#All Card

sim Credit Card

Updated: 17 Aug 2026
Cashback
sim Credit Card
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
Limited time only
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Worth HK$800

Limited time only
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Worth HK$1,000

Limited time only
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Worth HK$1,000

Limited time only
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10,000 Max Miles flight miles

Limited time only
gift logo

Worth HK$4,980

Limited time only
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Worth HK$1,599

Limited time only
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Worth HK$1,499

Limited time only
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Worth HK$1,099

Limited time only
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HK$200 CashBack/ Apple Store gift card

Limited time only
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HK$500 Netflix Gift Card

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)

Welcome Offer
  • HK$200 CashBack/ Apple Store gift card
  • HK$500 Netflix Gift Card

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

sim World Mastercard®️
simsim World Mastercard®️
Apply Now
Card Benefit
0.4 - 8 % cashback
Cashback Local
Up to 3 %
Cashback Overseas
8 %
Annual Fee Waiver
First year