0

Min. Annual Salary

1%

Cash back on Online Overseas spend

6%

Cash Back for Online Transaction

All Details

Promotions

Get up to HK$1,000 Cash Rebate or total $1,000 Klook Gift Card or Netflix Basic Plan 12 months Rebate

• New customers can enjoy one the following welcome gift upon spending over designated amount within 3 months of card issuance and fulfil additional requirement:

• Enjoy HK$1,000 Cash Rebate upon conducting HK$8,800 of the posted retail transaction include HK$3,000 online transaction

• Enjoy HK$600 Cash Rebate upon conducting HK$5,800 of the posted retail transaction

• Spend HK$5,800 or above to get $600 Klook Gift Card + $400 Staycation Coupons

• Spend HK$5,800 or above to get Netflix Basic Plan 12 months Rebate

• Key Features

  • 6% Cash RebateReward of Your Choice Selection List(Online Foreign Currency Spending; Online Travel Merchant Spending; Online Supermarket Spending; Online Dining Spending; Online Entertainment Spending; Online Fashion & Apparel Spending; Online Care more Charity Donations

  • 1% Unlimited Cash Rebate

  • 10 Free Trials for Flexi Shopping

  • iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction

  • Flexi Travel - up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction

Online Shopping

• 10 Free Trials for Flexi Shopping

Cash Back

• 6% Cash Rebate Reward of Your Choice Selection List(Online Foreign Currency Spending; Online Travel Merchant Spending; Online Supermarket Spending; Online Dining Spending; Online Entertainment Spending; Online Fashion & Apparel Spending; Online Care more Charity Donations

• 1% Unlimited Cash Rebate

Best Credit Cards

Student

Overseas Spending

• Flexi Travel - up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Supplementary Annual Fee	HK$900
Fee Waiver	First year annual fee waiver; second year onwards: HKD$1,800
Interest Free Period	1% of monthly balance + fees
Annual Interest Rate	35.70%
Late Payment Fees	HK$350 or the minimum payment, whichever is lower, per statement cycle
Minimum Monthly Repayment	If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: (i) all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; (ii) any amount in excess of the credit limit incurred after last statement date; and (iii) 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account, or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	Min HK$100 + HK$20 admin fee
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident

Card Association

Mastercard