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EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

EarnMORE UnionPay Diamond Card offers up to 2% annual cashback with unlimited 1% base cashback. New customers applying through MoneySmart can earn up to HK$1,476 cash rewards - HK$400 more than applying directly through the official website!
HK$0
Min. Annual Salary
2%
Cash back on overseas spend
2%
Cash back on local spend

Apply through MoneySmart and redeem for any of these:

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FREE with SmartPoints
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Apple Store HK$200 Gift Card

2000 SmartPoints

worth HK$200

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Apple Store HK$200 Gift Card

2000 SmartPoints

worth HK$200

FREE with SmartPoints
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PARKnSHOP HK$200 E-voucher

2000 SmartPoints

worth HK$200

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PARKnSHOP HK$200 E-voucher

2000 SmartPoints

worth HK$200

Only $549 with SmartPoints
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Apple HomePod (Midnight)

22990 SmartPoints

worth HK$2299

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Apple HomePod (Midnight)

22990 SmartPoints

worth HK$2299

FREE with SmartPoints
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Uber HK$200 E-Voucher

2000 SmartPoints

worth HK$200

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Uber HK$200 E-Voucher

2000 SmartPoints

worth HK$200

FREE with SmartPoints
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HKTVmall HK$100 E-voucher

1000 SmartPoints

worth HK$100

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HKTVmall HK$100 E-voucher

1000 SmartPoints

worth HK$100

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View more rewards

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View more rewards

MoneySmart Exclusive

🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$970 cash rewards】
MS Exclusive: From now until 30 June 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 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)
⠀⠀
New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$670 cash rebate (included the extra up to 2% cash rebate)
・Philips RO Water Dispenser (ADD6901) (Suggested price: HK$2,488)
・Garmin Forerunner 165 GPS Smartwatch (Suggested price: HK$2,299)
・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 details below

Valid till 30 Jun 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

  1. Customers who have successfully applied and obtained card approval must log-in to MoneySmart and submit the claim form on or before 31 July 2026 in order to be eligible for MoneySmart exclusive reward.

  2. From now until 30 June 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card (“Designated Credit Card”) via MoneySmart, can enjoy:
    1️⃣ 2,000 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)

  3. New Customers of PrimeCredit Credit Card who successfully apply and fulfill designated spending requirement to get HK$670 cash rebate (included the extra up to 2% cash rebate) Or

  4. Philips RO Water Dispenser (ADD6901) (Suggested price: HK$2,488) Or

  5. Garmin Forerunner 165 GPS Smartwatch (Suggested price: HK$2,299) Or

  6. Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program

  7. Tertiary Student: : HK$200 Cash Rebate (spending HK$2,000 within 90 days)

  8. “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.

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Card Details

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:

The EarnMORE UnionPay Diamond Card offers comprehensive rewards, with a 2% cash rebate on local, online, and overseas spending. This includes paying electricity, gas, management fees, and university tuition via UnionPay App (Cloud Flash Pay). Additionally, there are no overseas transaction fees, making it a very convenient card for traveling.

Cons:

It is important to note that the EarnMORE UnionPay Diamond Card has an annual rebate cap of HK$1,500, which may be a drawback for high spenders.
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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

Step 1

Open the Apple Wallet App.

Step 2

Tap the "+" icon in the top right corner and follow the on-screen instructions to enter the required information.

Step 3

Set your PrimeCredit EarnMORE card as the default payment card to complete the process.

EarnMORE UnionPay Diamond Card vs. WeWa Card

The WeWa card offers a higher rebate of up to 4%, which is more attractive but is limited to specific "Entertainment" categories. It is better suited for those who spend more on leisure and travel. If you are looking for the highest flat cash rebate for local, overseas, and online spending, the EarnMORE card is the top choice, offering 2% across all categories for daily use.

EarnMORE UnionPay Diamond Card vs. Citi Rewards Card

The Citi Rewards Card focuses on rebates at specific local department stores, supermarkets, and telecommunications providers (including AEON, SOGO, Market Place by Jasons, SUN Mobile, China Mobile, CityLink, etc.). You can earn 0.333 miles for every HK$1 spent, which increases to 0.536 miles on your birthday. Miles can also be earned by paying TV, internet, mobile, and fixed-line bills. Additionally, Citi Rewards uses a points-based system, offering more flexibility to redeem points for miles, cash rebates, or vouchers. However, its annual fee and income requirements are relatively higher. The EarnMORE card only offers cash rebates but has a lower entry barrier.

EarnMORE UnionPay Diamond Card vs. Standard Chartered Smart Card

The SCB Smart Card has an income requirement of only HK$96,000 and no annual fee, making it easier to apply for than the EarnMORE card. It offers up to 5% cash rebate at designated merchants like Watsons and PARKnSHOP, making it an excellent card for major supermarkets and retailers. However, spending at non-designated merchants only earns a 0.56% rebate. For those seeking comprehensive rewards across all categories, the EarnMORE card is more suitable, offering 2% on local, overseas, and online spending along with travel-related perks.

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.