Best Entry Level / Student Credit Cards in Hong Kong 2025

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

• Chill Merchants Spending 8% Cash Rebate 
• Overseas & Online Spending 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

Snap up the「Chill Date」Movie, Concert and Entertainment Events tickets every month!

• BOC Chill Card cardholders can grab 2 tickets to designated movie screenings / music concerts / entertainment events on designated Wednesday every month

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.

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

• 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).

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!

With Mox Credit Credit, earn best-in-town unlimited CashBack everywhere

• Earn 3% unlimited CashBack at supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
• Earn 2% unlimited CashBack (with an Eligible Balance of HKD250,000 or above)! Or earn 1% unlimited CashBack if otherwise
• Want to earn Asia Miles instead? You can switch your spending reward mode to “Miles”, and start earning “best-in-town” HKD4 / mile + 0% FX fees (for both overseas spending / online shopping)

Transfer flexibly with Mox Credit with no fees 

• Starting 1 May 2023, Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Whether you need to transfer money to friends or family, set up designated payees to pay rent, tuition fees, or miscellaneous expenses, or purchasing goods and services, Mox Credit makes it easy for you.
• Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. If you exceed your personalised transfer limit, a handling fee of up to 2% will be applied. To keep track of your threshold and fees, you can easily check your Mox app

Mox Credit - Numberless All-in-One Bank Card

• Up to 56 days of interest-free
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• No late payment fee
• One card for all purchases and cash withdrawal.
• No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
• Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
• Use JETCO ATMs in Hong Kong for free.

Mox Exclusive Offer

• Discover discount offers, free gifts, unique experiences and more
• Please visit the Mox Official Website for the list of exclusive offers

Other things to note

• Mox Asia Miles Time Deposit Promotion Terms and Conditions and Mox Upfront Interest Time Deposit Promotion apply.
• These Time Deposit interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon time deposit set up. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate offers at any time without prior notice. Before making the relevant transaction, please check on Mox app for the interest rate offers applicable to the transaction. Please note that if you request for an early withdrawal, the upfront interest will be deducted from the time deposit principal amount.
• Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.

• From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. If you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction.

• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!
• Mox disclaimer applies.

• Introducing the all-new Mox Credit "FLYWITHMOXMH" miles-earning code!
• Seamlessly earn an unbeatable HKD4 = 1 Asia Mile on all your spending with Mox Credit's Miles Rewards Scheme, so you can earn faster and fly sooner. Plus, enjoy 0% FX Fees, making every purchase count, whether at home or abroad!
• Break free from traditional credit card rewards scheme. With Mox Credit you can switch between CashBack and Miles Rewards scheme with ease, putting you in control of how you earn.
• Enjoy HKD4 = 1 Mile on all spending
• Unlimited Miles, Unlimited Trips.
• There's no limits on the number of miles you can earn – spend more, earn more!
• 0% FX Fees: Same great rates at home and abroad!
• Enjoy 0% FX Fees on all transactions worldwide.
• Save effortlessly on overseas trips and online purchases.
• Want to earn CaskBack instead? You can switch your spending reward mode to “CashBack” via Mox app, and start earning “best-in-town” 2% unlimited CashBack on any spending!

New customers can only use one invitation code to open an account and enjoy the welcome offer

Mox Credit transfer limit is customized every month to facilitate daily transfers

• Mox Credit's personalized transfer amount is customized every month. Transfer money through Mox Credit using "FPS", which is convenient, fast and convenient.

• For daily bank transfers to relatives and friends, rent payments, tuition and miscellaneous fees, shopping and other services, you only need to use the "FPS" transfer function or bank transfer function through Mox Credit in the Mox app, and you can enjoy it with just one click. Interest-free repayment period of 56 days. You can also set up a "repeat payment" instruction to never miss any payment days again.

• If the total monthly transfer amount exceeds your personalized transfer limit, you only need to pay a handling fee of up to 2% for the transfer amount exceeding this limit. If you want to check your personalized transfer amount and handling fee, just log in to the Mox app and you can see it at a glance

Mox Credit - Full-featured No-Number Bank Card

• Use "FPS" via Mox Credit to transfer the amount first and then find the amount.

• One Mox Credit has both consumption and withdrawal functions

• No card number design, the physical card will not be printed with the card number, expiration date or CVV verification code, reducing the risk of data theft

• You can lock, unlock, set daily limits and change ATM passwords for Mox Credit through the Mox app. Even if you lose your physical card, you can reduce the risk of it being stolen.

• Free use of "JETCO" ATM cash withdrawals

No annual fee

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.
• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.
• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank's Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.

• You must first open a Mox account to apply for Mox Credit

• Applicants for Mox account must be 18 years old or above, hold a valid Hong Kong resident identity card, and have a valid Hong Kong residential address and mailing address

• Subject to Mox disclaimer.

• Terms and conditions apply. To borrow or not to borrow! Only borrow 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.

• 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)

• 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.

• 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 (HK$250 spending = HK$5 cash rebate)

• 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$1,500 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 2025 to 31 December 2025.

• 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 = 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.

• 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.

• 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 2025 – 31 December 2025.

• 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”.

• 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.

• 5% CashBack at PARKnSHOP

  Year round offers: 5% CashBack at designated merchants like Klook and more

  • Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
    • From 2023 onwards, JHC will be added as a designated merchant
    • Other designated merchants include 759 Store, Circle K Convenience Store, HKTVmall, Klook, SaSa, Watsons, Decathlon, China Mobile Hong Kong (from 9 June 2023 onwards) and Deliveroo (from 1 April 2023 onwards) etc.
    • Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.
    • No minimum spending requirement.
    • The cap of 5% CashBack earned within the promotion period is HK$3,000. (You will reach the cap when you spend HK$60,000 at selected merchants.)
  • Other retail transactions (including online transactions and interest-free monthly instalment), Octopus Automatic Add-Value transactions and PayMe top-up transactions are entitled to 0.55% CashBack.
• Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
• Perpetual annual fee waiver
• No foreign transaction fee
  • No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.
• No cash advance fees

• 	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.
• Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants
• 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!

Cashback on all spending, local or online

• Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$1,000 in the month, Eligible Online Retail Transactions with a single net transaction of HK$500 or more during the month will earn 8% cash rebate for eligible online retail spending)
• Up to 8% cash rebate for local transportation（Eligible Local Transportation include: CityBus and Cityflyer, KMB, LWB, MTR, Tram and Star Ferry）
• 3% cash rebate for eligible spending at designated local merchants（Designated local merchant includes： Adidas, Fila, PUMA, @cosme STORE, Matsukiyo HK, Tokyo Lifestyle）
• Cashback will be capped at HK$200 per month

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.

• From July 01, 2025 to December 31, 2025, new customers who successfully apply for the enJoy Card can receive a welcome reward of 120,000 yuu Points (equivalent to a HKD600 reward); existing customers can enjoy a welcome reward of 80,000 yuu Points (equivalent to a HKD400 reward).

• The latest Points Rewards for Supermarket and restaurant: register, earn and redeem YUU Points
• Earn up to 2% rebate at 2000+ designated merchants

Spend with the card at any designated merchants to earn up to 4X Reward Points (2% rebate).

Reward Points can be spent as cash (200 Reward Points=HK$1), as well as redeeming e-coupons

and gifts in yuu App

• Enjoy designated merchants exclusive year-round discount offer

  • 7-Eleven: 5% off on the 8th and 18th of every month
  • IKEA: Free delivery upon home furniture and accessories order of HK$3,500 or above at stores on the 1st and 3rd Wednesday of every month (Excluding Outlying Islands and Macau)
  • Mannings: 6% off on the 1st and 20th of every month
  • Wellcome, Market Place by Jasons, 3hreesixty, Oliver's The Delicatessen: 8% off on the 3rd, 13th & 23rd of every month upon a single net spending of HK$100 or above

• Get discount offers at renowned hotel restaurants, shops and leisure outlets
• If the customer has held a Hang Seng enJoy Card as the primary cardholder / spending card within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. 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.
• 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 / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
• If the customer has held a Hang Seng enJoy Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. 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.
• The relevant Designated Merchants e-Coupons and yuu Reward Points will be credited to the Eligible Principal Card Customer’s yuu App which is linked with enJoy Card and enJoy Card account respectively within 2 months after the Eligible Principal Card Customer has fulfilled the requirements. The enJoy Card account should be valid and in good standing, and being linked to yuu Reward Programme when the Designated Merchants e-Coupons and yuu Reward Points are credited
• MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested.
• Advertising information is provided by Hang Seng Bank Limited
• Hang Seng reserves the right to amend these Terms and Conditions at any time
• To borrow or not to borrow? Borrow only if you can repay!