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Best Standard Chartered Credit Cards in Hong Kong

We found 5 Standard Chartered credit cards for you!

Up to 5% rebate｜Waive foreign exchange fee
Standard Chartered Smart Card image
Standard Chartered Smart Card
HK$0
Foreign currency transaction fee
5%
Cash back at Designated Merchants
Up to HK$3,600
MoneySmart Exclusive Offer
MoneySmart Exclusive

【🌟June Exclusive: Apply to Earn HK$800 Cash Vouchers】
From now until 30 June 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・Plus Minus Zero XQH-X020 Air Purifier (Value: HK$2,398)
・Medicube Age-R Duo Beauty Set (Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml) (Value: HK$1,970)
・PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers

Valid till 30 Jun 2026

APPLY NOW for Standard Chartered Smart Card
on Standard Chartered's secure site
Standard Chartered Cathay Mastercard image
Standard Chartered Cathay Mastercard
Up to HK$2=1 mile
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$4 = 1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
40,000 miles
Bank Limited Time Welcome Offer
MoneySmart Exclusive

【 ✈️ Beyond Miles: Get HK$900 Cash or a Top Brand Suitcase - No spending required!】
From now until 30 June 2026, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 pcs Whitening Pen (Value: HK$3,980)
・Medicube Age-R Beauty Set (Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml) (Value: HK$1,970)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・HK$900 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
⠀

Valid till 15 Jul 2026

APPLY NOW for Standard Chartered Cathay Mastercard
on Standard Chartered's secure site
Unlimited cashback
Standard Chartered Simply Cash Visa Card image
Standard Chartered Simply Cash Visa Card
HK$96,000
Min. Annual Salary
1.5%
Cash back on local Currency
2%
Cash back on foreign Currency
MoneySmart Exclusive

【Unlimited CashBack all year-round - Get welcome offer of up to HK$2,398 Rewards!🎁】
From now until 30 June 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, will get one of the following gifts:
・Plus Minus Zero XQH-X020 Air Purifier (Value: HK$2,398)
・Medicube Age-R Duo Beauty Set (Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml) (Value: HK$1,970)
・PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers

Valid till 30 Jun 2026

APPLY NOW for Standard Chartered Simply Cash Visa Card
on Standard Chartered's secure site
Standard Chartered Cathay Mastercard - Priority Private image
Standard Chartered Cathay Mastercard - Priority Private
HK$2=1 mile
Miles Conversion(Eligible spending on overseas category)
HK$4 = 1 mile
Miles Conversion (Eligible spending on dining and hotels category)
120,000 miles
Bank Limited Time Welcome Offer
MoneySmart Exclusive

【 ✈️ Beyond Miles: Get HK$900 Cash or a Top Brand Suitcase - No spending required!】
From now until 30 June 2026, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 pcs Whitening Pen (Value: HK$3,980)
・Medicube Age-R Beauty Set (Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml) (Value: HK$1,970)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・HK$900 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
⠀

Valid till 15 Jul 2026

APPLY NOW for Standard Chartered Cathay Mastercard - Priority Private
on Standard Chartered's secure site
Standard Chartered Cathay Mastercard - Priority Banking image
Standard Chartered Cathay Mastercard - Priority Banking
HK$3=1 mile
Miles Conversion(Eligible spending on overseas category)
HK$4 = 1 mile
Miles Conversion (Eligible spending on dining and hotels category)
100,000 miles
Bank Limited Time Welcome Offer
MoneySmart Exclusive

【 ✈️ Beyond Miles: Get HK$900 Cash or a Top Brand Suitcase - No spending required!】
From now until 30 June 2026, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 pcs Whitening Pen (Value: HK$3,980)
・Medicube Age-R Beauty Set (Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml) (Value: HK$1,970)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・HK$900 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
⠀

Valid till 15 Jul 2026

APPLY NOW for Standard Chartered Cathay Mastercard - Priority Banking
on Standard Chartered's secure site

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Standard Chartered Credit Cards and Promotions in Hong Kong

Standard Chartered Credit CardPromotions and OffersMin. Annual Salary
Standard Chartered Credit CardStandard Chartered Cathay MastercardPromotions 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 CardPromotions and OffersEarn 1.5% cash back with no minimum spending requirement and no capMin. Annual SalaryHK$96,000
Standard Chartered Credit CardStandard Chartered Platinum Credit CardPromotions and OffersEarn 1 reward point for every HK$1 spent; points never expireMin. Annual SalaryHK$150,000
Standard Chartered Credit CardStandard Chartered UnionPay Dual Currency Platinum Credit CardPromotions and OffersDual currency credit card that lets you pay in RMB or HKD with no extra feesMin. 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

With the Standard Chartered Simply Cash Credit Card, you can earn cash rebates directly whenever you spend on the card. With other cards, you can also get cashback with your 360° Rewards Points - just redeem them via SCB’s rewards platform. If you have multiple Standard Chartered credit cards, it’s possible to consolidate and combine your cashback. The minimum threshold for cashback redemption is HK$50 per account.

360° Rewards Points

It’s often more worthwhile to redeem shopping vouchers (instead of cashback) with your Standard Chartered rewards points. You can exchange points for gift cards at merchants like PARKnSHOP and IKEA which is great for families. Other shopping categories include electronics, lifestyle, and travel. Can’t find anything in the catalog that you want? For a meaningful way to use up your rewards points, Standard Chartered actually lets you convert them into charity donations.
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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:

#1

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.

#2

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.

#3

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

Standard Chartered has a number of enquiry hotlines. For credit card holders, the most important one to save to your address book is the one for lost or stolen credit cards: (852) 2282 1533. For general enquiries such as following up on your credit card application, you can call the Standard Chartered Credit Card 24-Hour Customer Service Hotline at (852) 2886-4111. Alternatively, try the Standard Chartered Banking Service Hotline at (852) 2886-8888 for other banking-related enquiries, including ATM cards. If your enquiry is not urgent, you can also chat with Standard Chartered’s chatbot Stacy at the bottom right corner of your SC Mobile banking app. She “speaks” both English and Chinese.

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.