Best Student Credit Cards in Hong Kong

We found 11 credit cards for you!

Up to 4%
Mobile Payment
First 5 year annual fee waiver
Annual Fee
Up to 4%
Specific Fun Category
MoneySmart Exclusive

Exclusive Deal AlertPrimeCredit x MoneySmart -Welcome Offer up to HK$800 cash rebate】
From now until 31 July 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
.LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
.HK$800 Apple Store Gift Card
.HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below

Valid till 31 Jul 2026

Up to 8% cashback on online retail transactions*
Up to 8%
Cashback on Online Retail Transactions and Local Transportation Transactions
First Year Free
Fee Waiver
HK$0
Minimum Income Requirements
MoneySmart Exclusive

⚡July Exclusive Deal🔥Earn HK$1,000 Cash/ Up to HK$3,700 Rewards】
From 7 July until 14 July 2026, customers who successfully apply for sim Credit Card/ sim World Mastercard® via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance; OR select "Up to HKD100,000 6-month interest-free and monthly handling fee waived Cash Instalment Plan" as the sim Welcome offer, activate the credit card and successfully approved for the Cash Instalment Plan, can enjoy 🏨 Trip.com 8% Hotel Bookings Promo Code + ✈️ Trip.com HK$100 Flights Promo Code (upon claim submission); AND will be entitled one of the following gifts (choose 1 out of 7)🎁 :
Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600)
LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458)
・Apple AirPods 4 (Value: HK$1,099)
・[🔥Limited-time Upgrade] HK$1,000 ParknShop e-Vouchers/ HK$1,000 Cash via FPS (automatically converted by 10,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
⠀⠀
💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!

Valid till 14 Jul 2026

APPLY NOW for sim Credit Card
on sim's secure site
6X
RewardCash for spending in Rewards of Your Choice category
Up to 2.4%
RewardCash Rebate
$300
RewardCash
MoneySmart Exclusive

【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 12 July 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 22 July 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
🏦 Score even more! You can also grab the bank welcome offer!

Valid till 12 Jul 2026

3 Complimentary airport lounges access per year
HK$0
Min. Annual Salary
2%
Cash back on overseas spend
2%
Cash back on local spend
MoneySmart Exclusive

🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 July 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below

Valid till 31 Jul 2026

HK$0
Min. Annual Salary
1%
Cash back on Online Overseas spend
5%
Cash Back for Designated Online Transaction

Up to 4% +FUN dollars on foreign currency spending
Perpetual annual fee waiver
Annual fee
Up to 8%
+FUN Dollars on online shopping and designated merchants
Up to 5%
+FUN Dollars on Online Retail Transaction
MoneySmart Exclusive

【☀️ Summer Travel Ready】Spend HK$100 to Unlock HK$1,000 Vouchers or Travel Rewards Worth Up to HK$2,600!
Summer holiday is the perfect time to plan your next trip! From now until 15 July 2026, new and existing credit card customers who successfully apply for Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate eligible retail spending of HK$100 within 30 days after card issuance can choose 1 exclusive reward — perfect for online travel bookings, shopping for travel gear, or upgrading your airport experience.

 

🎁 New Customers can enjoy one of the rewards below:
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers or
・4 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total Value: HK$2,600) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100) or
・Medicube Age-R Booster Cleanser + Booster Pro Mini Plus + PDRN Hydrating Gel Cleanser 200ml (Value: HK$1,970)
*Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. HKG bonus: choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!

 

✨ Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)

Valid till 15 Jul 2026

HK$0
Min. Annual Salary
First 2 year annual fee waiver
Annual Fee
4%
Cash rebate on travel spending and designated spending categories
MoneySmart Exclusive

Exclusive Deal AlertPrimeCredit x MoneySmart -Welcome Offer up to HK$800 cash rebate】
From now until 31 July 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
.LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
.HK$800 Apple Store Gift Card
.HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below

Valid till 31 Jul 2026

APPLY NOW for WeWa UnionPay Diamond Card
on PrimeCredit's secure site
Up to 4x Points to spend as cash
Perpetual annual fee waiver
Annual fee
2%
Cash back on local spend
Up to 140,000 yuu Points
Welcome Offer
MoneySmart Exclusive

【Get Your Daily yuu Boost with enJoy】Apply and Get up to HK$2,600 rewards 🎁 or HK$900 vouchers!
From now until 31 July 2026, customers who successfully apply for Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance , can 🌟choose 1 from the following gifts:

 

🎁 New Customers can enjoy one of the rewards below:
・Medicube Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml (Value: HK$1,970) or
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298) or
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons
⠀⠀
✨ Existing Customers can also enjoy one of the rewards below:
・HK$400 Apple Store Gift Card / Maxim's Gift e-Coupons
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)

Valid till 31 Jul 2026

APPLY NOW for Hang Seng enJoy Card
on Hang Seng Bank's secure site
Earn 2% cashback from everyday spending
HK$0
Min. Annual Salary
2%
Cash back on overseas spend
2%
Cash back on local spend
MoneySmart Exclusive

🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 July 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below

Valid till 31 Jul 2026

HK$0
Min. Annual Salary
First 5 year annual fee waiver
Annual Fee
4%
Cash rebate on travel spending and designated spending categories
MoneySmart Exclusive

Exclusive Deal AlertPrimeCredit x MoneySmart -Welcome Offer up to HK$800 cash rebate】
From now until 31 July 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
.LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
.HK$800 Apple Store Gift Card
.HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below

Valid till 31 Jul 2026

Up to 8% cashback on online retail transactions*
Up to 8%
Cashback on Online Retail Transactions and Overseas Retail Transactions
First Year Free
Fee Waiver
HK$150,000
Local Resident
MoneySmart Exclusive

⚡July Exclusive Deal🔥Earn HK$1,000 Cash/ Up to HK$3,700 Rewards】
From 7 July until 14 July 2026, customers who successfully apply for sim Credit Card/ sim World Mastercard® via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance; OR select "Up to HKD100,000 6-month interest-free and monthly handling fee waived Cash Instalment Plan" as the sim Welcome offer, activate the credit card and successfully approved for the Cash Instalment Plan, can enjoy 🏨 Trip.com 8% Hotel Bookings Promo Code + ✈️ Trip.com HK$100 Flights Promo Code (upon claim submission); AND will be entitled one of the following gifts (choose 1 out of 7)🎁 :
Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600)
LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458)
・Apple AirPods 4 (Value: HK$1,099)
・[🔥Limited-time Upgrade] HK$1,000 ParknShop e-Vouchers/ HK$1,000 Cash via FPS (automatically converted by 10,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
⠀⠀
💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!

Valid till 14 Jul 2026

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 2025

Student Credit CardAnnual FeeFeatures/Rewards
Student Credit CardWeWa Visa Platinum Card (applicable to designated Full-time University /Tertiary Students) Annual FeeWaived for the first 5 yearsFeatures/RewardsHK$10 cashback for every HK$250 spent on mobile payment, travel, overseas spending, and online entertainment
Student Credit CardHSBC Visa Gold Card for StudentsAnnual FeeLifetime waiverFeatures/RewardsUp to 2.4% “RewardCash” when paying tuition fees
Student Credit Cardsim World Mastercard®️Annual FeeFirst year waivedFeatures/Rewards
  • Up to 8% cashback on online retail purchases
  • 3% cashback at major designated local merchants on eligible retail spending
  • Student Credit CardMox Credit Card (Miles)Annual FeeLifetime waiverFeatures/Rewards
  • HK$4 = 1 air mile
  • 0% foreign currency transaction fee
  • Student Credit CardDBS LIVE FRESH (STUDENT CARD)Annual FeeFirst year waivedFeatures/Rewards
  • 5% cashback on designated online purchases
  • 1% cashback on online foreign currency spending
  • Student Credit Cardsim Credit CardAnnual FeeFirst year waivedFeatures/RewardsUp to 8% cashback on online retail and local public transport
    Student Credit CardHang Seng MMPOWER World MastercardAnnual FeeLifetime waiverFeatures/Rewards
  • Up to 6% cashback on overseas foreign currency spending
  • Up to 5% cashback on online spending
  • Student Credit CardHang Seng enJoy CardAnnual FeeLifetime waiverFeatures/Rewards2% cashback on local spending
    Student Credit CardEarnMORE UnionPay Diamond CardAnnual FeeWaived for the first 5 yearsFeatures/Rewards2% cashback on overseas and local spending

    What Is a Student Credit Card and Who Should Apply?

    A student credit card is a financial product designed specifically for local university or tertiary students aged 18 or above. Offered by major banks and card issuers in Hong Kong, this type of credit card is ideal for students who are just starting to manage their own finances.

    Unlike regular credit cards, student credit cards have lower approval requirements and typically do not require income proof or tax records, making them highly accessible to young adults.

    A student credit card is suitable for the following individuals:
  • Full-time local tertiary or university students
  • Students without a full-time job or tax record
  • Those looking to build their personal credit history
  • Students who want access to credit card spending perks
  • Student Credit Card Eligibility Comparison

    Bank Minimum Age Income Proof Required? Other Requirements
    Standard Chartered 18 No Must be a full-time student and provide a valid student ID
    HSBC 18 No Must provide either a student ID or an official proof of admission
    Bank of China (Hong Kong) 18 No Must be a local or overseas full-time student
    Dah Sing Bank 18 No Student ID required
    Hang Seng Bank 18 No Offers a student-specific card version; proof of student status required
    Background image

    Match the right student credit card to your spending habits

    Before choosing a student credit card, ask yourself the following questions:
  • What are my usual spending habits? (Do I shop online often? Take public transport frequently? Order takeaway regularly?)
  • Do I often go to supermarkets or specific stores? (e.g. Wellcome, 7-Eleven, Mannings, etc.)
  • Do I use Octopus? Do I want automatic top-up via credit card?
  • Do I prefer cashback or earning points to redeem air tickets?
  • Spending Habit / Need Best Credit Card Recommendation Explanation
    Frequent online shopping and digital entertainment sim World / DBS Live Fresh sim offers up to 8% cashback; DBS provides 5% cashback for online spending categories
    Public transport and Octopus top-up sim Credit Card / Hang Seng enJoy Card Offers up to 8% cashback on public transport spending, plus yuu points rewards
    Frequent travel and overseas spending Hang Seng MMPOWER / Mox Credit Card MMPOWER offers up to 6% cashback on foreign currency spending; Mox earns air miles and waives foreign transaction fees
    Tuition fees or education-related expenses HSBC Student Card Offers a dedicated 2.4% RewardCash rebate on tuition payments, ideal for students
    Looking for simple air miles accumulation Mox (Asia Miles version) HK$4 = 1 Asia Mile, simple and straightforward earning structure
    Prioritising high cashback with no annual fee EarnMORE / Hang Seng enJoy Lifetime waiver of annual fee with solid 2% cashback, a reliable all-round option
    Background image

    Why You Should Apply for a Student Credit Card While in School

    1. Build Your Credit History Early with Student Credit Card

    Applying for a student credit card while you're still in school is a strategic step that can help you lay the foundation for your financial future. One of the most important advantages is the opportunity to start building your credit history early. Your usage records, such as timely repayments, total card usage, and overall repayment behaviour, are tracked and reported to credit reference agencies. This history will directly impact your ability to apply for loans, mortgages, and high-limit credit cards later on. With a solid credit profile established during your student years, you’re more likely to enjoy easier approvals and better borrowing terms in the future.

    2. Easier Approval While You're Still a Student

    Student credit cards are also far more accessible than regular credit cards. Most banks do not require income proof or tax returns to apply, as long as you’re a full-time student with a valid student ID or proof of enrolment. Compared to applying later in life when employment documentation may be required, getting a card during university increases your chances of approval. It also gives you a head start on developing smart financial habits. Monthly statements from your credit card allow you to monitor your spending, understand where your money goes, and learn to budget, all essential skills for long-term financial responsibility.

    3. Enjoy Rewards and Emergency Flexibility

    Beyond building credit and ease of access, student credit cards often come with a range of useful rewards and perks. These may include cashback for Octopus top-ups, online shopping, foreign currency transactions, and even restaurant spending. When used wisely and paid off in full each month, these cards can help you save money or earn points and air miles. Moreover, in unexpected situations, such as emergency medical expenses abroad or last-minute travel arrangements, having a credit card provides a flexible backup funding option, offering peace of mind and reducing financial stress.

    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.

    sim World Mastercard® – Perfect for Online Shoppers

    If you're someone who frequently shops online, orders food delivery, or books travel through websites and apps, the sim World Mastercard® is tailor-made for your lifestyle. It offers up to 8% cashback on online retail purchases, along with 3% cashback at designated local merchants. With no annual fee for the first year and a student-friendly application process, it’s one of the most rewarding credit cards available to students who want to earn more from everyday online spending.

    Mox Credit Card (Asia Miles Edition) – Best for Beginners Earning Air Miles

    Students looking to start earning air miles will find the Mox Credit Card (Asia Miles Edition) an ideal starting point. It features a simple and generous rate of HK$4 = 1 Asia Mile — one of the few student cards that directly support Asia Miles accumulation. It also comes with 0% foreign currency transaction fees, making it perfect for students preparing for exchange programmes or frequent overseas travel. With a lifetime waiver of annual fees, this card offers flexibility and savings with no long-term financial burden.

    HSBC Student Credit Card – Earn Rewards on Tuition Payments

    For students paying tuition out-of-pocket, the HSBC Student Credit Card is a smart financial tool. It offers up to 2.4% RewardCash when used to pay for tuition fees, turning necessary expenses into meaningful rewards. As a lifetime no-annual-fee card, it’s well-suited for long-term use and helps students maximise value on one of their largest regular payments.

    Hang Seng enJoy Card – Great for Daily Transport and Local Spending

    The Hang Seng enJoy Card is an excellent option for students with high local spending — especially those who commute, shop at supermarkets, or grab daily essentials from convenience stores. It provides 2% cashback on eligible local spending and allows cardholders to collect yuu Points at the same time. These points can be redeemed at popular merchants such as Wellcome, Mannings, and 7-Eleven. With no annual fee ever, the enJoy Card is a high-value, low-commitment choice for students who want consistent savings in their everyday routine.

    Background image

    Student Credit Card Promotions & Offers

    One of the biggest advantages of applying for a student credit card is the low application threshold. Many banks in Hong Kong now offer credit cards that don’t require income proof, making them accessible even for students without part-time jobs or tax records.

    Student Credit Cards with Low Entry Requirements

    Beyond co-branded university cards, options such as the Hang Seng enJoy Card, WeWa Visa Platinum Card, Citi Clear Card, DBS COMPASS VISA, AEON UnionPay Card, and EarnMORE UnionPay Diamond Card all allow students to apply using only proof of full-time enrolment. As long as you can provide a valid student ID or admission letter, you can qualify — no salary documentation needed.

    Credit Cards with Lifetime Annual Fee Waiver

    Several student credit cards come with a lifetime waiver of the annual fee, which makes them ideal for long-term use without worrying about hidden costs. Cards like the Hang Seng enJoy Card, the Mox Credit Card (Asia Miles edition), and the Hang Seng MMPOWER World Mastercard® are excellent examples. These no-fee-for-life cards allow students to continue using their credit card even after graduation, without incurring ongoing charges. Meanwhile, other options like the WeWa Visa Platinum Card and EarnMORE UnionPay Diamond Card offer a five-year annual fee waiver — more than enough to cover most of your university years.

    Spending Rewards Tailored for Students

    Student credit cards also offer generous rewards on everyday spending. For example, the WeWa Visa Platinum Card gives 4% cashback on spending in select entertainment categories such as travel, cinemas, theme parks, and karaoke — equivalent to HK$10 cashback for every HK$250 spent. This makes it a great choice for students who enjoy going out and socialising. On the other hand, the EarnMORE UnionPay Diamond Card offers a flat 2% cashback year-round on all local and overseas transactions, including Octopus automatic top-ups. This makes it particularly useful for students who frequently use public transport or make small daily purchases.

    How to Apply for a Student Credit Card?

    Step1

    Most banks require the student credit card applicants to be full-time University or Tertiary Institution students

    Step2

    Most banks do not have a minimum annual income requirement

    Step3

    You will have to provide proper documentation such as identification proof, residential address proof, and a valid Tertiary student identity card

    Step4

    Applicants have to be over the age of 18

    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

    Hang Seng MMPOWER World Mastercard® (Student Edition)

    The Hang Seng MMPOWER World Mastercard® Student Edition offers one of the most attractive cinema perks for students. On the last Friday of every month, known as “Movie Day,” cardholders can enjoy an exclusive buy-one-get-one-free offer at MCL Cinemas. When you purchase a full-price 2D adult ticket with your MMPOWER card, you can redeem a second ticket for just HK$1 +FUN Dollar for the same movie and session. This makes it a great option for students who love going to the movies with friends while keeping entertainment costs low.

    Offer 2

    HSBC EveryMile Student Credit Card

    The HSBC Student Credit Card provides students with ongoing savings at CGV Cinemas. When you purchase a regular-priced movie ticket, you’ll receive a 10% discount by paying with your HSBC Student Card. This benefit is straightforward and automatically applied, making it an easy way for moviegoers to enjoy a little extra value on every visit — perfect for casual cinema lovers who want consistent discounts throughout the year.

    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

    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.

    AI Summary: Key Points for Choosing a Student Credit Card

  • No income proof required – university students can apply
  • Annual fees are often waived for the first year, first five years, or even permanently
  • Applying for a credit card during student years helps build personal credit history
  • Earn air miles (e.g., Asia Miles), or opt for cashback / yuu points
  • 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.