Terms & Conditions
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General Terms and Conditions for SC Referral Club
- Unless otherwise specified, the promotion period is from 2 July 2025 to 1 January 2026, both dates inclusive (the “Promotion Period”).
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The SC Referral Club consists of the
following:-
- Priority Private SC Referral Club;
- Priority Banking SC Referral Club;
- Premium Banking SC Referral Club;
- Easy Banking SC Referral Club;
- Payroll SC Referral Club;
- MSA SC Referral Club;
- Standard Chartered Cathay Mastercard SC Referral Club; and
- Smart Card SC Referral Club.
- Securities Account SC Referral Club
- Personal Loan SC Referral Club.
- To be eligible to participate in the SC Referral Club, the referrer (“Referrer”) must be an existing client of the Bank and hold at least one (1) valid deposit account (as primary account holder in the case of joint account), or one (1) valid credit card (as principal card cardholder) issued by, the Bank. Business Banking clients, Private Bank clients, and staff of the Bank are not eligible as a Referrer under the SC Referral Club.
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For a Referrer to enjoy a Referral Offer, the Referrer must
make a successful referral of an individual
(“Referee”) to sign up for any New Service(s)
during the Promotion Period with the following requirements
having been fulfilled (“Successful Referral”):
- the Referrer shall share with the Referee a designated link for application (“Designated Application Link”) with the referral code (“Referral Code”) embedded via SC Mobile during the Promotion Period.
- the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
- additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
- “Referral Offer” refers to an offer in each SC Referral Club under which a Referrer will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Priority Private Referral Offer, Priority Banking Referral Offer, Premium Banking Referral Offer, Easy Banking Referral Offer, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Securities Referral Offer and Personal Loan Referral Offer.
- “Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club and the Smart Card SC Referral Club under which a Referee will be entitled to upon fulfilment of the requirements in the relevant terms and conditions, including the Standard Chartered Cathay Mastercard Referee Offer, the Smart Card Referee Offer and the Personal Loan Referee Offer.
- “New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Easy Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, new Securities Account and Personal Loan with the Bank.
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The Referrer will be rewarded with either cash rebate,
CashBack or Asia Miles as the Referral Offer for each
Successful Referral under the SC Referral Club depending on
the product(s) the Referrer holds with the Bank. Details of
the Referral Offer that the Referrer may be entitled to under
a SC Referral Club, including the fulfilment date, are
specified in the Additional Terms and Conditions in the
Sections below.
Notes:Product(s) held by the Referrer Form of Referral Offer Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) only Cash rebate Deposit account(s) (sole name or joint deposit account in the capacity as primary account holder) and any Standard Chartered Credit Card(s) Cash rebate Standard Chartered Cathay Mastercard only^ Asia Miles / CashBack* One or more Standard Chartered Credit Card(s)#, ^ CashBack
* CashBack will be provided as the Referral Offer under the Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.
^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.
# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion. - “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
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In respect of fulfilment of cash rebate, the Bank will credit
the cash rebate to the HKD deposit account (excluding Marathon
Savings Account, Wealth Saver Account, MortgageOne® Account
and Mortgage Saver Current Account) held by (in the case of
the Referral Offer) the Referrer or (in the case of the
Referee Offer) the Referee in sole name:
- Sub-account under Integrated Deposits Account;
- Current Account;
- Statement Savings; and
- Passbook Savings.
If Referrer or the Referee has more than one account under same account type, the Bank will select any one of the accounts with the latest account opening date for the crediting at its discretion. If the Referrer or the Referee does not have any account as stated above on the date when the cash rebate is to be credited, the cash rebate shall be forfeited absolutely at the Bank’s sole discretion and shall not be paid to the Referrer or the Referee through any other means. - In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption" under the Terms and Conditions for Points Redemption.
- In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
- Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
- Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
- The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
- In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank's system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
- When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
- If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
- Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of the Payroll SC Referral Club, MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
- Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
- The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
- If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
- The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
- The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
- The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
- Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
- In case of any disputes, the Bank’s decision and record shall be final and binding.
- If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
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Additional Terms and Conditions for SC Referral Club – Priority
Private (“Priority Private SC Referral Club”)
Important Note:These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions for New Funds Growth Offer – cash rebate/Asia Miles for New Priority Private Client as well as the Terms and Conditions for Priority Private.-
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For the Referrer to be eligible to participate in the
Priority Private SC Referral Club, the Referee:
- Must NOT hold any product or service with or distributed by the Bank in the past 12 months from the date of the current sign-up for Priority Private. Holders of Standard Chartered Credit Cards will not be deemed as holders of products or services with or distributed by the Bank; and
- Must be the primary account holder either in sole name or joint name of the newly applied Priority Private
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If the Referrer is entitled to cash rebate or CashBack, the
Bank will credit the reward by the dates as specified in the
table below (“Cash rebate / CashBack Fulfilment Date”) without
prior notice:
Promotion Quarter (both dates inclusive) Cash rebate / CashBack Fulfilment Date 1 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 31 December 2025 On or before 30 June 2026 -
If the Referrer is entitled to Asia Miles, Asia Miles Limited
will credit the Asia Miles rewarded to the Referrer’s Cathay
membership account during the period as set out below (“Asia
Miles Fulfilment Date”) without prior notice:
Promotion Quarter (both dates inclusive) Fulfilment Date 1 July 2025 to 30 September 2025 Within 4-6 weeks after 31 March 2026 1 October 2025 to 31 December 2025 Within 4-6 weeks after 30 June 2026 -
Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate, CashBack or Asia
Miles in accordance with the table below
(“Priority Private Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully complete the Referee Registration Form (the “Referee Registration Form”) through the Designated Application Link using the Referral Code during the Promotion Period; and
- Referee must complete the account opening process and Priority Private sign-up process using the same mobile number submitted in the Referee Registration Form, through visiting any of the Bank’s branches upon successfully submitting the Referee Registration Form during the same Promotion Quarter; and
- Referee must take up or hold HKD Savings Account and HKD Current Account (or any Foreign Currency Savings Account) at the time of signing up for Priority Private; and
- Referee must fulfil all requirements and be rewarded with the New Funds Growth Offer for New Client as set out in the Terms and Conditions for Priority Banking Promotion.
Total Number of Successful Referral(s) during the Promotion Quarter Cash rebate / CashBack (for each Successful Referral) Asia Miles (for each Successful Referral) 1 – 10 HKD10,000 OR 100,000 Asia Miles -
To be a Priority Private Client, you need to maintain the
average Total Balance with the Bank at HKD8,000,000 or above.
After the first 12 months following the issuance date of the
welcome letter, your eligibility as Priority Private Client
will be reviewed twice annually in the months of June and
December. At the time of review, your average Total Balance
with the Bank should be maintained at HKD8,000,000 or above
for the preceding 3 months in order to maintain the Priority
Private status for the next 12 months. “Total Balance”
includes the aggregate balance of deposits, investments and
accumulated premiums of selected insurance under personal
account as the primary account holder. If the average daily
Relationship Balance of a Priority Private Client within the
quarter falls below HKD1,000,000, a maintenance fee of HKD900
will be charged for the quarter. For details, please refer to
the Service Charges booklet and Banking Terms and Conditions
which can be obtained at any of our branches or at our website
sc •com/hk. “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 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 co-branded 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.) - Each Referrer will only be entitled to the Priority Private Referral Offer for a maximum of 10 times only during the Promotion Quarter.
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Additional Terms and Conditions for Banking Plan SC Referral
Club – Priority Banking, Premium Banking and Easy Banking
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Priority Banking Promotion at sc.com/hk/pb, Terms and Conditions of Premium Banking Promotion at sc.com/hk/premium-banking and Terms and Conditions of Easy Banking Promotion at sc.com/hk/en/ea.-
For the Referrer to be eligible to participate in the
SC Referral Club – Priority Banking, Premium Banking and
Easy Banking,
the Referee:
- must NOT hold any product or service with or distributed by the Bank in the past 12 months from the date of the current signup for Priority Banking, Premium Banking or Easy Banking. Holders of Standard Chartered Credit Cards will not be deemed as holders of products or services with or distributed by the Bank; and
- must be the primary account holder either in sole name or joint name of the newly applied Priority Banking, Premium Banking or Easy Banking.
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If the Referrer is entitled to cash rebate or CashBack, the
Bank will credit the reward by the dates as specified in the
table below (“CashBack Fulfilment Date”) without prior notice:
Promotion Quarter (both dates inclusive) CashBack Fulfilment Date 1 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 31 December 2025 On or before 30 June 2026 -
If the Referrer is entitled to Asia Miles, Asia Miles Limited
will credit the Asia Miles rewarded to the Referrer’s Cathay
membership account during the period as set out below (“Asia
Miles Fulfilment Date”):
Promotion Quarter (both dates inclusive) Fulfilment Date 1 July 2025 to 30 September 2025 Within 4-6 weeks after 31 March 2026 1 October 2025 to 31 December 2025 Within 4-6 weeks after 30 June 2026
SC Referral Club – Priority Banking (“Priority Banking SC
Referral Club”)
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Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate, CashBack or Asia
Miles in accordance with the table below
(“Priority Banking Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully complete the Referee Registration Form (the “Referee Registration Form”) through the Designated Application Link using the Referral Code during the Promotion Period; and
- Referee must complete the account opening process and Priority Banking sign-up process using the same mobile number submitted in the Referee Registration Form through visiting any of the Bank’s branches or SC Mobile App upon successfully submitting the Referee Registration Form during the Promotion Period; and
- Referee must take up or hold HKD Savings Account and HKD Current Account (or any Foreign Currency Savings Account) at the time of signing up for Priority Banking; and
- Referee must fulfil all requirements and be rewarded with the New Funds Growth Offer for New Client as set out in the Terms and Conditions for Priority Banking Promotion.
Total Number of Successful Referral(s) during the Promotion Period Cash rebate / CashBack (for each Successful Referral) Asia Miles (for each Successful Referral) 1 – 10 HKD1,000 OR 10,000 Asia Miles -
If the Referee fulfils all requirements in Clause 4 of this
Section, the Referrer will also be entitled to an extra reward
(“Extra Reward”) in accordance with the table
below:
Total Number of Successful Referral(s) during the Promotion Period Extra Reward – cash rebate / CashBack (for each Successful Referral) Extra Reward – Asia Miles (for each Successful Referral) 1 – 10 HKD500 OR 5,000 Asia Miles - For the Referee who has successfully signed up for Priority Banking, if the average daily Relationship Balance of the Referee within a quarter falls below HKD1,000,000, a maintenance fee of HKD900 will be charged for the quarter. For details, please refer to the Service Charges booklet and Banking Terms & Conditions which can be obtained at any of the Bank’s branches or our website . sc.com/hk
- Each Referrer will only be entitled to the Priority Banking Referral Offer and the Extra Reward under the Priority Banking SC Referral Club for a maximum of 10 times only during the Promotion Period.
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Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate, CashBack or Asia
Miles in accordance with the table below (“Premium Banking Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully complete the Referee Registration Form (the “Referee Registration Form”) through the Designated Application Link using the Referral Code during the Promotion Period; and
- Referee must complete the account opening process and Premium Banking sign-up process using the same mobile number submitted in the Referee Registration Form through visiting any of the Bank’s branches or SC Mobile App upon successfully submitting the Referee Registration Form during the Promotion Period; and
- Referee must take up or hold HKD Savings Account and HKD Current Account (or any Foreign Currency Savings Account) at the time of signing up for Premium Banking; and
- Referee must fulfil all requirements and be rewarded with the New Funds Growth Offer for New Client as set out in the Terms and Conditions for Premium Banking Promotion.
Total Number of Successful Referral(s) during the Promotion Period Cash rebate/ CashBack (for each Successful Referral) Asia Miles (for each Successful Referral) 1 – 10 HKD400 OR 4,000 Asia Miles - Each Referrer will only be entitled to the Premium Banking Referral Offer under the Premium Banking SC Referral Club for a maximum of 10 times only during the Promotion Period.
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Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate, CashBack or Asia
Miles in accordance with the table below (“Easy Banking Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully complete the Referee Registration Form (the “Referee Registration Form”) through the Designated Application Link using the Referral Code during the Promotion Period; and
- Referee must complete the account opening process and Easy Banking sign-up process using the same mobile number submitted in the Referee Registration Form through visiting any of the Bank’s branches or SC Mobile App upon successfully submitting the Referee Registration Form during the Promotion Period; and
- Referee must take up or hold HKD Savings Account and HKD Current Account (or any Foreign Currency Savings Account) at the time of signing up for Easy Banking; and
- Referee must deposit New Funds of HKD10,000 or above on or before the deadline specified below, and maintain a Total Balance of at least HKD10,000 until the designated date specified below:
“New Funds” refers to the below funds credited to the Referee’s Standard Chartered accounts: . monies newly deposited into the Bank from other banks via cash, cheque, cashier’s order, Local Bank Transfer Payment through Real Time Gross Settlement (RTGS, also known as Clearing House Automated Transfer System (CHATs)), Transfer through Faster Payment System (FPS) or Telegraphic Transfer; orEasy Banking Sign-up Date (both dates inclusive) Deadline for depositing the New Funds Designated Date (inclusive) 1 – 31 July 2025 31 August 2025 31 October 2025 1 – 31 August 2025 30 September 2025 30 November 2025 1 – 30 September 2025 31 October 2025 31 December 2025 1 – 31 October 2025 30 November 2025 31 January 2026 1 – 30 November 2025 31 December 2025 28 February 2026 1 – 31 December 2025 31 January 2026 31 March 2026 - funds converted from any currency held with the Bank; or
- redemption funds of the following investment or insurance products, including Equity Linked Investment, Debt Securities (Bonds and Structured Notes), Insurance, Securities and Unit Trust.
New Funds exclude any renewal or rollover of existing time deposits, transfer of funds from any account within the Bank, any currency converted from Premium Deposits, Structured Deposits and Currency Switching upon maturity.
“Total Balance” includes the aggregate balance of deposit, investments and accumulated premiums of selected insurance under personal account as primary account holder.
Total Number of Successful Referral(s) during the Promotion Period Cash rebate/ CashBack (for each Successful Referral) Asia Miles (for each Successful Referral) 1 – 10 HKD300 OR 3,000 Asia Miles - Each Referrer will only be entitled to the Easy Banking Referral Offer under the Easy Banking SC Referral Club for a maximum of 10 times only during the Promotion Period.
SC Referral Club – Premium Banking (“Premium Banking SC Referral Club”)
SC Referral Club – Easy Banking (“Easy Banking SC Referral Club”)
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For the Referrer to be eligible to participate in the
SC Referral Club – Priority Banking, Premium Banking and
Easy Banking,
the Referee:
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Additional Terms and Conditions for Bonus Payroll Account SC
Referral Club ("Payroll SC Referral Club”)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Bonus Payroll Account Promotion at Standard Chartered official website.
- For the Referrer to be eligible to participate in the Payroll SC Referral Club, the Referee must NOT use the Bank’s auto-payroll services in the past 12 months prior to the date of signing up for the BP Account (as defined below).
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Upon fulfilment of all the following requirements, the referral will be considered as a “Successful
Referral” and the Referrer will be entitled to cash rebate or CashBack of HKD400 for each Successful
Referral (“Payroll Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- The Referee successfully signs up for a Bonus Payroll Account (“BP Account”) as the primary account holder, being either a HKD Sustainable Savings Account or a HKD savings account with an Integrated Deposits Account that is designated as such, through the Designated Application Link using the Referral Code in SC Mobile App during the Promotion Period; and
- The Referee shall commence receiving a monthly salary of HK$20,000 or above on average (“Average Monthly Salary”) via the BP Account every month for three consecutive months through the Auto-Payroll Service within the first 2 calendar months from the date of signing up for the BP Account, and continue using the Auto-Payroll Service until the Payroll Referral Offer is rewarded to the Referrer.
- The Bank’s records of the Referee’s Average Monthly Salary shall be final and conclusive. In case of disputes, the Bank’s decision shall be final and binding.
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If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward by the dates
specified in the table below (“Cash rebate / CashBack Fulfilment Date”) without prior notice:
Promotion Quarter (both dates inclusive) Cash rebate / CashBack Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 2 October 2025 to 31 December 2025 On or before 30 June 2026
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Additional Terms and Conditions for Marathon Savings Account SC
Referral Club ("MSA SC Referral Club”)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Marathon Savings Account Promotion at sc.com/hk/msatnc.- The promotion period is from 2 July 2025 to 30 September 2025, both dates inclusive (the “MSA Referral Promotion Period”). During the MSA Referral Promotion Period, the MSA SC Referral Club covers July 2025 Standard Chartered Marathon Savings Account Promotion (“July MSA promotion”), August 2025 Standard Chartered Marathon Savings Account Promotion (“August MSA promotion”), September 2025 Standard Chartered Marathon Savings Account Promotion (“September MSA promotion”).
- For the Referrer to be eligible to participate in the MSA SC Referral Club, the Referee must NOT open any Marathon Savings Account (“MSA”) with the Bank in the past 12 months from the date of opening MSA.
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Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate or CashBack of HKD300
for each Successful Referral (“MSA Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- The Referee opens a MSA with the Bank through the Designated Application Link using the Referral Code in SC Mobile App during the Promotion Period; and
- The Referee deposits New Funds of at least HKD500,000 (or equivalent) in the MSA upon account opening and maintains such New Funds until the last day of the Bonus Period as stated in the relevant terms and conditions applicable to the July MSA promotion, August MSA promotion and September MSA promotion, as the case may be.
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“New Funds” refers to the below funds
credited to the Referee’s Standard Chartered accounts within 4
working days (excluding Sunday and Public Holiday) before and
until the opening date of the MSA:
- monies newly deposited into the Bank from other banks via cash, cheque, cashier’s order, Local Bank Transfer Payment through Real Time Gross Settlement (RTGS, also known as Clearing House Automated Transfer System (CHATs)), Transfer through Faster Payment System (FPS) or Telegraphic Transfer; or
- funds converted from any currency held with the Bank; or
- redemption funds of the following investment or insurance products, including Equity Linked Investment, Debt Securities (Bonds and Structured Notes), Insurance, Securities and Unit Trust.
- If the Referee has opened more than one MSA under the same MSA promotion (that is, July MSA promotion, August MSA promotion and September MSA promotion), while the deposit balance of each MSA in different currency will be calculated separately, the Bank will aggregate the deposit balance of all MSAs opened using the same Referral Code under the same currency and same MSA promotion to calculate the total deposit balance for that currency. For the purpose of calculating the total deposit balance in HKD, the deposit balance of the MSA(s) in USD will be converted to HKD at an exchange rate of 7.8.
- The Referrer may enjoy the MSA Referral Offer by referring the same Referee to open a MSA once only during the Promotion Period.
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The cash rebate or Cashback will be credited to Referrer by
the dates as specified in the table below without prior
notice:
Promotion Quarter (both dates inclusive) Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026
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Additional Terms and Conditions for Standard Chartered Cathay
Mastercard SC Referral Club (“Standard Chartered Cathay
Mastercard SC Referral Club”)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Cathay Mastercard on Standard Chartered official website- Standard Chartered Cathay Mastercard refers to Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking or Standard Chartered Cathay Mastercard – Priority Private (each a “Standard Chartered Cathay Mastercard”).
- For the Referrer to be eligible to participate in the Standard Chartered Cathay Mastercard SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Cathay Mastercard issued by the Bank in the past 6 months from the date of approval of his/her current application for a principal card of the Standard Chartered Cathay Mastercard.
-
Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate/ CashBack or Asia
Miles in accordance with the table below (“Standard Chartered Cathay Mastercard Referral
Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully apply for a principal card of the Standard Chartered Cathay Mastercard through the Designated Application Link using the Referral Code during the Promotion Quarter; and
- Referee must be issued with a principal card of the Standard Chartered Cathay Mastercard by the Bank by the date as specified in the table below.
Date of Card Application (both dates inclusive) Date of Card Issuance 2 July 2025 to 30 September 2025 On or before 31 December 2025 1 October 2025 to 1 January 2026 On or before 31 March 2026
Standard Chartered Cathay Mastercard Referral Offer:Total Number of Successful Referral(s) during the Promotion Period Cash rebate/ CashBack (for each Successful Referral) Asia Miles (for each Successful Referral) 1 – 20 HKD500 OR 5,000 Asia Miles - Each Referrer will only be entitled to rewards for each Successful Referral under the Standard Chartered Cathay Mastercard Referral Offer for a maximum of 20 times during the Promotion Period, despite the number of Successful Referrals having exceeded 20 times.
-
If the Referrer is entitled to cash rebate or CashBack, the
Bank will credit the reward by the date as specified in the
table below.
Date of Card Application (both dates inclusive) Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 1 January 2026 On or before 30 June 2026 -
If the Referrer is entitled to Asia Miles, Asia Miles Limited
will credit the Asia Miles rewarded to the Referrer’s Cathay
membership account by the date as specified in the table
below.
Date of Card Application (both dates inclusive) Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 1 January 2026 On or before 30 June 2026 -
In addition to the Standard Chartered Cathay Mastercard’s
prevailing welcome offer(s) for New Cardholders, the Referee
who is issued with a principal card of the Standard Chartered
Cathay Mastercard by the date as stated in Clause 3(c) above
through a Successful Referral is entitled to Asia Miles in
accordance with the table below (“Standard Chartered Cathay Mastercard Referee
Offer”):-
Standard Chartered Cathay Mastercard Referee Offer New Cardholders 10,000 Asia Miles Existing Cardholders 5,000 Asia Miles - “New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
- “Existing Cardholders” are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card, except for the Standard Chartered Cathay Mastercard, issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
- Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
- The Standard Chartered Cathay Mastercard Referee Offer will be credited to Referee’s Cathay membership accounts associated with their Standard Chartered Cathay Mastercard based on the Bank’s record.
- Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/en/cathay for details.
- Except for the Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) for New Cardholders, both New Cardholders and Existing Cardholders cannot enjoy this Standard Chartered Cathay Mastercard Referee Offer in conjunction with any other offers for the successful application of the Standard Chartered Cathay Mastercard.
-
Asia Miles Limited will credit the Asia Miles rewarded to the
Referee’s Cathay membership account during the period as set
out below.
Date of Card Application (both dates inclusive) Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 1 January 2026 On or before 30 June 2026 - If the Referee who has already received the Standard Chartered Cathay Mastercard Referee Offer subsequently cancels the Standard Chartered Cathay Mastercard within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Standard Chartered Cathay Mastercard Referee Offer.
Standard Chartered Cathay Mastercard Referee Offer
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Additional Terms and Conditions for Smart Credit Card SC
Referral Club (“Smart Card SC Referral Club”)
Important Note:These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Smart Credit Card on Standard Chartered official website
- For the Referrer to be eligible to participate in the Smart Card SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of his/her current application for aex principal card of the Standard Chartered Smart Credit Card (“Smart Card”).
-
Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate, Cash Back or Asia
Miles in accordance with the table below (“Smart Card Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully apply for a principal card of the Smart Card through the Designated Application Link using the Referral Code during the Promotion Period; and
-
Referee must be issued with a principal card of the Smart
Card by the Bank by the date as specified in the table
below.
Smart Card Referral Offer:Date of Card Application (both dates inclusive) Date of Card Issuance 2 July 2025 to 30 September 2025 On or before 31 December 2025 1 October 2025 to 1 January 2026 On or before 31 March 2026 Total Number of Successful Referral(s) during the Promotion Period Cash rebate/ CashBack (for each Successful Referral) Asia Miles (for each Successful Referral) 1 – 20 HKD500 OR 5,000 Asia Miles
- Each Referrer will only be entitled to rewards for each Successful Referral under the Smart Card Referral Offer for a maximum of 20 times only during the Promotion Period, despite the number of Successful Referrals having exceeded 20 times.
-
If the Referrer is entitled to cash rebate or CashBack, the
Bank will credit the reward by the date as specified in the
table below.
Date of Card Application (both dates inclusive) Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 1 January 2026 On or before 30 June 2026 -
If the Referrer is entitled to Asia Miles, Asia Miles Limited
will credit the Asia Miles rewarded to the Referrer’s
Cathay membership account by the date as specified in the table
below.
Date of Card Application (both dates inclusive) Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 1 January 2026 On or before 30 June 2026 -
In addition to the Smart Card’s prevailing welcome offer(s)
for New Cardholders, the Referee who is issued with a
principal card of the Smart Card by the date as stated in
Clause 2(c) above through a Successful Referral is entitled to
CashBack in accordance with the table below (“Smart Card Referee Offer”):-
Smart Card Referee Offer New Cardholders HKD900 CashBack - “New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Smart Card.
- Each Referee will only be entitled to the Smart Card Referee Offer once during the Promotion Period.
- The Smart Card’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/credit-cards/smart/ for details.
- Except for the Smart Card’s prevailing welcome offer(s) for New Cardholders, New Cardholders cannot enjoy this Smart Card Referee Offer in conjunction with any other offers for the successful application of the Smart Card.
-
The CashBack under the Smart Card Referee Offer will be
credited to the 360° Rewards Redemption Platform by the date
as specified in the table below.
Date of Card Application (both dates inclusive) Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 1 October 2025 to 1 January 2026 On or before 30 June 2026 - If the Referee who has already received the Smart Card Referee Offer subsequently cancels the Smart Card within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Smart Card Referee Offer.
Smart Card Referee Offer
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Additional Terms and Conditions for Securities Account SC
Referral Club (“Securities SC Referral Club”)
Important Note:These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Securities Services on Standard Chartered official website and Terms and Conditions for Perpetual Securities Buy Brokerage Rebate for Payroll Client.
- For the Referrer to be eligible to participate in the Securities SC Referral Club, the Referee must not currently hold or has not cancelled any Securities Account with the Bank in the past 12 months from the date of opening a new Securities Account.
-
Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer will be entitled to cash rebate of HKD200 for each
Successful Referral (“Securities Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully complete the Referee Registration Form (the “Referee Registration Form”) through the Designated Application Link using the Referral Code during the Promotion Period; and
- Referee must successfully open a Securities Account with the Bank during the Promotion Period using the same Identity Document Number submitted in the Referee Registration Form; and
- Referee must hold at least one (1) valid deposit account with the Bank when applying for the Securities Account;
- The Referrer may enjoy the Securities Referral Offer by referring the same Referee to open a Securities Account once only during the Promotion Period.
-
The cash rebate will be credited to both the Referrer and the
Referee
by the dates as specified in the table below (“Cash Rebate
Fulfilment Date”) without prior notice:
Promotion Quarter (both dates inclusive) Cash Rebate Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 2 October 2025 to 31 December 2025 On or before 30 June 2026
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Additional Terms and Conditions for Standard Chartered Personal
Loan SC Referral Club (“Personal Loan SC Referral Club)
Important Note:These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Personal Loan on the Bank’s official website.
-
Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer willbe entitled to cash rebate or Cash Back in
accordance with the table below (“Personal Loan Referral Offer”):
- All the relevant requirements as set out in Section A above are fulfilled; and
- Referee must successfully apply for a Personal Instalment Loan or Debt Consolidation Loan of at least HK$200,000 with tenor of 36 months or above (the “Personal Loan”) with the Bank and drawdown such Personal Loan within 3 months from the application date; and
- Referee must successfully apply for the Personal Loan through the Designated Application Link using the Referral Codeduring the Promotion Period; and
-
Referee must drawdown such Personal Loan from the Bank on
or before 1 July 2025
Total Number of Successful Referral(s) during the Promotion Period Cash rebate/ CashBack (for each Successful Referral) 1 – 10 HKD1,000
- Each Referrer will only be entitled to the Personal Loan Referral Offer under the Personal Loan SC Referral Club for a maximum of 10 times only during the Promotion Period.
-
If the Referrer is entitled to cash rebate or CashBack, the
Bank will credit the reward by the dates as specified in the
table below (“Cash rebate/ CashBack Fulfilment Date”) without
prior notice:
Promotion Quarter (both dates inclusive) Cash rebate/ CashBack Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 2 October 2025 to 31 December 2025 On or before 30 June 2026 -
The Referee who drawdowns the Personal Loan on or before 1
July 2025 and within 3 months from the application date
through a Successful Referral is entitled to cash rebate in
accordance with the table below (“Personal Loan Referee
Offer”):-
Personal Loan Referee Offer Referee HKD1,000 cash rebate - Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
- Except for the Personal Loan’s prevailing welcome offer(s) for New Clients, the Referee cannot enjoy this Personal Loan Referee Offer in conjunction with any other offers for the successful application of the Personal Loan. “New Clients” refer to applicants who are not holding any loans and/or credit cards issued by the Bank at the time of the loan application.
- The Personal Loan’s prevailing welcome offer(s) for New Clients is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/loans/personal-instalment-loan/ for details.
-
The cash rebate under the Personal Loan Referee Offer will be
credited to the Referee by the dates as specified in the
tablebelow (“Cash Rebate Fulfilment Date”) without prior
notice:
Promotion Quarter (both dates inclusive) Cash Rebate Fulfilment Date 2 July 2025 to 30 September 2025 On or before 31 March 2026 2 October 2025 to 31 December 2025 On or before 30 June 2026 - If the Referee does not hold a valid deposit account as stated in Clause [10] of Part A (General Terms and Conditions for SC Referral Club) above, the Bank will credit the cash rebate to the Referee’s personal loans repayment account on the Bank’s record at the time when cash rebate is credited.
Personal Loan Referee Offer
-
Upon fulfilment of all the following requirements, the
referral will be considered as a “Successful Referral” and the
Referrer willbe entitled to cash rebate or Cash Back in
accordance with the table below (“Personal Loan Referral Offer”):