Hang Seng UnionPay Platinum Card

Last Updated: Oct 2022
$
150,000

Min. Annual Income

0.4
%

Local Spending - Cashback Rate

on local retail spending
(Non-direct Cashback) For local spending: 0.4% cashback
0.4
%

Overseas Spending - Cashback Rate

on overseas spending
(Non-direct Cashback) For overseas spending: 0.4% cashback
OFFERS
BENEFITS
ELIGIBILITY
APR/FEES

Welcome Offers from Hang Seng Bank

OFFER 1
Up to $700 Cash Dollars
Accumulate transaction amount of $5,000 within 60 days from the date of new card issuance:
  • New credit card customer: $700 Cash Dollars Welcome offer
  • Existing credit card customer: $300 Cash Dollars Welcome offer
Perpetual Annual Fee Waiver
Annual Fee Waiver
Octopus Reload Rebate
MoneyHero Exclusive Offer

Great for

  • Welcome Offer
    From now till 31 December 2022, customers who successfully apply for Hang Seng UnionPay 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.
  • Perpetual Annual Fee Waiver
  • MoneyHero exclusive offer is applicable to both new and existing Hang Seng credit card customers.

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 October, Cash Dollars that are accumulated between October 2021 to September 2022 will be valid till January 2023.

Year-round rewards

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

Eligibility

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

Fees

Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.2%

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
UnionPay Platinum

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