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Standard Chartered Simply Cash Visa Card
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Standard Chartered Hong KongHong Kong

Standard Chartered Simply Cash Visa Card

Annual Fee
HK$2,000/ year

Hong Kong's simplest premium cashback card — uncapped 1.5% on overseas and online spend.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

  • 1.5% uncapped cashback on FCY and online spend
  • 0% FX conversion fees
  • First-year annual fee waived
  • Up to HK$1,200 welcome cashback
  • Simple flat-rate cashback structure

The Bad

  • HK$2,000 annual fee from year 2
  • No lounge access
  • Visa Signature tier (not Visa Infinite)
  • Local spend at lower 1% rate

Lounge Access

0 lounge networks included

Guest Policy

Cardholder only

Purchase APR

36.36% APR

Credit Score

Good (Income HK$96,000+/year)

Limited Time Offer

Up to HK$1,200 Welcome Cashback + First-Year Fee Waived

Offer Terms & Eligibility:

Welcome cashback credited on spend milestones in first 90 days.

Lounge Networks

0 Included

Additional Travel Perks

1.5% Unlimited Cashback on Eligible Foreign Currency Spend
1.5% Cashback on Online Spend
1% Cashback on All Other Local Spend
Up to HK$1,200 Welcome Cashback Bonus
No Caps on Cashback Earnings
Auto-Credit to Card Account
0% Foreign Currency Conversion Fees
Mastercard Visa Signature Concierge
Travel Insurance Coverage
First-Year Annual Fee Waived

Lounges Standard Chartered Simply Cash Visa Card Opens

No airport lounge access is included with this card based on the lounge networks AirportLounge.com tracks. That doesn't necessarily mean the card has zero lounge benefit — issuers occasionally bundle limited or one-time-use passes that aren't a tracked network. Always confirm the current benefit on the issuer's site before applying.

For lounge access, browse all cards with tracked lounge networks or compare against a card you're considering on Compare.

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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