TODO
PrimeCredit EarnMORE UnionPay Card for University Student
Last Updated: Jan 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$550 Cash Rewards
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Card for University Student via MoneyHero can enjoy HK$250 Apple Gift Card 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 now till 31 January 2022
  • OFFER 2
    MONSTER Achieve 100 AirLinks Headphones (valued at 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 MONSTER Achieve 100 AirLinks Headphones (valued at 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 now till 31 January 2022

    How to be entitled to MoneyHero Exclusive Offer?

    • From 1 to 31 January 2022, new cardholders of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Card for University Student via MoneyHero are entitled to enjoy MoneyHero Exclusive Offer - HK$550 Cash Rewards OR MONSTER Achieve 100 AirLinks Headphones (valued at HK$599) + HK$300 cash rebate.
    • 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
    Chung Yuen Electrical Cash Rebate Up to HK$2,820
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Card for University Student will be entitled to Chung Yuen Electrical Cash Rebate Up to HK$2,820
    • The cash rebate will be credited to the relevant eligible credit card accounts on or before 31 May 2022.
    • Promotion period is valid from 1 January 2022 to 28 February 2022.
  • 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
Please turn off AdBlocker and private mode before application.
Annual Fee Waiver
Airport Lounge
Octopus Reload Rebate
MoneyHero Exclusive Offer

Great for

  • 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?
      • 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:
  • Time-limited welcome offer - Chung Yuen Electrical Cash Rebate Up to HK$2,820

    • From 1 January 00:00 a.m. to 28 February 2022 23:59 p.m., New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Card for University Student via MoneyHero and register on OmyCard app, can enjoy Chung Yuen Electrical Cash Rebate Up to HK$2,820
    Single eligible transactions with the total net amount of (Chung Yuen Electrical stores or online store ) Cash Rebate Extra Cash Rebate (Applicable to UPI card only) Maximum amount of cash rebate throughout promotion period
    HK$3,000 - HK$4,999 HK$100 HK$20  
    HK$5,000 - HK$7,999 HK$200 HK$70 HK$2,820
    HK$8,000 or above HK$400 HK$120  
    • Each Cardholder can be entitled up to a maximum amount of HK$1,050 cash rebate and HK$360 additional cash rebate from 1 January to 31 January 2022, and up to a maximum amount of HK$1,050 cash rebate and HK$360 additional cash rebate from 1 February to 28 February 2022, and can be entitled to a maximum amount of HK$2,100 cash rebate and HK$720 additional cash rebate for the whole promotion period.
    • Cardholders must register at OmyCard Mobile Application within the promotion period
  • 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 Philips Instant Heating Water Dispenser (ADD5910M) 
    TEFAL Healthy Air Fryer
    (FX202D)
    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
  • 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 "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 exclude Reload of e-Wallets.
    • The promotion period of 2% year-round rebate is valid from 1 January to 31 January 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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