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Updated October 2019
University students - tired of topping up your debit card? Not to worry, banks also offer student promotions for credit cards from payment networks such as Samsung Pay, Mastercard, and Visa.
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$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 Period | 53 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N.A |
| Interest Free Period | 1% of monthly balance + fees |
| Local Resident | HK$100,000 |
|---|---|
| Foreigner | HK$100,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa Paywave |
| Annual Interest Rate | 36.43% |
|---|---|
| Principle Annual Fee | HK$600 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance + fees |
| Interest Free Period | 56 days |
| Local Resident | HK$40,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard PayPass |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$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 Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$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 Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
HK$250 Voucher!
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 HK$220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
HK$250 Voucher!
HK$96,000
Min. Annual Salary
N.A.
Cash back on local spend
HK$4 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard contactless |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$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 Period | 53 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
HK$200 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$180 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.50% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
This card is also available for students studying in accredited universities in Hong Kong:
| Annual Interest Rate | 34.97% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$15,000 |
|---|---|
| Foreigner | HK$15,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | N/A |
| Annual Interest Rate | 34.97% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | The Minimum Payment Amount is HK$230 / CNY230 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii). |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$150,000
Min. Annual Salary
0.4%
Cash back on local spend
HK$8 = 1 mile
Miles Conversion (local spend)
| Annual Interest Rate | 34.49% |
|---|---|
| Principle Annual Fee | HK$1,000 |
| Supplementary Annual Fee | 500 |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | 1% of the statement balance or HK$200 (whichever is higher) |
| Interest Free Period |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$300 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | 1% of monthly balance + fees |
| Local Resident | HK$1 |
|---|---|
| Foreigner | HK$1 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N/A |
| Credit Card | Benefits | Welcome Offers |
|---|---|---|
| Hang Seng enJoy Card | Up to 2.4% Cash Dollars rebate for spending in foreign currency | Up to HK$400 enJoy Dollars + HK$3,500 designated merchant coupons |
| WeWa Union Pay Card | 4% Cash Rebate for transactions within specific categories | A round-trip ticket from Hong Kong to Japan |
| Citi Clear Card | Up to 2% cash rebate for spending in foreign currency online | HK$800 Cash Rebate + Buy-1-Get-1-Free movie tickets |
| DBS COMPASS VISA | 8% off at PARKnShop and Watson | Up to 8 movie tickets & $400 Cash Dollars |
| AEON UnionPay Credit Card | 5% off at AEON on "Thanksgiving Days" | Up to HK$500 + 3X Bonus points for overseas spending in Japan |
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 programme to social networking. There are many student credit cards that offer student-specific rewards such as cash rebate on tuition fee payment. By applying and holding a student credit card early, you will be able to establish a credit history for yourself.
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 1 July 2019 to 2 March 2020, you can enjoy up to 2.4% RewardCash rebate on your tuition fee payment to designated education institutions via the HSC HK Mobile Banking App or Personal Internet Banking, at a maximum rebate amount of 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 wide range of merchants. You can enjoy 15% off regular-priced tickets at CGV Cinemas, up to 30% off on designated dining outlets such as Outback Steakhouse, Mou Mou Club and Gyu-kaku Japanese Yakiniku Restaurant,$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. From now till 2 March, designed full-time Universities/Tertiary Institutions students can enjoy an HK$300-rebate welcome offer upon successful application and spending HK$600 or more in the first 60 days of the card issuance.
Citibank offers Citi Clear Student Card to full-time student of degree/diploma program of a Hong Kong Tertiary Institution. This student credit card provides 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. If you are worried about the security of online transactions, Citi Clear Card has a unique feature that sends you SMS alerts whenever your online transaction reaches HK$500. With this Citibank Student Credit Card, you can also have priority bookings on entertainment shows and buy 1-get-1-free movie tickets every Friday to Sunday at Cinema City Langham Place and Cinema City Victoria. Citi Clear Student cardholder can also enjoy one HK$500 Pacific Coffee Gift Card as a graduation gift by successfully updating occupation information with a valid income proof on or before June 21, 2019. If you do not hold any Citibank credit card within the past 12 months, you are eligible for the welcome offer of HK$600 cash rebate upon the successful application of the Citi Clear Student Card. You will even get an extra HK$40 cash rebate for mobile payment.
DBS offers DBS Compass Visa to tertiary students with no minimum requirement of annual income. You can enjoy 1% cashback on all local spending and up to 3% cash rebate at Taobao and Tmall when purchasing with this student credit card. DBS Compass Visa cardholder also enjoys a wide range of privileges such as an 8% discount promotion at ParknShop and Watsons, a free baggage upgrade with HK Express and a chance to win the grand prize of up to $8,888 Compass Dollar in the Lucky Draw. Any successful applicants of DBS Compass Visa who applied on or before 30 September 2019 and who achieved the spending requirement during the period can enjoy the exclusive welcome offer. If you achieve the HK4,800 spending requirement within 3 months from the new card issuance date, you are eligible for one of the following welcome gifts
If you achieve the HK$6,800 spending requirement within 3 months from the new card issuance date, you are eligible for a welcome gift of LE MAUICE® MARMO BIANCO SUITCASE.
If you achieve the HK$1,800 spending requirement within 3 months from the new card issuance date, you are eligible for a welcome gift 6 MCL movie vouchers.
Many student credit cards including Hang Seng enJoy Card, WeWa Union Pay Card, Citi Clear Card, DBS COMPASS VISA, AEON UnionPay Credit Card and EarnMORE UnionPay Card do not have minimum income requirement. However, students are required to submit proof of student status.
ang 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. Cardholders can also request an annual fee waiver if your credit card is actively in use.
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.
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”).
Cardholders can enjoy complimentary offer in UA Cinemas. Also eligible for free snacks (2 soft drinks and 1 medium-sized popcorn) for purchasing two movie tickets.
Students can enjoy ticket handling fee waiver for buying any movie tickets at MLC. Also enjoy discounted tickets, free popcorn throughout the year at MCL Cinemas.
Enjoy buy-1-get-1 2D/3D regular-priced movie tickets on Fridays and Saturdays in CINEMA CITY.
Credit cards offer an array of welcome offers. Some credit cards offer cash back, which is a simple and direct form of rewards. Citi Clear Card, for example, offers 800 cash rebate. Some offer gifts, vouchers or points. For example, WeWa Union Pay Card offers free air ticket to Japan. Points are very flexible, which can be redeemed for cardholder’s preferred rewards by themselves.
There is no such thing as the best credit card. Student applicants should pick credit cards with different spending categories to earn the most rewards. For reward point credit cards, points can be redeemed for cash rebates, air miles, coupons, and other gifts, which is more flexible. Air miles credit cards are more suitable for frequent travellers who will make the effort to collect miles. Cashback credit cards are suitable for cardholders who want instant rewards.
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.
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.
There are many banks offering student credit cards. For example, Hang Seng enJoy Card, WeWa Union Pa Card, Citi Clear Card, DBS COMPASS VISA, AEON UnionPay Credit Card, and EarnMORE UnionPay Card.
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.