TODO
PrimeCredit EarnMORE UnionPay Card for University Student
Last Updated: Dec 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 now till 31 December 2021
  • 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 now till 31 December 2021

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
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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:
  • 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
  • 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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