Perpetual annual fee waiver

Annual Principal Fee

HK$150,000 (except full-time university/tertiary students)

Local Resident

2.4% Cash Dollars rebate for Tuition Fee Payment

Feature

All Details

• Key Features

  • 2.4% Cash Dollars rebate for Tuition Fee Payment (up to $200 Cash Dollars reward)

  • Part of total spending will be donated to University / College to support campus development and student activities

  • Exclusive privileges at campus

  • Perpetual Annual Fee Waiver

  • Eligible for:
    Hong Kong Baptist University
    City University of Hong Kong
    The Chinese University of Hong Kong
    School of Continuing and Professional Studies CUHK
    The Hang Seng University of Hong Kong

  • To borrow or not to borrow? Borrow only if you can repay!

Student

• Perpetual Annual Fee Waiver

• 2.4% Cash Dollars rebate for Tuition Fee Payment

• Part of total spending will be donated to University / College to support campus development and student activities

• Exclusive privileges at campus

Welcome Offers

• From now till 30 June 2023, customers who successfully apply for University / College Affinity Credit Cards and meet designated total spending amounts within 60 days of card issuance are entitled to up to $600 Cash Dollars:
  
  University / College students who make HK$2,000 or above total spending, are entitled to $300 Cash Dollars
  
  Non-university / non-college students who are existing cardholders who make HK$5,000 or above total spending, are entitled to $300 Cash Dollars
  
  Non-university / non-college students who are new cardholders who make HK$5,000 or above total spending, are entitled to $600 Cash Dollars

Best Credit Cards

Annual Interest Rate and Fees

Annual Principal Fee	Perpetual annual fee waiver
Supplementary Annual Fee	N/A
Fee Waiver	Perpetual annual fee waiver
Interest Free Period	Up to 56 days
Annual Interest Rate	34.97%
Late Payment Fees	Maximum HK$300
Minimum Monthly Repayment	The Minimum Payment Amount is HK$300 or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii).
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	3.5% of cash amount or min HK$100
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$150,000 (except full-time university/tertiary students)

Card Association

Mastercard
Visa

Wireless Payment

Visa payWave
Mastercard contactless