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^A New Cardholder refers to an applicant who does not currently hold and has not cancelled any Standard Chartered or MANHATTAN principal credit card issued by Standard Chartered Bank (Hong Kong) Limited within the past six months from the approval date of the currently applied Standard Chartered principal credit card.

1. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualized rate. In general, the Instalment Amount is a fixed amount to be charged to the Card Account on a monthly basis, while the APR for the first instalment may be impacted by the loan disbursement date.

2. Application requirements:
• a) Standard Chartered credit card or Standard Chartered co-branded card (Except UnionPay Dual Currency Platinum Credit Card RMB account and Corporate Card) account holders are eligible to apply for the Plan.
• b) The minimum amount of each Statement Instalment Transaction is HKD500 (only applicable to new retail purchases charged to a single account). Retail transactions charged to different accounts could not be applied under the same Plan.

3. The availability of exclusive personalized Monthly Handling Fee of 0.19% is individualized and subject to account status checking. Different Statement Instalment Transactions could not be combined for the purpose of calculating the handling fee. Monthly Handling Fee ranges from 0.19% to 1.35%.

4. Annualised Percentage Rate (APR) of 0.19% Monthly Handling Fee is:

For Statement Instalment, this APR is calculated in the assumption that the instalment application date is 25 days prior to the statement repayment date, and the first two months handling fee will be posted in the next monthly statement.

An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualized rate. In general, the Instalment Amount is a fixed amount to be charged to the Card Account on a monthly basis, while the APR for the first instalment may be impacted by the loan disbursement date.

Please note there is no difference in the total handling fee (or total absolute amount of interest) charged and repayment amount between Non Statement Instalment and Statement Instalment.

5. Daily handling fee is calculated based on 30 days per month.
If you choose to repay the total Statement Instalment Transaction Amount outstanding in full for each Statement Instalment Transaction prior to the end of the Instalment Period, or if the Card Account on which the Statement Instalment Transaction Amount appears is cancelled due to any reason, the total Statement Instalment Transaction(s) Amount outstanding at the relevant time and the Monthly Handling Fees (if applicable) for the remaining Instalment Period will be immediately due and payable. Also, administration fee for early repayment of HKD150 for each Statement Instalment Transaction will be charged directly to your Card Account.

Example (for indication purpose only):

If you repay the total Statement Instalment Transaction Amount after the 6th month, you shall be liable to pay the remaining period of 6 months of:
= Total Statement Instalment Transaction Amount outstanding + Monthly Handling Fees
= HKD15,000 / 12 x (12-6) + HKD15,000 x 0.25% x (12-6)
= HKD7,725
plus an administration fee of HKD150, = HKD7,875.

Application hours for registration hotline: 9a.m. to 10p.m. daily (Monday – Sunday).