Compare All Credit Cards in Hong Kong 2025

• Most suitable for customer who has big spending in short period
• Earn the welcome offer with a cost-free strategy by using e-wallet transactions (PayMe / Alipay HK) which count towards the welcome spending requirement

• Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.
  • 2% rebate on local dining spending
  • 2% rebate on local hotel spending
  • 2% rebate on spending in foreign currency
  • 1% unlimited rebate on other spending
  • Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
• Purchase Protection Insurance
  • Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.

• First year annual fee waiver

• The MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
• Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
  • Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.

• Online transactions: up to 4% RewardCash rebate (capped at HK$10,000 per month) (equivalent to HK$2.5 per air mile); 1% rebate for remaining spending
• Designated spending categories: 1% RewardCash rebate
• Octopus Automatic Add-Value Service and online bill payments transactions: 0.4% RewardCash rebate (equivalent to HK$25 per air mile)
• Terms and Conditions apply

McDonald’s: Enjoy a maximum of an extra $40 RewardCash each month via HSBC Reward+ Stamp Cards

MCL Cinemas: Enjoy a maximum of an extra $90 RewardCash each month via HSBC Reward+ Stamp Cards

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).

Other things to note

• Make eligible transactions with single net spending amount of HK$30 or above at McDonald’s to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximum of 8 stamps each month.
• Make eligible transactions with single net spending amount of HK$50 or above at MCL Cinemas to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximum of 9 stamps in each phase.
• To borrow or not to borrow? Borrow only if you can repay!

Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

• Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
  • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
• HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

• Hotel, Car Rental and Experience Awards;
• Dining awards or settle bill with miles; and
• Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

• New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

• New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
• Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
• Offers are subject to Terms and conditions
• An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page

• From January 1, 2025 to December 31, 2025, new customers who successfully apply for the enJoy Card can receive a welcome reward of 120,000 yuu Points (equivalent to a HKD600 reward); existing customers can enjoy a welcome reward of 80,000 yuu Points (equivalent to a HKD400 reward).

• The latest Points Rewards for Supermarket and restaurant: register, earn and redeem YUU Points
  
• Earn up to 2% rebate at 2000+ designated merchants

Spend with the card at any designated merchants to earn up to 4X Reward Points (2% rebate).

Reward Points can be spent as cash (200 Reward Points=HK$1), as well as redeeming e-coupons

and gifts in yuu App

• Enjoy designated merchants exclusive year-round discount offer

  • 7-Eleven: 5% off on the 8th and 18th of every month
  • IKEA: Free delivery upon home furniture and accessories order of HK$3,500 or above at stores on the 1st and 3rd Wednesday of every month (Excluding Outlying Islands and Macau)
  • Mannings: 6% off on the 1st and 20th of every month
  • Wellcome, Market Place by Jasons, 3hreesixty, Oliver's The Delicatessen: 8% off on the 3rd, 13th & 23rd of every month upon a single net spending of HK$100 or above
  • Pizza Hut: 10% off dine-in/ takeaway à la carte menu items from Monday to Sunday (Except specific dates)
  • PHD: 10% off dine-in/ takeaway à la carte menu items from Monday to Sunday (Except specific dates)
  • KFC: 5% off dine-in and takeaway orders (From Monday to Friday, except public holidays)

• Get discount offers at renowned hotel restaurants, shops and leisure outlets
• If the customer has held a Hang Seng enJoy Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the 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.
• New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
• If the customer has held a Hang Seng enJoy Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the 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.
• The relevant Designated Merchants e-Coupons and yuu Reward Points will be credited to the Eligible Principal Card Customer’s yuu App which is linked with enJoy Card and enJoy Card account respectively within 2 months after the Eligible Principal Card Customer has fulfilled the requirements. The enJoy Card account should be valid and in good standing, and being linked to yuu Reward Programme when the Designated Merchants e-Coupons and yuu Reward Points are credited
• MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested.
• Advertising information is provided by Hang Seng Bank Limited
• Hang Seng reserves the right to amend these Terms and Conditions at any time
• To borrow or not to borrow? Borrow only if you can repay!

Travel Offer

• American Express Travel Online Benefit
  Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit
  • For details, please refer to American Express Travel Online Benefit | American Express Hong Kong
• Complimentary Access to The Centurion Lounges
  Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges including Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.
• Fine Hotels & Resorts
  Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival,  complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available, including Park Hyatt Niseko Hanazono, InterContinental Osaka, Grand Hyatt Seoul, Conrad Seoul and Capella Bangkok
• Elite partner programs
  Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status
• The Hotel Collection
  Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.
• Comprehensive Travel Insurance
  Travel Accidents coverage of up to HK$3,000,000, Medical Assistance and expense up to HK$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.

Dining Offer
Basic and Supplementary Cardmember can enjoy

• Global Dining Credit
  Year-round benefit of up to HK$2,000 Global Dining Credit, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for overseas dining at over 1,400 abroad restaurants and in 20 locations around the world.
  • Promotion details please refer to Global Dining Credit | American Express Hong Kong
• NEW! Enjoy up to 30% savings at selected restaurants of Elite Concepts.
  • 30% savings on the original price of the designated menu at participating restaurants, including yè shanghai – Tsim Sha Tsui/ Admiralty, Nanhai No. 1, Nanhai No. 2, Deng G Sichuan
  • 20% savings on the original price for access and dining at Penthouse.
  • Promotion details please refer to Elite Concepts l American Express HK
• NEW! Enjoy up to 30 % savings on the a la carte menus at selected restaurants of JIA Group, including Chachawan, Duddell’s, La Terrace by Louise and Leela
  • Promotion details please refer to JIA Group l American Express HK

• NEW! Enjoy 30% savings on the original price of the designated dinner menu at participating restaurants of Wooloomooloo Group

  • Designated restaurants include: MOOO! – Tsim Sha Tsui, OMAROO Grill – Central, Wooloomooloo Steakhouse - Tsim Sha Tsui East, Wooloomooloo Steakhouse - Wan Chai and Wooloomooloo Prime – Tsim Sha Tsui
  • Promotion details please refer to Wooloomooloo Group | American Express HK
• Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
  • Promotion details please refer to Maxim's Dining | American Express HK
• Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
  • Designated restaurants of Cafe Deco Group includes: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
  • The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
  • Promotion details please refer to Cafe Deco | American Express HK
• Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.

Earn Rewards points when you spend with the Card

• Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.67%.
  • Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 240 Membership Reward points Points = HK$1 Redemption Points
• Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.33%.
  • Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 240 Membership Reward points Points = HK$1 Redemption Points
• Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 1%.
  • Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points

Lifestyle Offer

• Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
• Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cookedDeli in Hong Kong.

Shopping Protection

• Online Fraud Protection GuaranteeShop online with the Card and you won't be held responsible for any fraudulent charge.
• Return GuaranteeRefund if you are unhappy with the purchase made with the Card.
• Extended WarrantyWhen purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
• Price ProtectionRefund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
• 45 Days CoverAlmost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.

• Terms and Conditions apply.

Reminder

• The Platinum Card® Year-Round Offers Terms and Conditions apply.
• Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)
• Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.
• The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
• Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.

With Mox Credit Credit, earn best-in-town unlimited CashBack everywhere

• Earn 3% unlimited CashBack at supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
• Earn 2% unlimited CashBack (with an Eligible Balance of HKD250,000 or above)! Or earn 1% unlimited CashBack if otherwise
• Earn a total of up to 5% CashBack at selected daily merchants
• Want to earn Asia Miles instead? You can switch your spending reward mode to “Miles”, and start earning “best-in-town” HKD4 / mile + 0% FX fees (for both overseas spending / online shopping)

Transfer flexibly with Mox Credit with no fees

• Starting 1 May 2023, Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Whether you need to transfer money to friends or family, set up designated payees to pay rent, tuition fees, or miscellaneous expenses, or purchasing goods and services, Mox Credit makes it easy for you.
• Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. If you exceed your personalised transfer limit, a handling fee of up to 2% will be applied. To keep track of your threshold and fees, you can easily check your Mox app

Mox Credit - Numberless All-in-One Bank Card

• Up to 56 days of interest-free
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• No late payment fee
• One card for all purchases and cash withdrawal.
• No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
• Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
• Use JETCO ATMs in Hong Kong for free.

Mox Exclusive Offer

• Discover discount offers, free gifts, unique experiences and more
• Please visit the Mox Official Website for the list of exclusive offers

Other things to note

• Mox Asia Miles Time Deposit Promotion Terms and Conditions and Mox Upfront Interest Time Deposit Promotion apply.
• These Time Deposit interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon time deposit set up. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate offers at any time without prior notice. Before making the relevant transaction, please check on Mox app for the interest rate offers applicable to the transaction. Please note that if you request for an early withdrawal, the upfront interest will be deducted from the time deposit principal amount.
• Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.

• From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. If you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction.

• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!
• Mox disclaimer applies.

• Spending Rewards - The best in town* up to 5% +FUN Dollars rebate for Online retail spending / up to 6% +FUN Dollars for oversea foreign currencies spending / selected spending categories up to 1% +FUN Dollars Rebate (Select 2 out of 3)

  • From 1 July 2024 to 31 December 2025 (both dates inclusive), customers who register for Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme via hangseng.com/mpower and accumulates monthly eligible spending of HK$5,000 or above can enjoy below spending rebates:
    • Overseas Foreign Currencies Spending up to 6% +FUN Dollars rebate
    • Online Retail Spending up to 5% +FUN Dollars rebate
    • Selected spending categories up to 1% +FUN Dollars rebate (Select 2 out of 3: Dining (dine-in and takeaway at restaurant outlets; fast food not included), Electronics, Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spendings and more)
  • Rebates for Overseas Spending, Online Retail Spending and Self-Selected Categories Spending mentioned above have included basic 0.4% +FUN Dollars on Hang Seng Credit Card (HKD250 retail spending can earn $1 +FUN Dollar) and extra rebate. During the Promotion Period, customers can enjoy up to extra $500 +FUN Dollars in total per month
  • Terms and conditions apply. Please visit hangseng.com/mpower for details, terms and conditions of MMPOWER World Mastercard +FUN Dollars Rewards.
• World Mastercard Privileges
  • Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.

• If the customer has held a Hang Seng MMPOWER World Mastercard® as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the 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.
•  “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
• +FUN Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 3 months upon fulfillment of the spending requirement(s). The relevant credit card account must be still valid and in good standing when +FUN Dollars are credited
• +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.
• MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation.
• Hang Seng reserves the right to amend these Terms and Conditions at any time
• To borrow or not to borrow? Borrow only if you can repay!

• *As of May 14, 2025, the monthly cash rebate cap of the MMPOWER World Mastercard® is higher than that of similar products in the market for the same spending categories.

• First year annual fee waiver
• 6% Cash Rebate on dining and online spending all year round
• From 1 January till 30 June 2025, Motion Credit Cardmembers can earn 6% cash rebate on dining and online spending all year round, up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transactions of HK$3,800 of the month)
• Other things to note:
  • Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications.
• Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/motion_credit_card/en/index.html.
• Reminder: To borrow or not to borrow? Borrow only if you can repay!

• 4% Cash Rebate on RMB and designated mobile wallet spending
  • From 1 January 2025 till 30 June 2025, CNCBI GBA Dual Currency Credit Cardmembers can enjoy 4% Cash Rebate on RMB and mobile wallet (includes Wechat Pay (HK Wallet) and Union Pay App Payment (consumer presented QR code payment mode)), up to extra HK$120 Cash Rebate per day and HK$200 Cash Rebate per month.
• Extra 6% Cash Rebate on RMB spending
  • From 1 January 2025 till 30 June 2025, CNCBI GBA Dual Currency Credit Cardmembers can enjoy extra 6% Cash Rebate on single RMB spending of CNY3,000 or above, up to extra HK$200 per day and HK$300 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer
• Airport Lounge Service and Fabulous Dining
  • Free Global Airport Lounge Benefit with Eligible Spending

    • From 16 December 2024 to 31 December 2025, get a Free Global Airport Lounge Privilege upon pre-registration on U Rewards at UnionPay App and make eligible spending at offline retail merchants with UnionPay App. Quota applies and on a first-come-first-served basis while quota lasts. The offer is subject to relevant terms and conditions.

  • Buy One Get One Free for Starred Hotel Buffet and Afternoon Tea

    • From 26 September 2024 to 31 August 2025, enjoy buy one get one free at over 80 restaurants of luxury hotels  in more than 30 cities across Mainland China. Cardmembers are required to make a reservation of the restaurant and timeslot at UnionPay App at least 24 hours in advance. The offer is subject to relevant terms and conditions.

• No foreign currency transaction handling fee
• First year annual fee waiver

Other things to note

• Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
• Terms and conditions apply. For details, please visit www.cncbinternational.com/personal/promotions/credit-card/en/index.html.
• Reminder: To borrow or not to borrow? Borrow only if you can repay!

• Rewards Points
  • Enjoy up to 3% Points Rebate for Shopping & Entertainment spend
  • 1% Points Rebate for all local Mobile Payments
• First year annual fee waiver
• This MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
• Handling fee of HK$50 - HK$300 will be charged for redeeming Points for miles each time.

• 5% CashBack at PARKnSHOP

  Year round offers: 5% CashBack at designated merchants like Klook and more

  • Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
    • From 2023 onwards, JHC will be added as a designated merchant
    • Other designated merchants include 759 Store, Circle K Convenience Store, HKTVmall, Klook, SaSa, Watsons, Decathlon, China Mobile Hong Kong (from 9 June 2023 onwards) and Deliveroo (from 1 April 2023 onwards) etc.
    • Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.
    • No minimum spending requirement.
    • The cap of 5% CashBack earned within the promotion period is HK$3,000. (You will reach the cap when you spend HK$60,000 at selected merchants.)
  • Other retail transactions (including online transactions and interest-free monthly instalment), Octopus Automatic Add-Value transactions and PayMe top-up transactions are entitled to 0.55% CashBack.
• Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
• Perpetual annual fee waiver
• No foreign transaction fee
  • No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.
• No cash advance fees

• 	Extra CashBack		Basic CashBack		Total CashBack#
  Monthly Eligible Spending*	CashBack for Eligible Transactions made at Designated Merchants	Spending Cap per Monthly Statement Cycle	CashBack for Eligible Transactions	Spending Cap per Monthly Statement Cycle
  HKD 4,000 to HKD 14,999	4.44%	HKD5,000^	0.56%	No Cap	5%
  HKD 15,000	3.80%		1.2%		5%

• Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
  • New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
• Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants
• You are required to redeem CashBack through the 360° Rewards Redemption Platform.
  • The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
  • Cardholders are required to redeem CashBack through the platform.
  • The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.
• Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
  
  To borrow or not to borrow? Borrow only if you can repay!

• Hong Kong Airlines Privileges
  • From now till 31 December 2025, enjoy up to extra 2,000 FWC points for ticket purchase via Hong Kong Airlines and mobile app
  • Enjoy 10% off onboard duty-free items with the card
  • 2 Hong Kong Airlines Airport Lounge Vouchers
    • From now till 31 December 2025, Cardmembers who successfully activate their credit cards and make any retail purchases with the card will receive 2 shareable Hong Kong Airlines airport lounge vouchers, which can be used by the cardmember or their traveling companions.
    • Cardmembers can also redeem extra lounge vouchers through inMotion with a redemption fee of HK$60 per voucher (required to have accumulated retail spending of HK$3,000 or above from the redemption date to the end of the next calendar month for each voucher redeemed).
    • Terms and Conditions apply, please click here for details.
  • Designated check-in counter, priority luggage and priority boarding
  • 50% off FWC points for award ticket redemption and business class upgrade launched by Hong Kong Airlines from time to time
• Free Travel Insurance Protection
  • From now till 31 December 2026, Enjoy complimentary travel insurance with coverage amount up to US$100,000 per trip for card holders (up to 50% coverage for family members).
  • When you pay entire cost of common carrier tickets with your eligible card and completed the benefit registration process prior to the commencement of the trip, you and your family may enjoy an overseas medical coverage.
  • The offer is provided by Mastercard and subject to related terms and conditions. The insurance service is provided by AIG Asia Pacific Insurance Pte Ltd. For details, please click here to view the policy terms and coverage details.
• Complimentary 12 months HoteLux Elite Membership
  • Elite membership offers include 1,000 HoteLux points, complimentary breakfast, complimentary room upgrade*, early check-in*, late check-out*, up to US$200 hotel dining & spa credits etc.
• Global Hotel Offers
  • One night free and other offers in a collection of participating luxurious hotels, up to 12% off at Agoda and up to 10% cashback at Booking.com.
• First Year Annual Fee Waiver
• Merchant Installment Plan
• Octopus Automatic Add Value Service
• Credit Card Cash-in Installment Program
• Card Retail Purchase Installment Program
• Debt Consolidation
• Mobile Payment Service - ApplePay & GooglePay
• Up to 57 days interest-free repayment period
• T&Cs apply, please click here for details.
  To borrow or not to borrow? Borrow only if you can repay!

• Spending Rewards - Foreign Currencies Spending - best in town* - 7% +FUN Dollars Rebate / Local Dining and Transportation up to 5% +FUN Dollars Rebate

  • The promotion period of Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Programme has been extended to 31 December 2025. Customers who register via https://hangseng.com/travelplus and accumulate monthly eligible spending of HK$6000 or above can enjoy below spending rebates. Registered customers are not required to register again and can continue to earn extra +FUN Dollars.
    • Foreign currency spending in Japan, Korea, Thailand, Singapore and Australia up to 7% +FUN Dollars
    • Other Foreign Currencies Spending up to 5% +FUN Dollars
    • Local Transportation Spending up to 5% +FUN Dollars
    • Local Dining Spending (excludes Fast Food) up to 5% +FUN Dollars
  • Rebates for Foreign Currency Spending, Local Transport and Local Dining Spending mentioned above have included basic 0.4% +FUN Dollars on Hang Seng Credit Card (HKD250 retail spending can earn $1 +FUN Dollar). During the Promotion Period, customers can enjoy up to extra $500 +FUN Dollars in total per month
  • *As of 14 May 2025, the monthly cash rebate limit for the Travel+ Visa Signature Card is higher than that of similar products in the market for the same spending category.
  • Terms and conditions apply. Please visit https://hangseng.com/travelplus for details, terms and conditions of Travel+ Visa Signature Card +FUN Dollars Reward Programme.
• Travel+ Visa Signature Card Exclusive Offer

• “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” refer to applicants who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
• If the customer has held a Hang Seng Travel+ Visa Signature Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the 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.
• The extra +FUN Dollars rebate will be calculated for the Eligible Retail Spending till the last day of every calendar month. The extra +FUN Dollars rebate will be automatically credited into the Eligible Credit Card account within 2 calendar months. The credit card account should remain valid and in good standing when the relevant +FUN Dollars rebate is credited. Cardholders can log on to Hang Seng Personal e-Banking (if applicable) or call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.

• Rakuten Travel Japan hotel booking offer
  • From now until 15 July 2025, grab the stackable extra 10% off coupon via designated link in Rakuten Travel, and grab the mid-year flash coupon on the booking page, you can save up to 55% when apply both coupons at checkout with your card. The maximum discount per booking is HKD1,700. The offer is available on first-come, first-served basis, while stocks last. Terms and Conditions Apply.

• Expedia Promotions

  • From now till 31 December 2025, enjoy 9% off on selected hotel bookings with promo code “HASE9” via http://www.expedia.com.hk/hstravel
• +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.

• MoneyHero strives to maintain accurate information. If there are any discrepancies between the information provided and that found on the websites of financial institutions, service providers, or specific products, the information from the financial institutions shall prevail. Please refer to the relevant financial institution’s website for the most up-to-date product information.

• Hang Seng Bank is not the provider of the exclusive rewards from MoneyHero. The availability of the rewards and their redemption process are not related to Hang Seng Bank.
• Advertising information provided by Hang Seng Bank Limited
• Hang Seng reserves the right to amend these Terms and Conditions at any time
• To borrow or not to borrow? Borrow only if you can repay!

Launch of WeWa Club Enjoy endless offers and jetso

• The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.

• At WeWa Club, you can:
  • Buy amazing things at a good deal
  • Enjoy priority booking for concerts or other events
  • Enjoy many other offers and jetso!
  Click here  to register as a WeWaClub member

Enjoy limited-time offers and activities in OmyCard app

• Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.

• 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (0.4% basic rebate + 3.6% additional rebate) (HK$250 = HK$10 cash rebate)
• 0.4% on other spendings (HK$250 = HK$1 cash rebate)

• Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.

• Welcome offers, HK$300 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.

• Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200

• HK$500 cash rebate Welcome offer
• Unlimited 1% cash rebate on local and overseas retail spending
• 0.5% cash rebate on Octopus reload amount
• First 2-year annual fee waiver

To borrow or not to borrow? Borrow only if you can repay

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU

Terms and Conditions of Dah Sing ONE+ Credit Card

• Suitable for customers who have large amount of overseas/foreign currency spending
• Points will never expire. No service charge for mileage conversion.
• Up to 12 times complimentary access to airport lounges for every calendar year
  • Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
• Free Travel Insurance
  • Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
• Purchase Protection
  • Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase

• First year annual fee waiver

• This MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
• When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.

• Introducing the all-new Mox Credit "MOXMHMILES" miles-earning code!
• Seamlessly earn an unbeatable HKD4 = 1 Asia Mile on all your spending with Mox Credit's Miles Rewards Scheme, so you can earn faster and fly sooner. Plus, enjoy 0% FX Fees, making every purchase count, whether at home or abroad!
• Break free from traditional credit card rewards scheme. With Mox Credit you can switch between CashBack and Miles Rewards scheme with ease, putting you in control of how you earn.
• Enjoy HKD4 = 1 Mile on all spending
• Unlimited Miles, Unlimited Trips.
• There's no limits on the number of miles you can earn – spend more, earn more!
• 0% FX Fees: Same great rates at home and abroad!
• Enjoy 0% FX Fees on all transactions worldwide.
• Save effortlessly on overseas trips and online purchases.
• Want to earn CaskBack instead? You can switch your spending reward mode to “CashBack” via Mox app, and start earning “best-in-town” 2% unlimited CashBack on any spending!

New customers can only use one invitation code to open an account and enjoy the welcome offer

Mox Credit transfer limit is customized every month to facilitate daily transfers

• Mox Credit's personalized transfer amount is customized every month. Transfer money through Mox Credit using "FPS", which is convenient, fast and convenient.

• For daily bank transfers to relatives and friends, rent payments, tuition and miscellaneous fees, shopping and other services, you only need to use the "FPS" transfer function or bank transfer function through Mox Credit in the Mox app, and you can enjoy it with just one click. Interest-free repayment period of 56 days. You can also set up a "repeat payment" instruction to never miss any payment days again.

• If the total monthly transfer amount exceeds your personalized transfer limit, you only need to pay a handling fee of up to 2% for the transfer amount exceeding this limit. If you want to check your personalized transfer amount and handling fee, just log in to the Mox app and you can see it at a glance

Mox Credit - Full-featured No-Number Bank Card

• Use "FPS" via Mox Credit to transfer the amount first and then find the amount.

• One Mox Credit has both consumption and withdrawal functions

• No card number design, the physical card will not be printed with the card number, expiration date or CVV verification code, reducing the risk of data theft

• You can lock, unlock, set daily limits and change ATM passwords for Mox Credit through the Mox app. Even if you lose your physical card, you can reduce the risk of it being stolen.

• Free use of "JETCO" ATM cash withdrawals

No annual fee

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.
• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.
• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank's Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.

• You must first open a Mox account to apply for Mox Credit

• Applicants for Mox account must be 18 years old or above, hold a valid Hong Kong resident identity card, and have a valid Hong Kong residential address and mailing address

• Subject to Mox disclaimer.

• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

• Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$3.6 = 1 mile on selected online everyday spend merchants.

  Local Currency Spend	HK$1 = 3 Membership Rewards points (HK$6 = 1 mile / 1% cash rebate）
  Foreign Currency Spend	Click Here and Register: HK$1 = up to 10.75 Membership Rewards points (HK$1.68 = 1 mile）
  Airlines and Selected Online Travel and Everyday Spend Merchants Include: Trip.com, klook, Expedia, hotels.com,etc., Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE	Click Here and Register: You can earn up to 10.75 points when making purchases through airlines or designated travel websites (such as trip.com, klook, etc.) (HK$1.68 = 1 mile)

  • Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.

• No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.

  • You can transfer your points into 8 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.
  • You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.

• Travel Privileges - take care of your travel needs

  • Complimentary Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.
  • Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.

• Shopping Protection
  Spend with the Card to enjoy the following protection:

  • Online Fraud Protection Guarantee
    Shop online with the Card and you won't be held responsible for any fraudulent charge.
  • Return Guarantee
    Refund if you are unhappy with the purchase made with the Card.
  • Extended Warranty
    When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
  • Price Protection
    Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
  • 45 Days Cover
    Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
  • Terms and Conditions apply.

• Entertainment and Shopping Privileges

  • 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.

• First year annual fee waiver upon successful card application
  • Spend HK$150,000 annually with the principal and any supplementary card(s) and your HK$2,200 annual card fee will be waived for the following year.
• Travel Spend Offer
  • From now until June 30, 2025, enroll to earn as low as HK$1.68 = 1 mile on Travel Spend Offer, equivalent to up to 10.75 Membership Rewards points for every HK$1 equivalent spent in foreign currencies transactions, airlines or selected online travel merchants

Things to know

• Welcome Offer Terms and conditions apply.
• Existing American Express Explorer Credit Card Basic Cardmembers and applicants who held the Basic Card of American Express Explorer Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and first-year annual fee waiver.
  • Gift eligibility is based on the application date of the approved application, but not approval date 
• First Transaction Bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.

Smartphone Application Guide

• Apply for a DBS Black World Mastercard through the MoneyHero mobile website to earn exclusive welcome offers plus an additional HK$50 InstatRedeem from DBS Card+. For details, please visit DBS website.

1. Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
2. After filling out your email, directly access the pop-out App Store / Google Play Store page to download and open the DBS Card+ HK app.
3. Directly apply for the specified DBS credit card within the app, and check your email inbox to fill out the reward claim form.

• If you want to continue applying through the desktop website:
  After accessing the bank's official website through MoneyHero, please use the "New Customer" column "Apply Now" red button to apply. This makes it easier to successfully track your MoneyHero exclusive offer application details, but you may not be able to get the additional HK$50 InstatRedeem from DBS Card+.

Suitable for customers who loves travelling

As low as HK$2=1mile and worldwide travel privileges

• Register via DBS Card+ app now to enjoy the following privileges upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month to enjoy Eligible Overseas Spending as low as HK$2 = 1 Mile. For details, please visit DBS website

Enjoy full year travel privileges 

• Up to 8% off on hotel booking offer from Expedia.com
• Up to 8% off on hotel booking offer from Hotels.com
• Up to 16% Wallet Credit Back on selected hotels booking at Booking.com
• Up to 6% off on designated locations hotel booking from Hutchgo
• Up to 12%off on Resort designated area package and stay for a designated number of nights from Club Med (valid until 30/4/2025)

Flexi Shopping Black World Mastercard® Exclusive Offer

• 3 times 50% one-off handling fee rebate on travel merchant spending instalments!
• Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fsbmce.

InstaRedeem 20% off on Online / Travel Merchant Spending

• Offset your online spending or spending at travel merchants with DBS$ with just a few taps!

• Redeem air miles or travel rewards with DBS$. No expiry date and redemption fee for DBS$.

  • Redeem flight from Asia Miles, Avios, KrisFlyer & PhoenixMiles at any time; Asia Miles can be converted instantly and shall be credited to your mileage account instantly.
  • Exclusive offers of 45% off when redeeming travel rewards with DBS$ from iGO Rewards.

• Unlimited Cash Rebate Redemption
  • DBS Black World Mastercard® Cardholder can redeem Cash Rebate at DBS$80 to HK$100 during Promotion Period. Without any spending requirement and limit on redemption quantity.
  • Login to DBS Card+ > Select "Rewards" > Select "eSHOP" > Select applicable credit card > Select "20% Off Cash Rebate Redemption Promotion" > Select redemption quantity > Click "Buy Now" to complete redemption procedure

Other things to note

• MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
• DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
• Terms and Conditions apply. For details, please visit go.dbs.com/hk-blackcard-mc.

• To borrow or not to borrow? Borrow only if you can repay!

• Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$1,000 in the month, Eligible Online Retail Transactions with a single net transaction of HK$500 or more during the month will earn 8% cash rebate for eligible online retail spending)
• Up to 8% cash rebate for local transportation（Eligible Local Transportation include: CityBus and Cityflyer, KMB, LWB, MTR, Tram and Star Ferry）
• 3% cash rebate for eligible spending at designated local merchants（Designated local merchant includes： Adidas, Fila, PUMA, @cosme STORE, Matsukiyo HK, Tokyo Lifestyle）
• Cashback will be capped at HK$200 per month

“Eligible Retail Transactions” shall not include cash advance transactions, payments of any Fees and Charges of a Card (e.g. annual fees, interest or finance charges, late charges, over-the-limit handling charges, cash advance handling fees and other charges), payment to the Inland Revenue Department and/or any other relevant authorities, tolls, road and bridge fees, online bill payment or utilities bill or all payments to and/or transactions with any insurance company (including but not limited to insurance premium payment), all donation and/or payment to any charitable or social service organizations, purchase of any cash coupon or cash voucher, payments for any unit trusts or mutual funds, casino transactions (including but not limited to gambling transactions), any money or electronic money transfer (including but not limited to transfers via person to person (P2P) payment services or mobile device, application, electronic funds transfer platform), reload/ transfer/ payment transactions made via or in relation to electronic wallets (including but not limited to Alipay, WeChat Pay, PayMe), reload of stored value accounts, Octopus top-up transactions by any means (including but not limited to Automatic Add Value Service (AAVS), online or through mobile), cash withdrawal, loan on Card, instalment amount, unposted transactions, cancelled transactions, returned transactions, counterfeit transactions or any other unauthorized transactions. The Card Issuer’s records with respect to the Eligible Cardholder on the amount of Eligible Retail Transactions accumulated from time to time are conclusive and binding on the Eligible Cardholder. All Eligible Retail Transactions shall be determined based on the merchant codes assigned by the related card associations worldwide and the Card Issuer, which may be varied from time to time without prior notice. If there is any dispute regarding any Eligible Retail Transactions, the decision of the Card Issuer shall be final and conclusive.

• Sam's Club (Shenzhen) – Up to an extra $200 RewardCash
  • Receive up to an extra $100 RewardCash for designated spending amount with your HSBC Pulse UnionPay Dual Currency Credit Card on Friday, Saturday, Sunday or Hong Kong Public Holidays, no matter via HSBC Reward+ App, UnionPay App or just the physical card. You can get a maximum of an extra $200 RewardCash for the entire promotional period. Remember to register via HSBC Reward+ app!

• • Spending Amount

    RewardCash
    RMB500 TO RMB999	$50
    RMB1,000 or above	$100

• 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.

• Buy 1 get 1 free at EPURE, La Rambla by Catalunya, ZUMA Hong Kong
• 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!

• Welcome Offers
  • Get your card instantly and link it to the “yuu Rewards” App to enjoy welcome rewards worth up to HK$700
  • New credit card customers who apply for the “Card Transaction Installment Plan” after card issuance will receive an extra HK$200 yuu Points rebate
  • Apply for the card and link it to the “yuu Rewards” App on or before 31 October 2025 to upgrade to yuu VIP membership with no extra spending required — enjoy 6x yuu Points at PARKnSHOP, Watsons, and Fortress
  • Existing customers can also enjoy up to HK$300 welcome rewards + yuu VIP membership
• Key Features
  • Enjoy up to 6x yuu Points in “Red Hot Rewards of Your Choice” spending categories, equivalent to 2.4% rebate (HK$4.17 = 1 mile)
  • Up to 6x yuu Points (equivalent to 2.4% rebate)
  • Exclusive Member Discount Days offering up to 8% off
  • Various upgraded privileges, including free online store delivery, birthday rewards, free Watsons professional services (including registered Chinese medicine consultations and makeup services), and exclusive wine events at Watson’s Wine Cellar
• Limited-Time Offers
  • PARKnSHOP: Up to HK$70 in cash or e-coupons
  • Watsons: Up to HK$70 in e-coupons
  • Fortress: Up to extra HK$500 yuu Points and selected items up to 50% off
  • ELECTRICAppliances: Up to HK$150 instant discount and selected items as low as 43% off
  • Watson’s Wine Cellar: Up to HK$80 discount
  • SUPREME and 3HK: Up to extra 18,000 yuu Points for designated plans, with 6-month fee waiver or free upgrade to data usage in Japan
  • hutchgo: Up to HK$100 instant discount
  • From now until 31 July 2025, register for “Red Hot Stamp Card Rewards” via HSBC Reward+ and collect stamps by spending at the above merchants to earn up to extra HK$100 yuu Points
  • Merchant spending offer details: https://www.redhotoffers.hsbc.com.hk/tc/latest-offers/visa-platinum-asw-promotion/moneyback/