Best Standard Chartered Cash Back Credit Cards Hong Kong

Updated September 2019

Earn cash rebate on dining, hotel bookings or online shopping spend by using Standard Chartered cash back credit cards. Compare and choose from a wide range of flat rate, tier based or special bonus category cash back credit cards in Hong Kong.

Popular Standard Chartered Cash Back Credit Card

Standard Chartered Platinum Credit Card

HK$150,000

Min. Annual Salary

0.4%

Cash back on overseas spend

0.4%

Cash back on local spend

  • New Cardholders welcome offer HK$700 cash rebate

Cash Back Features

To borrow or not to borrow? Borrow only if you can repay.

Annual Interest Rate and Fees

Annual Interest Rate33.41%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentAll interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher
Interest Free PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationMastercard / Visa
Wireless PaymentN/A
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Best Standard Chartered Cashback Credit Card in Hong Kong 2019

Credit CardMinimum SalaryBest For
Standard Chartered Simply Cash Visa CardHK$240,000Cashback seekers
Standard Chartered Platinum Credit CardHK$150,000Cardholders looking for flexibility to convert rewards into cash, air miles, or shopping voucher

How does Standard Chartered cash back program work?

Standard Chartered Cashback credit card offers cash rebate for everyday local and overseas purchases for gift/cash redemption. Standard Chartered Simply Cash Visa card Cardholders can earn unlimited CashBack for local (1.5% rebate) and foreign eligible retail transactions (2% rebate), which include online transactions and Octopus Automatic Add-Value transactions, but top up to digital payment account is excluded.

What are the Benefits of a Standard Chartered Cashback Credit Card?

With Standard Chartered Simply Cash Visa Card, you can enjoy an array of year-round offers, the convenience of Visa PayWave and access the 360° Rewards online redemption platform to unlock a wide range of rewards.

Year-Round Offers

Standard Chartered offers cardholders year-round discounts covering dining, shopping, travel to lifestyle, etc. to make money go further.

Visa PayWave

With Visa PayWave, cardholders can simply wave the card on the card reader to complete transactions below HK$1000 without the need to sign or enter PIN.

360° Rewards

You can earn points in day-to-day retail transactions to redeem a wide range of rewards such as home appliances, travel and leisure, home decor, dining offers, etc. If you do not have enough points, you enjoy the option to redeem the gifts you want with a combination of points and cash.

Standard Chartered Credit Card Cashback Offers

Standard Chartered Simply Cash Visa card Cardholders can earn unlimited CashBack for local (1.5% rebate) and foreign eligible retail transactions (2% rebate), which include online transactions and Octopus Automatic Add-Value transactions but top up to digital payment account is excluded. Although CashBack earned will not be credited to the Card account automatically, it can be redeemed for cash or gifts transactions on the 360° Rewards Redemption Platform according to cardholders’ preferences.

Standard Chartered Cashback credit card limits

Standard Chartered Simply Cash Visa Card offers 1.5% CashBack on local spend including Octopus Automatic Add-Value transactions and 2% CashBack on foreign currencies spending. It is worthwhile to know that there is no maximum cap or minimum spending requirements for earning cashback, i.e. the more you spend, the more cashback you will enjoy. But not all transactions are qualified transactions. Bill payments and insurance payments are considered as unqualified transactions.

What are the most common Standard Chartered Cash Back Credit Card Fees?

Besides credit card annual fees, cardholders need to be aware of other charges that may be incurred such as a late charge, card replacement fee, returned item fee (e.g. rejected direct debit authorisation), overlimit charge, etc.

Late Fee

If cardholders fail to pay minimum payment, late fee will be charged. The amount will either be 5% of the outstanding balance or the minimum payment due.

Card Replacement Fee

If you request a replacement card, HK$100 will be charged for each credit card account.

Cash Withdrawal Fee

Cash withdrawal costs HK$75 per cheque. This service is provided free of charge if transfer to SCB account.

Frequently Asked Questions

How can I redeem my Standard Chartered credit card cashback?

You can do so either by logging in 360° Rewards Redemption Platform via Standard Chartered Online Banking or calling the Standard Chartered Credit Card 24-Hour Customer Service Hotline at 2886 8868. Please note that you can only redeem air miles and cash but not other rewards such as cash vouchers via phone.

How can I check my Standard Chartered credit card status?

You can call the Standard Chartered Credit Card 24-Hour Customer Service Hotline at 2886 8868 to check your application status. You can also activate your credit card using the same number when your application is approved.

How long does it take to get Standard Chartered Credit Card?

If you submit an online application with all the correct information and supporting documents at the time of application, you can typically receive your credit card in the mail in one to two week(s). You can then activate your credit card and start using it. To check your application status, you can call the Standard Chartered Credit Card 24-Hour Customer Service Hotline at 2886 8868.

Does Standard Chartered Simply Cash Credit Card has any limit on cashback?

No. The cashback you get is unlimited. The more money you spend no matter in local or foreign currency, the more cashback you will get in return.

What are the unqualified transactions for Standard Chartered Simply Cash Credit Card?

Bill payments and insurance payments are considered as unqualified transactions.