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Get a greater cash flow and flexibility with our Revolving Cash Card

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Get a greater cash flow and flexibility with our Revolving Cash Card

Revolving Cash Card

With no fixed repayment amount, you'll be able to enjoy more flexibility and autonomy in managing your wealth.




Credit Limit (HKD)
Interest Rate for first 3 months (p.a.)^
Interest Rate thereafter (p.a.)+
Annualised Percentage Rate**
Annual Fee(HKD)
15.80% 15.57%
1% of credit limit
$20,000-$49,999 11.80% 11.64%
$50,000-$199,999 9.80% 9.68%
$200,000-$499,999 7.80% 7.72%
$500,000 or above 6.80% 6.74%


^ 0% p.a. Interest Rate for the first 3 months is only applicable upon the day of successful cash withdrawal to the cutoff day of the following 3 consecutive months as specified on the monthly statement showing the withdrawal amount.

△ First withdrawal amount will be equivalent to 95% of the approved credit limit (will be rounded down to the nearest thousand dollars) and the first transaction handling fee is also waived.

+ Interest is calculated on the basis of a 365 or 366-day year (if applicable).

** The Annualised Percentage Rate (“APR”) is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. The APR is calculated based on the loan amounts of HKD12,500, HKD35,000, HKD125,000, HKD350,000 and HKD500,000 and has taken into account the interest rate for the first 3 months and the interest rate thereafter. Please note that the above APR is calculated according to minimum monthly repayment of 1% of the outstanding amount(applicable to the loan approved on or after 27 August 2016) . For the loan approved before 27 August 2016, APR is calculated according to minimum monthly repayment of 0.5% of the outstanding amount and the APR are 15.83% (loan amount HKD12,500), 11.82%( loan amount HKD35,000), 9.81%( loan amount HKD125,000), 7.81% (loan amount HKD350,000), 6.82% (loan amount HKD500,000) respectively. Customer can refer to the minimum monthly repayment details set out in Clause 7 in the Important Information of Revolving Cash Card. (subject to change by the Bank from time to time).

Standard Chartered Bank (Hong Kong) Limited (“The Bank”) has the absolute right to determine the approval of the loan and the final interest rate.



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

Eligibility & Documents


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

Required Documents

  • Your Hong Kong Permanent Identity Card
  • Your latest residential address proof showing your name
  • Your latest 1-month salary slip OR Current Salaries Tax Demand

    Note OR Bank Statements/Passbook showing your name, account number and salary entries

Terms and Conditions