Hang Seng MMPOWER World Mastercard vs Standard Chartered Smart Credit Card
Compare Hang Seng MMPOWER World Mastercard, Standard Chartered Smart Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Hang Seng MMPOWER World Mastercard |  Standard Chartered Smart Credit Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 53Fair | 68Good Highest |
|---|---|---|
| Cashback | – | 99/100 |
| No annual fee | 76/100 | 82/100Highest |
| Rewards | 39/100Highest | 25/100 |
| Sign-up bonus | 45/100 | – |
| Travel | – | 64/100 |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Mastercard | Visa |
| Credit rating | Not published | Not published |
| Rewards program | +FUN Dollars | 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 | Hong Kong resident |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 56 days | Up to 56 days |
|---|---|---|
| Minimum repayment | Not applicable to World Mastercard — full payment of the New Balance required; late charge of HK$330 or an amount equal to the New Balance (whichever is lower) if not paid in full by due date | 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 | 32.04% p.a.Lowest | 33.36% p.a. |
|---|---|---|
| Cash advances | 32.04% p.a. | 30.92% p.a.Lowest |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$0 | HK$0 |
| Cash advance fee | 0.5% of the amount | — |
| Foreign transaction fee | 1.95% | 0%Lowest |
| Late payment fee | HK$330Lowest | HK$350 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 1 +FUN Dollar per HK$250 | None |
|---|---|---|
| Bonus categories | None | None |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | — |
| Points expiry | — | — |
| Estimated annual points | 844 ptsWorth HK$844 | – |
Sign-up bonus
| Sign-up bonus | 700 points | — |
|---|---|---|
| Bonus spend required | HKD5,000 within 60 days from the date of new card issuance (new credit card customers); HKD2,000 for full-time university/tertiary students | — |
Cashback
| Sign-up cashback | — | — |
|---|---|---|
| Spend required | — | — |
| Ongoing cashback | — | 5% on eligible spend |
| Cashback cap | — | 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