^HK$120,000

Min. Annual Salary

4%

Cash back on Online purchases

2%

Cash back on Supermarket purchases

All Details

• Key Features

  • Earn RewardCash from every transaction

  • 4% RewardCash for online transaction

  • 2% RewardCash for local supermarket transaction

  • 1% RewardCash for other local and overseas transaction

  • No annual fee

Annual Fee Waiver

• No annual fee

Dining

• 1% RewardCash for other local and overseas transaction
• Enjoy HK$20 off your orders through Deliveroo

Online Shopping

• 4% RewardCash for online transaction
• Up to 11% off worldwide hotel bookings on Hotels.com
• Enjoy HK$20 off your orders through Deliveroo

Cash Back

• Enjoy unlimited instant rewards with no restrictions
• 4% RewardCash for online transaction
• 2% RewardCash for local supermarket transaction
• 1% RewardCash for other local and overseas transaction

Air Miles

• Online spending HK$2.5 per air mile

Best Credit Cards

• Earn RewardCash from every transaction
• 4% RewardCash for online transaction
• 2% RewardCash for local supermarket transaction
• 1% RewardCash for other local and overseas transaction
• Up to 11% off worldwide hotel bookings on Hotels.com
• Enjoy HK$20 off your orders through Deliveroo

Annual Interest Rate and Fees

Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Interest Free Period	56 days
Late Payment Fees	Minimum payment due or HK$230, whichever is lower
Annualised Percentage Rate	36.43%
Minimum Monthly Repayment	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 (minimum HK$50), plus overdue or overlimit due whichever is higher.
Foreign Currency Transaction Fee	1.95%
Foreign Cheque Clearing Fee	HK$100
Overlimit Fee	HK$180
Cash Advance Fee and Handling Fee	2% of cash amount and 3% handling fee (min HK$/RMB$55)

Minimum Income Requirements

Local Resident	HK$120,000
Foreigner	HK$120,000

Card Association

Mastercard

Wireless Payment

Mastercard contactless