As low as HK$2 = 1 Mile

Local and oversea spending

HK$240,000

Minimum Annual Income

Up to $1,000 RewardCash

Welcome Offer

All Details

• Key Features

  • You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required)

  • Annual fee waiver for the first year

  • 6 Complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per year

  • Cathay Pacific: Receive a HKD300 spending rebate when you make a single purchase of at least HKD5,000 on the Cathay Pacific app via Apple Pay or Google Pay

  • Protect yourself and accompanying family members with our complimentary multi-trip travel insurance10Footnote link 10, which also covers baggage and personal effects and trip cancellation. T&Cs applyT&Cs apply This link will open in a new window.

  • Visa concierge services

  • Terms and Conditions Apply

  • To borrow or not to borrow? Borrow only if you can repay!

Air Miles

• Every HK$2 = 1 mile for spending in designated categories

• HK$2 = 1 mile for overseas spending (till 31 December 2023)

• HK$5 = 1 mile for local purchases

Best Credit Cards

Welcome Offers

• New credit card customers can enjoy an extra $800 RewardCash exclusively for online applications (equivalent to 20,000 miles)

• Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan

• Existing credit card customers can enjoy $200 RewardCash offer

• You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required)

• First year annual fee waiver

Annual Interest Rate and Fees

Annual Principal Fee	HK$2,000
Annual Interest Rate	35.42%
Late Payment Fees	Minimum Payment Due or HK$300, whichever is lower
Minimum Monthly Repayment	(i) (a) Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or (b) HKD300, whichever is higher; plus (ii) Overdue or overlimit due, being the overdue minimum payment amount from the previous card statement or amount exceeding the credit limit on your card, whichever is higher.
Foreign Currency Transaction Fee	1.95%

Minimum Income Requirements

Local Resident	HK$240,000

Card Association

Visa

Credit Card Features

Airport Lounge Access