HSBC UnionPay Dual Currency Diamond Card

HK$150,000
Min. Annual Salary
2.4%
Cash back on local spend
HK$4.17 = 1 Mile
Miles Conversion (local spend)
HSBC UnionPay Dual Currency Diamond Card

HSBC UnionPay Dual Currency Diamond Card

Promotion
Promotions
Apply online to earn up to $900 RewardCash
  • Welcome gift:
    New customers: Spend HK$/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 travellers to China, who would enjoy good currency exchange rates 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
  • Buy 1 get 1 free movie ticket on Friday and Saturday at all Cinema City outlets
  • 3 times free entry to Plaza Premium lounge in year
  • Complimentary Wi-Fi package (worth HK$120) at Wifi BB and extra 20% off discount
  • Enjoy Airport Limousine Transfer in Hong Kong, Shanghai, Beijing and Cross border to Shenzhen Airport, at privileged rate of HK$250
  • Travelling with the Medical, Travel Assist, and Concierge Service
  • Low minimum annual income requirement of HK$150,000
Leisure
UnionPay
  • Enjoy flexible payment in HKD and RMB without being concerned about fluctuations in the exchange rate
  • Foreign currency transaction fee = 1%
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$1,800

Supplementary Annual Fee

HK$900

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$150,000

Foreigner Minimum Income

HK$150,000
Other

Card Association

UnionPay

Wireless Payment

N.A.

















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