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.

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6 Offers Available

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.

Summer Getaway Promotion - Reward 1

Up to HK$2,800 Cash Rebate

Eligible Cardholders with the highest accumulated Eligible Transaction amount during each phase will be entitled to a smartphone (“Prize”), total two winners in the entire Promotion Period. The details are as follows:

Cumulative spending amount on Eligible Transactions in each Phase	Phase one Each Eligible Cardholder is entitled to the reward	Phase two Each Eligible Cardholder is entitled to the reward	Maximum Cash Rebate each Eligible Cardholder can receive throughout the entire Promotion Period
HK$8,000 – below HK$15,000	HK$400 Cash Rebate	HK$400 Cash Rebate	HK$2,800
HKD15,000 – below HKD25,000	HK$800 Cash Rebate	HK$800 Cash Rebate
HK$25,000 or above	HK$1,400 Cash Rebate	HK$1,400 Cash Rebate

The cash rebate for Phase one and Phase two will be automatically credited to the Eligible Credit Card account of the principal cardholder by the Card Issuer on or before 31 October 2025.
Please refer to the Terms and Conditions for details.

Summer Getaway Promotion - Reward 2

Smartphone

Eligible Cardholders with the highest accumulated Eligible Transaction amount during each phase will be entitled to a smartphone (“Prize”), total two winners in the entire Promotion Period. The details are as follows:

Promotion Period	Designated Transaction Periods	Posting dates of Eligible Transactions for Reward 2	Result announcement dates for Reward 2 (to be announced on the sim Credit Card Facebook page)
Phase one	15 May 2025 – 14 June 2025	On or before 17 June 2025	On or before 27 June 2025
Phase two	15 June 2025 – 31 July 2025	On or before 15 August 2025	On or before 22 August 2025

In the event that multiple Eligible Cardholders have the same cumulative total amount of Eligible Transactions made with their Eligible Credit Card within the Promotion Period, priority will be given to the Eligible Cardholder who accumulated the highest total amount of cash advance transactions at the earliest time. The Card Issuer’s computer system record regarding all matters relevant to this Promotion is final and conclusive. Each Eligible Cardholder can only receive Reward 2 once during the entire Promotion Period.
Please refer to the Terms and Conditions for details.

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.

Summer Getaway Promotion - Reward 1

Up to HK$2,800 Cash Rebate

Eligible Cardholders with the highest accumulated Eligible Transaction amount during each phase will be entitled to a smartphone (“Prize”), total two winners in the entire Promotion Period. The details are as follows:

Cumulative spending amount on Eligible Transactions in each Phase	Phase one Each Eligible Cardholder is entitled to the reward	Phase two Each Eligible Cardholder is entitled to the reward	Maximum Cash Rebate each Eligible Cardholder can receive throughout the entire Promotion Period
HK$8,000 – below HK$15,000	HK$400 Cash Rebate	HK$400 Cash Rebate	HK$2,800
HKD15,000 – below HKD25,000	HK$800 Cash Rebate	HK$800 Cash Rebate
HK$25,000 or above	HK$1,400 Cash Rebate	HK$1,400 Cash Rebate

The cash rebate for Phase one and Phase two will be automatically credited to the Eligible Credit Card account of the principal cardholder by the Card Issuer on or before 31 October 2025.
Please refer to the Terms and Conditions for details.

Summer Getaway Promotion - Reward 2

Smartphone

Eligible Cardholders with the highest accumulated Eligible Transaction amount during each phase will be entitled to a smartphone (“Prize”), total two winners in the entire Promotion Period. The details are as follows:

Promotion Period	Designated Transaction Periods	Posting dates of Eligible Transactions for Reward 2	Result announcement dates for Reward 2 (to be announced on the sim Credit Card Facebook page)
Phase one	15 May 2025 – 14 June 2025	On or before 17 June 2025	On or before 27 June 2025
Phase two	15 June 2025 – 31 July 2025	On or before 15 August 2025	On or before 22 August 2025

In the event that multiple Eligible Cardholders have the same cumulative total amount of Eligible Transactions made with their Eligible Credit Card within the Promotion Period, priority will be given to the Eligible Cardholder who accumulated the highest total amount of cash advance transactions at the earliest time. The Card Issuer’s computer system record regarding all matters relevant to this Promotion is final and conclusive. Each Eligible Cardholder can only receive Reward 2 once during the entire Promotion Period.
Please refer to the Terms and Conditions for details.

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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

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