Best PrimeCredit Credit Cards in Hong Kong

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.

Popular PrimeCredit Credit Cards

Extra HK$300 cash rebate

WeWa UnionPay Card

$0

Min. Annual Salary

4%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate .Valid till 29 Feb 2020.Valid till 31 Oct 2019.
  • Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or HK$500 Cash Rebate or Ocean Park SmartFun Annual Pass (Gold Pass)
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate .Valid till 29 Feb 2020.Valid till 31 Oct 2019.

Key Features

  • Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
  • Access to 130 designated LoungeKey airport lounges
  • HK$1 for handcrafted beverages in HK Aiport Pacific Coffee
  • Handling fee waiver for overseas spending
  • Buy 1 get 1 free ticket in Cinema City on Friday or Saturday
  • WeWa Credit Card brings you a brand-new  “Spot N Win” lucky draw where you can win fabulous prizes after (Weward) OR before (Preward) using your WeWa credit card. From 2 September 2019 to 29 February 2020, you are guaranteed to win a prize, such as 100% off on a single transaction with the “Spot N Win” lucky draw through the OmyCard App, and will also automatically gain an entry of our Grand Lucky Draw and may win HK$50,000 Club Med Cash Voucher for Travel! (Trade Promotion Competition Licence Number: 52551-6)

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$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 Period53 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay

Extra HK$300 cash rebate

EarnMORE UnionPay Card

HK$0

Min. Annual Salary

2%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 31 Dec 2019.
  • Welcome Offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or OTO Qseat or HK$600 Häagen-Dazs™ Gift Voucher
MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 31 Dec 2019.

Key Features

  • Up to 2% Cash Rebate for all categories eligible purchase
  • Automatic Add Value Service in Octopus Card also have up to 2% cashback
  • Access to 130 designated LoungeKey airport lounges
  • Buy 1 get 1 free ticket in Cinema City on Friday or Saturday

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$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 Period53 days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay

Extra HK$300 cash rebate

EarnMORE UnionPay Card (applicable to designated Full-time University /Tertiary Students)

HK$0

Min. Annual Salary

2%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 31 Dec 2019.
  • Welcome offer: HK$200 Cash Rebate (equivalent to 10% Cash Rebate ) or OTO Qseat or HK$600 Häagen-Dazs™ Gift Voucher
MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 31 Dec 2019.

Key Features

  • Up to 2% Cash Rebate for all categories eligible purchase
  • Automatic Add Value Service in Octopus Card also have up to 2% cashback
  • Access to 130 designated LoungeKey airport lounges
  • Buy 1 get 1 free ticket in Cinema City on Friday or Saturday

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$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 Period53 days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay

Extra HK$300 cash rebate

WeWa UnionPay Card (applicable to designated Full-time University /Tertiary Students)

$0

Min. Annual Salary

4%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate.Valid till 29 Feb 2020.Valid till 29 Feb 2020.
  • Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or Ocean Park SmartFun Annual Pass (Gold Pass)
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate.Valid till 29 Feb 2020.Valid till 29 Feb 2020.

Key Features

  • Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
  • Access to 130 designated LoungeKey airport lounges
  • HK$1 for handcrafted beverages in HK Aiport Pacific Coffee
  • Handling fee waiver for overseas spending
  • Buy 1 get 1 free ticket in Cinema City on Friday or Saturday
  • WeWa Credit Card brings you a brand-new “Spot N Win” lucky draw where you can win fabulous prizes after (Weward) OR before (Preward) using your WeWa credit card.From 2 September 2019 to 29 February 2020, you are guaranteed to win a prize, such as 100% off on a single transaction with the “Spot N Win” lucky draw through the OmyCard App, and will also automatically gain an entry of our Grand Lucky Draw and may win HK$50,000 Club Med Cash Voucher for Travel! (Trade Promotion Competition Licence Number: 52551-6)

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$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 Period53 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay
All results loaded

Best PrimeCredit Credit Cards in Hong Kong 2019

CREDIT CARDMINIMUM INCOMEBENEFITS
EarnMORE UnionPay Credit CardHK$0Up to 4% Cash Rebate for transactions within specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”) all year round.
WeWa UnionPay Credit CardHK$0Up to 2% Cash Rebate for all categories eligible purchase all year round,
Star Travel Credit CardHK$0Up to 5% Cash Rebate for transactions with China National Travel Service (CTS) all year round, plus complimentary Starry membership at CTS.

PrimeCredit Credit Card Promotions

  1. Up to 12% extra cash rebate for transactions with Suning Store when successfully registering with the OmyCard Mobile App from July 1st to August 31st, 2019.
  2. Enjoy $100 discount for hotel bookings of HK$1,000 or above in a single transaction at the hutchgo.com website or mobile app on or before August 31, 2019.
  3. Enjoy a 16% discount when purchasing the signature blueberry cheesecake (1lb) at the Prince Hotel from now till December 31st, 2019.
  4. Buy 1 get 1 free 3D or 2D movie ticket discount at the CINEMA CITY 
  5. Enjoy $100 discount for online purchase of HK$500 or above in a single transaction at Zalora on or before November 30, 2019.

What Makes AEON Credit Cards Stand Out

WeWa UnionPay Credit Card

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.

EarnMORE UnionPay Credit Card

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.

Star Travel Credit Card

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.

PrimeCredit Credit Card Rewards

  1. Travel offer:
    You can earn up to 4% cash rebate in the travel category all year round with WeWa UnionPay credit card. You can also enjoy instant discounts at designated merchants such as Agoda or China Travel Service or Hutchgo.com. 
  2. Credit card welcome offer:
    From now until August 31, 2019, applicants who successfully applied for a WeWa credit card and who has accumulated spending of HK$12,000 within 90 days after the card is issued can enjoy a single round-trip standard ticket to Japan. 

How to apply for PrimeCredit credit cards

Eligibility Criteria

There is no requirement of the minimum annual salary for applying for PrimeCredit credit card.

Documents Required

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).

Frequently Asked Questions

How long will my PrimeCredit credit card take to get approved?

Usually, the PrimeCredit credit card will be approved within 2 weeks.

What is the PrimeCredit hotline number?

For PrimeCredit credit card application, you can call 2269 8822.
You can also call the below hotline numbers for specific credit card enquiries:

  1. Unionpay Diamond Card: 2269 8800
  2. Visa Platinum Card: 2269 8888
  3. Visa credit card: 2269 8899

What are the difference between EarnMORE Card and WeWa Card?

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).

Can I apply for PrimeCredit credit cards without salary proof?

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.

Does EarnMORE credit card set a limit to its cashback amount?

There is no capped cashback amount for EarnMore credit card. You can earn 2% cash rebate in all category all year round.