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 streaming service, Google Play™, 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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Cashback Local Transportation
Up to 8  %
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Annual Fee Waiver
First year
2 Offers Available
HK$600 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$600 Apple Store Gift Card

+ 1 other gift options

New sim Customers can get MoneyHero Exclusive reward with HK$600 Apple Store Gift Card / HK$600 Wellcome Shopping Voucher

Requirements

  • From 31 October 2025 6 p.m. till 01 December 2025 6 p.m.: Successfully apply for the designated sim Credit Card(s) and submitted redemption form via MoneyHero
  • On or before 01 January 2026: The card must be approved by sim
  • Within first 30 days after card approval: Have accumulated eligible retail 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
Up to HKD100,000 6-Month Interest-Free and Fee-Waived Cash Instalment Plan
Welcome Offer
Up to HKD100,000 6-Month Interest-Free and Fee-Waived Cash Instalment Plan

+ 4 other gift options

  • sim Credit Card Welcome Offer
    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 
    Please refer to Terms and Conditions for more details.

 

  • Up to HK$100,000 6-Month Interest-Free & Handling Fee Waiver Cash Instalment Plan
    Successful applicants of sim Credit Card / sim World Mastercard® may enjoy a cash advance of up to HK$100,000 (or 95% of the credit limit), repayable over 6 months with no interest or handling fees. Funds will be credited via FPS to the designated bank account within 6 business days upon approval. Cardholders must settle the monthly instalment repayment in full and on time. Any late or partial repayment will incur interest and charges in accordance with the credit card agreement. Welcome offer quotas are limited. The issuer reserves the right of final approval and to amend the offer.
  • All offers are subject to the relevant terms and conditions.
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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 online

  • Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$1,000 in the month, Eligible Online Retail Transactions with a single net transaction of HK$500 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 rebate 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

“Eligible Retail Transactions” shall not include cash advance transactions, payments of any Fees and Charges of a Card (e.g. annual fees, interest or finance charges, late charges, over-the-limit handling charges, cash advance handling fees and other charges), payment to the Inland Revenue Department and/or any other relevant authorities, tolls, road and bridge fees, online bill payment or utilities bill or all payments to and/or transactions with any insurance company (including but not limited to insurance premium payment), all donation and/or payment to any charitable or social service organizations, purchase of any cash coupon or cash voucher, payments for any unit trusts or mutual funds, casino transactions (including but not limited to gambling transactions), any money or electronic money transfer (including but not limited to transfers via person to person (P2P) payment services or mobile device, application, electronic funds transfer platform), reload/ transfer/ payment transactions made via or in relation to electronic wallets (including but not limited to Alipay, WeChat Pay, PayMe), reload of stored value accounts, Octopus top-up transactions by any means (including but not limited to Automatic Add Value Service (AAVS), online or through mobile), cash withdrawal, loan on Card, instalment amount, unposted transactions, cancelled transactions, returned transactions, counterfeit transactions or any other unauthorized transactions. The Card Issuer’s records with respect to the Eligible Cardholder on the amount of Eligible Retail Transactions accumulated from time to time are conclusive and binding on the Eligible Cardholder. All Eligible Retail Transactions shall be determined based on the merchant codes assigned by the related card associations worldwide and the Card Issuer, which may be varied from time to time without prior notice. If there is any dispute regarding any Eligible Retail Transactions, the decision of the Card Issuer shall be final and conclusive.

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sim Credit Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement
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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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