Hang Seng Bank Credit Card Comparison: Latest Offers and Rewards
Updated: 1 Mar 2026
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Hang Seng MMPOWER World Mastercard® | - | HK$700 | HK$150,000 | Up to8 % | Perpetual Annual Fee Waiver | |
 | Hang Seng Travel+ Visa Signature Card | HK$1,300 | HK$150,000 | Up to7 % | Perpetual Annual Fee Waiver | ||
 | Hang Seng enJoy Card | - | HK$700 | HK$150,000 | Up to2 % | Perpetual Annual Fee Waiver |
Minimum Annual Income
HK$ HK$
150,000Card Benefit
Up to 8 % +FUN DollarsAnnual Fee
Perpetual Annual Fee WaiverAnnual Fee Waiver
PerpetualYou’ll also receive the following welcome gift(s) directly from the bank
- Online retail spending rebate
- Overseas foreign currency spending rebate
- Selected spending categories rebate
- No Annual Fee
Repayment Details
Minimum Payment: -
Interest Free Period: 56 Days
Fees
Annual Fee: Perpetual Annual Fee Waiver
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
- Credit Card Key Features
- Welcome Rewards: New customers can receive up to $700 +FUN Dollars; existing customers can receive up to $300 +FUN Dollars.
- Customizable Rebate Combos: Choose 2 out of 3 categories: Online Retail (up to 5%), Overseas Spending (up to 6%), or Selected Categories (up to 1% +FUN Dollars).
- Top Pick for Foreign Currency: Earn up to 6% +FUN Dollars on foreign currency transactions—perfect for frequent travelers.
- World Mastercard Privileges: Enjoy premium services including private concierge, personalized check-in assistance, and luggage handling.
- Daily Spending Rewards: Earn a base rebate of 0.4% +FUN Dollars on all eligible spending.
- Rebates & Offer Details
- MMPOWER +FUN Dollars Rewards Program
- To unlock the "Choose 2 out of 3" rewards, customers must register and accumulate at least HK$5,000 in eligible retail spending per month:
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- Note: The total monthly cap for extra rebates is $500 +FUN Dollars (including the 0.4% base rebate).
- World Mastercard Exclusive Perks
- Private Concierge: Personalized airport meet-and-greet, assistance with check-in, and transfer services.
- Base Reward Rate: Earn $1 +FUN Dollar for every HK$250 spent.
- Important Notes
- Existing Hang Seng customers can log on to Hang Seng Mobile App for a quicker application and processing - the system will automatically fill in your personal information from their records and the promo code. Upon login, the promo code will be pre-filled in the application form.
- Registration Requirement: Customers must register for the MMPOWER Rewards Program on the official Hang Seng website and meet the minimum monthly spending requirement to qualify for extra rebates.
- Definition of New Customer: Applicants who do not currently hold, and have not held in the past 12 months, any Hang Seng Credit Card, Co-branded card, or Spending Card principal card.
- Welcome Reward Restrictions: You are ineligible for the welcome gift if you held an MMPOWER card in the past 12 months. If the account is cancelled within 13 months of opening, the welcome reward must be returned.
- Crediting Period: +FUN Dollars will be credited to the eligible account within 3 months. The account must remain valid at the time of crediting.
- Validity: +FUN Dollars earned are valid for 24 months from the card's anniversary month.
- Disclaimer: MoneyHero strives for accuracy. If information differs from the financial institution or product provider, the provider’s website shall prevail. Please refer to official websites for the most updated terms.
- To borrow or not to borrow? Borrow only if you can repay! Rewards and offers are subject to Terms and Conditions.
Minimum Annual Income
HK$ HK$
150,000Card Benefit
Up to 7 % +FUN DollarsAnnual Fee
Perpetual Annual Fee WaiverAnnual Fee Waiver
Perpetual Annual Fee WaiverApply through MoneyHero and choose from 2 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Foreign Currency Spending rebate
- Local Dining Spending rebate
- Airport dining offer
- Travel and hotel booking offers
- Perpetual annual fee waiver
Repayment Details
Minimum Payment: -
Interest Free Period: 56 Days
Fees
Annual Fee: Perpetual Annual Fee Waiver
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
- Credit Card Key Features
- High Rewards in Popular Destinations: Earn up to 7% +FUN Dollars on foreign currency spending in Japan, South Korea, Thailand, Mainland China, Macau, and Taiwan.
- Foreign currency spending in other regions: up to 5% +FUN Dollars
- Dining Rebates: Enjoy up to 5% +FUN Dollars on local dining spending.
- Exclusive Airport Perks: Use your physical card to redeem designated airport meals or Starbucks sets for just HK$10.
- Travel Booking Discounts: Exclusive offers on hotel bookings and airfares through Trip.com, Expedia, and Hotels.com.
- Rebates & Offer Details
- +FUN Dollars Reward Programme
- To qualify for the following rebates, customers must register and accumulate a minimum of HK$6,000 in eligible monthly spending:
- +FUN Dollars Reward Programme
| Spending Category | Rebate Rate (+FUN Dollars) |
| Designated Foreign Currency
(Japan, South Korea, Thailand, Chinese Mainland, Macau, and Taiwan) |
Up to 7% |
| Other Foreign Currency (Global) | Up to 5% |
| Local Dining (All HK restaurants) | Up to 5% |
-
-
-
Terms and conditions apply, please visit hangseng.com/travelplus for details. The promotion period is till 31 December 2026, customers are required to register via https://hangseng.com/travelplus. Registered customers are not required to register again and can continue to earn extra +FUN Dollars.
-
Note: The total monthly cap for extra rebates is $500 +FUN Dollars (this includes the 0.4% base rebate).
-
- Airport & Travel Booking Offers
- Intervals Sky Bar: From now until June 30, 2026, redeem a set meal or tailor-made drink from the designated menu at Hong Kong International Airport branch for HK$10 with your physical card
- Starbucks Redemption: From now until June 30, 2026, redeem a selected Grande sized handcrafted beverage and a piece of designated food item at Hong Kong International Airport branches with your physical card for HK$10
- Trip.com: From now until December 31, 2026, enjoy 5% off hotels and 1.5% off flight bookings.
- Expedia / Hotels.com: From now until June 30, 2026, earn 6% +FUN Dollars on hotel bookings via designated websites.
-
- Important Notes
- Existing Hang Seng customers can log on to Hang Seng Mobile App for a quicker application and processing - the system will automatically fill in your personal information from their records and the promo code. Upon login, the promo code will be pre-filled in the application form.
- “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” refer to applicants who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
- If the customer has held a Hang Seng Travel+ Visa Signature Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
- The extra +FUN Dollars rebate will be calculated for the Eligible Retail Spending till the last day of every calendar month. The extra +FUN Dollars rebate will be automatically credited into the Eligible Credit Card account within 2 calendar months. The credit card account should remain valid and in good standing when the relevant +FUN Dollars rebate is credited. Cardholders can log on to Hang Seng Personal e-Banking (if applicable) or call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
- +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.
- MoneyHero strives to maintain accurate information. If there are any discrepancies between the information provided and that found on the websites of financial institutions, service providers, or specific products, the information from the financial institutions shall prevail. Please refer to the relevant financial institution’s website for the most up-to-date product information.
- Hang Seng Bank is not the provider of the exclusive rewards from MoneyHero. The availability of the rewards and their redemption process are not related to Hang Seng Bank.
- Advertising information provided by Hang Seng Bank Limited
- Hang Seng reserves the right to amend these Terms and Conditions at any time
- To borrow or not to borrow? Borrow only if you can repay!
- Rewards and offers are subject to Terms and Conditions.
Minimum Annual Income
HK$ HK$
150,000Card Benefit
Up to 2 % cashbackAnnual Fee
Perpetual Annual Fee WaiverAnnual Fee Waiver
Perpetual Annual Fee WaiverYou’ll also receive the following welcome gift(s) directly from the bank
- Local spending rebate
- Dining rebate
- Supermarket rebate
- No Annual Fee
Repayment Details
Minimum Payment: $330
Interest Free Period: 56 Days
Fees
Annual Fee: Perpetual Annual Fee Waiver
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
- Credit Card Key Features
- Welcome Rewards: New customers can receive 140,000 yuu Points (valued at HK$700); existing customers can receive **60,000 yuu Points** (valued at HK$300).
- High Rebates: Earn up to 2% rebate (4x points) when spending at over 2,000 designated merchants across Hong Kong.
- Instant Point Redemption: Use yuu points like cash via the yuu App to redeem e-vouchers or offset purchases (200 points = HK$1).
- Year-round Exclusive Discounts: Enjoy up to 8% off (92% of original price) on designated days at popular merchants including Wellcome, Mannings, 7-Eleven, and IKEA.
- Perpetual Annual Fee Waiver.
- Rebates & Offer Details
- Merchant Point Rewards
| Category | Rebate / Points | Included Merchants |
| Maxim’s Group & Designated Dining | 2% Rebate (HK$1 = 4 pts) | Pizza Hut, KFC, Maxim’s Chinese Cuisine, Arome Bakery, UOVO, Dondonya, etc. |
| Supermarkets & Lifestyle | 1.5% Rebate (HK$1 = 3 pts) | Wellcome, Market Place, 7-Eleven, Mannings, IKEA, GNC. |
| Other & Overseas Spending | 0.5% Rebate (HK$1 = 1 pt) | All other eligible transactions. |
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- Daily Upgraded Dining Offers (Highlights)
- Mon–Sun (Maxim’s Chinese): Redeem a 2-person dinner set at 50% off yuu points.
- Monday (KFC): 12% off for dine-in and takeaway.
- Tuesday (Pizza Hut): HK$30 off on purchases of HK$250 or more.
- Thursday (Maxim’s Chinese): Up to 50% off on the main menu (40% discount + 20x points).
- Fri–Sun (Maxim’s Chinese): 50% off designated dinner sets.
- Merchant Discount Days
- Mannings: 6% off on the 1st and 20th of every month.
- Wellcome / Market Place: 8% off on purchases over HK$100 on the 3rd, 13th, and 23rd of every month.
- 7-Eleven: 5% off on the 8th and 18th of every month.
- IKEA: Free delivery on the 1st and 3rd Wednesday of every month with purchases over HK$3,500.
- Daily Upgraded Dining Offers (Highlights)
- Important Notes
- Existing Hang Seng customers can log on to Hang Seng Mobile App for a quicker application and processing - the system will automatically fill in your personal information from their records and the promo code. Upon login, the promo code will be pre-filled in the application form.
- Welcome Reward Eligibility: Cardholders must accumulate HK$5,000 in eligible spending and link the card to the yuu Rewards Program within a specified period after card issuance.
- Definition of New Customer: Applicants who do not currently hold, and have not held in the past 12 months, any Hang Seng Credit Card or Co-branded principal card.
- Account Cancellation Restriction: If the account is cancelled within 13 months of opening, a handling fee equivalent to the value of the welcome reward will be charged.
- Point Crediting: yuu points will be credited within 3 months of meeting requirements. The account must be valid and linked to the yuu program at that time.
- Disclaimer: MoneyHero strives for accuracy. If information differs from the financial institution or product provider, the provider’s website shall prevail. Please refer to official websites for the most updated terms.
- To borrow or not to borrow? Borrow only if you can repay!
- Rewards and offers are subject to Terms and Conditions.