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Standard Chartered Smart Credit Card
Standard Chartered Bank
No annual or foreign-currency transaction fee, with up to 5% cashback at selected everyday merchants under the current tiered programme.
- Annual fee
- Waived
- Minimum income
- HK$96,000
- FX fee
- 0%
- Network
- visa
Last updated: 1 September 2026
Official issuer detailsEligibility
Hong Kong resident aged 18+ with minimum annual income HKD96,000. Under the 1 August 2026–3 January 2027 scheme, monthly eligible spend below HKD4,000 earns no cashback; HKD4,000–14,999 earns 0.56% basic cashback and HKD15,000+ earns 1.2%, with selected-merchant bonuses taking qualifying spend to 5%. No fixed earnRate is modeled because the threshold cannot be represented faithfully. New cardholders applying from 31 July to 20 September 2026 can receive HKD800 CashBack, plus an extra HKD200 for applications from 1 to 20 September, after HKD3,500 accumulated eligible transactions in the first month.
FAQ
What is the annual fee for Standard Chartered Smart Credit Card?
Standard Chartered Smart Credit Card has no annual fee.
What is the minimum income requirement for Standard Chartered Smart Credit Card?
The minimum annual income requirement for Standard Chartered Smart Credit Card is HK$96,000.
What is the foreign currency fee for Standard Chartered Smart Credit Card?
The foreign currency transaction fee for Standard Chartered Smart Credit Card is 0%.