TODO
PrimeCredit EarnMORE UnionPay Card for University Student
Last Updated: Sep 2021
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$550 Cash Rewards
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Card via MoneyHero can enjoy HK$250 Apple Gift Card + HK$300 cash rebate
    • PrimeCredit will credit the HK$300 cash rebate into the respective credit card account after the card is successfully approved
    • Promotion Period: from 1 to 30 September 2021
    How to redeem MoneyHero exclusive offer?
    1. Click "Apply Now" button on MoneyHero website to go to PrimeCredit website to continue the card application.
    2. Within 7 days of card approval, click the link on the banner of MoneyHero's PrimeCredit EarnMORE UnionPay Card for University Student listing to access to "Reward Registration Page".
    3. You will receive "Reward Redemption Form" once submitting your email address. Firstly, please create or login to your MoneyHero account based on the instructions within 7 days. Then, fill in and submit the form once you successfully log in to your MoneyHero account.
    4. MoneyHero will verify your reward eligibility with PrimeCredit. The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward. If you have concerns regarding the redemption process, please refer to this article.
  • OFFER 2
    MONSTER Achieve 100 AirLinks Headphones (worth HK$599) + HK$300 cash rebate
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Card via MoneyHero can enjoy MONSTER Achieve 100 AirLinks Headphones (worth HK$599) and HK$300 cash rebate.
    • PrimeCredit will credit the HK$300 cash rebate into the respective credit card account after the card is successfully approved.
    • Promotion Period: from 1 to 30 September 2021
    How to redeem MoneyHero exclusive offer?
    1. Click "Apply Now" button on MoneyHero website to go to PrimeCredit website to continue the card application.
    2. Within 7 days of card approval, click the link on the banner of MoneyHero's PrimeCredit EarnMORE UnionPay Card listing to access to "Reward Registration Page".
    3. You will receive "Reward Redemption Form" once submitting your email address. Firstly, please create or login to your MoneyHero account based on the instructions within 7 days. Then, fill in and submit the form once you successfully log in to your MoneyHero account.
    4. MoneyHero will verify your reward eligibility with PrimeCredit. The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward. If you have concerns regarding the redemption process, please refer to this article.

Welcome Offers from PrimeCredit

  • OFFER 1
    DYSON V7 Fluffy+ Wireless Vacuum Cleaner (HK$170 X 6-month instalment)
    • 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.
    • Cardholder will be subjected to 6-moth instalments with monthly instalment amount of HK$170 to redeem the gift after gift redemption.
  • OFFER 2
    TEFAL Healthy Air Fryer (FX202D)
    • 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
    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 4
    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 5
    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
Please turn off AdBlocker and private mode before application. Click the above link on the banner to receive the reward redemption form after card approval.
Annual Fee Waiver
Airport Lounge
Octopus Reload Rebate

Great for

  • Welcome Offer
    Requirements Welcome Offers
    (Choose 1 from 5)
    Spend HK$8,500 on Eligible Retail Purchase within 90 days from the card issuing date DYSON V7 Fluffy+ Wireless Vacuum Cleaner
    (HK$170 X 6-month instalment)
    TEFAL Healthy Air Fryer
    (FX202D)
    HK$500 Cash Rebate
    Spend HK$2,000 on Eligible Retail Purchase within 90 days from the card issuing date
    (Only apply to full-time university / tertiary students)
    HK$200 Cash Rebate
    No spending requirement Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program
  • MoneyHero Exclusive Offer - HK$550 Cash Rewards OR MONSTER Achieve 100 AirLinks Headphones (worth HK$599) + HK$300 Cash Rebate
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Card for University Student via MoneyHero can enjoy HK$550 Cash Rewards (HK$250 Apple Gift Card and HK$300 cash rebate) OR MONSTER Achieve 100 AirLinks Headphones (Black) + HK$300 Cash Rebate.
    • How to redeem MoneyHero exclusive offer?
      1. Click "Apply Now" button on MoneyHero website to go to PrimeCredit website to continue the card application.
      2. Within 7 days of card approval, click the link on the banner of MoneyHero's PrimeCredit EarnMORE UnionPay Card for University Student listing to access to "Reward Registration Page".
      3. You will receive "Reward Redemption Form" once submitting your email address. Firstly, please create or login to your MoneyHero account based on the instructions within 7 days. Fill in and submit the form once you successfully log in to your MoneyHero account.
      4. MoneyHero will verify your reward eligibility with PrimeCredit. The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward. If you have concerns regarding the redemption process, please refer to this article.
    • Tips:
  • 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)
    • 2% cash rebate on applying Octopus Automatic Add Value Service with EarnMORE UnionPay Card at every reloading (HK$250 spending = HK$5 cash rebate)
  • Easy and instant payment with in-app UnionPay QR code function in OmyCard app
    • Enjoy "Catch It Quick" 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 2022, 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.
  • Enjoy a handcrafted beverage (worth HK$25 or below) for HK$1 at designated Pacific Coffee outlets at Hong Kong International Airport
  • 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.
    • The promotion period of Welcome Offers is valid from 1 January to 31 December 2021.
  • 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 to 31 December 2021.

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
2%

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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