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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 Apple Gift Cards, HKTVmall vouchers, and more. The card also offers a first-year annual fee waiver. When used for online purchases, it provides up to 8% cashback, and for specified local merchants and restaurants, there's a 3% cashback, capped at HK$200 per month.
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Highlights

Annual Fee
HK$ 800
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Cashback Local
3  %
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Annual Fee Waiver
First year
Cashback Local Online Shopping
8  %
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3 Offers Available
HK$300 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$300 Apple Store Gift Card

+ 1 other gift options

MoneyHero Time-limited Exclusive Offer

  • Use the promo code 「MHSIM」to apply 「sim Credit Card」via MoneyHero to get HK$300 Apple Store Gift Card or HKTVmall e-coupon, no transaction required
  • From 31 January 2024 12 noon till 29 February 2024 6 p.m.: New Cardholders who have successfully applied and activated the card can get HK$300 Apple Store Gift Card OR HKTVmall e-coupon without any transaction requirement
  • Successfully complete the reward form within 7 days after applying
  • By 31 March 2024: Application successfully approved
  • MoneyHero Limited-Time Exclusive Offer is applicable to all new card holders
  • How to redeem MoneyHero exclusive offer?
    • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, sim Credit Card has no relation with its redemption, usage and dispute
    • Terms and Conditions apply
HK$500 Apple Store Gift Card
Welcome gift - HK$500 Apple Store Gift Card / HKTVmall e-coupon
HK$500 Apple Store Gift Card

+ 1 other gift options

Welcome gift - HK$ 500 Apple Store Gift Card / HKTVmall e-coupon
  • New Cardholders, upon accumulating eligible retail transactions, can enjoy the following welcome gift:
  • New Cardholders can enjoy HK$500 Apple Store Gift Card / HKTVmall e-coupon on any eligible transactions within the first 2 months upon the card issuance. Terms and conditions apply.
    • Spending requirement for sim Credit Card : With accumulated amount of HK$7,000
HK$50 Cash Rebate
3 Hour Time-limited Offer
HK$50 Cash Rebate
  • Download the sim Credit Card app and complete the verification process within 3 hours after successfully submitting the card application to enjoy HK$50 Cash Rebate within 3 months after card approval and activation
  • The 3 hour count starts after successfully submitting the card application
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Benefits

Cashback

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Cashback Base Rate
0.4  %
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Cashback Local
3  %
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flight
Cashback Overseas
0.4  %
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shopping_bag
Cashback Local Online Shopping
8  %
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Cashback Overseas Online Shopping
8  %
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More Info

Cashback on all spending, local or overseas
  • 8% cashback for online retail spending
  • 3 % cash rate for eligible spending at designated local merchants(Designated local merchant includes: Adidas, Fila, PUMA, Sushiro, @cosme STORE, Matsumoto Kiyoshi, Reebok, 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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Eligibility

Eligibility

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

Association

Mastercard

Tags

sim Credit Card sim Credit Card