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Enjoy 3-month Interest-free Instalment for unlimited retail purchases. Enjoy up to HKD1,800 CashBack for new cardholders

Standard Chartered Smart Credit Card

Earn and save on your everyday spending. All you need is ONE card – get the whole family to apply now!

Welcome offer

To enjoy the welcome offer of up to HKD1,800 CashBack, new cardholders² must fulfil the below requirements within the first 2 months from the date of card issuance.

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Up to HKD1,000 CashBack³ on all Eligible Transactions⁴

• First HKD4,000 eligible transactions within the first 2 months from the date of card issuance can enjoy 25% CashBack³, subject to a maximum of HKD1,000 CashBack

• No minimum spending requirement for this offer

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Up to HKD500 CashBack for setup of Eligible Recurring Transactions⁵

• Set up an eligible recurring transactions with merchant within the first 2 months from the date of card issuance can enjoy HKD100 CashBack

• Applicable to a setup of maximum 5 recurring transactions, subject to a maximum of HKD500 CashBack

• No minimum spending requirement for each recurring transaction

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HKD100 CashBack for new Online Banking users

New users who sign up for Online Banking for the first time and complete the first login within the first 2 months from the date of card issuance can enjoy HKD100 CashBack

 

What you need to prepare for signing up:

• Phone Banking Card Number (the 16-digit of the Credit Card Number)

• TIN and mobile phone

For Online Banking registration demonstration, Click here to Learn More.

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Extra HKD200 CashBack for Statement Instalment plan

Successfully apply for a statement instalment plan in the first 2 months to earn HKD200 CashBack

Click “Apply Now” on this website or click Smart Card account and “Split Your Bills” on Standard Chartered Mobile.

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.

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

    Say goodbye to complicated cashback deals of most credit cards. With the Smart Card, you can enjoy a massive 5% CashBack when you shop at DON DON DONKI, 759 STORE, Watsons, Circle K Convenience Store, foodpanda, PARKnSHOP and its designated retail stores, with no minimum spending requirement.

    Learn More

3-month Interest-free Instalment for UNLIMITED number of purchases

    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.

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

 

Eligibility

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

Documents

    • Your 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. Welcome offer is only applicable to New Cardholders.
  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. CashBack rewarded under 25% CashBack offer includes the CashBack earned from the prevailing Standard Chartered Smart Credit Card Rewards Scheme.
  4. “Eligible Transactions” means retail transactions (including online transactions) but does NOT include the following: any transfer/top up transaction from the Card account to any account as designated by the Bank from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking, transactions made at merchants in the gambling and betting, security brokers or dealers according to the merchant codes issued by Visa International from time-to-time, etc. For details, please refer to the terms and conditions.
  5. Eligible recurring transactions is defined by the specific merchants, Acquiring Banks and VISA from time to time. The Bank does not define those recurring transactions. Any autopay authorization between cardholder and the Bank would not treat as eligible recurring transactions.
  6. Transactions made with insurance companies or associated with insurance are not considered as eligible recurring transactions.
  7. Only applicable to New Cardholders who have never signed up for Online Banking with the Bank on or before 31 March 2021.
  8. For the terms and conditions of the welcome offer, please click here.
  9. You only need your Phone Banking Card Number (the 16-digit of the Credit Card Number), TIN and mobile phone to sign up for Online Banking. For Online Banking registration demonstration, please click here. If you forget your Username or Password after registration, you may reset with your Phone Banking Card Number (Smart Credit Card) and TIN again.

*Smart Card Features

Ⓐ Promotion period: From the date of card issuance to 31 December 2021

Ⓑ 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 reward (“CashBack”) to the Card account as shown in the list below.

Ⓒ Eligible Transactions made at below merchants can earn HKD1 CashBack for every HKD20 spent (5% Cashback Percentage)

  • DON DON DONKI
  • 759 STORE
  • Watsons
  • Circle K Convenience Store
  • foodpanda
  • PARKnSHOP and its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, SU-PA-DE-PA (applicable to Supermarket section only), EXPRESS and PARKnSHOP Frozen Food Stores outlets).

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

Ⓔ The maximum spending amount of Eligible Transactions that are made at Designated Merchants and qualified for the 5% CashBack Percentage is HKD60,000 per Card account within the promotion period. Any amount in excess 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!