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HSBC UnionPay Dual Currency Credit Card
MoneySmart Exclusive

HSBC UnionPay Dual Currency Credit Card

HSBC UnionPay Dual Currency Credit Card offers flexible payments in two currencies. Cardholders can use QR code payment with HSBC Reward + at selected merchants in Mainland China, Hong Kong, and Macau. What’s more, simply allocate all RewardCash to Mainland China and Macau spending categories to earn up to 2.4% RewardCash rebate.
HK$60,000
Min. Annual Salary
2.4%
RewardCash Rebate
HK$4.17 = 1 Mile
Miles Conversion (local spend)

Apply through MoneySmart and redeem for any of these:

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MoneySmart Exclusive
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Branden Safe Plus Wallet Bag (Value: HK$305, random color)

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Branden Safe Plus Wallet Bag (Value: HK$305, random color)

MoneySmart Exclusive
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Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)

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Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)

MoneySmart Exclusive
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Name: Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)

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Name: Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)

MoneySmart Exclusive
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Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code (upon claim submission, terms & conditions applied)

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Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code (upon claim submission, terms & conditions applied)

HSBC Welcome Offer
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$600 RewardCash

Valid Until 28 February 2027

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$600 RewardCash

Valid Until 28 February 2027

HSBC Cash Instalment Plan Promotion
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$200 RewardCash

Valid Until 28 February 2027

Reward image

$200 RewardCash

Valid Until 28 February 2027

MoneySmart Exclusive

【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $800 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
ポ3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
ポBranden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $800 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)! Terms and conditions apply.

Valid till 31 Oct 2026

ARE YOU ELIGIBLE?

  • Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)

  • After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page.

  • "New Credit Card Customers" refers to customers without ay approved personal primary credit card when HSBC process the application for an Eligible Credit Card.

  • Customers must complete and submit the redemption form with card approval proof after logging in to MoneySmart on or before 10 November, 2026 to be eligible for extra rewards.

WHAT YOU NEED TO KNOW

  1. 【MoneySmart Exclusive Offer】
    From now until 31 October 2026, successfully apply for any designated HSBC Credit Card via MoneySmart, and submit the redemption form on or before 10 November 2026, you can earn :
    ⚡️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code*Promotion is subject to terms and conditions; AND
    ポPlaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
    ポBranden Safe Plus Wallet Bag (Value: HK$305, random color)
    ポKodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)

  2. 【Limited-time welcome offer – earn up to $800 RewardCash】
    1. Welcome offer: Earn $800 RewardCash
    From 1 March 2026 to 28 February 2027, New Credit Card Customers who successfully apply via MoneySmart and get approved for an Eligible Credit Card will receive the following reward upon fulfilling the desiganted requirement:
    ポHSBC UnionPay Dual Currency Credit Card, HSBC Gold Card: $800 RC by making Eligible Transactions of HK$8,000 or above within the first 60 calendar days after card issuance
    ポHSBC Visa Gold Card for Students: $300 RC by making Eligible Transactions of HK$8,000 or above within the first 60 calendar days after card issuance; apply for Octopus AAVS to earn an additional HK$150 spending rebate
    ⠀⠀

    2. Cash Instalment Plan: Additional $200 RewardCash
    New Credit Card Customers who activate the Eligible Credit Card, and successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HKD20,000 and with a repayment period of 12 months or above within the first 60 calendar days after card issuance, can enjoy an extra $200 RewardCash.

    T&Cs apply.

  3. 【🍎Apple Exclusive | Enjoy Up to 8% RewardCash rebate!】
    1. From 10 September to 13 November 2026, accumulate eligible spending of HK$5,000 or more (single net spending of HK$500 or above) using your HSBC credit card via Apple Store offline, Apple Store Online or Apple Store app to earn an additional 6% RewardCash rebate (Max. rebate: $350 RC throughout the period)
    ⠀⠀

    2. During the promotional period, make an eligible purchase of HK$1,000 or more using your HSBC credit card via Apple Pay at Apple Stores, the Apple Store online store, or the Apple Store App, and successfully set up a Spending Instalment Plan of 12 months or longer, you'll enjoy an additional 2% RewardCash rebate (Max. rebate: $400 RC).

  4. "New Credit Card Customers" refer to customers without any approved personal primary credit card issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns) when HSBC process the application for the Eligible Credit Card.
    "Existing Credit Card Customers" refer to customers with any approved personal primary credit card issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns) when HSBC process the application for the Eligible Credit Card.

  5. MoneySmart Exclusive Offer is provided by MoneySmart, The Hongkong and Shanghai Banking Corporation Limited has no relation with its redemption, usage and dispute

T&CsFAQClaim Form

Card Details

Good For

Frequent business travelers between Hong Kong and Mainland China who desire rewards for local spending.  
Residents of Hong Kong seeking flexible payment with dual currency convenience for everyday shopping.  
Digital-savvy individuals preferring QR code payments at designated merchants across Greater China regions.

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