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Indoors, Restaurant, Cafeteria

Smart Card x The Coffee Academics

New cardholders2 who successfully apply for a Smart Card via this page, can enjoy extra HKD450 The Coffee Academics Free Coffee Vouchers on top of the basic Welcome Offer of HKD1,200 CashBack. It’s time for your to indulge in your favourite coffee at The Coffee Academics now!

Standard Chartered Smart Credit Card

From 15 April to 31 August 2024, earn The Coffee Academics Free Coffee Vouchers worth HKD450 and experience crafted specialty coffee at The Coffee Academics when you successfully apply for a Smart Card via this page.

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.

Cup, Disposable Cup, Body Part

Limited-time welcome offer with The Coffee Academics Free Coffee Vouchers worth HKD450

    New cardholders2 who scan on-site QR code at The Coffee Academics and use the designated link to successfully apply for a Smart Card, can receive 10 pieces of The Coffee Academics Free Coffee Vouchers (worth HKD450) as an extra welcome reward.

    Promotion starts from 15 April to 31 August 2024.

    Enjoy the Buy-1-Get-1-Free Offer using Smart Card

    You can also enjoy the Buy-1-Get-1-Free Offer every Monday when you spend on any of your favourite coffee of other beverages worth HKD45 or below using Smart Card at The Coffee Academics.

    Promotion starts from 15 April to 15 July 2024 (every Monday).

    Remarks of Buy-1-Get-1-Free Offer:

  • Offer is applicable to designated The Coffee Academics outlets in Hong Kong.
  • Cardholders are entitled to a maximum of one complimentary drink per transaction per day under the Offer.
  • Applicable to dine-in and takeaway orders.
  • Cardholders must indicate their intention to use their Smart Card when ordering and before making payment to enjoy the offer.
  • A 10% service charge is applied to dine-in orders only and based on the original price (including the price of complimentary beverage(s)).
  • The complimentary drink shall be of a value that is equal to or lower than the lowest value of the ordered beverage(s) in one transaction and must be redeemed immediately with the purchased beverage.
  • Quotas apply while stocks last.
  • Terms and conditions apply.

Text, Scoreboard, Nature

Offer available at the designated The Coffee Academics outlets:

  • SCB L2, Des Voeux Rd, Central
  • Johnston Road, 35-45 Johnston Rd, Wanchai
  • The Unit, 17 Yik Yam St, Happy Valley
  • WorFu, Shop G31, G/F, 21-35 Wharf Rd, North Point
  • The Pulse, Shop 108, 26 Beach Rd, Repulse Bay
  • Landmark East, Shop 2, Ground Floor, AIA Kowloon Tower, 100 How Ming St, Kwun Tong
  • Langham Place, Shop 13, 4/F, Mongkok
  • Harbour City, Shop 4201, Level 4, Gateway Arcade, TST
  • K11 Musea, Shop 327, L3, TST
  • Festival Walk, G/F S3 & S4 Kiosk, Kowloon Tong
  • Sai Kung, 55 See Cheung St
  • Discovery Bay, G65 Discovery Bay Plaza
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

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!


Earn springtime rewards monthly with Instant Loan

Enjoy springtime exclusive miles or CashBack rewards and get a chance to win round trips for two to Paris.

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 April 2024 to 3 July 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, 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!