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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Annual Fee Waiver
First year
Cashback Local Transportation
Up to 8  %
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4 Offers Available
HK$200 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$200 Apple Store Gift Card

+ 1 other gift options

New sim Customers can get MoneyHero Exclusive reward with HK$200 Apple Store Gift Card / HK$200 Wellcome Shopping Voucher

Requirements

  • From 02 July 2025 12 p.m. till 31 July 2025 6 p.m.: Successfully apply for the designated sim Credit Card(s) and submitted redemption form via MoneyHero
  • On or before 31 August 2025: 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
Perpetual Annual Fee Waiver for Student at Designated Institutions
Perpetual Annual Fee Waiver for Student at Designated Institutions
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.
Up to HK$2,800 Cash Rebate
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.
Smartphone
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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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
local_atm

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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