Up to 8% cashback on online retail transactions*
Up to 8% cashback on online retail transactions*
sim Credit Card
A must-have for online shopping enthusiasts! Enjoy up to 8% cashback on online retail transactions* and local transportation transactions. Also a 3% cashback on eligible local retail transactions* with major designated merchants. Earning cashback by using your card is as simple as that!
Card Details
Good For
Online shopping enthusiasts benefiting from up to 8% cashback on digital retail purchases.
Commuters saving through cashback with transactions at major local public transport networks.
Full-time students enjoying perpetual annual fee waiver and first-year free exclusive offers
Things to Note
The principal card incurs a HKD800 annual fee after the first year, impacting overall savings.
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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.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.