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EarnMORE UnionPay Diamond Card
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

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.

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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.

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.