Hang Seng MPOWER Card
Last Updated: Oct 2022
$
150,000
Min. Annual Income
9
%
Local Spending - Cashback Rate
on online/designated mobile payment spending
(Non-direct Cashback) Designated mobile payment spending: 5% Cash Dollars Rebate; other local spending: 0.4% Cash Dollars Rebate
9
%
Overseas Spending - Cashback Rate
on overseas spending
(Non-direct Cashback) Overseas spending: 5% Cash Dollars Rebate

Welcome Offers from Hang Seng Bank

  • OFFER 1
    Up to 10 MCL Cinemas Movie Tickets
    • New Credit Card Customer: 10 MCL Cinemas Movie Tickets
    • Existing Credit Card Customer: 5 MCL Cinemas Movie Tickets
    • Student: 5 MCL Cinemas Movie Tickets
    • Promotion period:  from now till 31 December 2022
  • OFFER 2
    Up to $700 Cash Dollars
    • New Credit Card Customer: $700 Cash Dollars Welcome offer
    • Existing Credit Card Customer: $300 Cash Dollars Welcome offer
    • Student: $300 Cash Dollars
    • Promotion period: from now till 31 December 2022
Up to 9% Cash Dollars Rebate on Online Shopping and Designated Mobile Payment Spending
No income requirement for students
Annual Fee Waiver
MoneyHero Exclusive Offer

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$5,000 or above
    within first 60 days from the date of card issuance (Student who has accumulated spending of HK$ 2,000 or above within first 60 days from the date of card issuance is entitled to get 5 MCL Cinemas movie tickets or $300 Cash Dollars)
    New Credit Card Customers
    10 MCL Cinemas movie tickets
    OR
    $700 Cash Dollars
    OR Existing Credit Card Customers
    5 MCL Cinemas movie tickets
    OR
    $300 Cash Dollars
    Open a Preferred Banking account successfully


    Extra $200 Cash Dollars
  • Apple Shopping Reward

    • From 9 September to 31 October 2022, upon successful registration, you will enjoy below extra rewards up to HK$1,000 Cash Dollars / 200,000 yuu Points (enJoy Card) with the designated spending on any Apple products including iPhone, iPad, Apple Watch, MacBook and other peripherals with your Hang Seng Visa and Mastercard Principal Card at Hong Kong Apple Store Online or Apple Retail Stores in Hong Kong:
    Eligible Spending Extra rewards
    Single net spending of HK$5,000 or above

    5% Cash Dollars OR 10x Yuu Points (enJoy Card)

    Hang Seng Visa Credit Card Exclusive Reward:
    Accumulated eligible spending of HK$30,000 or above for the whole period

    HK$500 Cash Dollars OR 100,000 Yuu Points (enJoy Card)

  • Up to 9% Cash Dollars Rebate on Overseas Spending, Online Shopping and Designated Mobile Payment Spending

    • Go to hangseng.com/mpowermobile to register “Hang Seng MPOWER Card Up to 5% Cash Dollars Rebate Reward”. With accumulate eligible transactions to HK$3,000 with a registered Hang Seng MPOWER Card, designated transactions can earn 9% Cash Dollars Rebate, maximum of $500 Cash Dollars in each month
      • Subject to Terms and Conditions of “Hang Seng MPOWER Card Up to 5% Cash Dollars Rebate Reward”. For details, please visit hangseng.com/mpowermobile
  • 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, enjoy 10% off on movie tickets purchase and free popcorn coupon by buying tickets at box office
  • Perpetual Annual Fee Waiver

Need to know

  • MoneyHero exclusive offer is only applicable to new Hang Seng Credit Card or Existing Credit Card cardholders (Do not hold MPOWER card in the past 12 months) who are not currently holding and/or have not 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.
  • 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 reward will be credited to the relevant credit card account of the Principal Card customers within 3 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
  • 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 2021 to June 2022 will be valid till October 2022.
  • MPOWER Card Student Card is only applicable to Full-time University/Tertiary Students who are aged 18 or above, 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 Institute of Vocational Education, Hong Kong Academic of Performing Arts, Caritas Institute of Higher Education, 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, UOW College Hong Kong, Hong Kong Nang Yan College of Higher Education, Caritas Institute of Community Education, Hong Kong Art School, Gratia Christian College and Yew Chung College of Early Childhood Education.
  • Subjects to “Hang Seng Credit Card Spending Wow Reward”. Promotion valid until 30 Nov, 2022. For details, please visit hangseng.com/spending。

Year-round rewards

CASH REBATE
Local Spending
9%
(Non-direct Cashback) Designated mobile payment spending: 5% Cash Dollars Rebate; other local spending: 0.4% Cash Dollars Rebate
Overseas Spending
9%
(Non-direct Cashback) Overseas spending: 5% Cash Dollars Rebate
Online Shopping Spending (Local)
9%
(Non-direct Cashback) Online shopping spending: 5% Cash Dollars Rebate
Online Shopping Spending (Overseas)
9%
(Non-direct Cashback) Online shopping spending: 5% Cash Dollars Rebate
Dining Spending
9%
(Non-direct Cashback) Designated mobile payment spending: 5% Cash Dollars Rebate; other local spending: 0.4% Cash Dollars Rebate

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$150,000 (except full-time university/tertiary students)

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%
Interest Free Repayment Period
56 days

Other information

Credit card type
Mastercard

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