TODO
PrimeCredit WeWa UnionPay Card for University Student
Last Updated: Oct 2021
No Requirement
Min. Annual Income
4 %
Local Spending - Cashback Rate
on local designated stores spending
(direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback
5.4 %
Overseas Spending - Cashback Rate
on Taiwan retail spending
(direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback
OFFERS
BENEFITS
ELIGIBILITY
APR/FEES
Exclusive Offer
from MoneyHero
  • OFFER 1
    HK$550 Cash Rewards
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit WeWa UnionPay Card for University Student via MoneyHero can enjoy HK$250 Apple Gift Card and HK$300 cash rebate.
    • PrimeCredit will credit the HK$300 cash rebate into the respective credit card account after the card is successfully approved.
    • Promotion Period: from 1 to 31 October 2021
    How to redeem MoneyHero exclusive offer?
    1. Click "Apply Now" button on MoneyHero website to go to PrimeCredit website to continue the card application.
    2. Within 7 days of card approval, click the link on the banner of MoneyHero's PrimeCredit WeWa UnionPay Card for University Student listing to access to "Reward Registration Page".
    3. You will receive "Reward Redemption Form" once submitting your email address. Firstly, please create or login to your MoneyHero account based on the instructions within 7 days. Then, fill in and submit the form once you successfully log in to your MoneyHero account.
    4. MoneyHero will verify your reward eligibility with PrimeCredit. The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward. If you have concerns regarding the redemption process, please refer to this article.
  • OFFER 2
    MONSTER Achieve 100 AirLinks Headphones (worth HK$599) + HK$300 cash rebate
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit WeWa UnionPay Card via MoneyHero can enjoy MONSTER Achieve 100 AirLinks Headphones (worth HK$599) and HK$300 cash rebate.
    • PrimeCredit will credit the HK$300 cash rebate into the respective credit card account after the card is successfully approved.
    • Promotion Period: from 1 to 31 October 2021
    How to redeem MoneyHero exclusive offer?
    1. Click "Apply Now" button on MoneyHero website to go to PrimeCredit website to continue the card application.
    2. Within 7 days of card approval, click the link on the banner of MoneyHero's PrimeCredit WeWa UnionPay Card listing to access to "Reward Registration Page".
    3. You will receive "Reward Redemption Form" once submitting your email address. Firstly, please create or login to your MoneyHero account based on the instructions within 7 days. Then, fill in and submit the form once you successfully log in to your MoneyHero account.
    4. MoneyHero will verify your reward eligibility with PrimeCredit. The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward. If you have concerns regarding the redemption process, please refer to this article.

Welcome Offers from PrimeCredit

  • OFFER 1
    Nespresso Essenza Mini Coffee Machine
    • Qualified retail spending over HK$8,500 within the first 90 days of card issuance
    • The redemption letter will be issued to the Cardholder within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 2
    Nintendo Switch Software Ring Fit Adventure
    • Qualified retail spending over HK$8,500 within the first 90 days of card issuance
    • The redemption letter will be issued to the Cardholder within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 3
    Nikko Camping Tent with Sleeping Bag Package
    • Qualified retail spending over HK$8,500 within the first 90 days of card issuance
    • The redemption letter will be issued to the Cardholder within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 4
    HK$500 Cash Rebate
    • Qualified retail spending over HK$8,500 within the first 90 days of card issuance
    • The rebate amount will be credited into the related PrimeCredit Credit Card account within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 5
    HK$200 Cash Rebate (only for full-time tertiary students)
    • Qualified retail spending over HK$2,000 within the first 90 days of card issuance
    • The rebate amount will be credited into the related PrimeCredit Credit Card account within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card.
  • OFFER 6
    Up to HK$90,000 Interest-free Adminitration fee-free Cash Instalment Plan
    • No Spending requirements
Questions you might have

For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer from banks or institutions, various terms and conditions apply, subject to different banks and institutions. You may refer to the following:

American Express
Welcome offers do not apply to current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS
Current and new customers are eligible for welcome offers. New customers refer to card holders who have not held or cancelled Citibank credit cards in the past 12 months.
PrimeCredit
Welcome offers do not apply to current customers. Their welcome offers only apply on applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC
Current and new customers are eligible for welcome offers. For more details of welcome offers, please click here.

BEA
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled BEA credit cards in the past 6 months.

The time for each bank to distribute the welcome offer is different. Generally, it will be distributed within 3 months after the Spending Period.

Regarding the cash coupons, costumers can get them once the card application is approved. However, some welcome offers of high value like 10 points, 5% to 7% cash rebate or 100,000 miles have time limit and spending requirements. The most common requirement is that the card holders have to spend certain amount of money within 2 to 3 months.

For virtual rewards like air miles, cash rebates and points, the rewards will be automatically credited to your credit card accounts upon meeting the relevant spending condition. For cash coupon or voucher, it will be mailed to your correspondence address after meeting the fulfilling condition. If your welcome offer is a solid gift like a luggage, a fulfillment letter / redemption letter is what you will receive my mail, and you will need to redeem the gift with the letter in specific venues.

4% rebate on Travel, Cinema, Karaoke, Theme park spending
Please turn off AdBlocker and private mode before application. Click the above link on the banner to receive the reward redemption form after card approval.
Annual Fee Waiver
Airport Lounge
MoneyHero Exclusive Offer

Great for

  • Welcome Offer
    Requirements Welcome Offers
    (Choose 1 from 6)
    Qualified retail spending over HK$8,500
    within the first 90 days of card issuance    		 Nespresso Essenza Mini Coffee Machine
    Nintendo Switch Software Ring Fit Adventure
    Nikko Camping Tent with Sleeping Bag Package
    HK$500 Cash Rebate
    Qualified retail spending over HK$2,000
    within the first 90 days of card issuance
    (Only apply to full-time university / tertiary students)    		 HK$200 Cash Rebate
    No spending requirement Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program
  • MoneyHero Exclusive Offer - HK$550 Cash Rewards OR MONSTER Achieve 100 AirLinks Headphones (worth HK$599) + HK$300 Cash Rebate
    • New customers of PrimeCredit Credit Card who successfully apply for PrimeCredit WeWa UnionPay Card for University Student via MoneyHero can enjoy HK$550 Cash Rewards (HK$250 Apple Gift Card and HK$300 cash rebate) OR MONSTER Achieve 100 AirLinks Headphones (Black) + HK$300 Cash Rebate.
    • How to redeem MoneyHero exclusive offer?
      1. Click "Apply Now" button on MoneyHero website to go to PrimeCredit website to continue the card application.
      2. Within 7 days of card approval, click the link on the banner of MoneyHero's PrimeCredit PrimeCredit WeWa UnionPay Card for University Student listing to access to "Reward Registration Page".
      3. You will receive "Reward Redemption Form" once submitting your email address. Firstly, please create or login to your MoneyHero account based on the instructions within 7 days. Fill in and submit the form once you successfully log in to your MoneyHero account.
      4. MoneyHero will verify your reward eligibility with PrimeCredit. If you have concerns regarding the redemption process, please refer to this article.
    • Tips:
  • Enjoy limited-time offers and activities in OmyCard app
    • Enjoy "Catch It Quick" limited-time offers through the app. You can buy popular products at a discounted price.
    • From 1 September 2021 to 28 February 2022, cardholders of WeWa Card can participate in "Selfish Rewards" activity and win prizes through the app. Prizes include discount offers, cash rebate, e-coupon/redemption voucher and interest-free and handling fee-free cash instalment program.
  • Pay with WeWa UnionPay Credit Card and enjoy direct cash rebate.
    • 4% rebate on Travel, Cinema, Karaoke, Theme park spending (0.4% basic rebate + 3.6% additional rebate) (HK$250 = HK$10 cash rebate)
    • 0.4% on other spendings (HK$250 = HK$1 cash rebate)
  • 3-month Interest-free Credit Card Transaction Instalment Plan
    • From now till 31 March 2022, enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.
  • CMK x WeWa Shopping Privileges - Up to HK$2,400 Cash Rebate & Selected Items Up to 50% Off
    Cardholders with valid PrimeCredit Credit Card(s) can enjoy the following offers at any CMK branches in Hong Kong or online store www.cmk.hk from 15 September to 30 November 2021.
    • Offer 1: Up to HK$2,400 Cash Rebate
      Cardholders register at OmyCard Mobile Application and enjoy the following cash rebate upon a single transaction of designated amounts at any CMK branches in Hong Kong or online store www.cmk.hk.
      Designated Single Transaction Spending Amount Cash Rebate Extra Cash Rebate (Applicable to WeWa UnionPay Card Cardholders) Maximum Amount of Cash Rebate for the Promotion Period
      HK$10,000 or above HK$500 HK$100 HK$2,400
      HK$7,000 - HK$9,999 HK$280 HK$70
      HK$3,000 - HK$6,999 HK$100 HK$30
      Each Cardholder can be entitled up to a maximum amount of HK$1,000 cash rebate and HK$200 additional cash rebate between 15 September 2021 and 31 October 2021 and up to a maximum amount of HK$1,000 cash rebate and HK$200 additional cash rebate between 1 November 2021 and 30 November 2021, and can be entitled to a maximum amount of HK$2,000 cash rebate and HK$400 additional cash rebate for the whole Promotion Period. 
    • Offer 2: Selected Items Up to 50% Off
      Enjoy up to 50% off for purchase of selected items at any CMK Hong Kong branches.
    • Cardholders can enjoy up to 12 months tenor of Transaction Instalment upon spending HK$1,000 or above in CMK via OmyCard Mobile Application, with no limit to no. of application.
  • Travel Benefits
    • Exemption of foreign transaction fees
    • Enjoy free access to 130 LoungeKey airport lounges 3 times per year
      Cardholders have to sign up and spend HK$12,000 in total within two consecutive months in order to enjoy free access to LoungeKey airport lounges
    • Enjoy airport limousine service for HK$250/ride
    • Enjoy a handcrafted beverage (worth HK$25 or below) for HK$1 at designated Pacific Coffee outlets at Hong Kong International Airport
  • Annual fee waiver for the first 5 years

Need to know

  • Welcome offers are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
    • The promotion period of Welcome Offers is valid from 1 March to 31 December 2021.
  • The amount of Extra Cash Rebate is capped at HK$2,000 per year from the account open date.
    • If the Retail Purchase amount is less than HK$250, the cash rebate will be calculated on a pro-rata basis and rounded to the nearest 1 cent.

Year-round rewards

CASH REBATE
Local Spending
4%
(direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback
Overseas Spending
5.4%
(direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback

Year-round benefits

OFFER 1
Access to LoungeKey Greater China Airport Lounge for 3 times with HK$12,000 spending

Spend over HK$12,000 within 2 continuous months every year

Eligibility

Minimum Age
18 years old
Min. Annual Income
No Requirement

Fees

Annual fee
HK$800
Foreign Currency Transaction Fee
Waived

Repayment

Minimum Payment
HK$50 or the aggregate amount of all the following items (whichever is higher):
(i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late payment charge
Minimum Payment Due or HK$250 (whichever is lower)
Retail Purchase APR
31.97%
Cash Advance APR
37.56%
Interest Free Repayment Period
53 days

Other information

Credit card type
UnionPay Diamond

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