^HK$150,000

Min. Annual Salary

N/A

Cash back on local spend

HK$6 = 1 mile

Miles Conversion (local spend)

All Details

• Key Features

  • First 2 years annual fee waiver

  • Auto conversion to FWC points without handling fee

  • Complimentary access to Hong Kong Airlines Lounges for 5 times each year

  • Enjoy 50% FWC Points Redemption on selected destinations

  • KKday exclusive offers

Overseas Spending

• Complimentary access to Hong Kong Airlines Lounges 5 times per year
• 50% off selected Hong Kong Airline flight tickets
• 5% off inflight duty free discount
• Enjoy discount on designated KKday products through applying the promo code at KKday designated website

Air Miles

• Foreign transaction: HK$4 = 1 FWC Point
• Local transaction: HK$6 = 1 FWC Point
• Auto conversion without handling fee

Best Credit Cards

• First 2 years annual fee waiver
• Auto conversion to FWC points without handling fee
• Complimentary access to Hong Kong Airlines Lounges

Annual Interest Rate and Fees

Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$800
Fee Waiver	N/A
Annual Interest Rate	35.70%
Late Payment Fees	5% of minimum repayment (min. HK$230, max. HK$280)
Minimum Monthly Repayment	HK$230 or 1% of statement balance (whichever is higher)
Foreign Currency Transaction Fee	N/A
Foreign Check Fee	N/A
Cash Advance Transaction Fee	4% of each transaction + HK$20 (min. HK$100)
Overlimit Fee	N/A

Minimum Income Requirements

Local Resident	HK$150,000

Card Association

Visa

Wireless Payment

Visa payWave