sim Credit Card

sim Credit Card

The sim Credit Card has no income requirement and allows cash advances at various bank ATMs with Mastercard. As a welcome offer, the sim Credit Card provides AirPods 4 with Active Noise Cancellation, streaming service, Google Play™, Emperor Cinemas Movie, Apple Gift Cards, HKTVmall vouchers, and more. The card also offers a first-year annual fee waiver. When used for local transportation or online purchases, it provides up to 8% cashback, and for specified local merchants, there's a 3% cashback, capped at HK$200 per month.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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sim Credit Card Highlights

Annual Fee
HK$ 800
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Cashback Local Merchants
Up to 3  %
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Annual Fee Waiver
First year
Cashback Local Transportation
Up to 8  %
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3 Offers Available
HK$400 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card

+ 1 other gift options

New sim Customers can get MoneyHero Exclusive reward with HK$400 Apple Store Gift Card / HK$400 Wellcome Shopping Voucher

Requirements

  • From 30 April 2025 6 p.m. till 29 May 2025 6 p.m.: Successfully apply for the designated sim Credit Card(s) and submitted redemption form via MoneyHero
  • On or before 30 June 2025: The card must be approved by sim
  • 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
  • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
  • 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 Customer: up to HK$1,800 CashBack
Welcome Offer
New Customer: up to HK$1,800 CashBack

+ 5 other gift options

sim Credit Card Welcome Offer
1. Welcome gift - Up to HK$200 Cash Rebate OR HK$200 Apple Store Gift Card OR HK$200 HKTVmall e-coupon OR HK$200 Matsukiyo Cash Voucher OR HK$500 Netflix Gift Card OR HK$348 Spotify Premium 6 Month E-Voucher OR HK$500 Google Play™ Gift Card OR One Cotai Water Jet round-trip ferry ticket from Hong Kong to Macao (Cotai Class) (Reference Value: HKD440)
2. Please refer to Terms and Conditions for more details.

Mobile Payment Rewards
1. During the promotion period from 27 February 2025 to 30 April 2025, use sim Credit Card to make a non-online Apple Pay or Google Pay transaction to accumulate a specific amount on non-online spending, you can earn up to HKD$350 cashback:
2. Please click here to register & refer to Terms and Conditions for more details.

sim Credit Card CashBack Promotion

1.Upon accumulating a spending of HK$1,000 on Non-Online Eligible Retail Transactions within a calendar month, sim Credit Card and sim World Mastercard® cardholders can enjoy CashBack offer: Up to 8% cashback for Online Spending and 3% cashback for Selected Local Merchants

2.Exclusive Offer for sim Credit Card Cardholders: Up to 8% cashback for Local Transportation

3.Total Monthly CashBack Cap for each Eligible Card is HK$200

4.Please refer to Terms and Conditions for more details.

Travel Bliss Reward
1. From 18 December 2024 to 30 April 2025, simply accumulate eligible transactions at local travel agencies (including travel websites) or airlines with your sim Credit Card and reach the designated amount, you can earn up to HKD$600 cashback in each phase:
a) Phase one: 18 December 2024 to 31 January 2025 (both dates inclusive)
b) Phase two: 1 February 2025 to 28 February 2025 (both dates inclusive)
c) Phase three: 1 March 2025 to 31 March 2025 (both dates inclusive)
d) Phase four: 1 April 2025 to 30 April 2025 (both dates inclusive)
2. Please click here to register & refer to Terms and Conditions for more details.

Complete Identity Verification to get HKD 50 CashBack
Complete the identity verification in sim Credit Card app within 3 hours after submitting your web application and you will receive an additional HKD 50 cash reward. Terms and conditions apply.

sim Credit Card CashBack Promotion

  • Upon accumulating a spending of HKD1,000 on Non-Online Local Eligible Retail Transactions within a calendar month, Eligible Cardholders can enjoy CashBack on designated type of Eligible Retails Transactions with total Monthly CashBack Cap of HK$200.
  • Please refer to Terms and Conditions for more details
Perpetual Annual Fee Waiver for Student at Designated Institutions
Perpetual Annual Fee Waiver for Student at Designated Institutions
Perpetual Annual Fee Waiver for Student at Designated Institutions
  • Perpetual Credit Card Annual Fee Waiver Promotion for Students
  • Only applies to sim Credit Card;
  • was, at the time of the application, attending a full-time programme offered by the accredited education institutions in Hong Kong (see Terms and Conditions)
  • During the Promotion Period, Eligible Cardholders who successfully submit a copy of a valid student identity card during the application for an Eligible Card, which is verified by the Card Issuer, will enjoy a perpetual credit card annual fee waiver. The Card Issuer may request Eligible Cardholders to provide additional documents for identity verification and/or credit processing purposes when deemed necessary.
  • Please refer to Terms and Conditions for more details.
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sim Credit Card Benefits

Cashback

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Cashback Base Rate
0.4  %
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Cashback Local Merchants
Up to 3  %
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Cashback Overseas
0.4  %
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Cashback Local Transportation
Up to 8  %
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Cashback Overseas Online Shopping
8  %
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sim Credit Card More Info

Cashback on all spending, local or overseas
  • Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$500 in the month, a single net transaction of HK$1,000 or more during the month will earn 8% cash rebate for eligible online retail spending)
  • Up to 8% cash rebate for local transportation（Eligible Local Transportation include: CityBus and Cityflyer, KMB, LWB, MTR, Tram and Star Ferry）
  • 3 % cash rate for eligible spending at designated local merchants（Designated local merchant includes： Adidas, Fila, PUMA, @cosme STORE, Matsukiyo HK, Tokyo Lifestyle）
  • Cashback will be capped at HK$200 per month

Terms and Conditions apply: https://www.thesim.com/en/legal
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sim Credit Card Eligibility

Eligibility

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

sim Credit Card Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 800
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Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
HK$ 50  The aggregate of the following items (whichever is higher): - (a) 1% of statement balance; and (b) all finance charges; and (c) instalment amount; and (d) other fees, charges billed, overdue amount and overlimit amount. If full amount is less than HKD50, the minimum payment is the full amount.
Late Payment Charge
HK$ 250
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Retail Purchase APR
46.44  %
Cash Advance APR
47.92  %
Interest Free Period
Up to 53  days, this period does not apply to cash advance transaction.
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sim Credit Card Other Info

Association

Mastercard

Tags

sim Credit Card sim Credit Card

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