UnionPay Credit Cards
Updated: 19 Aug 2025
Why Trust MoneyHero
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | |||
|---|---|---|---|---|---|---|---|---|
 | HSBC Pulse UnionPay Dual Currency Diamond Credit Card | - | - | HK$120,000 | 2.4 - 4.4 % cashback | - | ||
 | Citi Rewards UnionPay Card | HK$4,680 | HK$120,000 | 0.37 - 1.85 % cashback | HK$1,800 | |||
 | CNCBI GBA Dual Currency Credit Card | HK$2,100 | HK$96,000 | 0.4 - 10 % cashback | HK$1,800 | |||
 | PrimeCredit WeWa Visa Signature Card | HK$600 | HK$240,000 | 0.4 - 6 % cashback | HK$1,500 | |||
 | PrimeCredit EarnMORE UnionPay Diamond Card | HK$600 | No Requirement | 1 - 2 % cashback | HK$1,500 | |||
 | HSBC UnionPay Dual Currency Card | - | - | HK$60,000 | $2.27 - 4.17 per mile | HK$300 |
Cashback Overseas
2.4 %Annual Fee Waiver
First 2 yearsAirmiles Overseas
$ 4.17 per mileYou’ll also receive the following welcome gift(s) directly from the bank:
- Overseas rebate
- Airport lounges access
- Dining discount
- Annual Fee waiver
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- Sam's Club (Shenzhen) – Up to an extra $200 RewardCash
- Receive up to an extra $100 RewardCash for designated spending amount with your HSBC Pulse UnionPay Dual Currency Credit Card on Friday, Saturday, Sunday or Hong Kong Public Holidays, no matter via HSBC Reward+ App, UnionPay App or just the physical card. You can get a maximum of an extra $200 RewardCash for the entire promotional period. Remember to register via HSBC Reward+ app!
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Spending Amount
RewardCash RMB500 TO RMB999 $50 RMB1,000 or above $100
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- Mainland China & Macau Spending – Up to 4.4% RewardCash
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Enjoy up to 2.4% RewardCash on Red Hot Rewards of Your Choice when you select Overseas and Mainland China Spending as your chosen spending categories.
- Up to extra 2% exclusive RewardCash rebate for spending made through QR Code Payment and/or Mobile Payment in Mainland China and Macau.
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- Other year-round offers:
- One card, dual currency, without worrying about exchange rate fluctuations
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Foreign currency transaction fee waiver on every RMB and MOP transaction
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Up to 40% off at designated merchants. Please download UnionPay app for more details.
- Buy 1 get 1 free at EPURE, La Rambla by Catalunya, ZUMA Hong Kong
- Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
- First 2 years annual fee waiver
- The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
- In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
- 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).
- To borrow or not to borrow? Borrow only if you can repay!
Airmiles Local
$ 5 per mileCashback Local
1.85 %Annual Fee
HK$ 1,800Apply through MoneyHero and choose from 10 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- High value welcome gifts
- Airport lounge
- Travel insurance
- Mobile contactless rebate
Fees
Annual Fee: HK$1,800
Air Miles Conversion Fee: $300
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$120,000
Key Features
- One Card, Dual Currency
- Spending in Hong Kong and overseas will be billed in HK$. Spending in Mainland China will be billed in CNY. No need to worry about the fluctuation of exchange rate
- Rewards Points
- Earn up to 3% rebate on shopping and entertainment spending
- For details, please refer to https://www1.citibank.com.hk/english/credit-cards/rewards-card
- First year annual fee waiver
- This MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
- Handling fee of HK$200 will be charged for redeeming Points for miles each time.
Cashback Overseas
10 %Foreign Currency Transaction Fee
WaivedCashback Digital Wallet
4 %Apply through MoneyHero and choose from 5 premium rewards:
- Overseas rebate
- Airport lounge
- Welcome offer: Rebate
- No foreign txn fee
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: HK$300
Interest Free Period: 57 Days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: Waived
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Key Features
| Spending Category | RMB or Mobile Wallet Spending | Single spending of CNY3,000 |
| Cash Rebate Ratio | 4% | Extra 6% |
| Max. Cash Rebate per day | HK$120 | HK$200 |
| Max. Cash Rebate per Month | HK$200 | HK$300 |
- 4% Cash Rebate on RMB and designated mobile wallet spending
- From 1 January 2025 till 30 June 2025, CNCBI GBA Dual Currency Credit Cardmembers can enjoy 4% Cash Rebate on RMB and mobile wallet (includes Wechat Pay (HK Wallet) and Union Pay App Payment (consumer presented QR code payment mode)), up to extra HK$120 Cash Rebate per day and HK$200 Cash Rebate per month.
- Extra 6% Cash Rebate on RMB spending
- From 1 January 2025 till 30 June 2025, CNCBI GBA Dual Currency Credit Cardmembers can enjoy extra 6% Cash Rebate on single RMB spending of CNY3,000 or above, up to extra HK$200 per day and HK$300 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer
- Airport Lounge Service and Fabulous Dining
- Free Global Airport Lounge Benefit with Eligible Spending
From 16 December 2024 to 31 December 2025, get a Free Global Airport Lounge Privilege upon pre-registration on U Rewards at UnionPay App and make eligible spending at offline retail merchants with UnionPay App. Quota applies and on a first-come-first-served basis while quota lasts. The offer is subject to relevant terms and conditions.
- Buy One Get One Free for Starred Hotel Buffet and Afternoon Tea
From 26 September 2024 to 31 August 2025, enjoy buy one get one free at over 80 restaurants of luxury hotels in more than 30 cities across Mainland China. Cardmembers are required to make a reservation of the restaurant and timeslot at UnionPay App at least 24 hours in advance. The offer is subject to relevant terms and conditions.
- Free Global Airport Lounge Benefit with Eligible Spending
- No foreign currency transaction handling fee
- First year annual fee waiver
Other things to note
- Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
- Terms and conditions apply. For details, please visit www.cncbinternational.com/personal/promotions/credit-card/en/index.html.
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
Cashback Overseas
4 %Cashback Local
4 %Annual Fee
HK$ 1,500Apply through MoneyHero and choose from 1 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Travel agency offer
- Cinema ticketing
- Installment
Repayment Details
Interest Free Period: 53 days
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$320
Fees
Foreign Currency Transaction Fee: Waived
Annual Fee: HK$1,500
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$240,000
Key Features
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!
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$200
Cashback Overseas
2 %Cashback Local
2 %Cashback Local Online Shopping
2 %Annual Fee
HK$ 1,500Apply through MoneyHero and choose from 1 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Foreign txn rebate
- Travel agency offer
- Installment
Repayment Details
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$320
Interest Free Period: 53 days
Fees
Annual Fee: HK$1,500
Foreign Currency Transaction Fee: Waived
Eligibility
Minimum Age: 18 years old
Min. Annual Income: No Requirement
Key Features
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.
Annual fee waiver for the first 2 years
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.
Foreign Currency Transaction Fee
1 %Airmiles Overseas
$ 2.27 per mile Cashback Overseas Online Shopping
2.4 %Annual Fee
HK$ 300You’ll also receive the following welcome gift(s) directly from the bank:
- Overseas rebate
- Dining discount
- Airport lounge
- Mobile contactless rebate
Repayment Details
Minimum Payment: -
Late Payment Charge: -
Interest Free Period: 56 Days
Fees
Annual Fee: HK$300
Foreign Currency Transaction Fee: 1 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$60,000
Key Features
- Enjoy flexible payment in Hong Kong dollars and Renminbi without worrying about exchange rate fluctuations
- Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
- Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).
- First 2 years annual fee waiver
- The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
- In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
- To borrow or not to borrow? Borrow only if you can repay!