5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
Cash back on local spend
MoneySmart Exclusive Offer
MoneySmart Exclusive

【MoneySmart Exclusive : Make your selection of variety of brands  !】From now until 31 July 2024, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get De'Longhi Dedica Style Series Pump-driven Espresso Coffee Machine(EC685) (retail price $2,168) or HK$800 e-Voucher (including Apple Store / 7-11 / HKTVmall / WeChat Pay HK / Deliveroo / Pacific Coffee or Zalora) or HK$800 PARKnSHOP supermarket voucher.

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 Jul 2024 - 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- 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.

    • 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 form 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 submit the redemption form on or before 31 August, 2024 in order to be eligible for exclusive reward. New customers who have successfully applied and obtained card approval, you must log into you MoneySmart account and submit claim form along with any valid card approval materials issued by Standard Chartered Bank for further verification.

  2. July 2024 Exclusive Credit Card Referral Bonus is subject to terms and conditions, please click here for details.

    An eligible referrer will receive SmartPoints 4 months after the Promotion Period ends. Customers can use SmartPoints to redeem any product from the Rewards Store. SmartPoints will be credited into your SmartPoints Wallet with a validity period of one year. T&Cs apply.

Claim Form

All Details

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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.