Perpetual annual fee waiver

Annual fees

2％

Cash back on local spend

Up to 80,000 yuu Points

Welcome Offer

All Details

• Key Features

  • enJoy Card Spending Promotion - Earn extra up to 24X Points: From 1 March to 30 April 2022, register successfully and spend upon a specific net amount in-store and online at selected "Designated Merchants" using enJoy Card which is linked to yuu to enjoy extra up to 12,000 yuu Points. For registration and Terms and Conditions, please visit hangseng.com/promotion2

  • From 12 February to 13 August 2022, purchase gasoline with the Card at Shell stations in Hong Kong to enjoy up to 6X Points. For details, please visit hangseng.com/enjoy1

  • 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,Shell and designated Maxim's Group

  • 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

  • Perpetual annual fee waiver

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)

• 20% off dinner à la carte food and 20% off afternoon tea at The Murray, Hong Kong, a Niccolo Hotel - Popinjays (Restaurant)

• 15% off buffet and à la carte food (6 to 10 persons) / 10% off buffet and à la carte food (2 to 5 persons) at JW Marriott Hotel Hong Kong - JW Café

• 15% off food and beverages at Conrad Hong Kong - Brasserie on the Eighth

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

Online Shopping

• 3X Reward Points at Wellcome and Mannings in yuu App

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

Welcome Offers

• Up to 80,000 yuu Reward Points as Welcome Offer

• 10,000 yuu Reward Points: Link enJoy Card to yuu Reward Programme

• 70,000 yuu Reward Points (new customers) / 40,000 yuu Reward Points (existing customers): Spending HK$4,000 or above at enJoy Card Designated Merchants within 60 days from the date of new card issuance

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, Market Place by Jasons, 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.

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