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Standard Chartered Smart Credit Card

Data last updated 27 October 2026
33.36%
Purchase rate
HK$0
Annual fee
56 days
Interest-free

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Standard Chartered Smart Credit Card card
Application

CardIQ

68Good

Good

Overall score, out of 100 · How this works

  • Cashback99
  • No annual fee82
  • Rewards25
  • Travel64

Customer reviews

No reviews yet. Be the first to review the Standard Chartered Smart Credit Card.

Pros & cons

What's good

  • No annual fee.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • Annual fee permanently waived for both principal and supplementary cards. No tax mentioned.
  • 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.
  • Requires a minimum income of HK$96,000 a year.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
HK$0 p.a.
Card tier
Not published
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

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
Cash advance fee
—
Foreign transaction fee
0%
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

Cashback

Ongoing cashback
5% on eligible spend

Up to 5% total CashBack. Requires minimum HKD4,000 monthly eligible spending. Extra CashBack (4.44%) applies to designated merchants up to HKD5,000 spending cap per statement cycle; Basic CashBack (0.56%) is unlimited. At HKD15,000+ spend: 3.80% extra + 1.2% basic = 5%. No CashBack if monthly eligible spending is below HKD4,000.

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.

Annual feeHK$0Tied for best (1st of 40 cards)
Overseas feeNo feeBest in market (1st of 40 cards)
Interest-free days56 daysBetter than most (12th 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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Questions and answers

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Sources

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