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Updated October 2019
Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good PrimeCredit credit card to complement your spending habits.
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
| CREDIT CARD | MINIMUM INCOME | BENEFITS |
|---|---|---|
| EarnMORE UnionPay Credit Card | HK$0 | Up to 4% Cash Rebate for transactions within specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”) all year round. |
| WeWa UnionPay Credit Card | HK$0 | Up to 2% Cash Rebate for all categories eligible purchase all year round, |
| Star Travel Credit Card | HK$0 | Up to 5% Cash Rebate for transactions with China National Travel Service (CTS) all year round, plus complimentary Starry membership at CTS. |
You can earn up to 4% Cash Rebate for transactions within specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”) all year round (equivalent to HK$10 Cash Rebate for every HK$250 spending). You can also receive a complimentary set of round-trip Standard Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa) as a welcome gift.
You can earn up to 2% Cash Rebate for all eligible transactions all year round, including adding value service in Octopus Card. You can also receive OTO Qseat/ HK$600 Häagen-Dazs™ Gift Voucher/ HK$500 Cash Rebate as your welcome gift.
You can enjoy up to 5% Cash Rebate for transactions with China National Travel Service (CTS) all year round, plus complimentary Starry membership at CTS. You can also receive HK$300 Cash Rebate as your welcome gift.
There is no requirement of the minimum annual salary for applying for PrimeCredit credit card.
You will need to submit your Hong Kong Identity Card, income proof (last two months), bank statement/saving passbook of your Transfer Account bearing your name and account number, latest residential address proof (last three months).
Usually, the PrimeCredit credit card will be approved within 2 weeks.
For PrimeCredit credit card application, you can call 2269 8822.
You can also call the below hotline numbers for specific credit card enquiries:
EarnMORE credit card cardholders can earn 2% cash rebate in all category while WeWa card cardholders can earn 4% cash rebate in designated merchant categories (Travel, Cinema, Karaoke, Theme park).
You can apply for PrimeCredit credit card if income proof cannot be provided. However, you will need to submit your Hong Kong Identity Card, your latest residential address proof such as water bill and electricity bill, and your bank statement of your Transfer Account bearing your name and account number.
There is no capped cashback amount for EarnMore credit card. You can earn 2% cash rebate in all category all year round.