Best Hang Seng Bank Credit Cards in Hong Kong

Updated August 2019

Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good Hang Seng Bank credit card to complement your spending habits.

Popular Hang Seng Bank Credit Cards

Hang Seng enJoy Card

$150,000

Min. Annual Salary

1%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

Annual Interest Rate and Fees

Annual Interest Rate34.97%
Principle Annual FeeHK$0
Supplementary Annual FeeN/A
Fee WaiverN/A
Minimum Monthly RepaymentThe Minimum Payment Amount is HK$230 / CNY230 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii).
Interest Free PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentVisa payWave
Hang Seng MPOWER CARD

$150,000

Min. Annual Salary

4.4%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

  • Up to 4.4% Cash Dollars rebate in moblie payment, online shopping and overseas spending
  • Discounted offer at MCL cinemas and KKBOX

Annual Interest Rate and Fees

Annual Interest Rate34.97%
Principle Annual FeeHK$0
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentN/A
Interest Free PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$15,000
ForeignerHK$15,000

Other

Card AssociationMasterCard
Wireless PaymentN/A
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Best Hang Seng Credit Cards in Hong Kong 2019

Credit CardMinimum Annual SalaryBenefits
Hang Seng enJoy CardHK$150,000Up to 2.4% Cash Dollars rebate on overseas spending and online shopping
Hang Seng MPOWER CardHK$150,000Up to 4.4% Cash Dollars rebate in mobile payment
Hang Seng Visa Platinum CardHK$150,000Earn $1 Cash Dollar for every HK$250 in retail spend

Hang Seng Credit Card Offers and Promotions

Hang Seng cardholders can enjoy up to 70% off year-round dining, shopping, lifestyle, healthy & beauty offers at over 4600 participating merchants, including five-star hotels, famous restaurants, luxury retail stores and more. What’s more, cardholders can earn Cash Dollars and Merchant Dollars for everyday purchase to offset spending.

Credit Card Dining Offers

With Hang Seng credit card, cardholders can enjoy a host of dining offers on à la carte menu, lunch, afternoon tea, dinner buffets, etc. throughout the year at a wide range of participating five-star hotels and famous restaurants such as Sheraton, The Mira, W Hong Kong, etc.

Credit Card Shopping Offers

Shop with Hang Seng credit cards to enjoy an array of shopping discounts, free delivery and complimentary gifts upon purchase at selected merchants such as FORTRESS, YOOX, 3DG Jewellery, mydress.com, American Tourister, Arome Bakery. Etc.

Cash Dollars & Merchant Dollars

Cardholders can earn Cash Dollars when making eligible purchases with Hang Seng credit cards, which can be used as instant cash to offset spending at over 7,600 participating merchants in town such as IKEA, Shell, 7-ELEVEN, etc. Furthermore, cardholders can earn Merchant Dollars at selected merchants such as Sa Sa, Mirabell, etc. in addition to Cash Dollars for every spending.

Hang Seng Credit Card Hotline

To speak to a Hang Seng credit card customer service representative, please call Hang Seng credit card customer service hotline at 2398 0000 and enter shortcut key 3>8>4>8. If you request to have your annual fee waived, please enter 3>. For reporting credit card loss, please enter 3 to report.

Hang Seng Credit Card Designated Merchants

Hang Seng credit card holders can earn Cash Dollars which can be used as instant cash both online and offline at participating merchants across Hong Kong. Furthermore, cardholders can earn Merchant Dollars in addition to Cash Dollars for every spending at designated merchants, which can be used at the same designated merchants as instant cash!

Supermarkets and Grocery Stores

Hang Seng credit card holders can use Cash Dollars as instant cash at participating supermarkets and grocery stores such as Wellcome, SOGO, Wing On, DCH Foods, etc.

Restaurants

With Hang Seng credit card, diners can enjoy Cash Dollars as instant cash at participating restaurants such as Regal Hotel, Royal Plaza Hotel, etc.

Online Shopping Merchants

Hang Seng offers Cash Dollars which can be used as instant cash at online Designated Merchants such as Chow Tai Fook, Bonjour, JHC, etc.

Hang Seng Credit Cards Frequently Asked Questions

Do Hang Seng Credit Cards have an Annual Fee Waiver?

To request for an annual fee waiver, you can try by calling Hang Seng credit card customer service hotline at 2398 0000 and enter shortcut key 3 >1.

What’s the Difference Between Cash Dollars and Merchant Dollars?

Cardholders can earn Cash Dollars for every spending with Hang Seng credit cards, which can be used to offset spending at over 7,600 designated merchant outlets throughout Hong Kong. At selected merchants such as Sa Sa, Mirabell, etc., cardholders can even earn Merchant Dollars in addition to Cash Dollars for every spending. Please note that Merchant Dollars can only be used at the same designated merchants as instant cash.

How do you Check the Status of a Hang Seng Credit Card Application?

You can call Hang Seng credit card customer service hotline at 2398 0000 to check your application status. The shortcut to card application enquiry is 3>8>4>8.