^HK$150,000

Min. Annual Salary

5%

Cash Back on Online Spending

0.55%

Basic Cash Back

All Details

• Key Features

  • Up to 5% Cash Rebate on Online Spending

Cash Back

• Up to 15% Cash Rebate on Online Spending in the first year

• 0.55% Basic Cash Rebate

Welcome Offers

• HK$900 Times Square Gift Card, redeem before meeting spending requirement upon successful card approval. card approved on or before 31 Oct 2021 and spending of HK$8,000 within 3 months is required or;

• Up to 10% online spending cash rebate in the first year, no min. spend and cap at HK$1,000 or;

• Up to HK$800 Cash Rebate

Annual Fee Waiver

• First Year Annual Fee Waiver

Best Credit Cards

• Up to 15% Cash Rebate on Online Spending in the first year

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,200
Supplementary Annual Fee	N/A
Interest Free Period	Up to 57 days
Annual Interest Rate	34.49
Late Payment Fees	HK$300 or amount equal to the Minimum Payment Due, whichever is lower
Minimum Monthly Repayment	1% of monthly payment + fees
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	3.5% of cash amount or min HK$100
Overlimit Fee	HK$180

Minimum Income Requirements

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

Card Association

Mastercard

Wireless Payment

Mastercard contactless