^HK$250,000

Min. Annual Salary

0.5%

Cash back on local spend

HK$6 = 1 mile

Miles Conversion (local spend)

All Details

• Key Features

  • Enjoy Octopus Automatic Add-Value Service

  • Enjoy HK$1=0.5% cashback

  • Also HK$6=1 Mile

  • Enjoy "MasterCard SecureCode service" making Internet transactions safer

Air Miles

• HK$6 = 1 mile

• No handling fee needed. Air miles will be automatically converted every month

• This card can only convert the accumulated points to PhoenixMiles

• Cardholders can only choose either cashback or air miles

Overseas Spending

• Hertz car rental discount and upgrade offer

• 20% off Cotai Water Jet city route adult full fare first-class ticket

• 4-for-1 TurboJET regular fare round trip tickets

• Offers for Macao Cotai Central, the Parisian Macao and the Venetian Macao

Cash Back

• HK$1 = 0.5% cashback

• No handling fee needed. Rebate amount will be automatically converted every month

• Cardholders can only choose either cashback or air miles

Welcome Offers

• Enjoy the below welcome offers upon fulfilling the designated spending requirements within the first 2 months of card issuance:

• Enjoy HK$150 free credit card spending limit for spending HK$1,500

• Enjoy HK$300 free credit card spending limit for spending HK$1,500 and getting this credit card and another designated credit card

Best Credit Cards

• Cardholders enjoy the flexibility to choose between Mileage Rewards or Cash Rebate

• Even Octopus Automatic Add Value Service enjoys rebate

• New customer can enjoy HK$150 free credit card spending limit

Annual Interest Rate and Fees

Annual Principal Fee	N/A
Supplementary Annual Fee	HK$950
Fee Waiver	N/A
Interest Free Period	Up to 55 days
Annual Interest Rate	36.76%
Late Payment Fees	5% of min. pay
Minimum Monthly Repayment	HK$50
Foreign Currency Transaction Fee	3.90%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	N/A
Overlimit Fee	N/A

Minimum Income Requirements

Local Resident	HK$250,000

Card Association

Mastercard