^HK$120,000

Min. Annual Salary

Up to 4.4%

RewardCash Rebate

HK$4.17 = 1 Mile

Miles Conversion (local spend)

All Details

• Key Features

  • Welcome Offer: get $800 RewardCash (for new credit card customers) if you make eligible transactions of HK$8,000 or above within the first 60 days of card issuance.

  • New Credit Card Customers can enjoy an extra $200 RewardCash if successfully applied for a Cash Instalment Plan.

  • Extra $100 RewardCash by using the QR Code Payment function in HSBC Reward+

  • Annual fee waiver for the first 2 years

  • Up to extra 2% exclusive rebate for spending in Mainland China and Macau. No spending requirement is required.

  • Earn up to 2.4% RewardCash rebate with “Red Hot Rewards of Your Choice”

  • Buy 1 get 1 free at ÉPURE Tsim Sha Tsui, Zuma Central and La Rambla Central

  • Enjoy Extra Free Parking Hours at designated SHKP Malls

  • Foreign currency transaction fee = 1% (currencies other than HK$, RMB and Macau Pataca)

  • Terms and Conditions Apply

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

Dining

• Buy 1 get 1 free at ÉPURE Tsim Sha Tsui, Zuma Central and La Rambla Central

UnionPay

• Enjoy exclusive UnionPay privileges such as access to airport lounges

Air Miles

• HK$4.17 = 1 Mile (local spend)

• HK$2.27 = 1 Mile (online & overseas spend / spending in China or Macau)

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"

Overseas Spending

Welcome Offers

• Welcome offer: Enjoy up to $800 RewardCash for successful application!

• Extra $100 RewardCash by using the QR Code Payment function in HSBC Reward+

• Annual fee waiver for the first 2 years

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Fee Waiver
Interest Free Period	Up to 56 days
Late Payment Fees	Minimum payment due or HK$/RMB230, whichever is lower
Annualised Percentage Rate	36.43%
Minimum Monthly Repayment	Total fees and charges currently billed to each sub-account statement plus 1% of the statement balance (excluding any fees and charges currently billed) of each sub-account as at the statement date (minimum HK$50 for HKD sub-account/RMB50 for RMB sub-account) plus the overdue or overlimit due of each sub-account whichever is higher.
Foreign Currency Transaction Fee	1%
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

UnionPay

Credit Card Features

Airport Lounge Access
$0 Foreign Currency Transaction Fees