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New Bonus Saver Clients
Save every month and enjoy
up to HKD8,200/year

And enjoy exclusive rewards of up to 3,000 miles per quarter
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Earn miles alongside payday
Up to 3,000 miles quarterly for monthly salary credit!

Eligible Client who receives monthly salary credit of HKD20,000 or above and has at least one Eligible Transaction with Cathay Mastercard can enjoy up to 3,000 miles every quarter.

Terms and Conditions apply.

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Award-winning Bonus Saver

An innovative, flexible financial solution that helps you grow your savings smartly.
From 1 June to 30 June 2026, sign up Bonus Saver and receive a monthly deposits of HKD20,000 or above (each an “Eligible Client”) will enjoy the following rewards:

Priority Private / Priority Banking

Premium Banking / Easy Banking

Limited Time Payroll Offer1 up to HKD1,000 (from now till 30 Jun 2026)

  • HKD80,000 or above of monthly salary can earn HKD1,000 cash rebate
  • HKD20,000 – HKD79,999 of monthly salary can earn HKD400 cash rebate

Maintain designated Bonus Saver balance to earn up to HKD6,000/year

Earn HKD100/month for every HKD100,000 deposits balance in Bonus Saver. Up to HKD500 monthly

Earn up to HKD1,200/year upon designated credit card spending

Earn HKD100/month upon accumulating credit card retail spending of HKD10,000 or above in a month

Limited Time Payroll Offer1 up to HKD1,000 (from now till 30 Jun 2026)

  • HKD80,000 or above of monthly salary can earn HKD1,000 cash rebate
  • HKD20,000 – HKD79,999 of monthly salary can earn HKD400 cash rebate

Maintain designated Bonus Saver balance to earn up to HKD3,000/year

Earn HKD50/month for every HKD100,000 deposits balance in Bonus Saver. Up to HKD250 monthly

Earn up to HKD600/year upon designated credit card spending

Earn HKD50/month upon accumulating credit card retail spending of HKD10,000 or above in a month

Bonus Saver Reward Calculator

I'm a
client
Monthly eligible fund-in (HKD)
Daily Balance (HKD)
HKD Bonus Saver
Monthly Credit Card Spending (HKD)
Total estimated rewards for the 1st year
HKD and miles
Bonus Saver Mission:
“Maintain Bonus Saver Balance”
HKD
Bonus Saver Mission:
“Credit Card Spend” Rewards
HKD
Asia Miles Payroll Offer#
miles

# Only applicable to principal cardholder of Standard Chartered Cathay Mastercard® issued by the Bank.
The above calculation is for reference only. Account opening is not available on Sundays and Public Holidays. The final rewards will be subject to the client’s eligible fund-in date, banking plan, amount of monthly eligible fund-in, daily balance of HKD Bonus Saver, Credit Card spending, etc of a particular month.

Other Offers for Bonus Saver / Payroll Clients

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[Bonus Saver and Payroll Account monthly salary requirement: HKD20,000 or more]

  • Priority Private clients: 1,000 miles per month
  • Priority Banking clients: 800 miles per month
  • Premium Banking clients: 300 miles per month
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Bonus Saver and Payroll Account clients can enjoy annual fee waiver3, and earn all rewards with just one card

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Bonus Saver and Payroll Account clients who successfully apply for a Standard Chartered Cathay Mastercard® can enjoy extra 2,000 miles.

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Consolidated your MPF Personal Account to Manulife and enjoy up to HK$108,888 special one-off bonus unit rebate!

Boost your Savings with Bonus Saver

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Step 1: Make savings a habit

Deposit salary into Bonus Saver or simply set up a standing instruction for monthly savings

Step 2: Conquer your Quest

Check out your designated quest page for reward earning quests and progress

Step 3: Harvest Rewards

The more missions you complete every month, the more reward you’ll unlock

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STEP 1

Download SC Mobile App and click “Open an account”

STEP 2

Complete IDA Application

STEP 3

Select “Discover”, “Deposits”, “Bonus Saver” and click “Apply Now” in SC Mobile App

STEP 4

Choose account type or open a new account

STEP 5

Confirm Terms and Conditions, review your application and submit

Service hours: 9am – 11pm, Monday to Saturday (except public holidays). Photos are for reference only
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STEP 1

Select “Discover”, “Deposits”, “Bonus Saver” and click “Apply Now” in SC Mobile App

STEP 2

Choose account type or open a new account

STEP 3

Confirm Terms and Conditions, review your application and submit

Service hours: 9am – 11pm, Monday to Saturday (except public holidays). Photos are for reference only

How do I transfer funds to my Bonus Saver to enjoy rewards?

Set up Standing Instructions to transfer funds to your Bonus Saver via other banks’ online banking.

Simply notify your employer or Human Resources Department to change your Payroll Account

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  1. Log in to your other banks’ Mobile Banking site and select “Transfer” or “Standing Instructions”
  2. Enter the following details when setting up a standing instruction
    Bank ID: 003
    Bank: Standard Chartered Bank (Hong Kong) Limited
    Your Bonus Saver Account number and Account holder’s name
    Transaction narrative must contain “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL”, “BONUS”, “SAVER”
  3. Enter an amount then select “Recurring Transfer”, enter the start date and choose “Monthly” for frequency.

Standing instruction setup completed!

*The above SI setup is for reference only and may vary among different banks. Some banks may not support setting up SI online and the final set-up method is subject to differences in other banks’ processes.

 

  1. Fill out the Notification for the Change of Auto-Payroll Account
  2. Notify your employer of the change of the Payroll account
  3. Successfully conduct an automatic transfer to Bonus Saver within 2 months after the opening date of the Bonus Saver
Remarks
  1. Applicable to clients who have not used the Bank’s auto-payroll services in the past 12 months and have opened Bonus Saver during the promotion period.
  2. Offer of “Up to 3,000 miles quarterly” is applicable to clients with Bonus Saver, HKD Sustainable Savings Account, HKD statement savings account, HKD savings account with an Integrated Deposits Account and other account with payroll services. Terms and Conditions for Asia Miles Payroll Offer apply.
  3. All principal cardholders (“Cardholders”) of Standard Chartered Cathay Mastercard (“Card”) issued by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Bonus Saver/payroll account clients. Cardholders are entitled to the above stated annual fee waiver so long as Cardholders meet the above stated criteria in the annual fee billing month. For details, please refer to relevant terms and conditions.

Bonus Saver FAQs

  • Bonus Saver Clients may enjoy the Other Offers available to Payroll Clients, provided that they maintain Eligible Fund-in and satisfy all applicable eligibility requirements of the relevant Other Offers.  For details, please refer to the applicable Terms and Conditions.

  • A ‘Savings Account’ is also a deposit account, but it is generally used for storing day-to-day funds, making deposits, and paying bills. The difference between a ‘Bonus Saver’ and a ‘Savings Account’ is that customers can save regularly through the ‘Bonus Saver’ to earn extra rewards. Bonus Saver clients may receive rewards include Cash Rebate and miles.

  • There is no minimum deposit requirement to open Bonus Saver. To earn the Bonus Saver Reward, clients who has monthly eligible fund-in of HKD20,000 or above credited to the Bonus Saver in a particular month may enjoy the Bonus Saver Rewards upon completion of any of the mission(s)

    For more details on Bonus Saver Reward, please click here.

  • No. Clients must first open an HKD statement savings account, HKD Sustainable Savings Account, or HKD savings account with an Integrated Deposits Account to apply for Bonus Saver.

To borrow or not to borrow? Borrow only if you can repay!