Smart Credit Card
Standard Chartered

Smart Credit Card Calculator

Best for: Regular shoppers at designated merchants (PARKnSHOP, McDonald's, Circle K) who consistently spend HK$4,000+ monthly

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Designated Merchants 5% cashback (capped at HKD 5,000/month)
HKD
5.0% HKD 0
HKD 0 / 250
Other Spending 0.56% or 1.2% based on total monthly spend
HKD
0.56% HKD 0
Calculator based on official terms Rates may change. Always verify with your bank before applying.
View Official Terms

The Standard Chartered Smart Credit Card offers 5% cashback at designated merchants (PARKnSHOP, McDonald's, Circle K, etc.) capped at HK$5,000 spending per month. Base rate varies from 0.56% to 1.2% depending on total monthly spend. Requires HK$4,000 minimum monthly spend to qualify for any cashback rewards.

Advantages

  • 5% cashback at designated merchants
  • Good merchant partner network
  • Base rate increases with higher spending
  • No annual fee
  • Popular everyday merchants included

Considerations

  • Requires HK$4,000 minimum monthly spend
  • HK$5,000/month cap on 5% merchant spending
  • Low base rate (0.56-1.2%)
  • Zero rewards if minimum not met
  • Limited to specific merchant partners
Annual Fee: Waived (1st year) Min. Income: HK$96000/year