Sim Credit Card Comparison: Latest Offers and Rewards
Updated: 29 Jan 2026
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | sim Credit Card | HK$13,176 | No Requirement | 0.4 - 8 % | HK$800 ,first-year annual fee waiver | ||
 | sim World Mastercard®️ | HK$13,176 | HK$150,000 | 0.4 - 8 % | HK$1,800 |
Cashback on all spending, local or online
- The CashBack Promotion is valid from 1 February 2026 to 30 April 2026
- 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）
- Up to 2% cash rebate for Eligible Bill Payment Transactions (after accumulating eligible non-online retail spending of HK$1,000 in the month
- Cashback will be capped at HK$200 per month
- CashBack rewardable under the CashBack Promotion is subject also to a cap of HK$600 for each Eligible Card during the entire Promotion Period.
- Please refer to Terms and Conditions for more details
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.
- Cashback on all spending, local or overseas
- The CashBack Promotion is valid from 1 February 2026 to 30 April 2026
-
Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$1,000 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)
-
Up to 8% cash rebate for overseas retail spending (after accumulating eligible non-online retail of HK$1,000 in the month, eligible cardholders can earn 8% cash rebate for eligible overseas retail spending)
- 3% cash rebate for eligible spending at designated local merchants（Designated local merchant includes： Adidas, Fila, PUMA, @cosme STORE, Matsumoto Kiyoshi, Tokyo Lifestyle)
- Up to 2% cash rebate for Eligible Bill Payment Transactions (after accumulating eligible non-online retail spending of HK$1,000 in the month
- Cashback will be capped at HK$200 per month
- CashBack rewardable under the CashBack Promotion is subject also to a cap of HK$600 for each Eligible Card during the entire Promotion Period.
- Please refer to Terms and Conditions for more details
- New customers：
- at the time of the application, not currently holding and has not, within the past 12 calendar months from the month of application, cancelled nor held any principal card issued by the Card Issuer;
- at the time of the application, not currently using any loan or credit services of the Card Issuer or maintaining any loan or credit accounts with the Card Issuer and has not, within the past 24 calendar months from the month of application, used any loan or credit services of the Card Issuer or maintained any loan or credit accounts with the Card Issuer.
- Terms and Conditions apply: https://thesim.com/tc/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.