PrimeCredit EarnMORE UnionPay Card for University Student

MoneyHero Exclusive Offer: HK$200 Wellcome Shopping Voucher + HK$100 cash rebate 

• From 31 December 2025 12 p.m. till 30 January 2026 6 p.m., new customers of PrimeCredit Credit Card* who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Welcome Shopping Voucher + HK$100 cash rebate.
• How to redeem MoneyHero exclusive offer?
  • 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 28 February 2026: The card must be approved by Prime Credit, subject to the Bank's system records. Successfully apply for the designated PrimeCredit Credit Card (customers who did not hold any PrimeCredit Credit Card within the past 12 months) via MoneyHero.
  • Within first 30 days after card approval: Have accumulated eligible transactions of HK$100.
• 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 welcome offer. Each eligible customer is entitled to enjoy the welcome offer once only.

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy Double Welcome Rewards, including:

• HK$100 Cash Rebate (No Spending Required);
• Choose ONE of the following welcome offers:
  • PHILIPS RO Water Purifier (ADD6901)
  • Garmin Forerunner 165 GPS Smartwatch
  • HK$500 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
    PHILIPS RO Water Purifier (ADD6901)	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    Garmin Forerunner 165 GPS Smartwatch	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    HK$500 Cash Rebate	Accumulate Eligible Retail Purchase Transactions of HK$8,500 or above using the new card within the first 90 days from card issuance
    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 January 2026 to 31 March 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.

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy Double Welcome Rewards, including:

• HK$100 Cash Rebate (No Spending Required);
• Choose ONE of the following welcome offers:
  • PHILIPS RO Water Purifier (ADD6901)
  • Garmin Forerunner 165 GPS Smartwatch
  • HK$500 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
    PHILIPS RO Water Purifier (ADD6901)	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    Garmin Forerunner 165 GPS Smartwatch	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    HK$500 Cash Rebate	Accumulate Eligible Retail Purchase Transactions of HK$8,500 or above using the new card within the first 90 days from card issuance
    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 January 2026 to 31 March 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.

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy Double Welcome Rewards, including:

• HK$100 Cash Rebate (No Spending Required);
• Choose ONE of the following welcome offers:
  • PHILIPS RO Water Purifier (ADD6901)
  • Garmin Forerunner 165 GPS Smartwatch
  • HK$500 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
    PHILIPS RO Water Purifier (ADD6901)	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    Garmin Forerunner 165 GPS Smartwatch	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    HK$500 Cash Rebate	Accumulate Eligible Retail Purchase Transactions of HK$8,500 or above using the new card within the first 90 days from card issuance
    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 January 2026 to 31 March 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.

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy Double Welcome Rewards, including:

• HK$100 Cash Rebate (No Spending Required);
• Choose ONE of the following welcome offers:
  • PHILIPS RO Water Purifier (ADD6901)
  • Garmin Forerunner 165 GPS Smartwatch
  • HK$500 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
    PHILIPS RO Water Purifier (ADD6901)	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    Garmin Forerunner 165 GPS Smartwatch	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    HK$500 Cash Rebate	Accumulate Eligible Retail Purchase Transactions of HK$8,500 or above using the new card within the first 90 days from card issuance
    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 January 2026 to 31 March 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.

Welcome Offer for New EarnMORE UnionPay Diamond Card Customers

Apply successfully for the EarnMORE UnionPay Diamond Card during the promotion period and enjoy Double Welcome Rewards, including:

• HK$100 Cash Rebate (No Spending Required);
• Choose ONE of the following welcome offers:
  • PHILIPS RO Water Purifier (ADD6901)
  • Garmin Forerunner 165 GPS Smartwatch
  • HK$500 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
    PHILIPS RO Water Purifier (ADD6901)	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    Garmin Forerunner 165 GPS Smartwatch	Accumulate Eligible Retail Purchase Transactions of HK$8,800 or above using the new card within the first 90 days from card issuance
    HK$500 Cash Rebate	Accumulate Eligible Retail Purchase Transactions of HK$8,500 or above using the new card within the first 90 days from card issuance
    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 January 2026 to 31 March 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.

EarnMORE UnionPay Diamond Card – Up to 2% Cash Rebate

• This offer is applicable to all customers holding a valid EarnMORE UnionPay Diamond Card.

• Promotion Period: From 1 January 2026 to 30 June 2026, both dates inclusive.

• Eligible customers can enjoy 2% Cash Rebate on Eligible Retail Purchase Transactions made during the promotion period (including 1% basic cash rebate).

• The additional 1% promotional cash rebate is capped at HK$800 during the promotion period.

• Applicable to all Eligible Retail Purchase Transactions. No registration required.

• Cash rebate is calculated on a per-transaction basis for posted Eligible Retail Purchase Transactions and excludes cash advances, fees and charges, e-wallet top-ups, P2P transfers, instalment transactions, and other non-eligible transactions.

• Cash rebate will be calculated monthly and credited to the credit card account in the next statement cycle.

• If any Eligible Retail Purchase Transaction is cancelled or refunded, PrimeCredit reserves the right to reverse the corresponding cash rebate without prior notice.

• Cash rebate cannot be transferred, exchanged, or redeemed for cash. 

• PrimeCredit reserves the right to amend, suspend, or terminate this programme and its Terms and Conditions at any time, and the decision of PrimeCredit shall be final and binding.
• All offers are subject to Terms and Conditions.