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PrimeCredit WeWa UnionPay Card for University Student

Last Updated: Sept 2023
No Requirement

Min. Annual Income

4
%

Local Spending - Cashback Rate

On designated merchant categories
(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

Welcome Offers from PrimeCredit

  • OFFER 1
    Samsung Galaxy Tab A7 Lite (LTE) Tablet (T225)
    • Qualified retail spending over HK$8,500 within the first 90 days of card issuance
    • The Welcome Offer redemption SMS will be sent to the Cardholder within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card. Please refer to the OmyCard mobile application for details of redemption after receiving Welcome Offer redemption SMS.
  • OFFER 2
    B&O Beosound Explore Bluetooth Speaker
    • Qualified retail spending over HK$8,500 within the first 90 days of card issuance
    • The Welcome Offer redemption SMS will be sent to the Cardholder within 4 months upon fulfilling the designated Eligible Retail Purchase Transactions Requirement with the new card. Please refer to the OmyCard mobile application for details of redemption after receiving Welcome Offer redemption SMS.
  • OFFER 3
    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 4
    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 5
    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% Cash rebate on Travel (including airlines, hotels, online travel agencies and travel agencies), Cinema, Karaoke, Theme park spending
Annual Fee Waiver
Airport Lounge
MoneyHero Exclusive Offer

Great for

  • MoneyHero Exclusive Offer - HK$300 Cash Rebate + HK$200 HKTVmall Coupon/ Wellcome Shopping Voucher

    • From now till 3 October 2023, new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$300 HKTVmall Coupon/ Wellcome Shopping Voucher.
    • How to redeem MoneyHero exclusive offer?
      • 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.
      • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
    • Tips:

  • Welcome Offer

    • From now till 31 March 2024, new PrimeCredit Credit Card Cardholder who successfully applied WeWa UnionPay Diamond Card is entitled to one of the following Welcome Offers upon fulfilling the Eligible Retail Purchase Transactions Requirement specified below:
      Eligible Retail Purchase Transactions Requirement Welcome Offers options
      Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date Sony Truly Wireless Headphones LinkBuds S (WF-LS900N)
      Samsung Galaxy Watch4 40mm Bluetooth (SM-R860)
      B&O Beosound Explore Bluetooth Speaker
      HK$500 Cash Rebate
      No Spending Requirement Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
    • [Exclusive Welcome offer to University / tertiary students]
      HK$200 Cash Rebate (Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from card issuance)

  • Extra 5% cash rebate on Mainland China and Macau Spending

    Programme Period: 8 Sep 2023 – 31 Dec 2023

    • Extra 5% cash rebate on Mainland China local retail spending which settled in Renminbi and/or Macau local retail spending which settled in Macau Pataca
    • Registration at OMC App is required. (WeWa Club > WeWa Picks > Earn extra Cash Rebate on Mainland China & Macau Spending)
    • Eligible Retail Spending includes the payment via Physical card, Online, QR Code Payment in OmyCard App, Apple Pay and UnionPay App
    • Extra Cash Rebate is capped at HK$2,000 on each UPI card
    • The cash rebate will be credited to the relevant card account on or before 31 Mar 2024

    Terms and Conditions apply. Please refer to PrimeCredit official website for details.

  • “Pay with WA! Win with WA!” – 100% guarantee reward every day

    • From 1 September 2023 to 29 February 2024 (both dates inclusive), play “Pay with WA! Win with WA!” every day on OmyCard app, chances to win rewards are 100% guaranteed, and good rewards are available every day !

  • Launch of WeWa Club Enjoy endless offers and jetso

    Everyone can join WeWa Club for free and enjoy endless shopping, dinning, entertainment offers and jetso! Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.

    At WeWa Club, you can:
    • Buy amazing things at a good deal
    • Enjoy priority booking for concerts or other events
    • Enjoy many other offers and jetso!
    Click here to register as a WeWaClub member
  • Enjoy limited-time offers and activities in OmyCard app
    • Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.
  • 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
    • 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.
  • Travel Benefits
    • Exemption of foreign transaction fees
  • Annual fee waiver for the first 5 years

Need to know

  • Welcome offers, HK$200 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
  • Each card can be entitled to a maximum amount of HK$2,000

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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