We found 63 Credit Cards for you!
MoneySmart Exclusive
Get 4% cash rebate on designated categories
- Min. Annual Salary
- HK$0
- Cash back on local spend
- 4%
- Cash back on other spend
- 0.4%
MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.
Promotions
- Welcome offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Key Features
- Earn HK$10 Cash Rebate for every HK$250 spending at specific categories ("Travel", "Cinema", Karaoke" and "Theme Park") all year around
- Handling fee waiver for overseas spending
- HK$1 for handcrafted beverages valued at less than HK$25 in HK Airport Pacific Coffee
- WeWa Credit Card brings you a brand-new "Spot N Win II" draw where you can win fabulous prizes after (Weward) OR before (Preward) using your WeWa credit card. From 1 March 2020 to 31 August 2020, you are guaranteed to win a prize, such as 100% off on a single transaction with the "Spot N Win II" lucky draw through the OmyCard App, and will also automatically gain an entry of our Grand Lucky Draw and may win HK$100,000 WeWa Credit Card spending credit! (Trade Promotion Competition Licence Number: 53166-71
- From now till 31st August 2020, enjoy up to HK$2,000 cash rebate with WeWa Credit Card upon spending designated amount at Suning Hong Kong (stores & online store). More, enjoy up to 50% off on selected items in Suning Hong Kong stores.
- From now till 16th August 2020, enjoy up to 10% cash rebate when paying via QR Code Payment Services at OmyCard App using WeWa UnionPay Card.
- All promotions are subject to relevant Terms and Conditions.
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass | |
|---|---|
| Apple Pay |
Promotion
Apply online to enjoy extra HK$100 welcome rebate
- Min. Annual Salary
- HK$0
- Rebate on spending on local dining
- 2.8%
- Rebate on other spend
- 0.4%
Promotion: Up to 3% welcome rebate Valid till 10 Oct 2020.
Key Features
- Up to 3% welcome rebate, up to HK%500.
- Enjoy extra HK$100 welcome rebate by applying AEON UnionPay successfully via AEON website.
- Enjoy up to 2.8% spending rebate for local dining.
- No transaction fee is imposed by AEON on foreign currency transaction
- Enjoy more savings all year-round with the "AEON Member Price"
- Up to 3% welcome rebate, up to HK%500
- Enjoy Octopus automatic add value service
- Enjoy shopping discount at AEON's massive merchant network
- Members can enjoy 5% credit purchase discount* at AEON on "Thanksgiving Days" (2nd & 20th of every month)
- From now to 31 March 2020, earn up to HK$300 rebate upon any spending in Japanese YEN in Japan with AEON Credit Cards and registering the promotion via "AEON HK" mobile app
Annual Interest Rate and Fees
| Annual Interest Rate | 31.59% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Permanent Annual Fee Waiver |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
MoneySmart Exclusive
Complimentary Plaza Premium Lounge access
- Min. Annual Salary
- HK$300,000
- Miles Conversion (local spend)
- HK$6 = 1 Mile
- Miles Conversion (overseas spend)
- HK$6 = 1.5 Miles
MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval and Enjoy up to 76,000 Asia Miles Valid till 31 Aug 2020.
Key Features
- Welcome offers worth up to 76,000 Asia Miles
- Earn 2 Asia Miles for every HK$6 spent on Cathay Pacific flight bookings via www.cathaypacific.com
- Convert your spending into Asia Miles with no handling fee
- Enjoy complimentary access to Plaza Premium Lounge each year
- Complimentary travel accident insurance with coverage up to HK$3.5 million
- First-year annual fee waiver worth HK$1,800
- Enjoy 10% discount at Broadway Circuit
- HK$6 = 1 Asia Mile on all local spend and HK$6 = 1.5 Asia Miles on foreign currency spend
- Enjoy Enrolment Fee Waiver for Green tier membership of The Marco Polo Club
- Up to 3-day priority redemption for selected discount flight awards bookings online from time to time
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit |
Minimum Income Requirements
| Local Resident | HK$300,000 |
|---|---|
| Foreigner | HK$300,000 |
Card Association
Wireless Payment
MoneySmart Exclusive
Unlimited cashback
- Min. Annual Salary
- HK$96,000
- Cash back on local spend
- 1.5%
- Cash back on overseas spend
- 2%
MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 31 Aug 2020.
Key Features
- Welcome offer up to HK$1,100 CashBack
- 1.5% CashBack on local currency spending
- 2% CashBack on foreign currencies spending
- Unlimited CashBack with no minimum spending requirement
- Perpetual annual fee waiver for principal cardholders with Priority Banking/ Premium/ Bonus Payroll Account
- Enjoy all promotions of Visa Signature
Annual Interest Rate and Fees
| Annual Interest Rate | 33.41% |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$96,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
MoneySmart Exclusive
As low as HK$0.2=1 Asia Miles for welcome offer
- Min. Annual Salary
- HK$96,000
- Miles Conversion (local spend)
- HK$4 = 1 Mile
- Miles Conversion (overseas spend)
- HK$4 = 1 Mile
MoneySmart Exclusive: HK$300 Supermarket Vouchers Valid till 31 Aug 2020.
Key Features
- HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
- Welcome offer: Up to 40,000 Asia Miles (As low as HK$0.5 = 1 Asia Mile)
- Octopus auto add value service can earn HK$6 = 1 Asia Mile
- Enjoy HK$1 = 1 Asia Mile on Mondays with any of the Asia Miles partner restaurants
- Automatic mileage conversion with no conversion fee
Annual Interest Rate and Fees
| Annual Interest Rate | 33.41% |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$96,000 |
|---|
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
MoneySmart Exclusive
Earn 2% cashback from Octopus AAVS
- Min. Annual Salary
- HK$0
- Cash back on local spend
- 2%
- Cash back on overseas spend
- 2%
MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.
Promotions
- Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Key Features
- Up to 2% Cash Rebate for all purchases (applies to all merchant categories)
- Handling fee waiver for overseas spending
- HK$1 for handcrafted beverages valued at less than HK$25 in HK Airport Pacific Coffee
- From now till 31st August 2020, enjoy up to HK$2,000 cash rebate with EarnMORE UnionPay Card upon spending designated amount at Suning Hong Kong (stores & online store). More, enjoy up to 50% off on selected items in Suning Hong Kong stores.
- From now till 16th August 2020, enjoy up to 10% cash rebate when paying via QR Code Payment Services at OmyCard App using EarnMORE UnionPay Card.
- All promotions are subject to relevant Terms and Conditions.
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass | |
|---|---|
| Apple Pay |
MoneySmart Exclusive
Earn cashback from digital wallets
- Min. Annual Salary
- HK$240,000
- Cash back on local spend
- 2%
- Cash back on overseas spend
- 2%
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Key Features
- Unlimited 2% rebate for local dining and hotel spending ,earn welcome reward on e-wallet
- Unlimited cash rebate with no minimum spending on year-round spending
- 2％ rebate on local dining and hotel spending
- 1% cash rebate on other spending in local currency
- 1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
- 2% cash rebate on online or overseas
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
Card Association
| Mastercard |
|---|
MoneySmart Exclusive
Up to 50% savings at designated restaurants
- Min. Annual Salary
- HK$300,000
- Cash back on local spend
- 1％
- Miles Conversion (local spend)
- $5 = 1 Mile
MoneySmart Exclusive: HK$400 Cash coupon upon Card Approval Enjoy welcome offers valued up to HK$2,960 Valid till 31 Aug 2020.
Key Features
- As low as HK$5 = 1 Air Mile
- Redeem membership reward points for different benefits - offset spending with cash back or redeem for free flights and upgrades
- 9% off and an extra HK$100 cash back at Expedia & other hotel benefits
- Buy-1-Get-1-Free: 3D, 2D and IMAX regular priced movie tickets on Fridays all year round at Broadway Circuit
- Local and worldwide travel, leisure, dinning, and shopping offers
- Platinum Assist - 7/24 assistance service
- * Beginning April 1, 2020 (“Effective Date”), the administration fee to transfer American Express Membership Rewards points to air miles of any participating frequent flyer program will be changed to HK$300 per transfer.
Annual Interest Rate and Fees
| Annual Interest Rate | 36.07% |
|---|---|
| Annual Principal Fee | HK$2,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
| Interest Free Period | N/A |
Minimum Income Requirements
| Local Resident | HK$300,000 |
|---|
Card Association
Wireless Payment
MoneySmart Exclusive
High cash rebates for designated categories
- Min. Annual Salary
- HK$150,000
- Cash back on local spend
- 3.2%
- Miles Conversion (local spend)
- $3 = 1 Mile
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Key Features
- Enjoy 5X rewards points all year round (HK$3 = 1 mile) and 8X rewards points during your birthday month (HK$1.875 = 1 mile) at supermarket, department stores and telecom providers, including autopay of telecommunication bill payments
- Welcome offer up to HK$800 supermarket cash coupon
- Points that never expire, redeem designated cash coupons, movie tickets & air miles at Citi ThankYou Rewards online or instantly offset spending anytime with Citi Pay with Points
- 250 Points = Instantly offset HK$1 spending
- E-wallet transaction is eligible as welcome offer spending (PayMe, WhChat Pay, AliPay, etc.)
- Low annual income requirement, first year annual fee waiver
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Foreigner | HK$60,000 |
|---|
MoneySmart Exclusive
Free travel insurance and airport lounges access
- Min. Annual Salary
- HK$240,000
- Miles Conversion (local spend)
- HK$8 = 1 mile
- Miles Conversion (overseas spend)
- HK$3 = 1 mile
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Key Features
- Enjoy up to 12 times complimentary access to airport lounges for every calendar year, flyer Programs to redeem milage of over 100 airlines
- Welcome offer - Earn up to 108,000 Points
- Redeem points for cash coupons (McDonald's, Pizza Hut etc.) and movie tickets
- 250 Points = Instantly offset HK$1 spending
- Points that never expire
- HK$8 = 1 Miles on local spending; HK$3 = 1 Miles on overseas and online foreign currency spending
- Redeem miles or hotel stays with Points, no service charge for mileage conversion
- Mileage Redemption: 12 Frequent Flyer Programs (Asia Miles, KrisFlyer, Flying Blue & Qantas Frequent Flyer) to redeem mileage of over 100 airlines
- Hotel Points Redemption: IHG Rewards Club (InterContinental, Holiday Inn, Crowne Plaza, Holiday Inn Express & Hotel Indigo)
- Up to 12 times complimentary access to more than 50 designated Plaza Premium Lounges worldwide every calendar year
- Free Travel Insurance
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$360,000 |
Card Association
| Mastercard |
|---|
Bank Promo
Get 5% cash dollars rebate on designated spending
- Min. Annual Salary
- HK$150,000
- Cash back on local spend
- 5%
- Cash back on overseas spend
- 5%
Bank Promo: 【Summer Offer】Enjoy up to $3,450 Cash Dollars! Valid till 30 Aug 2020.
Key Features
- Up to 5% Cash Dollars rebate in selected mobile payment, online shopping and overseas spending
- MCL Cinema offer: Online handling fee waiver, $1 Cash Dollar to redeem an extra ticket, Free small popcorn, 2 extra tickets and 20% off for members
- KKBOX offer: concerts exclusive priority booking, HK$1 for 90days music streaming
- Earning $1 Cash Dollar when spending HK$250
Annual Interest Rate and Fees
| Annual Interest Rate | 34.97% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment Amount is HK$300 / CNY300 (subject to card type) 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). |
| Interest Free Period | Up to 56 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
| Mastercard |
|---|
Welcome Offer
Redeem various mileage points without any fee
- Min. Annual Salary
- HK$240,000
- Miles Conversion (local spend)
- HK$6 = 1 Mile
- Miles Conversion (overseas spend)
- HK$4 = 1 mile
Welcome Offer: Get up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000miles Valid till 31 Aug 2020.
Key Features
- Welcome offer up to 50,000 or Rollink Flex 21 Foldable Suitcase + 2,000miles
- Redeem mileage points such as Asia Miles, Avios, KrisFlyer and PhoenixMiles with your DBS$
- Up to 12% off Hotel Booking on Hotels.com and 10% off on Expedia.com.hk
- Up to 7% off Hotels booking on Agoda.com and up to 75% off selected destination vouchers & travel products
- KKBOX 365-Day Premium Service at HK$599 (Original Price: HK$696)
- Up to 10% off discount at Broadway Cinema, The Grand Cinema and AMC
- HKTaxi“InstaRedeem”: Full fare or Up to HK$30 off
Annual Interest Rate and Fees
| Annual Interest Rate | 36.33% |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 days |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
Welcome Offer
Get 20% discount at lookfantastic
- Min. Annual Salary
- HK$150,000
- Cash back on local spend
- 1%
- Cash back on overseas spend
- 1%
Welcome Offer: Get HK$800 cash rebate or Portable Air Purifier or up to HK$36,000 cash loan with no interest and handling fee with first 2-year annual fee waiver Valid till 30 Sep 2020.
Key Features
- Welcome offer up to HK$900 cash rebate & 12-month "Online Shopping Insurance" as low as HK$68
- Up to HK$400 Cash Rebate for each successful referral, with no cap on total referral reward
- Unlimited 1% cash rebate on local and overseas spending
- 1% cash rebate on Octopus reload amount
- Up to 50% off on designated vouchers and travel products at KKday
- 12% off hotel booking at Expedia
- Up to 35% premium discount on "JourneySure" Travel Insurance Plan, extra 5% premium cash rebate via online enrollment and HK$50 supermarket coupon for discounted premium of HK$300 or above under the same policy
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | First 2-year |
| Minimum Monthly Repayment | (i) If the Monthly Statement Balance is HK$/RMB200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$/RMB200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$/RMB200, the minimum payment will be the Monthly Statement Balance |
| Interest Free Period | Up to 60 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
MoneySmart Exclusive
Unlimited 1.2% Cashback
- Min. Annual Salary
- HK$150,000
- Cash back on local spend
- 1.2%
- Cash back on overseas spend
- 1.2%
MoneySmart Exclusive: HK$200 Cashback upon Card Approval and A total of up to HK$1,272 Bonus Cashback Valid till 31 Aug 2020.
Key Features
- Enjoy 1.2% cashback on everyday online, local and overseas purchases
- Items purchased via American Express credit card are insured against theft or accidental damage for up to 45 days
- First-year annual fee waiver. Spend HK$25,000 annually and your annual Card fee will be waived for the following year
- Enjoy greater flexibility when making big purchases at selected merchants with our interest-free instalment program
- Online Fraud Protection Guarantee and 45 Days Cover
- 24/7 Customer Service
- Terms & conditions apply
Annual Interest Rate and Fees
| Annual Interest Rate | 37.68% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
Wireless Payment
MoneySmart Exclusive
Free Marco Polo Club green tier membership
- Min. Annual Salary
- HK$150,000
- Miles Conversion (local spend)
- HK$8 = 1 Mile
- Miles Conversion (overseas spend)
- HK$0.1875 = 1 Mile
MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval and enjoy up to 74,000 Asia Miles Valid till 31 Aug 2020.
Key Features
- Welcome offers worth up to 74,000 Asia Miles
- Earn 2 Asia Miles for every HK$8 spent on online Cathay Pacific flight booking
- Earn 2 Asia Miles for every HK$5 you spend+ on Cathay Pacific inflight sales purchases (minimum net purchase of HK$500)
- Enrolment fee waiver for Green tier membership of The Marco Polo Club
- Enjoy Twice-yearly Plaza Premium Lounge access
- Complimentary travel insurance and shopping protection
- HK$8 = 1 Asia Mile on all local spend and HK$8 = 1.5 Asia Mile on foreign currency spend
- Convert your spend into Asia Miles automatically every month with no handling fee
- No cap on earning Asia Miles
- Enjoy 10% discount on purchase of Asia Miles Gift Miles, mileage renewal, and transfer fee
- Up to 3-day priority redemption for selected discount flight awards bookings online from time to time
- Enjoy Year-round 10% savings at Broadway
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
Wireless Payment
Welcome Offer
As low as HK$1=1 Avios for welcome offer
- Min. Annual Salary
- HK$150,000
- Miles Conversion (local spend)
- HK$6 = 1 Avios
- Miles Conversion (overseas spend)
- HK$0.25 = 1 Avios
Welcome Offer: up to 100,000 Avios/ Supplementary Card 1,000 Avios Offer Valid till 31 Dec 2020.
Key Features
- Welcome offer up to 10,000 Avios/ Overseas Spending HK$6 = 2 Avios/ Participate in 100,000 Avios Lucky Draw
- HK$6 = 1 Avios on local spending
- HK$6 = 1.5 Avios on overseas spending
- HK$6 = 2 Avios on spending on your birthday
- Book your flights online at www.ba.com or at the British Airways Hong Kong ticket office and pay with your Dah Sing British Airways Platinum Card to earn double Avios (2 Avios for every HK$6 spent)
- 10% discount when you book a round trip air ticket at www.ba.com with the card
- Redeem tickets with oneworld® partner airlines as well as cabin upgrades
- No charges on the conversion for miles
- First 2-year annual fee waiver
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$1,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | First 2-year |
| Minimum Monthly Repayment | (i) If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance |
| Interest Free Period | Up to 60 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
Welcome Offer
8% discount at Watsons and ParknShop
- Min. Annual Salary
- HK$100,000
- Cash back on local spend
- 1％
- Miles Conversion (local spend)
- HK$10 = 1 Mile
Welcome Offer: Get up to HK$400 “InstaRedeem” Amount or LE MAURICE® CUBIX 28” ALUMINUM FRAME SUITCASE or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers Valid till 30 Sep 2020.
Key Features
- Enjoy 1% COMPASS Dollar rebate at designated merchants
- Lower salary requirement (HK$100,000)
- Spend at Taobao and Tmall to earn up to 3% COMPASS Dollar rebate
- Enjoy Flexi Shopping 6/12-month interest-free instalment
- Enjoy up to 90 days repayment period for online spending or transactions in foreign currencies
- Enjoy a buy-5-get-1-free coffee discount at 40+ coffee shops include Starbucks Coffee, Pacific Coffee, Caffe Habituate, Pret A Manager, Public, Agnes b. Cafe L.P.G, The Coffee Academics etc
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | 1% of monthly balance + fees |
Minimum Income Requirements
| Local Resident | HK$100,000 |
|---|---|
| Foreigner | HK$100,000 |
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
Enjoy HK$0.3=1 mile on ANA ticket purchase
- Min. Annual Salary
- HK$150,000
- Miles Conversion (local spend)
- HK$8 = 1 Mile
- Miles Conversion (overseas spend)
- HK$8 = 1 Mile
Key Features
- Welcome offer up to 8,000 Miles + HK$4 = 1 Mile on overseas spending + a chance to win a complimentary ANA round-trip air ticket to Japan + online exclusive HK$100 Cash Rebate
- HK$8 = 1 Mile on all local and overseas spending
- No limit for earning miles and you can redeem a round trip ticket to Japan with as low as 17,000 Miles. You can also take Business Class to Japan with as low as 35,000 Miles
- Enjoy priority check-in service at ANA Business class check-in counter (valid when using flights operated by ANA)
- Principal Cardholders will receive an extra 25% mileage when using flights operated by ANA
- No handling fees on miles conversion
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| Annual Principal Fee | HK$1,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | 1st year |
| Minimum Monthly Repayment | (i) If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance |
| Interest Free Period | Up to 60 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
MoneySmart Exclusive
Enjoy premium travel offers
- Min. Annual Salary
- HK$1,000,000
- Cash back on local spend
- N/A
- Miles Conversion (local spend)
- N/A
MoneySmart Exclusive: American Express welcome offer - Up to 480,000 Membership Rewards® Points (which equivalent to HK$1,600 cash vouchers/ 32,000 air miles) and extra HK$800 Sogo Cash Coupon Valid till 31 Aug 2020.
Key Features
- Enjoy over 1,200 lounges access over the world and exclusive access to the Centurion Lounges
- Welcome offer up to 480,000 reward points (which equivalent to 32,000 air miles or HK$1,600 cash vouchers)
- Earn 3 Membership Rewards point for every HK$1 oversea spending (HK$5 = 1 Mile)
- Complimentary hotel membership to world’s leading hotels
- Complimentary benefits worth an average total value of HK$4,200 with Fine Hotels & Resorts
- Buy-1-Get-1-Free: 3D, 2D and IMAX regular priced movie tickets on Fridays all year round at Broadway Circuit
- Complimentary travel insurance
- * Beginning April 1, 2020 (“Effective Date”), the administration fee to transfer American Express Membership Rewards points to air miles of any participating frequent flyer program will be changed to HK$300 per transfer.
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$7,800 |
| Supplementary Annual Fee | complimentary 2 supplementary cards |
| Fee Waiver | |
| Minimum Monthly Repayment | N/A |
Minimum Income Requirements
| Local Resident | HK$1,000,000 |
|---|---|
| Foreigner | HK$1,000,000 |
Card Association
MoneySmart Exclusive
Up to 15% bus fare rebate
- Min. Annual Salary
- HK$150,000
- Cash back on local spend
- 0.5%
- Miles Conversion (local spend)
- N/A
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Key Features
- Enjoy 15% KMB, LWB, CTB and NWFB Bus Fare Rebate
- HK$200 spending = HK$1 Octopus cash rebate
- Earn Octopus Reward$ when you spend at designated merchants
- 2-in-1 credit card with Octopus service
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.5% of statement balance + fees. For more info, view T&C |
| Interest Free Period | 58 days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
| Visa |
|---|