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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%

【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!
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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%

【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

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.