^HK$150,000

Min. Annual Salary

1％

Cash back on local spend

N/A

Miles Conversion (local spend)

All Details

Promotions

Up to 80,000 reward points (=HK$400) 

• 40,000 reward points (new customers) / 20,000 reward points (existing customers) : Accumulate retail transactions at any enJoy card designated merchants of HK$4,000 (required to complete within 60 dates from the date of new card issuance)

• 20,000 reward points : Sign up as yuu member and link enJoy card (required to complete within 60 dates from the date of new card issuance)

• 20,000 yuu reward points : Successful online application

• Key Features

  • 2% Reward Points rebate (HK$200 = $4 Reward Points) at designated merchants (e.g. Pizza Hut and KFC)

  • 1.5% Reward Points rebate (HK$200 = $3 Reward Points) at designated merchants (e.g. IKEA, 7-Eleven)

  • 1% Reward Points rebate (HK$200 = $2 Reward Points) at designated merchants (e.g. 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

• 2% Reward Points rebate (HK$200 = $4 Reward Points) at designated merchants (e.g. KFC)

• 1.5% Reward Points rebate (HK$200 = $3 enJoy Dollars) at designated merchants such as 7-Eleven, Mannings)

Online Shopping

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

Cash Back

• 1.5% Reward Points rebate (HK$200 = $2 Reward Points) at designated merchants (e.g. IKEA, 7-Eleven)

• 0.5% Reward Points rebate (HK$200 = $1 Reward Points) at non-designated merchants

• Accumulated Reward Points can be used as cash for next purchase at designated merchants

Welcome Offers

• $300 Reward Points for new Hang Seng credit card customers

• Additional $100 Reward Points for cardholders who apply for enJoy card via online application

Dining

• 10% 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

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