TODO
PrimeCredit EarnMORE UnionPay Card for University Student
Last Updated: Apr 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$200 HKTVmall Coupon+HK$600 cash rebate OR Pantone True wireless headset (valued at HK$598)+HK$600 cash rebate
  • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMore UnionPay Card for University Student via MoneyHero can enjoy Pantone True wireless headset (valued at HK$598)+HK$600 cash rebate OR HK$200 HKTVmall Coupon+HK$300 cash rebate.
  • PrimeCredit will credit the HK$600 cash rebate into the respective credit card account after the card is successfully approved.
  • Promotion Period: from now till 31 May 2022

How to be entitled to MoneyHero Exclusive Offer?

  • 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
    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 2
    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 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.
Annual Fee Waiver
Airport Lounge
Octopus Reload Rebate
MoneyHero Exclusive Offer

Great for

  • MoneyHero Exclusive Offer - Pantone True wireless headset (valued at HK$598)+HK$600 cash rebate OR HK$200 HKTVmall Coupon+HK$600 cash rebate

    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit EarnMORE UnionPay Diamond Card via MoneyHero can enjoy Pantone True wireless headset (valued at HK$598)+HK$600 cash rebate OR HK$200 HKTVmall Coupon+HK$600 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 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
  • LCX Shopping Offers - HK$450 LCX Shopping Coupon, 20% off discount for designated merchants & LCX VIP Pass/Rewards Card redemption
    • From now till 30 May 2022, using PrimeCredit Credit Card for eligible transaction in LCX can enjoy the below offers:
      • HK$450 LCX Shopping Coupon: Accumulate spending of HK$800 for single day can redeem HK$50 LCX Shopping Voucher, maximum for up to HK$450 LCX Shopping Coupon
      • 20% off discount for designated merchants: Shopping in designated merchants can enjoy up to 20% off discount
      • LCX VIP Pass/Rewards Card redemption: Show up the PrimeCredit Credit Card in LCX Concierge can redeem a LCX VIP Pass - for 10% off discount in designated merchants; accumulate spending at HK$1,600 for single day can redeem LCX Rewards Card (orginal at HK$3,000 spending) - enjoy designated merchants 10% off and other memership priviledges
  • 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 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.
  • 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 March 2022.
  • Time-limited welcome offer - all eligible transactions relevant for the cash rebate entitlement in for this offer must be made during promotion period and be posted on or before 7 May 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

Isn't the best product for you?

Compare more credit cards on MoneyHero