AlipayHK and Standard Chartered Bank Join Forces to Launch the Ultimate “Earn A. Point as Cash” Credit Card
The new “A. Point Card” enables users to effortlessly earn A. Point (AlipayHK reward points) through everyday spending. These points can be used as cash discounts or redeemed for coupons from AlipayHK and its partner merchants. When using AlipayHK for spending in Chinese mainland, on transportation, and for bill payments, users can enjoy earning 20 times more A. Point rewards.
Quick approval and instant use with the A. Point Card, which does not require a physical card for transactions. Linking with AlipayHK also offers additional benefits, making the combination of 1 App + 1 Card the perfect spending and payment solution.
*Approval time depends on individual circumstances.
Reminder: Borrow responsibly—Only borrow what you can repay!
A. Point: “Instant Earn, Instant Burn”
● Earn: For every $1 spent on general purchases, 2 A. Point are earned. For designated spending categories (such as in Chinese mainland, on transportation, and for bill payments), 20 A. Point are earned per $1.
● Burn: Every 1,000 A. Point can be redeemed for $1 off transactions or exchanged for AlipayHK and partner merchant coupons.
Permanent Waiver of Annual Fee
Upon approval, the annual fee is permanently waived.
A. Point Card Contactless Payment
Secure an A. Point Card physical card to access the PayWave contactless payment feature—simply tap the card to complete transactions.
Support for Other Payment Tools
Connect the A. Point Card with Apple Pay, Samsung Pay, or other e-wallets to access multiple benefits.
A. Point Card Worldwide Acceptance
Leveraging Visa’s global presence, the A. Point Card is valid in over 200 countries and regions, enabling AlipayHK users to experience unrestricted global spending.
• HKD 700 Waiver on A. Point Spending
• No fees on the first HKD 20,000 in tax payments
• Free monthly “Travel Pass” for the first six months
• In December, A. Point Card Users can capture up to HKD 888 in cross-border coupons weekly
*Rewards are granted upon confirmation of the physical card and completion of the first transaction
Standard Chartered A. Point Card Reward Terms and Conditions
A. General Terms and Conditions
1. The “Standard Chartered A. Point Card Reward Terms and Conditions” consists of “A. Point Card Welcome Reward” and “A. Point Card Spending Reward” (together, “Promotion”). The Promotion is subject to these General Terms and Conditions.
2. In addition, the “A. Point Card Welcome Reward” and “A. Point Card Spending Reward” are each subject to its respective terms and conditions set out in Sections B, C and D below, which together with these General Terms and Conditions shall be collectively referred to as “Terms and Conditions”.
3. All rewards derived from this Promotion are collectively referred to as “Rewards”.
4. During the Promotion Period, each user may only participate in this Promotion once in accordance with the relevant Terms and Conditions, and may receive only the specified number of Coupons/Rewards within the Promotion Period as set out in the relevant Terms and Conditions. For the avoidance of doubt, “each user” refers to a natural person with legal capacity who uses the AlipayHK App and Wallet service, but not merely an AlipayHK account. To further avoid any dispute, in the following circumstances, the relevant accounts will be deemed to be used by the same user:
(i) Connection on the same mobile phone or mobile device, such as the logging in or activation of multiple accounts; or
(Ii) Connection of an AlipayHK account or mobile number on multiple mobile phones or mobile devices, such as the logging in or activation on such devices; or
(iii) The same credit card number being connected to multiple AlipayHK accounts.
In the case of any of the above, in order to verify the user’s identity and prevent the risk of theft or misuse of such AlipayHK account, mobile phone number, mobile device or credit card number, AlipayHK reserves the right to suspend or terminate the release of any Coupon/Reward to the relevant account and to take legal action.
5. Coupons/Rewards are limited in quantity and available on a first-come-first-served basis. AlipayHK’s records shall prevail under any circumstances.
6. If there is any breach of the Terms and Conditions or illegal, fraudulent or abusive behaviour during the use of any Coupons/Rewards, AlipayHK will forfeit such user’s eligibility and entitlement of Coupons/Rewards forthwith without notice, AlipayHK reserves the right to cancel such transaction and to take legal action against the relevant user.
7. Unless specified otherwise, Coupons/Rewards cannot be used to purchase cash vouchers, gift vouchers, or prepaid cards. They are also non-exchangeable for cash and non-transferable. For goods return or refund, the amount on the Coupons/Rewards will not be returned and the relevant Coupon/Reward will not be re-issued.
8. AlipayHK will carry out this Promotion in accordance with applicable laws in the Hong Kong Special Administrative Region. In the event this Promotion is stopped by government agency’s orders or must be suspended due to server network attack or system failure or any circumstances beyond AlipayHK’s control, such event shall be regarded as a force majeure event, and AlipayHK shall not be held liable for any damage, loss or dispute therein.
9. AlipayHK shall not be liable or construed as providing any guarantee as to the quality and availability of the products and/or service provided by merchants.
10. AlipayHK reserves the right to change, suspend or terminate the Promotion or the Terms and Conditions at its sole discretion without prior notice. AlipayHK shall not be liable for any such change, suspension or termination and reserves the right of final decision of all the matters and disputes.
11. For any enquiries in relation to AlipayHK App and its services or offers, please call the AlipayHK customer service hotline at 2245 3201.
12. A. Point Card cardholders should understand and accept that Standard Chartered Bank (HK) Limited (the “Bank”) is not the provider of the “A. Point Card Welcome Reward” and the “A. Point Card Spending Reward” under this Promotion. The Bank shall bear no liability relating to any aspect of the rewards under this Promotion, including without limitation, their quality, the supply, the descriptions, any false trade description, misrepresentation, mis-statement, unauthorized representation, unfair trade practices or conduct in connection with the rewards under this Promotion as offered by AlipayHK.
13. “A. Point Card Welcome Reward” and “A. Point Card Spending Reward” earned cannot be converted into Standard Chartered bonus points or cash rebate and are non-transferrable.
14. Please visit the AlipayHK App to access the latest terms and conditions of the “A. Point Card Welcome Reward” and “A. Point Card Spending Reward”. If there is any discrepancy between these Terms and Conditions and the latest terms and conditions of the “A. Point Card Welcome Reward” and “A. Point Card Spending Reward” in the AlipayHK App, the latter shall prevail.
15. Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
16. Should there be any discrepancy or inconsistency between the English and the Chinese versions of the A. Point Card Reward Terms and Conditions, the English version shall prevail.
B: A. Point Card Welcome Reward Terms and Conditions
1. The “A. Point Card Welcome Reward” starts from 2 December 2024 until 31 March 2025 (both dates inclusive) (the “Welcome Reward Promotion Period”). The actual rewards to be received by the user shall be determined according to the time at which the user’s application for A. Point Card was approved. AlipayHK’s records and discretion in issuing the actual rewards shall prevail.
2.“A. Point Card Welcome Reward” is only applicable to users who have successfully applied for the A. Point Card for the first time and who have never redeemed any “Q Credit Card Welcome Reward” or “A. Point Card Welcome Reward” of AlipayHK via the AlipayHK App (“AlipayHK App”) (“Eligible Users”).
3. During the Welcome Reward Promotion Period, Eligible Users are required to log into their AlipayHK App to successfully apply for an A. Point Card to redeem the “A. Point Card Welcome Reward”.
4. During the Welcome Reward Promotion Period, upon successful approval of an A. Point Card application, the “A. Point Card Welcome Reward” include the following four (4) Rewards:
4.1 Welcome Reward of 500,000 A. Point (“Reward 1”)
Reward 1 includes 500,000 A. Point (“Bonus A. Point”) and will be stored in Eligible User’s A. Point account in AlipayHK App automatically upon successful approval of A. Point Card. For details on A. Point reward programme by AlipayHK, please refer to Section D below.
4.2 Physical Card Activation Reward of 200,000 A. Point (“Reward 2”)
Reward 2 includes 200,000 A. Point (“Bonus A. Point”) and will be automatically stored in A. Point account of an Eligible User within seven (7 working days after the physical A. Point Card is activated and the first payment with the physical card successfully completed. For details on A. Point reward programme by AlipayHK, please refer to Section D below.
4.3 Handling Fee Waiver Reward of HKD20,000 Bill Payment (“Reward 3”)
During the Welcome Reward Promotion Period, upon successful approval of the A. Point Card, an Eligible User will be automatically entitled to Reward 3 for either of scenario (i) or scenario (ii) below with a deduction of up to HKD 200 Handling Fee for the first eligible payment with A. Point Card via AlipayHK.
(i) First one-off payment with A. Point Card via AlipayHK App for up to HKD 20,000 Governmental Bill or
(ii) First 3-month instalment payment with A. Point Card via AlipayHK App for up to HKD 6,349 with any AlipayHK accepted merchants
Reward 3 in scenario (i) and scenario (ii) cannot be used conjunctionally. Reward 3 will be automatically applied to the Eligible User’s first Eligible Payment after card approval. Reward 3 is valid from the date of card approval to 30 April 2025, and is not transferable and non-exchangeable for cash.
4.4 Transport Saving Pass (“Reward 4”)
Upon successful approval of the A. Point Card, a set of Transport Saving Pass (consists of a HKD20 Uber Coupon, two HKD50 HK Taxi Coupon (AMAP), two HKD10 CN Taxi Coupon (AMAP), two HKD20 High Speed Rail/Train Coupon, two HK$4 HK EasyGO Coupon and HK$4 CN Ride Coupon) will be issued on a monthly basis to Eligible User’s AlipayHK account and stored in ‘Rewards’ page. Users can visit “Home” page in AlipayHK App and select “Reward” to read details of the respective coupons from Reward 4.
During the Welcome Offer Promotion Period, a total of 6 sets of Transport Saving Pass will be issued. The coupons of Reward 4 are only applicable to the transactions that made with A. Point Card via AlipayHK App. AlipayHK reserves the right to amend the combination and value of the coupons from time to time without prior notice. The coupons are valid for 30 days from the date of issuance and any expired vouchers shall be invalid and will not be reissued.
5. The “A. Point Card Welcome Reward” is only applicable to users who have successfully activated the A. Point Card in the AlipayHK App, linked to the AlipayHK App and selected the A. Point Card as the payment method when making payment. Reward 3 and 4 received from “A. Point Card Welcome Reward” are only applicable to transactions made with the A. Point Card in the AlipayHK App. Upon successful approval of the A. Point Card, the Rewards will be automatically applied in the applicable circumstances. The AlipayHK App must be updated to the latest version to enjoy the Rewards. The Bank and AlipayHK shall not be liable if users are unable to successfully redeem the relevant Reward and/or the relevant reward is lost due to any reason.
6. The A. Point Card Welcome Rewards may vary from time to time. The actual A. Point Card Welcome Reward to be received by an applicant will be based on the A. Point Card Welcome Reward offered at the time of the successful application, and not the date the application was made. Under no circumstances will AlipayHK reissue any past rewards.
C: Terms and Conditions of A. Point Card Spending Reward “”The Spending Promotion”)
1. Unless otherwise specified, the Spending Promotion starts from 2 December 2024 until 30 November 2025 (both dates inclusive) (The “Spending Promotion Period”).
2. During the Spending Promotion Period, every three (3) month period will be considered as one promotion Phase, as follows:
Phase 1: 2 December 2024 to 28 February 2025;
Phase 2: 1 March 2025 to 31 May 2025;
Phase 3: 1 June 2025 to 31 August 2025;
Phase 4: 1 September 2025 to 30 November 2025
3. To be eligible for the Spending Promotion, the A. Point Card or Q Credit Card (together referred as “Card(s)”) must be applied and approved on or before 30 November 2025. Cardholders are required to make a purchase with the Card(s) via the AlipayHK app (i.e. transactions description starting with “AlipayHK*”), physical Card(s) or Card(s) via mobile wallet during the Spending Promotion Period.
4. A. Point earned by the users will be immediately credited to their A. Point accounts after a successful payment. In some cases, the user’s A. Point balance may not be updated immediately, but AlipayHK will update the A. Point balance as soon as practicable.
5. (a) Details of A. Point Card Spending Reward:
Spending Method | Selected Spending categories | Rebate of A. Point | Total A. Point for each HKD1 Spending |
Spending via AlipayHK App (excluding any transactions made via Physical Card(s) or Card(s) via mobile wallet) | · Bill Payment· Transportations· Cross-border paymentFor details, please refer to Clause 5(b). | 18 A. Point for each HKD1 Spending (“Bonus A. Point”) | Total of up to 20X A. Point |
· Eligible SpendingFor details, please refer to Clause 5(c). | 2 A. Point for each HKD1 Spending (“Basic A. Point”) | ||
Spending via Physical Card(s) or Card(s) via mobile wallet (excluding any transactions made via AlipayHK App) | · Eligible Retail Spending stated in Clause 5(d) | 10 A. Point for each HKD1 Spending (“Bonus A. Point”) | 10X A. Point |
5(b) Selected Spending Categories for the Spending via AlipayHK App refers to using the Card(s) within AlipayHK App for Bill Payments, Transportations, and Cross-border payments (Cross-border merchants include retail branches of AlipayHK accepted merchants in Mainland China and overseas areas, as well as online shopping on Taobao, Pingduoduo and 1688 Mobile Application).
5(c) Eligible Spending for the Spending via AlipayHK App means all services provided by AlipayHK, including spending via online and physical merchants using Cards via AlipayHK App, excluding transfers and remittances.
5(d) Eligible Retail Spending for the Spending via Physical Card(s) or Card(s) via mobile wallet refers to retail transactions and Octopus Automatic Add-Value transactions made with the Card(s) but does NOT include the following:
i) any transfer/top up transaction from the Card account to any account as designated by the Bank from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System or using the FPS Services or services from non-card association and other digital payment account as may be made available by the Bank from time to time, insurance payment, bill payment transactions made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Services, 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 jewellery, according to the merchant codes issued by Visa International from time-to-time, cash advances, balance transfers, “Instalment Credit” amounts, “Credit-to-Cash Preferential Annual Rate” amounts, tax payment, financial charges and fees;
ii) any unposted, cancelled, refunded, falsified or unauthorised transactions.
6. A user can earn “Basic A. Point” up to 50,000 A. Point for a single transaction, 100,000 A. Point on a single day, and 500,000 A. Point in a single month. For spending via AlipayHK App, a user can earn “Bonus A. Point” up to 600,000 A. Point in each Phase above, and up to 2,400,000 A. Point for the entire Spending Promotion Period..
7. If any transaction for which the A. Point has been earned is subsequently cancelled or refunded, the A. Point earned from the transaction will be fully cancelled without prior notice to the user. If the user’s A. Point balance is insufficient at the time, the system will deduct the required A. Point amount, possibly resulting in a negative A. Point balance, and continue to deduct A. Point from the next transaction accordingly until reaching the total amount of A. Point to be recovered.
8. For products or services that are not within the scope of the programme, users cannot earn A. Point. AlipayHK reserves the right to modify the partners or participating merchants, items, “not within the scope of the programme”, and the quantity of Basic and Bonus A. Point at any time. The programme will provide notice of any major changes on the AlipayHK App.
9. The exact expiry date of Bonus A Points derived in Clause 5 will be stated under “Points Detail” in the AlipayHK App. A. Point must be used on or before the relative due date mentioned in the Table below and will not be extended or reissued. Unless otherwise specified, all A. points earned will generally be valid for 1 to 3 months in the table below.
Phase Period | A. Point Earning Period | Due date of A. Point Validity |
Phase 1 | 2 December 2024 to 28 February 2025 | 31 March 2025 |
Phase 2 | 1 March 2025 to 31 May 2025 | 30 June 2025 |
Phase 3 | 1 June 2025 to 31 August, 2025 | 30 September 2025 |
Phase 4 | 1 September 2025 to 30 November 2025 | 31 December 2025 |
D. The General Terms & Conditions of Using A. Point
1. Redeeming coupons:
a. Users can use their Basic A. Point balance to redeem coupons in the “A. Point Zone” of the AlipayHK App. The discount content, usage restrictions, validity period, maximum redemption quantity, and coupon type of the coupons are subject to the information and conditions provided in the “A. Point Zone” of the AlipayHK App. The partners of the programme have the right to change the relevant information and conditions from time to time, and this programme is not responsible for any liability to the user. Once coupon has been redeemed, A. Point cannot be refunded or exchanged.
b. Generally, Bonus A. Point are not eligible to be used for coupon redemption in “A. Point Zone” unless otherwise expressly stated.
2. Deducting payment amount:
a. When the user spends in the “Designated Scenario ” via AlipayHK, a minimum of 1000 A. Points can be used per transaction, which equivalent to a minimum of one (1) Hong Kong Dollar discount off the payment amount. Or every Basic 100 A. Points can be used as one (1) Hong Kong Dollar deduction when “purchasing designated coupons” or designated campaign (please note that Bonus A. Points are not eligible to be used for such deduction). Applicable rates may be adjusted for specific campaigns. For exact details, please check the payment page in the AlipayHK App.
b. A. Point will be deducted in chronological order of expiry, meaning that points with the earliest expiry date will be deducted first.
c. If any transaction that has used A. Point is subsequently cancelled or refunded, the deducted A. Point will be fully refunded to the user’s account, and the validity period of the refunded A. Point will remain the same.
d. When A. Point is used as payment deduction, in the “Designated Scenario”, the minimum amount of A. Point used in a single transaction is one hundred (100) A. Point. When “purchasing designated coupons”, the minimum amount of A. Point used in a single transaction is ten (10) A. Point.
e. Usage limits of A. Point: If the use of A. Point reaches the limit in a transaction, the remaining usable amount will be used for redemption. For example: in a transaction that does not involve the purchase of coupons, if a user has already used 999,900 A. Point on a single day, the user can only use a maximum of one hundred (100) A. Point for the next transaction on the same day.
f. Usage limits details:
Purchasing designated coupons:
· Single transaction usage limit: 500 A. Point.
· Daily usage limit: 10,000 A. Point.
· Monthly usage limit: 10,000 A. Point.
Designated scenario
§ Single transaction usage limit: 100,000 A. Point.
· Daily usage limit: 1,000,000 A. Point.
· Monthly usage limit: 30,000,000 A. Point.
3. Service Changes
3.1 Changes to A. Point: The programme reserves the right to change any content of A. Points at any time, including (but not limited to) any rewards, any gift certificates, any accumulation or redemption of A. Points, the operation or mode of operation of A. Points, cooperation Partners, etc. Please refer to the prevailing details as specified in the AlipayHK App.
3.2 Changes to terms and conditions: AlipayHK may update these terms at its discretion from time to time. Please refer to the prevailing terms and conditions as specified in the AlipayHK App. Continuous participation in this programme means an agreement to be bound by the prevailing terms and conditions.
4. Account Termination or Suspension
4.1 In reasonable circumstances, if AlipayHK believes that a user has violated any part of these terms and conditions, AlipayHK may suspend or terminate the user’s A. Point account (with or without notice), and/or recover any damages or losses incurred by AlipayHK or its partners as a result.
4.2 If the programme is terminated for any reason, A. Points not redeemed or awards not claimed by the programme termination date will be forfeited and will not be refunded.
4.3 Under reasonable circumstances, if AlipayHK believes that the user has violated any part of these terms, AlipayHK may suspend or terminate the user’s A. Point account (with or without notice), and/or recover AlipayHK or AlipayHK’s partner from the user any damages and losses suffered.
4.4 The user shall be responsible for providing accurate registration information and for keeping such information up to date in the event of changes. User shall bear all responsibility for: a) maintaining the confidentiality and security of the mobile device and security details; b) all transactions and activities that occur under user’s security details; and c) any and all consequences of use or misuse of user’s security details.
5. Disclaimer
5.1 Any type of data or content provided on the AlipayHK App is for general reference only. Users must assume the risks associated with participating in A. Point and using the AlipayHK App, users’ A. Point accounts, and users’ rewards.
5.2 AlipayHK will not make any representation, commitment, or warranty regarding the following:
a. The title, accuracy, completeness, currency, quality, merchantability or applicability of any data or content provided or executed in connection with A. Point, the AlipayHK App, users A. Point accounts, users’ personalised offers or anything related to the above.
b. The programme, the AlipayHK App, or users’ A. Point accounts will be uninterrupted, error-free, secure, timely or available, or that any errors or defects will be corrected.
6. Liability of AlipayHK
AlipayHK shall not be liable for any indirect, special, incidental, punitive, or consequential loss or damage suffered by the user, including negligence. To the maximum extent permitted by applicable law, for any loss or damage in connection with these terms, the AlipayHK mobile application, the user’s A. Point account, the user’s personalised offers, any products and services provided by AlipayHK’s partners ( including general, special, indirect, direct, symbolic, punitive, incidental or consequential loss or damage), AlipayHK will not be liable to the user in contract, tort (including negligence), breach of statutory obligations or otherwise, nor is it liable for any information, content, materials and/or services provided and performed in connection with it, whether or not AlipayHK has been advised of the possibility of such loss or damage in advance.
7. Link
7.1 The AlipayHK App and any electronic communications sent to users or materials provided to users online or digital manner may contain links to other websites, content or resources hosted, provided, or made available by third parties. Users understand and agree that AlipayHK:
a. has no control or monitoring rights over these third-party websites, content or resources;
b. makes no promises, representations or warranties and shall not be responsible for any such third-party websites, content or resources (or any products, goods or services promoted, referred to, or offered on such third-party websites or resources).
8. General terms
8.1 Under no circumstances can A. Point be redeemed for cash or any other form of refund. The use of A. Point and the exchange rate of related coupons are subject to AlipayHK’s discretion and may be adjusted.
8.2 If a user is found to have engaged in behaviours that violate the principle of good faith and credit, or if AlipayHK has reasonable suspicion that such behaviours have occurred, the user may be unable to obtain or use A. Point, or may only be able to obtain or use a portion of A. Point. If necessary, legal action may be taken against the user, including but not limited to the following behaviours:
a. Participating in A. Point through any improper means or by violating the principles of good faith and credit, such as colluding with other users or merchants, cheating to earn A. Point through the use of machines, or disrupting the order of the activity by taking advantage of promotions.
b. Engaging in any improper or fraudulent behaviour that violates the principles of good faith and credit to complete a transaction, such as false transactions, malicious refunds, splitting orders, and cashing out, which disrupts the order of the activity.
8.3 In the event of any violation of these terms and conditions, illegal, fraudulent or abusive behaviour, AlipayHK reserves the right to cancel all A. Point and coupons obtained by the user without prior notice. AlipayHK also has the right to cancel any transactions involving such violations and recover any losses from relevant users.
8.4 A. Point obtained by the user are subject to AlipayHK’s computer records. AlipayHK and our participating partners reserve the right to change, suspend or terminate this Programme and its Terms and Conditions at our sole discretion without prior notice. We shall not be liable for any such change, suspension or termination and reserves the right of final decision of all the matters and disputes.
8.5 If the event needs to be suspended due to government orders, serious network attacks, or system failures, it may be considered force majeure. AlipayHK shall not be responsible for any loss arising from such events.
8.6 These terms and conditions are governed by Hong Kong laws, and any disputes related to them shall be under the exclusive jurisdiction of Hong Kong courts.
8.7 If users have any questions about this promotion or the usage of AlipayHK’s services and promotions, please call AlipayHK customer service hotline at 2245 3201.