Straight2Bank
Easily manage your credit cards on the go
Trying to keep tabs on multiple credit cards? Our Online Banking and SC Mobile App features are designed to make card management easy and frictionless for you, anytime and anywhere.
Initiate Dispute Request
You may initiate a dispute request online via the Bank for reversing or refunding transactions under specific circumstances of the dispute resolution scheme, such as unauthorized transactions or failed delivery of goods/ services by the merchant after a one-off pre-payment.
For any transactions in doubt, you should raise the dispute within 60 days upon the statement issuance date.
Learn More
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Credit Card Transaction Dispute”
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Step 3
Select the card you wish to submit the application for
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Step 4
Select the dispute reason
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Step 5
Select the transaction(s) with an issue
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Step 6
Fill in additional details and upload documents
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Step 7
Read the important notes carefully and confirm to proceed further
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Step 8
Application submitted!
Updates will be delivered via SMS and email.
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Credit Card Transaction Dispute”
Step 3
Select the card you wish to submit the application for
Step 4
Select the dispute reason
Step 5
Select the transaction(s) with an issue
Step 6
Fill in additional details and upload documents
Step 7
Read the important notes carefully and confirm to proceed further
Step 8
Application submitted!
Updates will be delivered via SMS and email.
Report Lost/Stolen Credit Card
If your card is lost or stolen, or your PIN number has been disclosed to a third party, please contact the Bank immediately to make a report.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Report Lost / Stolen Credit Card”
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Step 3
Select the cards you wish to report as lost
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Step 4
Read the important notes carefully
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Step 5
Confirm to proceed further
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Step 6
Success!
The replacement card will be issued and sent to your registered address
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Report Lost / Stolen Credit Card”
Step 3
Select the cards you wish to report as lost
Step 4
Read the important notes carefully
Step 5
Confirm to proceed further
Step 6
Success!
The replacement card will be issued and sent to your registered address
Activate New Credit Card
You may activate your physical credit card online within 3 months upon receipt.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Credit Card Activation”
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Step 3
Select the card(s) you wish to activate
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Step 4
Enter your HKID number and Date of Birth
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Step 5
Confirm the activation
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Step 6
Activation completed!
The new PIN will be sent to you within 2 working days
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Credit Card Activation”
Step 3
Select the card(s) you wish to activate
Step 4
Enter your HKID number and Date of Birth
Step 5
Confirm the activation
Step 6
Activation completed!
The new PIN will be sent to you within 2 working days
View Credit Card Details – CVV and Expiry Date
Don’t have your physical credit card with you or want to start spending before your newly approved credit card arrives? If you have applied for your credit card online and registered for full digital banking services, you can check your CVV and expiry date online.
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Step 1
Select one of your credit cards listed on the account summary page
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Step 2
Click “Details”
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Step 3
Scroll down and click “Card Details” > eye icon
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Step 4
Authorise this action by using the SC Mobile App Key on your SC Mobile App
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Step 5
Once successfully authorised, you can use the CVV and expiry date for adding your credit card to mobile wallets or making online transactions
Step 1
Select one of your credit cards listed on the account summary page
Step 2
Click “Details”
Step 3
Scroll down and click “Card Details” > eye icon
Step 4
Authorise this action by using the SC Mobile App Key on your SC Mobile App
Step 5
Once successfully authorised, you can use the CVV and expiry date for adding your credit card to mobile wallets or making online transactions
Adjust Credit Limit
To prevent fraudulent activities with unused credit limit, adjust your credit limit with just a few clicks.
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Step 1
Click “Manage Credit Limit” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Manage Credit Limit”
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Step 3
Select the card you wish to submit the application for
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Step 4
Adjust or input your preferred credit limit
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Step 5
Read the Terms & Conditions and confirm your application
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Step 6
Application submitted!
You will receive a result notification from us accordingly.
Step 1
Click “Manage Credit Limit” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Manage Credit Limit”
Step 3
Select the card you wish to submit the application for
Step 4
Adjust or input your preferred credit limit
Step 5
Read the Terms & Conditions and confirm your application
Step 6
Application submitted!
You will receive a result notification from us accordingly.
Increase Credit Limit
Want to spend more? You can easily apply to increase your credit limit online.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Increase Credit Limit”
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Step 3
Select the card(s) you wish to submit the application for
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Step 4
Input the new credit limit
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Step 5
Select the reason for limit increase application
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Step 6
Read the Terms & Conditions and confirm your application
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Step 7
Application submitted!
Your application will be processed within 7 working days
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Increase Credit Limit”
Step 3
Select the card(s) you wish to submit the application for
Step 4
Input the new credit limit
Step 5
Select the reason for limit increase application
Step 6
Read the Terms & Conditions and confirm your application
Step 7
Application submitted!
Your application will be processed within 7 working days
Request for Credit Card Service Charge Waiver
If your credit cards have been charged with annual fees, overlimit charges, late charges or finance charges within the last month, you may submit a waiver request online.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Credit Card Service Charge Waiver”
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Step 3
Select the fee type
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Step 4
Select the card(s) you wish to submit the application for
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Step 5
Select the fee(s) to be waived
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Step 6
Confirm the details of your fee waiver application
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Step 7
Application submitted!
The waiver result will be delivered via SMS and email notifications in 3 business days.
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Credit Card Service Charge Waiver”
Step 3
Select the fee type
Step 4
Select the card(s) you wish to submit the application for
Step 5
Select the fee(s) to be waived
Step 6
Confirm the details of your fee waiver application
Step 7
Application submitted!
The waiver result will be delivered via SMS and email notifications in 3 business days.
Temporarily block/unblock card
As an additional security measure, you now have the option to place temporary blocks on your cards and resume usage when desired.
All credit card functions, including online/offline transactions, mobile wallets, and ATM cash withdrawal will be suspended until you initiate an unblock. Pre-authorized transactions, including Octopus AAVS or direct-debit authorization (DDA) set up by merchants will not be impacted by the temporary block.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Temporary Block / Unblock Credit Card”
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Step 3
Select the card(s) you wish to block/unblock
– Cards with a red toggle are currently in blocked status, you may toggle the icon to unblock the card -
Step 4
– Cards with a dimmed toggle are currently in active status, you may toggle the icon to block the card
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Temporary Block / Unblock Credit Card”
Step 3
Select the card(s) you wish to block/unblock
– Cards with a red toggle are currently in blocked status, you may toggle the icon to unblock the card
Step 4
– Cards with a dimmed toggle are currently in active status, you may toggle the icon to block the card
Transfer Out Credit Balance
Have a credit balance on your credit card? You can now transfer it to your other Standard Chartered credit cards or banking accounts online.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Credit Card Balance Refund”
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Step 3
Select the card(s) you wish to submit the application for
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Step 4
Select a refund method to your Standard Chartered savings/current account or other credit card
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Step 5
Select the receiving Standard Chartered credit card
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Step 6
Input the transfer amount and proceed
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Step 7
Confirm the request details
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Step 8
Application submitted!
Your credit balance transfer will be processed in 3 working days.
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Credit Card Balance Refund”
Step 3
Select the card(s) you wish to submit the application for
Step 4
Select a refund method to your Standard Chartered savings/current account or other credit card
Step 5
Select the receiving Standard Chartered credit card
Step 6
Input the transfer amount and proceed
Step 7
Confirm the request details
Step 8
Application submitted!
Your credit balance transfer will be processed in 3 working days.
Reset Credit Card PIN
Forgot your credit card PIN but need to access an ATM? You can instantly reset your credit card PIN via SC Mobile App, without having to call our customer service hotline or wait for mail delivery of your new PIN.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Credit Card PIN Reset”
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Step 3
Set your new credit card PIN
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Step 4
Authorise this action by using the SC Mobile App Key on your SC Mobile App
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Step 5
Success!
Your credit card PIN has been reset
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Credit Card PIN Reset”
Step 3
Set your new credit card PIN
Step 4
Authorise this action by using the SC Mobile App Key on your SC Mobile App
Step 5
Success!
Your credit card PIN has been reset
Replace Credit Card
Having issues with your physical credit card? You can apply for a replacement of your physical credit card online.
Your physical credit card will be deactivated and cannot be used until you have received the new credit card and performed card activation. Supplementary cards (if any) will be deactivated along with the principal card.
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Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
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Step 2
Click “Credit Card Replacement”
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Step 3
Select credit card to replace
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Step 4
Confirm details to proceed
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Step 5
Success!
The replacement card will be issued and sent to your registered address
Step 1
Click “Help & Services” for Online Banking; “Services” > “Credit Cards” for SC Mobile App
Step 2
Click “Credit Card Replacement”
Step 3
Select credit card to replace
Step 4
Confirm details to proceed
Step 5
Success!
The replacement card will be issued and sent to your registered address
Manage Online and Other Limits
Now you can personalize your online and other limits effortlessly, right from your device.
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Step 1
“Services” > “Credit Cards” for SC Mobile App
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Step 2
Select “Manage Online and Other Limits.”
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Step 3
Choose your desired credit card.
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Step 4
Choose your desired service if applicable.
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Step 5
Enable, disable or adjust your online transactions limit(s). Read the important notes carefully and submit.
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Step 6
Enable, disable or adjust your ATM and in-store purchase limit(s). Read the important notes carefully and submit.
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Step 7
Success!
Your setting(s)/ limit(s) have been updated.
Step 1
“Services” > “Credit Cards” for SC Mobile App
Step 2
Select “Manage Online and Other Limits.”
Step 3
Choose your desired credit card.
Step 4
Choose your desired service if applicable.
Step 5
Enable, disable or adjust your online transactions limit(s). Read the important notes carefully and submit.
Step 6
Enable, disable or adjust your ATM and in-store purchase limit(s). Read the important notes carefully and submit.
Step 7
Success!
Your setting(s)/ limit(s) have been updated.
Additional Authentication for Credit Card Online Transactions
Receive real-time notifications on your mobile for approval of credit card online transactions* by proceeding with additional authentication on your SC Mobile App.
Activate SC Mobile Key in your SC Mobile App, learn more here, and authorise the online transaction following the instructions in the app:
*Only participating online merchants will require additional authentication.
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Step 1
Perform an online transaction which requires additional authentication.
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Step 2
Click the push notification of relevant transaction from the SC Mobile App or open the App.
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Step 3
Carefully review the transaction details such as merchant name and transaction amount to ensure they are correct and click “Approve”^, otherwise click “Reject”.
^ Once the authorization for the transaction is approved, the Bank cannot cancel the transaction unilaterally for you. -
Step 4
Return to the merchant’s transaction page to proceed
Step 1
Perform an online transaction which requires additional authentication.
Step 2
Click the push notification of relevant transaction from the SC Mobile App or open the App.
Step 3
Carefully review the transaction details such as merchant name and transaction amount to ensure they are correct and click “Approve”^, otherwise click “Reject”.
^ Once the authorization for the transaction is approved, the Bank cannot cancel the transaction unilaterally for you.
Step 4
Return to the merchant’s transaction page to proceed
