^HK$60,000

Min. Annual Salary

4%

Online Cash Rebate

8%

Overseas transaction rewards

All Details

• Key Features

  • Up to 4% rebate for local online merchants spending

  • Up to 8% overseas spending rewards (Spending in Taiwan: 8%; Spending in Japan/ Korea: 4%; Non HKD Spending: 2%)

  • Promo code: Moneysmart

  • To borrow or not to borrow? Borrow only if you can repay.

  • Terms and conditions apply. For details, please visit Fubon Bank website.

Air Miles

• HK$15 = 1 Mile

Online Shopping

• Up to 4% rebate for local online merchants spending

Overseas Spending

• Spending in Taiwan: HK$1 = 20 points (8% cash rebate; HK$0.75 = 1 mile)

• Spending in Japan / Korea: HK$1 = 10 points (4% cash rebate ; HK$1.5 = 1 mile)

• Non HKD spending: HK$1 = 5 points (2% cash rebatel HK$3 = 1 mile)

Welcome Offers

• Spend HK$5,800 or above on eligible retail purchase and/or cash advance with the principal card within the first 3 months from the date of card issuance HK$500 cash rebate

• Apply Fubon Visa Platinum Card via Fubon GO to enjoy HK$100 Supermarket Cash Coupon

Best Credit Cards

• Up to 4% rebate for local online merchants spending

• Up to 8% overseas spending rewards (Spending in Taiwan: 8%; Spending in Japan/ Korea: 4%; Non HKD Spending: 2%)

Cash Back

• Up to 4% rebate for local online merchants spending

• Up to 8% overseas spending rewards

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,700
Supplementary Annual Fee
Fee Waiver	First 3 year annual fee waiver
Interest Free Period	Up to 56 days
Annual Interest Rate	35.7% Remarks: Annualized Percentage Rate (“APR”), calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate and the relevant handling fee (if applicable).
Minimum Monthly Repayment	Minimum HK$200 or the aggregate amount of all the following items (whichever amount is higher): (a) all interest and fees and charges (including the current Finance Charge); plus (b) 1% of the remaining outstanding balance of transactions; plus (c) any amount exceeding the available Credit Limit and the minimum amount from the previous month which remains unpaid
Foreign Currency Transaction Fee	1.95%
Cash Advance Transaction Fee	3% of transaction amount or HK$55 (whichever is higher) PLUS Administration; Additional handling fee of HK$25 per transaction if the cash advance is made through JETCO ATM Network in China or Macau; or VISA/PLUS or MasterCard/Cirrus Network.
Overlimit Fee	HK$200

Minimum Income Requirements

Local Resident	HK$60,000

Card Association

Visa

Wireless Payment

Visa payWave