HK 中文
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 verified: 17 Dec 2025 Rates may change over time, and bank may not have same interpretation as us. Always verify with 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