^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

Online Shopping

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

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.

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

Welcome Offers

• 80,000 Reward Points for new Hang Seng Credit Card customers

• 10,000 yuu Reward Points: Sign up as yuu members and link enJoy Card

• 70,000 yuu Reward Points (new customers) / 30,000 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

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