Year-round rewards
Cash rebate
Air miles rewards
Cash rebate
Air miles rewards
Local Spending
2.4%
$4.17/mile
Overseas Spending
4.4%
$2.27/mile
Online Shopping Spending (Overseas)
4.4%
$2.27/mile
Dining Spending
2.4%
$4.17/mile
HSBC UnionPay Dual Currency Card
Last Updated:Mar 2021
$60,000
Min. Annual IncomeBenefits
Eligibility
APR/Fees
First 2 years annual fee waiver
First 2 years annual fee waiver
Annual Fee Waiver
Utilities Wallet Rebate
Octopus Reload Rebate
Annual Fee Waiver
Utilities Wallet Rebate
Octopus Reload Rebate
Great for
Enjoy flexible payment in Hong Kong dollars and Renminbi without worrying about exchange rate fluctuations
Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
First 2 years annual fee waiver
Need to know
In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
To borrow or not to borrow? Borrow only if you can repay!
Benefits
Eligibility
Eligibility
Minimum Age
18 years old
Min. Annual Income
HK$ 60,000
APR/Fees
Fees
Annual fee
HK$ 300
Foreign Currency Transaction Fee
1.0%
Repayment
Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any) (the minimum amount of Minimum Payment is HK$50).
Late payment charge
Minimum Payment Due or HK$230, whichever is lower
Retail Purchase APR
36.43%
Cash Advance APR
37.75%
Other information
Credit card type
UnionPay
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