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Standard Chartered Smart Card
Standard Chartered · Hong Kong
4.1
RatingKey Information
Annual FeeHK$600 (waivable)
CurrencyHKD
DifficultyMedium
Local ID RequiredYes
Credit HistoryRequired
NetworkMastercard
Benefits & Rewards
- 5% cashback on online/contactless (capped)
- 0.55% unlimited cashback on other spending
- Free supplementary cards
- Auto-installment plans
- Mobile wallet compatible
Pros
- + 5% cashback on contactless/online is generous
- + Easy to waive annual fee with spend
- + Good for everyday HK spending
- + Wide Mastercard acceptance
Cons
- - 5% cashback has monthly cap
- - Base 0.55% rate is low
- - Annual fee if not waived
- - Income requirement excludes some
Application Requirements
- HK resident (18+)
- HKID
- Annual income HK$96,000+
- Credit history preferred
Required Documents
HKIDIncome proofAddress proof
Fees
Annual FeeHK$600 (often waived)
Foreign Transaction Fee~1%
Cash Advance2.5%
Frequently Asked Questions
Is the annual fee really waivable?
Yes, Standard Chartered routinely waives the fee if you call and request, or meet minimum annual spend.
HK$600 (waivable)
Annual Fee
Recommended for
Hong Kong residentsOnline shoppersCommuters
Tags
#hong-kong#cashback#online-shopping#contactless
Last verified2026-05-14
SourceOfficial site
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Details Disclaimer: This page provides publicly available information only and does not constitute financial advice, credit advice, or application guarantees. Actual application conditions, fees, benefits, and approval results are subject to the official page of the issuing institution.
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