Hang Seng Hong Kong Baptist University Credit Card
Last Updated: Sep 2021
No Requirement
Min. Annual Income
2.4 %
Local Spending - Cashback Rate
(Non-direct Cashback) Spending on tuition fee / examination fee and bookstores: 2.4% Cash Dollars Rebate ; other local spending: 0.4% Cash Dollars Rebate
0.4 %
Overseas Spending - Cashback Rate
Perpetual Annual Fee Waiver
No income requirement for students
Annual Fee Waiver

Great for

  • Perpetual Annual Fee Waiver
  • Save Effortlessly with Exclusive Campus Privileges
    • 30% off at Starbucks on Baptist University Road Campus and Pacific Coffee on Shaw Campus
    • 15% off the food and beverage at BU Fiesta
    • 10% off at Bistro Bon and 10% service charge will be waived
    • 20% off for medical consultation at HKBU Clinics
  • Benefit University Development as You Spend
    Part of the total spending of the customer will be donated to Hong Kong Baptist University for its development

Need to know

  • Principal Card customer can only enjoy a Perpetual Annual Fee Waiver on one Hang Seng Credit Card (except The Hong Kong Jockey Club Membership Card, Hang Seng Prestige World Mastercard®, Hang Seng enJoy Card, Hang Seng MPOWER Card and Hang Seng UnionPay Platinum Card). Principal Card Applicant who does not currently own and/or has not owned any personal Credit Card Principal Card issued by Hang Seng in the past 6 months, and is applying for his/her first Hang Seng Credit Card, will be entitled to a Perpetual Annual Fee Waiver on Principal Card; otherwise, only 7-year annual fee waiver will be offered
  • Only applicable to Full-time University / Tertiary Students who are aged 18 or above and studying Hong Kong Baptist University

Year-round rewards

Local Spending
2.4%
(Non-direct Cashback) Spending on tuition fee / examination fee and bookstores: 2.4% Cash Dollars Rebate ; other local spending: 0.4% Cash Dollars Rebate
Overseas Spending
0.4%

Eligibility

Minimum Age
18 years old
Min. Annual Income
No Requirement

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 items (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 items (i) to (iii)
Late payment charge
HK$300
Retail Purchase APR
34.97%
Cash Advance APR
38.37%
Interest Free Repayment Period
56 days

Other information

Credit card type
Visa Platinum

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