Standard Chartered HK Debt Consolidation Loan Referral: HK$1,000 Cash Rebate
Apply for a Standard Chartered Hong Kong debt consolidation loan (結餘轉戶計劃) through this referral link, which attaches referral code A3872270. Standard Chartered's referral terms list a HK$1,000 cash rebate for a referred borrower who borrows at least HK$200,000 over 36 months or more and draws the loan within 3 months, but the loan section still carries out-of-date drawdown dates, so confirm the rebate with the bank before applying. APR ranges from 4.67% to 36%. Only borrow to clear debt you can repay: 借定唔借？還得到先好借！
Read our full review · 2.9/5 →Quick answer
Use code A3872270 for the Standard Chartered Hong Kong (渣打銀行) offer. New eligible customers can get HK$1,000 after meeting the requirement: Loan of at least HK$200,000 over 36 months or more, drawn within 3 months, for the HK$1,000 referral rebate. Last verified 2026-10-09.
- Reward
- HK$1,000
- Referral code
A3872270- Last verified
- 2026-10-09
- Difficulty
- Hard
- Time to claim
- 15-20 minutes to apply, plus approval and drawdown
- Time to payout
- After drawdown, per Standard Chartered's referral terms; confirm timing with the bank
A3872270Ad / referral links — we may earn a bonus when you sign up.
How to claim
- First check that consolidating lowers your total cost: compare the APR you are offered with the debts it would repay, including fees and the longer term.
- Tap Claim on this page. Standard Chartered's referral page opens with referral code A3872270 attached; apply from there. The referral record cannot be changed after you submit.
- For the HK$1,000 referral rebate, borrow at least HK$200,000 over at least 36 months and draw the loan within 3 months.
- Before you sign, ask Standard Chartered to confirm that the referral rebate applies to your loan, because the loan section of the referral terms has not been updated for the current period.
Eligibility & requirements
- The referral programme runs 2 July 2026 – 1 January 2027, but its loan section still names a drawdown deadline of 1 July 2026. The bank's confirmation controls.
- APR from 4.67% to 36%, repayment over 12 to 84 months. The amount depends on your income and the bank's assessment; approval is not guaranteed.
- For new clients with no Standard Chartered credit card or loan when applying, the HK$1,000 adds to the bank's basic and new-client rebates, but not to other offers.
- Standard Chartered runs separate cash-rebate campaigns for debt consolidation with their own terms; repaying early can trigger a clawback.
- A loan adds to your debt, and missed repayments damage your credit record. 借定唔借？還得到先好借！
Verification notes
- Minimum spend/deposit
- Loan of at least HK$200,000 over 36 months or more, drawn within 3 months, for the HK$1,000 referral rebate
- Last verified
- 9 October 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- HK$1,000 cash rebate listed for referred borrowers
- Can merge several card balances into one monthly repayment
- Repayment terms up to 84 months
Watch out for
- APR can be as high as 36%
- The rebate needs HK$200,000 borrowed over 36 months or more
- Loan dates in the referral terms are out of date
- A longer term can cost more interest overall
FAQ
- Is a debt consolidation loan a good idea?
- Only if its APR is lower than the debts it repays and you stop adding new card debt. Compare the total cost over the whole term, not just the monthly repayment.
- Is the HK$1,000 rebate confirmed?
- Standard Chartered's current referral terms list it, but the loan section still carries old drawdown dates. Ask the bank to confirm before you apply.
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