Hang Seng MMPOWER World Mastercard®

Last Updated: Sept 2023

Min. Annual Income


Local Spending - Cashback Rate

(+ FUN Dollars; on online/ selected spending categories)
(Non-direct Cashback) Designated mobile payment spending: 5% +FUN Dollars Rebate; other local spending: 0.4% +FUN Dollars Rebate

Overseas Spending - Cashback Rate

(+FUN Dollars)
5% +FUN Dollars when you spend online
MCL Cinema 10% off regular-priced movie tickets, online handling fee waiver
Annual Fee Waiver
MoneyHero Exclusive Offer

Great for

  • [MMPOWER Card Super Deal] Enjoy totaling of up to $2,800 +FUN Dollars

    • Everyday +FUN Dollars - 5% +FUN Dollars Rebate, up to $800 +FUN Dollars each month
      • Starting from 1 Jun to 31 Dec 2023, you can get 5% +FUN Dollars in your selected spending categories (2 out of 5) by successfully registering for Everyday +FUN Dollars
        • Mobile Payment
        • Dining (dine-in and takeaway spending at restaurant outlets)
        • Travel and foreign currency (hotels, airlines, travel agencies, and more)
        • Electronics
        • Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spending, and more)
    • Notebook Program Reward - Earn up to HK$1,200 +FUN Dollars
      • Earn extra 5% +FUN Dollars after successful registration on “U-Mac Program” and/or “Notebook Ownership Program” with the designated amount of spending
  • Welcome Offer - Up to $1,300 +FUN Dollars

    • Successfully apply Hase Seng MMPOWER World Mastercard, and make HK$5,000 eligible spending within 60 days, can enjoy the following welcome offer:
      New Customers Existing Customers
      • $700 +FUN Dollars; OR
      • 10 MCL Cinemas movie tickets
      • $300 +FUN Dollars; OR
      • 5 MCL Cinemas movie tickets
    • Full-Time Student who has accumulated spending of HK$2,000 or above within the first 60 days from the date of card issuance is entitled to get $300 +FUN Dollars or 5 MCL Cinemas movie tickets.
    • Open with a Preferred Banking Account to get extra $100 +FUN Dollars
  • Exclusive MCL Offers
    • Online handling fee waiver
    • Add $1 +FUN Dollars to redeem 1 more movie ticket
    • Free small popcorn
    • 10% off regular-priced movie tickets
  • World Mastercard Privileges
    • Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.
  • Gaia Group Offer
    • From now till 30 September, enjoy Gaia Group exclusive dining offers when you spend with your Hang Seng MMPOWER World Mastercard, including 50% off for Liu's Chong Qing Hot Pot and Nami Izakaya set meal.

Need to know

  • If the customer has held a Hang Seng MMPOWER World Mastercard® as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. 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.
  • +FUN 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 +FUN Dollars are credited
  • +FUN 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, +FUN Dollars that are accumulated between July 2021 to June 2022 will be valid till October 2022.
  • MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation.

Year-round rewards

Local Spending
(Non-direct Cashback) Designated mobile payment spending: 5% +FUN Dollars Rebate; other local spending: 0.4% +FUN Dollars Rebate
Overseas Spending
Online Shopping Spending (Local)
Online Shopping Spending (Overseas)
Dining Spending


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


Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee


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
Cash Advance APR
Interest Free Repayment Period
56 days

Other information

Credit card type

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