HSBC Visa Signature Card vs Standard Chartered Cathay Mastercard
Compare HSBC Visa Signature Card, Standard Chartered Cathay Mastercard side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 HSBC Visa Signature Card |  Standard Chartered Cathay Mastercard |
|---|
Card details
CardIQ
How we calculate scores| Overall | 39Basic | 43Fair Highest |
|---|---|---|
| Airport lounge | – | 37/100 |
| No annual fee | 42/100Highest | 41/100 |
| Rewards | 30/100 | 39/100Highest |
| Sign-up bonus | 44/100 | 57/100Highest |
| Travel | – | 42/100 |
The basics
| Card tier | Signature | Standard |
|---|---|---|
| Card type | Visa | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | HSBC RewardCash | Asia Miles |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | Not published | 18 years old |
|---|---|---|
| Minimum income | HK$240,000 p.a. | HK$96,000 p.a.Lowest |
| Residency | Not published | 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 | (a) Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or (b) HKD300, whichever is higher; plus overdue or overlimit due | 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 | 31.80% p.a.Lowest | 33.36% p.a. |
|---|---|---|
| Cash advances | 31.80% p.a. | 30.92% p.a.Lowest |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$1,000 | HK$0Lowest |
| Cash advance fee | 1% of the amount | 3.5% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$300Lowest | 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 | 1.6 RewardCash dollars per HK$100 | 1 Asia Mile per HK$6 |
|---|---|---|
| Bonus categories | 3.6 RewardCash dollars per HK$100 in bonus categories | 1 Asia Mile per HK$2 in bonus categories |
| Other purchases | None | None |
| Overseas spend | None | 1 Asia Mile per HK$4 on overseas spend |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | — |
| Estimated annual points | 1,376 ptsWorth HK$1,376 | 46,000 ptsWorth HK$4,140Highest |
Sign-up bonus
| Sign-up bonus | 800 points | 40,000 pointsHighest |
|---|---|---|
| Bonus spend required | — | Tier 1: Accumulated Eligible Transactions of HKD5,000 = 10,000 Miles; Tier 2: HKD40,000 = 20,000 Miles; Tier 3: HKD110,000 = 40,000 Miles within the first 2 months upon card issuance |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- HSBCStandard Chartered