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Standard Chartered Cathay Mastercard

Data last updated 27 October 2026
33.36%
Purchase rate
HK$0
Annual fee
40,000
Bonus points

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Standard Chartered Cathay Mastercard card
Application

CardIQ

43Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge37
  • No annual fee41
  • Rewards39
  • Sign-up bonus57
  • Travel42

Customer reviews

No reviews yet. Be the first to review the Standard Chartered Cathay Mastercard.

Pros & cons

What's good

  • 40,000 bonus miles to start, worth around HK$3,600 at our 9c-per-mile valuation.
  • No annual fee.
  • Complimentary airport lounge access (4 visits a year).
  • Earns 1 Asia Mile per HK$2 on bonus categories and 1 Asia Mile per HK$4 on overseas spend.
  • No fee to add an additional cardholder.

Worth noting

  • The annual fee increases from HK$0 to HK$2,000 in the second year.
  • The 33.361% p.a. purchase rate sits in the most expensive quarter of cards (the median is 32% p.a.) if you carry a balance.
  • Earns 1 Asia Mile per HK$6 on everyday spend, below the dataset average.
  • Requires a minimum income of HK$96,000 a year.

Card details

The basics

Additional cardholder fee
HK$0 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Asia Miles

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
HK$96,000 p.a.
Residency
Hong Kong resident
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
30.92% p.a.
Purchases
33.36% p.a.

Fees

Additional cardholder fee
HK$0
Annual fee
No annual fee
Annual fee (year 2+)
HK$2,000 p.a.
Cash advance fee
3.5% of the amount
Foreign transaction fee
1.95%
Late payment fee
HK$350
Over limit fee
HK$180

Repayments

Interest-free period
Up to 56 days on purchases
Minimum repayment
All 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 HK$220, whichever is higher.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 Asia Mile per HK$6
Bonus categories
1 Asia Mile per HK$2 in bonus categories
Other purchases
None
Overseas spend
1 Asia Mile per HK$4 on overseas spend
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
Tier 1: Accumulated Eligible Transactions of HKD5,000 = 10,000 Miles; Tier 2: HKD40,000 = 20,000 Miles; Tier 3: HKD110,000 = 40,000 Miles within the first 2 months upon card issuance
Sign-up bonus
40,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Sign-up bonusHK$3,600Best in market (1st of 11 cards)
Rewards valueHK$540 a yearTop 10% (2nd of 18 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Interest-free days56 daysBetter than most (12th of 40 cards)
Annual feeHK$2,000 a yearNot as good as most cards (30th of 40 cards)
Purchase rate33.36%Among the weakest we track (35th of 40 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Credit card statistics for Hong KongHow CardIQ scores cards
Issuer
Standard Chartered