Best Standard Chartered Unionpay Credit Cards Hong Kong

Compare Standard Chartered student credit cards in Hong Kong to earn special discounts, cashback and welcome offers. read more
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Standard Chartered UnionPay Credit Card Features

Standard Chartered UnionPay Dual Currency Platinum Credit Card features dual currency- HKD and CNY in one card so cardholders can enjoy paying effortlessly in both places without worrying about the exchange rate. It also offers foreign exchange markup waiver, evergreen 360° points and a wide range of dining, shopping, lifestyle and entertainment offers.

Foreign Exchange Markup Waiver

Usually, there is a markup fee for foreign exchange for transactions settled in Hong Kong dollars made outside Hong Kong. With Standard Chartered UnionPay Credit Card, you will not be charged handling fees for purchases in RMB and foreign currencies. For example, any transactions made in Hong Kong and overseas will be posted to your HKD account and be repaid in HKD.

Standard Chartered Exchange Rate

Standard Chartered offers currency switching solution to customers. If you go to SCBHK online or go to SC Mobile App, you can start foreign exchange trading easily. By selecting a conversion currency and agreeing on the exchange rate, you can switch the currency as many as times as you wish before your deposits’ maturity date.

Premium Concierge Service

Standard Chartered offers assistance to cardholders even when traveling abroad. You can enjoy plenty of advantages with your Standard Chartered Bank Union Pay Card. For wherever in the world you may be in, you can get assistance for any of your travel and other emergency assistance services. The services include organizing a flight to certain destinations, recommending a restaurant in Hong Kong, or arranging for opera tickets. You can simply call and speak to a Concierge Service Representative and get his/her help.

How to Apply for a Standard Chartered UnionPay Credit Card

The easiest way is to apply on the Standard Chartered official website. Applicants need to provide ID proof, income proof and address proof documents when applying for a credit card. When necessary, applicant may also be required to submit other supporting documents. Also, pay attention to specific requirements such as minimum income requirements and age requirements.

Standard Chartered Credit Card Fees

Besides credit card annual fees, cardholders need to be aware of other common charges that associated with SCB credit cards such as a late charge, card replacement fee, returned item fee (e.g. rejected direct debit authorisation), over-limit charge, etc.

Late Payment Fee

If the minimum payment is not received by the relevant due date, a late fee will be charged. The amount will either be 5% of the outstanding balance or the minimum payment due.

Card Replacement Fee

If a replacement card is required, HK$100 will be charged for each credit card account.

Cash Withdrawal Fee

Cash withdrawal costs HK$75 per cheque. This service is provided for free if transfer is made to a Standard Chartered account.

Standard Chartered Credit Cards Frequently Asked Questions

Will Handling Fee be Charged when using UnionPay Overseas?

Standard Chartered UnionPay Dual Currency Platinum Credit Card provides handling fee waiver so cardholders are not required to pay handling fees.

Are UnionPay Credit Cards Accepted Globally?

UnionPay credit cards are more commonly accepted in Asian countries such as China, Japan, Korea and Thailand. Please note that UnionPay credit cards are less widely accepted among merchants in the US and Europe.

Is a Password Required When Using UnionPay Credit Card?

You may be asked to enter your password when checking out with a UnionPay Credit Card. You can either tell the store staff that you have not set up a password or enter 0000/ 000000 then press enter on the card machine to proceed.

Can I withdraw money from an ATM using the SCB UnionPay credit card?

There is no handling fee when you withdraw money from Credit using the SCB UnionPay Credit Card. When withdrawing money in foreign currency, there is often a currency exchange handling fee up to 1.95% with other credit cards. However, the Standard Chartered’s Dual Currency ATM Card gives you flexibility in making cash withdrawal in Mainland China settled from the RMB account and anywhere else settled from the HKD account.

Can I link SCB Union Pay credit card to Apple Pay?

Yes. You can link your SCB UnionPay Credit Card to Apple Pay. There will be no additional cost when making purchases with your SCB UnionPay Credit Card using Apple Pay.