#All Card

Hang Seng MMPOWER World Mastercard

Updated: 6 Aug 2026
Hang Seng MMPOWER World Mastercard
Apply Now
Cashback
Online shopping and designated merchants, online entertainment, online fashion spending
Up to 8 % +FUN Dollars
Other Online Shopping
Up to5 % +FUN Dollars
Foreign Currency Spending
Up to 4 % +FUN Dollars
Annual Fee Waiver
Perpetual
Supported Payment Network:

Offers

MoneyHero Reward up to HK$2,160

Apply through MoneyHero and choose from 12 premium rewards
Limited time only
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Worth HK$1,000

Limited time only
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Worth HK$1,000

Limited time only
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Worth HK$1,000

Limited time only
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Worth HK$2,160

Limited time only
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Worth HK$1,499

Limited time only
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Worth HK$1,099

Limited time only
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Existing Credit Card Customer : HK$500 Apple Store Gift Card

Limited time only
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Existing Credit Card customer:HK$500 Wellcome Shopping Voucher

Limited time only
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Existing Credit Card Customer: HK$500 Cash Rebate (Deposited via FPS)

Limited time only
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Existing Credit Card Customer: Foreo LUNA Mini 3 Facial Beauty Device (valued at HK$1,690)

Limited time only
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New Customer:$700 +FUN Dollars

Limited time only
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Existing Customer:$300 +FUN Dollars

MoneyHero Exclusive Welcome Gift (for New Customers) + Bank Welcome Offer

【MoneyHero Exclusive Upgrade Offer: Total Rewards Worth up to $1,700】New Hang Seng credit card* customers who successfully apply for the Hang Seng MMPOWER World Mastercard through MoneyHero, meet the accumulated transaction amount within 60 days and spend HK$100 within 30 days after card approval, will receive the following in addition to the Hang Seng welcome offer of $700 +FUN Dollars:  

  • New Credit Card Customer : HK$1,000 Apple Store Gift Card
  • New Credit Card Customer:HK$1,000 Wellcome Shopping Voucher
  • New Credit Card Customer : HK$1,000 Cash Rebate (Deposited via FPS)
  • New Credit Card Customer : DELONGHI EC685 Pump Espresso Coffee Machine (valued at HK$2,160)
  • New Credit Card Customer : Marshall Emberton Bluetooth Speaker II (valued at HK$1,499)
  • New Credit Card Customer : Apple AirPods 4 (valued at HK$1,099)

MoneyHero Exclusive Gift (Existing Customer)

Existing Hang Seng MMPOWER World Mastercard Credit Card customer who successfully apply via MoneyHero, spent HK$100 within 30 calendar days after approval are entitled to:   

  • Existing Credit Card Customer : HK$500 Apple Store Gift Card
  • Existing Credit Card customer:HK$500 Wellcome Shopping Voucher
  • Existing Credit Card Customer: HK$500 Cash Rebate (Deposited via FPS)
  • Existing Credit Card Customer: Foreo LUNA Mini 3 Facial Beauty Device (valued at HK$1,690)

Welcome Offer - Up to $700 +FUN Dollars
  • New Customer:$700 +FUN Dollars
  • Existing Customer:$300 +FUN Dollars

Highlights

Things to Consider

Online fashion spending rebate
Online entertainment spending rebate
Designated merchants spending rebate

  • Credit Card Key Features
    • Welcome Rewards: New customers can receive up to $700 +FUN Dollars; existing customers can receive up to $300 +FUN Dollars.
    • Online Shopping & Designated Merchants, Online Entertainment, Online Fashion Spending : Up to 8% +FUN Dollars
    • Other Online Shopping:Up to 5% +FUN Dollars
    • Foreign Currency Spending:Up to 4% +FUN Dollars
    • Daily Spending Rewards: Earn a base rebate of 0.4% +FUN Dollars on all eligible spending.

 

  • Rebates & Offer Details
    • Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme
      • Monthly eligible spending is now HK$3,000.
        Better yet, full-time university/tertiary students enjoy no spending threshold—earn +FUN Dollars from your very first eligible transaction!
        • Online Fashion Spending: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
          • Including Adidas、FARFETCH、NIKE and ZALORA etc.
        • Online Entertainment: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
          • Streaming Platforms: Apple TV/Music, Disney+, HBO Max, Netflix, Spotify, Viu and YouTube
          • Local Cinemas: Broadway Circuit, Emperor Cinemas, Bestarfilm Cinemas (formerly Golden Harvest Cinemas) and MCL Cinema (only ticket purchases are eligible, food and beverage purchases are excluded from this category)
          • Ticketing Platforms: Cityline, KKTIX and URBTIX
          • Local Theme Parks: Hong Kong Disneyland and Ocean Park Hong Kong
        • Designated Merchants: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
        • Other Online Shopping:Up to 5% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 4.6% +FUN Dollars)
        • Foreign Currency Spending:Up to 4% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 3.6% +FUN Dollars)
      • Note: The total monthly cap for extra rebates is $500 +FUN Dollars (including the 0.4% base rebate).
  • Base Reward Rate: Earn $1 +FUN Dollar for every HK$250 spent.

 

  • Important Notes
    • Registration Requirement: Customers must register for the Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme on the official Hang Seng website and meet the minimum monthly spending requirement to qualify for extra rebates.
    • “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any personal credit card/affinity card/ co-branded card (excluding spending card and private label card) issued by Hang Seng Bank Limited during the 12 months immediately preceding the date of application.
    • “Existing Credit Card Customers” refer to applicants who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
    • 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 Restrictions: You are ineligible for the welcome gift if you held an Hang Seng MMPOWER card in the past 12 months. If the account is cancelled within 13 months of opening, the welcome reward must be returned.
    • 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.
    • Crediting Period: +FUN Dollars will be credited to the eligible account within 3 months. The account must remain valid at the time of crediting.
    • Validity: +FUN Dollars earned are valid for 24 months from the card's anniversary month.
    • 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
    • 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.
    • 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

Online shopping and designated merchants, online entertainment, online fashion spending
Up to 8 % +FUN Dollars
Foreign Currency Spending
Up to 4 % +FUN Dollars
Other Online Shopping
Up to 5 % +FUN Dollars
Cashback Overseas
5 %

Fees & Charges

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

Late Payment Charge
HK$ 330

Eligibility

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

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Card Benefit
Up to2 % cashback
Cashback Local
2 %
Cashback Overseas
0.5 %
Annual Fee Waiver
Perpetual Annual Fee Waiver