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PrimeCredit EarnMORE UnionPay Card for University Student

Last Updated: Dec 2023
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

Welcome Offers from PrimeCredit

  • OFFER 1
    Aurabeat AG+ Medical Grade Silver Ion Antiviral Air Purifier (LSP-X1)
    • Spend HK$9,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
    • Redemption fee: 3 months x HK$120 per month
    • 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
    OTO Vanda Lite Massage Chair (VN-03)
    • Spend HK$9,800 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 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
Annual Fee Waiver
Airport Lounge
MoneyHero Exclusive Offer

Great for

  • MoneyHero Exclusive Offer - HK$200 cash rebate + HK$300 HKTVmall Coupon/ Wellcome Shopping Voucher

    • From now till 1 January 2024, new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$300 HKTVmall Coupon/ Wellcome Shopping Voucher.
    • 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 5)
    Spend HK$9,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date Aurabeat AG+ Medical Grade Silver Ion Antiviral Air Purifier (LSP-X1) (3 months instalment x HK$120 per month)
    OTO Vanda Lite Massage Chair (VN-03)
    Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date 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
  • Mainland China and Macau Cash Rebate Offer

    Programme Period: 20 Sep 2023 – 31 Dec 2023

    • Extra 5% cash rebate on Mainland China local retail spending which settled in Renminbi and/or Macau local retail spending which settled in Macau Pataca
    • Registration at OMC App is required. (WeWa Club > WeWa Picks > Earn extra Cash Rebate on Mainland China & Macau Spending)
    • Eligible Retail Spending includes the payment via Physical card, Online, QR Code Payment in OmyCard App, Apple Pay and UnionPay App
    • Extra Cash Rebate is capped at HK$2,000 on each UPI card
    • The cash rebate will be credited to the relevant card account on or before 31 Mar 2024

    Terms and Conditions apply. Please refer to PrimeCredit official website for details.

  • WeWa x LCX Shopping Privileges Promotion

    Promotion Period: 1 March to 31 July 2023

    • Offer A – Up to HK$1,800 Gift Vouchers
      • Cardholders shall be entitled to redeem a set of HK$150 Gift Vouchers upon accumulating same-day spending of HK$800 or above at stores within LCX. The HK$150 Gift Vouchers include a piece of HK$50 LCX Gift voucher and a piece of HK$100 Designated Brand Gift Voucher.
        • Each Customer can redeem the Reward up to 2 times a day, maximum 3 times per month. The period of 1 March 2023 to 31 July 2023 will be calculated as a calendar month. Maximum 12 times throughout the promotion period.
        • Cardholder can redeem the Reward by maximum 3 transaction receipts and each receipt amount at HK$100 or above.
    • Offer B – Redeem a LCX VIP Pass
      • Cardholders shall be entitled to redeem a LCX VIP Pass with validity of 30 days upon issuance by presenting WeWa / EarnMore credit card to enjoy 10% discount at designated stores at LCX.
    • Offer C – Redeem a LCX Reward Card
      • Cardholders shall be entitled to register as a LCX Rewards Card Member at LCX Customer Service Counter upon accumulating same-day spending at HK$1,600 or above at stores within LCX (original spending requirement at HK$3,000), to enjoy 10% discount at designated stores at LCX or other member privileges.
    • Offer D – Selected Merchant Offers
      • Cardholders shall be entitled to enjoy shopping privileges at selected merchant’s stores.

    Terms and Conditions apply. Please refer to PrimeCredit official website for details.

  • Suning Hong Kong Offer

    Promotion Period: 1 March 2023 to 31 July 2023

    • Offer A – Up to HK$2,400 Cash Rebate

      Cardholders are entitled up to HK$2,400 cash rebate at any Suning Hong Kong stores or online store www.hksuning.com by spending with PrimeCredit EarnMORE Credit Card and WeWa Credit Card and upon registration at OmyCard Mobile Application:

      Conduct a single transaction of designated spending amount at any Suning Hong Kong stores or online store www.hksuning.com:

    Designated Spending Amount of Single Transaction Cash Rebate Maximum Cash Rebate Throughout the Promotion Period
    HK$500 – HK $2,999 HK$30
    (Only applicable to transaction conducted at Suning Hong Kong online store.)
    HK$2,400
    (Each Cardholder can be entitled up to a maximum amount of HK$960 cash rebate for each month and can be entitled to a maximum amount of HK$2,400 cash rebate for the whole Promotion Period.)
    HK$3,000 – HK$5,999 HK$130
    HK$6,000 – HK$8,999 HK$270
    HK9,000 or above HK$480
    • Offer B – Up to 60% off on selected items

    Terms and Conditions apply. Please refer to PrimeCredit official website for details.

  • 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)
  • CMK x WeWa Shopping Privilege

    Promotion Period: 1 October to 31 December 2023

    Offer 1 – Up To HK$1,800 Cash Rebate: Cardholders are entitled up to HK$1,800 cash rebate at any Cheung Mao Kee Electrical or Electric Care branches in Hong Kong or online store www.cmk.hk by spending with PrimeCredit EarnMORE Credit Card and WeWa Credit Card and upon registration at OmyCard Mobile Application: Conduct a single transaction of designated spending amount at any Cheung Mao Kee Electrical or Electric Care branches in Hong Kong or online store www.cmk.hk

    Designated Spending Amount of Single Transaction Cash Rebate
    HK$3,000 – HK$6,999 HK$100
    HK$7,000 – HK$9,999 HK$300
    HK$10,000 or above HK$600

    Each Cardholder can be entitled up to a maximum amount of HK$600 cash rebate for each month and can be entitled to a maximum amount of HK$1,800 cash rebate for the whole Promotion Period.

    Offer 2 – Up to 70% off on selected items

    Offer 3 – Complimentary gift from CMK upon single transaction of HK$500 or above

    Terms and Conditions apply.

  • 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 July 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, HK$200 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 2023 to 31 December 2023.

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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