Standard Chartered Revolving Cash Card

Enjoy more flexibility and autonomy in managing your wealth

Standard Chartered Revolving Cash Card provides you with the cash flow you need to grasp any wealth management opportunities. It's totally hassle-free. With no fixed repayment amount, you'll be able to enjoy more flexibility and autonomy in managing your wealth.

Loan feature	Provide greater cash flow flexibility.
Loan amount	Up to HK$800,000 or 4x your monthly salary (whichever is lower).
Loan tenor	No fixed tenor.
Fund disbursement	First withdrawal amount1 will be disbursed to the customer's designated repayment account.
Flexible refinancing	Withdraw the available credit limit via Standard Chartered ATM or JETCO machines; free to reborrow the repaid amount without reapplication.

¹ First withdrawal amount will be equivalent to 95% of the approved credit limit (will be rounded down to the nearest thousand dollars).

As a privileged customer¹, you can enjoy the special rates below upon applying successfully for Standard Chartered Revolving Cash Card:

Credit limit(HK$)	Interest rate for first 3 months (p.a.) Annualized percentage rate2	Interest rate thereafter (p.a.) Annualized percentage rate2
$5,000 - $19,999	0% (0.13%)	15.8% (16.99%)
$20,000 - $49,999		11.8% (12.53%)
$50,000 - $199,999		9.8% (10.35%)
$200,000 - $499,999		7.8% (8.21%)
$500,000 or above		6.8% (7.14%)

¹ Privileged customers are determined basing on the customers' credit record. Standard Chartered Bank (Hong Kong) Limited ("The Bank") has the absolute right to determine the approval of the loan and the final interest rate.

² The Annualized Percentage Rates (APR) in parentheses above are calculated according to the Net Present Value method as specialized in the Code of Banking Practice, including the 1% annual fee. Interest is calculated on the basis of a 365-day or 366-day (where applicable) year.

General Terms and Conditions:

• Standard Chartered Bank (Hong Kong) Limited ("the Bank") reserves the right of final approval of this application, and is under no obligation to provide any explanation. The Bank also reserves the right to determine the final interest rate, the approved credit limit and offers offered.
• Upon approval of the loan application, the first withdrawal amount will be credited to the customer's designated repayment account within five working days.
• A handling fee of 1% of the withdrawal amount or HK$50 (whichever is higher) will be levied on each cash withdrawal.
• An annual fee of 1% of the approved credit limit shall be debited from the loan account when the loan is first drawdown and on each anniversary of the first drawdown date of the loan.
• Monthly minimum payment is the total aggregate amount of the following items or HK$50 whichever amount is higher:
  • (i) total outstanding billed interest, fees and charges (if applicable); and
  • (ii) total over-limit amount by which the Statement balance exceeds the Approved Credit Limit assigned by the Bank (if applicable); and
  • (iii) 0.5% of the total outstanding debit balance (excluding items (i) and (ii)).
• The Bank reserves the right to alter or terminate the offer and amend the terms and conditions of this promotional leaflet at any time. In case of disputes, the Bank's decision shall be final.
• In case of discrepancies between the English and Chinese Terms and Conditions, the English version shall prevail.

The prevailing pricing is offered to you based on the credit assessment upon your loan approval. The Bank has the right to modify your pricing with 30 days advance notice based on the credit assessment from time to time including, but not only limited to, your repayment record, credit bureau grading and the Bank's prevailing credit policy. Besides 30 days advance notice, the Bank will attempt to do this with minimal change in your instalment amount.

Please click here for the relevant terms and conditions.