Standard Chartered Credit Card 2025 Cashback and Welcome Offers Overview

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Standard Chartered Credit Card launches a series of attractive welcome offers and cashback policies in 2025, designed to meet your diverse needs. You can choose from various welcome gifts, including Dyson Zone™ noise-canceling headphones worth USD 765, a Delsey 30-inch travel suitcase worth USD 637, or a Marshall Acton III Bluetooth speaker worth USD 319. Additionally, there are USD 115 Apple Store gift cards, Wellcome shopping vouchers, and HKTVmall e-shopping vouchers for you to choose from.

In terms of cashback, Standard Chartered Credit Card offers 5% cashback on local spending and 0.55% on local online purchases and overseas spending. The permanent annual fee waiver policy ensures you don’t have to worry about additional costs. Hong Kong SCCom’s credit card products bring greater convenience and returns for travel, online shopping, or daily spending.

Key Points

• Standard Chartered Credit Card offers multiple welcome gifts, including Dyson headphones and Apple Store gift cards, allowing new customers to enjoy generous rewards.
• New customers applying in June 2025 can receive up to HK$1,300 in cashback, including additional welcome cashback and first-month spending cashback.
• The credit card’s cashback policy is flexible, offering 5% cashback on local spending and 0.55% on online and overseas spending.
• Standard Chartered Credit Card supports various electronic payment methods, offering additional cashback when using e-wallets, enhancing spending returns.
• Applying for a credit card is straightforward, requiring applicants to be at least 18 years old with a stable income. It’s recommended to prepare the necessary documents in advance to increase approval chances.

Welcome Offer Details

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Cashback

Standard Chartered Credit Card offers generous cashback benefits for new customers in 2025. Simply apply between June 1 and June 30, 2025, to receive an additional HK$500 welcome cashback. Furthermore, if you accumulate HK$3,500 in spending within the first month, you can receive an additional HK$800 basic welcome cashback. In total, you can enjoy up to HK$1,300 in cashback, allowing you to effortlessly benefit from extra spending returns.

Below are the detailed conditions and rewards for the welcome cashback:

These offers not only attract new customers but also provide more tangible returns in daily spending.

Miles Rewards

If you’re a travel enthusiast, Standard Chartered Credit Card’s miles reward program is your ideal choice. Every transaction earns miles, allowing you to redeem free flight tickets or upgrade seats faster. For example, with Hong Kong SCCom’s credit card, when you spend HK$4,000 or HK$15,000 at designated merchants, you can enjoy up to 5% cashback, which can be converted into airline miles, helping you achieve your travel dreams faster.

Market data shows a steady increase in credit card usage and transaction volumes. Below is the relevant data:

This data reflects the importance of credit cards in travel and daily spending. Choosing Standard Chartered Credit Card makes every transaction more valuable.

Special Privileges

Standard Chartered also offers several special privileges for new customers to meet various needs. For instance, the USD high-interest fixed deposit program offers up to 5.3% interest rate for a 3-month term; for a 12-month term, the interest rate is 4.2%. Additionally, the TWD high-interest savings account program offers up to 2% interest with no deposit cap. These benefits allow you to enjoy both the convenience of a credit card and additional financial returns.

Below are the details of the special privileges:

These exclusive offers not only enhance your financial flexibility but also provide more options for wealth management.

Application Conditions and Deadlines

Applying for a Standard Chartered Credit Card is relatively simple, allowing more people to enjoy its benefits. You need to be at least 18 years old and have a stable income source. When applying, you must provide identification documents, proof of address, and income proof for the past three months. These documents help the bank assess your credit status, ensuring a smooth application process.

Regarding application deadlines, Standard Chartered Credit Card’s welcome offers typically have specific application periods. For example, the 2025 welcome offer application period is from June 1 to June 30. You need to submit your application during this period and meet the designated spending requirements in the first month after approval to receive the rewards.

Tip: To increase your approval chances, ensure all documents are complete before submission and verify that your income proof meets the bank’s requirements. According to 2021 Financial Supervisory Commission statistics, 67% of consumers opt for agency loans due to inability to meet bank loan conditions, while 25% do so for quick access to funds. Therefore, preparing complete application documents is crucial for successful approval.

Additionally, Standard Chartered offers various credit card options to meet different spending needs. Whether for travel, online shopping, or daily spending, you can find a suitable card type. For example, Hong Kong SCCom’s credit card offers flexible application conditions and diverse benefits, providing convenience and greater returns.

Cashback Policy

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Cashback Rates and Applicable Categories

Standard Chartered Credit Card’s cashback policy is flexibly designed to suit various spending needs. You can enjoy multiple cashback rates, earning different returns based on spending categories. For example, when using the credit card for local spending, you can receive 5% cashback. For local online purchases or overseas spending, the cashback rate is 0.55%. These cashback rates apply to various spending categories, including dining, shopping, travel, and entertainment.

Additionally, some credit cards offer exclusive benefits at specific merchants. For instance, Hong Kong SCCom’s credit card may provide additional cashback or discounts when spending at partner merchants. These benefits help you save more in daily life while enjoying higher spending returns.

Tip: Choosing a credit card that matches your spending habits can maximize cashback benefits. For example, if you frequently shop online, select a card with high online shopping cashback.

Monthly Cashback Cap

Although Standard Chartered Credit Card’s cashback rates are attractive, there is a monthly cap on cashback amounts. For local spending, the maximum monthly cashback is USD 50. For online and overseas spending, the cashback cap is USD 20. These limits ensure the cashback policy is fair and encourages rational spending.

You should note the cashback caps for different card types, as some premium cards may offer higher caps. For example, Hong Kong SCCom’s premium credit card may have a monthly cashback cap of up to USD 100, suitable for high spenders.

Note: If your spending approaches the cashback cap, consider spreading some transactions to other credit cards to ensure every transaction earns rewards.

Example Analysis

Assume you use a Standard Chartered Credit Card for the following transactions:

1. Local dining: USD 500
2. Online electronics purchase: USD 300
3. Overseas travel tickets: USD 1,000

Based on the cashback rates, you would receive the following returns:

In this example, your total cashback amount is USD 32.15, which does not exceed the monthly cashback cap. Therefore, every transaction earns full rewards.

Suggestion: Regularly check your credit card’s cashback records to ensure your spending meets the cashback conditions and avoids exceeding the cap.

Standard Chartered Credit Card Comparison

Annual Fees and Minimum Income Requirements

Standard Chartered Credit Card’s annual fee policy is flexible, allowing you to choose a suitable card based on your needs. Some cards offer a permanent annual fee waiver, such as the Cashback Signature Card, ideal for users seeking simple cashback. Other premium cards may require an annual fee but typically come with more exclusive exclusivity.

Regarding minimum income requirements, Standard Chartered Credit Card’s thresholds are relatively accessible. For example, the Cashback Signature Card requires a minimum annual income of USD 15,000, while premium cards like the Priority Banking Exclusive Card require USD 60,000. These conditions allow users with different income levels to find suitable options.

Tip: If you want to avoid annual fees, choose a card with a permanent fee waiver or look out for the bank’s fee exemption offers.

Cashback Rates and Exclusive Benefits

Standard Chartered Credit Card’s cashback rates are diverse, meeting various spending needs. Below are the cashback rates for some card types:

The Cashback Signature Card is suitable for daily spending, offering a stable 1% cashback. The Priority Banking Exclusive Card targets high spenders, providing a higher 2% cashback rate. Additionally, the LINE Bank Co-branded Card offers extra benefits at designated merchants.

Suggestion: If you frequently shop at specific merchants, choose a card with more exclusive benefits to maximize returns.

Card Types for Different Spending Needs

Standard Chartered offers a wide variety of credit cards to meet different spending needs:

• Travel Enthusiasts: Choose cards with high miles cashback, such as the Priority Banking Exclusive Card, to accumulate miles faster for flight ticket redemption.
• Online Shopping Experts: The LINE Bank Co-branded Card is suitable for frequent online shoppers, offering additional merchant benefits.
• Daily Consumers: The Cashback Signature Card is an ideal choice, with a 1% cashback rate applicable to various spending categories.

Reminder: Before applying for a credit card, analyze your spending habits to choose the card type that best suits your needs for optimal returns.

Applicable Scenarios

Travel Spending

Standard Chartered Credit Card is an ideal choice for travel enthusiasts. You can leverage the card’s high miles cashback program to quickly accumulate airline miles for redeeming free flight tickets or upgrading seats. For example, when using the Priority Banking Exclusive Card to pay for flight tickets or hotel expenses, you can enjoy up to a 2% cashback rate, making every trip more valuable.

Additionally, Standard Chartered Credit Card offers travel insurance and airport lounge access as extra perks. These services ensure greater peace of mind and comfort during your travels. For instance, using a designated credit card grants free access to over 1,000 airport lounges worldwide, providing an exclusive relaxation space.

Tip: Before departure, check if your credit card has enabled overseas spending and review the terms for foreign currency transaction fees.

Online Shopping and Electronic Payments

If you frequently shop online or use electronic payments, Standard Chartered Credit Card’s cashback policy can help you save more. For example, using the LINE Bank Co-branded Card on designated online shopping platforms offers additional benefits, providing greater returns on your purchases.

For electronic payments, Standard Chartered Credit Card supports multiple e-wallets, including Apple Pay, Google Pay, and PayMe. These payment methods are not only convenient and fast but also offer additional cashback. For instance, using a credit card linked to an e-wallet for spending earns 0.55% cashback.

Suggestion: Choose a credit card with high online shopping cashback and regularly check for bank-promoted online shopping offers.

Daily Spending

Standard Chartered Credit Card performs exceptionally well in daily spending. Whether for dining, grocery shopping, or fuel, you can enjoy stable cashback. For example, the Cashback Signature Card offers a 1% cashback rate applicable to various daily spending categories.

Some credit cards also partner with local merchants to offer exclusive discounts. For instance, dining at designated restaurants can provide up to 10% off, allowing you to save more while enjoying meals.

Note: Regularly check your credit card’s cashback records to ensure every transaction meets the cashback conditions.

Standard Chartered Credit Card offers diverse benefits and flexible cashback policies, meeting your needs for travel, online shopping, or daily spending. You can choose the most suitable card type based on your spending habits, such as a high-miles travel card or a cashback-focused daily spending card.

Tip: Welcome offer application periods are limited, such as the 2025 offer valid only from June 1 to June 30. Prepare the required documents in advance to ensure application completion within the deadline to enjoy generous rewards.

Choose Standard Chartered Credit Card to make every transaction more valuable!

FAQ

Are Standard Chartered Credit Card’s welcome offers available to all new customers?

Welcome offers are only available to customers applying for a Standard Chartered Credit Card for the first time. If you have previously held a Standard Chartered Credit Card, you may not be eligible for welcome offers. It’s recommended to contact the bank to confirm eligibility before applying.

How is cashback calculated?

Cashback is calculated based on your spending amount and the cashback rate. For example, local spending has a 5% cashback rate. If you spend USD 200, the cashback amount is USD 10. Monthly cashback amounts have a cap, so please review the relevant terms.

Does Standard Chartered Credit Card support e-wallets?

Yes, Standard Chartered Credit Card supports multiple e-wallets, including Apple Pay, Google Pay, and PayMe. You can link your credit card to an e-wallet for a more convenient payment experience and additional cashback.

If I don’t meet the welcome offer spending requirements, can I still receive partial rewards?

If you don’t meet the welcome offer spending requirements, you will not receive the related rewards. It’s recommended to plan your spending in the first month after approval to ensure you meet the designated amount to enjoy the welcome offers.

What is Standard Chartered Credit Card’s annual fee policy?

Some Standard Chartered Credit Cards offer a permanent annual fee waiver, such as the Cashback Signature Card. Other premium cards may require an annual fee but typically come with more exclusive benefits. You can choose a suitable card based on your needs.

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