Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

The Standard Chartered Cathay Mastercard offers a welcome offer of up to 60,000 miles and a first-year annual fee waiver. With this card, spending at Cathay Pacific and HK Express can be as low as HK$2 per mile, while online purchases, dining, and overseas spending can be as low as HK$4 per mile. The annual income requirement is HK$96,000, which is the lowest among the three Standard Chartered Cathay Mastercards available.
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Benefits
Quick Facts
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Eligibility
Fees
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Standard Chartered Cathay Mastercard Highlights

Annual Fee
HK$ 2,000
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Airmiles Hotel Booking
$ 4  per mile
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Airmiles Dining
$ 4  per mile
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Airmiles Overseas
$ 4  per mile
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4 Offers Available
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,800)
Offer Upgrade (Mutually exclusive form Exclusive Offer)
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,800)

+ 1 other gift options

Offer Upgrade (Mutually exclusive form Exclusive Offer)

  • New Standard Chartered Credit Card Customers can redeem Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) OR Insta360 Go 3S (Valued at HK$3,458；random colour) using Standard Chartered Cathay Mastercard with HK$1,800 by fulfilling the following requirements:
    • From 31 October 2024 6 p.m. to 29 November 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
    • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
    • On or before 31 December 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
    • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
  • Tips:
    • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
    • Details for redeeming the Dyson Supersonic™ HD15 Hair Dryer OR Insta360 Go 3S :
    • After the eligibility are confirmed by the bank, MoneyHero will send out the reward redemption emails to the eligible customers. Customers can follow the instructions in the email and receive the Dyson Supersonic™ HD15 Hair Dryer OR Insta360 Go 3S by paying HK$1,800 using Standard Chartered Cathay Mastercard at the redemption center.
      • If there are any questions regarding the warranty and product conditions, please reach out to MoneyHero for further details.
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
    • Terms and Conditions Apply.
    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
LEGEND WALKER 31
MoneyHero Exclusive Welcome Gift
LEGEND WALKER 31" Luggage (valued at HK$5,600, random color)

+ 2 other gift options

MoneyHero Limited-Time Exclusive Offer

  • New Standard Chartered Credit Card Customers get rewarded with LEGEND WALKER 31" Luggage (valued at HK$5,600; random colour) OR Bruno BAK801 Instant Hot Water Dispenser (valued at HK$998; random colour) OR Marshall MOTIF II A.N.C. (valued at HK$1,599) by fulfilling the following requirements:
    • From 31 Ocober 2024 6 p.m. to 29 November 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
    • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
    • On or before 31 December 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
    • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
  • Tips:
    • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
    • Terms and Conditions Apply.
    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
HK$900 Apple Store Gift Card
MoneyHero Exclusive Welcome Voucher
HK$900 Apple Store Gift Card

+ 3 other gift options

MoneyHero Limited-Time Exclusive Offer

  • New Standard Chartered Credit Card Customers get rewarded with HK$900 Apple Store Gift Card / Wellcome Shopping Voucher /  Klook e-Gift Voucher / HKTVmall e-Gift Voucher by fulfilling the following requirements:
    • From 31 October 2024 6 p.m. to 29 November 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
    • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
    • On or before 31 December 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
    • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
  • Tips:
    • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
    • Terms and Conditions Apply.
    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
60,000 Miles
Welcome Offer - Up to 60,000 Miles
Up to 60,000 Miles
  • From now till 30 November 2024, new cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to 60,000 Asia Miles
    • Spending within the first 2 months upon card issuance –
      • Tier 1: Accumulated Eligible Transactions* of HKD1,000 = 5,000 Miles (HK$0.2/mile)
      • Tier 2: Accumulated Eligible Transactions* of HKD5,000 = 15,000 Miles (HK$0.33/mile)
      • Tier 3: Accumulated Eligible Transactions* of HKD40,000 = 40,000 Miles (HK$1/mile)
      • Tier 4: Accumulated Eligible Transactions* of HKD100,000 = 60,000 Miles (HK$1.67/mile)
    • *Eligible Transactions are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase

Things to consider

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Welcome offer: Air miles

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Air miles conversion

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Hotel bookings offer

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Overseas rebate

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Standard Chartered Cathay Mastercard Benefits

Airmiles

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Airmiles Base Rate
$ 6  per mile
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Airmiles Local
$ 4  per mile
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flight
Airmiles Overseas
$ 4  per mile
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restaurant
Airmiles Dining
$ 4  per mile
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Airmiles Local Online Shopping
$ 6  per mile
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Airmiles Overseas Online Shopping
$ 4  per mile
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luggage
Airmiles Travel
$ 2  per mile
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Airmiles Digital Wallet
$ 6  per mile
Airmiles Octopus Top Up Spending
$ 6  per mile
Airmiles Online Food Delivery
$ 4  per mile

Additional Benefits

Octopus Maximum Top up Value
HK$ 500
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Standard Chartered Cathay Mastercard More Info

Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

  • Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
    • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
  • HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
  • HK$6 = 1 Asia Mile for eligible spending on other categories

10% discount on Asia Miles Awards redemption
  • Hotel, Car Rental and Experience Awards;
  • Dining awards or settle bill with miles; and
  • Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings

First-year annual fee waiver
  • New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

Other things to note
  • New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
  • Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
  • Offers are subject to Terms and conditions
  • An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
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Standard Chartered Cathay Mastercard Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 96,000
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Standard Chartered Cathay Mastercard Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 2,000
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Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher.
Late Payment Charge
EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower
Retail Purchase APR
35.7  %
Cash Advance APR
39.9  %
Interest Free Period
Up to 56  days
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Standard Chartered Cathay Mastercard Other Info

Association

Mastercard

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Standard Chartered Cathay Mastercard Standard Chartered Cathay Mastercard

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