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COMPASS VISA Tertiary Student Card

MoneyHero.com.hk Exclusive OfferSponsored Product
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
$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* 1st transaction: HK$100 or above
2nd to 7th transactions: HK$50 or above each time
HK$300 “InstaRedeem” Amount in any retail stores* 1st transaction: HK$100 or above
2nd to 5th transactions: HK$50 or above each time
6 MCL Movie Vouchers* HK$4,800
* Download DBS Omni, register and activate DBS Omni account within 1 month of the New Card issuance date
Promotional period: 1 April 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 April 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.
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 April 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

New Customer must download, register and activate DBS Omni App, then spend HK$100 or above for 1st transaction and HK$50 or above each time for 2nd to 7th transactions to enjoy HK$400 PARKnSHOP “InstaRedeem” Amount. The order of pushing HK$400 “InstaRedeem” amount is: first time HK$100 and subsequent 6 times HK$50.


OPTION 3
HK$300 “InstaRedeem” Amount in any retail stores

New Customer must download, register and activate DBS Omni App, then spend HK$100 or above for 1st transaction and HK$50 or above each time for 2nd to 5th transactions to enjoy HK$300 “InstaRedeem” Amount in any retail stores. The order of pushing HK$300 “InstaRedeem” amount is: first time HK$100 and subsequent 4 times HK$50.


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

EarnMORE Unionpay Card for University Student

Latest OfferSponsored Product
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*
* Only apply to full-time university / tertiary students
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

BEA iTitanium Card for University Student

Latest Offer
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

    WeWa Unionpay Card for University Student

    Latest Offer
    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
    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)
    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
    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
    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.
    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").
    Extra exclusive offer - HK$300 Wellcome cash coupon: Only applicable to the applicants from MoneyHero.com.hk from 11 to 30 April 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.
    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 11 to 30 April 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


    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


    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

    Standard Chartered Simply Cash Visa Card

    MoneyHero.com.hk Exclusive Offer
    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
    • 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.
    Note:
    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 April 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 April 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
    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 April 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.
    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 April 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk

    Welcome Offers
    HK$500 bonus cashback + 2 movie tickets
    1. Spend HK$6,000 in the first 2 months
    2. 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
    HK$150,000

    American Express I.T Cashback Card

    MoneyHero.com.hk Exclusive Offer
    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 April 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.

    Promotions and Terms and Conditions

    MoneyHero.com.hk Exclusive Offer
    HK$100 Wellcome coupon + Le Creuset stoneware cocotte set

    From 1 to 30 April 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk

    Welcome Offers
    HK$500 I.T Coupon + 2 Movie Tickets
    1. Spend HK$4,000 in the first 2 months
    2. 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

    Hang Seng enJoy Platinum Card

    Latest Offer
    Latest Offer:
    Successful applicants can enjoy up to $400 enJoy Dollars and HK$3,500 Designated Merchant Coupons
    Perpetual annual fee waiver
    Enjoy year-round discount offers in designated merchants
    Perpetual annual fee waiver
    Enjoy year-round discount offers in designated merchants

    Features

  • Up to $400 enJoy Dollars (including $100 enJoy Dollars for online application), and
  • HK$3,500 Designated Merchant Coupons
  • *Promotion date: From 1 Jan 2019 to 30 June 2019

    Entitled to 1% enJoy Dollars rebate for spending at the enJoy Card Designated Merchants
    Extra $50 enJoy Dollars for application of supplementary card
    Enjoy year-round dining privileges of up to 20% off at specific outlets of Maxim's Group
    Spending RequirementsCash Dollars Rebate
    Spending of HK$5,000 or above in overseas spending and cash advance in foreign currencies2.4%
    Spending of HK$5,000 or above in any transactions made via online in local and foreign currencies1.2%

    *From 1 Jan 2019 to 30 June 2019

    Spending RewardLimited to a maximum of extra Cash Dollars (Promotion period)Limited to a maximum of extra Cash Dollars (Each Stage)
    Extra 2x Cash Dollars of the “3x Cash Dollars Reward”$1,500
    Extra 3x Cash Dollars of the “6x Cash Dollars Upgrade Reward”$1,000$500
    Apply online successfully and accumulate retail transactions at any enJoy Card Designated Merchants of HK$4,000 within 60 days from the date of new card issuance to enjoy $400 enJoy Dollar

    Promotions and Terms and Conditions

    Welcome Offers
    $400 enJoy Dollars + HK$3,500 Designated Merchant Coupons
    1. HK$3,500 Designated Merchant Coupons: Accumulate retail transactions at any enJoy Card Designated Merchants of HK$4,000 within 60 days from the date of new card issuance to enjoy $400 enJoy Dollar.
    2. $400 enJoy Dollars: up to $300 enJoy Dollars and $100 enJoy Dollars Online Application Extra Reward, i.e. up to $400 enJoy Dollars in total.
    3. To be entitled to the Welcome Gifts, the customer is required to submit the application for enJoy Card and has the card successfully approved during the period from 1 January to 30 June 2019.

    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
    38.37%
    Cash Advance APR
    34.97%
    Interest Free Repayment Period
    56 days
    Fees
    Foreign Currency Transaction Fee
    1.95%

    Eligibility

    Minimum Age
    18 years old
    Min. Annual Income
    $150,000

    Need some help?

    No worries, we've got you covered!

    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.

    Confused about credit card terms?

    Glossary terms to know for first-time credit card users