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$200 per month.
Annual Fee
HK$ 800
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Cashback Local
Up to 3  %
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Annual Fee Waiver
First year
Cashback Local Online Shopping
Up to 8  %
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5 Offers Available
HK$600 Apple Store Gift Card + HK$50 cash rebate*
MoneyHero Exclusive Offer
HK$600 Apple Store Gift Card + HK$50 cash rebate*

+ 1 other gift options

MoneyHero Time-limited Exclusive Offer

  • From 6 December 2024 6 pm till 3 January 2025 6 p.m.: New 「sim Credit Card」Cardholders who have successfully applied and activated physical card via MoneyHero to get HK$600 Apple Store Gift Card OR HK$600 Wellcome Shopping Voucher without any transaction requirement.
  • *Complete digital ID verification within 3 hours after application: additional HK$50 Cash Rebate (provided by sim)
  • Successfully complete the reward form within 7 days after applying
  • By 3 February 2025: 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
    • 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
New Customer: Up to HK$1,870 CashBack
X’mas Limited Cashback Promotion
New Customer: Up to HK$1,870 CashBack

X'mas Flash Offer Promotion

During the promotion period from 5 December to 31 December 2024, simply use sim Credit Card to accumulate specific amount on non-online spending, you can earn up to HK$800 cashback. Limited quota. First come, first served, while quotas last.

  1. Subject to Clause 4 below, Eligible Cardholders are required to meet the following requirements in order to qualify for participation in the Promotion:  

    (a) registration must be completed successfully within the Promotion Period on the designated webpage (https://thesim.com/tc/campaign/XMAS_FLASH_OFFER) of the "sim Credit Card" website (www.thesim.com);

    (b) a correct mobile phone number must be provided during the registration for this Promotion. The record of the Card Issuer’s computer system shall be final and conclusive.

  2. The first 2,000 Eligible Cardholders who successfully accumulate the Eligible Transactions reaching the net amount of HKD10,000 or more during the Promotion Period with their Eligible Credit Cards will be entitled to HKD300 cashback. Additionally, the first 1,000 Eligible Cardholders who successfully accumulate the Eligible Transactions reaching the net amount of HKD20,000 or more during the Promotion Period with their Eligible Credit Cards will be entitled to HKD500 cashback. The details are as follows:

Cumulative Amount of Non-online Transactions reaching below designated net amount

Maximum Cashback Amount

Quota

Maximum Cashback Amount throughout the entire Promotion Period

HK$10,000 or more

HK$300

first 2000

HK$800

HK$20,000 or more

HK$500

first 1000


The above promotion shall be subject to the relevants terms and conditions, please click here

sim Cashback reward up to HK$1,870

CashBack Reward*New CustomerExisting Customer
X'mas Flash offerUp to HK$800Up to HK$800
Designated Local Merchants SpendingHK$200/ per monthHK$200/ per month
Cashback of up to 6%, whether you use Apple Pay or Google PayUp to HK$120Up to HK$120
Welcome Offer - CashBackUp to HK$700
Complete digital ID verification within 3 hours after applicationHK$50
Cashback Up toUp to HK$1,870Up to HK$1,120

Existing Customer: Up to HK$1,120 CashBack
X’mas Limited Cashback Promotion
Existing Customer: Up to HK$1,120 CashBack

X'mas Flash Offer Promotion

During the promotion period from 5 December to 31 December 2024, simply use sim Credit Card to accumulate specific amount on non-online spending, you can earn up to HK$800 cashback. Limited quota. First come, first served, while quotas last.

  1. Subject to Clause 4 below, Eligible Cardholders are required to meet the following requirements in order to qualify for participation in the Promotion:  

    (a) registration must be completed successfully within the Promotion Period on the designated webpage (https://thesim.com/tc/campaign/XMAS_FLASH_OFFER) of the "sim Credit Card" website (www.thesim.com);

    (b) a correct mobile phone number must be provided during the registration for this Promotion. The record of the Card Issuer’s computer system shall be final and conclusive.

  2. The first 2,000 Eligible Cardholders who successfully accumulate the Eligible Transactions reaching the net amount of HKD10,000 or more during the Promotion Period with their Eligible Credit Cards will be entitled to HKD300 cashback. Additionally, the first 1,000 Eligible Cardholders who successfully accumulate the Eligible Transactions reaching the net amount of HKD20,000 or more during the Promotion Period with their Eligible Credit Cards will be entitled to HKD500 cashback. The details are as follows:

Cumulative Amount of Non-online Transactions reaching below designated net amount

Maximum Cashback Amount

Quota

Maximum Cashback Amount throughout the entire Promotion Period

HK$10,000 or more

HK$300

first 2000

HK$800

HK$20,000 or more

HK$500

first 1000


The above promotion shall be subject to the relevants terms and conditions, please click here

sim Cashback reward up to HK$1,870

CashBack Reward*New CustomerExisting Customer
X'mas Flash offerUp to HK$800Up to HK$800
Designated Local Merchants SpendingHK$200/ per monthHK$200/ per month
Cashback of up to 6%, whether you use Apple Pay or Google PayUp to HK$120Up to HK$120
Welcome Offer - CashBackUp to HK$700
Complete digital ID verification within 3 hours after applicationHK$50
Cashback Up toUp to HK$1,870Up to HK$1,120

Up to 8% Cash Rebate
Limited CashBack Promotion
Up to 8% Cash Rebate
  • During the promotion period, eligible cardholder can receive up to 8 % cash rebates for the following types of eligible retail transactions made with an eligible Card (sim Credit Card / sim World Mastercard):
  • Types of Eligible Retail TransactionsRebate Percentages on the Amount of SpendingMonthly CashBack Cap per each Eligible Card Account
    Eligible Retail Transactions at Designated Local Merchants^3%HK$200
    Other Eligible Retail Transactions0.4%
    Eligible Online Retail Transactions*Up to 8%
  • *Upon accumulating a spending of HK$500 for non- Online Eligible Retail Transactions in a calendar month, any single Eligible Online Retail Transactions in of the amount of HK$500 or above in the calendar month

  • ^Designated Local Merchants: Adidas / @cosme STORE / Fila / Matsukiyo HK / PUMA / Reebok / Sugidama HK / Tokyo Lifestyle
  • Promotion Period: from 1 August 2024 to 31 December 2024
  • Please refer to the Terms and Conditions for details
EIGHT Emperor Cinemas Movie e-Vouchers (Reference Value: HKD1,120)
Welcome gift
EIGHT Emperor Cinemas Movie e-Vouchers (Reference Value: HKD1,120)

+ 4 other gift options

Welcome gift - EIGHT Emperor Cinemas Movie e-Vouchers / HK$200 Cash Rebate / Apple Store Gift Card / HKTVmall e-coupon / Matsukiyo Cash Voucher
  • New Cardholders, upon accumulating eligible retail transactions, can enjoy the following welcome gift:
  • New Cardholders can enjoy HK$200 Cash Rebate / Apple Store Gift Card / HKTVmall e-coupon / Matsukiyo Cash Voucher on any eligible transactions within the first 90 days upon the card issuance. Terms and conditions apply.
    • Spending requirement for sim Credit Card : With accumulated amount of HK$5,000
  • New Cardholders can enjoy EIGHT Emperor Cinemas Movie e-Voucher(Reference Value: HKD1,120) on any eligible transactions within the first 90 days upon the card issuance. Terms and conditions apply.
      Spending requirement for sim Credit Card : With accumulated amount of HK$10,000

Cashback of up to 6%, whether you use Apple Pay or Google Pay
Limited CashBack Promotion
Cashback of up to 6%, whether you use Apple Pay or Google Pay
sim Credit Card x Google Pay & Apple Pay Promotion
  • Promotional Period: 22 October 2024 to 31 December 2024 
    • Phase 1: 22 October to 30 November 2024

    • Phase 2: 1 December to 31 December 2024

      Cumulative Amount of Non-online Google Pay/ Apple Pay Purchases reaching below designated amount in each phaseMaximum Cashback% for Non-online Google Pay/ Apple Pay Transactions with a single net purchase amount of HKD100 or more in each phaseMaximum Cashback Amount in each phaseMaximum Cashback Amount throughout the entire Promotion Period
      Phase 1: HKD$2,000 or above10%HKD$200HKD$320
      Phase 2: HKD$2,000 or above6%HKD$120

  • For event details: events webpage
  • During the promotion period from 22 October to 31 December 2024, simply use sim Credit Card to accumulate HKD2,000 or more non-online Google Pay/ Apple Pay purchases in individual phases, you can earn up to 10% cashback on non-online Google Pay/ Apple Pay transactions with a single net purchase amount of HKD100 or more.

  • The reward(s) will be automatically awarded to the Eligible Credit Card account of the principal cardholder by the Card Issuer on or before 14 March 2025.
  • If an Eligible Cardholder is issued and holds multiple Eligible Credit Cards at the same time, the accumulated Eligible Transaction amounts will be calculated separately for each Eligible Credit Card account.
  • 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
Up to 3  %
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flight
Cashback Overseas
0.4  %
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shopping_bag
Cashback Local Online Shopping
Up to 8  %
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shopping_bag
Cashback Overseas Online Shopping
8  %
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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$500 or more during the month will earn 8% cash rebate for eligible online retail spending)
  • 3 % cash rate for eligible spending at designated local merchants(Designated local merchant includes: Adidas, Fila, PUMA, @cosme STORE, Matsukiyo HK, Sugidama HK, Reebok, Tokyo Lifestyle)
  • Cashback will be capped at HK$200 per month

Terms and Conditions apply: https://www.thesim.com/en/legal

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement

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.

Association

Mastercard

Tags

sim Credit Card sim Credit Card