Standard

Minimum average daily Relationship Balance HKD200,000 or above

Payroll

Payroll client with monthly salary HKD20,000 or above

Mortgage (Account opened on or before 30 September 2017)

Mortgage drawdown amount is in the sum of HKD1,500,000 or above

Mortgage (Account opened on or after 1 October 2017)

Mortgage outstanding amount is in the sum of HKD1,500,000 or above

^ “Relationship Balance” includes the aggregate balance of deposits, investments, accumulated premiums of selected insurance, utilised amounts of secured/unsecured overdraft facilities, outstanding balances on Standard Chartered credit cards and outstanding balances of Standard Chartered Personal Loans you maintain with Standard Chartered Bank (Hong Kong) Limited (“the Bank”) under personal accounts. The Relationship Balance of your personal account will also include the MPF account balance under Manulife Global Select (MPF) Scheme where you authorise and consent the Bank to receive your MPF account information.

Standard Chartered credit cards refer to Standard Chartered Credit Card and Standard Chartered cobranded credit card (including supplementary cards and corporate cards) issued by the Bank. Outstanding balances on supplementary cards will contribute to the Relationship Balance of the principal cardholder only.

1. “New Client” refers to a client who did NOT, in the past 12 months from the date of the current sign up for Premium Banking, hold any product or service with or distributed by the Bank (including but not limited to deposit account (in the case of a joint account, only a primary account holder to the joint account will be considered as having held products or services with or distributed by the Bank), investment services and insurance products underwritten by the third part insurer) except Standard Chartered Credit Cards. “Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card.
2. For New Funds Growth Offer details, please refer to sc.com/hk/content/docs/hk-pmb-tnc.pdf.
3. Eligible clients who sign up Premium Banking from 1 July 2026 to 31 August 2026 and choose Asia Miles as the rewards for New Funds Growth Offer must register on or before 31 October 2026. Eligible client may choose to have Asia Miles as the reward on the Bank’s designated webpage at sc.com/hk/AM. Relevant Asia Miles will be credited directly to the eligible client’s Cathay membership account.
4. For Online Sign-up Reward details, please refer to sc.com/hk/content/docs/hk-pmb-tnc-online-reward.pdf.
5. For Wealth Management Product Reward details, please refer to sc.com/hk/content/docs/hk-pmb-tnc-q3-wealth-management-reward.pdf.
6. For Multi-Currency Mastercard Debit Card details, please refer to the Bank’s website sc.com/hk/bank-with-us/multicurrency-debit-card/ and the relevant terms and conditions.
7. “Existing Client” refers to a client who as of the last day of the month that is two months prior to the date of the current sign up for Premium Banking during the Promotion Period, (i) held any products or services with or distributed by the Bank (including but not limited to deposit account (in the case of a joint account, unless the existing client is a primary account holder to the joint account, he/she will not be considered having held any product or service with or distribution by the Bank), investment services and insurance products underwritten by the third party insurer) except Standard Chartered Credit Cards, and (ii) maintained a positive Total Balance.
8. For Bonus Saver details, please refer to the Bank’s website sc.com/hk/deposits/bonus-saver/ and the relevant terms and conditions.
9. “New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards. For Standard Chartered Cathay Mastercard offer details, please refer to the Bank’s website sc.com/hk/credit-cards/cathay/ and the relevant terms and conditions.
10. For Asia Miles Time Deposit offer details, please refer to the Bank’s website sc.com/hk/deposits/asia-miles-time-deposit/ and the relevant terms and conditions.
11. For Marathon Savings Account details, please refer to the Bank’s website sc.com/hk/deposits/marathon-savings-account/ and the relevant terms and conditions.
12. For SC Invest details, please refer to the Bank’s website sc.com/hk/investment/sc-invest/ and the relevant terms and conditions.
13. For Foreign Exchange offer details, please refer to the Bank’s website sc.com/hk/investment/foreign-exchange/ and the relevant terms and conditions.
14. For $0 buy brokerage fee details, please refer to the Bank’s website sc.com/hk/investment/securities-services/ and the relevant terms and conditions.

The minimum balance maintenance fee for Premium Banking clients is removed, with effect on 1 August 2019. For details, please refer to the NOC under Important Information.

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

Important Notes for MPF:

• Standard Chartered Bank (Hong Kong) Limited is a distributor of the MPF scheme, a product of Manulife (International) Limited (Incorporated in Bermuda with limited liability). In respect of an eligible dispute arising between the Bank and the customer 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 customer; however any dispute over the governing rules of Manulife’s MPF scheme should be resolved directly between Manulife and the customer.
• Investment involves risk. Price of units of any constituent funds and the income from them may go down as well as up. Past performance is not an indicative of future performance. Before making any investment decision to invest in a scheme, members should read the MPF Scheme Brochure for more detailed information (including risk factors, fees and charges) on the scheme and its constituent funds. Investors should ensure they fully understand the risks associated with the scheme, and should also consider their own investment objective and risk tolerance level. If in doubt, please seek independent financial and professional advice.
• This webpage does not constitute any offer, invitations or recommendation to any person to enter into any scheme or any transaction described therein or any similar transaction. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

Important Notes for Investment Fund:

• Investment Fund is an investment product and some Investment Funds would involve derivatives. The investment decision is yours, but you should not invest in Investment Fund 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.

Important Notes for Life Insurance:

• The life insurance 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 and levy(ies) 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 the Prudential’s Hong Kong Office 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 for face-to-face distribution (including webpage and mobile app) or 30 days for non-face-to-face distribution, 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.
• Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered”) is an insurance agent of Prudential.
• As the issuer of the life insurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. The material and information contained on this webpage should be read in conjunction with the relevant product brochure and for the risk disclosure, please refer to the product brochure. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.
• This webpage is intended to be valid 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 Standard Chartered 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. During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy document and read carefully.
• For product details of the relevant insurance plan, please refer to relevant product brochure and policy document. Standard Chartered is an insurance agent of Prudential. All of the above general tax information provided is for reference only, whether to apply for insurance coverage is your own individual decision. You should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Policyholders must meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the Hong Kong Special Administrative Region before they can claim the relevant tax relief. For further information on tax concessions applicable to Qualifying Deferred Annuity Plan / VHIS plans, please refer to www.ia.org.hk/en or vhis.gov.hk/en/.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered and the client out of the selling process or processing of the related transaction, Standard Chartered 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.

Important Notes for General Insurance:

• The above General Insurance plans are underwritten by Allianz Global Corporate & Specialty SE (incorporated in the Federal Republic of Germany with limited liabilities) Hong Kong Branch (“Allianz”) and MSIG Insurance (Hong Kong) Limited (“MSIG”) which are general insurers authorized and regulated by the Insurance Authority of Hong Kong. Standard Chartered Bank (Hong Kong) Limited is an insurance agent appointed by Allianz and MSIG. To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.
• All General Insurance plans, offered by Allianz and MSIG, are only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

Risk Disclosure Statements:

• Investment involves risks. The prices of investment products fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. Past performance is no guide to its future performance.
• Investors 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.
• Investors should consider their own investment object­ives, investment experience, financi­al situati­on and risk tolerance level.

Risk Disclosure Statement for Investment Fund Services:

• Investment involves risks. The prices of units/shares of unit trusts or mutual funds fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. 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 of any Investment Fund is no guide to its future performance.
• Investors should carefully read the relevant offering documents and in particular the Terms & Conditions contained therein, the investment policies and the risk factors and latest financial results information. It is desirable that the Investor seeks independent financial advice with respect to any investment decision.
• Investors should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective, investment experience, financial situation and risk tolerance level before making any investment decision.

Market Commentaries:

• The Bank does not make any representation and warranty as to the correctness, completeness, accuracy, reliability or timeliness of any of the materials and information. The opinions are subject to change without notice and should not be construed as a recommendation of any individual holdings or market sectors.

Risk Disclosure Statement of 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 of Renminbi Deposit Services:

• Renminbi 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 customer subsequently converts Renminbi to another currency (including Hong Kong dollars); and
• Renminbi is currently not freely convertible and conversion of Renminbi 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.

Notes:

• This webpage does not constitute any prediction of likely future price movements.
• Investors should not make investment decisions based on this webpage alone.
• This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.