#Cashback #All Card #Promo

PrimeCredit EarnMORE UnionPay Diamond Card

Updated: 6 Aug 2026
Cashback
PrimeCredit EarnMORE UnionPay Diamond Card
Apply Now
Cashback Local
2%
Cashback Overseas
Up to 8 % cashback
Cashback Overseas
Up to 8 % cashback
Annual Fee
HK$1,500
Supported Payment Network:

Offers

MoneyHero Reward up to HK$3,990

Apply through MoneyHero and choose from 9 premium rewards
Limited time only
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Worth HK$300

Limited time only
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Worth HK$3,690

Limited time only
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Worth HK$2,999

Limited time only
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HK$1,000 Cash Rebate

Limited time only
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Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Plan

Limited time only
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HK$200 Cash Rebate (For Full-Time University / Tertiary Students Only)

Limited time only
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Spend + Installment 4% Rebate

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Earn up to 8% cash rebates on overseas spending

Limited time only
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TenRen’s TEA HK Buy-1-Get-1-FREE Offer

MoneyHero Exclusive Offer
  • New Credit Card Customer: HK$600 Exclusive Welcome Reward

EarnMORE UnionPay Diamond Card Welcome Offer (For New Customers Only)
  • LG AS35GGW20 PuriCare™ AeroHit Air Purifier (PET model) (value of HK$3,690)
  • Dreame F20 Robot Vacuum (valued at HK$2,999)
  • 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)

Installment Program: Double Up your rewards and earn up to 4% rebate
  • Spend + Installment 4% Rebate

Earn up to 8% cash rebates on overseas spending
  • Earn up to 8% cash rebates on overseas spending

TenRen’s TEA Hong Kong Buy-1-Get-1-FREE Offer
  • TenRen’s TEA HK Buy-1-Get-1-FREE Offer

Highlights

Things to Consider

Foreign txn rebate
Travel agency offer
Installment

Pay with EarnMORE UnionPay Credit Card and enjoy 2% direct cash rebate

  • 2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending 

Easy and instant payment with in-app UnionPay QR code function in OmyCard app

  • Enjoy "Hot Deals Patrols" limited-time offers through the app. You can buy popular products at a discounted price.

 

Annual fee waiver for the first 2 years

 

Other things to note

  • Welcome offers Approval 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.
  • Each card can be entitled to a maximum amount of HK$1,500 extra 1% cash rebate during the Promotion Period.
    • The promotion period of 2% year-round rebate is valid from 1 July 2026 to 30 Jun 2027.
  • Selected spending offers
Region Spending with a BNP credit card can enjoy the following offers Promotional period
Mainland China
  • At Bicester Shopping Village, spend RMB 1500 or more with a UnionPay QR code to get an instant RMB 100 discount;
  • At selected merchants such as Haidilao and Zhilefang, spend RMB 300 or more using UnionPay QR codes to get RMB 50 off instantly;
  • At selected merchants like Holiland and RT-Mart, spend RMB 200 or more using UnionPay QR codes to get RMB 30 off;
  • At selected merchants like Nayuki Tea and Lilian Egg Tart, spend RMB 30 using UnionPay QR code to get RMB 10 off instantly. For more details, click here
From now until December 31, 2026
By registering for exclusive UnionPay 'Splendid China' benefits, you can enjoy the following benefits for merchants in Mainland China:
 Airport privilegesSpend RMB1500 or more offline within Mainland China for a chance to enjoy one complimentary airport VIP service within Mainland China. For details, click here From now until December 31, 2026
 Transportation and travel

 

  • Use UnionPay mobile QuickPass/Cloud QuickPass codes to ride the subway in designated cities and enjoy a 50% discount (capped at RMB4). For details, click here
  • Spend RMB1000 or more offline within mainland China for a chance to enjoy one free high-speed rail VIP privilege within mainland China. For details, click here
 Supreme LifestyleSpend RMB500 or more offline within Mainland China to receive a Klook 50% off voucher (up to USD 15). For details, click here
 Chinese cuisine

 

  • Spend RMB350 or more in a single transaction at designated restaurants in Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou for a chance to get an instant RMB 100 discount. Click here for details
  • Dine at designated luxury hotels and restaurants in designated cities such as Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou at designated times, and enjoy exclusive benefits for "buffet and afternoon tea, with two or more people traveling together, one person free." For details, please click here
Japan
  • Spend JPY 50,000 or more in a single transaction at Takashimaya Department Store to get an instant JPY 1,000 off. Click here for details
  • At Chubu Centrair International Airport and New Chitose Airport, spend JPY 10,000 or more in a single transaction to get an instant JPY 400 discount. Click here for details
  • Enjoy an instant JPY 400 discount on a single transaction of JPY 20,000 or more at the designated merchants listed below
    • Haneda Airport, Narita Airport, and Kansai Airport. For details, click here
    • Bicool Appliances, please click here for details
  • Enjoy an instant JPY 400 discount on a single purchase of JPY 30,000 or more at the designated merchants below
    • Alexander & Sun Duty-Free Shop, click here for details
    • LOTTE duty-free shop, details click here
From now until December 31, 2026
Macau Present valid PISA exclusive electronic coupons from the "Preferential Plan" section when shopping at PISA Macau stores using UnionPay cards or UnionPay QR codes to enjoy the following instant discounts:

 

  • Spend MOP 8,000 or more in a single transaction and get MOP 100 off;
  • Spend MOP 20,000 or more in a single transaction and get MOP 300 off instantly;
  • Spend MOP 50,000 or more in a single transaction and get MOP 800 off instantly;
  • Instant MOP 1,600 off for a single net spending of MOP 100,000;

Net spending of MOP 200,000 or more in a single transaction gets MOP 3,500 off instantly. For details, click here

From now until March 31, 2027
Taiwan At Momanton Sportswear standalone stores, pay with UnionPay cards to enjoy a 30% discount on products above 30% off, plus an additional 5% off. For details, click here From now until December 31, 2026

 

Benefits

Cashback Local
2 %
Cashback Overseas
Up to 8 % cashback
Cashback Online Shopping
2 %
Cashback Base Rate
1 %
Cashback Dining
2 %
Cashback Overseas Online Shopping
2 %
Cashback Digital Wallet
2 %
Cashback Forex
2 %
Cashback Octopus Top Up Spending
1 %

Airmiles Local
Not Applicable
Airmiles Overseas
Not Applicable
Airmiles Dining
Not Applicable
Airmiles Octopus Top Up Spending
Not Applicable
Airmiles Local Online Shopping
Not Applicable

Fees & Charges

Annual Fee
HK$ 1,500
Foreign Currency Transaction Fee
1 %

Late Payment Charge
HK$ 320

Eligibility

Min. Annual Income
No Requirement
Minimum Age
18 years old

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Card Benefit
10 %
Up to 8 % cashback
10 %
Cashback Local
4 %
2 %
4 %
Cashback Overseas
10 %
Up to 8 % cashback
10 %
Annual Fee Waiver
First 2 years
First 5 years
First 5 years