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The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

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Premium Banking Services Remarks

  1. Subject to the relevant terms and conditions, the maximum daily cardless withdrawal limit via QR Cash is HKD10,000 (or its equivalent in other currencies) unless the daily ATM withdrawal limit set by the client or the available credit limit of the client as determined by the Bank is lower than that, in which case the lower limit shall apply.
  2. For Investment Fund Services, user is allowed to trade investment funds immediately right after the investment fund account opened online. For Securities Services Account, application submitted by 5:00pm HKT will be ready for service on the next trade day.
  3. The above general insurance plans are underwritten by third party general insurance insurers which are the general insurer authorised and regulated by the Insurance Authority. The Bank is an insurance agent appointed by third party general insurance insurers. To the extent permissible by law, the Bank shall not be liable to any person for the use of any of the above information. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions, and details of the exclusions, please refer to the relevant policy or contact our third party general insurance insurers. For more information, please visit In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the client out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the client; however any dispute over the contractual terms of the product should be resolved between directly with third party general insurance insurers and the client.
  4. Please refer to the “Terms and Conditions of Premium Banking 360° Rewards (Asia Miles), Terms and Conditions of Premium Banking 360° Rewards (for Designated Cards), Terms and Conditions of Premium Banking 360° Rewards (CashBack), Terms and Conditions of 2X Premium Banking 360° Rewards, Important Notes and Risk Disclosure Statement” for details.
  5. For Online Banking Transaction, the minimum transaction amount should be HKD1.
  6. Premium Banking clients must spend at least once in retail purchase transaction (including monthly instalment and bill payment and only those transactions posted in the relevant monthly statement will be counted) or make cash advance in a month with i) the principal Standard Chartered Asia Miles Mastercard; or ii) the principal Standard Chartered Platinum Credit Card/Standard Chartered UnionPay Dual Currency Platinum Credit Card; or iii) the principal Standard Chartered Preferred Banking Credit Card; or iv) the principal Standard Chartered Simply Cash Visa Card, in order to enjoy Premium Banking 360° Rewards or 2X Premium Banking 360° Rewards for that particular month.
  7. Please refer to the Terms and Conditions of Premium Banking 2X Spending Rewards below.
  8. Not applicable to credit card cash advance. The overseas cash withdrawals may also be subject to fees and charges imposed by the overseas local bank which provides the ATM service. Please pay attention before making cash withdrawal.
  9. Premium Banking clients will be entitled to perpetual annual fee waiver as long as they are maintaining the Premium Banking account as designated by the Bank.
  10. Annualised Percentage Rate (“APR”) of Standard Chartered Asia Miles Mastercard and Standard Chartered Simply Cash Visa Card for retail purchase is 35.70%; annual fee is HKD2,000. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.
  11. Terms and Conditions apply. For details, please refer to and the related terms and conditions.
  12. If clients have subscribed for “SMS Alerts” at Online Banking, clients may enable push notification in SC Mobile App so that the banking alerts that may originally be sent by SMS will be sent to clients via the Notification Hub in SC Mobile App. Those banking alerts include alerts in relation to bill payment, cash withdrawal, fund transfer, account purchase, cheque return of banking account(s) and credit card payment due date reminder.