD 15,000 | 3.80% | 1.2% | 5% |
*For the avoidance of doubt, if Cardholder’s Monthly Eligible Spending is less than HKD4,000 in a particular month, Cardholder will not be entitled to any CashBack in that month.
#The 5% CashBack Percentage includes the Basic Cashback, the applicable percentage depends on the tier of the Monthly Eligible Spending.
^The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the Extra CashBack (i.e. the 5% Cashback deducting Basic Cashback) is HKD5,000 per Card account within a monthly statement cycle. Any amount of the Eligible Transaction in excess of the HKD5,000 Spending Cap will be counted as Other Eligible Transactions (i.e. Basic Cashback).
Ⓒ Designated Merchant list for Extra Cashback:
- 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
- Foodpanda
- HK Ticketing (Promotion until 14 February 2026)
- HKTVmall
- Klook
- McDonald’s Hong Kong
- PARKnSHOP, its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, EXPRESS and PARKnSHOP Frozen Food Stores outlets) & PARKnSHOP eShop
- Watsons retail stores & eShop
- Sasa (retail stores)
Ⓓ Eligible Transactions made at Designated Merchants must be completed and posted during your Statement cycle of each month in 2026 (i.e. the posted transactions as shown in your 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.
Ⓔ For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions.
How to check your Monthly Statement Cycle?
Step 1: Check your Credit Card Statement.
Step 2: Check your Statement Date shown on your Credit Card Statement. For example, if your Statement Date is 16th December on your Statement issued in December 2025, your Statement Date is 16th of every month.
In this case, your cycle calculation for first 3 month would be:
| POSTED DATE OF YOUR TRANSACTION | CYCLE | SPENDING CAP fOR EXTRA CASHBACK |
|---|---|---|
1 January 2026 – 16 January 2026 | Cycle 1 | Statement cycle monthly cap at HKD5,000 |
17 January 2026 – 16 February 2026 | Cycle 2 | Statement cycle monthly cap at HKD5,000 |
17 February 2026 – 16 March 2026 | Cycle 3 | Statement cycle monthly cap at HKD5,000 |
