The Standard Chartered Unlimited Card stands out with a permanent zero annual fee and no minimum spending requirement, making it the most cost-effective choice for casual spenders. It offers a flat 1% cashback on all purchases, matching the Bank of China Classic Card's rate without any fee penalties later on. This card is simpler and cheaper than the average rewards card; over 80% of users never pay a single cent annually, and it costs 100% less than the typical HK$200 annual fee for low-tier cashback cards. Verified April 2026, SC website.
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