Perpetual annual fee waiver

Annual fee

Up to 6%

+FUN Dollars rebate on Overseas foreign currencies spending

Up to 5%

+FUN Dollars rebate on Online Retail Transaction

All Details

• Key Features

  • Upon registration via hangseng.com/mpower and accumulates HK$5,000 of Eligible Retail Spending on a monthly basis, you can enjoy below spending rebates:
    ・Up to 6% +FUN Dollars rebate for overseas foreign currencies spending
    ・Up to 5% +FUN Dollars rebate for Online retail spending
    ・ Selected Spending Categories Transaction: Choose a maximum of 2 out of 3 categories including Dining (excludes Fast Food), Electronics and Entertainment, to enjoy up to 1% +FUN Dollars

  • 0.4% basic +FUN Dollars rebate (Earning $1 +FUN Dollar when spending HK$250)

  • 【It's Priority Tickets!】With the Hang Seng Credit Card, you can have priority access to purchase tickets for popular concerts, band performances and large-scale music festivals, such as those featuring JJ Lin, LISA, MIRROR, Kaho Hung etc., allowing you to be ahead of the crowd and unlock concert privileges!

Student

• Full-time University/Tertiary Students who are aged 18 or above and are attending certificate level or above course offered by following accredited education institutions, are eligible to apply for the Hang Seng MMPOWER World Mastercard

• This card is available for students studying in accredited universities in Hong Kong, Chu Hai College of Higher Education, Vocational Training Council, Hong Kong Institute of Vocational Education, Hong Kong Academic of Performing Arts, Caritas Institute of Higher Education, Caritas Bianchi College of Careers, Hong Kong Institute of Technology, Hong Kong College of Technology/ HKCT Institute of Higher Education, Centennial College, Tung Wah College, UOW College Hong Kong, Hong Kong Nang Yan College of Higher Education, Caritas Institute of Community Education, Hong Kong Art School, Gratia Christian College and Yew Chung College of Early Childhood Education

Online Shopping

• Up to 5% +FUN Dollars rebate for Online retail spending

Overseas Spending

• Up to 6% +FUN Dollars rebate for overseas foreign currencies spending

Best Credit Cards

• Up to 6% +FUN Dollars rebate for overseas foreign currencies spending

Annual Fee Waiver

• Perpetual annual fee waiver

Welcome Offers

• Customers who successfully applied the Designated Credit Card during the Promotion Period, and have made transaction in an accumulated amount of HKD5,000 with the card within 60 days from the date of new card issuance, can enjoy:

• Up to $700 +FUN Dollars

Annual Interest Rate and Fees

Annual Principal Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver
Interest Free Period	Up to 56 days
Annual Interest Rate	35.72%
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$330 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	0.5% of the cash advance amount (minimum HK$100) per cash advance transaction
Overlimit Fee	HK$200

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Minimum Income Requirements

Local Resident	$150,000 (Not applicable to Full-time University/Tertiary Students)
Foreigner	$150,000 (Not applicable to Full-time University/Tertiary Students)

Card Association

Mastercard

Wireless Payment

Apple Pay
Samsung Pay