150000

Min. Annual Salary

0.8%

Cash back on local spend

$6 = 1 Mile

Miles Conversion (local spend)

All Details

• Key Features

  • Foreign currency transaction fee is waived for transaction made in China and abroad

  • Year-round travel insurance and overseas 2 airsim prepaid cards

  • Up to 3 times to Lounge Key airport lounges by spending HK$12,000 in total within two consecutive months

  • Buy 1 get 1 free at THE COFFEE ACADEMICS

UnionPay

• 5% Spending Rebate on UnionPay APP QR code payment (Promotion period from now till 31 August 2019)

• 25% Spending Rebate when monthly transaction amounts made with UnionPay Quick Pass reach HK$400 for designated Cross-border, the Mainland and Macau transportation

• Spending HK$3,000 can enjoy designated one-way airport limousine transfer services at HK$250

Welcome Offers

• Up to HK$200 rebate by accumulating spending of at least $4,500 within 3 months of card issuance date or

• Up to HK300 rebate by accumulating spending of at least $6,000 within 3 months of card issuance date or

• Hedgren Backpack in luggage open style with pouch or

• HK$388 Cross Border Dual-Number Prepaid Sim & HK$500 Standalone Handset Cash Coupon or

• Up to HK$50,000 Interest Free Cash Instalment

Best Credit Cards

• Year-round travel insurance and overseas 2 airsim prepaid cards

• up to 3 times to Lounge Key airport lounges by spending HK$12,000 in total within two consecutive months

• Buy 1 get 1 free ticket offer at CINEMA CITY

Annual Interest Rate and Fees

Annual Principal Fee	N/A
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Interest Free Period	Up to 55 Days
Annual Interest Rate	34.49%
Late Payment Fees	Min HK$250
Minimum Monthly Repayment	1% of monthly payment + fees
Foreign Currency Transaction Fee	N/A
Foreign Check Fee	N/A
Cash Advance Transaction Fee	3.5% of cash amount or min HK$70
Overlimit Fee	N/A

Minimum Income Requirements

Local Resident	HK$150,000
Foreigner	HK$150,000

Card Association

UnionPay