MoneyHero.com.hk Exclusive Offer:
Extra HK$300 cash coupon for successful application via MoneyHero.com.hk
$0 annual income required
8% off at PARKnSHOP supermarket
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COMPASS VISA Tertiary Student Card
$0 annual income required
8% off at PARKnSHOP supermarket
Features
| Welcome offer for new customers (Choose 1 out of 4) | Spending Requirement |
| Dunlop Aztec Collection 28” Suitcase [Model: 101-9027 28”] | HK$6,800 |
| HK$400 PARKnSHOP “InstaRedeem” Amount* | HK$4,800 |
| HK$300 “InstaRedeem” Amount in any retail stores* | HK$4,800 |
| 6 MCL Movie Vouchers* | HK$4,800 |
Promotional period: 1 to 30 June 2019
Enjoy 8% discount at ParknShop on the 2nd, 12th and 22nd day of every month for single purchase of $100 or above; Enjoy 8% discount at Watsons on the 5th, 15th and 25th day of every month for single purchase of $500 or above.
Till 31 Dec 2019, register in every month, fulfill related requirements and spend at Taobao and Tmall to earn up to 3% COMPASS Dollar rebate.
Till 31 Dec 2019, enjoy 1-time Free Baggage Upgrade after monthly registration and fulfillment of related requirements; earn COM$136 for single transaction of HK$2,000 or above at HK Express.
1% COMPASS Dollar at designed merchants.
HK$300 Supermarket Cash Coupon: Only applicable to the applicants from MoneyHero.com.hk from 1 to 30 June 2019.
Please click here for guide on coupon redemption.
All matters and disputes are subject to the final decision of MoneyHero.com.hk and DBS.
Please click here for guide on coupon redemption.
All matters and disputes are subject to the final decision of MoneyHero.com.hk and DBS.
For details of welcome gifts, please refer to the "Promotions" section below.
Promotions and Terms and Conditions
MoneyHero.com.hk Exclusive Offer
HK$300 Supermarket Cash Coupon
Only applicable to the applicants from MoneyHero.com.hk from 1 to 30 June 2019
Welcome Offers
OPTION 1
28” Suitcase
Dunlop Aztec Collection 28” Suitcase [Model: 101-9027 28”] Spending requirement: HK$6,800 or above within 3 months from the New Card issuance date
OPTION 2
HK$400 PARKnSHOP “InstaRedeem” Amount
- Spending requirement: HK$4,800 or above within 3 months from the New Card issuance date.
- Download, register and activate DBS Omni account within 1 month of the New Card issuance date.
- “InstaRedeem” amount will be sub-divided and pushed automatically to the eligible new Customer (HK$100 each time) after the eligible New Customer has completed a spending transaction with amount in excess of HK$100.
OPTION 3
HK$300 “InstaRedeem” Amount in any retail stores
- Spending requirement: HK$4,800 or above within 3 months from the New Card issuance date.
- Download, register and activate DBS Omni account within 1 month of the New Card issuance date.
- “InstaRedeem” amount will be sub-divided and pushed automatically to the eligible new Customer (HK$100 each time) after the eligible New Customer has completed a spending transaction with amount in excess of HK$100.
OPTION 4
6 MCL Movie Vouchers
Cardholders must accumulate Eligible Spending in the amount of HK$4,800 or above# within 3 months from the New Card issuance date to be eligible for 4 MCL Movie Vouchers for New Customer and 2 MCL Movie Vouchers for Existing Customer. If New Customer successfully download DBS Omni mobile app, register and activate Omni account within 1 month from New Card issuance date, and fulfilled Spending Requirement, New Customer will be entitled to extra 2 MCL Movie Vouchers, total 6 MCL Movie Vouchers.
APR/Fees
APR
Minimum Payment
If the total outstanding balance is HK$200 or above, the minimum payment will be the sum of the followings: ((i) all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; (ii) any amount in excess of the credit limit incurred after last statement date; and (iii) 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account, or HK$200, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$200, the minimum payment will be the total outstanding balance.
Late payment charge
HK$300 or minimum repayment (whichever is lower)
Retail Purchase APR
36.07%
Cash Advance APR
38.41%
Interest Free Repayment Period
60 days
Fees
Annual fee
$ 1,800
Foreign Currency Transaction Fee
1.95%
Eligibility
Minimum Age
18 years old
Min. Annual Income
No Requirement
BEA iTitanium Card for University Student
Latest Offer:
3% i-Dollar rebate for online shopping
Welcome offer: 88,000 reward-U Points or
$200 Starbucks Gift Certificate
Welcome offer: 88,000 reward-U Points or
$200 Starbucks Gift Certificate
Features
3% i-Dollar rebate for online shopping
Cash rebate on all eligible retail spendings: HK$250 = HK$1 cash rebate
First Year Annual Fee Waiver
BEA Days 11X Bonus Points
Local dining / retail / online transactions on Saturday / Sundays 10% rebate with mobile payments in Fast Food / Coffee shops Overseas transactions
Effective from 1st June 2018, any cardholder whose monthly retail spending reaches HK$1,800 will be entitled to a 3% i-Dollar rebate on online shopping transactions in that calendar month.
The maximum cash rebate per month is HK$200, which will be credited to your principal card account as a cash rebate
HK$1 spending with 11 Bonus Points, which is 4.4 rebate
Promotions and Terms and Conditions
Welcome Offers
OPTION 1
$200 Starbucks Gift Certificate
Spend $1,500 or above within 2 months from card issuance and activate it through the BEA App successfully
OPTION 2
$400 Cash Rebate
Spend $6,000 or above within 2 months from card issuance and activate it through the BEA App successfully
OPTION 3
88,000 reward-U Points
Spend $9,000 or above within 3 months from card issuance and activate it through the BEA App successfully
APR/Fees
APR
Minimum Payment
All interest, fees and charges including annual fees that may be charged, plus 1% of outstanding principal (minimum: HK$/CNY50), plus any outstanding minimum payment due and over credit limit amount.
Late payment charge
HK$/CNY350 or the Minimum Payment Due, whichever is lower.
Retail Purchase APR
36.43%
Cash Advance APR
39.38%
Interest Free Repayment Period
56 days
Fees
Annual fee
$ 600
Foreign Currency Transaction Fee
1.95%
Eligibility
Minimum Age
18 years old
Min. Annual Income
No Requirement
Hang Seng MPOWER Card
Latest Offer:
Choose one: Up to 8 MCL Cinemas Movie Tickets + $100 Cash Dollars; Up to 365-day KKBOX Premium Membership + $100 Cash Dollars; Up to $700 Cash Dollars
No income requirement for students
No income requirement for students
Features
Choose either one:
- Up to 8 MCL Cinemas Movie Tickets + $100 Cash Dollars; or
- Up to 365-day KKBOX Premium Membership + $100 Cash Dollars; or
- Up to $700 Cash Dollars (limited to first 5,000 applicants until 31 July 2019)
Eligible customer should make transaction in an accumulated amount of HKD5,000 with the card within 60 days from the date of new card issuance during the Promotion Period
MCL Cinemas Privileges (Promotion period: from now to 31 March 2020)
- MCL Cinemas Online Handling Fee Waiver
Subject to a maximum of handling fee waiver for 4 tickets in each transaction - MCL Cinemas Movie Day
Customers can use $1 Cash Dollar to purchase an additional 2D / 3D adult ticket on every last Friday of each month (“Movie Day”) by purchasing regular-priced 2D / 3D adult ticket of the same show with the Eligible Credit Card - MCL Cinemas Free Popcorn
Customers can redeem one complimentary popcorn coupon by purchasing two movie tickets or above with the Eligible Credit Card in the same transaction - MCL CLUB Membership
- Additional Gift Vouchers for Join / Renew MCL CLUB Membership
Two additional electronic 2D Gift Vouchers - MCL CLUB Double Bonus Point Reward
Customers can enjoy double MCL CLUB bonus point by using the Eligible Credit Card to purchase any movie tickets
- Additional Gift Vouchers for Join / Renew MCL CLUB Membership
KKBOX Premium Membership Monthly Subscription Plan (Promotion Period: from now to 31 March 2020)
- Privileges of Hang Seng MPOWER Card
HKD1 for the first 90 days subscription and HKD53 for the next month thereafter
Designated Transactions on mobile payment and online shopping (Successful registration until 31 December 2019)
- Accmulate eligible transactions to HKD3,000 with Hang Seng MPOWER Card, you can earn up to 4.4% Cash Dollars Rebate
- Designated Mobile Payment Spending Transaction:
Local Dining, Fashion and Entertainment (including Apple Pay、Google Pay、Suamsung Pay) - Designated Online Shopping Transaction:
Taobao,Tmall,iTunes and Google Play
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
MPOWER Card Student Card is only applicable to Full-time University/Tertiary Student, attending certificate level or above course offered by following accredited education institutions and their subsidiaries, including: accredited universities in Hong Kong, The Education University of Hong Kong (former name is Hong Kong Institute of Education), Chu Hai College of Higher Education, Vocational Training Council, Hong Kong Institute of Vocational Education, The Hang Seng University of Hong Kong (former name is Hang Seng Management College), Hong Kong Academy for Performing Arts, Caritas Institute of Higher Education, Caritas Bianchi College of Careers, Hong Kong Institute of Technology, Hong Kong College of Technology, Savannah College of Art and Design Hong Kong, Centennial College or Yew Chung College of Early Childhood Education
Promotions and Terms and Conditions
Welcome Offers
OPTION 1
Up to 8 MCL Cinemas Movie Tickets + Extra $100 Cash Dollars
- New credit card customer: 8 MCL Cinemas Movie Tickets (5 2D Movie Tickets and 1-year MCL CLUB PLUS Membership with 3 2D Movie Tickets)
- Existing credit card customer: 5 MCL Cinemas Movie Tickets (2 2D Movie Tickets and 1-year MCL CLUB PLUS Membership with 3 2D Movie Tickets)
- Earn extra $100 Cash Dollars through online application
OPTION 2
Up to $600 Cash Dollars + Extra $100 Cash Dollars
- New credit card customer: $600 Cash Dollars Welcome offer (limited to first 5,000 applicants until 31 July 2019)
- Existing credit card customer: $200 Cash Dollars Welcome offer
- Earn extra $100 Cash Dollars through online application
OPTION 3
Up to 365-day KKBOX Premium Membership + Extra $100 Cash Dollars
- New credit card customer: 365-day KKBOX Premium Membership
- Existing credit card customer: 180-day KKBOX Premium Membership
- Earn extra $100 Cash Dollars through online application
APR/Fees
APR
Minimum Payment
The Minimum Payment Amount is HK$230 or the sum of item (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of item (i) to (iii).
Late payment charge
HK$230 or an amount equal to the Minimum Payment Amount (whichever is lower)
Retail Purchase APR
34.97%
Cash Advance APR
38.37%
Interest Free Repayment Period
56 days
Fees
Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95%
Eligibility
Minimum Age
18 years old
Min. Annual Income
No Requirement
WeWa Unionpay Card for University Student
Latest Offer:
One set of Round-trip Standard Seat Flight Tickets for One Passenger to Japan (Osaka or Okinawa) as welcome offer
Join “Shake to Win II” Lucky Draw to win prizes
Join “Shake to Win II” Lucky Draw to win prizes
Features
| Eligible Retail Purchase Transactions requirements | Welcome offer (Choose 1 from 5) |
| Eligible Retail Purchase Transactions over HK$12,000 within 90 days from the card issuing date | One set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa)# with HK$100 Hotel Voucher |
| Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date | HK$600 Häagen-Dazs™ Gift Voucher |
| Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date | HK$500 cash rebate |
| No spending requirement | Up to HK$90,000 interest-free and handling fee-free Cash instalment program |
| Eligible Retail Purchase Transactions over HK$2,000 within 90 days from the card issuing date | HK$200 cash rebate* |
* Only apply to full-time university / tertiary students
# Include a personal round-trip baggage for up to 20 kg of baggage and pre-selected standard guest rates;
Departure date is from 15 May 2019 to 31 March 2020 (Not applicable for designated tourist season)
Airlines include Hong Kong Airlines, Letao Airlines, Air India or Hong Kong Express Airways
Cardholders will be entitled to 1 Lucky Draw chance in “Shake to Win II” via OmyCard mobile application upon they make single eligible retail transaction of HK$400 or above from 1 March to 31 August 2019 with WeWa credit card.
Prizes include:
- From 5% to 50% Single Transaction Rebate
- Godiva e-Voucher
- 4 Days MSIG Travel Insurance
- Prestige Prizes: HK$100,000 WeWa card spending credit (only 1 winner)
WeWa Cash Rebate: HK$10 cash rebate for every HK$250 Spending within specific categories (Travel, Cinema, Karaoke, Theme park) (4%cashback); HK$1 cash rebate for every HK$250 Spending within other categories
During the promotional period of “Shake to Win II”, each card account can enjoy a maximum 1 Lucky Draw chance respectively for the first eligible retail transaction or the first eligible cash advance transaction each day. Trade Promotion Competition Licence: 51768-70
For the details of the terms and conditions, please visit WeWa Credit Card.
Welcome offer only applies to new applicants who successfully apply WeWa UnionPay Diamond Card during the promotional period from 1 March to 31 August 2019 (Both dates inclusive)
The promotional period of a set of round-trip standard seat flight tickets for one passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher is from 15 May to 31 August 2019
click here for more information
Promotions and Terms and Conditions
Welcome Offers
OPTION 1
One set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher
Eligible Retail Purchase Transactions over HK$12,000 within 90 days from the card issuing date
OPTION 2
HK$600 Häagen-Dazs™ Gift Voucher
Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date
OPTION 3
HK$500 Cash Rebate
Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date
OPTION 4
HK$200 Cash Rebate (only for full-time tertiary students)
Eligible Retail Purchase Transactions over HK$2,000 within 90 days from the card issuing date
OPTION 5
Up to HK$90,000 Interest-free Adminitration fee-free Cash Instalment Plan
No Spending requirements
APR/Fees
APR
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
31.58%
Cash Advance APR
37.07%
Interest Free Repayment Period
53 days
Fees
Annual fee
$ 800
Foreign Currency Transaction Fee
Waived
Eligibility
Minimum Age
18 years old
Min. Annual Income
No Requirement
HSBC Visa Gold Card for Students
Latest Offer:
Spend HK$600 to get HK$300 cash rebate, equivalent to 50% cash rebate!
Enjoy up to 2.4% or $400 RewardCash rebate on tuition fee payment
Perpetual annual fee waiver
Enjoy up to 2.4% or $400 RewardCash rebate on tuition fee payment
Perpetual annual fee waiver
Features
Spend $600 to get $300 cash rebate, which is equivalent to 50% cash rebate!
Enjoy up to 2.4% or $400 RewardCash rebate on tuition fee payment.
Enjoy up to 2.4% RewardCash rebate for your favourite spending category under "Red Hot Rewards of Your Choice" (i.e. $4.17 for 1 mile).
Perpetual annual fee waiver.
Cumulative net spending $600 within first 60 calendar days from the issuance of credit card, customer can enjoy welcome offer of $300 Spending Rebate
Earn up to 2.4% RewardCash rebate on tuition fee payment to designated education institutions via HSBC HK Mobile Banking App or Personal Internet Banking from 1 July 2019 to 2 March 2020 in 2 phases. The maximum rebate amount for each phase is $200 RewardCash. i.e. total $400 RewardCash.
Register for “Red Hot Rewards of Your Choice” and allocate your extra 5 times RewardCash to your preferred spending categories (such as Dining and Entertainment) to earn up to 2.4% RewardCash rebate (including the basic 0.4% RewardCash rebate).
Customers must successfully apply for a primary card of Hong Kong dollar personal HSBC Visa Gold Card for Students issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong during the Promotional Period with successful approval and must use the Eligible Credit Card to fulfill the Spending Requirement $600 to be eligible for the Welcome Offer of $300 cash rebate. Successful approval can enjoy perpetual credit card annual fee waiver for the newly approved Eligible Credit Card under this promotion.
To borrow or not to borrow? Borrow only if you can repay!
Promotions and Terms and Conditions
Welcome Offers
HK$300 cash rebate
Spend HK$600 or above within first 60 calendar days from card issuance
APR/Fees
APR
Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any)(the minimum amount of Minimum Payment is $50).
Late payment charge
Minimum Payment Due or $230, whichever is lower
Retail Purchase APR
36.43%
Cash Advance APR
37.75%
Interest Free Repayment Period
56 days
Fees
Foreign Currency Transaction Fee
1.95%
Eligibility
Minimum Age
18 years old
Min. Annual Income
No Requirement
Citibank Rewards VISA card
MoneyHero.com.hk Exclusive Offer:
9,666 miles and $40 cash rebate as welcome gifts, plus extra HK$300 supermarket coupon exclusively from MoneyHero.com.hk
Birthday spending: $1.88=1 miles
Supermarket/ telecom spending: $3=1 mile
Birthday spending: $1.88=1 miles
Supermarket/ telecom spending: $3=1 mile
Features
| Spending requirements | Welcome offer & exclusive reward |
| Qualified spending of HK$10,000 or above | 135,000 Points (Redeemable for HK$600 Wellcome coupon or 9,000 miles) |
| Eligible retail transactions via Apple Pay, Google Pay or Samsung Pay within the first 2 months from the date of card issuance | $40 cash rebate |
| Successful applications via MoneyHero.com.hk | HK$300 Wellcome cash coupon |
| Up to HK$900 cash coupon + $40 cash rebate |
5X rewards points on spending at supermarkets, department stores and telecom providers;
8X reward points in birthday month;
Points will never expire and can be redeemed for rewards anytime;
Avios or Asia Miles redeemed from credit card points.
8X reward points in birthday month;
Points will never expire and can be redeemed for rewards anytime;
Avios or Asia Miles redeemed from credit card points.
Enjoy Hong Kong Plaza Premium Lounge access for HK$250 by presenting the card and boarding pass.
The Welcome offers are only applicable to customers who currently do not hold and / or have not held any principal card of Citibank Credit Card and / or Citibank Private Label Card issued by Citibank and / or principal card of Diners Club Card issued by Diners Club International (HK) Limited (“Diners”) within the past 12 months from the date of issue of the Eligible Card ("New Customer"). Promotion period is valid from 1 to 30 June 2019, both days inclusive.
Extra exclusive offer - HK$300 Wellcome cash coupon: Only applicable to the applicants from MoneyHero.com.hk from 1 to 30 June 2019. Please click here for guide on coupon redemption. All matters and disputes are subject to the final decision of MoneyHero.com.hk and Citibank.
Terms and Conditions of welcome offer:
135,000 Points (Redeemable for HK$600 Wellcome coupon) upon spending of HK$10,000 or above in the first 2 months after card issuance.
135,000 Points (Redeemable for HK$600 Wellcome coupon) upon spending of HK$10,000 or above in the first 2 months after card issuance.
Eligible retail transactions via Apple Pay, Google Pay or Samsung Pay within the first 2 months from the date of card issuance is entitled to a maximum of $40 cash rebate
Handling fee of HK$50-HK$300 will be charged for redeeming Points for miles each time.
Terms and conditions apply. For details, please click here for more information.
Promotions and Terms and Conditions
MoneyHero.com.hk Exclusive Offer
HK$300 Wellcome cash coupon
From 1 to 30 June 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk
Welcome Offers
OPTION 1
HK$600 Wellcome coupon
- 135,000 Points (Redeemable for HK$600 Wellcome coupon) upon spending of HK$10,000 or above in the first 2 months after card issuance
- Promotion period is valid from 1 to 30 June 2019, both days inclusive
OPTION 2
9,000 Miles
- 135,000 Points (Redeemable for 9,000 Miles) upon spending of HK$10,000 or above in the first 2 months after card issuance
- Promotion period is valid from 1 to 30 June 2019, both days inclusive
APR/Fees
APR
Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1.5% of outstanding principal, plus any overlimit anount (if any).
Late payment charge
Minimum HK$180 and maximum HK$250
Retail Purchase APR
35.52%
Cash Advance APR
39.72%
Interest Free Repayment Period
58 days
Fees
Annual fee
$ 1,800
Eligibility
Minimum Age
18 years old
Min. Annual Income
$ 150,000
EarnMORE Unionpay Card for University Student
Latest Offer:
HK$200 cash rebate as welcome offer
$0 annual income requirement
3 complimentary visits to the Plaza Premium Lounges at airport
$0 annual income requirement
3 complimentary visits to the Plaza Premium Lounges at airport
Features
| Qualified spending requirements | Welcome offer (Choose 1 from 5) |
| Qualified retail spending over HK$8,500 within the first 90 days of card issuance Fee: HK$200 each month x 3-month installment | OTO Qseat foot massager |
| Qualified retail spending over HK$8,500 within the first 90 days of card issuance | HK$600 Häagen-Dazs™ coupon |
| Qualified retail spending over HK$8,500 within the first 90 days of card issuance | HK$500 cash rebate |
| No spending requirement | Up to HK$90,000 interest-free and handling fee-free Cash instalment program |
| Qualified retail spending over HK$2,000 within the first 90 days of card issuance | HK$200 cash rebate* |
Extra HK$100 cash rebate for successful online applications
Apply Octopus Automatic Add Value Service using EARNMORE credit card to enjoy 2% cash rebate at every reloading
2% cash rebate (1% basic + 1% extra rebate) on year-round spending; cap for the 1% extra cash rebate during 1 January - 31 December 2019; the cash rebate will be deposited in next credit card statement
Exemption of foreign transaction fees
Annual fee waiver for the first 2 years
Welcome offer only applies to new applicants who successfully apply EarnMORE Unionpay Diamond Card during the promotional period from 1 January to 31 December 2019 (Both dates inclusive)
Promotions and Terms and Conditions
Welcome Offers
OPTION 1
OTO Qseat foot massager
Qualified retail spending over HK$8,500 within the first 90 days of card issuance + Fee: HK$200 each month x 3-month installment
OPTION 2
HK$600 Häagen-Dazs™ coupon
Qualified retail spending over HK$8,500 within the first 90 days of card issuance
OPTION 3
HK$500 cash rebate
Qualified retail spending over HK$8,500 within the first 90 days of card issuance
OPTION 4
Up to HK$90,000 interest-free and handling fee-free Cash instalment program
No spending requirement
OPTION 5
HK$200 Cash Rebate (only for full-time tertiary students)
HK$2,000 or above within 90 days of card issuance
APR/Fees
APR
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
HK$250 or an amount equivalent to the minimum payment stated on the monthly statement (whichever is lower)
Retail Purchase APR
44.55%
Cash Advance APR
47.32%
Interest Free Repayment Period
53 days
Fees
Annual fee
$ 800
Eligibility
Minimum Age
18 years old
Min. Annual Income
No Requirement
Standard Chartered Simply Cash Visa Card
MoneyHero.com.hk Exclusive Offer:
Up to HKD 1,550 welcome rebate
Unlimited CashBack all year-round
Unlimited CashBack all year-round
Features
From 1 March to 2 July 2019 (both dates inclusive), new cardholders who submit the Standard Chartered Simply Cash Visa Card application through online channel and fulfill relevant requirements can enjoy up to 100% CashBack (up to HKD1,000) as welcome offer:New cardholders can enjoy 100% CashBack on any spending on eligible transactions within the first 2 months from the date of card issuance
Top-up Offer: HKD100 CashBack
The top-up offer is only applicable to New Cardholders who have never signed up for Online Banking with the Bank on or before 28 February 2019.
- After receiving the newly approved Simply Cash Visa Card, New Cardholders who newly sign up for Online Banking and complete the first login within the first 2 months from the date of card issuance can get extra HKD100 CashBack.
- You only need your Phone Banking Card Number (the 16-digit of the Credit Card Number), TIN and mobile phone to sign up for Online Banking. For Online Banking registration demonstration, please visit Standard Chartered Bank (Hong Kong) Limited website.
- If you forget your Username or Password after registration, you may reset with your Phone Banking Card Number (Simply Cash Visa Card) and TIN again.
The top-up offer is only applicable to New Cardholders who have never signed up for Online Banking with the Bank on or before 28 February 2019.
MoneyHero.com.hk Exclusive reward of HKD350 supermarket coupon is only applicable to new customers. New customers to redeem the rewards from MoneyHero.com.hk, please send your card face to coupon@moneyhero.com.hk for verification and follow-up. For the details of the redemption step, please refer to here
For your information security, please cover your private information, such as credit card number and expiry date, but leave your name and reference number to verify that your application has been approved.
Promotional period: 1 to 30 June 2019
For your information security, please cover your private information, such as credit card number and expiry date, but leave your name and reference number to verify that your application has been approved.
Promotional period: 1 to 30 June 2019
Unlimited CashBack all year-round: 1.5% CashBack for eligible spending in local currency and 2% CashBack for eligible spending in foreign currencies
Priority Banking/Premium Banking/Bonus Payroll Account clients can enjoy perpetual annual fee waiver for the principal card
Terms and conditions apply
Promotions and Terms and Conditions
MoneyHero.com.hk Exclusive Offer
HK$350 supermarket cash coupon
From 1 to 30 June 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk
Welcome Offers
100% CashBack (up to HKD1,000)
- The welcome offer is only applicable to New Cardholders who submit the Standard Chartered Simply Cash Visa Card application through online channel during the period from 1 March to 2 July 2019 (both dates inclusive) and fulfill relevant requirements. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current application for a principal card of Standard Chartered Credit Cards
- CashBack rewarded under this welcome offer includes the CashBack earned from the prevailing Standard Chartered Simply Cash Rewards Scheme
- New Cardholders must successfully apply for, and being issued with, the principal card of Standard Chartered Simply Cash Visa Card by Standard Chartered Bank (Hong Kong) Limited on or before 31 October 2019 in order to be eligible for this welcome offer
- Eligible transactions are local and overseas retails transactions, online purchase or posted amount of instalment purchase made within the first 2 months from the date of issuance of the newly approved Standard Chartered Simply Cash Visa Card
- Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details
APR/Fees
APR
Minimum Payment
All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher
Late payment charge
EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower
Retail Purchase APR
35.7%
Cash Advance APR
39.09%
Interest Free Repayment Period
Up to 56 days
Fees
Annual fee
$2,000
Foreign Currency Transaction Fee
1.95%
Eligibility
Minimum Age
18 years old
Min. Annual Income
$96,000
Blue Cash Credit Card from American Express
MoneyHero.com.hk Exclusive Offer:
Movie tickets and HK$500 rebate as welcome offer, plus HK$200 coupon + stoneware cocotte set exclusively from MoneyHero.com.hk
Up to $700 rebate for new customers
20% off for specified cinema
Up to $700 rebate for new customers
20% off for specified cinema
Features
Welcome offers: HK$500 cash rebate, 2 complimentary movie tickets and First year annual fee waiver. Apply via MoneyHero.com.hk to get extra HK$200 Wellcome coupon and stoneware cocotte set
Enjoy 1.2% Cashback on everyday purchases, locally and overseas
20% savings on all regular priced and 3D movie tickets at Broadway, PALACE and AMC Cinemas; and Free upgrade on handcrafted beverage at Pacific Coffee
2 complimentary movie tickets for use at Broadway, PALACE and AMC Cinemas (1 movie coupon, redeemable for 2 movie tickets). Movie coupon will be sent to the Basic Cardmember within 8 weeks upon Card approval. Annual card fee is HK$980, and first year annual fee waiver for all applicants. Spend HK$25,000 annually and your annual card fee will be waived for the following year.
Extra HK$200 Wellcome coupon + Le Creuset stoneware cocotte set (Price:HK$999) (Limited while stock lasts): Only applicable to the applicants from MoneyHero.com.hk from 1 to 30 June 2019 and conditions below apply.
Please click here for guide on coupon redemption.
Please note: Le Creuset stoneware cocotte set cannot be shipped, successful applicant need to pick up the set (together with the coupon) at designated collection point.
All matters and disputes are subject to the final decision of MoneyHero.com.hk and AMEX.
Please click here for guide on coupon redemption.
Please note: Le Creuset stoneware cocotte set cannot be shipped, successful applicant need to pick up the set (together with the coupon) at designated collection point.
All matters and disputes are subject to the final decision of MoneyHero.com.hk and AMEX.
Existing Blue CashSM Credit Card from American Express Cardmembers and applicants who have held Blue CashSM Credit Card from American Express (Basic card) at any time within the past 12 months from the date of this application are not eligible for the Welcome Offer and the First Year Annual Fee Waiver.
Promotions and Terms and Conditions
MoneyHero.com.hk Exclusive Offer
HK$200 Wellcome coupon + Le Creuset stoneware cocotte set
From 1 to 30 June 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk
Welcome Offers
HK$500 bonus cashback + 2 movie tickets
- Spend HK$6,000 in the first 2 months
- Apply online successfully
APR/Fees
APR
Minimum Payment
The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Late payment charge
5% of the outstanding minimum payment due (The maximum Late Payment Fee is HK$350 and the minimum Late Payment Fee is HK$220. However, the Late Payment Fee will not exceed the minimum payment due.)
Retail Purchase APR
38.23%
Cash Advance APR
36.07%
Fees
Annual fee
$ 980
Foreign Currency Transaction Fee
2%
Eligibility
Minimum Age
18 years old
Min. Annual Income
No income requirement
American Express I.T Cashback Card
MoneyHero.com.hk Exclusive Offer:
HK$100 coupon + stoneware cocotte set for successful application via MoneyHero.com.hk
$500 supermaket coupon + 2 movie tickets for new customers
20% off for specified cinema
$500 supermaket coupon + 2 movie tickets for new customers
20% off for specified cinema
Features
Welcome offers: HK$500 I.T Gift Certificate, 2 complimentary movie tickets and First year annual fee waive. Apply via MoneyHero.com.hk to get extra HK$100 Wellcome coupon and stoneware cocotte set
Enjoy 1.2% Cashback on everyday purchases, locally and overseas and 2% Cashback on I.T. transaction
Up to 15% savings at I.T stores and 20% savings on all regular priced and 3D movie tickets at Broadway, PALACE and AMC Cinemas
Annual card fee is HK$980, and first year annual fee waiver for all applicants. Spend HK$25,000 annually and your annual card fee will be waived for the following year.
Enjoy 2% (= 1.2% cashback + 0.8% additional cashback) Cashback on I.T. transaction, and up to HK$1,200 additional cashback in promotion period.
Extra HK$100 Wellcome coupon + Le Creuset stoneware cocotte set (Price:HK$999) (Limited while stock lasts): Only applicable to the applicants from MoneyHero.com.hk from 1 to 30 June 2019.
Please click here for guide on coupon redemption.
Please note: Le Creuset stoneware cocotte set cannot be shipped, successful applicants need to pick up the set (together with the coupon) at designated collection point.
Please note that MoneyHero.com.hk exclusive rebate is not applicable for applicants currently, or in the 12 months prior to the date of application for the New Card, hold and/or cancelled any principal credit cards issued by AMEX.
All matters and disputes are subject to the final decision of MoneyHero.com.hk and AMEX.
Please click here for guide on coupon redemption.
Please note: Le Creuset stoneware cocotte set cannot be shipped, successful applicants need to pick up the set (together with the coupon) at designated collection point.
Please note that MoneyHero.com.hk exclusive rebate is not applicable for applicants currently, or in the 12 months prior to the date of application for the New Card, hold and/or cancelled any principal credit cards issued by AMEX.
All matters and disputes are subject to the final decision of MoneyHero.com.hk and AMEX.
Promotions and Terms and Conditions
MoneyHero.com.hk Exclusive Offer
HK$100 Wellcome coupon + Le Creuset stoneware cocotte set
From 1 to 30 June 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk
Welcome Offers
HK$500 I.T Coupon + 2 Movie Tickets
- Spend HK$4,000 in the first 2 months
- Apply online
APR/Fees
APR
Minimum Payment
The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Late payment charge
5% of the outstanding minimum payment due (The maximum Late Payment Fee is HK$350 and the minimum Late Payment Fee is HK$220. However, the Late Payment Fee will not exceed the minimum payment due.)
Retail Purchase APR
38.23%
Cash Advance APR
36.07%
Fees
Annual fee
$ 980
Foreign Currency Transaction Fee
2%
Eligibility
Minimum Age
18 years old
Min. Annual Income
$150,000
Latest newsRead the latest news about financial products in Hong Kong and the best money saving tips.
Read the latest news about financial products in Hong Kong and the best money saving tips.
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What are the differences between the entry level credit cards and other credit cards?
The main differences between entry level credit cards and other credit cards are annual salary requirement, application approval difficulty and credit limit. Since the requirement of low income credit card is lower, the chance of approval will be higher and the banks will decrease the credit limit to reduce risks and prevent applicants from over-spending.
Can I apply for a credit card if I am a student, self-employed or unemployed withour income proof?
The requirements to get different credit cards may vary and some may even have a minimum income requirements. Of course, applicants with proper job or have income proof are more likely to be successful with their applications, but it does not mean that a self-employed or unemployed person will not able to apply for a credit card.
You may consider credit cards for students or of entry level. Most student credit cards, such as WeWa card and DBS COMPASS VISA Tertiary Student Card, only require applicants to submit identity proof, residential proof and a copy of student card. Credit cards with low income requirement, like Citibank Rewards VISA card and HSBC Visa Gold Credit Card, require the minimum annual salary of HK$60,000 only. Applicants just need to provide income proof of designated salary.
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