Hang Seng enJoy Card
Offers
MoneyHero Reward up to HK$5,680
Bank Gift - On Top of MoneyHero's
【MoneyHero Exclusive Offer】
New Hang Seng credit card customers who apply for the Hang Seng enJoy Card through MoneyHero, meet the accumulated transaction amount within 60 days and spend HK$100 within 30 days after card approval can enjoy an extra MoneyHero reward of up to HK$4,980!
【Bank Welcome Offer】
New Hang Seng credit card customers who successfully apply can earn a welcome bonus of 140,000 yuu points (equivalent to HK$700) for a total reward value of up to HK$5,680!
- New Credit Card Customer : HK$900 Apple Store Gift Card
- New Credit Card Customer : HK$900 Wellcome Shopping Voucher
- New Credit Card Customer : Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980)
- New Credit Card Customer : HITACHI PV-X70P Stick Handy Type Vacuum Cleaner (valued at HK$1,680)
- New Credit Card Customer : Marshall Emberton II Bluetooth Speaker (value at HK$1,499)
New Credit Card cardholders* who successfully apply for Hang Seng enJoy Visa Platinum Card via MoneyHero and spent HK$100 within 30 calendar days after approval are entitled to HK$900 Apple Store Gift Card OR HK$900 Wellcome Shopping Voucher OR Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (value at HK$4,980) OR HITACHI PV-X70P Stick Handy Type Vacuum Cleaner (valued at HK$1,680) OR Marshall Emberton II Bluetooth Speaker (value at HK$1,499).
Important dates :
- From now till 30 November 2026 6 p.m., New Card cardholders* who successfully apply Hang Seng enJoy Card via MoneyHero and submit the redemption form sent via email
- Within 30 days after card issuance: The card must be approved by Hang Seng.
- New Credit Card customers* - Spent HK$100 within 30 calendar days after approval.
- The accumulated transaction amount is based on the net retail spending amount of eligible transactions, which means the final amount charged to the Designated Credit Cards concerned. Eligible retail spending amount does not include the deducted amount from the use of discount offers and/or +FUN Dollars/Merchant Dollars, any unposted purchase by Interest-free Instalment Plan at any merchant, cash advance, handling fee for cash advance, annual fee/service fee, finance charges, late charges, tax bill payment, Credit Card online bill payments (including but not limited to water bills, electricity bills, insurance premiums, payments to other banks and credit cards, etc.), Cash Instalment Plan, Spending Instalment Plan, Tax Instalment Plan, Balance Transfer Plan, Octopus Add Value Service transactions (including via Automatic Add Value Service, e-wallet or other method to top up Smart Octopus), purchase and/or reload of stored value cards or e-wallets, purchase of products/ services at financial/non-financial institutions (including but not limited to, foreign currency, money orders, travellers’ cheques, deposits and money transfers), balance transfers, purchases of casino chips, and transactions which are unposted/ unauthorized/cancelled/refunded/found to be fraudulent. Hang Seng will determine the eligibility of all welcome offers based on transaction records held by Hang Seng. In case of discrepancy, Hang Seng’s records shall be final and conclusive.
- 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 Hang Seng.
- After confirmation of eligibility, redemption instructions will be sent to Eligible Customers via email to the email address provided by the Eligible Customer to MoneyHero within 90 days. Eligible Customers who provide inaccurate or incorrect information (as determined by MoneyHero acting in its absolute discretion) will not be able to receive any Promotion Reward.
- Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
- Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- If you have concerns regarding the redemption process, please refer to the Terms and Conditions
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
- If a designated primary credit card and its supplementary card(s) share the same credit limit, their accumulated spending will be combined for calculation purposes.
- To be eligible to receive the additional rewards offered under this promotion, eligible customers must ensure that the relevant designated credit card account is still valid and in good credit standing at the time the rewards are granted.
*“New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card/Affinity Card during the 12 months immediately preceding the date of application.
【MoneyHero Exclusive Offer】
Existing Hang Seng credit card customers who apply for the Hang Seng enJoy Card through MoneyHero and spend HK$100 within 30 days after card approval can enjoy an extra MoneyHero reward of up to HK$598!
【Bank Welcome Offer】
Existing Hang Seng credit card customers who successfully apply can earn a welcome bonus of 60,000 yuu points (equivalent to HK$300), for a total reward value of up to HK$898!
- Existing Credit Card customer:HK$400 Apple Store Gift Card
- Existing Credit Card Customer : HK$400 Wellcome Shopping Voucher
- Existing Credit Card Customer : OTO S-GUN Wireless Massage Gun (SG-300) (valued at HK$998)
Existing Credit Card cardholders who successfully apply for Hang Seng enJoy Visa Platinum Card via MoneyHero and spent HK$100 within 30 calendar days after approval are entitled to HK$400 Apple Store Gift Card OR HK$400 Wellcome Shopping Voucher OR OTO S-GUN Wireless Massage Gun (SG-300) (valued at HK$998).
Important dates :
- From now till 30 November 2026 6 p.m., Existing Credit Card cardholders* who successfully apply Hang Seng enJoy Card via MoneyHero and submit the redemption form sent via email
- Within 30 days after card issuance: The card must be approved by Hang Seng.
- Existing Credit Card customer* - Spent HK$100 within 30 calendar days after approval.
- The accumulated transaction amount is based on the net retail spending amount of eligible transactions, which means the final amount charged to the Designated Credit Cards concerned. Eligible retail spending amount does not include the deducted amount from the use of discount offers and/or +FUN Dollars/Merchant Dollars, any unposted purchase by Interest-free Instalment Plan at any merchant, cash advance, handling fee for cash advance, annual fee/service fee, finance charges, late charges, tax bill payment, Credit Card online bill payments (including but not limited to water bills, electricity bills, insurance premiums, payments to other banks and credit cards, etc.), Cash Instalment Plan, Spending Instalment Plan, Tax Instalment Plan, Balance Transfer Plan, Octopus Add Value Service transactions (including via Automatic Add Value Service, e-wallet or other method to top up Smart Octopus), purchase and/or reload of stored value cards or e-wallets, purchase of products/ services at financial/non-financial institutions (including but not limited to, foreign currency, money orders, travellers’ cheques, deposits and money transfers), balance transfers, purchases of casino chips, and transactions which are unposted/ unauthorized/cancelled/refunded/found to be fraudulent. Hang Seng will determine the eligibility of all welcome offers based on transaction records held by Hang Seng. In case of discrepancy, Hang Seng’s records shall be final and conclusive.
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 Hang Seng.
- Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
- After confirmation of eligibility, redemption instructions will be sent to Eligible Customers via email to the email address provided by the Eligible Customer to MoneyHero within 90 days. Eligible Customers who provide inaccurate or incorrect information (as determined by MoneyHero acting in its absolute discretion) will not be able to receive any Promotion Reward.
Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- If you have concerns regarding the redemption process, please refer to the Terms and Conditions
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
- If a designated primary credit card and its supplementary card(s) share the same credit limit, their accumulated spending will be combined for calculation purposes.
- To be eligible to receive the additional rewards offered under this promotion, eligible customers must ensure that the relevant designated credit card account is still valid and in good credit standing at the time the rewards are granted.
*"Existing Credit Card Customers” refer to applicants who are currently holding and/or have ever held the Principal Card of any Hang Seng Credit Card/Affinity Card (excluding Hang Seng enJoy Visa Platinum Card/Spending Card) during the 12 months immediately preceding the date of application.
- 140,000 yuu points (equivalent to HK$700)(for new credit card customers)
- 60,000 yuu points (equivalent to HK$300)(for existing credit card customers)
From now till December 31st, 2026, New credit card customers who successfully apply will earn a welcome bonus of 140,000 yuu points (equivalent to HK$700); Existing credit card customers will earn 60,000 yuu points (equivalent to HK$300) and permanently waive the annual fee. Apply now and enjoy! (*Requires linking your enJoy card to the yuu Rewards Program and accumulating at least HK$5,000 in eligible retail spending)
Highlights
Things to Consider
- Credit Card Key Features
- Welcome Rewards: New customers can receive 140,000 yuu Points (valued at HK$700); existing customers can receive **60,000 yuu Points** (valued at HK$300).
- High Rebates: Earn up to 2% rebate (4x points) when spending at over 1,700 designated merchants across Hong Kong.
- Instant Point Redemption: Use yuu points like cash via the yuu App to redeem e-vouchers or offset purchases (200 points = HK$1).
- enJoy Credit Card customers can now convert yuu Points to Hang Seng Credit Card +FUN Dollars, in addition to redeeming rewards directly with yuu Points. That means even more flexibility and more ways to enjoy your rewards! Simply unlock the new points conversion feature and enjoy even more ways to save with +FUN Dollars — with more than 150,000 ways to spend as cash.
- Year-round Exclusive Discounts: Enjoy up to 8% off (92% of original price) upon designated spending amount on designated days at popular merchants including Wellcome, Mannings, 7-Eleven, and IKEA.
- Perpetual Annual Fee Waiver.
- Rebates & Offer Details
- Merchant Point Rewards
| Category | Rebate / Points | Included Merchants |
| Maxim’s Group & Designated Dining | 2% Rebate (HK$1 = 4 yuu points) | Pizza Hut, KFC, Maxim’s Chinese Cuisine, Arome Bakery, UOVO, Dondonya, etc. |
| Supermarkets & Lifestyle | 1.5% Rebate (HK$1 = 3 yuu points) | Wellcome, Market Place, 7-Eleven, Mannings, IKEA, GNC. |
| Other & Overseas Spending | 0.5% Rebate (HK$1 = 1 yuu points) | All other eligible transactions. |
-
- Daily Upgraded Dining Offers (Highlights)
- Mon–Sun (Maxim’s Chinese): Redeem a 2-person dinner set at 50% off yuu points.
- Monday (KFC): 12% off for dine-in and takeaway.
- Tuesday (Pizza Hut): HK$30 off on purchases of HK$250 or more for dine-in.
- Thursday (Maxim’s Chinese): Up to 50% off on the main menu (40% discount + 20x points).
- Fri–Sun (Maxim’s Chinese): 50% off designated dinner sets.
- Merchant Discount Days
- Mannings: 6% off on the 1st and 20th of every month.
- Wellcome / Market Place: 8% off on a single net spending of HK$100 or above on Click & Collect service or at physical stores over HK$100 on the 3rd, 13th, and 23rd of every month.
- 7-Eleven: 5% off on the 8th and 18th of every month.
- IKEA: Free delivery on the 1st and 3rd Wednesday of every month with home furniture and accessories purchase at stores over HK$3,500.
- Daily Upgraded Dining Offers (Highlights)
- Important Notes
- If you are a Hang Seng customer, you can apply faster through the Hang Seng Mobile App. Simply tap the MoneyHero exclusive application link and select “Proceed to enter details”. Log in to continue your application. The bank will pre-fill your personal details from its records and apply the MoneyHero promo code for you. When you see the promo code on your application form, this confirms that the offer has been applied successfully.
- Welcome Reward Eligibility: To qualify for the bank welcome reward, cardholders must link their card to the yuu Rewards Programme and accumulate at least HK$5,000 in eligible retail spending within the period specified in the applicable promotion terms.
- New Credit Card Customers: Principal Card applicants who do not currently hold, and have not held during the 12 months immediately preceding the application date, any Principal Card of a personal credit card or affinity card issued by Hang Seng Bank Limited (excluding Spending Cards and Private Label Cards).
- Existing Credit Card Customers: Principal Card applicants who currently hold and/or have held during the 12 months immediately preceding the application date any Principal Card of a personal credit card or affinity card issued by Hang Seng Bank Limited, subject to the applicable card exclusions.
- Welcome Reward Restrictions: Existing Credit Card Customers who currently hold and/or have held a Principal Card of the same credit card category during the 12 months immediately preceding the application date will not be eligible for any welcome reward. Each Principal Card customer may receive the welcome reward only once during the Promotion Period.
- Account Cancellation Restriction: If a customer cancels the relevant credit card account within 13 months of account opening after receiving a welcome reward, a handling fee equivalent to the value of the welcome reward received will be charged.
- Supplementary Card Spending: If a designated Principal Card and its supplementary card(s) share the same credit limit, their accumulated spending will be combined for calculation purposes.
- Additional Reward Eligibility: To receive MoneyHero's additional rewards, eligible customers must ensure that the relevant designated credit card account remains valid and in good standing when the rewards are granted.
- yuu Points Crediting: yuu points will be credited within 3 months after the applicable requirements have been fulfilled, subject to the approved promotion terms. The card account must remain valid and linked to the yuu Rewards Programme when the points are credited.
- MoneyHero Exclusive Rewards Disclaimer: Hang Seng Bank is not the supplier of MoneyHero's exclusive rewards. The availability of these rewards and their redemption process are unrelated to Hang Seng Bank.
- Information Accuracy Disclaimer: MoneyHero strives to ensure that the information provided is accurate. If any information differs from that provided by the financial institution, service provider or specific product website, the information provided by the relevant financial institution shall prevail. Before using any financial product or service, please refer to the latest product information and terms and conditions available on the relevant financial institution's official website.
- All rewards and offers are subject to the applicable terms and conditions.
- In case of any dispute, Hang Seng Bank reserves the right of final decision.
- Advertising information is provided by Hang Seng Bank Limited.
- To borrow or not to borrow? Borrow only if you can repay!
Benefits
Fees & Charges
Eligibility
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