5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
Cash back on local spend
Up to HK$1,599
MoneySmart Exclusive Offer
MoneySmart Exclusive

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,200 Apple Gift Card or HK$1,200 Supermarket or Shokz S810 Bone Conduction Open-ear sport headphones (Colour randomly distributed) (Retail price: HK$1,599). Total up to HK$2,799 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall ! Limited-time - Earn 8% CashBack at Deliveroo! Spend Smart for your trip, waive any foreign exchange fee for foreign currency transaction!

[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 15 Jun 2023 - See more details below

Are you eligible?

    • You need to apply through MoneySmart and credit card is approved. There are no spending requirements

    • Must be a new-to-bank cardholder.

    • Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)

    • After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page.

    • The exclusive reward will be fulfilled by MoneySmart, please check with MoneySmart directly

What you need to know

  1. Customers complete "My Financial Profile" and must submit the redemption form on or before 15 August, 2023

  2. New customers who have successfully applied and obtained card approval, you may first fill in claim form and also go to the following website to upload the SMS of approved credit card from Standard Chartered Bank for further verification. https://forms.gle/q2eLCaRwL5tZpueu5

  3. [Referral Program]
    i) Both referrer and referee should complete above requirements, fill in the card application and claim form on designated date
    ii) Referee must fill in the referrer’s MoneySmart registered email for approval
    iii) Terms and conditions applied

Claim Form

All Details

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Standard Chartered Smart Card Key Features

Features Standard Chartered Smart Card Details
Key Highlights
  • Earn 8% CashBack at Klook with your Smart Card. No registration and minimum spending required (valid till Mar 31, 2023)
  • 5% CashBack at selected merchants, including 759 Store, Circle K Convenience Store, HKTVmall, Watsons, PARKnSHOP
  • No annual fee
  • No foreign exchange fees
  • No cash advance fees
  • Split your bills with 3-month interest-free instalments
Min. Annual Salary HK$96,000
Annual Fee Perpetual Annual Fee Waiver
Cash Rebate Rate 5%

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Standard Chartered Smart Card Monthly Instalment Key Features

With Standard Chartered Smart Card, you can enjoy spending and splitting your credit card bills with a 3-month interest-free instalment. For spending amounts that are ineligible to earn CashBack, the Bank will deduct HK$1 cashback for every HK$180 instalment amount applied.

Can students apply for Standard Chartered Smart Card?

No, as Standard Chartered Smart Card has a minimum annual salary requirement of HK$96,000.

SCB Smart Card vs SCB Simply Cash Card

Both Standard Chartered Smart Card and Standard Chartered Simply Cash Card have a low annual salary requirement of HK$96,000. In terms of CashBack, Simply Cash Card is more attractive, offering 1.5% CashBack on spending in local currency and 2% CashBack on spending in foreign currency, whereas Smart Card only offers 0.56% CashBack on foreign currency retail transaction.

However, if you enjoy travelling or staycation, you may find Smart Card a lot more attractive as it offers an attractive 8% CashBack at Klook (till Mar 31, 2023) with no minimum spending. Cardholders can also enjoy 5% CashBack at designated merchants including 759 Store, Circle K, McDonald’s, PARKnSHOP and its designated retail stores, Sa Sa, Watsons, Japan Home Centre, etc with no minimum spending requirement.

SCB Smart Card vs WeWa UnionPay Card

For Standard Chartered Smart Card, the massive 5% cashback only applies to designated supermarket and convenience stores, which may be less attractive to students. The minimum salary requirement is also a hurdle for students to apply. If you are a student, you can consider applying for WeWa UnionPay Card, which offers an attractive cash rebate of up to 4% for spending in specific categories like “Travel”, “Cinema”, “Karaoke” and “Theme Park” with no annual income requirement.

SCB Smart Card vs Hang Seng MPower Card

Both Standard Chartered Smart Card and Hang Seng MPower Card offer 5% cashback on various spending categories. With SCB Smart Card, you can enjoy 5% cashback at designated supermarkets/convenience stores such as PARKnSHOP, 759 STORE, Watsons and Circle K with no minimum spending requirement. SCB Smart Card is more suitable for people who frequently do grocery shopping.

With Hang Seng MPower Card, you can enjoy 5% Cash Dollars on designated mobile payment transactions in local dining, fashion and entertainment, online shopping and overseas transactions, which is more suitable for people who always dine out, shop online and travel.