^HK$150,000

Min. Annual Salary

5%

Cash Back on Online Spending

0.55%

Basic Cash Back

All Details

Promotions

Up to HK$900 Trip.com Gift Card or Up to HK$800 Cash Rebate (Choose 1 from 2)

• Up to HK$900 Trip.com Gift Card: New cardmembers are entitled to HK$400 Trip.com Gift Card upon accumulating eligible transactions with the total net amount of HK$3,000 or above within spending phase 1; New cardmembers are entitled to extra HK$500 Trip.com Gift Card upon accumulating eligible transactions with the total net amount of HK$3,000 or above within spending phase 2.

• Up to HK$800 Cash Rebate: New cardmembers are entitled to HK$400 Cash Rebate upon accumulating eligible transactions with the total net amount of HK$5,000 - HK$8,000 below within spending period; New cardmembers are entitled to HK$800 Cash Rebate upon accumulating eligible transactions with the total net amount of HK$8,000 or above within spending period.

• Key Features

  • Up to 5% Cash Rebate on Online Spending

  • First Year Annual Fee Waiver

Annual Fee Waiver

• First Year Annual Fee Waiver

Welcome Offers

• Up to HK$900 Trip.com Gift Card or

• Up to HK$800 Cash Rebate

• Terms and conditions of Up to 2% Cash Rebate on RMB Spending, Up to 2% Cash Rebate on Local Retail and Overseas Spending in the first 6 months and Welcome Offers apply. Please click here for details.

Cash Back

• Up to 5% Cash Rebate on Online Spending

• 0.55% Basic Cash Rebate

Best Credit Cards

• Up to 5% Cash Rebate on Online Spending

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