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Earn and redeem SmartPoints for the things you love

Our new rewards programme gives you the ultimate flexibility to get rewarded the way you want. Redeem your SmartPoints for Apple, HKTVmall, Logitech, Klook, Uber & more! Available exclusively at the Rewards Store.

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Redeem your SmartPoints for Rewards

Your reward, your choice. Sign up to check out the full range on our Rewards Store.

Earn SmartPoints When You Apply for These Products

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WeWa UnionPay Diamond Card

HK$0

Min. Annual Salary

Up to 6%%

Local, Overseas and Online Spending via selected mobile payments

4%

Cash rebate on travel spending and designated spending categories

【MoneySmart Exclusive Offer】
Want to get extra $300 vouchers from MoneySmart? From now until 31 Jul 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart).

【PrimeCredit x MoneySmart】From now until July 31 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Delsey S-Series 30 inch Front Loader Expandable Suitcase or Panasonic nanoe® Hair Dryer (EH-NA9K) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$50 for Every Referral! 】, Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 500 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 July 2024
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EarnMORE UnionPay Diamond Card

HK$0

Min. Annual Salary

2%

Cash back on overseas spend

2%

Cash back on local spend

【MoneySmart Exclusive Offer】
Want to get extra $300 vouchers from MoneySmart? From now until 31 July 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart).

【PrimeCredit x MoneySmart】From now until July 31 2024, apply EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) Or OTO Vanda 2.0 massage chair (VN-05) (Suggested price: HK$13,800) Or German Pool Smart Air Purifier Fan (EFB-426HM-SC) (Suggested price: HK$2,480) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or **Tertiary Student: HK$400 Klook e-Gift Card (**Extra reward will be fulfilled by PrimeCredit)

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$50 for Every Referral! 】, Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 500 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 July 2024
Apply Now
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AEON CARD WAKUWAKU

HK$0

Min. Annual Salary

6%

Cash back on online shopping

3%

Cash back on Japanese spending


【Limited Time Offer】From now until 31 July 2024, apply for the AEON CARD WAKUWAKU through MoneySmart, you can exclusively enjoy extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc). Alternatively, you can convert them into HK$200 cash and cash out directly! Click here to explore limitless possibilities (T&C applied)!

New AEON Customers successfully applied AEON CARD WAKUWAKU through “AEON HK” Mobile App and input the welcome offer code “MSWAKU” to enjoy an extra HK$200 cash rebate (Offer by AEON) and up to 16% cash rebate + HK$400 cash rebate! Enjoy a year-round 6% cash rebate on online spending! Earn 3% cash rebate on purchases in Japan and enjoy waived transaction fees on foreign currency transactions (except charges imposed by Cards Associations)!

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】, Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31July 2024
Apply Now
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Hang Seng enJoy Card

Perpetual annual fee waiver

Annual fees

2%

Cash back on local spend

Up to 120,000 yuu Points

Welcome Offer


【Make Every Grocery Trip Count】
From now until 31 July, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$1,500 within 30 days after card issuance, can enjoy an extra 15,000 SmartPoints; existing customers who spend HK$700 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!

New customers can use 15,000 SmartPoints to fully redeem HK$1,500 vouchers (over 20+ brand vouchers including Apple / Wellcome/ Klook etc) or BRUNO BOE053-BGY Oval Hot Plate (Value: $1,598) or Jollying 24" Pebble Collapsible Suitcase Foldable Luggage (Retail Value: HK$1,499) from our Rewards Store. 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!

【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 31July 2024
Apply Now
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Valuable Capital Brokerage Account

US$0.99

Min. Commission Fee US Stocks

HK$0

Commission Fee HK Stocks

HK$10,000

Account Opening Min. Funding


New users who successfully open account via MoneySmart with promo code「32BR」, fulfilling specific requirements and submit the reward claim can get rewards below (either 1)
【Reward 1️⃣】Successfully open account and deposit ≥ HK$10,000 and retain for 30 days to get the rewards below:

  • Bose SoundLink Revolve II Bluetooth® Speaker - Luxe Silver (redeem with 10,000 SmartPoints and HK$880, valued at HK$2,198)/B&W Pi5 S2 In-ear True Wireless earbuds (value: HK$2,380) / HK$1,000 Apple Gift Card / PARKnSHOP E-Vouchers

    • 【Reward 2️⃣】Deposit ≥ HK$10,000 and no withdrawal for 60 days to get the rewards below:

  • AirPods Pro (2nd generation) with MagSafe Case (USB‑C) (redeem with 15,000 SmartPoints and HK$349, valued at HK$1,849)/ Sennheiser ACCENTUM Wireless headphones (value: HK$1,600)/ HK$1,500 ParknShop voucher/Apple Store Gift Card


    • Open accounts and first deposit ≥HK$10,000 can get:

    1. HK$200 trading cash coupon*
    2. 30-day HK Stock LV1 streaming quotation*+ HK stocks $0 commission+ US stocks 180 days $0 Commissions Card*

      3. Valid until 31July 2024
    Apply Now
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    More ways to Earn SmartPoints

    We’re working on more ways to help you earn SmartPoints to redeem your favourite products!

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    Frequently Asked Questions

    What is the SmartRewards programme?

    SmartRewards is MoneySmart’s loyalty programme that rewards you for applying to financial products through MoneySmart and for completing actions on MoneySmart. Earn SmartPoints when you do these activities and use SmartPoints to redeem gifts from the Rewards Store.

    What are SmartPoints?

    SmartPoints is MoneySmart’s reward currency. Earn SmartPoints when you apply for financial products through MoneySmart or when you complete actions on MoneySmart. SmartPoints will be credited to your wallet where eligible. You can then use the SmartPoints in your wallet to redeem gifts from the Rewards Store or even convert them to cash.

    What can I use SmartPoints for?

    SmartPoints can be used to redeem gifts from the Rewards Store or even convert them to cash.

    How can I earn SmartPoints?

    1. Through applying for a financial product on MoneySmart - Browse promotions here.
      Apply for financial products through MoneySmart and submit the claim request form here. Ensure that you meet the eligibility criteria of the promotion in order to earn the SmartPoints. The eligibility criteria can be found in the promotion details and/or promotion terms and conditions. SmartPoints will be credited to your wallet automatically when our banking partner validates your eligibility.
    2. Through completing your profiling here. Complete the short questionnaire and earn SmartPoints immediately upon successful completion. (Only eligible for new profile completions.)

    Can I combine my reward points with the reward points of other accounts?

    Please be informed that reward points cannot be combined with the reward points of other users’ accounts.

    Can I transfer my reward points to another account?

    We regret to inform you that the reward points are not transferable.

    Have more questions?

    Visit our full FAQs here.