Two currencies on one card offers you convenience and flexibility for dual currency settlement and repayment.

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Two currencies on one card offers you convenience and flexibility for dual currency settlement and repayment.

Features

Details

Transactions made in Mainland China will be posted to your CNY account and you can choose to repay either in CNY or HKD. Transactions made in Hong Kong and overseas will be posted to your HKD account and be repaid in HKD.

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HKD Account CNY Account
Payment Options Settle Payment in HKD Settle Payment in CNY Settle Payment in HKD
Autopay
ATM
Phone Banking
Cheque+
Cash deposit machine
PPS
(merchant code: 21)
Online Banking

1. Customers must make repayment to the outstanding balance of the HKD and CNY accounts separately. Amounts overpaid to one account will not be credited to the other account.

2. Owing to fluctuations in exchange rates, customers are advised to check the CNY reference exchange rate at standardchartered.com.hk. You may consider paying 5% in excess of your outstanding amount as a buffer to avoid any interest incurred due to a shortfall arising from exchange rate fluctuation.

+HKD and CNY balances should be repaid in two separate cheques and marked clearly with “HKD account” or “CNY account” with the respective account number on the back of cheques.

Tips for Using Our Dual Currency Credit Card
  • Activate your Card with your HKD account number to enjoy the spending privileges.
  • You can use your HKD account number to enquire for both HKD and CNY account details.
  • No additional PIN is required upon making transactions. If you are asked to enter a PIN, you are advised to say “NO” or just input 6 digits of “0” and press “Enter”.
  • The consolidated statement will show the detailed transaction records including statement balance, minimum payment amount and Rewards Points summary of your HKD and CNY accounts respectively.

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Eligibility & Documents

Eligibility

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

Documents Required

  • Your Hong Kong Identity Card
  • Your latest residential address proof showing your name
  • Your latest 1-month salary slip OR Bank Statements / Passbook showing your name, account number and salary entries