We found 36 Credit Cards for you!
Sponsored
- Min. Annual Salary
- HK$96,000
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 1.5%
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
- 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$300 cash rebate Valid till 14 May 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) + HK$100 rebate for online application
- Extra HK$300 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 |
- Min. Annual Salary
- HK$240,000
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 2%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Promotions
- Welcome offer up to HK$1,000 cash rebate Or 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 |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 3.2%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 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
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- 0.40%
- Cash back on local spend
- 4%
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate. Valid till 14 May 2020.
Promotions
- Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or HK$500 Cash Rebate or Ocean Park SmartFun Annual Pass (Gold Pass)
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
- Min. Annual Salary
- HK$300,000
- Cash back on overseas spend
- 1％
- Cash back on local spend
- 1％
MoneySmart Exclusive: HK$400 Cash coupon upon Card Approval Valid till 30 Jun 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
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 1.5%
- Cash back on local spend
- 1％
Cash Back Features
- 1% enJoy Dollars rebate (HK$200 = $2 enJoy Dollars) at designated merchants (e.g. IKEA, 7-Eleven)
- 0.5% Cash Dollars rebate (HK$200 = $1 Cash Dollar) at non-designated merchants
- Up to 2.4% Cash Dollars rebate for eligible overseas spending + Up to 1.2% Cash Dollars rebate for eligible online shopping spending
- Accumulated enJoy Dollars and Cash Dollars can be used as cash for next purchase at designated merchants
- Designated merchants exclusive year-round discount offers
Annual Interest Rate and Fees
| Annual Interest Rate | 34.97% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | The Minimum Payment Amount is HK$230 / CNY230 (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
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
MoneySmart Exclusive
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 1.2%
- Cash back on local spend
- 1.2%
MoneySmart Exclusive: HK$200 Cashback upon Card Approval, Successfully applied through MoneySmart: Extra HK$150 cash Coupon Valid till 30 Jun 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
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 4.4%
- Cash back on local spend
- 4.4%
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 | N/A |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
| Mastercard |
|---|
MoneySmart Exclusive
- 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 30 Jun 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
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 1%
- Cash back on local spend
- 1%
Promotions
- Welcome offer: up to HK$900 cash rebate or Samsonite VARRO 28" Luggage
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 |
|---|
MoneySmart Exclusive
- Min. Annual Salary
- HK$100,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 1%
MoneySmart Exclusive: HK$200 HKTV Mall Voucher! Valid till 09 Apr 2020.
Promotions
- Welcome gift: HK$400 PARKnSHOP “InstaRedeem” Amount/ HK$300 any merchant “InstaRedeem” Amount/Le Maurice® ALUMETAL 26” Suitcase/ Dyson Supersonic™ hairdryer HD01 Pink at the discounted price HK$2,700/ 6 MCL movie ticket vouchers Valid till 30 April 2021.
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 |
|---|
- Min. Annual Salary
- HK$240,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 3.2%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Promotions
- Welcome offer up to 9,000 Miles (108,000 Points) Or 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
- 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
- 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 30 Jun 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
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 0.5%
- Cash back on local spend
- 0.5%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Promotions
- HK$200 Cash Rebate welcome offer
Cash Back Features
- 0.5% cash back
- Enjoy 15% KMB, LWB, CTB and NWFB Bus Fare Rebate
- Earn Octopus Reward$ 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$60,000
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 0.4%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Promotions
- Welcome offer up to HK$800 supermarket cash coupon or HK$700 Sogo Gift Certificate or Afternoon tea set for two persons at Mandarin Oriental
- Student welcome offer up: HK$200 cash rebate
Cash Back Features
- Up to 2% cash rebate on online foreign currency spending
- 0.4% basic cash rebate for local or foreign currency spending
- 1.6% additional cash rebate for online foreign currency spending
- 10% off Citi Studio 4DX movie tickets
- Buy-1-get-1-free 3D / 2D movie tickets every Friday to Sunday at Cinema City Langham Place and Cinema City Victoria
- 12% off 3D / 2D / Atmos (if applicable) movie tickets at Cinema City Langham Place, Cinema City Chai Wan, Cinema City JP, Candy Park by Cinema City and Cinema City Victoria
- 10% off concessions items
- Priority booking on entertainment shows
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$180 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.50% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
- 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
- Min. Annual Salary
- HK$0
- Cash back on local spend
- 2%
- Miles Conversion (local spend)
- N/A
MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$300 cash rebate Valid till 14 May 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$300 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
- Min. Annual Salary
- HK$0
- Cash back on local spend
- 4%
- Miles Conversion (local spend)
- N/A
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate. Valid till 14 May 2020.
Promotions
- Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or HK$500 Cash Rebate or Ocean Park SmartFun Annual Pass (Gold Pass)
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 |
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- N/A
- Cash back on local spend
- N/A
Cash Back Features
- Members can enjoy 5% credit purchase discount* at AEON on "Thanksgiving Days" (2nd & 20th of every month)
- Enjoy more savings all year-round with the "AEON Member Price"
- New customer is entitled to earn 2% cash rebate on the first HK$25,000 spending (maximum HK$500 rebate) the first 60 days after the card approval and issuance.
Annual Interest Rate and Fees
| Annual Interest Rate | 31.59% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Permanent Annual Fee Waiver |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
- Min. Annual Salary
- HK$360,000
- Cash back on overseas spend
- 5.6%
- Cash back on local spend
- 3.6%
Cash Back Features
- Earn up to 5.6% RewardCash rebate by registering for “Red Hot Rewards of Your Choice” and “Red Hot Online & Overseas Spending Rewards”
Annual Interest Rate and Fees
| Annual Interest Rate | 37.75% |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | HK$1,000 |
| Fee Waiver | |
| Minimum Monthly Repayment | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher. |
| Interest Free Period | 56 days |
Minimum Income Requirements
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
Card Association
| Visa |
|---|
- Min. Annual Salary
- HK$360,000
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 1%
Cash Back Features
- Rebate on local spending: 1%
- Rebate on spending in foreign currencies: 2%
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 days |
Minimum Income Requirements
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
Card Association
| Visa |
|---|
- Min. Annual Salary
- HK$120,000
- Cash back on Online purchases
- 4%
- Cash back on Supermarket purchases
- 2%
Cash Back Features
- Enjoy unlimited instant rewards with no restrictions
- 4% RewardCash for online transaction
- 2% RewardCash for local supermarket transaction
- 1% RewardCash for other local and overseas transaction
Annual Interest Rate and Fees
| Annual Interest Rate | 36.43% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | |
| Minimum Monthly Repayment | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher. |
| Interest Free Period | 56 days |
Minimum Income Requirements
| Local Resident | HK$120,000 |
|---|---|
| Foreigner | HK$120,000 |
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
Cash Back Features
- 2% unlimited cash rebate for local dining and overseas spending in the first year
- 0.55% cash rebate after the first year
- Spending of HK$180 = HK$1 basic rebate
- 57 days of interest-free repayment period
Annual Interest Rate and Fees
| Annual Interest Rate | 34.49 |
|---|---|
| Annual Principal Fee | HK$1,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | 1% of monthly payment + fees |
| Interest Free Period | Up to 57 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 0.4%
Cash Back Features
- Every HK$250 spent = HK$1 cashback
- Applies to retail spending, Autotoll automatic top-up or Octopus AAVS
- Cash rebate will be credited in the next statement balance
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | |
| Minimum Monthly Repayment | Balance over HK$200: all charges plus 1% of total outstanding balance; under HK$200: the statement balance |
| Interest Free Period | 60 Days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass |
|---|
- Min. Annual Salary
- HK$300,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 5%
Cash Back Features
- Every HK$1 spending =1 point
- Can be accumulated and combined with other points generated by other BOC credit cards
- Points can be redeemed for cash rebate, vouchers and miles
- Every 25,000 points = HK$100 gift vouchers
- Every 250 points = HK$1 off, applicable to over 3,000 stores
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | HK$1,000 |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$230 or 1% of statement balance (whichever is higher) |
Minimum Income Requirements
| Local Resident | HK$300,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
- Min. Annual Salary
- HK$200,000
- Cash back on overseas spend
- 4%
- Cash back on local spend
- 4%
Cash Back Features
- With UnionPay Mobile QuickPass transaction/ Mobile Payment transaction, enjoy 4% Cash Rebate
- 4% Cash Rebate is appliable to transactions in Hong Kong, Mainland China, and overseas
- Earn up to HK$100 rebate in the 4% Cash Rebate scheme
- Every RMB￥1 / HK$1 spending = 1 point
- Earn points from retail spending, cash before card service, autopay or Octopus AAVS
- 250 points = HK$1 cash rebate
Annual Interest Rate and Fees
| Annual Interest Rate | 36.70% |
|---|---|
| Annual Principal Fee | HK$3,800 |
| Supplementary Annual Fee | HK$1,900 |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | HK$230 or 1% of statement balance (whichever is higher) |
Minimum Income Requirements
| Local Resident | HK$200,000 |
|---|
Card Association
| Unionpay |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 0.4%
Cash Back Features
- HK$1 = 1 point for FWD insurance premium payment
- Pay your FWD insurance with DDA service to earn points
- 25,000 points = HK$100 cash rebate
- 2X bonus point for medical expenses
Annual Interest Rate and Fees
| Annual Interest Rate | 34.49% |
|---|---|
| Annual Principal Fee | HK$1,000 |
| Supplementary Annual Fee | HK$500 |
| Fee Waiver | |
| Minimum Monthly Repayment | 1% of the statement balance or HK$200 (whichever is higher) |
| Interest Free Period | 55 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Unionpay |
|---|
- Min. Annual Salary
- HK$250,000
- Cash back on overseas spend
- 0.5%
- Cash back on local spend
- 0.5%
Cash Back Features
- HK$1 = 0.5% cashback
- No handling fee needed. Rebate amount will be automatically converted every month
- Cardholders can only choose either cashback or air miles
Annual Interest Rate and Fees
| Annual Interest Rate | 36.76% |
|---|---|
| Annual Principal Fee | N/A |
| Supplementary Annual Fee | HK$950 |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | HK$50 |
| Interest Free Period | Up to 55 days |
Minimum Income Requirements
| Local Resident | HK$250,000 |
|---|
Card Association
| Mastercard |
|---|
- Min. Annual Salary
- HK$250,000
- Cash back on overseas spend
- 1.5%
- Cash back on local spend
- 1%
Cash Back Features
- Enjoy up to 1.5% unlimited cash rebate
- Cash rebate will be credited to cardholder's account automatically
- No extra conversion steps required
Annual Interest Rate and Fees
| Annual Interest Rate | 31.89% |
|---|---|
| Annual Principal Fee | HK$1,000 |
| Supplementary Annual Fee | HK$500 |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 |
| Interest Free Period | 55 Days |
Minimum Income Requirements
| Local Resident | HK$250,000 |
|---|---|
| Foreigner | HK$250,000 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass |
|---|
- Min. Annual Salary
- HK$250,000
- Cash back on overseas spend
- 1.5%
- Cash back on local spend
- 0.5%
Cash Back Features
- Enjoy 0.5% rebate for local spending
- Enjoy 1% rebate for LINE FRIENDS Store Hong Kong spending
- Enjoy 1.5% rebate for overseas spending
Annual Interest Rate and Fees
| Annual Interest Rate | 31.89% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | HK$900 |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 |
Minimum Income Requirements
| Local Resident | HK$250,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 3%
Cash Back Features
- Rebate on local spending: 1%
- Rebate on spending in foreign currencies: 2%
- Rebate on designated spending: 3%
- Apply now through MoneySmart to get extra HK$200 cash rebate
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 | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Visa |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 4.4%
- Cash back on local spend
- 2.4%
Cash Back Features
- Earn up to 4.4% RewardCash rebate by registering for “Red Hot Rewards of Your Choice” and “Red Hot Online & Overseas Spending Rewards”
Annual Interest Rate and Fees
| Annual Interest Rate | 37.75% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | HK$900 |
| Fee Waiver | |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 56 Days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
- Min. Annual Salary
- HK$40,000
- Cash back on overseas spend
- 4.8%
- Cash back on local spend
- 7.8%
Cash Back Features
- Up to 3% i-Dollar rebate on online spending
- Up to 4.8% cash rebate on other spending categories
- Enjoy extra 4.4% rebate on selected category on “BEA Days” every day when you have accumulated spending of HK$1,000 in any month
- Every HK$250 in retail spending = HK$1 cash rebate
- Up to $40 cash rebate every month for transactions made under the Government Department categories and for top up through the Octopus Automatic Added Value Service
Annual Interest Rate and Fees
| Annual Interest Rate | 36.43% |
|---|---|
| Annual Principal Fee | HK$600 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance + fees |
| Interest Free Period | 56 days |
Minimum Income Requirements
| Local Resident | HK$40,000 |
|---|
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
- Min. Annual Salary
- HK$150,000
- Cash back on overseas spend
- 0.4%
- Cash back on local spend
- 0.4%
Cash Back Features
- Easily convert 360° Rewards Points to cash on your credit card statement
- 10% off on à la carte menu at designated restaurants including BLT Steak、maze Grill and Bombay Dreams
- 15% off upon a single net spending of HK$400 with promo code “SCB2020” on ZALORA
- No expiry of 360° Rewards Points
Annual Interest Rate and Fees
| Annual Interest Rate | 33.41% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| 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 HKD/CNY220, whichever is higher |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Mastercard | |
|---|---|
| Visa |
- Min. Annual Salary
- HK$60,000
- Cash back on overseas spend
- 2.4%
- Cash back on local spend
- 2.4%
Cash Back Features
- Earn up to 4.4% RewardCash rebate by registering for "Red Hot Rewards of Your Choice" and "Red Hot Online & Overseas Spending Rewards"
Annual Interest Rate and Fees
| Annual Interest Rate | 37.75% |
|---|---|
| Annual Principal Fee | HK$600 |
| Supplementary Annual Fee | HK$300 |
| Fee Waiver | |
| Minimum Monthly Repayment | 1％ of statement balance + fees. For more info, view T&C |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|