Skip to content
krip HK
My Cards
  • English
    • English
    • 中文
  • Credit Cards
  • Blog
    • Blog Home
    • Card Discussions
    • Deals Discussions
    • krip Insights
    • krip News
    • Tips and Guides
  • Categories
    • Uncategorized @
    • Dining
      • Bar
      • Buffet
      • Burgers
      • Cafés & Desserts
      • Chinese
      • French
      • German
      • Hotel Dining
      • Hotpot
      • Indian
      • Italian
      • Japanese
      • Korean
      • Mexican
      • Online
      • Other Asian
      • Spanish
      • Steakhouses
      • Thai
      • Vietnamese
      • Western
    • Fashion & Accessories
      • Apparel
      • Eyewear & Accessories
      • Handbags
      • Jewellery & Watches
      • Kids
      • Luggages
      • Online
      • Shoes
      • Sports
    • Beauty & Wellness
      • Beauty Salon
      • Beauty Products & Cosmetics
      • Fitness
      • Hair
      • Online
      • Spa & Massage
    • Entertainment & Lifestyle
      • Books & Magazines
      • Cinema
      • Gifts & Flowers
      • Learning
      • Memberships
      • Music, Art & Photos
      • Online
      • Other
      • Outdoors & Events
      • Toys
      • Wedding
    • Home Living
      • Babies
      • Electronics
      • Furniture
      • Groceries & Wine
      • Homeware & Accessories
      • Online
      • Other
      • Pets
    • Travel
      • Airport Lounges
      • Car Services
      • Hotel & Trip Planning
      • Memberships
      • Online
      • Other
      • Tours & Cruises
    • Healthcare
      • Chinese Medicine
      • Eyecare
      • Health Check
      • Online
      • Other
      • Pharmacy & Nutrition
  • My Saves
  • My Cards
    • Add My Credit Cards
card

Standard Chartered Smart Credit Card

Apply Now

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

Categories
Locations
Deal Types

This Credit Card's Deals

 (247 Stores)
22degree eyewear
Up to 10%+ Off

Eyewear & Accessories
Online
1 reward
759 Store
<10%

Groceries & Wine
Homeware & Accessories
1 reward
A Tavola Bar & Grill
Up to 10%+ Off

Western
3 rewards
agnès b. Café LPG
Up to 10%+ Off

Cafés & Desserts
Western
2 rewards
agnès b. FLEURISTE
Up to 10%+ Off

Gifts & Flowers
3 rewards
Agoda.com
Up to 20%+ Off

Online
Hotel & Trip Planning
11 rewards
Ah Yung Kitchen - Nina Hotel Causeway Bay
Up to 30%+ Off

Chinese
5 rewards
Airland Specialty Shop
Up to 20%+ Off

Homeware & Accessories
4 rewards
AIRSIM
Special Offers

Hotel & Trip Planning
Online
8 rewards
Ajisen Ramen
Up to 20%+ Off

Japanese
1 reward
Amazon Prime Video
<10%

Online
Cinema
1 reward
Anya Hindmarch
Up to 10%+ Off

Eyewear & Accessories
Handbags
4 rewards
Arca Society - the Arca
Up to 10%+ Off

Hotel Dining
Western
2 rewards
at.home
<10%

Furniture
4 rewards
AUSupreme
Up to 10%+ Off

Pharmacy & Nutrition
3 rewards
Avanti Pizzeria - Regal Riverside Hotel
Up to 10%+ Off

Hotel Dining
Italian
5 rewards
Avis
Up to 30%+ Off & Special Offers

Memberships
Car Services
3 rewards
Bacco
Up to 20%+ Off

Bar
Indian
1 reward
Bak Kut King
Up to 20%+ Off

Chinese
1 reward
BBC Maestro
Up to 30%+ Off

Learning
Online
1 reward
About Us
For Business
Terms & Conditions
Data Privacy Policy
Follow Us
Copyright 2025 by krip

Download the Apps

Spend smarter everyday with Hong Kong’s first centralized credit card deals platform