sim Credit Card
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
HK$1,000 Cash (automatically converted by 10,000 SmartPoints and will directly deposit into your FPS account)
HK$1,000 Cash (automatically converted by 10,000 SmartPoints and will directly deposit into your FPS account)
MoneySmart Exclusive
4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600)
4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600)
MoneySmart Exclusive
BRUNO Multi Grill Pot BOE065 (Value: HK$1,098, random color)
BRUNO Multi Grill Pot BOE065 (Value: HK$1,098, random color)
MoneySmart Exclusive
QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458, random color)
QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458, random color)
MoneySmart Exclusive
LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
⚡8-Day Flash【🔥Earn HK$1,000 Cash/ Up to HK$2,600 Rewards】
From 1 June until 8 June 2026, customers who successfully apply for sim Credit Card/ sim World Mastercard® via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance; OR select "Up to HKD100,000 6-month interest-free and monthly handling fee waived Cash Instalment Plan" as the sim Welcome offer, activate the credit card and successfully approved for the Cash Instalment Plan, can enjoy 🏨 Trip.com 8% Hotel Bookings Promo Code + ✈️ Trip.com HK$100 Flights Promo Code (upon claim submission); AND will be entitled one of the following gifts (choose 1 out of 5)🎁 :
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458)
・BRUNO BOE115 Compact Multi Grill Pot (Value: HK$1,098)
・[🔥Limited-time Upgrade] HK$1,000 Cash via FPS (automatically converted by 10,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
⠀⠀
💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!
Valid till 08 Jun 2026
ARE YOU ELIGIBLE?
You need to apply for the designated sim credit card through MoneySmart and have it approved by 31 July 2026. Must (1) Select "Up to HKD100,000 6-month interest-free and monthly handling fee waived Cash Instalment Plan" as your sim Welcome offer, activate the credit card and successfully approved for the Cash Instalment Plan by 30 June 2026 or (2) Spend HK$100 with eligible retail transactions made within 30 calendar days.
Must be a new cardholder.
* Referring to customers who do not currently holding and has not, within the past 12 calendar months from the month of application, cancelled nor held any principal card issued by the Card Issuer; and not currently using any loan or credit services of the Card Issuer or maintaining any loan or credit accounts with the Card Issuer and has not, within the past 24 calendar months from the month of applicationBefore the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)
After clicking MoneySmart’s designated link, please complete the application form asap; Do not open another web page.
💡Quick Reminder: Speed up your approval process - After completing your online application, please screenshot your reference ID (which should be 88-XXXXXXXXX-X-03XX-thesim), and conduct digital ID verification on the sim Credit Card App. Complete the verification within 3 hours after application, sim will offer an additional HK$50 cash rebate!
WHAT YOU NEED TO KNOW
Customers must complete and submit the redemption form after logging in to MoneySmart on or before 15 June 2026
During the Campaign Period, new customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, activate the credit card and successfully approved for the Cash Instalment Plan, can enjoy Trip.com 8% Hotel Bookings Promo Code + Trip.com HK$100 Flights Promo Code (upon claim submission, terms and conditions apply
【MoneySmart Exclusive】
Eligible customers can choose 1 reward out of 5:
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100) or
・QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458)
・BRUNO BOE115 Compact Multi Grill Pot (Value: HK$1,098)
・HK$1,000 Cash via FPS (automatically converted by 10,000 SmartPoints and directly deposited into FPS account)【sim Welcome Offer】
During the Promotion Period, new customers who successfully apply for a sim Credit Card and fulfill the designated spending requirements can enjoy the following welcome offers:
1. No spending required:
A 6-month interest-free and handling fee-free Cash Installment Plan of up to HK$100,000.
⠀⠀
2. Accumulate eligible retail spending of HK$4,000:
・Up to HK$200 Cash Rebate OR
・HK$200 Apple Store Gift Card OR
・HK$500 Netflix Gift Card🙀【sim Credit Card - Everything by Instalment Reward】
From April 1 to June 30, 2026, apply for the Spending Instalment Plan via sim Credit Card app to enjoy 3 major rewards:
🆓 Reward 1: 0% Monthly Handling Fee for the first 3 months
Customers successfully apply for an Eligible Spending Instalment Plan, in respect of a single Eligible Transaction in the amount of HKD2,000 or above, via a New Spending Instalment Account, will be entitled to 0% Monthly Handling Fee for the first 3 Eligible Spending Instalment Plans during the Promotion Period.
💰 Reward 2: Daily Reward - First 4 Customers Daily Get HK$1,000 Cashback
Starting from 11:00 AM each day during the Promotion Period, the first 4 customers who successfully apply for an Eligible Spending Instalment Plan^ with 6-month tenor or more will be entitled to a HK$1,000 Cashback.
📱 Reward 3: Weekly Reward - First Customer Every Wednesday Gets a 17 Smartphone
Starting from 11:00 AM every Wednesday, the first Eligible Cardholder to receive the Daily Reward on that day will receive one Apple Fan’s favorite 17 Smartphone (Reference Price: HK$9,399).
*Promotion is subject to Terms and Conditions.
^Designated Spending Instalment Plan refers to a single Spending Instalment transaction amount of HKD2,000 or above and tenor of 6 months or longer.
Card Details
Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Sim Credit Card Annual Fee, Income Requirements & Feature Overview
以下為 sim Credit Card 的主要資料：
| Item | Details |
|---|---|
| Annual Income Requirement | No minimum income requirement |
| Annual Fee | HK$800 (Waived for the first year; perpetual annual fee waiver for students) |
| Online Shopping Rebate | Up to 8% cash rebate |
| Key Features |
|
Is the sim Credit Card right for me?
To determine whether the sim Credit Card is right for you, consider its advantages and features:
- Highest Online Shopping Rebate in Town：It offers up to an 8% cash rebate on online shopping, which is higher than most other credit cards on the market.
- Highest Transport Rebate in Town：The sim Credit Card provides up to an 8% cash rebate on public transport, including buses, the MTR, and trams.
- Extremely Low Application Threshold：It is one of the few credit cards with absolutely no income requirements. Students, slashers, self-employed individuals, and homemakers can all apply and use it instantly upon approval.
Latest sim Credit Card Spending Rebates 2026
以下為 sim Credit Card 的消費回贈詳情：
| Spending Category | Rebate Rate | Merchant List / Details | Monthly Rebate Cap |
|---|---|---|---|
| Online Retail Spending | 8% (Min. $500 per single transaction) | Eligible online retail transactions | Combined HK$200 cap |
| Local Public Transport | 8% | Citybus and Cityflyer, KMB, LWB, MTR, Hong Kong Tramways, Star Ferry | Included within the HK$200 combined cap |
| Medical/Healthcare and Fitness Center Spending | 6% | Merchants classified under "Medical Services" or "Fitness Centers" by global credit card organizations and card issuers. Promotion Period: Dec 1, 2025 – May 31, 2026 |
Maximum total rebate of HK$6,000 during the promotion period |
| Designated Local Merchants | 3% | Adidas, Fila, PUMA, Matsumoto Kiyoshi, Tokyo Lifestyle | Included within the HK$200 combined cap |
| Mobile Payments (Apple Pay and Google Pay only) | Approx. 3.2% | Accumulated non-online spending via Apple Pay or Google Pay. Excludes transactions via e-wallets (including but not limited to Alipay, WeChat Pay, PayMe). Promotion Period: Mar 4, 2026 – May 31, 2026 • Frequent Spending Reward: Earn HK$5 rebate per single non-online transaction* of HK$150 or more (Max HK$90 cash rebate for the whole period). • Monthly Spending Reward: Accumulate designated amounts in non-online spending* per phase to earn up to HK$2,300 cash rebate. |
Maximum total rebate of HK$2,390 during the promotion period |
| App Bill Payment (Physical card must be activated) | 2% | CLP Power, HK Electric, Hong Kong Housing Authority, Water Supplies Department, Rates and Government Rent, student government loan repayments. Promotion Period: From now until Apr 30, 2026. |
Subject to spending cap |
| General Spending | 0.4% | Eligible spending | No Cap |
How to Unlock the sim Credit Card 8% Cash Rebate?
You must fulfill both of the following requirements within the same calendar month to receive the 8% rebate; otherwise, you will only earn the 0.4% base rebate.
- Requirement 1: Spend at least HK$1,000 on non-online purchases. Cardholders must first accumulate at least HK$1,000 in physical retail stores, restaurants, or other offline spending.
- Requirement 2: Single online purchase must be at least HK$500. Only after fulfilling Requirement 1 will any single online transaction of HK$500 or above qualify for the 8% rebate.
MoneySmart sim Credit Card Welcome Offer
Apply for the sim Credit Card through MoneySmart to enjoy exclusive welcome offers, including lucrative cash rebates or premium gifts!
sim Credit Card Ineligible Retail Spending: Does it include insurance?
The following transactions do not qualify for rewards:
- Cash advance transactions
- Payment of credit card fees and charges
- Tax payments to the Inland Revenue Department
- Payments to any other relevant government departments
- All payments made to insurance companies
- Casino transactions
- Any currency or e-money transfer transactions
- Top-ups/transfers made via or related to e-wallets (including but not limited to Alipay, WeChat Pay, PayMe), etc.
sim Credit Card Merchant Offers: Valid During Promotion Period
- Expedia (Hong Kong): 10% off hotel bookings.
- Agoda: Up to 10% off hotel bookings.
- Suning: HK$50 instant discount upon spending HK$2,500 or more.
- Lung Fung Group: From February 1 to July 31, 2026, spend HK$300 or more in a single transaction using the physical card at any Lung Fung physical store in Hong Kong to enjoy a 6% cash rebate (monthly cap of HK$200).
How to Waive sim Credit Card Annual Fee?
- Check your statement: Keep an eye out for the HK$800 annual fee charge.
- Call the hotline: Dial the customer service hotline located on the back of your sim Credit Card.
- Process via Voice System or App: sim primarily handles services through its App or hotline. You can inform customer service that you wish to request an annual fee waiver.
- Approval Result: Customer service will usually reply instantly or within a few working days.
Frequently Asked Questions (FAQ)
Does the sim Credit Card charge an annual fee?
- The sim Credit Card annual fee is HK$800, but it is waived for the first year. General customers can call the customer service hotline to apply for a fee waiver after the first year.
Can I withdraw cash with the sim Credit Card?
- Yes. Once you receive your physical sim Credit Card and set up your "ATM PIN", you can withdraw cash from any JETCO ATM that supports Mastercard.
How do I make payments and what is the sim credit card PPS code?
- Payments are primarily made through the sim Credit Card App. You can also use FPS, Autopay, or PPS. If you are paying via PPS, you will need to search for the specific sim credit card pps code / merchant code on the PPS platform or your monthly statement to register your card account before making a payment.
How long is the sim Credit Card interest-free period?
- The sim Credit Card offers an interest-free repayment period of up to 53 days.
Is the approval time fast for the sim Credit Card?
- Approval can be completed in as fast as three minutes. After submitting the application form online, downloading the sim Credit Card App and completing the electronic identity verification (eIDV) can speed up the process. Once approved, you can immediately bind the virtual card to Apple Pay or Google Pay and start spending in stores or online without waiting for the physical card.