Standard Chartered Hong Kong | Referral Programme

DepositsCash Rebate

Marathon Savings Account

Up to 3.5% p.a. savings rate
Opening balance as low as HKD10,000/USD2,000
HKD and USD are available for selection

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Only applicable for existing clients with any deposit accounts with us and applying through SC Mobile App

Credit CardMiles

Standard Chartered Cathay Mastercard^®

New cardholders* can earn up to an extra 10,000 Miles + Up to 120,000 Welcome Miles

Up to an extra 10,000 Miles (Not applicable to new cardholders^* who selected the FanFest Offer)
Welcome Offer of up to 120,000 Miles

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^*New cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by 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.

Terms and Conditions Apply

Credit CardMiles

Standard Chartered Cathay Mastercard^®

New cardholders* can earn up to an extra 10,000 Miles + Up to 120,000 Welcome Miles

Standard Chartered Cathay Mastercard Referral Programme – Apply with valid referral code now and you and the referrer can earn extra rewards!

Up to an extra 10,000 Miles referee rewards*

New Cardholders* can earn 10,000 Miles (Not applicable to new cardholders* who selected the FanFest Offer)
Existing Cardholders^ can earn 5,000 Miles

Miles Earning Rewards:

Up to HKD 2 = 1 Mile
for eligible spending^# on Cathay and HK Express
HKD 4 = 1 Mile
for eligible spending on dining / food delivery platforms and hotels categories

Select a card type to proceed

Standard Chartered Cathay Mastercard

Enjoy up to 40,000 Asia Miles Welcome Offer
HKD4=1 Asia Mile for eligible spending on dining, hotels and overseas category
First Year Annual Fee Waiver

Standard Chartered Cathay Mastercard – Priority Banking

Priority Banking clients with Average Daily Relationship Balance of HKD1,000,000 or above can enjoy annual fee waiver of HKD4,000
Enjoy up to 100,000 Asia Miles Welcome Offer
HKD3 = 1 Asia Mile for eligible spending on overseas category
HKD4 = 1 Asia Mile for eligible spending on dining and hotels category
4 shareable Cathay Pacific Business class lounge passes per credit card membership year

Standard Chartered Cathay Mastercard – Priority Private

Priority Private clients with Average Daily Relationship Balance of HKD8,000,000 or above can enjoy annual fee waiver of HKD8,000
Enjoy up to 120,000 Asia Miles Welcome Offer
HKD2 = 1 Asia Mile for eligible spending on overseas category
HKD4 = 1 Asia Mile for eligible spending on dining and hotels category
2 shareable Cathay Pacific First class lounge passes and 8 shareable Business class lounge passes per credit card membership year

^*New cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by 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.

^Existing cardholders are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card, except for the Standard Chartered 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.

#Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.

Terms and conditions apply

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

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Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2026 to 1 July 2026, both dates inclusive (the “Promotion Period”).
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. Payroll SC Referral Club;
5. MSA SC Referral Club;
6. Standard Chartered Cathay Mastercard SC Referral Club;
7. Smart Card SC Referral Club;
8. Simply Cash Visa Card SC Referral Club;
9. 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”).
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.
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.
“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, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, 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.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.

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 Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.

^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.

# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion.

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
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.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption” under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank’s system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Standard Chartered Cathay Mastercard SC Referral Club (“Standard Chartered Cathay Mastercard SC Referral Club”)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Cathay Mastercard on Standard Chartered official website

Standard Chartered Cathay Mastercard refers to Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking or Standard Chartered Cathay Mastercard – Priority Private (each a “Standard Chartered Cathay Mastercard”).
For the Referrer to be eligible to participate in the Standard Chartered Cathay Mastercard SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Cathay Mastercard issued by the Bank in the past 6 months from the date of approval of his/her current application for a principal card of the Standard Chartered Cathay Mastercard.

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer will be entitled to cash rebate/ CashBack or Asia Miles in accordance with the table below (“Standard Chartered Cathay Mastercard Referral Offer”):

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 January to 31 March 2026	On or before 30 June 2026
1 April to 1 July 2026	On or before 30 September 2026

Standard Chartered Cathay Mastercard Referral Offer:

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)		Asia Miles (for each Successful Referral)
1 – 20	HKD500	OR	5,000 Asia Miles

Each Referrer will only be entitled to rewards for each Successful Referral under the Standard Chartered Cathay Mastercard Referral Offer for a maximum of 20 times during the Promotion Period, despite the number of Successful Referrals having exceeded 20 times.
If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referrer is entitled to Asia Miles, Asia Miles Limited will credit the Asia Miles rewarded to the Referrer’s Cathay membership account by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026

Standard Chartered Cathay Mastercard Referee Offer
In addition to the Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) for New Cardholders, the Referee who is issued with a principal card of the Standard Chartered Cathay Mastercard by the date as stated in Clause 3(c) above through a Successful Referral is entitled to Asia Miles in accordance with the table below (“Standard Chartered Cathay Mastercard Referee Offer”):-

Standard Chartered Cathay Mastercard Referee Offer

New Cardholders 10,000 Asia Miles

Existing Cardholders 5,000 Asia Miles
“New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
“Existing Cardholders” are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card, except for the Standard Chartered Cathay Mastercard, issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
The Standard Chartered Cathay Mastercard Referee Offer will be credited to Referee’s Cathay membership accounts associated with their Standard Chartered Cathay Mastercard based on the Bank’s record.
Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/en/cathay for details.
Except for the Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) for New Cardholders, both New Cardholders and Existing Cardholders cannot enjoy this Standard Chartered Cathay Mastercard Referee Offer in conjunction with any other offers for the successful application of the Standard Chartered Cathay Mastercard.
Asia Miles Limited will credit the Asia Miles rewarded to the Referee’s Cathay membership account during the period as set out below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referee who has already received the Standard Chartered Cathay Mastercard Referee Offer subsequently cancels the Standard Chartered Cathay Mastercard within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Standard Chartered Cathay Mastercard Referee Offer.

	Standard Chartered Cathay Mastercard Referee Offer
New Cardholders	10,000 Asia Miles
Existing Cardholders	5,000 Asia Miles

Credit CardCashback

Simply Cash Visa Card

New cardholders* can earn an extra HKD500 CashBack + Welcome Offer

Extra HKD900 CashBack
Welcome Offer HKD600 CashBack

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*New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Simply Cash Visa Card.

Terms and Conditions Apply

Credit CardCashback

Simply Cash Visa Card

New cardholders* can earn an extra HKD900 CashBack + HKD600 Welcome Offer

Simply Cash Visa Card – Apply with valid referral code now and you and the referrer can earn extra rewards!

Extra HKD900 CashBack referral rewards*

Unlimited 1.5% CashBack on spending in local currency
Unlimited 2.0% CashBack on spending in foreign currencies

Select a card type to proceed

Simply Cash Visa Card (Vertical)

Simply Cash Credit Card horizontal card face

Simply Cash Visa Card (Horizontal)

*New cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by 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.

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Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2026 to 1 July 2026, both dates inclusive (the “Promotion Period”).
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. Payroll SC Referral Club;
5. MSA SC Referral Club;
6. Standard Chartered Cathay Mastercard SC Referral Club;
7. Smart Card SC Referral Club;
8. Simply Cash Visa Card SC Referral Club;
9. 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”).
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.
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.
“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, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, 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.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.

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 Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.

^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.

# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion.

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
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.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption” under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank’s system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Simply Cash Visa Card SC Referral Club (“Simply Cash Visa Card SC Referral Club”)
Important Note:These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Simply Cash Visa Card on Standard Chartered official website

For the Referrer to be eligible to participate in the Simply Cash Visa Card SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of his/her current application for a principal card of the Standard Chartered Simply Cash Visa Card (“Simply Cash Visa Card”).

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer will be entitled to cash rebate, Cash Back or Asia Miles in accordance with the table below (“Simply Cash Visa Card Referral Offer”).

All the relevant requirements as set out in Section A above are fulfilled; and
Referee must successfully apply for a principal card of the Simply Cash Visa Card through the Designated Application Link using the Referral Code during the Promotion Period; and

Referee must be issued with a principal card of the Simply Cash Visa Card by the Bank by the date as specified in the table below.

Date of Card Application (both dates inclusive)	Date of Card Issuance
2 January to 31 March 2026	On or before 30 June 2026
1 April to 1 July 2026	On or before 30 September 2026

Simply Cash Visa Card Referral Offer:

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)		Asia Miles (for each Successful Referral)
1 – 20	HKD500	OR	5,000 Asia Miles

Each Referrer will only be entitled to rewards for each Successful Referral under the Simply Cash Visa Card Referral Offer for a maximum of 20 times only during the Promotion Period, despite the number of Successful Referrals having exceeded 20 times.
If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referrer is entitled to Asia Miles, Asia Miles Limited will credit the Asia Miles rewarded to the Referrer’s Cathay membership account by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026

Simply Cash Visa Card Referee Offer
In addition to the Simply Cash Visa Card’s prevailing welcome offer(s) for New Cardholders, the Referee who is issued with a principal card of the Simply Cash Visa Card by the date as stated in Clause 2(c) above through a Successful Referral is entitled to CashBack in accordance with the table below (“Simply Cash Visa Card Referee Offer”):-

Simply Cash Visa Card Referee Offer

New Cardholders HKD900 CashBack
“New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Simply Cash Visa Card.
Each Referee will only be entitled to the Simply Cash Visa Card Referee Offer once during the Promotion Period.
The Simply Cash Visa Card’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/credit-cards/simplycash/ for details.
Except for the Simply Cash Visa Card’s prevailing welcome offer(s) for New Cardholders, New Cardholders cannot enjoy this Simply Cash Visa Card Referee Offer in conjunction with any other offers for the successful application of the Simply Cash Visa Card.
The CashBack under the Simply Cash Visa Card Referee Offer will be credited to the 360° Rewards Redemption Platform by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referee who has already received the Simply Cash Visa Card Referee Offer subsequently cancels the Simply Cash Visa Card within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Cash Visa Card Referee Offer.

	Simply Cash Visa Card Referee Offer
New Cardholders	HKD900 CashBack

Credit cardCashback

Smart Card

New cardholders* can earn an extra HKD500 CashBack + Welcome Offer

Extra HKD500 CashBack
Welcome Offer HKD800 CashBack

View Details View Details

^*New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Smart Card.

Terms and Conditions Apply

Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2026 to 1 July 2026, both dates inclusive (the “Promotion Period”).
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. Payroll SC Referral Club;
5. MSA SC Referral Club;
6. Standard Chartered Cathay Mastercard SC Referral Club;
7. Smart Card SC Referral Club;
8. Simply Cash Visa Card SC Referral Club;
9. 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”).
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.
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.
“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, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, 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.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.

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 Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.

^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.

# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion.

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
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.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption” under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank’s system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Smart Credit Card SC Referral Club (“Smart Card SC Referral Club”)
Important Note:These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Smart Credit Card on Standard Chartered official website

For the Referrer to be eligible to participate in the Smart Card SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of his/her current application for a principal card of the Standard Chartered Smart Credit Card (“Smart Card”).

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer will be entitled to cash rebate, Cash Back or Asia Miles in accordance with the table below (“Smart Card Referral Offer”):

All the relevant requirements as set out in Section A above are fulfilled; and
Referee must successfully apply for a principal card of the Smart Card through the Designated Application Link using the Referral Code during the Promotion Period; and
Referee must be issued with a principal card of the Smart Card by the Bank by the date as specified in the table below.

Date of Card Application (both dates inclusive) Date of Card Issuance

2 January to 31 March 2026 On or before 30 June 2026

1 April to 1 July 2026 On or before 30 September 2026

Smart Card Referral Offer:

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)		Asia Miles (for each Successful Referral)
1 – 20	HKD500	OR	5,000 Asia Miles

Each Referrer will only be entitled to rewards for each Successful Referral under the Smart Card Referral Offer for a maximum of 20 times only during the Promotion Period, despite the number of Successful Referrals having exceeded 20 times.
If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referrer is entitled to Asia Miles, Asia Miles Limited will credit the Asia Miles rewarded to the Referrer’s Cathay membership account by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
Smart Card Referee OfferIn addition to the Smart Card’s prevailing welcome offer(s) for New Cardholders, the Referee who is issued with a principal card of the Smart Card by the date as stated in Clause 2(c) above through a Successful Referral is entitled to CashBack in accordance with the table below (“Smart Card Referee Offer”):-

Smart Card Referee Offer

New Cardholders HKD500 CashBack
“New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Smart Card.
Each Referee will only be entitled to the Smart Card Referee Offer once during the Promotion Period.
The Smart Card’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/credit-cards/smart/ for details.
Except for the Smart Card’s prevailing welcome offer(s) for New Cardholders, New Cardholders cannot enjoy this Smart Card Referee Offer in conjunction with any other offers for the successful application of the Smart Card.
The CashBack under the Smart Card Referee Offer will be credited to the 360° Rewards Redemption Platform by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referee who has already received the Smart Card Referee Offer subsequently cancels the Smart Card within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Smart Card Referee Offer.

	Smart Card Referee Offer
New Cardholders	HKD500 CashBack

DepositsCash Rebate

Payroll Account

Up to HKD8,200 cash rebate a year
Earn up to 3,000 miles quarterly for monthly salary credit
Choose to switch the Payroll Account with your HR or set up Standing Instruction to credit your funds

Apply Now Apply Now

Only applicable for existing clients with any deposit accounts with us applying through SC Mobile App

Banking Plans

Priority Private

New Clients who sign up for Priority Private will be rewarded up to HKD78,888 cash rebate or 788,880 Asia Miles

5 dedicated Wealth Management Centres at core locations in Hong Kong
Preferential deposit rates and exclusive investment offers
Prestigious travel and lifestyle experiences as well as private invitations to Priority Private exclusive events

Book Now Book Now

Banking Plan

New Clients who sign up for Banking Plan and deposit new funds will be rewarded

Priority Banking Up to HKD22,000 cash rebate or 220,000 Asia Miles

Investment Intelligence – myWealth Service
Comprehensive Wealth Management Solutions
GBA & International Banking Opportunities

Premium Banking Up to HKD900 cash rebate or 9,000 Asia Miles

Experience comprehensive digital solutions to help you bank smartly
All-rounded banking solutions with exclusive offers at payroll account and MPF services

Apply Now Apply Now

Loan

Standard Chartered Personal Instalment Loan

Cash Back for cash out loan – Up to HKD 18,000
Additional HKD 1,000 cash back for referral

View Details View Details

^New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this loan application

Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2026 to 1 July 2026, both dates inclusive (the “Promotion Period”).
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. Payroll SC Referral Club;
5. MSA SC Referral Club;
6. Standard Chartered Cathay Mastercard SC Referral Club;
7. Smart Card SC Referral Club;
8. Simply Cash Visa Card SC Referral Club;
9. 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”).
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.
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.
“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, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, 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.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.

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 Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.

^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.

# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion.

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
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.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption” under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank’s system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Standard Chartered Personal Loan SC Referral Club (“Personal Loan SC Referral Club)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Personal Loan on the Bank’s official website

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer willbe entitled to cash rebate or Cash Back in accordance with the table below (“Personal Loan Referral Offer”):
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
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.

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)
1 – 10	HKD1,000

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

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
Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
Except for the Personal Loan’s prevailing welcome offer(s) for New Clients, the Referee cannot enjoy this Personal Loan Referee Offer in conjunction with any other offers for the successful application of the Personal Loan. “New Clients” refer to applicants who are not holding any loans and/or credit cards issued by the Bank at the time of the loan application.
The Personal Loan’s prevailing welcome offer(s) for New Clients is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/loans/personal-instalment-loan/ for details.

	Personal Loan Referee Offer
Referee	HKD1,000 cash rebate

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

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.

Loan

Standard Chartered Debt Consolidation Programme

Consolidating the bills to enjoy up to HKD 21,000 cash rebate
Additional HKD 1,000 cash back for referral

View Details View Details

^New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this loan application

Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2026 to 1 July 2026, both dates inclusive (the “Promotion Period”).
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. Payroll SC Referral Club;
5. MSA SC Referral Club;
6. Standard Chartered Cathay Mastercard SC Referral Club;
7. Smart Card SC Referral Club;
8. Simply Cash Visa Card SC Referral Club;
9. 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”).
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.
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.
“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, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, 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.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.

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 Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.

^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.

# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion.

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
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.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption” under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank’s system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Standard Chartered Personal Loan SC Referral Club (“Personal Loan SC Referral Club)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Personal Loan on the Bank’s official website

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer willbe entitled to cash rebate or Cash Back in accordance with the table below (“Personal Loan Referral Offer”):
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
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.

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)
1 – 10	HKD1,000

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

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
Each Referee will only be entitled to the Personal Loan Referee Offer once during the Promotion Period.
Except for the Personal Loan’s prevailing welcome offer(s) for New Clients, the Referee cannot enjoy this Personal Loan Referee Offer in conjunction with any other offers for the successful application of the Personal Loan. “New Clients” refer to applicants who are not holding any loans and/or credit cards issued by the Bank at the time of the loan application.
The Personal Loan’s prevailing welcome offer(s) for New Clients is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/loans/personal-instalment-loan/ for details.

	Personal Loan Referee Offer
Referee	HKD1,000 cash rebate

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

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.

Credit CardMiles

Standard Chartered Cathay Mastercard^®

New cardholders* can earn up to an extra 10,000 Miles + Up to 120,000 Welcome Miles

Up to an extra 10,000 Miles (Not applicable to new cardholders^* who selected the FanFest Offer)
Welcome Offer of up to 120,000 Miles

View Details View Details

^*New cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by 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.

Terms and Conditions Apply

Credit CardMiles

Standard Chartered Cathay Mastercard^®

New cardholders* can earn up to an extra 10,000 Miles + Up to 120,000 Welcome Miles

Standard Chartered Cathay Mastercard Referral Programme – Apply with valid referral code now and you and the referrer can earn extra rewards!

Up to an extra 10,000 Miles referee rewards*

New Cardholders* can earn 10,000 Miles (Not applicable to new cardholders* who selected the FanFest Offer)
Existing Cardholders^ can earn 5,000 Miles

Miles Earning Rewards:

Up to HKD 2 = 1 Mile
for eligible spending^# on Cathay and HK Express
HKD 4 = 1 Mile
for eligible spending on dining / food delivery platforms and hotels categories

Select a card type to proceed

Standard Chartered Cathay Mastercard

Enjoy up to 40,000 Asia Miles Welcome Offer
HKD4=1 Asia Mile for eligible spending on dining, hotels and overseas category
First Year Annual Fee Waiver

Standard Chartered Cathay Mastercard – Priority Banking

Priority Banking clients with Average Daily Relationship Balance of HKD1,000,000 or above can enjoy annual fee waiver of HKD4,000
Enjoy up to 100,000 Asia Miles Welcome Offer
HKD3 = 1 Asia Mile for eligible spending on overseas category
HKD4 = 1 Asia Mile for eligible spending on dining and hotels category
4 shareable Cathay Pacific Business class lounge passes per credit card membership year

Standard Chartered Cathay Mastercard – Priority Private

Priority Private clients with Average Daily Relationship Balance of HKD8,000,000 or above can enjoy annual fee waiver of HKD8,000
Enjoy up to 120,000 Asia Miles Welcome Offer
HKD2 = 1 Asia Mile for eligible spending on overseas category
HKD4 = 1 Asia Mile for eligible spending on dining and hotels category
2 shareable Cathay Pacific First class lounge passes and 8 shareable Business class lounge passes per credit card membership year

^*New cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by 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.

^Existing cardholders are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card, except for the Standard Chartered 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.

#Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.

Terms and conditions apply

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

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Terms & Conditions

General Terms and Conditions for SC Referral Club

Unless otherwise specified, the promotion period is from 2 January 2026 to 1 July 2026, both dates inclusive (the “Promotion Period”).
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. Payroll SC Referral Club;
5. MSA SC Referral Club;
6. Standard Chartered Cathay Mastercard SC Referral Club;
7. Smart Card SC Referral Club;
8. Simply Cash Visa Card SC Referral Club;
9. 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”).
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.
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.
“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, Payroll Referral Offer, MSA Referral Offer, Standard Chartered Cathay Mastercard Referral Offer, Smart Card Referral Offer, Simply Cash Visa Card Referral Offer, Securities Referral Offer, and Personal Loan Referral Offer.
“Referee Offer” refers to an offer in the Standard Chartered Cathay Mastercard SC Referral Club, 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.
“New Service(s)” refers to newly applied Priority Private, Priority Banking, Premium Banking, Bonus Payroll Account, Marathon Savings Account, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking, Standard Chartered Cathay Mastercard – Priority Private, Smart Credit Card, Simply Cash Visa Card, and Personal Loan with the Bank.

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 Payroll SC Referral Club and the MSA SC Referral Club. Asia Miles will be provided as the Referral Offer under other SC Referral Clubs.

^ If the Referrer only holds one Standard Chartered Credit Card in the capacity as a supplementary cardholder, he / she will not be eligible to any Referral Offer.

# If the Referrer has more than one Standard Chartered Credit Cards, the Bank will select any one of the Standard Chartered Credit Cards held by the Referrer as the principal cardholder with the latest account opening date for the crediting at its sole discretion.

“Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card
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.
In respect of fulfilment of CashBack, the CashBack will be shown on the 360° Rewards Redemption Platform and will not be automatically credited to (in the case of the Referral Offer) the Referrer’s or (in the case of the Referee Offer) the Referee’s credit card account but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption” under the Terms and Conditions for Points Redemption.
In respect of fulfilment of Asia Miles, (in the case of the Referral Offer) the Referrer or (in the case of the Referee Offer) the Referee must have a valid Cathay membership account on the Bank’s record. The Bank will provide the relevant information of the Referrer’s or the Referee’s Cathay membership account, including family name, given name, membership number and the number of Asia Miles rewarded to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the Referrer’s or the Referee’s Cathay membership account on or before the relevant fulfilment date as stated in the Additional Terms and Conditions in the Sections below.
Each of the Referrer and the Referee acknowledges that the Asia Miles rewarded shall be credited to his/her Cathay membership account associated with his / her Standard Chartered Cathay Mastercard based on the Bank’s record by Asia Miles Limited. The Bank will use its best endeavor to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Referrer’s or the Referee’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at cathaypacific.com
Terms and Conditions apply for redemption and/or use of Asia Miles. For details, please visit cathaypacific.com. The Bank is not obliged to notify the Referrer or the Referee of any changes or latest announcements of Asia Miles Limited. Each of the Referrer and the Referee understands and accepts that the Bank is not the supplier of the Cathay membership account, the Asia Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Cathay membership account, the Asia Miles or the redeemed items, including without limitation, their quality, supply, descriptions of the Cathay membership account, the Asia Miles and the redeemed items provided by relevant supplier(s), false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account, the Asia Miles or the redeemed items provided by the relevant supplier(s), their respective employees, officers and/or agents. The use of the Cathay membership account, the Asia Miles and the redeemed items is subject to the term and conditions as stipulated by the relevant supplier(s).
The Referrer and the Referee shall ensure the accuracy and validity of the information provided to the Bank, including the Referral Code. Once the Referee’s application for the New Service(s) is submitted, the record cannot be amended.
In the case where, according to the Bank’s records, (a) any of the requirements in Clause 4 above is not met, (b) the Designated Application Link and/or the Referral Code of the Referrer cannot be successfully recorded in the Bank’s system, (c) the Referral Code recorded is incorrect for whatever reasons, or (d) the information provided cannot be successfully reconciled in the Bank’s system or is otherwise incorrect or insufficient for the purpose of crediting the Referral Offer or the Referee Offer, the Referral Offer and/or the Referee Offer (as the case may be) will be forfeited at the Bank’s sole discretion without prior notice.
When the Referral Offer is credited to the Referrer and the Referee Offer is credited to the Referee, (i) the Referrer must continue to be an existing client of the Bank and maintain a valid deposit or credit card account with the Bank, (ii) the New Service(s) (except in the case of Marathon Savings Account) applied by the Referee must remain valid, and (iii) the relevant banking products and services maintained with the Bank by the Referrer or the Referee must remain valid, non-delinquent and in good financial standing; otherwise, the Bank has the right to forfeit the Referral Offer or the Referee Offer (as the case may be) without prior notice, and no other reward/offer will be provided to the Referrer or the Referee through any other means.
If more than one (1) Referrer refers the same Referee to the Bank during the Promotion Period, only one (1) Referrer will be eligible to the Referral Offer. Only the Referrer whose Referral Code is used by the Referee to make the application for the New Service(s) will be eligible to the Referral Offer. In the event of any dispute, the Bank shall have the sole and absolute discretion to determine which Referrer is eligible to the Referral Offer.
Referrers cannot refer themselves as Referees. Referrers and Referees who refer each other to sign up for any of the New Service(s) will not be eligible to the Referral Offer (except in the case of MSA SC Referral Club and Standard Chartered Cathay Mastercard SC Referral Club, provided that the relevant eligibility requirements have been fulfilled). A Referee who has been successfully referred by a Referrer cannot be repeatedly referred by the same Referrer for the same product.
Each of the New Service(s) set out in these terms and conditions is subject to respective eligibility, application process and product terms and conditions and other applicable banking agreement.
The Bank shall have the sole and absolute discretion in determining the eligibility requirements of each of the New Service(s) set out in these terms and conditions, and approving any application for any New Service(s) by the Referee.
If the Referrer is entitled to the Referral Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referrer one of or part of the Referral Offer or other offers at its sole discretion. If the Referee is entitled to the Referee Offer as well as other promotional offers provided by the Bank, the Bank reserves the right to grant to the Referee one of or part of the Referee Offer or other offers at its sole discretion.
The rewards under the Referral Offer and the Referee Offer cannot be transferred, returned, exchanged, or converted into other form of reward, bonus point or cash, unless otherwise specified.
The Bank reserves the right to vary, modify or terminate any of the SC Referral Club, and to amend any of these terms and conditions herein from time to time without prior notice. Any benefit, the Referral Offer or the Referee Offer for Successful Referral is subject to availability and the Bank may change such Referral Offer or Referee Offer at its sole discretion from time to time without notice.
The Referrer’s eligibility to the Referral Offer and the Referee’s eligibility to the Referee Offer, including but not limited to the calculation of the total number of Successful Referrals, the Referee’s Total Balance at the Bank, is to be determined by the Bank based on the Bank’s latest record.
Fraud and abuse will result in forfeiture of a Referrer or a Referee’s eligibility to participate in the SC Referral Club. In case there is any suspected abuse, misuse or fraud which shall be determined at the sole discretion of the Bank, the Bank reserves the absolute right to forfeit the Referrer or the Referee’s eligibility to participate in the SC Referral Club and/or entitlement to the Referral Offer or the Referee Offer (as the case may be) without prior notice.
In case of any disputes, the Bank’s decision and record shall be final and binding.
If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

Additional Terms and Conditions for Standard Chartered Cathay Mastercard SC Referral Club (“Standard Chartered Cathay Mastercard SC Referral Club”)
Important Note: These Additional Terms are to be read together with the General Terms and Conditions in Section A above, and the Terms and Conditions of Standard Chartered Cathay Mastercard on Standard Chartered official website

Standard Chartered Cathay Mastercard refers to Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking or Standard Chartered Cathay Mastercard – Priority Private (each a “Standard Chartered Cathay Mastercard”).
For the Referrer to be eligible to participate in the Standard Chartered Cathay Mastercard SC Referral Club, the Referee must not currently hold and has not cancelled any principal card of Standard Chartered Cathay Mastercard issued by the Bank in the past 6 months from the date of approval of his/her current application for a principal card of the Standard Chartered Cathay Mastercard.

Upon fulfilment of all the following requirements, the referral will be considered as a “Successful Referral” and the Referrer will be entitled to cash rebate/ CashBack or Asia Miles in accordance with the table below (“Standard Chartered Cathay Mastercard Referral Offer”):

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 January to 31 March 2026	On or before 30 June 2026
1 April to 1 July 2026	On or before 30 September 2026

Standard Chartered Cathay Mastercard Referral Offer:

Total Number of Successful Referral(s) during the Promotion Period	Cash rebate/ CashBack (for each Successful Referral)		Asia Miles (for each Successful Referral)
1 – 20	HKD500	OR	5,000 Asia Miles

Each Referrer will only be entitled to rewards for each Successful Referral under the Standard Chartered Cathay Mastercard Referral Offer for a maximum of 20 times during the Promotion Period, despite the number of Successful Referrals having exceeded 20 times.
If the Referrer is entitled to cash rebate or CashBack, the Bank will credit the reward by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referrer is entitled to Asia Miles, Asia Miles Limited will credit the Asia Miles rewarded to the Referrer’s Cathay membership account by the date as specified in the table below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026

Standard Chartered Cathay Mastercard Referee Offer
In addition to the Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) for New Cardholders, the Referee who is issued with a principal card of the Standard Chartered Cathay Mastercard by the date as stated in Clause 3(c) above through a Successful Referral is entitled to Asia Miles in accordance with the table below (“Standard Chartered Cathay Mastercard Referee Offer”):-

Standard Chartered Cathay Mastercard Referee Offer

New Cardholders 10,000 Asia Miles

Existing Cardholders 5,000 Asia Miles
“New Cardholders” are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
“Existing Cardholders” are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card, except for the Standard Chartered Cathay Mastercard, issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
Each Referee will only be entitled to the Standard Chartered Cathay Mastercard Referee Offer once during the Promotion Period.
The Standard Chartered Cathay Mastercard Referee Offer will be credited to Referee’s Cathay membership accounts associated with their Standard Chartered Cathay Mastercard based on the Bank’s record.
Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) is/are subject to relevant prevailing terms and conditions, please visit sc.com/hk/en/cathay for details.
Except for the Standard Chartered Cathay Mastercard’s prevailing welcome offer(s) for New Cardholders, both New Cardholders and Existing Cardholders cannot enjoy this Standard Chartered Cathay Mastercard Referee Offer in conjunction with any other offers for the successful application of the Standard Chartered Cathay Mastercard.
Asia Miles Limited will credit the Asia Miles rewarded to the Referee’s Cathay membership account during the period as set out below.

Date of Card Application (both dates inclusive) Fulfilment Date

2 January to 31 March 2026 On or before 30 September 2026

1 April to 1 July 2026 On or before 31 December 2026
If the Referee who has already received the Standard Chartered Cathay Mastercard Referee Offer subsequently cancels the Standard Chartered Cathay Mastercard within one year from the date of its issuance, the Bank reserves the right to charge against the cost equivalent to the value of the Standard Chartered Cathay Mastercard Referee Offer.

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