Best Student Credit Cards in Hong Kong

Compare credit cards for students in Hong Kong to earn welcome offers, special student discounts, rewards and more. Apply student credit card with no income proof needed. Read More
We found 10 Credit Cards for you!
HSBC Visa Gold Card for Students
Bank Promo
Up to $300 RewardCash welcome offer
RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
RewardCash
$300
Bank Promo:
Limited-time offer: up to $300 RewardCash when you successfully apply for an HSBC Visa Gold Card for Students. 
 
Earn up to $400 RewardCash when you pay your tuition fee via HSBC online channels with the card. 
Valid until 30 Jun 2024 - See more details below
Apply NowApply directly on MoneySmart
WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra $300 vouchers from MoneySmart?  From now until 30 June 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 in theRewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)



【PrimeCredit x MoneySmart】From now until June 30 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Delsey S-Series 30 inch Front
Loader Expandable Suitcase or Panasonic nanoe® Hair Dryer (EH-NA9K) or HK$500
Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 30 Jun 2024 - See more details below
Apply Now
DBS LIVE FRESH (STUDENT CARD)
Min. Annual Salary
HK$0
Cash back on Online Overseas spend
1%
Cash Back for Designated Online Transaction
5%
Apply Now
EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
3 Complimentary airport lounges access per year
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash back on local spend
2%

【MoneySmart Exclusive Offer】Want to get extra $300 vouchers from MoneySmart?  From now until 31 May 2024, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 in the Rewards Store(over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)



[PrimeCredit x MoneySmart] From now until June 30, apply EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) Or  OTO Vanda 2.0 massage chair (VN-05) (Suggested price: HK$13,800) Or German Pool Smart Air
Purifier Fan (EFB-426HM-SC) (Suggested price: HK$2,480) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (**Extra reward will be fulfilled by PrimeCredit)

Valid until 30 Jun 2024 - See more details below
Apply Now
Hang Seng enJoy Card
MoneySmart Exclusive
Up to 4x Points to spend as cash
Promotion ends in
Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points

【Make Every Grocery Trip Count: Enjoy the Limited-time Offer up to HK$1,599!】
From now until 20 June, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart simply spend HK$1,200 within 30 days after card issuance, can enjoy an extra POLAROID Now+ i-Type Instant Camera (Retail Value : HK$1,599) or German Pool Multifunctional Cordless Vacuum Cleaner (Retail Value: HK$1,380) or Jollying 24" Pebble Collapsible Suitcase Foldable Luggage (Retail Value: HK$1,499) or  HK$1,200 Apple Store Gift Card or HK$1,200 PARKnSHOP Supermarket voucher! You can also enjoy up to 120,000 yuu Points (equivalent to rewards worth HK$600) upon meeting the specified spending requirements!

Valid until 20 Jun 2024 - See more details below
Apply Now
WeWa UnionPay Diamond Card
MoneySmart Exclusive
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra $300 vouchers from MoneySmart?  From now until 30 June 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 in theRewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)

【PrimeCredit x MoneySmart】From now until June 30 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Delsey S-Series 30 inch Front
Loader Expandable Suitcase or Panasonic nanoe® Hair Dryer (EH-NA9K) or HK$500
Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$50 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 500 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 30 Jun 2024 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%

【MoneySmart Exclusive Offer】Want to get extra $300 vouchers from MoneySmart?  From now until 30 June 2024, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 in the Rewards Store(over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)





[PrimeCredit x MoneySmart] From now until June 30, apply EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) Or  OTO Vanda 2.0 massage chair (VN-05) (Suggested price: HK$13,800) Or German Pool Smart Air
Purifier Fan (EFB-426HM-SC) (Suggested price: HK$2,480) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (**Extra reward will be fulfilled by PrimeCredit)



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$50 for Every Referral! 】
Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 500 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 30 Jun 2024 - See more details below
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

From now until 30 June 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a HK$200 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! 

💡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, and sim will offer an additional HK$50 cash rebate!

Including the sim welcome offer up to HK$700 and HK$50 cash rebate, you can enjoy up to HK$1,050 rewards in total!

Valid until 30 Jun 2024 - See more details below
Apply NowApply directly on MoneySmart
sim Credit Card
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

From now until 30 June 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a HK$200 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! 



💡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, and sim will offer an additional HK$50 cash rebate!



Including the sim welcome offer up to HK$700 and HK$50 cash rebate, you can enjoy up to HK$1,050 rewards in total!

Valid until 30 Jun 2024 - See more details below
Apply NowApply directly on MoneySmart
Hang Seng MMPOWER World Mastercard®
MoneySmart Exclusive
Get 6% +FUN Dollars on overseas spending
Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on selected spending categories
6%
+FUN Dollars rebate on Online Retail Transaction
5%

【Limited-time Offer: Earn the POLAROID Instant Camera 📸 or HK$1,300 Cash Coupon!】
From now until 30 June, new credit card customers* who successfully applied for the Hang Seng MMPOWER World Mastercard via MoneySmart simply spend HK$1,300 within 30 days after card issuance, can enjoy an extra POLAROID Now+ i-Type Instant Camera (Retail Value : HK$1,599) or German Pool Multifunctional Cordless Vacuum Cleaner (Retail Value: HK$1,380) or Jollying 24" Pebble Collapsible Suitcase Foldable Luggage (Retail Value: HK$1,499) or  HK$1,300 Apple Store Gift Card or HK$1,300 PARKnSHOP Supermarket voucher!



【MMPOWER Super Deal】From now until 30 June, 2024, customers who earn 6% +FUN Dollars in overseas foreign currencies spending, 5% +FUN Dollars in online retail spending and 1% +FUN Dollars in your selected spending categories upon meeting accumulative monthly eligible retail spending of HKD5,000, can earn up to $500 +FUN Dollars per month! You can also enjoy up to $700 +FUN Dollars welcome offer upon meeting the designated spending requirements! Existing cardholders can get HK$700 PARKnSHOP Supermarket voucher through spending HK$700!

Valid until 30 Jun 2024 - See more details below
Apply Now

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.

Best Credit Cards for Students 2023

Student Credit CardBenefitsWelcome Offers
Hang Seng enJoy CardUp to 2.4% Cash Dollars rebate for spending in foreign currencyUp to HK$400 enJoy Dollars
WeWa Union Pay Card 4% Cash Rebate for transactions within specific categoriesUp to HK$300 cash rebate
Citi Clear CardUp to 2% cash rebate for spending in foreign currency online HK$200 Cash Rebate
DBS Live Fresh (Student Card)Up to 6% Cash RebateN/A
AEON UnionPay Credit Card Enjoy 5% off at AEON on "Thanksgiving Days" and permanent annual fee waiver 2% rebate offer
Hang Seng MPOWER Card5% Cash Dollars rebate in online shopping, overseas spending and mobile paymentUp to 8 movie tickets/ Up to $700 Cash Dollars
HSBC Visa Gold Card (Student)Enjoy up to 2.4% RewardCash rebate on eligible online and overseas transactionsUp to $300 RewardCash

Best Student Credit Cards in Hong Kong

Are you a full-time university or tertiary institution student looking for credit card deals? You are not alone. Students nowadays have all sorts of expenses from tuition fees, exchange programmes to social networking. There are many student credit cards that offer student-specific rewards such as cash rebate on tuition fee payment. Also, if you hold a student credit card early, you will be able to establish a credit history earlier for yourself.

HSBC Student Credit Card - HSBC Visa Gold Card (Student)

HSBC offers HSBC Visa Gold Card that is tailor-made for students. It provides a wide range of rewards in your school life from tuition fee payment, dining, entertainment to online and overseas spending. From now to 2 March 2020, you can enjoy up to 2.4% RewardCash rebate on your tuition fee payment to designated education institutions via the HSBC HK Mobile Banking App or Personal Internet Banking, at a maximum rebate amount of HK$400 RewardCash. In addition to RewardCash rebate on tuition fee payment, you will also enjoy up to 2.4% RewardCash rebate on online and overseas spending by registering for “Red Hot Online and Overseas Spending Rewards” with your HSBC Visa Gold Card.

This HSBC student credit card also offers you exclusive discounts and privileges at a host of merchants. You can enjoy 15% off regular-priced tickets at CGV Cinemas, year-round hotel dining offers at selected hotels such as Harbour Plaza 8 Degrees, The Langham and more, and HK$30 instant discount at the Eslite bookstore for a single transaction of HK$300 or above and HK$300 spending rebate for transactions made on the Cathay Pacific App via Apple Pay.

Citibank Student Credit Card - Citi Clear Card (Student)

If you are a full-time student of any degree/diploma program in an eligible tertiary institution in Hong Kong, you can apply for Citi Clear Student Card. It offers an array of online shopping and entertainment privileges to students in Hong Kong. You can enjoy a 2% cash rebate on online spending in foreign currency and a 0.4% cash rebate on other spendings. To provide you with peace of mind, Citi will send you SMS alerts whenever your online transaction reaches HK$500. With this Citibank Student Credit Card, you can also enjoy priority bookings on entertainment shows and buy 1-get-1-free movie tickets every Friday to Sunday.

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Student Credit Card Promotions & Offers

No Minimum Income Requirements

Many student credit cards including Hang Seng enJoy Card, WeWa Union Pay Card, Citi Clear Card, AEON UnionPay Credit Card and EarnMORE UnionPay Card do not have minimum income requirement. However, students are required to submit proof of student status.

Annual Fee Waiver

Some credit cards offer an annual fee waiver. For example, Hang Seng enJoy Card offers perpetual annual fee waiver while WeWa Union Pay Card and Citi Clear Card offer a 2-year and 1-year annual fee waiver. In general, cardholders can usually request for an annual fee waiver if your credit card is actively in use.

Rewards

Credit cards offer a host of rewards from cash rebate to air miles and more. For example, WeWa Union Pay Card offers up to 4% Cash Rebate for spending in specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”) throughout the year. With EarnMORE UnionPay Card, cardholders can earn up to 2% Cash Rebate for eligible transactions including Octopus AAVS. Citi Clear Card even offers Buy-1-Get-1-Free 3D and 2D movie tickets from every Friday to Sunday.

How to Apply for a Student Credit Card?

  • Most banks require the student credit card applicants to be full-time University or Tertiary Institution students
  • Applicants have to be over the age of 18
  • Most banks do not have a minimum annual income requirement
  • You will have to provide proper documentation such as identification proof, residential address proof, and a valid Tertiary student identity card
  • University Student Credit Cards V.S. Student Credit Cards From Finance Institutions

    Co-branded credit cards for students are usually designed to provide offers within the campus only. Also, part of the spending will be donated to the related institution for school development. Student credit cards from finance institutions provide a host of everyday benefits. For example, with WeWa Union Pay Card, cardholders can enjoy up to 4% Cash Rebate for spending in specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”).

    Movie Ticket Offers of Student Credit Cards

    Offer 1

    HSBC Visa Gold Card

    Enjoy 15% off regular-priced movie tickets and 5% off popcorn and cup beverages at CGV Cinemas.

    Offer 2

    Hang Seng MPOWER Card

    Besides online handing fee waiver, cardholders can use $1 Cash Dollar to redeem an extra movie ticket on every last Friday of each month upon buying a regular-priced ticket of the same show at MCL Cinemas.

    Offer 3

    Wewa Card

    Enjoy buy-1-get-1 free 2D/3D/IMAX 2D regular-priced movie tickets on Fridays in UA cinemas.

    Offer 4

    Citi Clear Card

    Enjoy buy-1-Get-1-Free 3D and 2D movie tickets from Friday, to Sunday at Cinema City.

    Student Credit Card Welcome Offers

    Credit cards offer an array of welcome offers if cardholders can meet the spending requirements set out by the card issuer within a specified time frame. For example, Citi Clear Card offers HK$200 cash rebate as welcome offers if cardholders can accumulate spending of HK$2,500 or above within the first 2 months from the date of card issuance.

    Frequently Asked Questions

    Which student credit cards are the most popular?

    Popular student credit cards include: WeWa UnionPay Diamond Card (4% cash back on travel spending) and HSBC Visa Gold Card for Students (2.4% RewardCash on tuition fee payment). Apply on MoneySmart now for extra rewards!

    How to check if a credit card accepts student applicants?

    Most major banks offer student credit cards such as HSBC, Hang Seng, Citi, etc. However, please note that some applications are only open to students from specified institutions.

    Can you use a credit card to pay off student loans?

    Yes. With designated credit cards, you can even earn air miles or cash rebate for paying school fees. With Hang Seng enJoy Card, you can get HK$1 Cash Dollars for every HK$200, i.e. 0.5% rebate.

    What banks offer student credit cards?

    There are many banks offering student credit cards. For example, Hang Seng enJoy Card, WeWa Union Pa Card, Citi Clear Card, AEON UnionPay Credit Card, HSBC Visa Gold Card and EarnMORE UnionPay Card.

    Can I get a student credit card without a job?

    Most student credit cards do not have a minimum income requirement. However, please note that some credit cards are only applicable to students from selected institutions.