^HK$150,000

Min. Annual Salary

2％

Cash back on local spend

N/A

Miles Conversion (local spend)

All Details

• Key Features

  • 4X Reward Points rebate (equivalent to 2% rebate) at Pizza Hut, PHD and KFC

  • 3X Reward Points rebate (equivalent to 1.5% rebate) at Wellcome, Mannings, IKEA and 7-Eleven

  • 2X Reward Points rebate (equivalent to 1% rebate) at GNC, Maxim's Group

  • Redemption is currently unavailable at GNC and Maxim’s Group until further announcement

  • Accumulated Reward Points can be used as cash for the next purchase at the Designated Merchants

  • Redeem e-coupons and gift

  • Exclusive Year-round discount offers up to 12% off at the Designated Merchants

Student

• 4X Reward Points rebate (equivalent to 2% rebate) at KFC

• 3X Reward Points rebate (equivalent to 1.5% rebate) at 7-Eleven, Mannings

Cash Back

• 4X Reward Points rebate (equivalent to 2% rebate) at Pizza Hut, PHD and KFC

• 3X Reward Points rebate (equivalent to 1.5% rebate) at Wellcome, Mannings, IKEA and 7-Eleven

• 2X Reward Points rebate (equivalent to 1% rebate) at GNC, Maxim's Group

• 1X Reward Points rebate (equivalent to 0.5% rebate) at non-designated merchants

• Accumulated Reward Points can be used as cash for next purchase at designated merchants. Every 4,000 Points can redeem for HKD20. The redemption unit will be in a denomination of HKD20, HKD40, and so on. The maximum redemption value per transaction is HKD400.

Online Shopping

• One-Time Password (OTP) service for fast and secure online shopping transactions

Welcome Offers

• 60,000 Reward Points for new Hang Seng Credit Card customers(Sign up as yuu member and link enJoy card, and accumulate retail transactions at any enJoy card designated merchants of HKD4,000 within 60 days from the date of new card issuance)

• Additional 20,000 Reward Points for cardholders who apply for enJoy Card via online application

Dining

• 5% off dine-in and takeaway orders at KFC (Monday to Friday)

• 10% off dine-in a la carte menu item at Pizza Hut (Monday to Sunday)

• 15% off brunch buffet, lunch buffet and dinner buffet at The Mira

• 15% off food and beverages at Conrad Hong Kong

Best Credit Cards

Annual Interest Rate and Fees

Annual Principal Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Interest Free Period	Up to 56 days
Annual Interest Rate	34.97%
Late Payment Fees	If the Customer fails to make full payment of the New Balance on or before the Payment Due Date, a late charge of HK$300 or an amount equal to the New Balance (whichever is lower) will be levied each time.
Minimum Monthly Repayment	The Minimum Payment Amount is HK$300 / CNY300 (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).
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	3.5% of the cash advance amount (minimum HK$100)
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$150,000

Card Association

Visa

Wireless Payment

Visa payWave