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Refer & be rewarded

Make your first referral today to unlock rewards.

You’ll be rewarded
(each referral)
Up to HKD12,888 or 128,880 Miles

How to refer (3 simple steps)

  • Share our promotions below
  • Your friend signs up for one or more products
  • You’re rewarded

Latest Referral Products

All
Deposits
Credit Cards
Banking Plans
Loans
Msa
DepositsCash Rebate

Marathon Savings Account

You get (each referral)
HKD300 cash rebate or CashBack
Your friends get
Up to 3.5% p.a. savings rate
Terms and conditions apply. Offer is only applicable to refer a friend who have not opened Marathon Savings Account with the Bank in the past 12 months from the date of account opening.

Terms & Conditions

Terms & Conditions have been updated.

You will need to review and accept before proceeding.

  • General Terms and Conditions for SC Referral Club
    1. Unless otherwise specified, the promotion period is from 2 July 2026 to 1 January 2027, both dates inclusive (the “Promotion Period”).
    2. The SC Referral Club consists of the following:-
      1. Priority Private SC Referral Club;
      2. Priority Banking SC Referral Club;
      3. Premium Banking SC Referral Club;
      4. Bonus Saver SC Referral Club
      5. Marathon Savings Account SC Referral Club;
      6. Standard Chartered Cathay Mastercard SC Referral Club;
      7. Simply Cash Visa Card SC Referral Club;
      8. Personal Loan SC Referral Club.

      Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).

    3. 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.
    4. 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”):
      1. 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.
      2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
      3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
    5. “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, Bonus Saver Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
    6. “Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, the Smart Card SC Referral Club, the Simply Cash Visa Card SC Referral Club, and the Personal Loan 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, the Simply Cash Visa Card Referee Offer, and the Personal Loan Referee Offer.
    7. “New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Saver, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.
    8. 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.
      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

      Notes:
      * CashBack will be provided as the Referral Offer under the Bonus Saver 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.

    9. “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
    10. 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:
      1. Sub-account under Integrated Deposits Account;
      2. Current Account;
      3. Statement Savings; and
      4. Passbook Savings.

      If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

      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.

    11. 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.
    12. 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.
    13. 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
    14. 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).
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. In case of any disputes, the Bank’s decision and record shall be final and binding.
    28. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
  • 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.
    1. For the Referrer to be eligible to participate in the Priority Private SC Referral Club, the Referee:
      1. 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
      2. Must be the primary account holder either in sole name or joint name of the newly applied Priority Private
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 July2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027
    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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 HKD12,888 OR 128,880 Asia Miles
    5. 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.)
    6. Each Referrer will only be entitled to the Priority Private Referral Offer for a maximum of 10 times only during the Promotion Quarter.
  • Additional Terms and Conditions for Banking Plan SC Referral Club – Priority Banking and Premium BankingImportant 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, and Terms and Conditions of Premium Banking Promotion at sc.com/hk/premium-banking.
    1. For the Referrer to be eligible to participate in the SC Referral Club – Priority Banking and Premium Banking, the Referee:
      1. 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 Banking or Premium Banking. Holders of Standard Chartered Credit Cards will not be deemed as holders of products or services with or distributed by the Bank; and
      2. must be the primary account holder either in sole name or joint name of the newly applied Priority Banking or Premium Banking.
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027

      SC Referral Club – Priority Banking (“Priority Banking SC Referral Club”)

    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    5. 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
    6. 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
    7. 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.
      SC Referral Club – Premium Banking (“Premium Banking SC Referral Club”)
    8. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    9. 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.
  • Additional Terms and Conditions for Bonus Saver SC Referral Club (“Bonus Saver 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 Saver Welcome Offer Promotion at Standard Chartered official website.
    1. For the Referrer to be eligible to participate in the Bonus Saver SC Referral Club, the Referee must NOT hold a Bonus Saver with the Bank in the past 12 months prior to the first date of the Bonus Saver Welcome Offer Promotion Period
    2. 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 (“Bonus Saver Referral Offer”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. The Referee successfully signs up for Bonus Saver (“Bonus Saver”) 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
      3. The Referee shall commence conducting Monthly Eligible Fund-in of HKD20,000 or above on average (“Average Monthly Eligible Fund-in”) via the Bonus Saver every month for three consecutive months within the first 2 calendar months from the date of signing up for Bonus Saver, and continue conducting Monthly Eligible Fund-in of not less than HKD20,000 until the relevant reward under the Bonus Saver Referral Offer is rewarded.

      “Auto-Payroll Service” means the automatic crediting of salary to Bonus Saver on a monthly basis by (a) the client’s employer through automatic payment arrangements as specified by the Bank from time to time or (b) standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL” from other local banks (other than the Bank).  “Auto-Payroll Service” does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

      “Monthly Eligible Fund-in” means the automatic crediting of fund to a Bonus Saver on a monthly basis by

      1. the client’s employer through automatic payment arrangements as specified by the Bank from time to time; or
      2. standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL”, “BONUS”, “SAVER” from other local banks (other than the Bank).

      Monthly Eligible Fund-in does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

    3. The Bank’s records of the Referee’s Average Monthly Eligible Fund-in shall be final and conclusive. In case of disputes, the Bank’s decision shall be final and binding.
    4. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
  • 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.
    1. During the Promotion Period, the MSA SC Referral Club covers July 2026 Standard Chartered Marathon Savings Account Promotion (“July MSA promotion”), August 2026 Standard Chartered Marathon Savings Account Promotion (“August MSA promotion”), September 2026 Standard Chartered Marathon Savings Account Promotion (“September MSA promotion”), October 2026 Standard Chartered Marathon Savings Account Promotion (“October MSA promotion”), November 2026 Standard Chartered Marathon Savings Account Promotion (“November MSA promotion”) and December 2026 Standard Chartered Marathon Savings Account Promotion (“December MSA promotion”).
    2. 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.
    3. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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, September MSA promotion, October MSA promotion, November MSA promotion and December MSA promotion, as the case may be.
    4. New Funds exclude any renewal or rollover of existing time deposits, transfer of funds from any account within the Bank, any currency converted from Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period
      1. 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
      2. funds converted from any currency held with the Bank; or
      3. 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 Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period.

    5. If the Referee has opened more than one MSA under the same MSA promotion (that is, July MSA promotion, August MSA promotion, September MSA promotion, October MSA promotion, November MSA promotion and December 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.
    6. The Referrer may enjoy the MSA Referral Offer by referring the same Referee to open a MSA once only during the Promotion Period.
    7. 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 to 30 September 2026 On or before 31 March 2027
      2 October to 31 December 2026 On or before 30 June 2027
  • 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
    1. 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”).
    2. 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.
    3. 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”):
        1. All the relevant requirements as set out in Section A above are fulfilled; and
        2. 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
        3. 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 to 30 September 2026 On or before 31 December 2026
      1 October to 1 January 2027 On or before 31 March 2027

      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
    4. 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.
    5. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    6. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027

      Standard Chartered Cathay Mastercard Referee Offer

    7. 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
    8. “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.
    9. “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.
    10. Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
    11. 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.
    12. 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.
    13. 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.
    14. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    15. 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.
  • Additional Terms and Conditions for Simply Cash Visa Card SC Referral Club (“Simply Cash Visa Card SC Referral Club”)Please stay tuned.
  • 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
    1. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. Referee must successfully apply for the Personal Loan through the Designated Application Link using the Referral Codeduring the Promotion Period; and
      4. 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
    2. 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.
    3. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026

      Personal Loan Referee Offer

    4. The Referee who drawdowns the Personal Loan on or before 1 January 2026 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
    5. Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
    6. 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.
    7. 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.
    8. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026
    9. 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.
Text, Credit Card, Electronics
Credit Card

Standard Chartered Cathay Mastercard®

You get (each referral)
Up to HKD500 cash rebate / CashBack or 5,000 Asia Miles
Your friends get
Up to Extra 10,000 Miles + Auto-enrolled into Blind Box Surprise and enjoy up to 364,000 miles*
*Terms and conditions apply. Promotion date and details refer to: sc.com/hk/credit-cards/cathay/luckydraw-r2/

Terms & Conditions

Terms & Conditions have been updated.

You will need to review and accept before proceeding.

  • General Terms and Conditions for SC Referral Club
    1. Unless otherwise specified, the promotion period is from 2 July 2026 to 1 January 2027, both dates inclusive (the “Promotion Period”).
    2. The SC Referral Club consists of the following:-
      1. Priority Private SC Referral Club;
      2. Priority Banking SC Referral Club;
      3. Premium Banking SC Referral Club;
      4. Bonus Saver SC Referral Club
      5. Marathon Savings Account SC Referral Club;
      6. Standard Chartered Cathay Mastercard SC Referral Club;
      7. Simply Cash Visa Card SC Referral Club;
      8. Personal Loan SC Referral Club.

      Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).

    3. 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.
    4. 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”):
      1. 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.
      2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
      3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
    5. “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, Bonus Saver Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
    6. “Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, the Smart Card SC Referral Club, the Simply Cash Visa Card SC Referral Club, and the Personal Loan 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, the Simply Cash Visa Card Referee Offer, and the Personal Loan Referee Offer.
    7. “New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Saver, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.
    8. 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.
      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

      Notes:
      * CashBack will be provided as the Referral Offer under the Bonus Saver 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.

    9. “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
    10. 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:
      1. Sub-account under Integrated Deposits Account;
      2. Current Account;
      3. Statement Savings; and
      4. Passbook Savings.

      If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

      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.

    11. 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.
    12. 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.
    13. 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
    14. 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).
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. In case of any disputes, the Bank’s decision and record shall be final and binding.
    28. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
  • 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.
    1. For the Referrer to be eligible to participate in the Priority Private SC Referral Club, the Referee:
      1. 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
      2. Must be the primary account holder either in sole name or joint name of the newly applied Priority Private
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 July2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027
    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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 HKD12,888 OR 128,880 Asia Miles
    5. 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.)
    6. Each Referrer will only be entitled to the Priority Private Referral Offer for a maximum of 10 times only during the Promotion Quarter.
  • Additional Terms and Conditions for Banking Plan SC Referral Club – Priority Banking and Premium BankingImportant 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, and Terms and Conditions of Premium Banking Promotion at sc.com/hk/premium-banking.
    1. For the Referrer to be eligible to participate in the SC Referral Club – Priority Banking and Premium Banking, the Referee:
      1. 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 Banking or Premium Banking. Holders of Standard Chartered Credit Cards will not be deemed as holders of products or services with or distributed by the Bank; and
      2. must be the primary account holder either in sole name or joint name of the newly applied Priority Banking or Premium Banking.
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027

      SC Referral Club – Priority Banking (“Priority Banking SC Referral Club”)

    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    5. 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
    6. 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
    7. 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.
      SC Referral Club – Premium Banking (“Premium Banking SC Referral Club”)
    8. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    9. 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.
  • Additional Terms and Conditions for Bonus Saver SC Referral Club (“Bonus Saver 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 Saver Welcome Offer Promotion at Standard Chartered official website.
    1. For the Referrer to be eligible to participate in the Bonus Saver SC Referral Club, the Referee must NOT hold a Bonus Saver with the Bank in the past 12 months prior to the first date of the Bonus Saver Welcome Offer Promotion Period
    2. 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 (“Bonus Saver Referral Offer”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. The Referee successfully signs up for Bonus Saver (“Bonus Saver”) 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
      3. The Referee shall commence conducting Monthly Eligible Fund-in of HKD20,000 or above on average (“Average Monthly Eligible Fund-in”) via the Bonus Saver every month for three consecutive months within the first 2 calendar months from the date of signing up for Bonus Saver, and continue conducting Monthly Eligible Fund-in of not less than HKD20,000 until the relevant reward under the Bonus Saver Referral Offer is rewarded.

      “Auto-Payroll Service” means the automatic crediting of salary to Bonus Saver on a monthly basis by (a) the client’s employer through automatic payment arrangements as specified by the Bank from time to time or (b) standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL” from other local banks (other than the Bank).  “Auto-Payroll Service” does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

      “Monthly Eligible Fund-in” means the automatic crediting of fund to a Bonus Saver on a monthly basis by

      1. the client’s employer through automatic payment arrangements as specified by the Bank from time to time; or
      2. standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL”, “BONUS”, “SAVER” from other local banks (other than the Bank).

      Monthly Eligible Fund-in does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

    3. The Bank’s records of the Referee’s Average Monthly Eligible Fund-in shall be final and conclusive. In case of disputes, the Bank’s decision shall be final and binding.
    4. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
  • 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.
    1. During the Promotion Period, the MSA SC Referral Club covers July 2026 Standard Chartered Marathon Savings Account Promotion (“July MSA promotion”), August 2026 Standard Chartered Marathon Savings Account Promotion (“August MSA promotion”), September 2026 Standard Chartered Marathon Savings Account Promotion (“September MSA promotion”), October 2026 Standard Chartered Marathon Savings Account Promotion (“October MSA promotion”), November 2026 Standard Chartered Marathon Savings Account Promotion (“November MSA promotion”) and December 2026 Standard Chartered Marathon Savings Account Promotion (“December MSA promotion”).
    2. 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.
    3. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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, September MSA promotion, October MSA promotion, November MSA promotion and December MSA promotion, as the case may be.
    4. New Funds exclude any renewal or rollover of existing time deposits, transfer of funds from any account within the Bank, any currency converted from Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period
      1. 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
      2. funds converted from any currency held with the Bank; or
      3. 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 Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period.

    5. If the Referee has opened more than one MSA under the same MSA promotion (that is, July MSA promotion, August MSA promotion, September MSA promotion, October MSA promotion, November MSA promotion and December 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.
    6. The Referrer may enjoy the MSA Referral Offer by referring the same Referee to open a MSA once only during the Promotion Period.
    7. 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 to 30 September 2026 On or before 31 March 2027
      2 October to 31 December 2026 On or before 30 June 2027
  • 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
    1. 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”).
    2. 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.
    3. 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”):
        1. All the relevant requirements as set out in Section A above are fulfilled; and
        2. 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
        3. 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 to 30 September 2026 On or before 31 December 2026
      1 October to 1 January 2027 On or before 31 March 2027

      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
    4. 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.
    5. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    6. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027

      Standard Chartered Cathay Mastercard Referee Offer

    7. 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
    8. “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.
    9. “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.
    10. Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
    11. 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.
    12. 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.
    13. 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.
    14. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    15. 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.
  • Additional Terms and Conditions for Simply Cash Visa Card SC Referral Club (“Simply Cash Visa Card SC Referral Club”)Please stay tuned.
  • 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
    1. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. Referee must successfully apply for the Personal Loan through the Designated Application Link using the Referral Codeduring the Promotion Period; and
      4. 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
    2. 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.
    3. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026

      Personal Loan Referee Offer

    4. The Referee who drawdowns the Personal Loan on or before 1 January 2026 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
    5. Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
    6. 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.
    7. 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.
    8. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026
    9. 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.
Hk deposits bonus saver mgm
Deposits

Bonus Saver

You get (each referral)
HKD400 cash rebate or CashBack
Your friends get
Up to HKD8,200 cash rebate a year
Terms and conditions apply. Offer is only applicable to refer a friend does not hold a Bonus Saver with the Bank in the past 12 months prior to the first date of the Bonus Saver Welcome Offer Promotion Period i.e. 1st July.

Terms & Conditions

Terms & Conditions have been updated.

You will need to review and accept before proceeding.

  • General Terms and Conditions for SC Referral Club
    1. Unless otherwise specified, the promotion period is from 2 July 2026 to 1 January 2027, both dates inclusive (the “Promotion Period”).
    2. The SC Referral Club consists of the following:-
      1. Priority Private SC Referral Club;
      2. Priority Banking SC Referral Club;
      3. Premium Banking SC Referral Club;
      4. Bonus Saver SC Referral Club
      5. Marathon Savings Account SC Referral Club;
      6. Standard Chartered Cathay Mastercard SC Referral Club;
      7. Simply Cash Visa Card SC Referral Club;
      8. Personal Loan SC Referral Club.

      Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).

    3. 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.
    4. 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”):
      1. 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.
      2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
      3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
    5. “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, Bonus Saver Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
    6. “Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, the Smart Card SC Referral Club, the Simply Cash Visa Card SC Referral Club, and the Personal Loan 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, the Simply Cash Visa Card Referee Offer, and the Personal Loan Referee Offer.
    7. “New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Saver, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.
    8. 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.
      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

      Notes:
      * CashBack will be provided as the Referral Offer under the Bonus Saver 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.

    9. “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
    10. 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:
      1. Sub-account under Integrated Deposits Account;
      2. Current Account;
      3. Statement Savings; and
      4. Passbook Savings.

      If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

      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.

    11. 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.
    12. 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.
    13. 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
    14. 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).
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. In case of any disputes, the Bank’s decision and record shall be final and binding.
    28. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
  • 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.
    1. For the Referrer to be eligible to participate in the Priority Private SC Referral Club, the Referee:
      1. 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
      2. Must be the primary account holder either in sole name or joint name of the newly applied Priority Private
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 July2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027
    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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 HKD12,888 OR 128,880 Asia Miles
    5. 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.)
    6. Each Referrer will only be entitled to the Priority Private Referral Offer for a maximum of 10 times only during the Promotion Quarter.
  • Additional Terms and Conditions for Banking Plan SC Referral Club – Priority Banking and Premium BankingImportant 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, and Terms and Conditions of Premium Banking Promotion at sc.com/hk/premium-banking.
    1. For the Referrer to be eligible to participate in the SC Referral Club – Priority Banking and Premium Banking, the Referee:
      1. 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 Banking or Premium Banking. Holders of Standard Chartered Credit Cards will not be deemed as holders of products or services with or distributed by the Bank; and
      2. must be the primary account holder either in sole name or joint name of the newly applied Priority Banking or Premium Banking.
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027

      SC Referral Club – Priority Banking (“Priority Banking SC Referral Club”)

    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    5. 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
    6. 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
    7. 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.
      SC Referral Club – Premium Banking (“Premium Banking SC Referral Club”)
    8. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    9. 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.
  • Additional Terms and Conditions for Bonus Saver SC Referral Club (“Bonus Saver 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 Saver Welcome Offer Promotion at Standard Chartered official website.
    1. For the Referrer to be eligible to participate in the Bonus Saver SC Referral Club, the Referee must NOT hold a Bonus Saver with the Bank in the past 12 months prior to the first date of the Bonus Saver Welcome Offer Promotion Period
    2. 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 (“Bonus Saver Referral Offer”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. The Referee successfully signs up for Bonus Saver (“Bonus Saver”) 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
      3. The Referee shall commence conducting Monthly Eligible Fund-in of HKD20,000 or above on average (“Average Monthly Eligible Fund-in”) via the Bonus Saver every month for three consecutive months within the first 2 calendar months from the date of signing up for Bonus Saver, and continue conducting Monthly Eligible Fund-in of not less than HKD20,000 until the relevant reward under the Bonus Saver Referral Offer is rewarded.

      “Auto-Payroll Service” means the automatic crediting of salary to Bonus Saver on a monthly basis by (a) the client’s employer through automatic payment arrangements as specified by the Bank from time to time or (b) standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL” from other local banks (other than the Bank).  “Auto-Payroll Service” does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

      “Monthly Eligible Fund-in” means the automatic crediting of fund to a Bonus Saver on a monthly basis by

      1. the client’s employer through automatic payment arrangements as specified by the Bank from time to time; or
      2. standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL”, “BONUS”, “SAVER” from other local banks (other than the Bank).

      Monthly Eligible Fund-in does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

    3. The Bank’s records of the Referee’s Average Monthly Eligible Fund-in shall be final and conclusive. In case of disputes, the Bank’s decision shall be final and binding.
    4. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
  • 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.
    1. During the Promotion Period, the MSA SC Referral Club covers July 2026 Standard Chartered Marathon Savings Account Promotion (“July MSA promotion”), August 2026 Standard Chartered Marathon Savings Account Promotion (“August MSA promotion”), September 2026 Standard Chartered Marathon Savings Account Promotion (“September MSA promotion”), October 2026 Standard Chartered Marathon Savings Account Promotion (“October MSA promotion”), November 2026 Standard Chartered Marathon Savings Account Promotion (“November MSA promotion”) and December 2026 Standard Chartered Marathon Savings Account Promotion (“December MSA promotion”).
    2. 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.
    3. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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, September MSA promotion, October MSA promotion, November MSA promotion and December MSA promotion, as the case may be.
    4. New Funds exclude any renewal or rollover of existing time deposits, transfer of funds from any account within the Bank, any currency converted from Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period
      1. 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
      2. funds converted from any currency held with the Bank; or
      3. 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 Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period.

    5. If the Referee has opened more than one MSA under the same MSA promotion (that is, July MSA promotion, August MSA promotion, September MSA promotion, October MSA promotion, November MSA promotion and December 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.
    6. The Referrer may enjoy the MSA Referral Offer by referring the same Referee to open a MSA once only during the Promotion Period.
    7. 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 to 30 September 2026 On or before 31 March 2027
      2 October to 31 December 2026 On or before 30 June 2027
  • 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
    1. 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”).
    2. 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.
    3. 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”):
        1. All the relevant requirements as set out in Section A above are fulfilled; and
        2. 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
        3. 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 to 30 September 2026 On or before 31 December 2026
      1 October to 1 January 2027 On or before 31 March 2027

      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
    4. 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.
    5. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    6. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027

      Standard Chartered Cathay Mastercard Referee Offer

    7. 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
    8. “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.
    9. “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.
    10. Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
    11. 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.
    12. 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.
    13. 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.
    14. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    15. 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.
  • Additional Terms and Conditions for Simply Cash Visa Card SC Referral Club (“Simply Cash Visa Card SC Referral Club”)Please stay tuned.
  • 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
    1. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. Referee must successfully apply for the Personal Loan through the Designated Application Link using the Referral Codeduring the Promotion Period; and
      4. 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
    2. 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.
    3. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026

      Personal Loan Referee Offer

    4. The Referee who drawdowns the Personal Loan on or before 1 January 2026 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
    5. Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
    6. 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.
    7. 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.
    8. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026
    9. 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.
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Loan

Standard Chartered Personal Instalment Loan

You get (each referral)
HKD1,000 cash rebate/ CashBack
Your friends get
Extra HKD1,000 cash rebate

Terms & Conditions

Terms & Conditions have been updated.

You will need to review and accept before proceeding.

  • General Terms and Conditions for SC Referral Club
    1. Unless otherwise specified, the promotion period is from 2 July 2026 to 1 January 2027, both dates inclusive (the “Promotion Period”).
    2. The SC Referral Club consists of the following:-
      1. Priority Private SC Referral Club;
      2. Priority Banking SC Referral Club;
      3. Premium Banking SC Referral Club;
      4. Bonus Saver SC Referral Club
      5. Marathon Savings Account SC Referral Club;
      6. Standard Chartered Cathay Mastercard SC Referral Club;
      7. Simply Cash Visa Card SC Referral Club;
      8. Personal Loan SC Referral Club.

      Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).

    3. 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.
    4. 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”):
      1. 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.
      2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
      3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
    5. “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, Bonus Saver Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
    6. “Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, the Smart Card SC Referral Club, the Simply Cash Visa Card SC Referral Club, and the Personal Loan 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, the Simply Cash Visa Card Referee Offer, and the Personal Loan Referee Offer.
    7. “New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Saver, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.
    8. 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.
      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

      Notes:
      * CashBack will be provided as the Referral Offer under the Bonus Saver 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.

    9. “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
    10. 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:
      1. Sub-account under Integrated Deposits Account;
      2. Current Account;
      3. Statement Savings; and
      4. Passbook Savings.

      If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

      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.

    11. 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.
    12. 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.
    13. 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
    14. 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).
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. In case of any disputes, the Bank’s decision and record shall be final and binding.
    28. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
  • 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.
    1. For the Referrer to be eligible to participate in the Priority Private SC Referral Club, the Referee:
      1. 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
      2. Must be the primary account holder either in sole name or joint name of the newly applied Priority Private
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 July2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027
    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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 HKD12,888 OR 128,880 Asia Miles
    5. 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.)
    6. Each Referrer will only be entitled to the Priority Private Referral Offer for a maximum of 10 times only during the Promotion Quarter.
  • Additional Terms and Conditions for Banking Plan SC Referral Club – Priority Banking and Premium BankingImportant 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, and Terms and Conditions of Premium Banking Promotion at sc.com/hk/premium-banking.
    1. For the Referrer to be eligible to participate in the SC Referral Club – Priority Banking and Premium Banking, the Referee:
      1. 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 Banking or Premium Banking. Holders of Standard Chartered Credit Cards will not be deemed as holders of products or services with or distributed by the Bank; and
      2. must be the primary account holder either in sole name or joint name of the newly applied Priority Banking or Premium Banking.
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027

      SC Referral Club – Priority Banking (“Priority Banking SC Referral Club”)

    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    5. 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
    6. 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
    7. 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.
      SC Referral Club – Premium Banking (“Premium Banking SC Referral Club”)
    8. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    9. 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.
  • Additional Terms and Conditions for Bonus Saver SC Referral Club (“Bonus Saver 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 Saver Welcome Offer Promotion at Standard Chartered official website.
    1. For the Referrer to be eligible to participate in the Bonus Saver SC Referral Club, the Referee must NOT hold a Bonus Saver with the Bank in the past 12 months prior to the first date of the Bonus Saver Welcome Offer Promotion Period
    2. 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 (“Bonus Saver Referral Offer”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. The Referee successfully signs up for Bonus Saver (“Bonus Saver”) 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
      3. The Referee shall commence conducting Monthly Eligible Fund-in of HKD20,000 or above on average (“Average Monthly Eligible Fund-in”) via the Bonus Saver every month for three consecutive months within the first 2 calendar months from the date of signing up for Bonus Saver, and continue conducting Monthly Eligible Fund-in of not less than HKD20,000 until the relevant reward under the Bonus Saver Referral Offer is rewarded.

      “Auto-Payroll Service” means the automatic crediting of salary to Bonus Saver on a monthly basis by (a) the client’s employer through automatic payment arrangements as specified by the Bank from time to time or (b) standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL” from other local banks (other than the Bank).  “Auto-Payroll Service” does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

      “Monthly Eligible Fund-in” means the automatic crediting of fund to a Bonus Saver on a monthly basis by

      1. the client’s employer through automatic payment arrangements as specified by the Bank from time to time; or
      2. standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL”, “BONUS”, “SAVER” from other local banks (other than the Bank).

      Monthly Eligible Fund-in does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

    3. The Bank’s records of the Referee’s Average Monthly Eligible Fund-in shall be final and conclusive. In case of disputes, the Bank’s decision shall be final and binding.
    4. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
  • 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.
    1. During the Promotion Period, the MSA SC Referral Club covers July 2026 Standard Chartered Marathon Savings Account Promotion (“July MSA promotion”), August 2026 Standard Chartered Marathon Savings Account Promotion (“August MSA promotion”), September 2026 Standard Chartered Marathon Savings Account Promotion (“September MSA promotion”), October 2026 Standard Chartered Marathon Savings Account Promotion (“October MSA promotion”), November 2026 Standard Chartered Marathon Savings Account Promotion (“November MSA promotion”) and December 2026 Standard Chartered Marathon Savings Account Promotion (“December MSA promotion”).
    2. 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.
    3. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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, September MSA promotion, October MSA promotion, November MSA promotion and December MSA promotion, as the case may be.
    4. New Funds exclude any renewal or rollover of existing time deposits, transfer of funds from any account within the Bank, any currency converted from Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period
      1. 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
      2. funds converted from any currency held with the Bank; or
      3. 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 Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period.

    5. If the Referee has opened more than one MSA under the same MSA promotion (that is, July MSA promotion, August MSA promotion, September MSA promotion, October MSA promotion, November MSA promotion and December 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.
    6. The Referrer may enjoy the MSA Referral Offer by referring the same Referee to open a MSA once only during the Promotion Period.
    7. 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 to 30 September 2026 On or before 31 March 2027
      2 October to 31 December 2026 On or before 30 June 2027
  • 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
    1. 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”).
    2. 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.
    3. 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”):
        1. All the relevant requirements as set out in Section A above are fulfilled; and
        2. 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
        3. 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 to 30 September 2026 On or before 31 December 2026
      1 October to 1 January 2027 On or before 31 March 2027

      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
    4. 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.
    5. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    6. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027

      Standard Chartered Cathay Mastercard Referee Offer

    7. 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
    8. “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.
    9. “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.
    10. Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
    11. 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.
    12. 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.
    13. 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.
    14. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    15. 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.
  • Additional Terms and Conditions for Simply Cash Visa Card SC Referral Club (“Simply Cash Visa Card SC Referral Club”)Please stay tuned.
  • 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
    1. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. Referee must successfully apply for the Personal Loan through the Designated Application Link using the Referral Codeduring the Promotion Period; and
      4. 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
    2. 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.
    3. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026

      Personal Loan Referee Offer

    4. The Referee who drawdowns the Personal Loan on or before 1 January 2026 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
    5. Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
    6. 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.
    7. 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.
    8. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026
    9. 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.
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Loan

Standard Chartered Debt Consolidation Programme

You get (each referral)
HKD1,000 cash rebate/ CashBack
Your friends get
Extra HKD1,000 cash rebate

Terms & Conditions

Terms & Conditions have been updated.

You will need to review and accept before proceeding.

  • General Terms and Conditions for SC Referral Club
    1. Unless otherwise specified, the promotion period is from 2 July 2026 to 1 January 2027, both dates inclusive (the “Promotion Period”).
    2. The SC Referral Club consists of the following:-
      1. Priority Private SC Referral Club;
      2. Priority Banking SC Referral Club;
      3. Premium Banking SC Referral Club;
      4. Bonus Saver SC Referral Club
      5. Marathon Savings Account SC Referral Club;
      6. Standard Chartered Cathay Mastercard SC Referral Club;
      7. Simply Cash Visa Card SC Referral Club;
      8. Personal Loan SC Referral Club.

      Additional terms and conditions apply to each SC Referral Club. There may be additional requirements to be fulfilled under each SC Referral Club. Please refer to the Sections below for details. Additional Terms and Conditions of each SC Referral Club should be read together with these General Terms and Conditions, as well as any prevailing terms applicable to your banking relationship with Standard Chartered Bank (Hong Kong) Limited (the “Bank”).

    3. 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.
    4. 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”):
      1. 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.
      2. the Referee shall apply for any New Service(s) with the Bank using such Referral link during the Promotion Period; and
      3. additional requirements specified in the Additional Terms and Conditions of each SC Referral Club in the Sections below are fulfilled.
    5. “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, Bonus Saver Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
    6. “Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, the Smart Card SC Referral Club, the Simply Cash Visa Card SC Referral Club, and the Personal Loan 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, the Simply Cash Visa Card Referee Offer, and the Personal Loan Referee Offer.
    7. “New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Saver, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.
    8. 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.
      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

      Notes:
      * CashBack will be provided as the Referral Offer under the Bonus Saver 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.

    9. “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
    10. 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:
      1. Sub-account under Integrated Deposits Account;
      2. Current Account;
      3. Statement Savings; and
      4. Passbook Savings.

      If the Referrer or the Referee has no valid HKD deposit account in sole name, the Bank will credit the Cash rebate to the Referrer’s or the Referee’s HKD joint deposit account in the capacity as primary account holder in the above sequence. If the Referrer or the Referee has no valid HKD deposit account, the Bank will credit to the Referrer’s or the Referee’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence.

      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.

    11. 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.
    12. 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.
    13. 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
    14. 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).
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. In case of any disputes, the Bank’s decision and record shall be final and binding.
    28. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
  • 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.
    1. For the Referrer to be eligible to participate in the Priority Private SC Referral Club, the Referee:
      1. 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
      2. Must be the primary account holder either in sole name or joint name of the newly applied Priority Private
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 July2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027
    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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 HKD12,888 OR 128,880 Asia Miles
    5. 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.)
    6. Each Referrer will only be entitled to the Priority Private Referral Offer for a maximum of 10 times only during the Promotion Quarter.
  • Additional Terms and Conditions for Banking Plan SC Referral Club – Priority Banking and Premium BankingImportant 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, and Terms and Conditions of Premium Banking Promotion at sc.com/hk/premium-banking.
    1. For the Referrer to be eligible to participate in the SC Referral Club – Priority Banking and Premium Banking, the Referee:
      1. 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 Banking or Premium Banking. Holders of Standard Chartered Credit Cards will not be deemed as holders of products or services with or distributed by the Bank; and
      2. must be the primary account holder either in sole name or joint name of the newly applied Priority Banking or Premium Banking.
    2. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
    3. 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 2026 to 30 September 2026 Within 4-6 weeks after 31 March 2027
      1 October 2026 to 31 December 2026 Within 4-6 weeks after 30 June 2027

      SC Referral Club – Priority Banking (“Priority Banking SC Referral Club”)

    4. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    5. 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
    6. 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
    7. 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.
      SC Referral Club – Premium Banking (“Premium Banking SC Referral Club”)
    8. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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
      4. 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
      5. 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
    9. 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.
  • Additional Terms and Conditions for Bonus Saver SC Referral Club (“Bonus Saver 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 Saver Welcome Offer Promotion at Standard Chartered official website.
    1. For the Referrer to be eligible to participate in the Bonus Saver SC Referral Club, the Referee must NOT hold a Bonus Saver with the Bank in the past 12 months prior to the first date of the Bonus Saver Welcome Offer Promotion Period
    2. 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 (“Bonus Saver Referral Offer”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. The Referee successfully signs up for Bonus Saver (“Bonus Saver”) 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
      3. The Referee shall commence conducting Monthly Eligible Fund-in of HKD20,000 or above on average (“Average Monthly Eligible Fund-in”) via the Bonus Saver every month for three consecutive months within the first 2 calendar months from the date of signing up for Bonus Saver, and continue conducting Monthly Eligible Fund-in of not less than HKD20,000 until the relevant reward under the Bonus Saver Referral Offer is rewarded.

      “Auto-Payroll Service” means the automatic crediting of salary to Bonus Saver on a monthly basis by (a) the client’s employer through automatic payment arrangements as specified by the Bank from time to time or (b) standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL” from other local banks (other than the Bank).  “Auto-Payroll Service” does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

      “Monthly Eligible Fund-in” means the automatic crediting of fund to a Bonus Saver on a monthly basis by

      1. the client’s employer through automatic payment arrangements as specified by the Bank from time to time; or
      2. standing instruction with transaction narrative containing “SALARY”, “SALARIES”, “WAGE”, “WAGES”, “PAYROLL”, “BONUS”, “SAVER” from other local banks (other than the Bank).

      Monthly Eligible Fund-in does not include payment through overseas telegraphic transfer, Clearing House Automated Transfer System (CHATs), cheque or cash.

    3. The Bank’s records of the Referee’s Average Monthly Eligible Fund-in shall be final and conclusive. In case of disputes, the Bank’s decision shall be final and binding.
    4. 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 2026 to 30 September 2026 On or before 31 March 2027
      1 October 2026 to 31 December 2026 On or before 30 June 2027
  • 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.
    1. During the Promotion Period, the MSA SC Referral Club covers July 2026 Standard Chartered Marathon Savings Account Promotion (“July MSA promotion”), August 2026 Standard Chartered Marathon Savings Account Promotion (“August MSA promotion”), September 2026 Standard Chartered Marathon Savings Account Promotion (“September MSA promotion”), October 2026 Standard Chartered Marathon Savings Account Promotion (“October MSA promotion”), November 2026 Standard Chartered Marathon Savings Account Promotion (“November MSA promotion”) and December 2026 Standard Chartered Marathon Savings Account Promotion (“December MSA promotion”).
    2. 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.
    3. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. 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, September MSA promotion, October MSA promotion, November MSA promotion and December MSA promotion, as the case may be.
    4. New Funds exclude any renewal or rollover of existing time deposits, transfer of funds from any account within the Bank, any currency converted from Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period
      1. 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
      2. funds converted from any currency held with the Bank; or
      3. 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 Structured Deposits upon maturity, and the sum of principal amount of all time deposit(s) and MSA(s) placed during the counting period.

    5. If the Referee has opened more than one MSA under the same MSA promotion (that is, July MSA promotion, August MSA promotion, September MSA promotion, October MSA promotion, November MSA promotion and December 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.
    6. The Referrer may enjoy the MSA Referral Offer by referring the same Referee to open a MSA once only during the Promotion Period.
    7. 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 to 30 September 2026 On or before 31 March 2027
      2 October to 31 December 2026 On or before 30 June 2027
  • 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
    1. 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”).
    2. 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.
    3. 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”):
        1. All the relevant requirements as set out in Section A above are fulfilled; and
        2. 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
        3. 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 to 30 September 2026 On or before 31 December 2026
      1 October to 1 January 2027 On or before 31 March 2027

      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
    4. 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.
    5. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    6. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027

      Standard Chartered Cathay Mastercard Referee Offer

    7. 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
    8. “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.
    9. “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.
    10. Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
    11. 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.
    12. 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.
    13. 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.
    14. 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 to 30 September 2026 On or before 31 March 2027
      1 October to 1 January 2027 On or before 30 June 2027
    15. 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.
  • Additional Terms and Conditions for Simply Cash Visa Card SC Referral Club (“Simply Cash Visa Card SC Referral Club”)Please stay tuned.
  • 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
    1. 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”):
      1. All the relevant requirements as set out in Section A above are fulfilled; and
      2. 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
      3. Referee must successfully apply for the Personal Loan through the Designated Application Link using the Referral Codeduring the Promotion Period; and
      4. 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
    2. 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.
    3. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026

      Personal Loan Referee Offer

    4. The Referee who drawdowns the Personal Loan on or before 1 January 2026 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
    5. Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
    6. 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.
    7. 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.
    8. 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 January to 31 March 2026 On or before 30 September 2026
      1 April 2026 to 30 June 2026 On or before 31 December 2026
    9. 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.

Protecting your assets is our top priority. To prevent misuse of your personal information, please remind your friends to check the following before clicking any Standard Chartered Bank link:

  • Ensure the URL starts with www.sc.com and ends with a 7-digit code
  • Ascertain the identity of the sender;
  • Make sure the link hasn’t been redirected and carefully check the website for any suspicious signs
The SC Referral Club is open to all existing primary account holder of deposit accounts and principal cardholders of credit cards to invite their friends to Standard Chartered and earn CashBack/cash rebates or Asia Miles on successful referrals.
For details on Referrer offers, please refer to the Additional Terms and Conditions of the respective SC Referral Club Programs/Products.
Your friend and family will receive a sign-up reward if he/she has successfully signed up for an eligible product and fulfil the sign-up eligibility criteria. For details, please refer to each of the Terms and Conditions of these products that he/she is applying for.
For details on Referee eligibility for each Products/Programs on New Services(s) , please refer to the Additional Terms and Conditions of the respective SC Referral Club Programs/products
Your referral cashback will be credited to your account. For detail timing for each product/program, please refer to each of the Terms and Conditions of these products.
Terms & Conditions of SC Referral Club

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