Hang Seng Visa Platinum Card
Last Updated: Apr 2022
Min. Annual Income
Local Spending - Cashback Rate
on local retail spending
(Non-direct Cashback) For local spending: 0.4% cashback
Overseas Spending - Cashback Rate
on overseas spending
(Non-direct Cashback) For overseas spending: 0.4% cashback

Welcome Offers from Hang Seng Bank

Up to $700 Cash Dollars
  • New credit card customer: $700 Cash Dollars Welcome offer
  • Existing credit card customer: $300 Cash Dollars Welcome offer
3-year Annual Fee Waiver
Annual Fee Waiver
Octopus Reload Rebate
MoneyHero Exclusive Offer

Great for

  • Welcome Offer
    From now till 31 December 2021, customers who successfully apply for Hang Seng Visa Platinum Card and fulfill the spending requirement of HK$5,000 or above within first 60 days from the date of card issuance enjoy up to $700 Cash Dollars:
    Requirements Offer
    Accumulate spending of HK$5,000 or above within first 60 days from the date of card issuance New Customers
    $700 Cash Dollars
    Existing Customers
    $300 Cash Dollars
  • Accumulated Cash Dollars can redeem cash coupon or be used as instant cash at designated stores.
  • Enjoy year round discount offers up to 70% off at designated hotels, restaurants, luxury stores and leisure destinations.
  • 3-year Annual Fee Waiver

Need to know

  • If a customer who has received the welcome 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.
  • 3-year Annual Fee Waiver is only applicable to applicant who is not holding currently and / or has not held in the preceding 6 months any personal credit card Principal Card.
    • To be entitled to 3-year Annual Fee Waiver, the applicant must be applying for his/her first Hang Seng Card.
    • If the applicant already owns a Hang Seng Credit Card, he / she is entitled to a 1-year Annual Fee Waiver.

Year-round rewards

Local Spending
(Non-direct Cashback) For local spending: 0.4% cashback
Overseas Spending
(Non-direct Cashback) For overseas spending: 0.4% cashback
Online Shopping Spending (Overseas)
Online Shopping Spending (Local)
Dining Spending
Octopus Top Up Spending


Minimum Age
18 years old
Min. Annual Income


Annual fee
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
Visa Platinum

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