Q Credit Card

Last Updated: Jul 2023

Min. Annual Income


Local Spending - Cashback Rate

Spending on Taobao and selected merchants

Overseas Spending - Cashback Rate

HK$1,000 AlipayHK Coupon as Welcome Offer
5% Cash Rebate at selected merchants; 0% Taobao handling fee offer
Annual Fee Waiver
MoneyHero Exclusive Offer

Great for

  • MoneyHero Limited-Time Exclusive Offer

    • New Customers get rewarded with HK$900 Apple Store Gift Card by fulfilling the following requirements:
    Important Dates Requirements

    From now till 31 July 2023

    New Customers who successfully apply for Q Credit Card via MoneyHero

    Within 7 days of receiving the form Submit the reward redemption form sent via email previously.
    On or before 31 August 2023 The card must be approved by Standard Chartered Bank, subject to the Bank’s system records.
    • Tips:
      • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
      • Application must be made through this Entrance:Click “≡” button on the top left corner of AlipayHK App Homepage → “Q Credit Card”) and fill in the "Application Reference Number" in MoneyHero Rewards Redemption Form. Otherwise, the application will be considered invalid.
      • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
      • Terms and Conditions Apply.
  • Welcome Offer – HK$1,000 AlipayHK Coupons

    • Merchant and Taobao Payment Reward of HK$800: consists of sixteen HK$50 coupons
    • Physical Card Activation Reward of HK$200: consists of four HK$50 Coupons. No minimum spending amount required.
  • New Cardholders can enjoy 5% Cash Rebate at selected merchants with Q Credit Card.

    • Selected merchants including Taobao, Trip.com, Agoda, KK day and Taobao official logistics platform (for example Cainiao Smart Logistics network (Hong Kong) Limited), Sun Yiu Transportation Company Limited, Buy Up Express Company Limited, Early Bird Logistics Company Limited, Group n Ship Limited, HK Ship Express Limited, 4PX Express Ltd, GoGo Tech Limited, POINT2POINT.HK Limited, Dimbuy.com Company Limited, Giants HK Limited.
    • Only for customers approved between 2 May to 30 June 2023
    • Promotion period is from 2 May to 31 December 2023
  • Up to 1% Cash Rebate on daily spending

    • 1% Cash Rebate for eligible transactions excluding any transactions made via AlipayHK App
    • 0.75% Cash Rebate for eligible transactions via AlipayHK App (Total maximum monthly amount of Eligible Transactions per Card within the Promotion Period is HK$13,000)
    • No minimum spending requirements & registration is required
    • Card should be applied and be approved by 31 August 2023
    • Promotion period is from 6 April to 31 December 2023
  • 0% Taobao handling fee offer
    • No registration is required and enjoy for first 5 transactions each month

Need to know

  • Welcome Offer:
    • Eligibility: who have successfully applied for the Q Credit Card for the first time, card approved within promotion period and who have never redeemed any “Q Credit Card Welcome Reward” of AlipayHK via the AlipayHK Mobile Application
    • Merchant and Taobao Payment Reward of HK$800: upon card approval within promotion period.
    • Physical Card Activation Reward of HK$200: upon card approval within promotion period and the first physical card payment being completed successfully.
    • Each HK$50 coupon is applicable for all platforms accepting the AlipayHK App for payment, including eligible merchant outlets and for bill payment via the AlipayHK App or Taobao/Tmall Platform via Q Credit Card in Taobao App upon a single net transaction of HK$120 or above.

Year-round rewards

Local Spending
Overseas Spending


Minimum Age
18 years old
Min. Annual Income


Annual fee
Waived permanently
Foreign Currency Transaction Fee


Minimum Payment
All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher.
Late payment charge
Either 5% of the Outstanding Balance (subject to a minimum cap of HK$220 and a maximum cap of HK$350) or the Minimum Payment Due, whichever is lower.
Retail Purchase APR
35.7% (0.0914% per day)
Cash Advance APR
35.93% (0.0847% per day)
Interest Free Repayment Period
Up to 56 days

Other information

Credit card type
Visa Platinum

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