Best PrimeCredit Cash Back Credit Cards in Hong Kong

Updated January 2020

Earn cash rebate in designated spending categories with PrimeCredit cash back credit cards. Learn more now!

Popular PrimeCredit Cash Back Credit Cards

Extra HK$300 cash rebate

WeWa UnionPay Card

$0

Min. Annual Salary

0.40%

Cash back on overseas spend

4%

Cash back on 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 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 29 Feb 2020.

Cash Back Features

  • Basic Cash Rebate: Every HK$250 spending rebates HK$1
  • Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
  • 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 overseas spend

2%

Cash back on local spend

MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 29 Feb 2020.
  • Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 29 Feb 2020.

Cash Back Features

    • Up to 2% Cash Rebate for all categories eligible purchase
    • Automatic Add Value Service in Octopus Card also have up to 2% cashback
    • HK$670 Cash Rebate (included the extra up to 2% cash rebate)
    • Extra HK$300 cash rebate for successful application through MoneySmart

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 29 Feb 2020.
  • Welcome offer: HK$200 Cash Rebate (equivalent to 10% Cash Rebate ) or OTO Back Snuggle or Panasonic Air Purifier
MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 29 Feb 2020.

Cash Back Features

  • Up to 2% Cash Rebate for all purchases (applies to all merchant categories)
  • Automatic Add Value Service in Octopus Card also have up to 2% cashback
  • Get HK$500 cashback as a welcome offer
  • Extra HK$300 cash rebate for successful application through MoneySmart

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

0.40%

Cash back on overseas spend

4%

Cash back on 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.

Cash Back Features

  • Basic Cash Rebate: Every HK$250 spending rebates HK$1
  • Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
  • 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
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