Sign-Up Offers
Up to HK$1,000 cashback
Terms & Conditions
Credit Card Welcome Offer up to HK$1,000
New cardholders can enjoy HK$200 cashback without spending requirement; and
HK$800 cashback upon making accumulated eligible transactions of HK$3,500 within the first month from the date of issuance.
Smart Card Welcome Offer T&C
Only applicable to application of New Cardholders of this webpage.
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 (the “Bank”) in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
“Eligible Transactions” are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase but do not include without limitation cash advances, gambling tokens, insurance payment, transactions made at security brokers or dealers, bill payment (including but without limitation tax and utilities payment) via Internet/ATMs/Phone Banking Services or other available means, any money/electronic money transfer (including but not limited to any transfer made via person to person (P2P) payment services or mobile device/app/electronic funds transfer platform), unposted/cancelled/refunded/falsified/unauthorized transactions, any transfer/top up transaction from eligible cards to any account designed by the Bank from time to time, including but not limited to Octopus O!ePay, Alipay account and other digital payment account as may be made available by the Bank from time to time.
For the terms and conditions of the Welcome Offer: https://www.sc.com/hk/credit-cards/terms-and-conditions/#table-content-135397-8
Who is it For?
Best card for everyday spending, with no annual fee, foreign exchange fee or cash advance fee, and offers 5% at designated merchants.
Card Categories
Shopping
Min. Annual Income
HK$96,000
Miles/Cashback Rate
5% cashback on designated merchants / 0.56% cashback on foreign currency transactions
Annual Fee
$0
Key Features
- 5% cashback on a wide range of designated merchants upon monthly eligible spending of HK$4,000*
- No annual fee, foreign exchange fee or cash advance fee
- 3-month 0% interest instalment for retail spending HK$2,000 or above
*Monthly eligible spending of HK$4,000-HK$14,999 receives 4.44% extra cashback + 0.56% basic cashback for a total of 5% cashback
*Monthly eligible spending of HK$15,000 or above receives 3.80% extra cashback + 1.20% basic cashback for a total of 5% cashback
*Spending cap per monthly statement cycle for extra cashback is HK$5,000 while spending cap per monthly statement cycle for basic casback is unlimited
Rates & Fees
- Foreign Transaction Fee: 0%
- Minimum Payment: 1% of outstanding principal or HK$220, whichever is higher
- Late Charge: 5% of outstanding balance (subject to a minimum of HK$220 and a maximum of HK$350) or minimum payment due, whichever is lower
- Overlimit Charge: HK$180 per monthly statement
- Retail Purchase APR: 35.70%
- Cash Advance APR: 34.11%
- Cash Advance Fee: HK$0
- Interest Free Period: Up to 56 days