MoneySmart Says
Hang Seng enJoy Card offers 1% enJoy Dollars (HK$200 = $2 enJoy Dollars) for your spending. enJoy Dollars can be used in selected merchants to offset transactions. Cardholders can even earn Merchant Dollars at Designated Merchants. Merchants Dollars can be used together with enJoy Dollars at Designated Merchants to offset spending.
- HK$150,000
- Min. Annual Salary
- 1％
- Cash back on local spend
- 2.4%
- Cash back on overseas spend
Bank Promo
From 6 April to 7 June 2020, simply spend with your Hang Seng Credit Card at Marathon Sports, GigaSports and Catalog in Hong Kong, and Marathon Sports or Catalog online stores to enjoy the special offersValid till 07 Jun 2020
- Up to 50% off selected items
- Make a single net purchase of HKD690 on 2 items or above to get a HKD50 Shopping Gift Voucher for next purchase
- Make a single net purchase of HKD950 on 2 items or above to get a Crocs Travel Bag
- Starting from the month of successful registration until 30 June 2020, you can earn up to 4% Cash Dollars rebate* for online purchase at Marathon Sports or Catalog online stores.
Quick Facts
Get the maximum value by
spending at merchants under the Jardine Matheson Group, including 7-Eleven, Wellcome and Starbucks etc.
Good for
frequent diners in Maxim's and Jardine's and would pay attention to expiry date of the points earned
Categories to maximise this card
spending at partner merchants
What people use it for
spending at partner merchants
Get if
you are a frequent shopper at participating merchants partnered with enJoy Card
- 1% enJoy Dollars rebate (HK$200 = $2 enJoy Dollars) at designated merchants (e.g. IKEA, 7-Eleven)
- Up to 2.4% Cash Dollars rebate for eligible overseas spending + Up to 1.2% Cash Dollars rebate for eligible online shopping spending
- Accumulated enJoy Dollars can be used as cash for the next purchase at the Designated Merchants
- Perpetual annual fee waiver for principal and supplementary cardholders
- 5% off at 7-Eleven for select items on the 8th and 18th of every month
- 5% off at 7-Eleven for select items on the 8th and 18th of every month
- 10% off takeaway a la carte menu item at Pizza Hut (excludes orders on public holidays)
- Free Starbucks upgrade offer on one tall drink when enJoy card is used to load a balance of HK$100 or more to a registered Starbucks card
- 1% enJoy Dollars rebate (HK$200 = $2 enJoy Dollars) at designated merchants such as 7-Eleven, Mannings, and KFC
- 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)
- 10% off lunch and dinner buffets at Courtyard by Marriott Hong Kong
- 15% off lunch, afternoon tea, and dinner buffets at Marco Polo Hongkong Hotel
- Up to 2.4% Cash Dollars rebate for eligible overseas spending + Up to 1.2% Cash Dollars rebate for eligible online shopping spending
- One-Time Password (OTP) service for fast and secure online shopping transactions
- 9% off hotel bookings at Expedia.com.hk (use coupon code: HASEHK09)
- $300 enJoy Dollars for new Hang Seng credit card customers
- Additional $100 enJoy Dollars for cardholders who apply for enJoy card via online application
- 1% enJoy Dollars rebate (HK$200 = $2 enJoy Dollars) at designated merchants (e.g. IKEA, 7-Eleven)
- 0.5% Cash Dollars rebate (HK$200 = $1 Cash Dollar) at non-designated merchants
- Up to 2.4% Cash Dollars rebate for eligible overseas spending + Up to 1.2% Cash Dollars rebate for eligible online shopping spending
- Accumulated enJoy Dollars and Cash Dollars can be used as cash for next purchase at designated merchants
- Designated merchants exclusive year-round discount offers
| Annual Principal Fee | HK$0 |
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| Supplementary Annual Fee | N/A |
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| Fee Waiver | N/A |
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| Interest Free Period | Up to 56 days |
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| Annual Interest Rate | 34.97% |
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| 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 / US$30 or an amount equal to the New Balance (whichever is lower) will be levied each time. |
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| 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). |
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| Foreign Currency Transaction Fee | 1.95% |
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| Foreign Check Fee | N/A |
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| Cash Advance Transaction Fee | 3.5% of the cash advance amount (minimum HK$100) |
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| Overlimit Fee | HK$180 |
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