#All Card

Hang Seng enJoy Card

Updated: 6 Aug 2026
Hang Seng enJoy Card
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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 8 premium rewards
Limited time only
gift logo

Worth HK$900

Limited time only
gift logo

Worth HK$900

Limited time only
gift logo

Worth HK$4,980

Limited time only
gift logo

Worth HK$1,680

Limited time only
gift logo

Worth HK$1,499

Limited time only
gift logo

Existing Credit Card customer:HK$400 Apple Store Gift Card

Limited time only
gift logo

Existing Credit Card Customer : HK$400 Wellcome Shopping Voucher

Limited time only
gift logo

Existing Credit Card Customer : OTO S-GUN Wireless Massage Gun (SG-300) (valued at HK$998)

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank
Limited time only
gift logo

Worth HK$700

Limited time only
gift logo

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 : OTO S-GUN Wireless Massage Gun (SG-300) (valued at HK$998)

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 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.

 

  • 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

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

View more Hang Seng credit cards

Card Benefit
Cashback Local
Cashback Overseas
Annual Fee Waiver

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