Smart Credit Card

A Visa credit card from Standard Chartered Bank (Hong Kong) Limited. Its annual fee is HK$0 (Perpetual waiver of the credit card annual fee). Rewards center on CashBack, with headline rules such as 5% · Eligible spending at designated merchants (a total cash rebate of 5% during the promotion period, inclusive of the base rebate; spending cap of HKD5,000 per statement cycle for the designated-merchant extra rebate); 0.56% · Base cash rebate (monthly eligible spending of HKD4,000 to HKD14,999); 1.2% · Base cash rebate (monthly eligible spending of HKD15,000 or above). Applicants need a yearly income of HK$96,000 or above, and the foreign transaction fee is 0%. Current offer: Up to 5% cash rebate at designated merchants (inclusive of the base rebate), running until 2027-01-03.

• Everyday spenders who want cash back directly
• Users who want a no-annual-fee card
• Cardholders who spend abroad and want to keep the foreign transaction fee at 0%
• Applicants earning HK$96,000 or more a year

Source: Standard Chartered Smart Credit Card Last updated: 21 Sep 2026 Data follows the institution's official pages and is not investment or lending advice.