PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

The PrimeCredit EarnMore UnionPay Diamond Card offers the first 2 years with no annual fee. Enjoy up to 2% on retail spending with EarnMORE!
Interest on installment plans
0  %
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Cashback Overseas
2  %
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Cashback Online Shopping
2  %
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Cashback Local
2  %
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4 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 2 - Jul 14, 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 31 Aug 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 Jun 30, 2026, to Jul 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.
HK$300 cash rebate
Online Application Extra Cash Rebate Limited-Time Welcome Offer
HK$300 cash rebate

Apply online between 7 July to 31 July 2026 (both dates inclusive) via the designated webpage for the EarnMORE UnionPay Diamond Card, and receive an extra HK$300 cash rebate upon successful card approval.

Promotion Highlights:

  • Online-Exclusive Offer
    Valid for successful applications submitted via MoneyHero during the promotion period.
  • No Spending Requirement
    Enjoy Cash rebate upon Card approval
  • Cash Rebate Credit Timing
    The cash rebate will be credited to your card account within three (3) months after card issuance.
  • New Customers Only
    Customers who currently hold or have held any credit card issued by PrimeCredit (including WeWa Card or EarnMORE Card) within the past 12 months are not eligible for this promotion.
  • Cash Rebate Notes
    The cash rebate is not transferable, assignable, refundable, or redeemable for cash.

Please refer to the Promotion Terms and Conditions for details:

Things to consider

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Foreign txn rebate

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Travel agency offer

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Installment

Cashback

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

Additional benefits

airlines
Airport Lounge Access
3  times
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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.

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement

Fees

Annual Fee Waiver
First 2 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

Association

UnionPay Diamond

Tags

PrimeCredit EarnMORE UnionPay Diamond Card PrimeCredit EarnMORE UnionPay Diamond Card