EarnMORE UnionPay Diamond Card
Apply through MoneySmart and redeem for any of these:
Product Carousel
Only $549 with SmartPoints
Apple HomePod (Midnight)
26990 SmartPoints
worth HK$2699
Apple HomePod (Midnight)
26990 SmartPoints
worth HK$2699
FREE with SmartPoints
Trip.com HK$300 eGift Card
3000 SmartPoints
worth HK$300
Trip.com HK$300 eGift Card
3000 SmartPoints
worth HK$300
FREE with SmartPoints
Apple Store HK$300 Gift Card
3000 SmartPoints
worth HK$300
Apple Store HK$300 Gift Card
3000 SmartPoints
worth HK$300
MoneySmart Exclusive
3,000 SmartPoints
3,000 SmartPoints
View more rewards
View more rewards
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 July 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below
Valid till 31 Jul 2026
ARE YOU ELIGIBLE?
You need to apply through MoneySmart and credit card is approved. There are no spending requirements (Only applicable to the offer fulfilled by MoneySmart)
Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)
After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page.
WHAT YOU NEED TO KNOW
Customers who have successfully applied and obtained card approval must log-in to MoneySmart and submit the redemption form on or before 31 August 2026 in order to be eligible for MoneySmart exclusive reward.
From now until 31 July 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card (“Designated Credit Card”) via MoneySmart, can enjoy:
1️⃣ 3,000 SmartPoints without further spending! You are free to choose vouchers of over 20+ brands (including Apple Store Gift Card, supermarket voucher, HKTVmall, Uber, Klook, etc.). Click here for more details. T&C applied. (fulfilled by MoneySmart); AND
2️⃣ HK$300 Cash Rebate (Fulfilled by PrimeCredit)New Customers of PrimeCredit Credit Card who successfully apply and fulfill designated spending requirement to get:
1️⃣ HK$1,240 cash rebate (included the extra up to 2% cash rebate) Or
2️⃣ LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090) Or
3️⃣ Dreame F20 Robot Vacuum (Suggested price: HK$2,999) Or
4️⃣ Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
5️⃣ Tertiary Student: : HK$200 Cash Rebate (spending HK$2,000 within 90 days)“New Customers of PrimeCredit Credit Card” means applicants who do not currently hold or have not held/canceled any credit cards issued by PrimeCredit Limited in the past 12 months prior to the date of their application for a Designated Credit Card.
Card Details
Good For
Fresh graduates desiring cash rebates on retail spending, enhancing savings without complicated reward tracking.
Full-time students seeking waived annual fees and cashback benefits on their daily transactions.
Budget-conscious Hong Kong residents wanting maximum returns from routine purchases via a straightforward cashback program.
Things to Note
The card's 35.95% retail interest rate can significantly increase your debt if not paid monthly.
Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
EarnMORE UnionPay Diamond Card
The PrimeCredit EarnMORE UnionPay Diamond Card features up to 2% cash rebate, making it ideal for frequent online shoppers, as well as local and overseas spenders. Below, we provide a detailed breakdown of the EarnMORE UnionPay Diamond Card, including welcome offers, rebate rates, overseas transaction fees, and comparisons with other credit cards.
EarnMORE UnionPay Diamond Card Annual Fee and Rebate Rates
The annual fee and rebate details for the PrimeCredit EarnMORE UnionPay Diamond Card are as follows:
| Item | EarnMORE UnionPay Diamond Card |
|---|---|
| Annual Fee | HK$1,500 (Waived for the first 2 years) |
| Cash Rebate Rate | 2% |
| Cash Rebate Cap | The 2% rebate is capped at HK$1,500 per year; the 1% rebate is unlimited. |
EarnMORE Card Digital Wallet Rebate Rates
| Item | Apple Pay | Octopus Auto-Add Value |
|---|---|---|
| Cash Rebate Rate | 2% | 0.4% |
Is the EarnMORE UnionPay Diamond Card Worth it? Pros and Cons
Pros:
Cons:
EarnMORE UnionPay Diamond Card Welcome Gifts and Offers
New customers who successfully apply through MoneySmart and meet the specified spending requirements can receive exclusive welcome rewards, such as gift vouchers, cash rebates, or other gifts.
Steps to Add EarnMORE UnionPay Diamond Card to Apple Pay
Open the Apple Wallet App.
Tap the "+" icon in the top right corner and follow the on-screen instructions to enter the required information.
Set your PrimeCredit EarnMORE card as the default payment card to complete the process.
EarnMORE UnionPay Diamond Card vs. WeWa Card
EarnMORE UnionPay Diamond Card vs. Citi Rewards Card
EarnMORE UnionPay Diamond Card vs. Standard Chartered Smart Card
EarnMORE UnionPay Diamond Card FAQ
What is the annual fee for the EarnMORE UnionPay Diamond Card?
- The annual fee is HK$1,500. It is waived for the first two years. In subsequent years, you can call the bank to request a fee waiver.
Can the EarnMORE UnionPay Diamond Card annual fee be waived?
- Yes, the fee is waived for the first 2 years. Afterwards, you can call annually to request a waiver.
What is the overseas transaction fee for EarnMORE?
- EarnMORE charges 0% overseas transaction fees, making it perfect for those who love traveling abroad.
How long does it take for a PrimeCredit card to be approved?
- The approval process generally takes 7 to 14 working days, depending on whether the applicant's information is complete and their credit history.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.