^HK$96,000

Min. Annual Salary

5%

Cash back on local spend

N/A

Miles Conversion (local spend)

All Details

• Key Features

  • Split yours bills with unlimited 3-month interest-free instalments in just a few clicks, applicable to any retail spending of HKD500 or above.

  • No annual fee, no foreign exchange fees, no cash advance fees.

  • 5% CashBack on any day when shopping at selected everyday merchants

Best Credit Cards

Cash Back

• Eligible Transactions made at selected merchants can earn HKD1 CashBack for every HKD20 spent (5% Cashback Percentage)

• Other eligible transactions can earn HKD1 CashBack for every HKD180 spent (0.56% Cashback Percentage)

Welcome Offers

• 25% CashBack on all Eligible Transactions.Spend HKD4,000 in the first 2 months to earn up to HKD1,000 CashBack.

• Up to HKD500 CashBack for setup of automatic recurring transactions

• HKD100 CashBack for new Online Banking users

Annual Interest Rate and Fees

Annual Principal Fee	No Annual Fee
Supplementary Annual Fee	N/A
Fee Waiver
Interest Free Period	Up to 56 days
Annual Interest Rate	33.41%
Late Payment Fees	5% of the Outstanding Balance (minimum cap of HKD220 and a maximum cap of HKD350) OR the Minimum Payment Due, whichever is lower
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher
Foreign Currency Transaction Fee	No foreign exchange fees
Foreign Check Fee	HK$100
Cash Advance Transaction Fee	No cash advance fee
Overlimit Fee	HK$100

Minimum Income Requirements

Local Resident	HK$96,000

Card Association

Visa

Wireless Payment

Visa payWave