Best Standard Chartered Credit Cards in Hong Kong
Compare Standard Chartered Hong Kong credit cards to earn most air miles, cashback and welcome offers, apply through MoneySmart to get extra rewards!
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We found 5 Standard Chartered credit cards for you!
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 30 September 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
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1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$3,388, random color)
・LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599)
・8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200)
・4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600)
・HK$1,800 Apple Store Gift Card/ ParknShop e-Vouchers/ Trip.com Vouchers or
⠀⠀
Choose to redeem the following at a special price with a designated Standard Chartered credit card:
🎁 KooduuSENSA PLAY Dimmable LED lamp and Bluetooth speaker-topped with a handcrafted glass lampshade (Value: HK$2,290), redeem at a discounted price of HK$200 or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490), redeem at a discounted price of HK$200 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,099), redeem at a discounted price of HK$2,900 or
🎁 PHILIPS RO Water Dispenser ADD6921/90 (Value: HK$5,488), redeem at a discounted price of HK$1,700
⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀
2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 30 Sep 2026
【Unlimited Cashback All Year Round — Get Upgraded HK$1,500 Vouchers or Rewards Worth Up to HK$3,999! 🎁】
From now until 30 September 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, will get one of the following gifts:
・[🔥Fresh Drop!] staub Braiser 28cm/3.7L (Value: HK$3,999, random color)
・Medicube Age-R Ultra Tune 40.68 Facial Beauty Device (Value: HK$3,600)
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498)
・AirPods Pro 3 (Value: HK$1,849)
・HK$1,500 Apple Store Gift Card/ ParknShop e-Vouchers / Trip.com e-Vouchers
⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 30 Sep 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 30 September 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
⠀⠀
1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$3,388, random color)
・LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599)
・8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200)
・4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600)
・HK$1,800 Apple Store Gift Card/ ParknShop e-Vouchers/ Trip.com Vouchers or
⠀⠀
Choose to redeem the following at a special price with a designated Standard Chartered credit card:
🎁 KooduuSENSA PLAY Dimmable LED lamp and Bluetooth speaker-topped with a handcrafted glass lampshade (Value: HK$2,290), redeem at a discounted price of HK$200 or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490), redeem at a discounted price of HK$200 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,099), redeem at a discounted price of HK$2,900 or
🎁 PHILIPS RO Water Dispenser ADD6921/90 (Value: HK$5,488), redeem at a discounted price of HK$1,700
⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀
2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 30 Sep 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 30 September 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
⠀⠀
1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$3,388, random color)
・LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599)
・8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200)
・4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600)
・HK$1,800 Apple Store Gift Card/ ParknShop e-Vouchers/ Trip.com Vouchers or
⠀⠀
Choose to redeem the following at a special price with a designated Standard Chartered credit card:
🎁 KooduuSENSA PLAY Dimmable LED lamp and Bluetooth speaker-topped with a handcrafted glass lampshade (Value: HK$2,290), redeem at a discounted price of HK$200 or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490), redeem at a discounted price of HK$200 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,099), redeem at a discounted price of HK$2,900 or
🎁 PHILIPS RO Water Dispenser ADD6921/90 (Value: HK$5,488), redeem at a discounted price of HK$1,700
⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀
2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 30 Sep 2026
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Best Standard Chartered Credit Cards and Promotions in Hong Kong
| Standard Chartered Credit Card | Promotions and Offers | Min. Annual Salary |
|---|---|---|
| Standard Chartered Credit CardStandard Chartered Cathay Mastercard | Promotions and OffersOfficial Asia Miles co-branded credit card that lets you earn miles (directly credited into your account) | Min. Annual SalaryHK$96,000 |
| Standard Chartered Credit CardStandard Chartered Simply Cash Credit Card | Promotions and OffersEarn 1.5% cash back with no minimum spending requirement and no cap | Min. Annual SalaryHK$96,000 |
| Standard Chartered Credit CardStandard Chartered Platinum Credit Card | Promotions and OffersEarn 1 reward point for every HK$1 spent; points never expire | Min. Annual SalaryHK$150,000 |
| Standard Chartered Credit CardStandard Chartered UnionPay Dual Currency Platinum Credit Card | Promotions and OffersDual currency credit card that lets you pay in RMB or HKD with no extra fees | Min. Annual SalaryHK$96,000 |
Standard Chartered Credit Card Promotions
One of the key selling points of Standard Chartered credit cards is the variety of attractive lifestyle promotions for all cardholders. These are offered in multiple categories including dining, shopping, travel, and health. Some year-round highlights are:
Dining Promotions
Standard Chartered credit card holders get discounts at selected hotel buffets, such as Crowne Plaza Hong Kong, InterContinental Hong Kong, JW Marriott Hotel Hong Kong. In addition, you can find deals at popular Hong Kong restaurants and takeaway outlets such as BLT Steak, Bee Cheng Hiang, and Häagen-Dazs.
Shopping Promotions
You can get discounts at selected retail stores in Hong Kong with a Standard Chartered credit card. Swipe your card to get discounts in electronics at FORTRESS and BOSE, and get instant discounts with a minimum spend of HK$500 on your personal care essentials at Watsons.
Travel Promotions
If you’re a frequent flyer, you probably already have the Standard Chartered Asia Miles Credit Card in your arsenal. In addition, you can make use of merchant tie-ups with popular travel website Agoda, Expedia, and Hotels.com to further get discounts and miles with your hotel bookings.
Standard Chartered Cashback & Rewards
All Standard Chartered customers can earn rewards with all eligible credit card spending. Depending on the credit card you choose, you’ll earn either Asia Miles (with the Standard Chartered Asia Miles card), cashback, or 360° Rewards Points. Gifts and rewards can be redeemed via their online platform or via phone (restrictions apply - can only redeem air miles and cash.)
Standard Chartered Cashback
360° Rewards Points
Standard Chartered Credit Card Features & Benefits
Credit cards are so much more than just a payment method these days - we also want them to add value to our lives with unique practical benefits. Here are three of Standard Chartered’s best credit card features to utilize:
Octopus AAVS
Sign up for AAVS (Automatic Add Value Service) to automatically reload your Octopus card balance with your Standard Chartered credit card. Not only do you avoid the hassle of manually topping up your card, but you can also earn cashback or 360° Rewards Points with your Octopus card expenditure.
The Good Life Health Rewards
Dining and lifestyle perks may be a dime a dozen, but how many credit cards offer healthcare privileges like Standard Chartered? Cardholders can get special rates on health screenings, vaccinations, eye care, and even traditional Chinese medicine treatments.
Statement Instalment Plan
For those who need help managing their cash flow, Standard Chartered credit card holders can split their shopping bills into multiple installments. The minimum amount for each installment is HK$1,500, and you can choose the repayment period (6 to 24 months) that works for you.
Standard Chartered Credit Card Fees
As with every other bank, annual fees aren’t the only fees you need to look out for when you get a Standard Chartered credit card. Here are three other common (but often avoidable) credit card fees.
Cash Advance Fee
While you won’t get charged for using your Standard Chartered credit card to make payment at retail merchants, using your card to withdraw cash will incur a fee of 3.5% of the cash advance amount or HK$100, whichever is higher.
Statement Retrieval Fee
Whether you are receiving e-statements or hard copy statements from Standard Chartered, it pays to file them away properly. Should you need to retrieve a past statement for an insurance claim or any other reason, it will cost HK$50 per copy.
Card Replacement Fee
Be careful not to misplace your Standard Chartered credit card, because replacing your card will cost HK$100 (per credit card account).
Standard Chartered Credit Card Hotlines
Frequently Asked Questions
How can I redeem my Standard Chartered rewards points?
- The easiest way to check, manage, and redeem your Standard Chartered rewards points is to log into Standard Chartered’s online banking platform. You can browse the entire catalog and redeem your desired reward instantly via the 360° Rewards Redemption Platform. Air miles and cash rebates can also be redeemed on the phone, via the 24-hour customer service hotline.
How long does it take to get Standard Chartered Credit Card?
- Standard Chartered usually takes about one to two weeks to process a credit card application from start to finish (you receiving the new credit card). To speed up the process, make sure to furnish all supporting documents at the time of application. You can also call their 24-hour credit card hotline to follow up on your credit card application.
How do I waive Standard Chartered annual fee?
- Standard Chartered annual fees vary from credit card to credit card, and annual fee waivers are usually granted on a case-by-case basis. If you get charged an annual fee, call up Standard Chartered’s credit card hotline and find out if it is possible to get it waived. You would often need to meet certain requirements, such as spend a certain amount in a year on the card, in order to do so.
Can I pay my tax bill with Standard Chartered credit card?
- Yes, it is possible to charge your tax bill to Standard Chartered credit card, and then pay your credit card bill. This may seem like an extra step, but Standard Chartered has offered tax payment cash rebates in the past. That said, if there is no explicit promotion for paying taxes, do so at your own risk - tax payments are usually excluded from the list of “eligible” spending for earning miles, points or cashback.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.