Hang Seng The Hang Seng University of Hong Kong Credit Card
Last Updated: Apr 2022
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
BENEFITS
ELIGIBILITY
APR/FEES
Perpetual Annual Fee Waiver
No income requirement for students
Annual Fee Waiver

Great for

  • Perpetual Annual Fee Waiver
  • Save Effortlessly with Exclusive Campus Privileges
    • Enjoy a free 12 ounce hot latte upon spending of HK$250 at Coffee Shop in HSUHK campus
    • Enjoy staff/student discount price upon purchase of HSUHK souvenir
  • Benefit University Development as You Spend
    Part of the total spending of the customer will be donated to The Hang Seng University of Hong Kong 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 The Hang Seng University of Hong Kong

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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