Best Entry Level / Student Credit Cards in Hong Kong 2026

Earn up to 8% Cash Rebate at selected merchants and categories 

• Chill Merchants Spending Up to 8% Cash Rebate (with accumulated monthly retail spending of
  HK$1,000 at physical stores)
• Overseas & Online Spending Up to 4% Cash Rebate
• Other Eligible Spending 1 Gift Point upon HK$1 spending

Chill Easy 3-month instalment handling fee rebate for the first 3 months from the date of card issuance

• “Chill Easy” is applicable for transaction at HK$1,000 or above. For example, for a loan amount of HK$50,000, with personalized monthly handling fee of 0.18% of loan amount and apply via e-Channel, the fee in APR is 3.29% for 3-month loan tenor. An APR is a reference rate which includes the basic fees and charges of this product expressed as an annualised rate, such as monthly handling fee and upfront administration fee (if any).

New Customers can enjoy HK$300 Cash Rebate

Other things to note

• Welcome offer is applicable to applicants not yet holding or have not cancelled any BOC Credit Card in the past 12 months from the date of application
• Unless otherwise specified. Terms and conditions apply, please refer to https://www.bochk.com/dam/boccreditcard/chillcard/eng/index615.html and related promotion materials for details. Bank of China (Hong Kong) Limited and BOC Credit Card (International) Limited reserves the right to change, suspend or terminate the Offer or amend the terms and conditions at its sole discretion without prior notice.
• The cash rebate is meant exclusively for retail purchases and cannot be used for cash advances, settlement of financial charges or any previous outstanding balance accrued before the cash rebate is credited. The cash rebate cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.

New HSBC Rewards Partners
Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options: 

• New Travel Partners
  • Hilton (available for EveryMile Card and HSBC Privé only)
  • Hainan Airlines and China Southern Airlines (available for all credit cards, including EveryMile and HSBC Privé)
• Redemption Rate
  • Preferential redemption rate for all EveryMile cardholders: 1 RC = 20 miles / hotel points

Card Benefits

• Get up to 2.4% RewardCash rebate on tuition fees
• Get up to 6X RewardCash for spending in Rewards of Your Choice category. Rebate rate at 2.4% (ie HK$4.17 for 1 mile)
• Enjoy an instant discount of HK$30 when you spend HK$300 or more in a single transaction at any eslite bookstore with your card via mobile or Visa contactless payment 

Entertainment benefits

• Enjoy some music as you study with a KKBOX trial for just HK$9.9 during your first month, then HK$53 per month for subsequent months
• Get 10% off regular-priced tickets at CGV Cinemas

Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).

Perpetual annual fee waiver

The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card

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

Launch of WeWa Club Enjoy endless offers and jetso

• The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.

• At WeWa Club, you can:
  • Buy amazing things at a good deal 
  • Enjoy priority booking for concerts or other events
  • Enjoy many other offers and jetso!
  Click here  to register as a WeWaClub member

   

Enjoy limited-time offers and activities in OmyCard app

• Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.

Pay with WeWa UnionPay Credit Card and enjoy direct cash rebate.

• 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (0.4% basic rebate + 3.6% additional rebate) (HK$250 = HK$10 cash rebate)
• 0.4% on other spendings (HK$250 = HK$1 cash rebate)

3-month Interest-free Credit Card Transaction Instalment Plan

• Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.

Annual fee waiver for the first 2 years; 5 years for student cardholders

Other things to note

• Welcome offers, HK$300 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.

• Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200

Pay with EarnMORE UnionPay Credit Card and enjoy 2% direct cash rebate

• 2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending 

Easy and instant payment with in-app UnionPay QR code function in OmyCard app

• Enjoy "Hot Deals Patrols" limited-time offers through the app. You can buy popular products at a discounted price.

Other things to note

• Welcome offers Approval Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
• Each card can be entitled to a maximum amount of HK$800 extra 1% cash rebate during the Promotion Period.
  • Eligible Retail Purchase Transactions include to all posted retail purchase transactions and exclude Reload of e-Wallets.
  • The promotion period of 2% year-round rebate is valid from 1 January 2026 to 31 March 2026.

First year annual fee waiver 

• New Customers who successfully apply DBS Live Fresh Card can enjoy the first year annual fee waiver, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month. 

Up to 6% rebate on online spending. You can pick spending category for extra rebate every month based on your own spending habit.

• Up to 6% rebate on online spending = 1% rebate on online foreign currency spending + 5% extra rebate of your choice
• 1% unlimited rebate on online foreign currency spending. No registration is required.
• 5% Cash Rebate Reward of Your Choice. Register for the Program in DBS Card+ HK and select one spending category. Enjoy an extra rebate of eligible transaction of the chosen spending category.
  • 3 “Reward of your choice” categories include:
    1. Entertainment & Travel Expert (Include Entertainment Spending and Online Travel Merchant Spending)
    2. Fashionista (Include Online Beauty, Fashion & Apparel Spending and Selected Online Merchant Spending)
    3. Sustainability & Charity Champion (Including Selected Green Merchants, Social Service Organisations Spending and Online Charity Donations)
  • 5% Cash Rebate Reward of Your Choice Selection List: go.dbs.com/hk-lf5list-en
  • Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders must click the red InstaRedeem button on the "Spending" page of DBS Card+ to enjoy the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
• 0.4% cash rebate on other spending categories.

DBS Live Fresh Card Exclusive: 90 days Interest-Free Repayment Period for Overseas, Travelling and Online Transaction

• Flexi Travel – up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction
• iFlexi -  up to 90-day Interest-free Repayment Period for Online Transaction
• No interest will be charged when you pay off your balance within the interest-free repayment period.

10 Free Trials for Flexi Shopping. No handling fee when you apply for Flexi Shopping Programme.

• Cardholders who successfully apply for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ HK can enjoy a full handling fee rebate.
• Applicable to the first 10 eligible transactions during the promotion period
• Promotion period: 1 January 2026 – 31 December 2026.

New function of DBS Card +: Spending Limit & Spending On-off. You can easily manage your spending with the app.

• Spending Limit: You may set a Retail Spending Limit per month for each Credit Card account with DBS Card+ HK.
• Spending On-off: You may use the function to approve or decline certain categories of Spending like “Online Spending”, “Local Spending” and “Overseas Spending”.

Other things to note

• MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
• Online transactions in Hong Kong Dollars, reload of e-wallets and Octopus Automatic Add-Value Service are only entitled to 0.4% basic rebate.

• Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders are required to claim the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.

  • Cardholders must click the red InstaRedeem button on the “Spending” page of DBS Card+ HK to enjoy the Reward.
• Terms and Conditions apply.
• For details, please visit go.dbs.com/hk-livefresh 

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

• Welcome offer of up to HK$1,000 cashback
• Enjoy up to 5% CashBack* year-round at Designated Merchants, applicable to both online and offline spending (HK$1 CashBack for every HK$20 spent).
  • Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
  • Beauty & Health care: Watsons, Sasa
  • Food and beverage: McDonald’s Hong Kong, Foodpanda
  • Sport & Entertainment: Klook
  • Digital Lifestyle: China Mobile Hong Kong and s/ash
  • All spending at selected merchants is eligible for 5% cashback throughout the year
  • A minimum of HK$4,000 eligible spending per month is required; otherwise, no cashback will be earned for that month
  • Agoda hotel offer: Standard Chartered cardholders can enjoy up to 7% off global hotel bookings
  • 1.95% foreign transaction fee waiver: No extra fee for overseas or online foreign currency spending
  • No cash advance service fee
• Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
• Perpetual annual fee waiver

• 	Extra CashBack		Basic CashBack		Total CashBack#
  Monthly Eligible Spending*	CashBack for Eligible Transactions made at Designated Merchants	Spending Cap per Monthly Statement Cycle	CashBack for Eligible Transactions	Spending Cap per Monthly Statement Cycle
  HKD 4,000 to HKD 14,999	4.44%	HKD5,000^	0.56%	No Cap	5%
  HKD 15,000	3.80%		1.2%		5%

• Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
  • 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 applications for a principal card of the Standard Chartered Credit Cards.
• You are required to redeem CashBack through the 360° Rewards Redemption Platform.
  • The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
  • Cardholders are required to redeem CashBack through the platform.
  • The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.

• Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
  
  To borrow or not to borrow? Borrow only if you can repay!

• Welcome Offer Details:
  • Promotion Period for CashBack Promotion: 1 May 2026 to 30 September 2026
  • Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above)
  • Local Transportation Spending: 8% CashBack, capped at HK$200 per month* (applicable to Citybus, Cityflyer, KMB, LWB, MTR, Tram and Star Ferry)
  • Designated Merchant Spending: 3% CashBack, capped at HK$200 per month* (designated local merchants include: Adidas, matsukiyo HK, PUMA, Fila, Tokyo Lifestyle)
  • Eligible Bill Payment Transactions: 2% CashBack, capped at HK$200 per month* (only applicable via sim Credit Card App “Pay Bills/Taxes” service)
  • Other Eligible Retail Spending: 0.4% basic CashBack
  • *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month
  • *Under this CashBack Promotion, each Eligible Card can earn a maximum total of HK$1,000 CashBack during the entire Promotion Period
  • *Supplementary card spending will be combined with the principal card account for reward calculation
  • *CashBack will be credited to the Eligible Card account in the following calendar month after settlement
  • The above promotion is subject to relevant terms and conditions.

Terms and Conditions apply: https://www.thesim.com/en/legal

“Eligible Retail Transactions” shall not include cash advance transactions, payments of any Fees and Charges of a Card (e.g. annual fees, interest or finance charges, late charges, over-the-limit handling charges, cash advance handling fees and other charges), payment to the Inland Revenue Department and/or any other relevant authorities, tolls, road and bridge fees, online bill payment or utilities bill or all payments to and/or transactions with any insurance company (including but not limited to insurance premium payment), all donation and/or payment to any charitable or social service organizations, purchase of any cash coupon or cash voucher, payments for any unit trusts or mutual funds, casino transactions (including but not limited to gambling transactions), any money or electronic money transfer (including but not limited to transfers via person to person (P2P) payment services or mobile device, application, electronic funds transfer platform), reload/ transfer/ payment transactions made via or in relation to electronic wallets (including but not limited to Alipay, WeChat Pay, PayMe), reload of stored value accounts, Octopus top-up transactions by any means (including but not limited to Automatic Add Value Service (AAVS), online or through mobile), cash withdrawal, loan on Card, instalment amount, unposted transactions, cancelled transactions, returned transactions, counterfeit transactions or any other unauthorized transactions. The Card Issuer’s records with respect to the Eligible Cardholder on the amount of Eligible Retail Transactions accumulated from time to time are conclusive and binding on the Eligible Cardholder. All Eligible Retail Transactions shall be determined based on the merchant codes assigned by the related card associations worldwide and the Card Issuer, which may be varied from time to time without prior notice. If there is any dispute regarding any Eligible Retail Transactions, the decision of the Card Issuer shall be final and conclusive.

• Credit Card Key Features
  • Welcome Rewards: New customers can receive 140,000 yuu Points (valued at HK$700); existing customers can receive **60,000 yuu Points** (valued at HK$300).
  • High Rebates: Earn up to 2% rebate (4x points) when spending at over 2,000 designated merchants across Hong Kong.
  • Instant Point Redemption: Use yuu points like cash via the yuu App to redeem e-vouchers or offset purchases (200 points = HK$1).
  • enJoy Credit Card customers can now convert yuu Points to Hang Seng Credit Card +FUN Dollars, in addition to redeeming rewards directly with yuu Points. That means even more flexibility and more ways to enjoy your rewards! Simply unlock the new points conversion feature and enjoy even more ways to save with +FUN Dollars — with more than 150,000 ways to spend as cash.
  • Year-round Exclusive Discounts: Enjoy up to 8% off (92% of original price) on designated days at popular merchants including Wellcome, Mannings, 7-Eleven, and IKEA.
  • Perpetual Annual Fee Waiver.

• Rebates & Offer Details
  • Merchant Point Rewards

• • Daily Upgraded Dining Offers (Highlights)
    • Mon–Sun (Maxim’s Chinese): Redeem a 2-person dinner set at 50% off yuu points.
    • Monday (KFC): 12% off for dine-in and takeaway.
    • Tuesday (Pizza Hut): HK$30 off on purchases of HK$250 or more for dine-in.
    • Thursday (Maxim’s Chinese): Up to 50% off on the main menu (40% discount + 20x points).
    • Fri–Sun (Maxim’s Chinese): 50% off designated dinner sets.
  • Merchant Discount Days
    • Mannings: 6% off on the 1st and 20th of every month.
    • Wellcome / Market Place: 8% off on purchases over HK$100 on the 3rd, 13th, and 23rd of every month.
    • 7-Eleven: 5% off on the 8th and 18th of every month.
    • IKEA: Free delivery on the 1st and 3rd Wednesday of every month with purchases over HK$3,500.

• Important Notes
  • Existing Hang Seng customers can log on to Hang Seng Mobile App for a quicker application and processing - the system will automatically fill in your personal information from their records and the promo code. Upon login, the promo code will be pre-filled in the application form.
  • Welcome Reward Eligibility: Cardholders must accumulate HK$5,000 in eligible spending and link the card to the yuu Rewards Program within a specified period after card issuance.
  • “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card/Affinity Card during the 12 months immediately preceding the date of application.
  • Account Cancellation Restriction: If the account is cancelled within 13 months of opening, a handling fee equivalent to the value of the welcome reward will be charged.
  • Point Crediting: yuu points will be credited within 3 months of meeting requirements. The account must be valid and linked to the yuu program at that time.
  • Disclaimer: MoneyHero strives for accuracy. If information differs from the financial institution or product provider, the provider’s website shall prevail. Please refer to official websites for the most updated terms.
  • To borrow or not to borrow? Borrow only if you can repay!
  • Rewards and offers are subject to Terms and Conditions.