TODO
PrimeCredit EarnMORE UnionPay Card for University Student
Last Updated: Nov 2022
No Requirement
Min. Annual Income
2
%
Local Spending - Cashback Rate
For spending in all categories (cap: $2000 rebate): 2% cashback
2
%
Overseas Spending - Cashback Rate
on overseas spending
(direct cashback) For local and overseas spending: 2% cashback
Exclusive Offer
from MoneyHero
OFFER 1
HK$600 cash rebate + HK$200 HKTVmall Coupon
  • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMore UnionPay Card via MoneyHero can enjoy HK$600 cash rebate + HK$200 HKTVmall Coupon
  • PrimeCredit will credit the HK$600 cash rebate into the respective credit card account after the card is successfully approved.
  • HK$600 cash rebate Promotion Period: from now till 30 November 2022
  • HK$200 HKTVmall Coupon Promotion Period: from now till 30 November 2022

How to be entitled to MoneyHero Exclusive Offer?

  • From now till 30 November 2022, new cardholders of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMore UnionPay Card via MoneyHero are entitled to enjoy MoneyHero Exclusive Offer - HK$600 cash rebate
  • From now till 30 November 2022, new cardholders of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMore UnionPay Card via MoneyHero are entitled to enjoy MoneyHero Exclusive Offer - HK$200 HKTVmall Coupon
  • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
  • Send (1) the name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification, to support@moneyhero.com.hk within 7 days of card approval. MoneyHero will verify your reward eligibility.
  • MoneyHero Exclusive Offer is provided by MoneyHero, PrimeCredit has no relation with its redemption, usage and dispute.
  • Terms and Conditions apply.

Welcome Offers from PrimeCredit

  • OFFER 1
    Nintendo Switch Lite (yellow or turquoise)
    • Spend HK$14,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
    • The redemption letter will be issued to the Cardholder within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 2
    Philips Instant Heating Water Dispenser (ADD5910M)
    • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
    • The redemption letter will be issued to the Cardholder within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 3
    Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan (AM-046JR)
    • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
    • The rebate amount will be credited into the related PrimeCredit Credit Card account within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 4
    HK$500 Cash Rebate
    • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
    • The rebate amount will be credited into the related PrimeCredit Credit Card account within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 5
    HK$200 Cash Rebate (only for full-time tertiary students)
    • Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
    • The rebate amount will be credited into the related PrimeCredit Credit Card account within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 6
    Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program
    • No spending requirement
Enjoy 2% direct cash rebate; 3-month interest-free credit card transaction instalment plan
CMK Shopping Privileges up to HK$1,800 Cash Rebate; click "See More" for details!
Annual Fee Waiver
Airport Lounge
MoneyHero Exclusive Offer

Great for

  • MoneyHero Exclusive Offer - HK$600 cash rebate + HK$200 HKTVmall Coupon

    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit Credit Card via MoneyHero can enjoy HK$600 cash rebate + HK$200 HKTVmall Coupon.
    • How to redeem MoneyHero exclusive offer?
      • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
      • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
    • Tips:
  • Welcome Offer

    Requirements Welcome Offers
    (Choose 1 from 6)
    Spend HK$14,800 on Eligible Retail Purchase within 90 days from the card issuing date Nintendo Switch Lite (yellow or turquoise)
    Spend HK$8,500 on Eligible Retail Purchase within 90 days from the card issuing date Philips Instant Heating Water Dispenser (ADD5910M) 
    Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan (AM-046JR)
    HK$500 Cash Rebate

    Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from the card issuing date

    HK$200 Cash Rebate

    (Only applicable to Full-time University / Tertiary Student)
    No spending requirement Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program
  • Pricerite x TMF x WeWa Shopping Privileges Promotion

    From 1 November to 19 December 2022, cardholders are entitled up to HK$2,000 cash rebate at the brands, Pricerite and TMF of Pricerite Group Limited by spending with PrimeCredit EarnMORE Credit Card and WeWa Credit Card and upon registration at OmyCard Mobile Application:

    • Offer 1 - Pricerite Shopping Privileges
      Conduct a single transaction of designated spending amount at any Pricerite branches in Hong Kong and/or online store www.pricerite.com.hk and/or mobile app:
    Designated Spending Amount of Single Transaction Cash Rebate Maximum Cash Rebate Throughout the Promotion Period
    HK$400 – HK$1,999 HK$30 HK$2,000
    HK$2,000 – HK$4,999 HK$180
    HK$5,000 or above HK$500
    • Offer 2 - TMF Shopping Privileges
      Conduct a single transaction of designated spending amount at TMF branches in Hong Kong:
    Designated Spending Amount of Single Transaction Cash Rebate Maximum Cash Rebate Throughout the Promotion Period
    HK$10,000 – HK$19,999 HK$600 HK$2,000
    HK$20,000 – HK$29,999 HK$1,200
    HK$30,000 or above HK$2,000
    • Eligible Transaction refers to retail purchase of the highest amount single transaction conducted in Pricerite and/or the highest amount single transaction conducted in TMF with Eligible Credit Card in Hong Kong within a day during the Promotion Period (“Eligible Transaction”). Cardholders are entitled to both Offer 1 and Offer 2 on the same day. Meaning if Cardholders conducted multiple transactions with Eligible Credit Card at Participating Brands within a day, only Eligible Transaction will be used to calculate the cash rebate entitled by the Cardholder based on Offer 1 and/or Offer 2. And the rest of the transactions on the same day will not be entitled to Offer 1 and/or Offer 2.
    • Throughout the whole Promotion Period, each Cardholder can be entitled up to a maximum amount of HK$2,000 cash rebate from Offer 1 and Offer 2.
    • Terms and Conditions apply.
  • CMK Shopping Privileges - Up to HK$1,800 Cash Rebate; selected products up to 70% off

    • From now till 30 November 2022, all PrimeCredit Credit Cardholders can enjoy the following offers:
      • Offer 1 - PrimeCredit Credit Cardholders who register via OmyCard application and make eligible transaction in CMK Electrical Stores or online store at www.cmk.hk can enjoy up to HK$1,800 Cash Rebate:

        Single Eligible Transaction Amount
        (stores or online shop transaction)
        Cash Rebate Each Month Cash Rebate Limit Promotion Period Cash Rebate Limit

        HK$3,000 – HK$6,999

        HK$100

        HK$7,000 – HK$9,999

        HK$300

        HK$600 HK$1,800

        HK$10,000 or above

        HK$600

      • If customers using the PrimeCredit Credit Card for more than one transaction, only the highest amount of transaction will be calculated as eligible transaction to enjoy the cash rebate redemption
    • Offer 2 - Enjoy up to 70% off when you purchase for selected products
    • Offer 3 - Enjoy a special gift when you make an eligible transaction of HK$500 or above
  • Midtown Dining Offer
    • From now till 30 September 2022, using PrimeCredit Credit Card for eligible spending of HK$800 in Midtown can redeem a HK$100 Midtown Dining e-voucher
      • Designated restaurants including: Hungry Monkey, Ootoya, A Smoking Affair, FJAKA and 101 Grill Bar + Hotpot etc.
  • 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$100 spending = HK$2 cash rebate)
    • 1% cash rebate on applying Octopus Automatic Add Value Service with EarnMORE UnionPay Card at every reloading (HK$100 spending = HK$1 cash rebate)
  • 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.
  • 3-month Interest-free Credit Card Transaction Instalment Plan
    • From now till 31 March 2023, 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.
  • Exemption of foreign transaction fees
  • Annual fee waiver for the first 5 years

Need to know

  • Welcome offers 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$2,000 extra 1% cash rebate during the Promotion Period.
    • Eligible Retail Purchase Transactions include to all posted retail purchase transactions and Octopus Automatic Add Value Service and exclude Reload of e-Wallets.
    • The promotion period of 2% year-round rebate is valid from 1 January 2021 to 31 December 2022.

Year-round rewards

CASH REBATE
Local Spending
2%
For spending in all categories (cap: $2000 rebate): 2% cashback
Overseas Spending
2%
(direct cashback) For local and overseas spending: 2% cashback
Online Shopping Spending (Overseas)
2%
For spending in all categories: 2% cashback
Dining Spending
2%
For spending in all categories: 2% cashback
Octopus Top Up Spending
1%

Year-round benefits

OFFER 1
Access to LoungeKey Greater China Airport Lounge for 3 times with HK$12,000 spending

Spend over HK$12,000 within 2 continuous months every year

Eligibility

Minimum Age
18 years old
Min. Annual Income
No Requirement

Fees

Annual fee
HK$800
Foreign Currency Transaction Fee
Waived

Repayment

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
45.10%
Cash Advance APR
47.97%
Interest Free Repayment Period
53 days

Other information

Credit card type
UnionPay

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