Up to 60,000 Miles for new cardholders (as low as HKD0.2 = 1 Mile)
Spending within the first 2 months upon card issuance –

• Tier 1: Accumulated Eligible Transactions of HKD1,000 = 5,000 Miles
• Tier 2: Accumulated Eligible Transactions of HKD5,000 = 15,000 Miles
• Tier 3: Tier 3: Accumulated Eligible Transactions3 of HKD40,000 = 40,000 Miles
• Tier 4: Accumulated Eligible Transactions3 of HKD100,000 = 60,000 Miles

1. This Rewards Scheme is only applicable to cardholders (“Cardholders”, including both the principal and supplementary cardholders) of Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard – Priority Banking and Standard Chartered Cathay Mastercard – Priority Private (“Card”) issued by Standard Chartered Bank (Hong Kong) Limited (“Bank”).
2. Cardholders will earn Asia MilesTM (“Miles”) for all eligible transactions (“Eligible Transactions”, which is described further in clause 3 below) made with their Cards as follows:
   Every HK$4 in “Dining”, “Online” and “Overseas” category (which are described further in clause 4) - 1 Mile
   Every HK$6 in other categories which are posted to the Card account in Hong Kong Dollars - 1 Mile
   
   For the purpose of calculating Miles earned, Eligible Transactions conducted by principal and all supplementary Cards (if any) under the same Card account will be combined and any remaining odd dollars that cannot be converted into 1 Mile in a statement month will be carried forward to the next statement month. Eligible Transactions conducted in a foreign currency will be converted into Hong Kong Dollars at a rate the Bank reasonably considers appropriate.
3. Eligible Transactions means retail transactions (including interest-free monthly instalment) and Octopus Automatic Add-Value transactions made with a Card but does not include the following:
   a) Insurance payment, bill payment transactions made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Service, phone order, mail order, transactions made at merchants in the gambling and betting, security brokers or dealers, non- financial institutions (including but not limited to the purchase of foreign currency, money orders and travelers cheques), financial institutions (including but not limited to the purchase of merchandise and services from banks, savings and loans, thrifts and credit unions and face-to- face cash disbursement), wire transfer money orders and wholesale purchase of precious stones and metals, watches and jewelry category (as defined by Mastercard Asia/Pacific (Hong Kong) Limited from time to time), cash advances, balance transfers, “Instalment Credit” amounts, “Credit-to-Cash” amounts, tax payment, financial charges and fees;
   b) Any unposted / cancelled / refunded / falsified/unauthorised transactions.
   
   For retail transactions under an interest-free monthly instalment plan, Miles are earned when an instalment amount is posted to the Card account.
4. a) Transactions made at dining outlets which are categorized as restaurants, dining merchants / organizations in accordance with the merchant codes assigned by Mastercard Asia/Pacific (Hong Kong) Limited from time to time and are posted to the Card account in Hong Kong Dollars. Transactions made in private parties/functions, private room events, private kitchen, food and beverage outlets in food courts/supermarkets/department stores, associations/club houses do not fall into the Dining category.
   b) Transactions made online in accordance with the definition assigned by Mastercard Asia/Pacific (Hong Kong) Limited from time to time.
   c) Transactions posted to the Card account in a currency other than Hong Kong Dollars.
   
   Please call our 24-hour Standard Chartered Asia Miles Mastercard Customer Service Hotline at 2886 4111 for any enquiry about the category of a particular merchant. The Bank reserves the right to determine the category of a particular merchant. If a transaction falls into more than one of the categories described in this clause, such transaction is only entitled to earning Miles under one category at the Bank’s discretion.
5. Principal Cardholders are required to provide accurate Asia Miles membership information including membership surname, given name, membership number and any other information as may be required in the Card application form and thereafter from time to time or as required and to maintain a valid Asia Miles membership account at all relevant times in order to participate in this Rewards Scheme, and for the Miles earned to be credited to principal Cardholders’ Asia Miles membership accounts. Asia Miles membership account must be owned by the principal Cardholders. Subsequent change of Asia Miles membership account associated with their Card is not allowed save in exceptional circumstances as determined by the Bank in its sole discretion.
6. Miles earned in respect of Eligible Transactions posted in a statement month will be displayed in the statement issued for the same statement month. The Bank will provide the principal Cardholders’ Asia Miles membership surname, given name, membership number and the number of Miles earned to Asia Miles Limited within 7 working days from the statement date. Upon receiving such information from the Bank, Asia Miles Limited will credit the Miles earned to the respective principal Cardholders’ Asia Miles membership accounts within 7 working days. Principal Cardholders should notify the Bank within 1 month from the statement date by calling our 24-hour Standard Chartered Asia Miles Mastercard Customer Service Hotline at 2886 4111 if Miles earned for a statement month is not credited to their Asia Miles membership accounts within 14 working days from the statement date; otherwise, the Bank accepts no liability and will not arrange for any compensation.
7. Miles earned cannot be converted into bonus points or cash rebate and are non-transferrable.
8. Cardholders acknowledge that the Miles earned from Eligible Transactions shall be credited to their Asia Miles membership accounts by Asia Miles Limited. The Bank will use its best endeavour to provide the necessary information to Asia Miles Limited to facilitate this purpose, however the Bank makes no warranty that the Miles earned will be accurately credited to the Asia Miles membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Miles to the principal Cardholder’s Asia Miles membership account for any reason beyond the Bank’s control. Terms and Conditions of Asia Miles apply for redemption and/or use of Miles. For details, please visit www.asiamiles.com. The Bank is not obliged to notify Cardholders of any changes or latest announcements of Asia Miles Limited. Cardholders understand and accept that the Bank is not the supplier of the reward (including Miles). The Bank shall bear no liability relating to any aspect of the reward, including without limitation, their quality, the supply, the descriptions of the reward provided by the supplier, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the reward provided by the supplier, its employees, officers or agents.
9. Upon receipt of notification from Asia Miles Limited that crediting of Miles to Asia Miles membership account(s) is rejected, the Bank will, as soon as practicable, notify the principal Cardholders accordingly. Principal Cardholders are required to verify and provide valid Asia Miles membership information or any other information as may be required to facilitate Miles crediting and notify the Bank accordingly. Miles crediting that was rejected in previous statement month(s) will be accumulated and credited in the next statement month after valid Asia Miles membership information or other required information are provided. If the Asia Miles membership account remains invalid or the required information is not provided for Miles crediting at the time the relevant Card account is closed, the earned Miles will be forfeited and the Bank accepts no liability for such forfeiture.
10. In the event that any Miles have been credited to an Asia Miles membership account and the transaction(s) with respect of which Miles have been earned is/are subsequently cancelled or refunded, without prior notice to the principal Cardholders, the Bank has the right to debit the same number of Miles credited from the Card account and Asia Miles membership account through Asia Miles Limited.
11. The Bank reserves the right not to award any Miles if a Card account is invalid or not in good financial standing, or if a Cardholder has failed to pay any minimum payment due on or before the due date specified in the relevant monthly statement in the preceding 12 months.
12. The Bank reserves the right to alter or terminate this Rewards Scheme and amend the terms and conditions herein at any time, including, but not limited to, the Miles earning rate. In case of disputes, the decision of the Bank shall be final and binding.
13. These terms and conditions should be read together with the Client Terms and the applicable documents referred to in Part A of the Client Terms including the Credit Card Terms that form the banking agreement between the Bank and the Cardholders.
14. These terms and conditions shall be governed in accordance with the laws of the Hong Kong SAR and the Cardholders irrevocably submit to the non-exclusive jurisdiction of the competent court of the Hong Kong SAR.
15. If there is any inconsistency or conflict between English and Chinese versions of these terms and conditions, the English version shall prevail.

Standard Chartered Cathay Mastercard Annual Fee Waiver Terms and Conditions

1. All principal cardholders (“Cardholders”) of Standard Chartered Cathay Mastercard (“Card”) issued by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) 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. Cardholders are entitled to the above stated annual fee waiver so long as Cardholders meet the above stated criteria in the annual fee billing month.
2. The Bank reserves the right not to award any annual fee waiver if a Card account is invalid or not in good financial standing, or if a Cardholder has failed to pay any minimum payment due on or before the due date specified in the relevant monthly statement in the preceding 12 months.
3. The Bank reserves the right to alter or terminate this offer and amend the terms and conditions herein at any time. In case of disputes, the decision of the Bank shall be final and binding.
4. These terms and conditions should be read together with the Client Terms and the applicable documents referred to in Part A of the Client Terms including the Credit Card Terms that form the banking agreement between the Bank and the Cardholders.
5. These terms and conditions shall be governed in accordance with the laws of the Hong Kong SAR and the Cardholders irrevocably submit to the non-exclusive jurisdiction of the competent court of the Hong Kong SAR.
6. If there is any inconsistency or conflict between English and Chinese versions of these terms and conditions, the English version shall prevail.

1. New Cardholders (as defined in clause 2 of Section A) who fulfil the following requirements may be entitled to the offer as set out in clause 2 of this Section C below (“Section C Offer”) as the Welcome Offer:
   1. i. New Cardholders submit Standard Chartered Cathay Mastercard (“Cathay Mastercard”) application form via the Bank’s website during the Promotion Period; AND
   1. ii. New Cardholders have successfully applied for, and being issued with, a principal card of the Cathay Mastercard by the Bank on or before 30 September 2022; AND
   1. iii. New Cardholders have fulfilled specific requirements as set out below with the Cathay Mastercard.
2. Section C Offer – up to 60,000 Asia Miles (“Miles”).
   2. i. Section C Offer consists of the following 4 Tiers:
   (a) Tier 1: HKD1,000 = 5,000 Miles
   Accumulated Eligible Transactions of HKD1,000 made with the newly approved Cathay Mastercard within the first 2 months from the date of card issuance will be rewarded 5,000 Miles; OR
   (b) Tier 2: HKD5,000 = 15,000 Miles
   Accumulated Eligible Transactions of HKD5,000 made with the newly approved Cathay Mastercard
   within the first 2 months from the date of card issuance will be rewarded 15,000 Miles; OR
   (c) Tier 3: HKD40,000 = 40,000 Miles
   Accumulated Eligible Transactions of HKD40,000 made with the newly approved Cathay Mastercard within the first 2 months from the date of card issuance will be rewarded 40,000 Miles; OR
   (d) Tier 4: HKD100,000 = 60,000 Miles
   Accumulated Eligible Transactions of HKD100,000 made with the newly approved Cathay Mastercard within the first 2 months from the date of card issuance will be rewarded 60,000 Miles.
   
   2. ii. The Miles rewarded under the Section C Offer include the Miles earned from the prevailing Standard Chartered Cathay Mastercard Rewards Scheme (“Cathay Mastercard Rewards Scheme”).
3. For New Cardholders who meet the requirements and are entitled to the Section C Offer:
   3. i. New Cardholders will first receive the Miles they can earn under the prevailing Cathay Mastercard Rewards Scheme in accordance with the timeline stated under the Cathay Mastercard Rewards Scheme Terms and Conditions, which Miles will be displayed in the monthly statement of Cathay Mastercard’s account.
   3. ii. The Bank will then calculate the total amount of Miles that New Cardholders are entitled under the Section C Offer (“Total Miles”) and will credit the difference between the Total Miles and the Miles earned under the prevailing Cathay Mastercard Rewards Scheme (Total Miles minus the Miles earned under the prevailing Cathay Mastercard Rewards Scheme) (“Remaining Miles Balance”) to the respective New Cardholders’ Asia MilesTM membership accounts associated with their Cathay Mastercards. The Miles will be rounded up to the nearest whole number and decimal places will not be included.
   Example
   Total amount of Miles entitled under the Section C Offer = 15,000 Miles
   The Miles earned under the Cathay Mastercard Rewards Scheme = 1,000 Miles
   Remaining Miles Balance = 14,000 Miles
4. The Bank reserves the right to determine the calculation methods applied under the Section C Offer. In case of any disputes, the Bank’s decision shall be final and conclusive.
5. The Bank will provide the relevant information of the New Cardholders’ Asia Miles membership accounts, including family name, given name, membership number and the number of Miles earned to Asia Miles Limited for the crediting of the Miles under the Section C Offer. Upon receiving such information from the Bank, Asia Miles Limited will credit the Miles earned to the respective New Cardholders’ Asia Miles membership accounts within 7 months from the date of issuance of the Cathay Mastercards.
6. In the event that any Miles have been credited to Asia Miles membership accounts but the transaction(s) that made up the Eligible Transactions entitling the New Cardholders to the Miles, in whole or in part, is/are subsequently cancelled or refunded, without prior notice to the New Cardholders, the Bank has the right to debit the same amount of the Miles credited from the card account and Asia Miles membership accounts through Asia Miles Limited.
7. The Miles earned cannot be converted into bonus points or cash rebate and are non-transferable.
8. New Cardholders acknowledge that the Miles earned under the Section C Offer shall be credited to his/her Asia Miles membership account by Asia Miles Limited. The Bank will use its best endeavour to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Miles earned will be accurately credited to the Asia Miles membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of the Miles to the New Cardholder’s Asia Miles membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles website at asiamiles.com.
9. Terms and conditions apply for redemption and/or use of the Miles. For details, please visit asiamiles.com. The Bank is not obliged to notify you of any changes or latest announcements of Asia Miles Limited. New Cardholders understand and accept that the Bank is not the supplier of the Asia Miles membership account, the Miles and the redeemed items. The Bank shall bear no liability relating to any aspect of the Asia Miles membership account, the Miles and the redeemed items, including without limitation, their quality, supply, descriptions of the Asia Miles membership account, the Miles and the redeemed items provided by the relevant suppliers, false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Asia Miles membership account, the Miles and the redeemed items provided by the relevant suppliers, their respective employees, officers and/or agents. The use of the Asia Miles membership account, the Miles and the redeemed items is subject to the terms and conditions as stipulated by the relevant suppliers.
10. Remaining Miles Balance will be forfeited if AsiaMiles Limited rejects the crediting of the Miles at the time when they are credited without prior notice.
11. To credit the Miles earned under the Section C Offer, New Cardholder must have a valid Asia Miles membership account and must ensure the accuracy and completeness of that information when given. Failing to provide the Asia Miles membership account number or to ensure the accuracy and completeness of the information will result in the Bank forfeiting the Miles earned. The Bank will not make up the Miles nor will it be required to compensate for the forfeiture of the Miles earned.