We found 37 Credit Cards for you!
Sponsored
MoneySmart Exclusive
Unlimited cashback
- Min. Annual Salary
- HK$96,000
- Cash back on overseas spend
- 2%
- Cash back on local spendHow to earn 1.5% cash rebate?You can earn 1.5% cashback by spending in HKD with this credit card. Note that digital wallets like O! ePay, bill payment, and other common ineligible transactions are not counted.
- 1.5%
MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 31 Jul 2020.
Cash Back Features
- Unlimited cash rebate with no minimum spending
- 1.5% Cash Rebate on local currency spending
- 2% Cash Rebate on foreign currencies spending
- 1.5% rebate on online shopping and automatic add value service of Octopus Card
Annual Interest Rate and Fees
| Annual Interest Rate | 33.41% |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 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 |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$96,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
MoneySmart Exclusive
Earn 2% cashback from Octopus AAVS
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- 2%
- Cash back on local spendDoes the 2% cash rebate have a cap?Yes, the 2% cashback of this credit cards is constituted of 1% basic rebate and 1% extra rebate, and you can only earn maximum HK$2,000 cashback, which means only the first HK$200,000 spend is eligible for the 2% cash rebate.
- 2%
MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.
Promotions
- Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Cash Back Features
- Up to 2% Cash Rebate for all purchases (applies to all merchant categories)
- Automatic Add Value Service in Octopus Card also have up to 2% cashback
- Welcome Offer: HK$670 Cash Rebate (included the extra up to 2% cash rebate)
- Extra HK$100 cash rebate for successful application through MoneySmart
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass | |
|---|---|
| Apple Pay |
MoneySmart Exclusive
Earn cashback from digital wallets
- Min. Annual Salary
- HK$240,000
- Cash back on overseas spend
- 2%
- Cash back on local spendHow to get the 2% cashback?The unlimited 2% cashback is only counting local dining and hotel spending. Note that spending like banquets, private room events and other transactions are ineligible for this reward. Other local transactions can earn 1% basic cashback.
- 2%
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Promotions
- Welcome offer：Afternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate
Cash Back Features
- 2% cash rebate on local dining spending
- 2% cash rebate on local hotel spending
- 1% cash rebate on other spending in local currency
- 1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
- 2% cash rebate on online or overseas
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
Card Association
| Mastercard |
|---|
Welcome Offer
Get 4% cash rebate on designated categories
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- 0.4%
- Cash back on local spendWhat are the eligible categories?The eligible categories for the 4% cashback reward are the designated merchants of travel, cinema, karaoke, and theme park. Other local spend can earn basic cashback of 0.4%.
- 4%
Welcome Offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program Valid till 28 Feb 2021.
Promotions
- Successful application through MoneySmart: Extra HK$100 cash rebate
Cash Back Features
- Basic Cash Rebate: Every HK$250 spending rebates HK$1
- Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
- WeWa Credit Card brings you the “Spot N Win II” lucky draw where you can win fabulous prizes after (Weward) OR before (Preward) using your WeWa credit card. From 1 March 2020 to 31 August 2020, you are guaranteed to win a prize, such as 100% off on a single transaction with the “Spot N Win II” lucky draw through the OmyCard App, and will also automatically gain an entry of our Grand Lucky Draw and may win a prize of HK$100,000 WeWa Credit Card spending credit! (Trade Promotion Competition Licence Number: 53166-71)
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass | |
|---|---|
| Apple Pay |
MoneySmart Exclusive
High cash rebates for designated categories
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spendHow to calculate 3.2% cash rebate?We took the highest point conversion you can earn from this card, which is 8x points, to calculate. The basic cashback of this card is 0.4%, meaning you can earn maximum 0.4% x 8 = 3.2% rebate.
- 3.2%
MoneySmart Exclusive: 【Limited Offer! Buy the Big Hit Dyson Electronics】HK$1,500 Sogo coupon, Extra HK$150 voucher apply via MoneySmart! Valid till 16 Jul 2020.
Cash Back Features
- Enjoy 5X rewards points all year round (HK$3 = 1 mile) and 8X rewards points during your birthday month (HK$1.875 = 1 mile) at selected merchants, including autopay of telecommunication bill payments
- Supermarket: Wellcome, Park'n Shop, AEON, HKTVmall & city' super
- Department Stores: AEON, Wing On, SOGO, Lane Crawford & FACES
- Telecom Providers: csl., Smartone, 3, SUN Mobile ＆HKT
- Points that never expire, redeem designated cash coupons (McDonald's, Pizza Hut, Starbucks & IKEA), movie tickets (MCL Cinema) & air miles at Citi ThankYou Rewards online or instantly offset spending anytime with Citi Pay with Points
- 250 Points = Instantly offset HK$1 spending
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Foreigner | HK$60,000 |
|---|
MoneySmart Exclusive
Up to 50% savings at designated restaurants
- Min. Annual Salary
- HK$300,000
- Cash back on overseas spend
- 1％
- Cash back on local spendHow to get 1% cash back?Earn 3 points for every HK$1 spent with this credit card, you can then use Pay with Points to offset your card bill with the redemption rate of HK$1 for every HK$300.
- 1％
MoneySmart Exclusive: HK$400 Cash coupon upon Card Approval Valid till 31 Jul 2020.
Cash Back Features
- HK$100 cash back for hotel bookings at Expedia.com.hk
- Receive a maximum cash back of HK$500 per quarter as part of the Expedia offer Cash back will be credited to account within 3 - 5 days after eligible Expedia purchases are posted
- Offset future credit card spending with American Express Reward Points (300 points = HK$1 rebate)
- Enjoy discount offer on designated merchants such as Pricerite.com.hk. South China Morning Post, Fotomax, Pure Yoga and Dr. Martens, etc
Annual Interest Rate and Fees
| Annual Interest Rate | 36.07% |
|---|---|
| Annual Principal Fee | HK$2,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
| Interest Free Period | N/A |
Minimum Income Requirements
| Local Resident | HK$300,000 |
|---|
Card Association
Wireless Payment
MoneySmart Exclusive
Unlimited 1.2% Cashback
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 1.2%
- Cash back on local spendIs there a cap for the 1.2% cash back?No, you can get unlimited 1.2% cash back on local, overseas and online spending with this credit card. Note that no cashback will be earned in bill payment.
- 1.2%
MoneySmart Exclusive: HK$200 Cashback and HK$150 cash coupon upon Card Approval, Successfully applied through MoneySmart: Extra HK$150 cash Coupon Valid till 31 Jul 2020.
Cash Back Features
- 1.2% cash back on local and online spending
- 1.2% cash back on overseas spending
- HK$600 bonus cash back by spending HK$6,000 or more in the first 2 months
- Cash back will be automatically credited to the cardholder's account
Annual Interest Rate and Fees
| Annual Interest Rate | 37.68% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
Wireless Payment
Bank Promo
Get 5% cash dollars rebate on designated spending
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 5%
- Cash back on local spendHow can I earn 5% cash back?Upon monthly eligible transactions amount of HK$3,000 with this credit card, you can enjoy 5% cash dollars rebate for designated mobile payment, online and overseas spending made in that month.
- 5%
Bank Promo: 【Summer Offer】Enjoy up to $3,450 Cash Dollars! Valid till 30 Aug 2020.
Cash Back Features
- 5% Cash Dollars rebate in selected mobile payment spending transaction (Local Dining, Fashion and Entertainment)
- 5% Cash Dollars rebate in overseas transaction
Annual Interest Rate and Fees
| Annual Interest Rate | 34.97% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment Amount is HK$300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii). |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
| Mastercard |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 4%
- Cash back on local spend
- 4%
Cash Back Features
- Starting from the month of successful registration, upon accumulating eligible monthly retail spending on local, online shopping or overseas transactions of designated amount with your registered Hang Seng Credit Card, you can earn up to 4% Cash Dollars Rebate on the eligible spending made in designated categories in that month.
Annual Interest Rate and Fees
| Annual Interest Rate | 38.37% |
|---|---|
| Annual Principal Fee | HK$1,500 |
| Fee Waiver | |
| Minimum Monthly Repayment | "The Minimum Payment Amount is HKD300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii)." |
| Interest Free Period | Up to 56 days |
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
MoneySmart Exclusive
Complimentary Plaza Premium Lounge access
- Min. Annual Salary
- HK$300,000
- Cash back on overseas spend
- N/A
- Cash back on local spend
- N/A
MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 31 Jul 2020.
Cash Back Features
- Enjoy discount offer on designated merchants such as Pricerite.com.hk. South China Morning Post, Fotomax, Pure Yoga and Dr. Martens
- Return Guarantee, 45 Days Cover, Extended Warranty, Price Protection, Online Fraud Protection Guarantee
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit |
Minimum Income Requirements
| Local Resident | HK$300,000 |
|---|---|
| Foreigner | HK$300,000 |
Card Association
Wireless Payment
Welcome Offer
Get 20% discount at lookfantastic
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 1%
- Cash back on local spendIs there a limit on 1% cash rebate?No, you can earn unlimited 1% cash back on local and overseas retail spending, cash advance and Octopus AAVS with this credit card.
- 1%
Welcome Offer: Get HK$800 cash rebate or Portable Air Purifier or up to HK$36,000 cash loan with no interest and handling fee with first 2-year annual fee waiver Valid till 30 Sep 2020.
Cash Back Features
- Unlimited 1% cash rebate on local and overseas spending
- 1% cash rebate on Octopus reload amount
- Up to 50% off on designated vouchers and travel products at KKday
- 12% off hotel booking at Expedia
- Up to 35% premium discount on "JourneySure" Travel Insurance Plan, extra 5% premium cash rebate via online enrollment and HK$50 supermarket coupon for discounted premium of HK$300 or above under the same policy
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | First 2-year |
| Minimum Monthly Repayment | (i) If the Monthly Statement Balance is HK$/RMB200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$/RMB200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$/RMB200, the minimum payment will be the Monthly Statement Balance |
| Interest Free Period | Up to 60 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 4%
- Cash back on local spend
- 4%
Cash Back Features
- Starting from the month of successful registration, upon accumulating eligible monthly retail spending on local, online shopping or overseas transactions of designated amount with your registered Hang Seng Credit Card, you can earn up to 4% Cash Dollars Rebate on the eligible spending made in designated categories in that month.
Annual Interest Rate and Fees
| Annual Interest Rate | 38.37% |
|---|---|
| Annual Principal Fee | HK$1,500 |
| Fee Waiver | |
| Minimum Monthly Repayment | "The Minimum Payment Amount is HKD300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii)." |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
Welcome Offer
8% discount at Watsons and ParknShop
- Min. Annual Salary
- HK$100,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spendWhat are the eligible categories?Enjoy 1% COMPASS Dollar rebate at designated merchants in Hong Kong and Macau with this credit card, including but not limited to Parknshop, Watsons and Fortress.
- 1%
Welcome Offer: Get up to HK$400 “InstaRedeem” Amount or Le Maurice® Suitcase or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers Valid till 31 Jul 2020.
Cash Back Features
- Enjoy Flexi Shopping 6/12-month interest-free instalment
- ParknShop and Watsons 8% discount promotion on designated day
- Earn up to 1% COMPASS Dollar Rebate
- 8% Instant Discount - over 6 major consumer spending categories and 4 of Hong Kong’s top retailers
- Extra HK$200 cash rebate for successful application via MoneySmart
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | 1% of monthly balance + fees |
Minimum Income Requirements
| Local Resident | HK$100,000 |
|---|---|
| Foreigner | HK$100,000 |
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
MoneySmart Exclusive
Free travel insurance and airport lounges access
- Min. Annual Salary
- HK$240,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 3.2%
MoneySmart Exclusive: 【Limited Offer! Buy the Big Hit Dyson Electronics】HK$1,500 Sogo coupon, Extra HK$150 voucher apply via MoneySmart! Valid till 16 Jul 2020.
Cash Back Features
- Redeem designated cash coupons (McDonald's, Pizza Hut, Starbucks & IKEA), movie tickets (MCL Cinema) & air miles
- 250 Points = Instantly offset HK$1 spending
- Points that never expire
- Convert Citi points to MoneyBack points (no fee for converting)
- 25,000 Citi points = 5,000 MoneyBack points
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$360,000 |
Card Association
| Mastercard |
|---|
MoneySmart Exclusive
Free Marco Polo Club green tier membership
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- N/A
- Cash back on local spend
- N/A
MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 31 Jul 2020.
Cash Back Features
- Enjoy discount offer on designated merchants such as Pricerite.com.hk, South China Morning Post, Fotomax, Pure Yoga and Dr. Martens etc.
- Return Guarantee, 45 Days Cover, Extended Warranty, Price Protection, Online Fraud Protection Guarantee
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
Wireless Payment
MoneySmart Exclusive
Up to 15% bus fare rebate
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 0.5%
- Cash back on local spend
- 0.5%
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Promotions
- HK$500 Cash Rebate
Cash Back Features
- 0.5% cash back
- Enjoy 15% KMB, LWB, CTB and NWFB Bus Fare Rebate
- Earn Octopus Reward$ when you spend at designated merchants
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.5% of statement balance + fees. For more info, view T&C |
| Interest Free Period | 58 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
| Visa |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 4%
- Cash back on local spend
- 4%
Cash Back Features
- Starting from the month of successful registration, upon accumulating eligible monthly retail spending on local, online shopping or overseas transactions of designated amount with your registered Hang Seng Credit Card, you can earn up to 4% Cash Dollars Rebate on the eligible spending made in designated categories in that month.
Annual Interest Rate and Fees
| Annual Interest Rate | 38.37% |
|---|---|
| Annual Principal Fee | HK$1,500 |
| Fee Waiver | |
| Minimum Monthly Repayment | "The Minimum Payment Amount is HKD300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii)." |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Unionpay |
|---|
Up to 25% discount at I.T
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 1.2%
- Cash back on local spend
- 1.2%
Cash Back Features
- 1.2% cash back on local and online spending
- 1.2% cash back on overseas spending
- 2% cashback at I.T
- Up to 15% savings at selected I.T stores
- Up to 25% savings at selected I.T stores as birthday month privileges
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | 150000% |
Card Association
Wireless Payment
MoneySmart Exclusive
3 Complimentary airport lounges access per year
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 2%
MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.
Promotions
- Welcome offer: HK$200 Cash Rebate (equivalent to 10% Cash Rebate ) or OTO Back Snuggle or Panasonic Air Purifier
Cash Back Features
- Up to 2% Cash Rebate for all purchases (applies to all merchant categories)
- Automatic Add Value Service in Octopus Card also have up to 2% cashback
- Get HK$500 cashback as a welcome offer
- Extra HK$100 cash rebate for successful application through MoneySmart
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass | |
|---|---|
| Apple Pay |
Welcome Offer
Buy-1-Get-1-Free UA movie tickets on Friday
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- 4%
- Cash back on local spend
- 4%
Welcome Offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate Valid till 28 Feb 2021.
Promotions
- Successful application through MoneySmart: Extra HK$100 cash rebate
Cash Back Features
- Basic Cash Rebate: Every HK$250 spending rebates HK$1
- Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
- WeWa Credit Card brings you the “Spot N Win II” lucky draw where you can win fabulous prizes after (Weward) OR before (Preward) using your WeWa credit card. From 1 March 2020 to 31 August 2020, you are guaranteed to win a prize, such as 100% off on a single transaction with the “Spot N Win II” lucky draw through the OmyCard App, and will also automatically gain an entry of our Grand Lucky Draw and may win a prize of HK$100,000 WeWa Credit Card spending credit! (Trade Promotion Competition Licence Number: 53166-71)
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass | |
|---|---|
| Apple Pay |