中文
Standard Chartered Smart Card
Up to 5% rebate｜Waive foreign exchange fee
Up to 5% rebate｜Waive foreign exchange fee

Standard Chartered Smart Card

HK$0
Foreign currency transaction fee
5%
Cash back at Designated Merchants
Up to HK$2,398
MoneySmart Exclusive Offer

Card Details

Good For

Young professionals seeking significant cashback rewards on popular streaming services and dining choices.
Budget-conscious shoppers at major retailers like PARKnSHOP, Watsons, and McDonald’s for everyday savings.
Travelers who appreciate waived fees on foreign purchases while utilizing global Visa payWave acceptance.

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Standard Chartered Smart Card Key Features

Features Standard Chartered Smart Card Details
Key Highlights
  • 5% CashBack at selected merchants, including 759 Store, Circle K Convenience Store, Watsons, PARKnSHOP
  • No annual fee
  • No foreign exchange fees
  • No cash advance fees
  • Enjoy interest and handling fee waiver for the first HK$40,000 monthly cash out via FPS
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 Extra HK$40,000 cashflow via FPS

With Standard Chartered Smart Card, you can enjoy interest and handling fee waiver for the first HK$40,000 monthly cash out via FPS.

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 transactions.

However, if you always shop at supermarkets, convenience stores or beauty stores, SCB Smart Card might suit you better as . cardholders can 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 6% +FUN Dollars on overseas foreign currencies and 5% +FUN Dollars on online retail spending in local dining, electronics and entertainment which is more suitable for people who always dine out and travel.

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