PrimeCredit EarnMORE UnionPay Card for University Student

PrimeCredit EarnMORE UnionPay Card for University Student

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Benefits
Quick Facts
More Info
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Eligibility
Fees
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Highlights

Cashback Local
2  %
info
Min. Annual Income
No Requirement
Annual Fee
HK$ 1,500
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Annual Fee Waiver
First 5 years
Card benefit
Up to  % cashback
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5 Offers Available
New Credit Card Customer: HK$600 Exclusive Welcome Reward
MoneyHero Exclusive Offer
New Credit Card Customer: HK$600 Exclusive Welcome Reward

MoneyHero Exclusive Offer: HK$600 Exclusive Welcome Reward 

  • From Jul 31 - Aug 31, 2026 (both days inclusive), new PrimeCredit credit card* customers who successfully apply for EarnMORE UnionPay Credit Card / WeWa Credit Card through MoneyHero are eligible to receive a MoneyHero exclusive offer consisting of
    • HK$300 Wellcome shopping voucher (provided by MoneyHero) + HK$300 cash rebate (provided by PrimeCredit)

 How to redeem the MoneyHero exclusive offer - a HK$300 Wellcome shopping voucher (provided by MoneyHero)

  • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
  • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
  • On or before 30 Sept 2026: The card must be approved by PrimeCredit, subject to issuer’s system records.
  • No spending requirement

How to receive the MoneyHero exclusive offer - HK$300 cash rebate (provided by PrimeCredit)

  • From Jul 31, 2026, to Aug 31, 2026 (inclusive), successfully apply for EarnMORE UnionPay Credit Card / WeWa credit card through MoneyHERO and enjoy an extra HK$300 cash rebate with no spending required!
  • The cash rebate will be credited to your credit card account within 3 months of card issuance.
  • Tips:
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
    • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

New customers of PrimeCredit Credit Card*: Customers who currently hold or have held, at any time within the past 12 months, any PrimeCredit Credit Card issued by PrimeCredit Limited (“PrimeCredit”) are not eligible for any exclusive offer. Each eligible customer is entitled to enjoy the welcome offer once only.

LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) (value of HK$3,690)
EarnMORE UnionPay Diamond Card Welcome Offer (For New Customers Only)
LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) (value of HK$3,690)

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy:

  • Choose ONE of the following welcome offers:
    • LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) 
    • Dreame F20 Robot Vacuum 
    • HK$1,000 Cash Rebate
    • Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan
    • HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)
      Welcome Offer Eligible Retail Purchase Transaction Requirement
      LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model)  Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
      Dreame F20 Robot Vacuum 
      HK$1,000 Cash Rebate

      Accumulate Eligible Retail Purchase Transactions of:

      1.  HK$12,000 or above : HK$1,000 Cash Rebate
      2. HK$7,000 – HK$11,999.99 : HK$500 Cash Rebate
      Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan No spending requirement
      HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only) Accumulate Eligible Retail Purchase Transactions of HK$2,000 or above using the new card within the first 90 days from card issuance

  • Promotion Period: From 1 July 2026 to 31 December 2026, both dates inclusive.

  • The welcome offer is only applicable to customers who successfully apply for the EarnMORE UnionPay Diamond Card through designated channels during the promotion period.

  • New Customer Definition: Customers who do not currently hold and have not held any credit card issued by PrimeCredit Limited (“PrimeCredit”) within the past 12 months.

  • Each eligible customer is entitled to enjoy the welcome offer once only.

  • For full details, please refer to the Terms and Conditions.
Dreame F20 Robot Vacuum (valued at HK$2,999)
EarnMORE UnionPay Diamond Card Welcome Offer (For New Customers Only)
Dreame F20 Robot Vacuum (valued at HK$2,999)

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy:

  • Choose ONE of the following welcome offers:
    • LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) 
    • Dreame F20 Robot Vacuum 
    • HK$1,000 Cash Rebate
    • Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan
    • HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)
      Welcome Offer Eligible Retail Purchase Transaction Requirement
      LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model)  Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
      Dreame F20 Robot Vacuum 
      HK$1,000 Cash Rebate

      Accumulate Eligible Retail Purchase Transactions of:

      1.  HK$12,000 or above : HK$1,000 Cash Rebate
      2. HK$7,000 – HK$11,999.99 : HK$500 Cash Rebate
      Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan No spending requirement
      HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only) Accumulate Eligible Retail Purchase Transactions of HK$2,000 or above using the new card within the first 90 days from card issuance

  • Promotion Period: From 1 July 2026 to 31 December 2026, both dates inclusive.

  • The welcome offer is only applicable to customers who successfully apply for the EarnMORE UnionPay Diamond Card through designated channels during the promotion period.

  • New Customer Definition: Customers who do not currently hold and have not held any credit card issued by PrimeCredit Limited (“PrimeCredit”) within the past 12 months.

  • Each eligible customer is entitled to enjoy the welcome offer once only.

  • For full details, please refer to the Terms and Conditions.
HK$1,000 Cash Rebate
EarnMORE UnionPay Diamond Card Welcome Offer (For New Customers Only)
HK$1,000 Cash Rebate

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy:

  • Choose ONE of the following welcome offers:
    • LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) 
    • Dreame F20 Robot Vacuum 
    • HK$1,000 Cash Rebate
    • Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan
    • HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)
      Welcome Offer Eligible Retail Purchase Transaction Requirement
      LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model)  Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
      Dreame F20 Robot Vacuum 
      HK$1,000 Cash Rebate

      Accumulate Eligible Retail Purchase Transactions of:

      1.  HK$12,000 or above : HK$1,000 Cash Rebate
      2. HK$7,000 – HK$11,999.99 : HK$500 Cash Rebate
      Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan No spending requirement
      HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only) Accumulate Eligible Retail Purchase Transactions of HK$2,000 or above using the new card within the first 90 days from card issuance

  • Promotion Period: From 1 July 2026 to 31 December 2026, both dates inclusive.

  • The welcome offer is only applicable to customers who successfully apply for the EarnMORE UnionPay Diamond Card through designated channels during the promotion period.

  • New Customer Definition: Customers who do not currently hold and have not held any credit card issued by PrimeCredit Limited (“PrimeCredit”) within the past 12 months.

  • Each eligible customer is entitled to enjoy the welcome offer once only.

  • For full details, please refer to the Terms and Conditions.
Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan
EarnMORE UnionPay Diamond Card Welcome Offer (For New Customers Only)
Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy:

  • Choose ONE of the following welcome offers:
    • LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) 
    • Dreame F20 Robot Vacuum 
    • HK$1,000 Cash Rebate
    • Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan
    • HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)
      Welcome Offer Eligible Retail Purchase Transaction Requirement
      LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model)  Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
      Dreame F20 Robot Vacuum 
      HK$1,000 Cash Rebate

      Accumulate Eligible Retail Purchase Transactions of:

      1.  HK$12,000 or above : HK$1,000 Cash Rebate
      2. HK$7,000 – HK$11,999.99 : HK$500 Cash Rebate
      Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan No spending requirement
      HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only) Accumulate Eligible Retail Purchase Transactions of HK$2,000 or above using the new card within the first 90 days from card issuance

  • Promotion Period: From 1 July 2026 to 31 December 2026, both dates inclusive.

  • The welcome offer is only applicable to customers who successfully apply for the EarnMORE UnionPay Diamond Card through designated channels during the promotion period.

  • New Customer Definition: Customers who do not currently hold and have not held any credit card issued by PrimeCredit Limited (“PrimeCredit”) within the past 12 months.

  • Each eligible customer is entitled to enjoy the welcome offer once only.

  • For full details, please refer to the Terms and Conditions.
HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)
EarnMORE UnionPay Diamond Card Welcome Offer (For New Customers Only)
HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy:

  • Choose ONE of the following welcome offers:
    • LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) 
    • Dreame F20 Robot Vacuum 
    • HK$1,000 Cash Rebate
    • Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan
    • HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)
      Welcome Offer Eligible Retail Purchase Transaction Requirement
      LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model)  Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
      Dreame F20 Robot Vacuum 
      HK$1,000 Cash Rebate

      Accumulate Eligible Retail Purchase Transactions of:

      1.  HK$12,000 or above : HK$1,000 Cash Rebate
      2. HK$7,000 – HK$11,999.99 : HK$500 Cash Rebate
      Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan No spending requirement
      HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only) Accumulate Eligible Retail Purchase Transactions of HK$2,000 or above using the new card within the first 90 days from card issuance

  • Promotion Period: From 1 July 2026 to 31 December 2026, both dates inclusive.

  • The welcome offer is only applicable to customers who successfully apply for the EarnMORE UnionPay Diamond Card through designated channels during the promotion period.

  • New Customer Definition: Customers who do not currently hold and have not held any credit card issued by PrimeCredit Limited (“PrimeCredit”) within the past 12 months.

  • Each eligible customer is entitled to enjoy the welcome offer once only.

  • For full details, please refer to the Terms and Conditions.
Spend + Installment 4% Rebate
Installment Program: Double Up your rewards and earn up to 4% rebate
Spend + Installment 4% Rebate

Earn up to 4% Rebate: Spend & Installment Promotion

From now until June 30, 2027, you can maximize your rewards by following these two steps:

1. Spending (Basic 2% Rebate)

  • Requirement: Make a single eligible retail transaction of HK$1,500 or more.
  • Reward: Earn the standard EarnMORE rebate of up to 2% (composed of 1% basic cashback + 1% bonus cashback).

2. Installment (Extra 2% Rebate)

  • Requirement: Apply for a "Spending Installment" of 6 months or longer via the OmyCard App for that specific transaction.
  • Eligibility Period: The installment must be successfully processed before June 30, 2027.
  • Reward: Earn an additional 2% cash rebate.
  • Terms and conditions apply.
Earn up to 8% cash rebates on overseas spending
Earn up to 8% cash rebates on overseas spending
Earn up to 8% cash rebates on overseas spending

From now until October 31, 2026, EarnMORE UnionPay credit card customers who accumulate foreign currency spending of HK$1,800 or above in each of the overseas regions listed in Offer 1 and Offer 2 and in each phase will enjoy up to 8% cash rebate!

Offer 1

  • Mainland China: Any purchase Up to 2% Additional cash rebates + Up to 6% Altogether, they may be enjoyed Up to 8%

Offer 2

  • Taiwan and Macau: Any purchase Up to 2% Additional cash rebates + Up to 6% Altogether, they may be enjoyed Up to 8%
  • Other overseas regions: Any purchase Up to 2% Additional cash rebates + Up to 3% Altogether, they may be enjoyed Up to 5%

 

  1. Offers are subject to terms and conditions.
  2. You can register for the above offers > "WeWa Club" > "Spending Discounts" in the OmyCard App. Registration will automatically qualify you for Offer 1 and Offer 2.
  3. The additional cash rebate is only applicable to retail transactions made using physical cards, Apple Pay, OmyCard mobile app UnionPay QR code payments, UnionPay mobile QuickPass, or UnionPay QR code payments within the Cloud QuickPass app, and conducted in local currency (excluding online transactions).
  4. During the promotion period, each customer can receive up to HK$300 in extra cash rebate for each phase of Offer 1 and Offer 2, totaling HK$600 per phase, with a maximum of HK$2,400 for the entire promotion period. For details of Offer 1, please click here; For details on Offer 2, please click here.
    Promotion period Maximum additional cash rebate for eligible spending
    Offer 1: Mainland China Offer 2: Taiwan, Macau, and other overseas regions
    Phase One From July 15, 2026 to July 31, 2026 HK$300 HK$300
    Phase Two From August 1, 2026 to August 31, 2026 HK$300 HK$300
    Stage three From September 1, 2026 to September 30, 2026 HK$300 HK$300
    Stage Four From October 1, 2026 to October 31, 2026 HK$300 HK$300
  5. For instructions on how to bind your Anxin UnionPay credit card in the Cloud QuickPass app, please click here.
  6. EarnMORE UnionPay credit card offers up to 2% cash rebate on any purchase, including 1% unlimited basic cash rebate and 1% additional cash rebate. For details about EarnMORE UnionPay credit card cash rebates, please click here.
TenRen’s TEA HK Buy-1-Get-1-FREE Offer
TenRen’s TEA Hong Kong Buy-1-Get-1-FREE Offer
TenRen’s TEA HK Buy-1-Get-1-FREE Offer

Enjoy Buy 1 Get 1 FREE at TenRen's TEA Hong Kong with EarnMORE & WeWa Credit Cards

From 20 August to 19 September 2026, EarnMORE and WeWa Credit Cardholders can enjoy a Buy 1 Get 1 FREE offer on any medium-sized tea drink at participating TenRen's TEA Hong Kong outlets.

Offer Details

  • Buy any medium-sized tea drink and get another one FREE
  • Valid at participating TenRen's TEA Hong Kong outlets
  • Excludes Admiralty, Eslite, YATA, UNY and AEON branches
  • Payment must be made with an EarnMORE or WeWa Credit Card

Things to Note

  • Limited to 8,000 free drinks on a first-come, first-served basis
  • Offer is limited to one redemption per cardholder per day
  • The free drink must be the same item (including hot/cold option, ice level and sweetness) and redeemed in the same transaction
  • Cannot be used in conjunction with other promotions, discounts, vouchers, staff or membership offers
  • For full details, please refer to the promotion terms and conditions.
 

Things to consider

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Foreign txn rebate

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Travel agency offer

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Installment

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Benefits

Cashback

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Cashback Base Rate
1  %
location_on
Cashback Local
2  %
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flight
Cashback Overseas
Up to 8  % cashback
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restaurant
Cashback Dining
2  %
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shopping_bag
Cashback Overseas Online Shopping
2  %
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shopping_bag
Cashback Local Online Shopping
2  %
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account_balance_wallet
Cashback Digital Wallet
2  %
Cashback Octopus Top Up Spending
1  %
paid
Cashback Forex
2  %

Additional Benefits

airlines
Airport Lounge Access
3  times
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Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement
local_atm

Fees

Fees

Annual Fee Waiver
First 5 years
Annual Fee
HK$ 1,500
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Foreign Currency Transaction Fee
1  %

Repayment

Minimum Payment
HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late Payment Charge
HK$ 320
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Retail Purchase APR
35.95  %
Cash Advance APR
35.96  %
Interest Free Period
53  days
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Others Info

Association

UnionPay Diamond

Tags

PrimeCredit EarnMORE UnionPay Card for University Student PrimeCredit EarnMORE UnionPay Card for University Student

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