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Simple digital solution, rewarding experiences.

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Hk promo premium banking
Hk promo premium banking
Important Note:

Premium Deposit, Equity Linked Investments and Structured Notes are structured products involving derivatives and some Investment Funds would involve derivatives. The investment decision is yours but you should not purchase such product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Premium Banking

Experience digital solutions for financial management and enjoy Premium Banking Rewards

Premium Banking Rewards

    • Credit Card Rewards

      Standard Chartered Asia Miles Mastercard1

      • Earn HKD4 = 1 Asia Mile for dining, online and overseas spending all year round with no mileage conversion fee
      • First year annual fee WAIVER2

      You can also enjoy a suite of dining, shopping, travel and lifestyle offers with any Standard Chartered Credit Card.

    • Overseas ATM Withdrawal Fee Waiver

      • Handling fee WAIVER for overseas cash withdrawals at JETCO, Mastercard/Cirrus, UnionPay and Visa/PLUS ATM networks3

      Preferential Discount on Travel Insurance Plan

      • Preferential DISCOUNT for online purchase of Travel Insurance Plan4
    • 360º Rewards

      Premium Banking 360º Rewards

      • Earn either up to 490 Asia Miles with Standard Chartered Asia Miles Mastercard or 7,000 points with other designated Standard Chartered Credit Cards every month for the designated banking products/services

      Premium Banking 2X Spending Rewards8

      • Earn 2X Spending Rewards by accumulating qualified transactions of HKD4,000 or more with your designated – Standard Chartered Credit Cards8b in each calendar month
      • NO CAP on the extra points you can earn

Premium Banking Digital Experiences

      • FREE fund transfer to other local bank accounts via Online Banking or Standard Chartered Mobile Banking9
      • Receive FREE SMS/Email Alerts on important transactions and due dates of credit card payment
      • Simply register for the mobile payment tools to enjoy shopping or make P2P transactions with ease
    • Quick and Simple DIY Online Platforms

      • INSTANT Investment Account Opening for Investment Fund Services and Securities Services10
      • Unit Trusts Trading
      • Securities Trading via Online Banking or SC Equities mobile app
      • Foreign Exchange Trading
      • Customer Investment Profile Questionnaire
      • Education Tool
      • Travel/Motor/Home Contents Insurance enrolment11

      Weekly Investment eNewsletter

      • Provides the latest strategies and insights on the global investment market

Premium Banking Services

    • Premium Executive Team

      • Help manage your finances and banking needs via simple-to-click digital banking channels
      • Provide you with simple financial solutions
      • Assist you on the full suite of banking and wealth management enquiries
      • FREE real-time stock quotes12 and market news
      • Discount on Telegraphic Transfer Charges
      • Same-day Outward Remittance Services in Greater China13
      • FREE ATM Card service

360º Rewards

Premium Banking 360º Rewards5

Earn either up to 490 Asia Miles with Standard Chartered Asia Miles Mastercard or 7,000 points with other designated Standard Chartered Credit Cards every month for the designated banking products/services (see Table 1):

Table 1 

Product Category
Reward Criteria
The Maximum Asia Miles/Points earned (monthly)
Structured Investment Series/Premium Deposit
Investments
Insurance
Personal Instalment Loan
Mortgage Loan
With balance more than HKD0 during the relevant calendar month 70 Asia Miles/ 1,000 points
per Product Category
Payroll Account With payroll credited to banking account during the relevant calendar month 70 Asia Miles/ 1,000 points
per Product Category
Online Banking6 With at least one eligible and successfully posted transaction during the relevant calendar month 70 Asia Miles/ 1,000 points
per Product Category

You can also earn 2X Premium Banking 360º Rewards7 by maintaining your monthly Total Relationship Balance at HKD500,000 or above, to earn a maximum of 490 Asia Miles/ 7,000 points
every month (see Table 2):

Table 2

Monthly Total Relationship Balance (HKD)
Rewards Tier
Total Maximum Points earned per product category (monthly)
Total Maximum Asia Miles earned per product category (monthly)
500,000 or above 2X* 2,000 or 140 Asia Miles
Below 500,000 Basic rewards 1,000 or 70 Asia Miles

*Including basic rewards

Eligibility Criteria

New Clients

  • Minimum average daily Relationship Balance HK$200,000 or above
  • Minimum monthly salary HK$20,000 or above14
  • Minimum average daily Relationship Balance HK$100,000 or above and with monthly salary below HK$20,00014
  • Mortgage outstanding amount HK$1,500,000 or above15

Existing Clients

  • Minimum average daily Relationship Balance HK$200,000 or above
  • Mortgage outstanding amount HK$1,500,000 or above15

Remarks

Hk easy banking
Hk easy banking

Our Products

Important Notes for Insurance
  • The life assurance plans are life insurance products and are not bank deposit. They are underwritten by Prudential Hong Kong Limited (a member of Prudential plc group) (“Prudential”). Some of these plans may have a savings element and are not an alternative to ordinary savings or time deposits. Part of the premium pays for the insurance and related costs.
  • If you are not happy with your policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premiums paid, less any withdrawals (if applicable), provided that no claim has been made under the policy. A written notice signed by you should be received directly by Prudential at 8/F., Prudential Tower, The Gateway Harbour City, 21 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong within the cooling-off period (that is, within 21 days after the delivery of the policy or issue of a notice (informing you or your representative about the availability of the policy and expiry date of the cooling-off period), whichever is the earlier). After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value (if applicable) may be less than the total premium you have paid. You should check with Prudential if you have any doubt regarding your cooling-off right.
  • The Bank is an insurance agent of Prudential.
  • As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of the Bank. This webpage is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. The Bank does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall the Bank be held liable in any manner whatsoever in relation to your contract of insurance.
  • This webpage is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and the Bank do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This webpage does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.
  • Whether to apply for insurance coverage is your own individual decision. For Prudential’s life assurance plan policy provisions, details and risk disclosure, please refer to relevant plan’s product leaflet/offering document and specimen policy.
  • In respect of an eligible dispute arising between the Bank and the client out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the client; however any dispute over the contractual terms of the product should be resolved directly between Prudential and the client.

Risk Disclosure Statement

Risk Disclosure Statement for all Investment Products:

Investments involve risks. The prices of investment products may move up or down and the worst case will result in loss of your entire investment. Investors should consider their own investment objective, investment experience, financial situation and risk tolerance level; and also read the terms and conditions of the relevant investment services / offering documents including the risk disclosures, and is advised to seek independent professional advice before making any investment decision.

Risk Disclosure Statement for Investment Funds:

Investment involves risk. The prices of units/shares of unit trust or mutual funds fluctuate, sometimes dramatically and may become valueless. Investor(s) may not get back the amount they have invested. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds.Past performance is no guide to its future performance.

Investor(s) should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision.
Investor(s) should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective and risk tolerance level.

Risk Disclosure Statement for Securities:

Investment involves risks. The prices of securities fluctuate, sometimes dramatically and may become valueless. Past performance of any securities is no guide to its future performance. Investors should consider their own investment objectives and risk tolerance level, and read the Terms and Conditions of relevant Securities Services before making any investment decision.

Risk Disclosure Statements for Debt Securities:

  • The price of bonds/structured notes can and does fluctuate and the price of any individual bonds/structured notes may experience upward or downward movements and may even become valueless. There is an inherent risk that losses may be incurred rather than profits made as a result of trading bonds/structured notes. Independent assessment of the risk and appropriateness of the transaction in light of your own objectives and circumstances, including the possible risks and benefits of entering into such transaction, should be considered before entering into any transaction.
  • This information is based on, or derived from, information obtained from sources believed to be reliable. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) gives no representation or warranty that this information is accurate or complete. It is prepared solely for your reference and no responsibility is accepted for use of or reliance on this information by the Bank. This information is neither a recommendation nor an offer or a solicitation of an offer to buy or sell any bonds/structured notes.

Risk Disclosure Statement for Foreign Exchange:

Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the client converts deposit from the foreign currency to another currency (including Hong Kong Dollar).

Risk Disclosure Statement for Renminbi Deposits and Trading:

  • Renminbi (“RMB”) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the client subsequently converts RMB to another currency (including Hong Kong dollars); and
  • RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statement for Equity Linked Investments:

  • The price or value of the Equity Linked Investments (ELIs) fluctuates, sometimes dramatically. The price or value of the ELIs may move up or down, and may even become valueless. It is as likely that losses will be incurred rather than profit made as a result of subscribing for, buying and selling the ELIs. Investors should therefore carefully consider whether such transactions are suitable in light of their financial position and investment objectives before entering into such transactions.
  • Not principal protected: ELIs are not principal protected. You may suffer a loss if the prices of the underlying asset(s) of an ELI go against your view. In extreme cases, you could lose your entire investment.
  • Limited potential gain: the potential return on your ELI may be capped at a predetermined level specified by the issuer.
  • Credit risk of the issuer: when you purchase an ELI, you rely on the credit-worthiness of the issuer. In case of default or insolvency of the issuer, you will have to rely on your distributor to take action on your behalf to claim as an unsecured creditor of the issuer regardless of the performance of the reference asset(s).
  • No collateral: ELIs are not secured on any assets or collateral.
  • Limited market making: issuers may provide limited market making arrangement for their ELIs. However, if you try to terminate an ELI before maturity under the market making arrangement provided by the issuer, you may receive an amount which is substantially less than your original investment amount.
  • Investing in an ELI is not the same as investing in the reference asset(s): during the investment period, you have no rights in the reference asset(s). Changes in the market price of such reference asset(s) may not lead to a corresponding change in the market value and/or potential payout of the ELI.
  • Conflicts of interest: issuer of an ELI may also play different roles, such as the arranger, the market agent and the calculation agent of the ELI. Conflicts of interest may arise from the different roles played by the issuer, its subsidiaries and affiliates in connection with the ELI.

Risk Disclosure Statement for Premium Deposit:

  • Investment involves risk. The worst case will result in loss of your entire investment.
  • Principal Loss Risk/Currency Risk – This product is not principal protected and the return of which will be dependent on movements in some specified currency exchange rates which are affected by a wide range of factors and may rise or fall rapidly.
  • Liquidity Risk/Early Withdrawal Risk/Cancellation Risk – Any cancellation or withdrawal prior to maturity is subject to the consent of the Bank. With these risks, investors may incur significant costs or losses.
  • Risks relating to Renminbi – You should note that the value of Renminbi against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government’s control (for example, the PRC government regulates conversion between Renminbi and foreign currencies), which may adversely affect your return under this product when you convert Renminbi into your home currency. Renminbi is not a freely convertible currency. Any conversion of Renminbi through banks in Hong Kong may be subject to certain restrictions prevailing at the relevant time.

Not Protected under Deposit Protection Scheme:

Premium Deposit is NOT an alternative to ordinary saving or time deposit, and is NOT a protected deposit and NOT being protected under the Deposit Protection Scheme in Hong Kong.

Risk Disclosure Statement for Structured Investment Series:

Structured Investment Series carries risks not normally associated with ordinary bank deposits and are generally not the same as and not a suitable substitute for ordinary savings or time deposits. Investor should not invest in Structured Investment Series unless he/she has sufficient funds or liquidity so as to enable him/her to keep the investment until the maturity date. The principal amount of the investment under Structured Investment Series is protected only if held to the agreed maturity date without being cancelled or withdrawn by the investor. Any such cancellation or withdrawal prior to the maturity date is subject to the consent of the Bank, and may incur costs or losses to the investor which may even result in a negative rate of return. Where investor holds the investment until the maturity date, the interest or yield on the investment may also be affected by movements in the relevant reference value of the underlying asset. The total return on the investment may be zero or significantly less than the return which might be obtained on a normal time deposit in the event of an adverse movement in the relevant reference value of the underlying asset. This product is NOT equivalent to, nor should it be treated as a substitute for, time deposit, and is NOT being protected under the Deposit Protection Scheme in Hong Kong.

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