Massive 5% Rebate
8%
Cash back on spending at designated stores of AEON
5%
Cash back on local spend
HK$500
MoneySmart Exclusive Offer
MoneySmart Exclusive

Limited Time Offer! Apply for SC Smart Card now via MoneySmart to get HK$500 supermarket vouchers or HK$500 Japanese Grocery Store cash vouchers! Total up to HK$3,000 rewards including SCB welcome offer. You can also enjoy 8% CashBack at AEON!

Valid until 29 Jun 2022 - 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 must complete "My Financial Profile" and submit the redemption form on or before 30 September, 2022

T&Cs
FAQ
Claim Form

All Details

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Standard Chartered Smart Card Key Features

Features Standard Chartered Smart Card Details
Key Highlights
  • Up to 15% rewards at Expedia Hong Kong or 5% CashBack on staycation spend with no minimum spending
  • 5% CashBack at selected merchants, including 759 Store, Circle K, foodpanda, Klook, McDonald’s, PARKnSHOP, fusion, TASTE, Sa Sa, Watsons and ZALORA
  • No annual fee
  • No foreign exchange fees
  • No cash advance fees
  • Split your bills with unlimited 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 Pros and Cons

Pros

From 1st January to 30th April 2022, with the Standard Chartered Smart Card, cardholders can enjoy up to 15% rewards at Expedia Hong Kong or 5% CashBack on Staycation with no minimum spending. Moreover, cardholders can enjoy 5% CashBack at designated merchants including 759 Store, Circle K Convenience Store, foodpanda, Klook, McDonald’s and McDonald’s App, PARKnSHOP and its designated retail stores, Sa Sa Retail Store and eShop, Watsons and ZALORA, with no minimum spending requirement. Also, you can enjoy a 3 month interest-free instalment, which can take a bit of pressure off your shoulders when in need. Another perks is that it doesn't charge annual fees, foreign exchange fees or cash advance fees, making it an attractive credit card for everyday spending.

Cons

The massive 5% rebate only applies to selected merchants. For local spending at other merchants, the rebate is only 0.56%, which is pretty low compared to other cash back cards.

Standard Chartered Smart Card Welcome Offers

ItemsStandard Chartered Smart Card Welcome Offers
Welcome OffersUp to HK$2,000 CashBack
🎁 MoneySmart exclusive giftHK$1,000 Shangri-La Group Cash Voucher OR Harman Kardon Citation One MKII Wireless Speaker (Retail Price $2,290) OR HK$1,000 Supermarket Voucher (valid until 17 Jan 2022, apply now!)
Eligibility
  • Earn HK$1,000 CashBack for spending HK$4,000 within the first 2 months from the date of card issuance
  • Earn a further HK$1,000 upon spending HK$40,000 within the first 4 months from the date of card issuance
Promotion PeriodFrom now until 31st March 2022

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% for all eligible local transactions and 2% on overseas spend whereas Smart Card only offers 0.56% for local spends.

However, if you are a frequent grocery shopper and/or enjoy staycation, you may find Smart Card a lot more attractive as it offers an attractive 15% rewards at Expedia Hong Kong or 5% CashBack on Staycation spend with no minimum spending. Moreover, cardholders can enjoy 5% CashBack at designated merchants including 759 Store, Circle K, foodpanda, Klook, McDonald’s, PARKnSHOP and its designated retail stores, Sa Sa, Watsons and ZALORA, 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, DON DON DONKI, 759 STORE 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% on mobile payment transactions in local dining, fashion and entertainment and all online and overseas transactions, which is more suitable for people who always dine out, shop online and travel.