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 | - | - | No Requirement | 0.4 - 8 % | HK$800 ,first-year annual fee waiver | |
 | sim World Mastercard®️ | - | - | HK$150,000 | 0.4 - 8 % | HK$1,800 |
Cashback Local Online Shopping
Up to 8 %Cashback Overseas Online Shopping
Up to 8 %Cashback Local
Up to 8 %Annual Fee
HK$ HK$
800 ,first-year annual fee waiverRepayment Details
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$300
Interest Free Period: Up to53 days, this period does not apply to cash advance transaction.
Fees
Annual Fee: HK$800 ,first-year annual fee waiver
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: No Requirement
Key Features
- Card Features:
- Welcome offer up to HK$200 CashBack
- Up to 8% CashBack for online spending and local transportation transactions
- First Year's annual fee waiver, Perpetual annual fee waiver for Full-time University/Tertiary Students
- Simple registration for all，no income requirement
- Welcome Offer Details:
- Promotion Period for CashBack Promotion: 1 May 2026 to 30 September 2026
- Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above)
- Overseas Spending: 0.4% basic CashBack
- Local Transportation Spending: 8% CashBack, capped at HK$200 per month* (applicable to Citybus, Cityflyer, KMB, LWB, MTR, Tram and Star Ferry)
- Designated Merchant Spending: 3% CashBack, capped at HK$200 per month* (designated local merchants include: Adidas, matsukiyo HK, PUMA, Fila, Tokyo Lifestyle)
- Eligible Bill Payment Transactions: 2% CashBack, capped at HK$200 per month* (only applicable via sim Credit Card App “Pay Bills/Taxes” service)
- Other Eligible Retail Spending: 0.4% basic CashBack
- *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month
- *Under this CashBack Promotion, each Eligible Card can earn a maximum total of HK$1,000 CashBack during the entire Promotion Period
- *Supplementary card spending will be combined with the principal card account for reward calculation
- *CashBack will be credited to the Eligible Card account in the following calendar month after settlement
- The above promotion is subject to relevant terms and conditions.
- New customers:
- at the time of the application, not currently holding and has not, within the past 12 calendar months from the month of application, cancelled nor held any principal card issued by the Card Issuer;
- at the time of the application, not currently using any loan or credit services of the Card Issuer or maintaining any loan or credit accounts with the Card Issuer and has not, within the past 24 calendar months from the month of application, used any loan or credit services of the Card Issuer or maintained any loan or credit accounts with the Card Issuer.
- Terms and Conditions apply: https://thesim.com/tc/legal
Cashback Local Online Shopping
Up to 8 %Cashback Overseas Online Shopping
Up to 8 %Cashback Local
Up to 3 %Annual Fee
HK$ HK$
1,800Repayment Details
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$300
Interest Free Period: Up to53 days, this period does not apply to cash advance transaction.
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
- Card Features:
- Welcome offer up to HK$700 CashBack
- Up to 8% CashBack for online spending and local transportation transactions
- First Year annual fee waiver, Perpetual annual fee waiver for Full-time University/Tertiary Students
- Welcome Offer Details:
- Promotion Period for CashBack Promotion: 1 May 2026 to 30 September 2026
- Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above)
- Overseas Spending: 8% CashBack, capped at HK$200 per month* (applicable to eligible overseas retail transactions made outside Hong Kong and posted in non-HKD currencies)
- Designated Merchant Spending: 3% CashBack, capped at HK$200 per month* (designated local merchants include: Adidas, matsukiyo HK, PUMA, Fila, Tokyo Lifestyle)
- Eligible Bill Payment Transactions: 2% CashBack, capped at HK$200 per month* (only applicable via sim Credit Card App “Pay Bills/Taxes” service)
- Other Eligible Retail Spending: 0.4% basic CashBack
- *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month
- *Under this CashBack Promotion, each Eligible Card can earn a maximum total of HK$1,000 CashBack during the entire Promotion Period
- *Supplementary card spending will be combined with the principal card account for reward calculation
- *CashBack will be automatically credited to the Eligible Card account in the following calendar month after settlement
- The above promotion is subject to relevant terms and conditions.
- 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