#All Card
sim Credit Card
Updated: 17 Aug 2026
Apply Now
Cashback Local Online Shopping
Up to8 %
Cashback Overseas Online Shopping
Up to 8 %
Cashback Local
Up to 8 %
Annual Fee
HK$800 ,first-year annual fee waiver
Supported Payment Network:
Offers
MoneyHero Reward up to HK$4,980
Apply through MoneyHero and choose from 10 premium rewards
MoneyHero Exclusive Offer
- HK$800 Cash Rebate (Deposited via FPS)
- HK$1,000 Apple Store Gift Card
- HK$1,000 Wellcome Shopping Voucher
- 10,000 Max Miles flight miles
- Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980)
- Beyerdynamic AMIRON ZERO Open-Ear Clip Earbuds (valued at HK$1,599)
- Marshall Emberton II Bluetooth Speaker (valued at HK$1,499)
- AirPods 4(valued at HK$1,099)
New SIM Credit Card customers who have accumulated eligible retail transactions of HK$100 within first 30 days after card approval can get MoneyHero Exclusive reward: - HK$1,000 Apple Store Gift Card / HK$1,000 Wellcome Shopping Voucher / 10,000 Max Miles flight miles* / Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980) / Beyerdynamic AMIRON ZERO Open-Ear Clip Earbuds (valued at HK$1,599) / Marshall Emberton II Bluetooth Speaker (valued at HK$1,499) / AirPods 4(valued at HK$1,099).
Requirements
- From 31 August 2026 6p.m. till 30 September 2026 6p.m.: Successfully apply for the designated sim Credit Card(s) and submitted redemption form via MoneyHero
- On or before 31 October 2026: The card must be approved by sim
- Within first 30 days after card approval: Have accumulated eligible retail transactions of HK$100
- *When selecting Max Miles as the exclusive reward, please ensure that the email address registered for the MoneyHero exclusive reward is the same as the email address of the Hey Max account.
Instruction for how to use Max Miles
- Receive the Email: MoneyHero sends you a unique redemption link for Max Miles via email.
- Click the Link: Tap the unique link, which redirects you to the HEYMAX app (prompts download from App Store/Google Play if not installed, or opens the app directly if it is).
- Account Check:
- If you're a new user: You'll see a "MoneyHero gifted you Max Miles" screen with options to log in or sign up.
- If you're an existing user: The app auto-logs you in (if your session is active) and skips to Miles Crediting*.
- Sign Up & Login (for New Users):
- Choose "Sign up" (or log in if you have an account but aren't logged in).
- Enter your email and password, confirm password, or sign up via Google/Apple.
- Agree to the HEYMAX Terms of Use and Privacy Policy.
- Tap "Sign up" to proceed.
- Miles Crediting*: After login or sign-up, you'll see a "Hang tight! We're crediting your Max Miles" screen, confirming the Max Miles are being added to your account.
- Dashboard Access: Once credited, you land on the main dashboard displaying "MoneyHero gifted you Max Miles," showing your new balance and available options.
- Redeem What You Want: From here, explore and choose how to use your miles—such as
- redeeming instant vouchers (e.g. HK$50 Starbucks voucher or HKTVMall voucher)
- transferring 1:1 miles to airline partners (e.g. Cathay Pacific or Qatar Airways, minimum 1,000 miles)
- saving miles for bigger rewards (e.g. a free flight to Japan at 20,000 miles)
- Completion: Your redemption is complete; miles can be used instantly or accumulated for later.
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
Welcome Offer
- HK$200 CashBack/ Apple Store gift card
- HK$500 Netflix Gift Card
The Promotion Period is from 31 August 2026 to 30 September 2026
- Accumulate eligible retail spending of HK$4,000 or above to enjoy the following sim Credit Card Welcome Offer:
Up to HK$200 Cash Rebate OR HK$200 Apple Store Gift Card OR HK$500 Netflix Gift Card
Please refer to Terms and Conditions for more details.
Highlights
- Card Features:
- Welcome offer up to HK$200 CashBack
- Up to 8% CashBack for online spending and local transportation transactions
- First Year's annual fee waiver, Perpetual annual fee waiver for Full-time University/Tertiary Students
- Simple registration for all,no income requirement
- Welcome Offer Details:
- Promotion Period for CashBack Promotion: 1 May 2026 to 30 September 2026
- Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above)
- Overseas Spending: 0.4% basic CashBack
- Local Transportation Spending: 8% CashBack, capped at HK$200 per month* (applicable to Citybus, Cityflyer, KMB, LWB, MTR, Tram and Star Ferry)
- Designated Merchant Spending: 3% CashBack, capped at HK$200 per month* (designated local merchants include: Adidas, matsukiyo HK, PUMA, Fila, Tokyo Lifestyle)
- Eligible Bill Payment Transactions: 2% CashBack, capped at HK$200 per month* (only applicable via sim Credit Card App “Pay Bills/Taxes” service)
- Other Eligible Retail Spending: 0.4% basic CashBack
- *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month
- *Under this CashBack Promotion, each Eligible Card can earn a maximum total of HK$1,000 CashBack during the entire Promotion Period
- *Supplementary card spending will be combined with the principal card account for reward calculation
- *CashBack will be credited to the Eligible Card account in the following calendar month after settlement
- The above promotion is subject to relevant terms and conditions.
- New customers:
- at the time of the application, not currently holding and has not, within the past 12 calendar months from the month of application, cancelled nor held any principal card issued by the Card Issuer;
- at the time of the application, not currently using any loan or credit services of the Card Issuer or maintaining any loan or credit accounts with the Card Issuer and has not, within the past 24 calendar months from the month of application, used any loan or credit services of the Card Issuer or maintained any loan or credit accounts with the Card Issuer.
- Terms and Conditions apply: https://thesim.com/tc/legal
Benefits
Cashback Local Online Shopping
Up to 8 %
Cashback Overseas Online Shopping
Up to 8 %
Cashback Local
Up to 8 %
Cashback Local Transportation
Up to 8 %
Cashback Overseas
0.4 %
Cash Rebate on Mobile Payment
10 %
Airmiles Local
Not Applicable
Airmiles Local Online Shopping
Not Applicable
Fees & Charges
Annual Fee
HK$ 800 first-year annual fee waiver
Foreign Currency Transaction Fee
1.95 %
Late Payment Charge
HK$ 300
Eligibility
Minimum Age
18 years old
Min. Annual Income
No Requirement
View more sim credit cards
simsim World Mastercard®️
Card Benefit
0.4 - 8 % cashback
Cashback Local
Up to 3 %
Cashback Overseas
8 %
Annual Fee Waiver
First year









