Standard Chartered Smart Card

Standard Chartered Smart Card (渣打 Smart 卡), issued by Standard Chartered Hong Kong, delivers up to 5% cash/points rebate alongside a HK$800–HK$1,200 cash rebate upon HK$4,000 spend in first month welcome package (valid through 2026-12-31). Key Metrics: Issuer: Standard Chartered Hong Kong · Local Miles Rate: Cashback-focused · Overseas Miles Rate: Cashback-focused · Headline Cashback: Up to 5% · Monthly Spend Cap: HK$5,555/mo · Welcome Offer: HK$800–HK$1,200 cash rebate upon HK$4,000 spend in first month · Annual Fee & Waiver: HK$0 (Perpetual HK$0 annual fee for life) · FX Fee: 0%. Eligibility: Minimum annual income HK$96,000; HK$4,000 qualifying spend required; new-to-cardholder cooling-off rule: 6 months..