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Citi Cash Back Card

MoneyHero.com.hk Exclusive OfferSponsored Product
MoneyHero.com.hk Exclusive Offer:
Up to $1,640 reward as welcome offer
2% auto rebate for local dining, hotel spending and foreign currency spending with no cap
1% cash rebate from e-Wallets transaction
2% auto rebate for local dining, hotel spending and foreign currency spending with no cap
1% cash rebate from e-Wallets transaction

Features

Spending requirements Reward rebate
Spending of HK$10,000 or above within first two months $1,000 welcome cash rebate +
$100 basic cash rebate
Eligible retail transactions via Apple Pay, Google Pay or
Samsung Pay within the first 2 months from the date of card issuance
 $40 cash rebate
Successful applications via MoneyHero.com.hk HK$500 Wellcome cash coupon
  Up to $1,640 rewards
1% unlimited rebate for other spending, including e-wallet top up and Octopus Card auto top up.
Most suitable for customer who has big spending in short period.
HK$500 Wellcome cash coupon: Only applicable to the applicants from moneyhero.com.hk from 1 to 30 June 2019.
Please click here for guide on coupon redemption.
All matters and disputes are subject to the final decision of MoneyHero.com.hk and Citibank.
Welcome Gift Requirement: New customer who has accumulate spending of HK$10,000 or above within the first 2 months from the date of card issuance can earn extra HK$1,000 cash rebate. Any eligible spending includes PayMe, Apple Pay, Google Pay, WeChat Pay, Ali Pay or Octopus, etc. Promotion period is valid from 1 to 30 June 2019, both days inclusive.
Eligible retail transactions via Apple Pay, Google Pay or Samsung Pay within the first 2 months from the date of card issuance is entitled to a maximum of $40 cash rebate
Transactions made in respect of banquet services, private functions and private room events will not be counted as Eligible Hotel Spending Transactions. The full amount of earned rebate will be credited to the Card account on the following statement when the accumulated rebate balance reaches HK$200 or above.

Promotions and Terms and Conditions

MoneyHero.com.hk Exclusive Offer
HK$500 Supermarket coupon

From 1 to 30 June 2019, both days inclusive, for new customers applying through MoneyHero.com.hk

    Welcome Offers
    Up to HK$1,000 Cash Rebate
    • New Customers who did not have Citi Credit Card in past 12 months apply before and accumulate spending of HK$10,000 or above within the first 2 months from card issuance
    • Promotion period is valid from 1 to 30 June 2019, both days inclusive.

    APR/Fees

    APR
    Minimum Payment
    a)The total of all current month's interest, annual fee, late charge, past due amount, overlimit amount, other fees and charges if any; and b)1.5% of statement balance (exclude item a, where applicable)
    Late payment charge
    Maximum HK$250
    Retail Purchase APR
    35.52%
    Cash Advance APR
    39.72%
    Interest Free Repayment Period
    58 days
    Fees
    Annual fee
    $ 1,800
    Foreign Currency Transaction Fee
    1.95%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $240,000

    Standard Chartered Simply Cash Visa Card

    MoneyHero.com.hk Exclusive OfferSponsored Product
    MoneyHero.com.hk Exclusive Offer:
    Up to HKD 1,550 welcome rebate
    Unlimited CashBack all year-round
    Unlimited CashBack all year-round

    Features

    From 1 March to 2 July 2019 (both dates inclusive), new cardholders who submit the Standard Chartered Simply Cash Visa Card application through online channel and fulfill relevant requirements can enjoy up to 100% CashBack (up to HKD1,000) as welcome offer:
  • New cardholders can enjoy 100% CashBack on any spending on eligible transactions within the first 2 months from the date of card issuance
  • Top-up Offer: HKD100 CashBack
    • After receiving the newly approved Simply Cash Visa Card, New Cardholders who newly sign up for Online Banking and complete the first login within the first 2 months from the date of card issuance can get extra HKD100 CashBack.
    • You only need your Phone Banking Card Number (the 16-digit of the Credit Card Number), TIN and mobile phone to sign up for Online Banking. For Online Banking registration demonstration, please visit Standard Chartered Bank (Hong Kong) Limited website.
    • If you forget your Username or Password after registration, you may reset with your Phone Banking Card Number (Simply Cash Visa Card) and TIN again.
    Note:
    The top-up offer is only applicable to New Cardholders who have never signed up for Online Banking with the Bank on or before 28 February 2019.
    MoneyHero.com.hk Exclusive reward of HKD350 supermarket coupon is only applicable to new customers. New customers to redeem the rewards from MoneyHero.com.hk, please send your card face to coupon@moneyhero.com.hk for verification and follow-up. For the details of the redemption step, please refer to here
    For your information security, please cover your private information, such as credit card number and expiry date, but leave your name and reference number to verify that your application has been approved.
    Promotional period: 1 to 30 June 2019
    Unlimited CashBack all year-round: 1.5% CashBack for eligible spending in local currency and 2% CashBack for eligible spending in foreign currencies
    Priority Banking/Premium Banking/Bonus Payroll Account clients can enjoy perpetual annual fee waiver for the principal card
    Terms and conditions apply

    Promotions and Terms and Conditions

    MoneyHero.com.hk Exclusive Offer
    HK$350 supermarket cash coupon

    From 1 to 30 June 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk

    Welcome Offers
    100% CashBack (up to HKD1,000)
    • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Simply Cash Visa Card application through online channel during the period from 1 March to 2 July 2019 (both dates inclusive) and fulfill relevant requirements. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current application for a principal card of Standard Chartered Credit Cards
    • CashBack rewarded under this welcome offer includes the CashBack earned from the prevailing Standard Chartered Simply Cash Rewards Scheme
    • New Cardholders must successfully apply for, and being issued with, the principal card of Standard Chartered Simply Cash Visa Card by Standard Chartered Bank (Hong Kong) Limited on or before 31 October 2019 in order to be eligible for this welcome offer
    • Eligible transactions are local and overseas retails transactions, online purchase or posted amount of instalment purchase made within the first 2 months from the date of issuance of the newly approved Standard Chartered Simply Cash Visa Card
    • Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details

    APR/Fees

    APR
    Minimum Payment
    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
    Late payment charge
    EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower
    Retail Purchase APR
    35.7%
    Cash Advance APR
    39.09%
    Interest Free Repayment Period
    Up to 56 days
    Fees
    Annual fee
    $2,000
    Foreign Currency Transaction Fee
    1.95%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $96,000

    CNCBI Motion Credit Card

    MoneyHero.com.hk Exclusive OfferSponsored Product
    MoneyHero.com.hk Exclusive Offer:
    Free six-month Birdie 5-GB Plan OR Up to HK$660 rebate as welcome gift
    HK$200 cash rebate exclusively from MoneyHero.com.hk
    2% Local Dining and Overseas Spending Cash Rebate in first year; First 3 years annual fee waiver
    HK$200 cash rebate exclusively from MoneyHero.com.hk
    2% Local Dining and Overseas Spending Cash Rebate in first year; First 3 years annual fee waiver

    Features

    Qualified spending requirements Welcome offer
    (Choose either one)
    Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance Free six-month Birdie 5-GB Plan (monthly fee: HK$90)
    Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance HK$400 Cash Rebate
    MoneyHero.com.hk Exclusive Offer: HK$200 Cash rebate
    1. New customers successfully apply CNCBI VISA Platinum Card, CNCBI Air China Dual Currency Credit Card or CNBI Motion Credit Card through MoneyHero.com.hk during the promotion period
    2. Promotion period: 1 to 30 June 2019; and
    3. New customers are entitled to earn up to HK$200 cash rebate (MoneyHero.com.hk Exclusive Offer); and
    4. China CITIC Bank will credit the HK$200 cash rebate into the respective credit card account within 3 months after the card approval month.
    Dual Card Application HK$100 Reward Cash Rebate
    1. Successfully applied both CNCBI VISA Platinum Card and CNCBI Air China Dual Currency Credit Card or CNCBI Motion Credit Card and CNCBI Air China Dual Currency Credit Card simultaneously;
    2. Fulfil the related requirements of the promotion; and
    3. Must spend with CNCBI VISA Platinum Card or CNCBI Motion Credit Card (transaction made by CNCBI Air China Dual Currency Credit Card are not included)
    2% Local Dining and Overseas Spending Cash Rebate in first year:
    Within the first 12 months after approval of CNCBI Motion Credit Card, you can enjoy 2% Local Dining and Overseas Spending Cash Rebate on eligible spending. Subsequently, you will continue to enjoy 0.55% Basic Cash Rebate(payment make via ATM/online banking for first HK$10,000 each month). For every HK$180 spending, you can earn =~ HK$1 Cash Rebate.
    2% Local Dining and Overseas Spending Cash Rebate in first year:
    Make eligible spending with the designated credit card within the first 12 months of issuance of the card (calculated with reference to the transaction dates) can enjoy 2% Cash Rebate on completed and posted eligible spending made within the same calendar month (calculated with reference to the transaction dates). 2% Cash Rebate includes 0.55% Basic Cash Rebate (payment make via ATM/online banking for first HK$10,000 each month) and 1.45% Extra Cash Rebate

    Promotions and Terms and Conditions

    MoneyHero.com.hk Exclusive Offer
    HK$200 Cash rebate

    New customers successfully apply CNBI Motion Credit Card through MoneyHero.com.hk from 1 to 30 June 2019

    Welcome Offers
    OPTION 1
    Free six-month Birdie 5-GB Plan (monthly fee: HK$90)

    Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance


    OPTION 2
    HK$400 Cash Rebate

    Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance


    APR/Fees

    APR
    Minimum Payment
    All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any)(the minimum amount of Minimum Payment is HK$250).
    Late payment charge
    HK$300 or Minimum Payment, whichever is lower.
    Retail Purchase APR
    34.49%
    Cash Advance APR
    36.43%
    Interest Free Repayment Period
    57 days
    Fees
    Annual fee
    $ 1,200
    Foreign Currency Transaction Fee
    1.95%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $150,000

    EarnMORE Unionpay Diamond Card

    Latest OfferSponsored Product
    Latest Offer:
    OTO Qseat foot massager as welcome offer
    2% cash rebate for Octopus Automatic Add Value Service
    3 complimentary visits to the Plaza Premium Lounges at airport
    2% cash rebate for Octopus Automatic Add Value Service
    3 complimentary visits to the Plaza Premium Lounges at airport

    Features

    Qualified spending requirements Welcome offer
    (Choose 1 from 4)
    Qualified retail spending over HK$8,500 within the first 90 days of card issuance
    Fee: HK$200 each month x 3-month installment
    OTO Qseat foot massager
    Qualified retail spending over HK$8,500 within the first 90 days of card issuance HK$600 Häagen-Dazs™ coupon
    Qualified retail spending over HK$8,500 within the first 90 days of card issuance HK$500 cash rebate
    No spending requirement Up to HK$90,000 interest-free and handling fee-free Cash instalment program
    Extra HK$100 cash rebate for successful online applications
    Apply Octopus Automatic Add Value Service using EARNMORE credit card to enjoy 2% cash rebate at every reloading
    2% cash rebate (1% basic + 1% extra rebate) on year-round spending; cap for the 1% extra cash rebate during 1 January - 31 December 2019; the cash rebate will be deposited in next credit card statement
    Exemption of foreign transaction fees
    Annual fee waiver for the first 2 years
    Welcome offer only applies to new applicants who successfully apply EarnMORE Unionpay Diamond Card during the promotional period from 1 January to 31 December 2019 (Both dates inclusive)

    Promotions and Terms and Conditions

    Welcome Offers
    OPTION 1
    OTO Qseat foot massager

    Qualified retail spending over HK$8,500 within the first 90 days of card issuance + Fee: HK$200 each month x 3-month installment


    OPTION 2
    HK$600 Häagen-Dazs™ coupon

    Qualified retail spending over HK$8,500 within the first 90 days of card issuance


    OPTION 3
    HK$500 cash rebate

    Qualified retail spending over HK$8,500 within the first 90 days of card issuance


    OPTION 4
    Up to HK$90,000 interest-free and handling fee-free Cash instalment program

    No spending requirement


    APR/Fees

    APR
    Minimum Payment
    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)
    Late payment charge
    HK$250 or an amount equivalent to the minimum payment stated on the monthly statement (whichever is lower)
    Retail Purchase APR
    44.55%
    Cash Advance APR
    47.32%
    Interest Free Repayment Period
    53 days
    Fees
    Annual fee
    $ 800

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $150,000

    BEA Visa Signature Card

    Latest Offer
    Latest Offer:
    HK$800 cash rebate
    Up to 6.8% cashback rate of local spending (Dinning)
    Up to 20% off on movie tickets
    Up to 6.8% cashback rate of local spending (Dinning)
    Up to 20% off on movie tickets

    Features

    From now till 2nd July, 2019, new customer apply BEA Visa Signature card via online successfully, and meet the spending requirement, who can obtain below welcome offer.
    Welcome offer:HK$800 cash rebate
    BEA Days Extra 11X Bonus Points (4.4% rebate):
    Spending category Monthly accumulated spending # Rebate
    Local Spending ≥HK$2,000Extra 11X Bonus Points (max. 50,000 Bonus Points)
    Overseas Spending (Includes online foreign currency transaction)Extra 11X Bonus Points (max. 50,000 Bonus Points)
    Mobile Payment (Local bakeries / Fast food / Coffee shop)Up to 10% (max. HK$100/month)
    # Monthly accumulated spending amount includes eligible transactions of local dining / online / retail / overseas / online foreign currency / mobile payments

    For details and registration, please refer to here.

    Unlimited Bonus Points
  • Local dining 6X Bonus Points (2.4% rebate)
  • Overseas spending 4X Bonus Points (1.6% rebate)
  • Foreign currency fee will be adjusted to 1.5% from 1st May 2019
    Up to 6.8% cashback rate of local spending (Dinning): BEA Days 4.4% cash rebate + Visa Signature 2.4% cash rebate
    Up to 6% cashback rate of overseas spending: BEA Days 4.4% cash rebate + Visa Signature 1.6% cash rebate
    Two free travel insurance plans
    Up to 20% off on movie tickets
  • 20% off on regular-price movie tickets at MCL Cinemas and priority ticketing counter at the Festival Grand Cinema box office
  • 20% off on regular-price movie tickets at UA Cinemas and priority ticketing counter at the UA Cinemas box offices
  • Priority booking service for spectacular concerts

    Promotions and Terms and Conditions

    Welcome Offers
    HK$800 cash rebate
  • Within 2 months of card issuance, new customers are required to
    1. activate the card through the BEA App; AND
    2. reach HK$8,000 in local/overseas retail spending or cash advances
  • HK$800 cash rebate will be credited to the cardholder’s account within 2 months after the spending requirement is fulfilled

  • APR/Fees

    APR
    Minimum Payment
    All interest, fees and charges including annual fees that may be charged, plus 1% of outstanding principal (minimum: HK$/CNY50), plus any outstanding minimum payment due and over credit limit amount.
    Late payment charge
    HK$/CNY350 or the Minimum Payment Due, whichever is lower.
    Retail Purchase APR
    32.92%
    Cash Advance APR
    35.06%
    Interest Free Repayment Period
    Up to 56 days
    Fees
    Annual fee
    $ 1,800
    Foreign Currency Transaction Fee
    1.5%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $240,000

    BEA iTitanium Card

    Latest Offer
    Latest Offer:
    HK$500 cash rebate or HKTVmall Gift Voucher; extra 5 days Birdie Travel SIM
    BEA Days up to HK$500 cash rebate each month
    BEA Days up to HK$500 cash rebate each month

    Features

    [Hey! Student! ] BEA iTitanium Card is also applicable to Tertiary Students. It has no income requirement. You are eligible for up to $400 cash rebate! Apply here!
    From now till 31st July, 2019, new customer apply BEA i-Titanium card via online successfully, and meet the spending requirement, who can obtain below welcome offer.
    Welcome Offer (Choose either one):
      1) HK$500 cash rebate; OR
      2) HK$500 HKTVmall Gift Voucher;
    Card Approval Offer.5 days Birdie Travel SIM
  • Activated the card through BEA App on or before 31st July, 2019;
  • BEA will deliver a redemption coupon code through SMS message to Eligible Customers’ mobile number registered with BEA within 2 months
  • BEA Days 4.4% cash rebate:
    Spending category Monthly accumulated spending # Rebate
    Local Spending ≥HK$1,000extra 4.4% (max. HK$200/month)
    Overseas Spending (Includes online foreign currency transaction) extra 4.4% (max. HK$200/month)
    Mobile Payment (Local bakeries / Fast food / Coffee shop) Up to 10% (max. HK$100/month)
    # Monthly accumulated spending amount includes eligible transactions of local dining / online / retail / overseas / online foreign currency / mobile payments

    For details and registration, please refer to here.

    Cash rebate
  • 3% i-Dollar rebate for online shopping
  • Every HK$250 in retail spending = HK$1 cash rebate
  • Foreign currency fee will be adjusted to 1.5% from 1st May 2019
    Up to 7.8% cashback rate of online shopping spending: BEA Days 4.4% cash rebate + i-Dollar 3% cash rebate + i-Titanium 0.4% cash rebate
    Up to 4.8% cashback rate of local spending: BEA Days 4.4% cash rebate + i-Titanium 0.4% cash rebate
    10% off on movie tickets
  • 10% off on regular-price movie tickets at MCL Cinemas (except The Grand Cinema) and priority ticketing counter at the Festival Grand Cinema box office
  • 10% off on regular-price movie tickets at UA Cinemas and priority ticketing counter at the UA Cinemas box offices
  • Priority booking service for spectacular concerts

    Promotions and Terms and Conditions

    Welcome Offers
    OPTION 1
    HK$500 cash rebate

  • Within 2 months of card issuance, new customers are required to

    1. activate the card through the BEA App; AND
    2. reach HK$6,000 in local/overseas retail spending or cash advances

  • HK$500 cash rebate will be credited to the principal cardholder’s account within 2 months after the spending requirement is fulfilled

  • OPTION 2
    HK$500 HKTVmall Gift Voucher

  • Within 2 months of card issuance, new customers are required to

    1. activate the card through the BEA App; AND
    2. reach HK$6,000 in local/overseas retail spending or cash advances

  • The HK$500 HKTVmall gift voucher will be mailed to the cardholder’s mailing address within 2 months after the spending.
  • Use of the gift voucher will be bound by the terms and conditions prescribed by the participating merchant.

  • APR/Fees

    APR
    Minimum Payment
    All interest, fees and charges including annual fees that may be charged, plus 1% of outstanding principal (minimum: HK$/CNY50), plus any outstanding minimum payment due and over credit limit amount.
    Late payment charge
    HK$/CNY350 or the Minimum Payment Due, whichever is lower.
    Retail Purchase APR
    32.92%
    Cash Advance APR
    35.06%
    Interest Free Repayment Period
    Up to 56 days
    Fees
    Annual fee
    $ 600
    Foreign Currency Transaction Fee
    1.5%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $40,000
    Min. Annual Income
    Student Card: Please refer to BEA i-Titanium Card Product Page

    Hang Seng MPOWER Card

    Latest Offer
    Latest Offer:
    Choose one: Up to 8 MCL Cinemas Movie Tickets + $100 Cash Dollars; Up to 365-day KKBOX Premium Membership + $100 Cash Dollars; Up to $700 Cash Dollars
    No income requirement for students
    No income requirement for students

    Features


    Choose either one:
    1. Up to 8 MCL Cinemas Movie Tickets + $100 Cash Dollars; or
    2. Up to 365-day KKBOX Premium Membership + $100 Cash Dollars; or
    3. Up to $700 Cash Dollars (limited to first 5,000 applicants until 31 July 2019)
    *Promotion Period: 13 March to 31 July 2019
    Eligible customer should make transaction in an accumulated amount of HKD5,000 with the card within 60 days from the date of new card issuance during the Promotion Period
    Up to 4.4% Cash Dollars Rebate Reward (Successful registration until 31 December 2019)
    • Accmulate eligible transactions to HKD3,000 with Hang Seng MPOWER Card, you can earn up to 4.4% Cash Dollars Rebate
    • Designated Mobile Payment Spending Transaction:
      Local Dining, Fashion and Entertainment (including Apple Pay、Google Pay、Samsung Pay)
    • Designated Online Shopping Transaction:
      Taobao,Tmall,iTunes and Google Play
    • Overseas Transaction
    MCL Cinemas Privileges (Promotion period: from now to 31 March 2020)
    • MCL Cinemas Online Ticketing Handling Fee Waiver
      Buying any movie tickets at MCL Cinemas website by using the Eligible Credit Card is subject to a maximum of handling fee waiver for 4 tickets in each transaction
    • MCL Cinemas Movie Day
      Customers can use $1 Cash Dollar to purchase an additional 2D / 3D adult ticket on every last Friday of each month (“Movie Day”) by purchasing regular-priced 2D / 3D adult ticket of the same show with the Eligible Credit Card
    • MCL Cinemas Free Popcorn
      Customers can redeem one complimentary popcorn coupon by purchasing two movie tickets or above with the Eligible Credit Card in the same transaction when ticketing at MCL Cinemas box office
    • MCL CLUB Membership
      • Additional Gift Vouchers for Join / Renew MCL CLUB Membership
        Two additional electronic 2D Gift Vouchers
      • MCL CLUB Double Bonus Point Reward
        Customers can enjoy double MCL CLUB bonus point by using the Eligible Credit Card to purchase any movie tickets
    KKBOX Premium Membership Monthly Subscription Plan (Promotion Period: from now to 31 March 2020)
    • HKD1 for the first 90 days subscription and HKD53 for the next month thereafter
    If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged
    MPOWER Card Student Card is only applicable to Full-time University/Tertiary Student, attending certificate level or above course offered by following accredited education institutions and their subsidiaries, including: accredited universities in Hong Kong, The Education University of Hong Kong (former name is Hong Kong Institute of Education), Chu Hai College of Higher Education, Vocational Training Council, Hong Kong Institute of Vocational Education, The Hang Seng University of Hong Kong (former name is Hang Seng Management College), Hong Kong Academy for Performing Arts, Caritas Institute of Higher Education, Caritas Bianchi College of Careers, Hong Kong Institute of Technology, Hong Kong College of Technology, Savannah College of Art and Design Hong Kong, Centennial College or Yew Chung College of Early Childhood Education

    Promotions and Terms and Conditions

    Welcome Offers
    OPTION 1
    Up to 8 MCL Cinemas Movie Tickets + Extra $100 Cash Dollars
    • New credit card customer: 8 MCL Cinemas Movie Tickets (5 2D Movie Tickets and 1-year MCL CLUB PLUS Membership with 3 2D Movie Tickets)
    • Existing credit card customer: 5 MCL Cinemas Movie Tickets (2 2D Movie Tickets and 1-year MCL CLUB PLUS Membership with 3 2D Movie Tickets)
    • Earn extra $100 Cash Dollars through online application

    OPTION 2
    Up to $600 Cash Dollars + Extra $100 Cash Dollars
    • New credit card customer: $600 Cash Dollars Welcome offer (limited to first 5,000 applicants until 31 July 2019)
    • Existing credit card customer: $200 Cash Dollars Welcome offer
    • Earn extra $100 Cash Dollars through online application

    OPTION 3
    Up to 365-day KKBOX Premium Membership + Extra $100 Cash Dollars
    • New credit card customer: 365-day KKBOX Premium Membership
    • Existing credit card customer: 180-day KKBOX Premium Membership
    • Earn extra $100 Cash Dollars through online application

    APR/Fees

    APR
    Minimum Payment
    The Minimum Payment Amount is HK$230 or the sum of item (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 item (i) to (iii).
    Late payment charge
    HK$230 or an amount equal to the Minimum Payment Amount (whichever is lower)
    Retail Purchase APR
    34.97%
    Cash Advance APR
    38.37%
    Interest Free Repayment Period
    56 days
    Fees
    Annual fee
    Perpetual Annual Fee Waiver
    Foreign Currency Transaction Fee
    1.95%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    HK$150,000 (except full-time university/tertiary students)

    Hang Seng Prestige World Mastercard

    Latest Offer
    Latest Offer:
    Up to $600 Cash Dollars as welcome offer
    Extravagant rewards include delicacies, shopping and travel privileges
    Perpetual annual fee waiver
    Extravagant rewards include delicacies, shopping and travel privileges
    Perpetual annual fee waiver

    Features


    Welcome Offers
    1. $400 Cash Dollars and
    2. $200 Cash Dollars (Online Application Extra Reward)

    *Promotion period: 1 January to 30 June 2019

    Starting from the month of successful registration
    Eligible spending transactions Cash Dollars Rebate
    Overseas6%
    Online shopping & weekend local dining 4%

    *Offers of up to 20% off from international delicacies to exquisite cuisines at world-class hotels and Michelin-starred restaurants


    Travel privileges
  • Airport limousine service
  • Worldwide airport lounge privilege,
  • Brand new hotel & resorts privileges and
  • 10% off for all car groups’ rental
  • Entitled to 25% off shopping offers at Gmarket Global (Korean fashion)
    Enjoy up to 22% off plus free shipping at lookfantastic
    Birthday privileges
    Perpetual annual fee waiver is applicable to principal and supplementary card customers
    Prestige World Mastercard is offered to Prestige Banking customers only. In case of cancellation of the Prestige Banking account, Hang Seng Prestige World Mastercard will also become invalid, and those exclusive offers that can be enjoyed through the card will also be no longer available
    The welcome offers are only applicable to Principal Card customers without holding any Hang Seng Prestige World Mastercard currently and/or in the past 12 months
    If a customer has received the welcome gift and subsequently cancels the Hang Seng Prestige World Mastercard account within 13 months from the date of the account opening, a handling fee of an equivalent amount will be charged

    Promotions and Terms and Conditions

    Welcome Offers
    Up to $600 Cash Dollars
    • $400 Cash Dollars:
      Customers are required to accumulate transaction amount of HKD10,000 within 60 days from the date of new card issuance
    • Extra $200 Cash Dollars:
    1. Fulfil the above spending requirements
    2. Eligible Customers are required to apply for any of the Designated Credit Cards via online or through designated hotline


    APR/Fees

    APR
    Retail Purchase APR
    34.97%
    Cash Advance APR
    38.37%
    Fees
    Annual fee
    $6000
    Foreign Currency Transaction Fee
    1.95%

    Eligibility

    Minimum Age
    Min. Annual Income
    HK$150000

    WeWa Unionpay Diamond Card

    Latest Offer
    Latest Offer:
    One set of Round-trip Standard Seat Flight Tickets for One Passenger to Japan (Osaka or Okinawa) as welcome offer
    Join “Shake to Win II” Lucky Draw to win prizes
    Join “Shake to Win II” Lucky Draw to win prizes

    Features

    Eligible Retail Purchase Transactions requirements Welcome offer
    (Choose 1 from 4)
    Eligible Retail Purchase Transactions over HK$12,000 within 90 days from the card issuing date One set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa)* with HK$100 Hotel Voucher
    Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date HK$600 Häagen-Dazs™ Gift Voucher
    Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date HK$500 cash rebate
    No spending requirement Up to HK$90,000 interest-free and handling fee-free Cash instalment program

    * Include a personal round-trip baggage for up to 20 kg of baggage and pre-selected standard guest rates;
    Departure date is from 15 May 2019 to 31 March 2020 (Not applicable for designated tourist season)

    Airlines include Hong Kong Airlines, Letao Airlines, Air India or Hong Kong Express Airways
    Cardholders will be entitled to 1 Lucky Draw chance in “Shake to Win II” via OmyCard mobile application upon they make single eligible retail transaction of HK$400 or above from 1 March to 31 August 2019 with WeWa credit card.

    Prizes include:

    • From 5% to 50% Single Transaction Rebate
    • Godiva e-Voucher
    • 4 Days MSIG Travel Insurance
    • Prestige Prizes: HK$100,000 WeWa card spending credit (only 1 winner)
    WeWa Cash Rebate: HK$10 cash rebate for every HK$250 Spending within specific categories (Travel, Cinema, Karaoke, Theme park) (4%cashback); HK$1 cash rebate for every HK$250 Spending within other categories
    During the promotional period of “Shake to Win II”, each card account can enjoy a maximum 1 Lucky Draw chance respectively for the first eligible retail transaction or the first eligible cash advance transaction each day. Trade Promotion Competition Licence: 51768-70

    For the details of the terms and conditions, please visit WeWa Credit Card.

    Welcome offer only applies to new applicants who successfully apply WeWa UnionPay Diamond Card during the promotional period from 1 March to 31 August 2019 (Both dates inclusive)
    The promotional period of a set of round-trip standard seat flight tickets for one passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher is from 15 May to 31 August 2019
    click here for more information

    Promotions and Terms and Conditions

    Welcome Offers
    OPTION 1
    One set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher

    Eligible Retail Purchase Transactions over HK$12,000 within 90 days from the card issuing date


    OPTION 2
    HK$600 Häagen-Dazs™ Gift Voucher

    Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date


    OPTION 3
    HK$500 Cash Rebate

    Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date


    OPTION 4
    Up to HK$90,000 Interest-free Adminitration fee-free Cash Instalment Plan

    No Spending requirements


    APR/Fees

    APR
    Minimum Payment
    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)
    Late payment charge
    Minimum Payment Due or HK$250 (whichever is lower)
    Retail Purchase APR
    31.58%
    Cash Advance APR
    37.07%
    Interest Free Repayment Period
    53 days
    Fees
    Annual fee
    $ 800

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $150,000

    HSBC Visa Signature Card

    Latest Offer
    Latest Offer:
    Successfully apply online to enjoy up to $900 RewardCash
    Year-round spending rewards up to 5.6% RewardCash rebate (equivalent to HK$1.8 per air mile)
    First 2 years annual fee waiver
    Year-round spending rewards up to 5.6% RewardCash rebate (equivalent to HK$1.8 per air mile)
    First 2 years annual fee waiver

    Features

    Spending requirements Welcome offer
    Spend over HK$/RMB 6,000 or above within first 60 calendar days from the issuance of credit card New Customers: $800 RewardCash
    Existing Customers: $400 RewardCash
    Successfully settled credit card statement or eligible transaction via “Pay with RC” function in HSBC Reward+ Mobile App within the first 60 calendar days from the issuance of the credit card $100 RewardCash
      New Customers can enjoy up to $900 RewardCash
    Year-round spending rewards up to 5.6% RewardCash rebate (equivalent to HK$1.8 per air mile)
    Basic Rewards: You can earn $1 RewardCash for every HK$250 (equivalent to 0.4% RewardCash rebate) you spend on a credit card.
    Enjoy up to 2.4% RewardCash rebate by registering for "Red Hot Rewards of Your Choice" programme and allocating extra RewardCash to your preferred spending categories. (Promotional period till 31 Dec 2019), i.e, earn up to $6 RewardCash for every HK$250.
    Enjoy extra 2% RewardCash rebate by registering for "Red Hot Online & Overseas Spending Rewards" to earn 2% RewardCash rebate on eligible online and overseas transactions. (Promotional period till 31 Dec 2019), i.e, earn extra $5 RewardCash for every HK$250.
    Visa Signature Exclusive: Enjoy an extra 1.2% RewardCash rebate on your spending in all spending categories of "Red Hot Rewards of Your Choice" without registration, i.e, earn extra $3 RewardCash for every HK$250.
    You could earn RewardCash for pay bills online.
    Exclusive 24-hour Concierge and emergency services provided by Visa.
    The Welcome Offer Promotional Period is from 4 June 2019 to 19 February 2020
    Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 October 2019 among your six preferred spending categories of Dining, Entertainment, Home, Lifestyle, China Spending and Overseas Spending for the first HK$100,000 eligible spending.
    Cardholders could only enjoy the "Red Hot Online & Overseas Spending Rewards" by registering in the promotional period and conducted Eligible Transaction(s) with an Eligible Credit Card for a cumulative Net Spending Amount of HK$3,000 or above in each Phase during the Promotional Period. The total maximum amount of extra RewardCash on Eligible Transactions to be awarded to each Cardholder in each Phase is $300 RewardCash.
    To borrow or not to borrow? Borrow only if you can repay!

    Promotions and Terms and Conditions

    Welcome Offers
    Up to $900 RewardCash
    • Welcome Gift – $800 RewardCash (for New Customers) / $400 RewardCash (for Existing Customers): Spend over HK$/RMB 6,000 or above within first 60 calendar days from the issuance of credit card
    • “Pay with RC” Reward – $100 RewardCash: Successfully settled credit card statement or eligible transaction via “Pay with RC” function in HSBC Reward+ Mobile App within the first 60 calendar days from the issuance of the credit card

    APR/Fees

    APR
    Minimum Payment
    All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any)(the minimum amount of Minimum Payment is HK$50).
    Late payment charge
    Minimum Payment Due or HK$230, whichever is lower
    Retail Purchase APR
    36.43%
    Cash Advance APR
    37.75%
    Interest Free Repayment Period
    56 days
    Fees
    Annual fee
    HK$ 2,000
    Foreign Currency Transaction Fee
    1.95%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    HK$ 360,000

    Need some help?

    No worries, we've got you covered!

    How to choose the best cash back credit card?

    The first factor to consider when choosing a cash back credit card is annual fee; while a no-annual-fee credit card may not be the best card, just make sure that the fee should not exceed your cash back rewards.

    Furthermore, the card's cash back rewards system is also an important consideration for picking the best credit card, which includes welcome bonus, cash back percentage, redemption policy, cash back limit and minimum spending.

    Some banks offer higher cash back rates on certain spending categories or specific shops, such as department stores, supermarkets and travel agencies. You should choose a credit card based on your purchase behavior to earn more cash back.

    What purchases are eligible for cash back rewards?

    You can earn cash back on the credit card only if you make eligible purchases, while card issuers and even credit cards have different requirements for 'eligible purchases'. Many cash back credit cards only calculate local and overseas retail purchases, but not spending like installment amount, internet banking bill payment service, auto-pay service and Octopus automatic add value service. With the popularity of mobile payment, Apple Pay and Android Pay have been included in some credit cards' "eligible purchases". Please read and fully understand your credit card's terms and conditions to earn more cash back rewards. 

    What should I keep in mind when using a cash back credit card?

    In addition to looking at the cash back plans and annual fees, you should always keep in mind that most of the cash back credit cards have welcome offer promotions, which you can earn extra cash back once you have spent designated amount within a certain period of time. You are suggested to choose your credit cards according to your personal spending preference.

    Also, cash back credit cards for overseas spending may charge a foreign currency handling fee, which lowers the cash back rate, so we suggest that you should check if these fees apply before applying for the credit cards.

    Confused about credit card terms?

    Glossary terms to know for first-time credit card users