Dah Sing ONE+ Credit Card vs Standard Chartered Smart Credit Card
Compare Dah Sing ONE+ Credit Card, Standard Chartered Smart Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Dah Sing ONE+ Credit Card |  Standard Chartered Smart Credit Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 67Good | 68Good Highest |
|---|---|---|
| Cashback | 100/100Highest | 99/100 |
| No annual fee | 75/100 | 82/100Highest |
| Rewards | 25/100 | 25/100 |
| Travel | – | 64/100 |
The basics
| Card tier | Platinum | Not published |
|---|---|---|
| Card type | Not published | Visa |
| Credit rating | Not published | Not published |
| Rewards program | None | None |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 18 years old |
|---|---|---|
| Minimum income | HK$150,000 p.a. | HK$96,000 p.a.Lowest |
| Residency | Hong Kong resident | Hong Kong resident |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Yes (~60 seconds) | Not published |
Repayments
| Interest-free period | Up to 60 daysHighest | Up to 56 days |
|---|---|---|
| Minimum repayment | If the Monthly Statement Balance is HKD / RMB200 or above, all interest and fees and charges including annual membership fees that may be charged, plus 1% of outstanding principal or HKD / RMB200 (whichever is higher); or if the Monthly Statement Balance is less than HKD / RMB200, the minimum payment will be the Monthly Statement Balance. | 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$220, whichever is higher. |
Rates & fees
Ongoing interest rates
| Purchases | 31.00% p.a.Lowest | 33.36% p.a. |
|---|---|---|
| Cash advances | 31.00% p.a. | 30.92% p.a.Lowest |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900 | HK$0Lowest |
| Cash advance fee | — | — |
| Foreign transaction fee | 2.95% | 0%Lowest |
| Late payment fee | HK$300Lowest | HK$350 |
Rewards
Cashback
| Sign-up cashback | HK$500 | — |
|---|---|---|
| Spend required | HK$5,000 in 2 months | — |
| Ongoing cashback | 1% on eligible spend | 5% on eligible spend |
| Cashback cap | 1% on local/overseas retail spending, unlimited, no registration or redemption required, no expiry. 0.5% on Octopus AAVS reloads. | Up to 5% total CashBack. Requires minimum HKD4,000 monthly eligible spending. Extra CashBack (4.44%) applies to designated merchants up to HKD5,000 spending cap per statement cycle; Basic CashBack (0.56%) is unlimited. At HKD15,000+ spend: 3.80% extra + 1.2% basic = 5%. No CashBack if monthly eligible spending is below HKD4,000. |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards