^HK$60,000

Min. Annual Salary

2.5%

Overseas spending rebate

3%

Online spending rebate

All Details

• Key Features

  • “Monthly Reward”* - You will be rewarded with a HK$50 YATA Gift Certificate for every HK$2,000 spending per month, rebate up to 2.5% (cut-off date will be the 15th day of each month).

  • “Balance Reward”* - The remaining spending amount or the spending amount less than HK$2,000 will be automatically accumulated for the “Balance Reward” after deduction of the “Monthly Reward” above. You will also be entitled to an extra HK$50 YATA Gift Certificate for every accumulated spending of HK$5,000 within 6 months (cut-off date will be April 15 and October 15 of each year).

  • YATA Credit Card Bonus Point Program# - You will earn 1 bonus point for every HK$1 card spending. For every 25,000 bonus points, you can redeem HK$100 cash credit or cash coupon, Platinum cardholder can even redeem HK$200 cash credit with 40,000 bonus points, rebate up to 0.5%.

  • 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.

Cash Back

Online Shopping

Overseas Spending

• 5X bonus point by using “YATA X KUMAMOTO” Titanium Card in Japan.

Welcome Offers

• HK$250 Yata Voucher upon Card Approval

Best Credit Cards

• “Monthly Reward”* - You will be rewarded with a HK$50 YATA Gift Certificate for every HK$2,000 spending per month, rebate up to 2.5% (cut-off date will be the 15th day of each month).

• “Balance Reward”* - The remaining spending amount or the spending amount less than HK$2,000 will be automatically accumulated for the “Balance Reward” after deduction of the “Monthly Reward” above. You will also be entitled to an extra HK$50 YATA Gift Certificate for every accumulated spending of HK$5,000 within 6 months (cut-off date will be April 15 and October 15 of each year).

• YATA Credit Card Bonus Point Program# - You will earn 1 bonus point for every HK$1 card spending. For every 25,000 bonus points, you can redeem HK$100 cash credit or cash coupon, Platinum cardholder can even redeem HK$200 cash credit with 40,000 bonus points, rebate up to 0.5%.

• 5X bonus point by using “YATA X KUMAMOTO” Titanium Card in Japan.

Annual Fee Waiver

• No Annual Fee

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,700
Supplementary Annual Fee
Fee Waiver
Interest Free Period	Up to 56 days
Annual Interest Rate	33.22%
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	1.85%
Cash Advance Transaction Fee	3% of transaction amount or HK$55 (whichever is higher) PLUS Administration Fee HK$20 per transaction; 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$180

Minimum Income Requirements

Local Resident	HK$60,000

Card Association

Visa

Wireless Payment

Visa payWave