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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
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Up to 15% transport fare rebate

Citi Octopus Platinum Card

MoneySmart Limited Time Offer
HK$1,999
Cash back on overseas spend
0.5%
Cash back on local spend
0.5%

Limited Time Offer! Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,600 Apple Gift Card/Supermarket Voucher/Harman Kardon Aura Studio 3 Wireless Bluetooth Speaker (retail value $1,999)/Fujifilm Instax Mini 90 Neo Classic Instant Camera (retail value HK$1,780) and HK$700 Cash Rebate (Fulfilled by Citibank)!!!! 

[Referral Program] After applying for the card, get extra $300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 03 Jul 2022 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

MoneySmart Limited Time Offer
HK$1,999
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Miles Conversion (local spend)
HK$3 = 1 mile

Limited Time Offer! Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,600 Apple Gift Card/Supermarket Voucher/Harman Kardon Aura Studio 3 Wireless Bluetooth Speaker (retail value $1,999)/Fujifilm Instax Mini 90 Neo Classic Instant Camera (retail value HK$1,780) and HK$800 Wellcome Supermarket and Lifestyle Supermarkets Shopping Voucher (Fulfilled by Citibank)!!

[Referral Program] After applying for the card, get extra $300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 03 Jul 2022 - See more details below
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HSBC 滙豐銀行 logo
Bank Promo
Up to HK$300 RewardCash welcome offer

HSBC Visa Gold Card for Students

RewardCash rebate on tuition fee payment
2.4%
Online spending Cash Rebate
2%
RewardCash
6X
Bank Promo:
Limited-time offer: up to $400 RewardCash when you successfully apply for an HSBC Visa Gold Card for Students and open an HSBC One bank account between 3 May – 31 Jul 2022. 
 
Earn up to $400 RewardCash when you pay your tuition fee via HSBC online channels with the card. 

Terms and conditions apply. 
Valid until 31 Jul 2022 - See more details below
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安信信貸 logo
MoneySmart Exclusive

WeWa UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on local spend
4%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$600 cash rebate + Welcome offer: De'Longhi Espresso Coffee Machine or LG Monitor or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)
Valid until 30 Sep 2022 - See more details below
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DBS 星展銀行 logo

DBS LIVE FRESH(Student Card)

Min. Annual Salary
HK$0
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
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AE 美國運通 logo
Bank Promo
Unlimited 1.2% Cashback

Blue Cash® Credit Card from American Express

Bank Promo:
Limited-time welcome offer of up to HK$1,072! Enjoy 1.2% cash back with no string , cash back credited to account automatically every month with NO administration charge.
Valid until 31 Jul 2022 - See more details below
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安信信貸 logo
MoneySmart Exclusive
3 Complimentary airport lounges access per year

EarnMORE UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on local spend
2%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$600 cash rebate + Welcome offer: HK$670 cash rebate or  
Nintendo Switch Lite (Yellow/Turquoise) or Philips Instant Heating Water Dispenser or Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 30 Sep 2022 - See more details below
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BEA 東亞銀行 logo

BEA i-Titanium Student Card (Exclusively for Tertiary Students)

Min. Annual Salary
HK$40,000
Cash back on local spend
3.4%
Miles Conversion (local spend)
N/A
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安信信貸 logo
MoneySmart Exclusive
Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash back on local spend
4%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$600 cash rebate + Welcome offer: De'Longhi Espresso Coffee Machine or LG Monitor or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)
Valid until 30 Sep 2022 - See more details below
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SCB 渣打銀行 logo
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Cash back on local spend
2％
Miles Conversion (local spend)
N/A
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Card

Min. Annual Salary
HK$0
Cash back on local spend
2%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$600 cash rebate + Welcome offer: HK$670 cash rebate or  
Nintendo Switch Lite (Yellow/Turquoise) or Philips Instant Heating Water Dispenser or Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 30 Sep 2022 - See more details below
Apply Now
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恒生銀行 logo

University / College Affinity Credit Cards

Annual Principal Fee
Perpetual annual fee waiver
Local Resident
HK$150,000 (except full-time university/tertiary students)
Feature
2.4% Cash Dollars rebate for Tuition Fee Payment
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恒生銀行 logo
Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fee
Perpetual annual fee waiver
Cash back on local spend
2％
Welcome Offer
Up to 80,000 yuu Points
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恒生銀行 logo
Get up to 10% cash dollars on designated spending

Hang Seng MPOWER CARD

Annual fee
Perpetual annual fee waiver
Cash back on local spend
5%
Miles Conversion (local spend)
N/A
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交通銀行 logo

Bank of Communications Go-Goal Credit Card

Min. Annual Salary
HK$150,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
HK$8 = 1 mile
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Best Credit Cards for Students 2022

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 credit card is best for students?

    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.

    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.