#All Card

Hang Seng enJoy Card

Updated: 6 Aug 2026
Hang Seng enJoy Card
Apply Now
Cashback
Card benefit
Up to2 % cashback
Cashback Local
2%
Cashback Overseas
0.5%
Annual Fee
Perpetual Annual Fee Waiver
Supported Payment Network:
VISA

Offers

MoneyHero Reward up to HK$5,680

Apply through MoneyHero and choose from 10 premium rewards
Only 3 days left!
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Worth HK$900

Only 3 days left!
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Worth HK$900

Only 3 days left!
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Worth HK$4,980

Only 3 days left!
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Worth HK$1,680

Only 3 days left!
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Worth HK$1,499

Only 3 days left!
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Existing Credit Card customer:HK$400 Apple Store Gift Card

Only 3 days left!
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Existing Credit Card Customer : HK$400 Wellcome Shopping Voucher

Only 3 days left!
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Existing Credit Card Customer : Kusa iRelax NM900 Neck Massage Travel Pillow (valued at HK$598)

Limited time only
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Worth HK$700

Limited time only
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Worth HK$300

【MoneyHero Exclusive Upgrade Offer: Total Rewards Worth up to HK$5,680】

【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)

【MoneyHero Exclusive Upgrade Offer (for Existing Customers): Total Rewards Worth up to HK$898】

【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 : Kusa iRelax NM900 Neck Massage Travel Pillow (valued at HK$598)

Welcome Offer - Worth up to 140,000 yuu Points
  • 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)

Highlights

Things to Consider

Local spending rebate
Dining rebate
Supermarket rebate

  • 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 pts) Pizza Hut, KFC, Maxim’s Chinese Cuisine, Arome Bakery, UOVO, Dondonya, etc.
Supermarkets & Lifestyle 1.5% Rebate (HK$1 = 3 pts) Wellcome, Market Place, 7-Eleven, Mannings, IKEA, GNC.
Other & Overseas Spending 0.5% Rebate (HK$1 = 1 pt) 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.

 

  • Important Notes
    • If you’re Hang Seng customer, you can apply faster in Hang Seng Mobile App. Just tap the MoneyHero exclusive application link > "Proceed to enter details", then log on to continue. From there, the bank will automatically fill in your personal details from their record and apply the MoneyHero promo code for you. You can confirm it’s been applied when you see the code on your application form after logging on.
    • Welcome Reward Eligibility: Cardholders must accumulate HK$5,000 in eligible spending and link the card to the yuu Rewards Program within a specified period after card issuance.
    • “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.
    • Account Cancellation Restriction: If the account is cancelled within 13 months of opening, a handling fee equivalent to the value of the welcome reward will be charged.
    • Point Crediting: yuu points will be credited within 3 months of meeting requirements. The account must be valid and linked to the yuu program at that time.
    • Disclaimer: MoneyHero strives for accuracy. If information differs from the financial institution or product provider, the provider’s website shall prevail. Please refer to official websites for the most updated terms.
    • To borrow or not to borrow? Borrow only if you can repay!
    • Rewards and offers are subject to Terms and Conditions.

Benefits

Cashback Supermarket
1.5 %
Cashback Dining
2 %
Cashback Local
2 %
Cashback Base Rate
0.5 %
Cashback Overseas
0.5 %
Cashback Local Online Shopping
0.5 %
Cashback Overseas Online Shopping
0.5 %
Cashback Octopus Top Up Spending
0.5 %

Fees & Charges

Annual Fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95 %

Late Payment Charge
$ 330

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$ 150,000

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Hang Seng Travel+ Visa Signature Card
Hang Seng BankHang Seng Travel+ Visa Signature Card
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Card Benefit
Up to8 % +FUN Dollars
Up to7 % +FUN Dollars
Cashback Local
Up to5 % +FUN Dollars
—
Cashback Overseas
Up to 8 % +FUN Dollars
Up to 7 %
Annual Fee Waiver
Perpetual
Perpetual Annual Fee Waiver