HSBC UnionPay Dual Currency Credit Card

HK$60,000
Min. Annual Salary
2.4%
Cash back on local spend
HK$4.17 = 1 Mile
Miles Conversion (local spend)
HSBC UnionPay Dual Currency Credit Card

HSBC UnionPay Dual Currency Credit Card

Promotion
Promotions
Apply online to earn up to HK$900 RewardCash
  • Welcome gift:
    New customers: Spend HK$/RMB 6,000 or above within first 60 calendar days from card issuance to enjoy $800 RewardCash
    Existing customers: Spend HK$/RMB6,000 or above within first 60 calendar days from card issuance to enjoy $400 RewardCash
  • Extra $100 RewardCash for successful usage of the “Pay with RC” function in the HSBC Reward+ App
Key features
Key features
Best for: Frequent travelers to China looking for seamless transition between HKD and RMB
  • Earn up to 2.4% RewardCash rebate with “Red Hot Rewards of Your Choice”
  • Earn up to 2% RewardCash rebate with “Red Hot Online & Overseas Spending Rewards
  • Enjoy flexible payment in Hong Kong dollars and Renminbi without worrying about exchange rate fluctuations
Leisure
UnionPay
  • Enjoy flexible payment in Hong Kong dollars and Renminbi without worrying about exchange rate fluctuations
Leisure
Best Credit Cards
  • Earn up to 4.4% RewardCash rebate (= HK$2.27/mile) by registering for “Red Hot Rewards of Your Choice” and Red Hot Online & Overseas Spending Rewards
Air miles
Air Miles
  • HK$4.17 = 1 Mile (local spend)
  • HK$2.27 = 1 Mile (online & overseas spend)
Terms
Terms and conditions
Interest Rate & Late Payment Fees

Annual Principal Fee

HK$300

Supplementary Annual Fee

HK$150

Fee Waiver

Yes

Interest Free Period

Up to 56 Days

Annual Interest Rate

37.75%

Late Payment Fees

Minimum payment due or HK$230, whichever is lower

Minimum Monthly Repayment

Varies. For more info, view T&C

Foreign Currency Transaction Fee

1.00%

Foreign Check Fee

HK$100

Cash Advance Transaction Fee

2% of cash amount and 3% handling fee (min HK / RMB $55)

Overlimit Fee

HK$180
Eligibility

Local Resident Minimum Income

HK$60,000

Foreigner Minimum Income

HK$60,000
Other

Card Association

Unionpay

Wireless Payment

N.A.

















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