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Hang Seng MPOWER Card

Last Updated:Jan 2021
No Requirement
Min. Annual Income
Offers
Benefits
Eligibility
APR/Fees

Offers

Exclusive Offer

from MoneyHero

OPTION 1

$200 Cash Dollars

  • From now till 31 January 2021, for new Hang Seng Credit Card customers who successfully applying through MoneyHero and using the Card for at least one transaction
  • Hang Seng Bank will credit the $200 Cash Dollars into the respective credit card account after the card is successfully approved.

Welcome Offers from Hang Seng Bank

OPTION 1

Up to 8 MCL Cinemas Movie Tickets + Extra $100 Cash Dollars

  • New Credit Card Customer: 8 MCL Cinemas Movie Tickets
  • Existing Credit Card Customer: 5 MCL Cinemas Movie Tickets
  • Earn extra $100 Cash Dollars through online application
  • Promotion period:  from now till 30 June 2021
OPTION 2

Up to $600 Cash Dollars + Extra $100 Cash Dollars

  • New Credit Card Customer: $600 Cash Dollars Welcome offer
  • Existing Credit Card Customer: $200 Cash Dollars Welcome offer
  • Earn extra $100 Cash Dollars through online application
  • Promotion period: from now till 30 June 2021

Enjoy 5% Cash Dollars rebate on designated transactions

No income requirement for students

Enjoy 5% Cash Dollars rebate on designated transactions

No income requirement for students

Annual Fee Waiver
Annual Fee Waiver
Annual Fee Waiver
Annual Fee Waiver

Great for

Both new and existing customers can enjoy welcome offers. Choose movie tickets / Cash Dollars as welcome gift as you like.
Requirements   Offer  
Accumulate spending of HK$5,000 or above within first 60 days from the date of card issuance New Credit Card Customers
Up to 8 MCL Cinemas movie tickets
OR
$600 Cash Dollars		 OR Existing Credit Card Customers
Up to 5 MCL Cinemas movie tickets
OR
$200 Cash Dollars
Successful online application $100 Cash Dollars
MoneyHero Exclusive Offer - $200 Cash Dollars
  • New Hang Seng Credit Card customers who successfully apply for Hang Seng MPOWER Card via MoneyHero, and use the Card for at least one transaction, can enjoy $200 Cash Dollars.
Up to 5% Cash Dollars Rebate on Online Shopping and Mobile Payment Spending + Up to $1,000 Cash Dollars on Winter Spending Reward
  • Accumulate eligible transactions to HK$3,000 with a registered Hang Seng MPOWER Card, designated transactions can earn 5% Cash Dollars Rebate;
  • Plus from 1 December 2020 to 20 February 2021 (promotion period), starting from the successful registration date, earn extra up to $1,000 Cash Dollars rebate on eligible transactions with your registered Hang Seng Credit Card and tax payments via Hang Seng Personal e-banking; and
  • if you choose $700 Cash Dollars as welcome gift, you can enjoy up to $2,700 Cash Dollars in January and February 2021.
Requirements Maximum Cash Dollars Earned in Jan and Feb 2021
Welcome Gift: $600 Cash Dollars + Online Application Reward: $100 Cash Dollars $700
MPOWER Card Online Shopping, Mobile Payment and Overseas Spending - 5% Cash Dollars Rebate
  • Mobile Payment Spending Transaction, Overseas Transaction and Online Shopping Transaction
 $1,000
(capped at $500/month)
"Winter Spending Reward" - extra up to $1,000 Cash Dollars rebate
  • Earn extra $30 Cash Dollars for every 3 accumulated eligible transactions
  • Earn up to extra $400 Cash Dollars with total accumulated spending of HK$35,000 during promotion period
  • Earn up to extra $300 Cash Dollars upon tax payment of HK$500,000 or above via Hang Seng Personal e-banking 
 $1,000
  Up to $2,700 Cash Dollars
Well-rounded entertainment privileges with cinema and music streaming service offers
  • MCL Cinemas Privileges: Online Ticketing Handling Fee Waiver; $1 Cash Dollar to purchase an additional 2D / 3D adult ticket on every last Friday of each month, Free Popcorn and MCL CLUB Membership
  • KKBOX Offers: HK$1 for the first 90 days subscription and Concerts Exclusive Priority Booking
Perpetual Annual Fee Waiver

Need to know

If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged
Cash Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 15 months.
  • For example, if the renewal month is July, Cash Dollars that are accumulated between July 2020 to June 2021 will be valid till October 2021.
Cash Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 2 months upon fulfillment of the spending requirement(s). The relevant credit card account must be still valid and in good standing when Cash Dollars are credited
MPOWER Card Student Card is only applicable to Full-time University/Tertiary Student, attending certificate level or above course offered by following accredited education institutions and their subsidiaries, including: Accredited universities in Hong Kong, Chu Hai College of Higher Education, Vocational Training Council, Hong Kong Academic of Performing Arts, Caritas Institute of Higher Education (formerly known as Caritas Francis Hsu College), Caritas Bianchi College of Careers, Hong Kong Institute of Technology, Hong Kong College of Technology / HKCT Institute of Higher Education, Centennial College, Tung Wah College, Hong Kong Nang Yan College of Higher Education, Caritas Institute of Community Education, HKU Space Po Leung Kuk Stanley Ho community College, Hong Kong Art School, Pui Ching Academy, Yew Chung Community College and YMCA College of Careers.

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
Local Spending
5%
Overseas Spending
5%
Online Shopping Spending (Local)
5%
Online Shopping Spending (Overseas)
5%
Dining Spending
5%

Eligibility

Eligibility

Minimum Age
18 years old
Min. Annual Income
No Requirement

APR/Fees

Fees

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

Repayment

Minimum Payment
The Minimum Payment Amount is HK$300 or the sum of item (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of item (i) to (iii).
Late payment charge
HK$300 or an amount equal to the Minimum Payment Amount (whichever is lower)
Retail Purchase APR
34.97%
Cash Advance APR
38.37%

Other information

Credit card type
Mastercard

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