Perpetual annual fee waiver

Annual fees

2％

Cash back on local spend

Up to 120,000 yuu Points

Welcome Offer

All Details

• Key Features

  • Welcome offer up to 120,000 yuu Points (equivalent to rewards worth HK$600)

  • Spending offer up to 8X yuu Points: Until 31 December, you can earn up to 4X points at enJoy Card Designated Merchants, in addition to basic reward points, you may enjoy up to 8X points (4% rebate) in total!

  • 4X Points (equivalent to 2% rebate) at Pizza Hut, PHD, KFC and designated Maxims Group Restaurants/ Outlets

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

  • 2X Points (equivalent to 1% rebate) at GNC, Shell and other designated Maxims Group Restaurants/ Outlets

  • 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 at the Designated Merchants

  • Perpetual annual fee waiver

Cash Back

• 4X Points (equivalent to 2% rebate) at Pizza Hut, PHD, KFC and designated Maxims Group Restaurants/ Outlets

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

• 2X Points (equivalent to 1% rebate) at GNC, Shell and other designated Maxims Group Restaurants/ Outlets

• 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.

• • Spend more! Earn more! From 1 December 2022 to 28 February 2023, starting from the registration month, enjoy extra up to 8X yuu Points, upon accumulated the monthly eligible retail spending of HK$3,800, on Eligible Online Spending, Dining or Overseas Spending of designated amount in such month, a total of extra up to 60,000 yuu Points. With the Spending Reward and Online Tax Payment offer, enjoy up to 118,000 yuu Points! Registration and details: hangseng.com/spending

Welcome Offers

• Link Card to yuu Rewards Programme and accumulate eligible retail spending of HK$6,000 within 60 days of card issuance, New Credit Card Customers can enjoy 120,000 yuu Points (equivalent to rewards worth HK$600) / Existing Credit Card Customers enjoy 80,000 yuu Points (equivalent to rewards worth HK$400)

Dining

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

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

• Marco Polo Hongkong Hotel - Cafe Marco 15% off lunch buffet, afternoon tea buffet and dinner buffet

• JW Marriott Hotel Hong Kong - JW Café 10% off buffet and à la carte food (2 to 10 persons)

• Renaissance Harbour View Hotel Hong Kong - Café Renaissance 10% off lunch buffet and dinner buffet

Online Shopping

• 3X Points at Wellcome and Mannings in yuu to me online shopping platform

Student

• Student can also apply

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

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

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