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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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We found 12 Credit Cards for you!
Recommended
WeWa Visa Platinum Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive

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

Mobile Payment
Up to 4%
Annual Fee
First 2 year annual fee waiver
Specific Fun Category
Up to 4%
Apply and redeem any of these rewards

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 31 Augsut 2025, new customers who successfully applied for WeWa Visa Signature Card/ WeWa Visa Platinum Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)

New customers of PrimeCredit Credit Card who successfully apply for WeWa Visa Signature Card through MoneySmart can get: LG 27-inch Full HD IPS Smart Monitor (27U511SA-W) (Suggested price: HK$1,980) or Marshall Emberton II  Portable Bluetooth Speaker (Suggested price: HK$1,499) or HK$500 cash rebate or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
HSBC Visa Gold Card for Students
MoneySmart Exclusive
Up to $300 RewardCash welcome offer

HSBC Visa Gold Card for Students

RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
RewardCash
$300
【👨🏻‍🎓 Calling All Students: Earn up to $500 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for HSBC Visa Gold Card for Students, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $300 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
Valid until 31 Aug 2025 - See more details below
Apply NowApply directly on MoneySmart
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*

sim World Mastercard®️

Cashback on Online Retail Transactions and Overseas Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

【Spend HK$100, Get HK$300 – Grab 3X Cash Rebate🤑】
From now until 31 August 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn HK$300 Apple Store Gift Card or HK$300 PARKnSHOP Supermarket Voucher! 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 until 31 Aug 2025 - See more details below
Apply NowApply directly on MoneySmart
Mox Credit Card (Miles)
MoneySmart Exclusive
Upgraded Offer｜Best-in-town Asia Miles rewards

Mox Credit Card (Miles)

Miles Conversion
HKD4 = 1 mile
Foreign Transaction Fee
0%
MoneySmart exclusive welcome offer
Up to 52,000 miles + HKD2,300 rewards

🏖️August ONLY【Earn base rate at HKD4/mile exclusively + Spend HKD10K to Earn 15,000 miles + HKD2,300 rewards!】
New customers can use the invitation code "FLYWITHMOXMS"and spend HKD10,000 within 60 days can receive 15,000 miles, and one of the following gifts from MoneySmart:
・ [Popular!] LOJEL Rando (Frame) Medium 26" (Value: HKD2,300)
・ JBL SOUNDGEAR FRAMES Open Sound Audio Glasses (Round) (Value: HKD1,299)
・ HKD1,000 Cash via FPS (Automatically converted by 10,000 SmartPoints)
If you spend HKD50,000, You can receive extra 24,500 miles, earn along with the HKD4/mile base rate, in total you can earn up to 52,000 miles + MoneySmart rewards up to HKD2,300!

📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 31 Aug 2025 - See more details below
Apply Now
DBS LIVE FRESH (STUDENT CARD)

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
sim Credit Card
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*

sim Credit Card

Cashback on Online Retail Transactions and Local Transportation Transactions
Up to 8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

【Spend HK$100, Get HK$300 – Grab 3X Cash Rebate🤑】
From now until 31 August 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn HK$300 Apple Store Gift Card or HK$300 PARKnSHOP Supermarket Voucher! 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 until 31 Aug 2025 - See more details below
Apply NowApply directly on MoneySmart
WeWa UnionPay Diamond Card
MoneySmart Exclusive

WeWa UnionPay Diamond Card

Min. Annual Salary
HK$0
Annual Fee
First 2 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%
Apply and redeem any of these rewards

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 31 August 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New customers of PrimeCredit Credit Card who successfully apply for WeWa Card through MoneySmart can get: LG 27-inch Full HD IPS Smart Monitor (27U511SA-W) (Suggested price: HK$1,980) or Marshall Emberton II  Portable Bluetooth Speaker (Suggested price: HK$1,499) or HK$500 cash rebate or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
Hang Seng enJoy Card
MoneySmart Exclusive
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 120,000 yuu Points
Apply and redeem any of these rewards

【Make Every Grocery Trip Count】
From now until 31 August, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$200 within 30 days after card issuance, can enjoy an extra 10,000 SmartPoints; existing customers who spend HK$200 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
⠀⠀
New customers can use 10,000 SmartPoints to fully redeem HK$1,000 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) or BRUNO Compact Hot Plate - Red (BOE021-RD) (Value : HK$998) from our Rewards Store. You can also top-up to redeemJBL Charge 6 Wireless Speaker (Black)****(Value: HK$1,399). Existing customers can use 7,000 SmartPoints to fully redeem a SAMSUNG Galaxy Buds FE (Retail Value: HK$898) or HK$700 vouchers. Explore more other options available at our Rewards Store!
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【Bank Welcome Offer】Link enJoy Card to yuu Rewards Program and accumulate eligible retail spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent to rewards worth HK$400)!

Valid until 31 Aug 2025 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
3 Complimentary airport lounges access per year

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

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply and redeem any of these rewards

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,170 cash rewards】
MS Exclusive: From now until 31 August 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 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 who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$970 : [Limited-time!] extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or Toshiba Free Installation & Stand Dishwasher (DWS-22AHK) (Suggested price: HK$2,898) or Samsung Galaxy Tab A9 (LTE) (Suggested price: HK$1,688) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply and redeem any of these rewards

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,170 cash rewards】
MS Exclusive: From now until 31 August 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 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 who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$970 : [Limited-time!] extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or Toshiba Free Installation & Stand Dishwasher (DWS-22AHK) (Suggested price: HK$2,898) or Samsung Galaxy Tab A9 (LTE) (Suggested price: HK$1,688) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
Hang Seng MMPOWER World Mastercard®
MoneySmart Exclusive
Get up to 6% +FUN Dollars on overseas spending

Hang Seng MMPOWER World Mastercard®

Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on Overseas foreign currencies spending
Up to 6%
+FUN Dollars rebate on Online Retail Transaction
Up to 5%%
Apply and redeem any of these rewards

【📱Earn 5% +FUN Dollar Rebate & Welcome Perks with Your NEW PHONE Purchase!】
From now until 31 August, new credit card customers* who successfully applied for the Hang Seng MMPOWER Card via MoneySmart, simply spend HK$100 within 30 days after card issuance, can enjoy an extra 8,000 SmartPoints; existing customers who spend HK$100 within 30 days after card issuance, can also enjoy extra 6,000 SmartPoints!
⠀⠀
New customers can use 8,000 SmartPoints to fully redeem HK$800 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) or Apple HomePod mini (Value: HK$749) or De'Longhi KBOV2001 Icona Vintage Series Water Kettle (Value: HK$888), you can also top-up to redeem BRUNO Compact Hot Plate - White (Value: HK$998) from our Rewards Store. Existing customers can use 6,000 SmartPoints to fullyredeem a CMF By Nothing WATCH PRO D395 (Retail Value: HK$549) or HK$600 vouchers. Explore more other options available at our Rewards Store!

Valid until 31 Aug 2025 - See more details below
Apply Now
WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive

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

Min. Annual Salary
HK$0
Annual Fee
First 5 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%
Apply and redeem any of these rewards

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 31 August 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New customers of PrimeCredit Credit Card who successfully apply for WeWa Card through MoneySmart can get: LG 27-inch Full HD IPS Smart Monitor (27U511SA-W) (Suggested price: HK$1,980) or Marshall Emberton II  Portable Bluetooth Speaker (Suggested price: HK$1,499) or HK$500 cash rebate or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now

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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

    • Best Credit Cards for Students 2025

    Student Credit CardAnnual FeeFeatures/Rewards
    WeWa Visa Platinum Card (applicable to designated Full-time University /Tertiary Students) Waived for the first 5 yearsHK$10 cashback for every HK$250 spent on mobile payment, travel, overseas spending, and online entertainment
    HSBC Visa Gold Card for StudentsLifetime waiverUp to 2.4% “RewardCash” when paying tuition fees
    sim World Mastercard®️First year waived
  • Up to 8% cashback on online retail purchases
  • 3% cashback at major designated local merchants on eligible retail spending
    • Mox Credit Card (Miles)Lifetime waiver
  • HK$4 = 1 air mile
  • 0% foreign currency transaction fee
    • DBS LIVE FRESH (STUDENT CARD)First year waived
  • 5% cashback on designated online purchases
  • 1% cashback on online foreign currency spending
    • sim Credit CardFirst year waivedUp to 8% cashback on online retail and local public transport
    Hang Seng MMPOWER World MastercardLifetime waiver
  • Up to 6% cashback on overseas foreign currency spending
  • Up to 5% cashback on online spending
    • Hang Seng enJoy CardLifetime waiver2% cashback on local spending
    EarnMORE UnionPay Diamond CardWaived for the first 5 years2% 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
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    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
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    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.

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    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.