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HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Updated: 17 Aug 2026
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
Apply now
Cashback
Cashback China and Macau
4.4%
Cashback Overseas
2.4%
Cashback Dining
2.4%
Annual Fee Waiver
First 2 years
Supported Payment Network:

Offers

MoneyHero Reward up to HK$1,000

Apply through MoneyHero and choose from 4 premium rewards
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Worth HK$200

Limited time only
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Worth HK$800

Limited time only
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Existing credit card customers can receive $200 RewardCash

Limited time only
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Up to HK$280 RewardCash Rebate

HSBC Credit Card - Welcome Offer
  • New credit card customers successful application for the Cash Instalment Plan can enjoy a $200 RewardCash

HSBC Welcome Offer
  • New credit card customers can receive $800 RewardCash
  • Existing credit card customers can receive $200 RewardCash

HSBC Pulse UnionPay Dual Currency Credit Card: Up to HK$280 RewardCash Rebate
  • Up to HK$280 RewardCash Rebate

Highlights

Things to Consider

Overseas rebate
Airport lounges access
Dining discount

  • New HSBC Rewards Partners
    Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options: 
    • New Travel Partners
      • Hainan Airlines and China Southern Airlines (available for all credit cards)
  • Mainland China & Macau Spending – Up to 4.4% RewardCash

    • Enjoy up to 2.4% RewardCash on Red Hot Rewards of Your Choice when you select Overseas and Mainland China Spending as your chosen spending categories. 

    • Up to extra 2% exclusive RewardCash rebate for spending made through QR Code Payment and/or Mobile Payment in Mainland China and Macau.
  • Other year-round offers:
    • One card, dual currency, without worrying about exchange rate fluctuations

    • Foreign currency transaction fee waiver on every RMB and MOP transaction

    • Up to 40% off at designated merchants. Please download UnionPay app for more details.

  • Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
  • First 2 years annual fee waiver
  • The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
  • In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
  • Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).
  • To borrow or not to borrow? Borrow only if you can repay!

Benefits

Cashback Dining
2.4 %
Cashback Overseas
2.4 %
Cashback China and Macau
4.4 %
Cashback Local
2.4 %

Airmiles Local
$ 4.17 per mile
Spending in China & Macau
$ 2.27 per mile
Airmiles Overseas
$ 4.17 per mile
Airmiles Dining
$ 4.17 per mile

Fees & Charges

Annual Fee
HK$ 1,800
Foreign Currency Transaction Fee
1 %

Late Repayment Charge
Minimum payment or HK$300 whichever is lower

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$ 120,000

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Card Benefit
$2 - 12.5 per mile
0.04 - 3.6 % cashback
0.4 - 4 % cashback
Cashback Local
1 %
3.6 %
Up to 8 %
Cashback Overseas
1 %
3.6 %
1 %
Annual Fee Waiver
First year
First 2 years
Perpetual annual fee waiver

Apply HSBC Pulse UnionPay Dual Currency Diamond Credit Card on Moneyhero to get exclusive rewards!