Standard Chartered Credit Cards: Which Best Fits Your Lifestyle?

Standard Chartered offers some of the most competitive credit cards on the market with great benefits like no annual fee for customers with SC bank accounts. If you are looking for competitive cashback on your spend or top miles rebates for your transactions, these Standard Chartered cards might be a good choice for you.

Best Standard Chartered Air Miles Cards
Best Standard Chartered Credit Cards for Cashback
Best High Income Standard Chartered Credit Card

Compare Best Standard Chartered Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best Standard Chartered credit cards compare to one another in terms of their rewards
Best Standard Chartered Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Standard Chartered Air Miles Cards Best Standard Chartered Credit Cards for Cashback Best High Income Standard Chartered Credit Card

Compare Best Cashback Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best Standard Chartered credit cards compare to one another in terms of their rewards
Best Standard Chartered Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best Standard Chartered Air Miles Cards

These Standard Chartered cards are very accessible to the average consumer and offer competitive miles rates across your spending. However, they lack the travel perks provided by some miles cards in Hong Kong.

Standard Chartered Asia Miles Mastercard: Top Dining Miles & Banking Bonus

  • Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is a rare card that offers both highly competitive rewards for general spending and top miles rates in select spending categories. The 0.167 miles per HK$1 local spend is significantly higher than the 0.067 market average, and the 0.250 or more miles earned on HK$1 dining spend is a great feature considering many consumers use a significant portion of their budget eating out.


The HK$2,000 annual fee is relatively high by market standards, but this can be avoided by opening one of several bank account types with Standard Chartered, including an SC Bonus Payroll Account which has a monthly salary requirement of just HK$5,000. Additionally, consumers who use SC products or services including premium deposit, investments, insurance, mortgage loan, online banking and more will earn 70 miles per service per month.

The HK$96,000 minimum annual salary means average income earners can also access this card. The most significant drawback is that this SC card does not offer travel perks like lounge access or discounted limo services that competitor cards Citi PremierMiles Card or DBS World Mastercard afford their consumers. Altogether, Standard Chartered Asia Miles Mastercard offers top miles rewards for general spending and boosted rates in relevant categories.

  • HK$96k min. annual salary
  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
  • Stand-Out: Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is a rare card that offers both highly competitive rewards for general spending and top miles rates in select spending categories. The 0.167 miles per HK$1 local spend is significantly higher than the 0.067 market average, and the 0.250 or more miles earned on HK$1 dining spend is a great feature considering many consumers use a significant portion of their budget eating out.


The HK$2,000 annual fee is relatively high by market standards, but this can be avoided by opening one of several bank account types with Standard Chartered, including an SC Bonus Payroll Account which has a monthly salary requirement of just HK$5,000. Additionally, consumers who use SC products or services including premium deposit, investments, insurance, mortgage loan, online banking and more will earn 70 miles per service per month.

The HK$96,000 minimum annual salary means average income earners can also access this card. The most significant drawback is that this SC card does not offer travel perks like lounge access or discounted limo services that competitor cards Citi PremierMiles Card or DBS World Mastercard afford their consumers. Altogether, Standard Chartered Asia Miles Mastercard offers top miles rewards for general spending and boosted rates in relevant categories.

  • HK$96k min. annual salary
  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services

Standard Chartered Platinum Credit Card: Choose Between Miles or Cashback

  • 0.067 miles/HK$1 on all spend
  • Promotions: Receive HK$600 cashback w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Receive up to HK$200 cashback w/ account opening online or via app
If you are someone looking to earn competitive rewards across all of your spending, you should consider Standard Chartered Platinum Credit Card. Cardholders have the choice of earning 0.067 miles per HK$1 local spend or receiving 0.4% cashback on their purchases, both of which are redeemed through the 360° Rewards programme. A convenient feature of the programme is that rewards never expire, meaning you can accumulate points and spend them on your own schedule.


While some consumers may prefer this card for its choice of cashback or miles, both rewards rates are eclipsed by other cards in the market, including other SC cards. Once the annual fee waiver expires after one year, the costs of Standard Chartered Platinum Credit Card will nearly outweigh the benefits for the average consumer.

  • HK$150k min. annual salary
  • Annual fee: HK$1.8k, 1st yr waiver
  • 0.067 miles per HK$1 local spend
  • 0.4% cashback on local spend
  • No expiry of 360° Rewards Points
  • Stand-Out: 0.067 miles/HK$1 on all spend
  • Promotions: Receive HK$600 cashback w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Receive up to HK$200 cashback w/ account opening online or via app
If you are someone looking to earn competitive rewards across all of your spending, you should consider Standard Chartered Platinum Credit Card. Cardholders have the choice of earning 0.067 miles per HK$1 local spend or receiving 0.4% cashback on their purchases, both of which are redeemed through the 360° Rewards programme. A convenient feature of the programme is that rewards never expire, meaning you can accumulate points and spend them on your own schedule.


While some consumers may prefer this card for its choice of cashback or miles, both rewards rates are eclipsed by other cards in the market, including other SC cards. Once the annual fee waiver expires after one year, the costs of Standard Chartered Platinum Credit Card will nearly outweigh the benefits for the average consumer.

  • HK$150k min. annual salary
  • Annual fee: HK$1.8k, 1st yr waiver
  • 0.067 miles per HK$1 local spend
  • 0.4% cashback on local spend
  • No expiry of 360° Rewards Points

Best Standard Chartered Credit Cards for Cashback

If you are someone who prefers a competitive rewards rate on all of your spending without the hassle of only using your card for certain purchases, this card may be a good choice for you. Some cashback credit cards offer higher rates in certain categories, but they often have rewards caps and spending requirements that Standard Chartered doesn’t.

Standard Chartered Simply Cash Visa Card: No Limit Cashback With Top Base Rates

  • Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Simply Cash Visa Card is a great choice for consumers looking for no-hassle, uncapped cashback across all of their spending. The 1.5% cashback for spending in local currency is one of the top flat rates on the market and is ideal if you don’t like to limit your spending to purchases in specific categories.


This SC credit card’s 2% cashback for spending in foreign currencies makes it a great choice if you are a frequent traveller or someone who spends in foreign currencies online. However, while this card’s flat cashback rate is very competitive, consumers with a lower budget may be better off with a card like Hang Seng MPOWER Credit Card that offers higher rewards rates for spending in specific categories, as long as you don’t exceed the rewards caps with your spending.

Standard Chartered Simply Cash Visa Card has a low minimum annual salary of HK$96,000, well below the HK$150,000 average salary in Hong Kong. When coupled with the perpetual annual fee waiver for banking customers, this card offers great cashback potential to SC loyalists on their local and international spend.

  • HK$96k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers
  • Stand-Out: Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Simply Cash Visa Card is a great choice for consumers looking for no-hassle, uncapped cashback across all of their spending. The 1.5% cashback for spending in local currency is one of the top flat rates on the market and is ideal if you don’t like to limit your spending to purchases in specific categories.


This SC credit card’s 2% cashback for spending in foreign currencies makes it a great choice if you are a frequent traveller or someone who spends in foreign currencies online. However, while this card’s flat cashback rate is very competitive, consumers with a lower budget may be better off with a card like Hang Seng MPOWER Credit Card that offers higher rewards rates for spending in specific categories, as long as you don’t exceed the rewards caps with your spending.

Standard Chartered Simply Cash Visa Card has a low minimum annual salary of HK$96,000, well below the HK$150,000 average salary in Hong Kong. When coupled with the perpetual annual fee waiver for banking customers, this card offers great cashback potential to SC loyalists on their local and international spend.

  • HK$96k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers

Best High Income Standard Chartered Credit Card

This card offers very competitive air miles rewards as well as respective perks for frequent travellers. However, it has a very high annual salary requirement and requires cardholders to have a Standard Chartered Priority Banking account, which puts it out of reach for most Hong Kong consumers.

Standard Chartered Priority Banking Credit Card: Top miles and Travel Perks for High Earners

  • Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Receive HK$600 cashback w/ HK5k min. spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
Standard Chartered Priority Banking Credit Card is a good option for very high earners who are looking for top miles rewards and perks that make travelling more comfortable. The 0.133 miles per HK$1 local spend is twice the market average, and the rate increases to 0.200 miles for overseas purchases. You should note that this SC card does not offer boosted miles rewards for spend on airline reservations, such as competitor card American Express Cathay Pacific Credit Card.


If you are looking for a SC card that offers travel perks, this card may be a good fit for your lifestyle. Cardholders can enjoy a 48% discount on limo trips from Hong Kong International Airport to their residence, as well as 8 complimentary airport lounge visits per year.

While Standard Chartered Priority Banking Credit Card has strong rewards potential, the requirements are prohibitive for most consumers. The HK$960,000 minimum annual salary is very high. Furthermore, only Standard Chartered Priority Banking clients are eligible for this card, and new accounts require either a minimum average daily balance of HK$1,000,000, a monthly salary of at least HK$80,000 or an outstanding mortgage of at least HK$4,000,000.

  • HK$960k min. annual salary
  • Annual fee: HK$2,400 (perpetual waiver available)
  • 0.133 miles per HK$1 local spend
  • 0.200 miles per HK$1 overseas spend
  • Complimentary USD1000k travel insurance
  • Discounted airport limousine service
  • 8 free airport lounge visits/yr at participating airports
  • Stand-Out: Top miles rewards and travel perks
  • Promotions: Receive HK$600 cashback w/ HK5k min. spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
Standard Chartered Priority Banking Credit Card is a good option for very high earners who are looking for top miles rewards and perks that make travelling more comfortable. The 0.133 miles per HK$1 local spend is twice the market average, and the rate increases to 0.200 miles for overseas purchases. You should note that this SC card does not offer boosted miles rewards for spend on airline reservations, such as competitor card American Express Cathay Pacific Credit Card.


If you are looking for a SC card that offers travel perks, this card may be a good fit for your lifestyle. Cardholders can enjoy a 48% discount on limo trips from Hong Kong International Airport to their residence, as well as 8 complimentary airport lounge visits per year.

While Standard Chartered Priority Banking Credit Card has strong rewards potential, the requirements are prohibitive for most consumers. The HK$960,000 minimum annual salary is very high. Furthermore, only Standard Chartered Priority Banking clients are eligible for this card, and new accounts require either a minimum average daily balance of HK$1,000,000, a monthly salary of at least HK$80,000 or an outstanding mortgage of at least HK$4,000,000.

  • HK$960k min. annual salary
  • Annual fee: HK$2,400 (perpetual waiver available)
  • 0.133 miles per HK$1 local spend
  • 0.200 miles per HK$1 overseas spend
  • Complimentary USD1000k travel insurance
  • Discounted airport limousine service
  • 8 free airport lounge visits/yr at participating airports
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion, specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross.