Citi Cash Back 信用卡
現金回贈
無上限1%
最低年薪要求
HK$12萬
結婚使費慳錢四步曲：擺酒／婚紗攝影／度蜜月／買樓
準新人們，千萬不可錯過以下結婚使費慳錢攻略！
從結婚擺酒、海外婚攝、蜜月旅行及上車買樓，
MoneyHero為你一網打盡，推薦不同慳錢方法，結婚都唔驚銀行存款等於零！
.jpg?width=600&height=300&name=20230503%20Wedding%20Thematic%20EDM%20D-PJ23_0302%20Others-V01_EDM%20SP%20-%20Standalone%20(600x300).jpg)
結婚平均預算？
結婚請親朋好友見證喜事需要準備一筆大錢！根據2022年ESDlife生活易的「全港結婚消費調查」，發現於2022年至2024年間籌備結婚之新人，結婚總開支平均約HK$38萬。無論擺酒、影婚紗相、蜜月旅行，都需要大額的費用，究竟用信用卡又可否賺取回贈？如何簽賬才可以賺取更多回贈？
精選結婚信用卡2023
結婚每一個步驟均屬大額簽賬，一般海外婚攝大約都要HK$25,000起跳，以下推介迎新里數及現金回贈高的信用卡，憑卡簽婚禮使費，可賺回贈慳旅費或日常開支！
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"],"pros":["最適合短期內進行大額消費人士","MoneyHero限時獨家優惠
- 全新Citi信用卡客戶符合指定條件，可選以下MoneyHero限時獨家獎賞 - Delsey ECLIPSE SE 31\" 前揭式可擴充四輪行李箱(價值HK$4,280；顏色隨機) / Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / BRUNO BOE053 橢圓電熱鍋 (價值HK$1,598；顏色隨機) / HK$1,600 Apple Store禮品卡 或 惠康超市禮券
重要日期 獎賞條件 2023年11月30日下午6時至2024年1月2日下午6時期間 Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡 收到獎賞換領表格後7日內 填妥及遞交較早前經電郵發出之「獎賞換領表格」
2024年2月1日或之前 必須成功獲批並啟動申請之信用卡
成功批卡後30日內 憑卡簽賬滿HK$2,000 (增值PayMe/支付寶AliPay/WeChat Pay可計算在內)
- 申請小貼士：
- 申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
- 申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)
- 建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠
- 指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡；不適用於學生卡
- 如對是次推廣活動之換領流程有疑問，可參閱活動之條款及細則
","💰「零成本」賺盡獎賞回贈﹕Citi Cash Back卡終極回贈方法分析","增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！","獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額 - 2% 本地食肆簽賬回贈
- 2% 本地酒店簽賬回贈
- 2% 外幣簽賬回贈
- 1% 其他零售簽賬回贈
- 當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬
","免費購物保障保險- 於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償
","首年免年費","【免費！MoneyHero x Deliveroo優惠】
- 經MoneyHero出卡，無論批卡與否，都可享6個月免費Deliveroo Plus Silver會籍！申請卡後2星期左右優惠碼就可到手！
Deliveroo Plus Silver 會籍福利：
- 單單免運費: 只需消費滿$250，即享免運費！
- 解鎖「戶戶賞」: 於同一間戶戶賞商戶累積3張滿$150的訂單，第4張訂單即可享減$85優惠！「戶戶賞」勳章之餐廳高達1,000間，包括NOC Coffee、KFC、Shake Shack！
- 外賣自取低至75折: 無最低消費！免排隊！於指定餐廳叫外賣自取享低至75折優惠！
更多詳情
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(價值HK$3,499；顏色隨機) / BRUNO BOE053 橢圓電熱鍋 (價值HK$1,598；顏色隨機) / HK$1,600 Apple Store禮品卡 或 惠康超市禮券</strong></li> </ul> <table style="width: 97.6648%;"> <tbody> <tr style="height: 30px;"> <td style="width: 47.7395%; text-align: center; height: 26px;"><strong>重要日期</strong></td> <td style="width: 51.0823%; text-align: center; height: 26px;"><strong>獎賞條件</strong></td> </tr> <tr style="height: 30px;"> <td style="width: 47.7395%; border-top: 1px solid #ededed; height: 30px;">2023年11月30日下午6時至2024年1月2日下午6時期間</td> <td style="width: 51.0823%; border-top: 1px solid #ededed; height: 30px;">Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡</td> </tr> <tr> <td style="height: 50px; width: 47.7395%; border-top: 1px solid #ededed;">收到獎賞換領表格後7日內</td> <td style="height: 50px; width: 51.0823%; border-top: 1px solid #ededed;"> <p>填妥及遞交較早前經電郵發出之「獎賞換領表格」</p> </td> </tr> <tr style="height: 30px;"> <td style="width: 47.7395%; border-top: 1px solid #ededed; height: 30px;">2024年2月1日或之前</td> <td style="width: 51.0823%; border-top: 1px solid #ededed; height: 30px;"> <p>必須成功獲批並啟動申請之信用卡</p> </td> </tr> <tr style="height: 50px;"> <td style="width: 47.7395%; height: 18px; border-top: 1px solid #ededed;">成功批卡後30日內</td> <td style="width: 51.0823%; height: 18px; border-top: 1px solid #ededed;">憑卡簽賬滿HK$2,000 (增值PayMe/支付寶AliPay/WeChat Pay可計算在內) </td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)</li> <li>建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li><li>指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡；不適用於學生卡 </li> <li>如對是次推廣活動之換領流程有疑問，可參閱活動之<a href="https://moneyhero.link/cc-citi-cashback-rewards-pm-prestige-tnc-listing" target="_blank" rel="noopener">條款及細則</a></li> </ul> </li> </ul>, 💰「零成本」賺盡獎賞回贈﹕<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/%E8%A7%A3%E6%A7%8Bciti-cash-back%E4%BF%A1%E7%94%A8%E5%8D%A1" target="_blank" ga-category="credit-card" ga-action="product panel - clicked" ga-label="/blog/zh/解構citi-cash-back信用卡-ALL;">Citi Cash Back卡終極回贈方法分析</a>, <strong>增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！<strong>, <strong>獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額</strong> <ul> <li>2% 本地食肆簽賬回贈</li> <li>2% 本地酒店簽賬回贈</li> <li>2% 外幣簽賬回贈</li> <li>1% 其他零售簽賬回贈</li> <li>當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬</li> </ul>, <strong>免費購物保障保險</strong><ul><li>於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償</li></ul>, <strong>首年免年費</strong>, <p><strong>【免費！MoneyHero x Deliveroo優惠】</strong></p><ul><li>經MoneyHero出卡，無論批卡與否，都可享6個月免費Deliveroo Plus Silver會籍！申請卡後2星期左右優惠碼就可到手！<ul> <p>Deliveroo Plus Silver 會籍福利：<li>單單免運費: 只需消費滿$250，即享免運費！<li>解鎖「戶戶賞」: 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title={key=CASHBACK_OVERSEAS_ONLINE_SHOPPING, display=外幣網購現金回贈}, sortValue=-2000, displayValue=2, tooltip=null, description=使用網上外幣簽賬, prefix=, suffix=%}, {__typename=CompareElementSimple, title={key=CASHBACK_OVERSEAS, display=海外消費現金回贈}, sortValue=-2000, displayValue=2, tooltip=null, description=海外或網上外幣簽賬, prefix=, suffix=%}, {__typename=CompareElementSimple, title={key=CASHBACK_WELCOME_OFFER, display=迎新現金回贈}, sortValue=9007199254740991, displayValue=不適用, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=CASHBACK_OCTOPUS, display=八達通增值現金回贈}, sortValue=9007199254740991, displayValue=不適用, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=外幣兌換手續費}, sortValue=1950, displayValue=1.95, tooltip=null, description=, prefix=, suffix=%}, {__typename=CompareElementSimple, title={key=INTEREST_FREE_PERIOD, display=免息還款期限}, sortValue=-58000, displayValue=58, tooltip=null, description=, prefix=, suffix=日}, {__typename=CompareElementSimple, title={key=OCTOPUS_MAXIMUM_TOP_UP_VALUE, display=八達通自動增值上限}, sortValue=-250000, displayValue=250, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, sortValue=120000000, displayValue=120,000, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=AIRPORT_LOUNGE_ACCESS, display=免費享用貴賓室次數}, sortValue=-9007199254740990, displayValue=無限, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=ANNUAL_FEE, display=年費 (港幣)}, sortValue=1800000, displayValue=1,800, tooltip=null, description=, prefix=$, suffix=}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaLmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1jYXNoLWJhY2stY2MtemgtcnA.5JhitXY_rYg5jwui8IvH-4X9bxLefJ44U4edy5kjdWDtfcbhpEmOYvwNmcojaWq-rmyPspCz8fpMs3pDimQHAQ, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=citi-cash-back-card}, rateTableEntries=null, fees=null, defaults=null}, provider={alias=citibank, providerName=花旗銀行}, description={shortDescription=[本地食肆、本地酒店及外幣簽賬自動無上限2%回贈, 免費購物保障保險]}, productName=Citi Cash Back 信用卡, title=HK.CC.CITI0018.CITICASHBACKCARD, features={title=Features, pros=[最適合短期內進行大額消費人士,
MoneyHero限時獨家優惠
- 全新Citi信用卡客戶符合指定條件，可選以下MoneyHero限時獨家獎賞 - Delsey ECLIPSE SE 31" 前揭式可擴充四輪行李箱(價值HK$4,280；顏色隨機) / Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / BRUNO BOE053 橢圓電熱鍋 (價值HK$1,598；顏色隨機) / HK$1,600 Apple Store禮品卡 或 惠康超市禮券
重要日期 獎賞條件 2023年11月30日下午6時至2024年1月2日下午6時期間 Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡 收到獎賞換領表格後7日內 填妥及遞交較早前經電郵發出之「獎賞換領表格」
2024年2月1日或之前 必須成功獲批並啟動申請之信用卡
成功批卡後30日內 憑卡簽賬滿HK$2,000 (增值PayMe/支付寶AliPay/WeChat Pay可計算在內)
- 申請小貼士：
- 申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
- 申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)
- 建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠
- 指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡；不適用於學生卡
- 如對是次推廣活動之換領流程有疑問，可參閱活動之條款及細則
, 💰「零成本」賺盡獎賞回贈﹕Citi Cash Back卡終極回贈方法分析, 增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！, 獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額 - 2% 本地食肆簽賬回贈
- 2% 本地酒店簽賬回贈
- 2% 外幣簽賬回贈
- 1% 其他零售簽賬回贈
- 當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬
, 免費購物保障保險- 於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償
, 首年免年費, 【免費！MoneyHero x Deliveroo優惠】
- 經MoneyHero出卡，無論批卡與否，都可享6個月免費Deliveroo Plus Silver會籍！申請卡後2星期左右優惠碼就可到手！
Deliveroo Plus Silver 會籍福利：
- 單單免運費: 只需消費滿$250，即享免運費！
- 解鎖「戶戶賞」: 於同一間戶戶賞商戶累積3張滿$150的訂單，第4張訂單即可享減$85優惠！「戶戶賞」勳章之餐廳高達1,000間，包括NOC Coffee、KFC、Shake Shack！
- 外賣自取低至75折: 無最低消費！免排隊！於指定餐廳叫外賣自取享低至75折優惠！
更多詳情
], cons=[MoneyHero獨家優惠不適用於學生卡, 迎新獎賞及MoneyHero獨家優惠只適用於現在不持有及由申請認可信用卡當月起計過去12個月內不曾持有或不曾取消任何由花旗銀行所發行之Citi信用卡之客戶（「新客戶」）, 2%外幣簽賬回贈不適用於於歐洲經濟區的國家之持卡簽賬 - 2%外幣簽賬回贈不包括在參與歐洲經濟區（「EEA」）的任何國家或於2019年10月19日之後加入EEA的任何國家之具有固定營業地址或於當地註冊的實體店商戶的持卡簽賬。該持卡簽賬定義為基本回贈之合資格簽賬，可獲1%基本回贈
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18 歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=120000, description={shortDescription=HK$120,000, longDescription=null, tooltip=null}}], apr=[{type={key=MINIMUM_PAYMENT, display=最低還款額}, value=null, description={shortDescription=a. 本月月結單所收取的財務費用、年費、逾期手續費、逾期未付款額、其他費用及收費（如有）；及
b. 月結單結欠之1.5% （月結單結欠不包括上述項目a（如適用））；及
c. 所有未償還借貸本金（定義見Citi信用卡「Quick Cash」套現分期計劃之條款及細則和Citi信用卡「分期更好使」計劃之條款及細則）的1.5%（如適用）, longDescription=null, tooltip=null}}, {type={key=LATE_CHARGE, display=逾期費用}, value=null, description={shortDescription=每次HK$300/CNY300/US$40或收取逾期手續費的月份上一個月月結單之最低付款額，以較低者為準, longDescription=null, tooltip=null}}, {type={key=RETAIL_APR, display=零售交易實際年利率}, value=null, description={shortDescription=34.28%, longDescription=null, tooltip=null}}, {type={key=CASH_APR, display=透支現金實際年利率}, value=null, description={shortDescription=35.81%, longDescription=null, tooltip=null}}, {type={key=INTEREST_FREE_PERIOD, display=免息還款期限}, value=null, description={shortDescription=58 日, longDescription=null, tooltip=null}}], fees=[{type={key=ANNUAL_FEE, display=年費 (港幣)}, value=null, description={shortDescription=HK$1,800, longDescription=null, tooltip=null}}, {type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=外幣兌換手續費}, value=null, description={shortDescription=1.95%, longDescription=null, tooltip=null}}], offers={welcomeOffers=[{reward=[]}], exclusiveOffers=[{reward=[]}], additionalOffers=null}}
Debug data
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opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, product_moneyhero={ad_hoc_comparables=[{comparable_label=<span style="color: #ff6c6c;">現金回贈</span>, 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1px solid #ededed; height: 30px;\">2024年2月1日或之前</td> <td style=\"width: 51.0823%; border-top: 1px solid #ededed; height: 30px;\"> <p>必須成功獲批並啟動申請之信用卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 47.7395%; height: 18px; border-top: 1px solid #ededed;\">成功批卡後30日內</td> <td style=\"width: 51.0823%; height: 18px; border-top: 1px solid #ededed;\">憑卡簽賬滿HK$2,000 (增值PayMe/支付寶AliPay/WeChat Pay可計算在內) </td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)</li> <li>建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li><li>指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡；不適用於學生卡 </li> 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ECLIPSE SE 31\" 前揭式可擴充四輪行李箱(價值HK$4,280；顏色隨機) / Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / BRUNO BOE053 橢圓電熱鍋 (價值HK$1,598；顏色隨機) / HK$1,600 Apple Store禮品卡 或 惠康超市禮券</strong></li> </ul> <table style=\"width: 97.6648%;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"width: 47.7395%; text-align: center; height: 26px;\"><strong>重要日期</strong></td> <td style=\"width: 51.0823%; text-align: center; height: 26px;\"><strong>獎賞條件</strong></td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 47.7395%; border-top: 1px solid #ededed; height: 30px;\">2023年11月30日下午6時至2024年1月2日下午6時期間</td> <td style=\"width: 51.0823%; border-top: 1px solid #ededed; height: 30px;\">Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡</td> </tr> <tr> <td style=\"height: 50px; width: 47.7395%; border-top: 1px solid #ededed;\">收到獎賞換領表格後7日內</td> <td style=\"height: 50px; width: 51.0823%; border-top: 1px solid #ededed;\"> <p>填妥及遞交較早前經電郵發出之「獎賞換領表格」</p> </td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 47.7395%; border-top: 1px solid #ededed; height: 30px;\">2024年2月1日或之前</td> <td style=\"width: 51.0823%; border-top: 1px solid #ededed; height: 30px;\"> <p>必須成功獲批並啟動申請之信用卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 47.7395%; height: 18px; border-top: 1px solid #ededed;\">成功批卡後30日內</td> <td style=\"width: 51.0823%; height: 18px; border-top: 1px solid #ededed;\">憑卡簽賬滿HK$2,000 (增值PayMe/支付寶AliPay/WeChat Pay可計算在內) </td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)</li> <li>建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li><li>指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡；不適用於學生卡 </li> 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Silver會籍！申請卡後2星期左右優惠碼就可到手！<ul> <p>Deliveroo Plus Silver 會籍福利：<li>單單免運費: 只需消費滿$250，即享免運費！<li>解鎖「戶戶賞」: 於同一間戶戶賞商戶累積3張滿$150的訂單，第4張訂單即可享減$85優惠！「戶戶賞」勳章之餐廳高達1,000間，包括NOC Coffee、KFC、Shake Shack！<li>外賣自取低至75折: 無最低消費！免排隊！於指定餐廳叫外賣自取享低至75折優惠！</p></ul> <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24141255772569\">更多詳情</a></ul>"],"cons":["MoneyHero獨家優惠不適用於學生卡","迎新獎賞及MoneyHero獨家優惠只適用於現在不持有及由申請認可信用卡當月起計過去12個月內不曾持有或不曾取消任何由花旗銀行所發行之Citi信用卡之客戶（「新客戶」）","<strong>2%外幣簽賬回贈不適用於於歐洲經濟區的國家之持卡簽賬</strong> <ul> <li>2%外幣簽賬回贈不包括在參與歐洲經濟區（「EEA」）的任何國家或於2019年10月19日之後加入EEA的任何國家之具有固定營業地址或於當地註冊的實體店商戶的持卡簽賬。該持卡簽賬定義為基本回贈之合資格簽賬，可獲1%基本回贈</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 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Cash」套現分期計劃之條款及細則和Citi信用卡「分期更好使」計劃之條款及細則）的1.5%（如適用）","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"逾期費用"},"value":null,"description":{"shortDescription":"每次HK$300/CNY300/US$40或收取逾期手續費的月份上一個月月結單之最低付款額，以較低者為準","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"零售交易實際年利率"},"value":null,"description":{"shortDescription":"34.28%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"透支現金實際年利率"},"value":null,"description":{"shortDescription":"35.81%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"免息還款期限"},"value":null,"description":{"shortDescription":"58 日","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"年費 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渣打國泰Mastercard
里數回贈
HK$6/里
最低年薪要求
HK$9.6萬
獨家優惠
【1月2日中午12時截止】全新渣打信用卡客戶經MoneyHero成功申請，限時獨家優惠HK1,000 HKTVmall電子購物禮券 或 HK$1,000 Apple Store禮品卡 或 HK$1,000 hutchgo電子禮券；另享高達63,000里數升級迎新獎賞！
【推薦人獎上獎活動】成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 HKTVmall現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！即睇詳情
Debug data (JSON)
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\t \t\t \t\t\t重要日期 \t\t\t獎賞條件 \t\t \t\t \t\t\t \t\t\t2023年11月30日中午12時至2024年1月2日中午12時
\t\t\t \t\t\t \t\t\t全新渣打信用卡客戶經MoneyHero成功申請渣打國泰Mastercard
\t\t\t \t\t \t\t \t\t\t收到獎賞換領表格後7日內 \t\t\t填妥及遞交較早前經電郵發出之「獎賞換領表格」 \t\t \t\t \t\t\t2024年1月31日或之前 \t\t\t成功獲批信用卡（批核以銀行系統紀錄為準） \t\t \t\t \t\t\t指定信用卡成功獲批後7日內 \t\t\t連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格 \t\t \t
\t- 申請小貼士： \t
\t\t- 請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」
\t\t- 申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
\t\t- 申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：渣打信用卡申請流程教學及拍攝身份證Tips
\t\t- MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關
\t\t- 優惠受條款及細則約束
\t
\t
","迎新禮遇 - 高達60,000里數
由2023年9月28日至2024年1月8日（包括首尾兩天），全新信用卡客戶成功申請渣打國泰Mastercard及符合相關要求，可享高達60,000里數。
新卡獲發出後首2個月內累積合資格簽賬 兌換率（港幣兌換「亞洲萬里通」里數） 「亞洲萬里通」里數上限 HK$1,000 HK$0.2 = 1里 5,000里 HK$5,000 HK$0.33 = 1里 15,000里 HK$40,000 HK$1 = 1里 40,000里 HK$100,000 HK$1.67 = 1里 60,000里 高達60,000里
","冬日迎新禮遇 - 額外3,000里數
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- 食肆、網上及海外之合資格簽賬可享HK$4 = 1「亞洲萬里通」里數
- 其他類別之合資格簽賬可享HK$6 = 1「亞洲萬里通」里數
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- 酒店住宿、租車服務及旅遊體驗獎勵
- 餐膳美食獎勵或使用里數支付賬單
- 延續里數有效期、轉贈里數或禮贈里數
","Agoda推廣優惠：渣打銀行信用卡用戶專享，預訂全球酒店低至93折
","首年年費豁免
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Debug data (Print)
Debug data (Raw)
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description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=AIRPORT_LOUNGE_ACCESS, display=免費享用貴賓室次數}, sortValue=-9007199254740990, displayValue=無限, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=ANNUAL_FEE, display=年費 (港幣)}, sortValue=2000000, displayValue=2,000, tooltip=null, description=, prefix=$, suffix=}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaJ2h0dHBzOi8vbW9uZXloZXJvLmxpbmsvc3RjaC1jbS1jYy16aC1ycA.XnXeqHk02TU0caMLsy8vIDLGFiAT3EAeiVUQ7NNMaxPBtN5S2l6Ej6z8qm8WQBsmdlyT9XcbKtgI4J55d682Dg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=standard-chartered-cathay-mastercard}, rateTableEntries=null, fees=null, defaults=null}, provider={alias=standard-chartered, providerName=渣打銀行}, description={shortDescription=[迎新低至HK$0.2 = 1「亞洲萬里通」里數；國泰及HK Express之合資格簽賬可享高達HK$2 = 1 「亞洲萬里通」里數；首年免年費, 以9折里數兌換「亞洲萬里通」獎勵]}, productName=渣打國泰Mastercard, title=HK.CC.STCH0006.STANDARDCHARTEREDCATHAYMASTERCARD, features={title=Features, pros=[<p>👛小額簽賬可賺盡迎新里數？<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/解構-渣打國泰萬事達卡" target="_blank">解構渣打國泰Mastercard</a></p>, <p><strong>MoneyHero限時獨家優惠</strong></p> <ul> <li>全新渣打信用卡客戶符合以下條件，可獲得MoneyHero限時獨家優惠 - HK$1,000 HKTVmall電子購物禮券 或 HK$1,000 Apple Store禮品卡 或 HK$1,000 hutchgo電子禮券</li> </ul> <table style="height:151px; width:100%"> <tbody> <tr> <td style="height:30px; text-align:center; width:48.7568%"><strong>重要日期</strong></td> <td style="height:30px; text-align:center; width:50.065%"><strong>獎賞條件</strong></td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:48.7568%"> <p>2023年11月30日中午12時至2024年1月2日中午12時</p> </td> <td style="border-top:1px solid #ededed; height:30px; width:50.065%"> <p>全新渣打信用卡客戶經MoneyHero成功申請渣打國泰Mastercard</p> </td> </tr> <tr> <td style="border-top:1px solid #ededed; height:35px; width:48.7568%">收到獎賞換領表格後7日內</td> <td style="border-top:1px solid #ededed; height:35px; width:50.065%">填妥及遞交較早前經電郵發出之「獎賞換領表格」</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:48.7568%">2024年1月31日或之前</td> <td style="border-top:1px solid #ededed; height:30px; width:50.065%">成功獲批信用卡（批核以銀行系統紀錄為準）</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:48.7568%">指定信用卡成功獲批後7日內</td> <td style="border-top:1px solid #ededed; height:30px; width:50.065%">連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」</li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/moneyhero%E5%AF%A6%E6%B8%AC-%E6%B8%A3%E6%89%93%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%94%B3%E8%AB%8B%E6%B5%81%E7%A8%8B" target="_blank">渣打信用卡申請流程教學及拍攝身份證Tips </a></li> <li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關</li> <li>優惠受<a href="https://moneyhero.link/cc-scb-cxam-tnc-listing" target="blank">條款及細則</a>約束</li> </ul> </li> </ul>, <p><strong>迎新禮遇 - 高達60,000里數<br /></strong><br />由2023年9月28日至2024年1月8日（包括首尾兩天），全新信用卡客戶成功申請渣打國泰Mastercard及符合相關要求，可享高達60,000里數。</p> <table style="width: 100%;"> <tbody> <tr> <td style="text-align: center; height: 50px;"><strong>新卡獲發出後首2個月內累積合資格簽賬</strong></td> <td style="text-align: center; height: 50px;"><strong>兌換率（港幣兌換「亞洲萬里通」里數）</strong></td> <td style="text-align: center; height: 50px;"><strong>「亞洲萬里通」里數上限</strong></td> </tr> <tr> <td style="text-align: center; border-top: 1px solid #ededed;">HK$1,000</td> <td style="text-align: center; border-top: 1px solid #ededed;">HK$0.2 = 1里</td> <td style="text-align: center; border-top: 1px solid #ededed;">5,000里</td> </tr> <tr> <td style="text-align: center; border-top: 1px solid #ededed;">HK$5,000</td> <td style="text-align: center; border-top: 1px solid #ededed;">HK$0.33 = 1里</td> <td style="text-align: center; border-top: 1px solid #ededed;">15,000里</td> </tr> <tr> <td style="text-align: center; border-top: 1px solid #ededed;">HK$40,000</td> <td style="text-align: center; border-top: 1px solid #ededed;">HK$1 = 1里</td> <td style="text-align: center; border-top: 1px solid #ededed;">40,000里</td> </tr> <tr> <td style="text-align: center; border-top: 1px solid #ededed;">HK$100,000</td> <td style="text-align: center; border-top: 1px solid #ededed;">HK$1.67 = 1里</td> <td style="text-align: center; border-top: 1px solid #ededed;">60,000里</td> </tr> <tr> <td style="text-align: center; border-top: 1px solid #ededed;"> </td> <td style="text-align: center; border-top: 1px solid #ededed;"> </td> <td style="text-align: center; border-top: 1px solid #ededed;"><strong>高達60,000里</strong></td> </tr> </tbody> </table> <p> </p>, <p><strong>冬日迎新禮遇 - 額外3,000里數 <br /></strong><br />全新信用卡客戶成功申請渣打國泰Mastercard及於發卡後首2個月簽賬滿HK$5,000，可享額外3,000里數。</p>, <p><strong>每月簽賬自動兌換「亞洲萬里通」里數，無需繳付里數轉換手續費</strong></p> <ul> <li>國泰及HK Express之合資格簽賬可享高達HK$2 = 1 「亞洲萬里通」里數</li><ul><li>合資格簽賬消費包括國泰機票、購物和國泰假期；以及HK Express機票和免稅品。信用卡客戶直接於國泰及HK Express消費，每累積合資格簽賬滿HK$8,000可享：基本里數獎賞：高達(A)2,000（網上合資格簽賬可享HK$4=(A)1，其他類別之合資格簽賬可享HK$6=(A)1）；及額外里數獎賞：(A)2,000額外里數優惠適用於2023年4月1日至12月31日。在此優惠下，信用卡客戶可獲取合共高達(A)4,000 — 相等於HK$2=(A)1。</li></ul> <li>食肆、網上及海外之合資格簽賬可享HK$4 = 1「亞洲萬里通」里數</li> <li>其他類別之合資格簽賬可享HK$6 = 1「亞洲萬里通」里數</li> </ul>, <p><strong>以9折里數兌換以下「亞洲萬里通」獎勵</strong></p> <ul> <li>酒店住宿、租車服務及旅遊體驗獎勵</li> <li>餐膳美食獎勵或使用里數支付賬單</li> <li>延續里數有效期、轉贈里數或禮贈里數</li> </ul>, <p><strong>Agoda推廣優惠：渣打銀行信用卡用戶專享，預訂全球酒店低至93折</strong></p>, <p><strong>首年年費豁免</strong></p> <ul> <li>新客戶可享首年年費豁免。於上一個年度內（即由信用卡發卡日期之週年日起）符合有關最低總結餘要求之「優先理財」客戶 / 「Premium 理財」客戶或出糧戶口客戶即可享年費豁免。</li> </ul>], cons=[全新信用卡客戶為現時並未持有及於現時所申請渣打信用卡主卡批核日起計之過去6個月內沒有取消任何由渣打銀行(香港)有限公司發行之渣打信用卡或MANHATTAN信用卡主卡之申請人, 任何由信用卡戶口轉賬 / 增值到任何由渣打銀行指定之賬戶包括但不限於八達通銀包及支付寶賬戶、任何以「快速支付系統」或渣打銀行不時新增之電子付款賬戶進行的交易服務、 透過「渣打網上理財」所作的繳費賬項均為不合資簽賬，不可賺取「亞洲萬里通」里數, <p>獎賞優惠受<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt71ea737d88eb7409/61cc232ac52c5b292ce24a05/AOF_TnC_WO_4_1221.pdf" target="_blank">條款及細則</a>約束</p>]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=null, tooltip=null}}], apr=[{type={key=MINIMUM_PAYMENT, display=最低還款額}, value=null, description={shortDescription=所有利息及費用（包括年費）及超逾信用額之全數金額及/或逾期之全數金額 （如適用），加上月結單總結欠的1%。「最低付款額」為上述所有項目之總額或220港元/人民幣，以較高者為準, longDescription=null, tooltip=null}}, 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title=HK.CC.STCH0006.STANDARDCHARTEREDCATHAYMASTERCARD, features={title=Features, pros=[
👛小額簽賬可賺盡迎新里數？解構渣打國泰Mastercard
, MoneyHero限時獨家優惠
- 全新渣打信用卡客戶符合以下條件，可獲得MoneyHero限時獨家優惠 - HK$1,000 HKTVmall電子購物禮券 或 HK$1,000 Apple Store禮品卡 或 HK$1,000 hutchgo電子禮券
重要日期 獎賞條件 2023年11月30日中午12時至2024年1月2日中午12時
全新渣打信用卡客戶經MoneyHero成功申請渣打國泰Mastercard
收到獎賞換領表格後7日內 填妥及遞交較早前經電郵發出之「獎賞換領表格」 2024年1月31日或之前 成功獲批信用卡（批核以銀行系統紀錄為準） 指定信用卡成功獲批後7日內 連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格
- 申請小貼士：
- 請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」
- 申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
- 申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：渣打信用卡申請流程教學及拍攝身份證Tips
- MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關
- 優惠受條款及細則約束
, 迎新禮遇 - 高達60,000里數
由2023年9月28日至2024年1月8日（包括首尾兩天），全新信用卡客戶成功申請渣打國泰Mastercard及符合相關要求，可享高達60,000里數。
新卡獲發出後首2個月內累積合資格簽賬 兌換率（港幣兌換「亞洲萬里通」里數） 「亞洲萬里通」里數上限 HK$1,000 HK$0.2 = 1里 5,000里 HK$5,000 HK$0.33 = 1里 15,000里 HK$40,000 HK$1 = 1里 40,000里 HK$100,000 HK$1.67 = 1里 60,000里 高達60,000里
, 冬日迎新禮遇 - 額外3,000里數
全新信用卡客戶成功申請渣打國泰Mastercard及於發卡後首2個月簽賬滿HK$5,000，可享額外3,000里數。
, 每月簽賬自動兌換「亞洲萬里通」里數，無需繳付里數轉換手續費
- 國泰及HK Express之合資格簽賬可享高達HK$2 = 1 「亞洲萬里通」里數
- 合資格簽賬消費包括國泰機票、購物和國泰假期；以及HK Express機票和免稅品。信用卡客戶直接於國泰及HK Express消費，每累積合資格簽賬滿HK$8,000可享：基本里數獎賞：高達(A)2,000（網上合資格簽賬可享HK$4=(A)1，其他類別之合資格簽賬可享HK$6=(A)1）；及額外里數獎賞：(A)2,000額外里數優惠適用於2023年4月1日至12月31日。在此優惠下，信用卡客戶可獲取合共高達(A)4,000 — 相等於HK$2=(A)1。
- 食肆、網上及海外之合資格簽賬可享HK$4 = 1「亞洲萬里通」里數
- 其他類別之合資格簽賬可享HK$6 = 1「亞洲萬里通」里數
, 以9折里數兌換以下「亞洲萬里通」獎勵
- 酒店住宿、租車服務及旅遊體驗獎勵
- 餐膳美食獎勵或使用里數支付賬單
- 延續里數有效期、轉贈里數或禮贈里數
, Agoda推廣優惠：渣打銀行信用卡用戶專享，預訂全球酒店低至93折
, 首年年費豁免
- 新客戶可享首年年費豁免。於上一個年度內（即由信用卡發卡日期之週年日起）符合有關最低總結餘要求之「優先理財」客戶 / 「Premium 理財」客戶或出糧戶口客戶即可享年費豁免。
], cons=[全新信用卡客戶為現時並未持有及於現時所申請渣打信用卡主卡批核日起計之過去6個月內沒有取消任何由渣打銀行(香港)有限公司發行之渣打信用卡或MANHATTAN信用卡主卡之申請人, 任何由信用卡戶口轉賬 / 增值到任何由渣打銀行指定之賬戶包括但不限於八達通銀包及支付寶賬戶、任何以「快速支付系統」或渣打銀行不時新增之電子付款賬戶進行的交易服務、 透過「渣打網上理財」所作的繳費賬項均為不合資簽賬，不可賺取「亞洲萬里通」里數, 獎賞優惠受條款及細則約束
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=null, tooltip=null}}], apr=[{type={key=MINIMUM_PAYMENT, display=最低還款額}, value=null, description={shortDescription=所有利息及費用（包括年費）及超逾信用額之全數金額及/或逾期之全數金額 （如適用），加上月結單總結欠的1%。「最低付款額」為上述所有項目之總額或220港元/人民幣，以較高者為準, longDescription=null, tooltip=null}}, {type={key=LATE_CHARGE, display=逾期費用}, value=null, description={shortDescription=未付結欠餘額的5%（最低為220港元/人民幣，最高為 350港元/人民幣）或最低付款額，以較低者為準, longDescription=null, tooltip=null}}, {type={key=RETAIL_APR, display=零售交易實際年利率}, value=null, description={shortDescription=35.70%, longDescription=null, tooltip=null}}, {type={key=CASH_APR, display=透支現金實際年利率}, value=null, description={shortDescription=39.09%, longDescription=null, tooltip=null}}, {type={key=INTEREST_FREE_PERIOD, display=免息還款期限}, value=null, description={shortDescription=長達56日, longDescription=null, tooltip=null}}], fees=[{type={key=ANNUAL_FEE, display=年費 (港幣)}, value=null, description={shortDescription=HK$2,000, longDescription=null, tooltip=null}}, {type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=外幣兌換手續費}, value=null, description={shortDescription=1.95%, longDescription=null, tooltip=null}}], offers={welcomeOffers=[{reward=[]}], exclusiveOffers=[{reward=[]}], additionalOffers=null}}
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href=\"https://www.moneyhero.com.hk/blog/zh/解構-渣打國泰萬事達卡\" target=\"_blank\">解構渣打國泰Mastercard</a></p>","<p><strong>MoneyHero限時獨家優惠</strong></p> <ul> \t<li>全新渣打信用卡客戶符合以下條件，可獲得MoneyHero限時獨家優惠 - HK$1,000 HKTVmall電子購物禮券 或 HK$1,000 Apple Store禮品卡 或 HK$1,000 hutchgo電子禮券</li> </ul> <table style=\"height:151px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:48.7568%\"><strong>重要日期</strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:50.065%\"><strong>獎賞條件</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\"> \t\t\t<p>2023年11月30日中午12時至2024年1月2日中午12時</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\"> \t\t\t<p>全新渣打信用卡客戶經MoneyHero成功申請渣打國泰Mastercard</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:35px; width:48.7568%\">收到獎賞換領表格後7日內</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:35px; width:50.065%\">填妥及遞交較早前經電郵發出之「獎賞換領表格」</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\">2024年1月31日或之前</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\">成功獲批信用卡（批核以銀行系統紀錄為準）</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\">指定信用卡成功獲批後7日內</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\">連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>申請小貼士： \t<ul> \t\t<li>請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」</li> \t\t<li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t\t<li>申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/moneyhero%E5%AF%A6%E6%B8%AC-%E6%B8%A3%E6%89%93%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%94%B3%E8%AB%8B%E6%B5%81%E7%A8%8B\" target=\"_blank\">渣打信用卡申請流程教學及拍攝身份證Tips </a></li> \t\t<li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關</li> \t\t<li>優惠受<a href=\"https://moneyhero.link/cc-scb-cxam-tnc-listing\" target=\"blank\">條款及細則</a>約束</li> \t</ul> \t</li> </ul>","<p><strong>迎新禮遇 - 高達60,000里數<br /></strong><br />由2023年9月28日至2024年1月8日（包括首尾兩天），全新信用卡客戶成功申請渣打國泰Mastercard及符合相關要求，可享高達60,000里數。</p> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; height: 50px;\"><strong>新卡獲發出後首2個月內累積合資格簽賬</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>兌換率（港幣兌換「亞洲萬里通」里數）</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>「亞洲萬里通」里數上限</strong></td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$1,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$0.2 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">5,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$5,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$0.33 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">15,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$40,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$1 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">40,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$100,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$1.67 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">60,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\"> </td> <td style=\"text-align: center; border-top: 1px solid #ededed;\"> </td> <td style=\"text-align: center; border-top: 1px solid #ededed;\"><strong>高達60,000里</strong></td> </tr> </tbody> </table> <p> </p>","<p><strong>冬日迎新禮遇 - 額外3,000里數 <br /></strong><br />全新信用卡客戶成功申請渣打國泰Mastercard及於發卡後首2個月簽賬滿HK$5,000，可享額外3,000里數。</p>","<p><strong>每月簽賬自動兌換「亞洲萬里通」里數，無需繳付里數轉換手續費</strong></p> <ul> <li>國泰及HK Express之合資格簽賬可享高達HK$2 = 1 「亞洲萬里通」里數</li><ul><li>合資格簽賬消費包括國泰機票、購物和國泰假期；以及HK Express機票和免稅品。信用卡客戶直接於國泰及HK Express消費，每累積合資格簽賬滿HK$8,000可享：基本里數獎賞：高達(A)2,000（網上合資格簽賬可享HK$4=(A)1，其他類別之合資格簽賬可享HK$6=(A)1）；及額外里數獎賞：(A)2,000額外里數優惠適用於2023年4月1日至12月31日。在此優惠下，信用卡客戶可獲取合共高達(A)4,000 — 相等於HK$2=(A)1。</li></ul> <li>食肆、網上及海外之合資格簽賬可享HK$4 = 1「亞洲萬里通」里數</li> <li>其他類別之合資格簽賬可享HK$6 = 1「亞洲萬里通」里數</li> </ul>","<p><strong>以9折里數兌換以下「亞洲萬里通」獎勵</strong></p> <ul> <li>酒店住宿、租車服務及旅遊體驗獎勵</li> <li>餐膳美食獎勵或使用里數支付賬單</li> <li>延續里數有效期、轉贈里數或禮贈里數</li> </ul>","<p><strong>Agoda推廣優惠：渣打銀行信用卡用戶專享，預訂全球酒店低至93折</strong></p>","<p><strong>首年年費豁免</strong></p> <ul> <li>新客戶可享首年年費豁免。於上一個年度內（即由信用卡發卡日期之週年日起）符合有關最低總結餘要求之「優先理財」客戶 / 「Premium 理財」客戶或出糧戶口客戶即可享年費豁免。</li> </ul>"],"cons":["全新信用卡客戶為現時並未持有及於現時所申請渣打信用卡主卡批核日起計之過去6個月內沒有取消任何由渣打銀行(香港)有限公司發行之渣打信用卡或MANHATTAN信用卡主卡之申請人","任何由信用卡戶口轉賬 / 增值到任何由渣打銀行指定之賬戶包括但不限於八達通銀包及支付寶賬戶、任何以「快速支付系統」或渣打銀行不時新增之電子付款賬戶進行的交易服務、 透過「渣打網上理財」所作的繳費賬項均為不合資簽賬，不可賺取「亞洲萬里通」里數","<p>獎賞優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt71ea737d88eb7409/61cc232ac52c5b292ce24a05/AOF_TnC_WO_4_1221.pdf\" target=\"_blank\">條款及細則</a>約束</p>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"最低還款額"},"value":null,"description":{"shortDescription":"所有利息及費用（包括年費）及超逾信用額之全數金額及/或逾期之全數金額 （如適用），加上月結單總結欠的1%。「最低付款額」為上述所有項目之總額或220港元/人民幣，以較高者為準","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"逾期費用"},"value":null,"description":{"shortDescription":"未付結欠餘額的5%（最低為220港元/人民幣，最高為 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hs_deleted_at=0, productname=渣打國泰Mastercard, hs_name=, hs_updated_by_user_id=60412388}}, reorder_comparables=[]}, static_text={cta_button_label=立即申請, rewards=<span style="color: #ff6c6c;">獨家優惠</span>, see_less=隱藏信息, see_more=更多資訊, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={ad_hoc_comparables={}, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product=Optional.empty, reorder_comparables=[]}, tabs={basic_benefit={show=false, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, benefit_limits={expanded=false, show=false, order_sequence=1, heading=Benefit Limits, items=[]}, eligibility={show=false, expanded=false, order_sequence=1, heading=Eligibility, text=Eligibility}, enhanced_benefit={show=false, expanded=false, order_sequence=1, heading=Enhanced 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product=Optional.empty, reorder_comparables=[]}, style={call_to_action_background={color=#FF9902, opacity=100, rgba=rgba(255, 153, 2, 1), rgb=rgb(255, 153, 2), hex=#FF9902, css=#FF9902}, theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, type=module, promotional={display_within_collapsible=false, show_banner=false, show_promotional_in_card=true}, product_money101={ad_hoc_comparables={}, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product=Optional.empty, comparable_order=[]}})
null
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(港幣)"},"sortValue":2000000,"displayValue":"2,000","tooltip":null,"description":"","prefix":"$","suffix":""}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaJ2h0dHBzOi8vbW9uZXloZXJvLmxpbmsvc3RjaC1jbS1jYy16aC1ycA.XnXeqHk02TU0caMLsy8vIDLGFiAT3EAeiVUQ7NNMaxPBtN5S2l6Ej6z8qm8WQBsmdlyT9XcbKtgI4J55d682Dg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-cathay-mastercard"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"standard-chartered","providerName":"渣打銀行"},"description":{"shortDescription":["迎新低至HK$0.2 = 1「亞洲萬里通」里數；國泰及HK Express之合資格簽賬可享高達HK$2 = 1 「亞洲萬里通」里數；首年免年費","以9折里數兌換「亞洲萬里通」獎勵"]},"productName":"渣打國泰Mastercard","title":"HK.CC.STCH0006.STANDARDCHARTEREDCATHAYMASTERCARD","features":{"title":"Features","pros":["<p>👛小額簽賬可賺盡迎新里數？<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/解構-渣打國泰萬事達卡\" target=\"_blank\">解構渣打國泰Mastercard</a></p>","<p><strong>MoneyHero限時獨家優惠</strong></p> <ul> \t<li>全新渣打信用卡客戶符合以下條件，可獲得MoneyHero限時獨家優惠 - HK$1,000 HKTVmall電子購物禮券 或 HK$1,000 Apple Store禮品卡 或 HK$1,000 hutchgo電子禮券</li> </ul> <table style=\"height:151px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:48.7568%\"><strong>重要日期</strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:50.065%\"><strong>獎賞條件</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\"> \t\t\t<p>2023年11月30日中午12時至2024年1月2日中午12時</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\"> \t\t\t<p>全新渣打信用卡客戶經MoneyHero成功申請渣打國泰Mastercard</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:35px; width:48.7568%\">收到獎賞換領表格後7日內</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:35px; width:50.065%\">填妥及遞交較早前經電郵發出之「獎賞換領表格」</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\">2024年1月31日或之前</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\">成功獲批信用卡（批核以銀行系統紀錄為準）</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\">指定信用卡成功獲批後7日內</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\">連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>申請小貼士： \t<ul> \t\t<li>請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」</li> \t\t<li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t\t<li>申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/moneyhero%E5%AF%A6%E6%B8%AC-%E6%B8%A3%E6%89%93%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%94%B3%E8%AB%8B%E6%B5%81%E7%A8%8B\" target=\"_blank\">渣打信用卡申請流程教學及拍攝身份證Tips </a></li> \t\t<li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關</li> \t\t<li>優惠受<a href=\"https://moneyhero.link/cc-scb-cxam-tnc-listing\" target=\"blank\">條款及細則</a>約束</li> \t</ul> \t</li> </ul>","<p><strong>迎新禮遇 - 高達60,000里數<br /></strong><br />由2023年9月28日至2024年1月8日（包括首尾兩天），全新信用卡客戶成功申請渣打國泰Mastercard及符合相關要求，可享高達60,000里數。</p> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; height: 50px;\"><strong>新卡獲發出後首2個月內累積合資格簽賬</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>兌換率（港幣兌換「亞洲萬里通」里數）</strong></td> <td style=\"text-align: center; height: 50px;\"><strong>「亞洲萬里通」里數上限</strong></td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$1,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$0.2 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">5,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$5,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$0.33 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">15,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$40,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$1 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">40,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$100,000</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">HK$1.67 = 1里</td> <td style=\"text-align: center; border-top: 1px solid #ededed;\">60,000里</td> </tr> <tr> <td style=\"text-align: center; border-top: 1px solid #ededed;\"> </td> <td style=\"text-align: center; border-top: 1px solid #ededed;\"> </td> <td style=\"text-align: center; border-top: 1px solid #ededed;\"><strong>高達60,000里</strong></td> </tr> </tbody> </table> <p> </p>","<p><strong>冬日迎新禮遇 - 額外3,000里數 <br /></strong><br />全新信用卡客戶成功申請渣打國泰Mastercard及於發卡後首2個月簽賬滿HK$5,000，可享額外3,000里數。</p>","<p><strong>每月簽賬自動兌換「亞洲萬里通」里數，無需繳付里數轉換手續費</strong></p> <ul> <li>國泰及HK Express之合資格簽賬可享高達HK$2 = 1 「亞洲萬里通」里數</li><ul><li>合資格簽賬消費包括國泰機票、購物和國泰假期；以及HK Express機票和免稅品。信用卡客戶直接於國泰及HK Express消費，每累積合資格簽賬滿HK$8,000可享：基本里數獎賞：高達(A)2,000（網上合資格簽賬可享HK$4=(A)1，其他類別之合資格簽賬可享HK$6=(A)1）；及額外里數獎賞：(A)2,000額外里數優惠適用於2023年4月1日至12月31日。在此優惠下，信用卡客戶可獲取合共高達(A)4,000 — 相等於HK$2=(A)1。</li></ul> <li>食肆、網上及海外之合資格簽賬可享HK$4 = 1「亞洲萬里通」里數</li> <li>其他類別之合資格簽賬可享HK$6 = 1「亞洲萬里通」里數</li> </ul>","<p><strong>以9折里數兌換以下「亞洲萬里通」獎勵</strong></p> <ul> <li>酒店住宿、租車服務及旅遊體驗獎勵</li> <li>餐膳美食獎勵或使用里數支付賬單</li> <li>延續里數有效期、轉贈里數或禮贈里數</li> </ul>","<p><strong>Agoda推廣優惠：渣打銀行信用卡用戶專享，預訂全球酒店低至93折</strong></p>","<p><strong>首年年費豁免</strong></p> <ul> <li>新客戶可享首年年費豁免。於上一個年度內（即由信用卡發卡日期之週年日起）符合有關最低總結餘要求之「優先理財」客戶 / 「Premium 理財」客戶或出糧戶口客戶即可享年費豁免。</li> </ul>"],"cons":["全新信用卡客戶為現時並未持有及於現時所申請渣打信用卡主卡批核日起計之過去6個月內沒有取消任何由渣打銀行(香港)有限公司發行之渣打信用卡或MANHATTAN信用卡主卡之申請人","任何由信用卡戶口轉賬 / 增值到任何由渣打銀行指定之賬戶包括但不限於八達通銀包及支付寶賬戶、任何以「快速支付系統」或渣打銀行不時新增之電子付款賬戶進行的交易服務、 透過「渣打網上理財」所作的繳費賬項均為不合資簽賬，不可賺取「亞洲萬里通」里數","<p>獎賞優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt71ea737d88eb7409/61cc232ac52c5b292ce24a05/AOF_TnC_WO_4_1221.pdf\" target=\"_blank\">條款及細則</a>約束</p>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"最低還款額"},"value":null,"description":{"shortDescription":"所有利息及費用（包括年費）及超逾信用額之全數金額及/或逾期之全數金額 （如適用），加上月結單總結欠的1%。「最低付款額」為上述所有項目之總額或220港元/人民幣，以較高者為準","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"逾期費用"},"value":null,"description":{"shortDescription":"未付結欠餘額的5%（最低為220港元/人民幣，最高為 350港元/人民幣）或最低付款額，以較低者為準","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"零售交易實際年利率"},"value":null,"description":{"shortDescription":"35.70%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"透支現金實際年利率"},"value":null,"description":{"shortDescription":"39.09%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"免息還款期限"},"value":null,"description":{"shortDescription":"長達56日","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"年費 (港幣)"},"value":null,"description":{"shortDescription":"HK$2,000","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"外幣兌換手續費"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=渣打國泰Mastercard, hs_name=, hs_updated_by_user_id=60412388}})
結婚想擺酒起碼預留HK$15萬開支，包括預訂酒席、化妝、租婚紗及攝影等，就算分開落訂2至3次仍屬大額費用，每次最低消費HK$5萬，仍屬大額費用。把握落訂時機，利用不同信用卡的迎新回贈，如以現金獎賞減低日常開支，或用里數換蜜月機票節省旅費，MoneyHero教大家如何入手！
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擺酒回贈信用卡
年費 |
酒席消費回贈 |
簽HK$15萬回贈幾多？ |
MoneyHero獨家優惠 |
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|---|---|---|---|---|---|
Citi Cash Back 信用卡
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首年免年費
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無上限1%回贈
|
HK$1,500現金回贈
|
【即日起至11月30日】 |
|
渣打國泰Mastercard
|
首年免年費 |
HK$6/里
|
68,333里
|
【即日起至11月30日】 |
|
安信EarnMORE銀聯鑽石卡
|
首2年免年費 |
2%現金回贈 |
HK$3,000現金回贈
|
【即日起至11月30日】 |
|
迎新買機票/訂酒店滿HK$4,000：高達HK$2,700獎賞
渣打Smart信用卡除可免除外幣交易手續費外，迎新亦能抵銷部分旅行成本及賺取現金券獎賞。批卡後首30日內簽滿HK$4,000，可享HK$1,500現金回贈，加上MoneyHero獨家送出價值HK$1,200現金券，合共HK$2,700獎賞。
渣打Smart信用卡：迎新送高達HK$2,700獎賞！
信用卡特點
- 永久免年費
- 特約商戶如HKTVmall、屈臣氏等簽賬：5%回贈*
- 百佳簽賬：8%回贈#
- 外幣簽賬：不設海外交易手續費，0.55%回贈
- 無限次3個月免息分期
*推廣期內特約商戶5%回贈，上限為HK$3,000（即簽賬上限為HK$60,000），推廣期至2023年12月31日
#包括特約商戶5%及額外3%回贈，額外3%回贈上限為HK$300
🎁精選迎新優惠
- 出卡後首1個月内簽賬滿HK$4,000：HK$1,500現金回贈
1/HK$1,500現金回贈；或
2/ 香港環亞優逸庭（Plaza Premium First）使用券2張 + HK$300現金回贈
💰MoneyHero獨家優惠：【無需簽賬送額外獎賞，連同信用卡迎新共HK$2,700獎賞！】即日起至2024年1月2日中午12時，渣打信用卡新客戶經本網申請渣打Smart信用卡，成功批卡後7日內經本網索取奬品兌換表格，無需簽賬可獲HK$1,200 Apple Gift Card／HKTVmall 現金券，加上信用卡迎新優惠，出卡獎上獎！
*記住準備定身份證同埋手機以完成整個申請程序
精選迎新換行李箱信用卡
去旅行瘋狂Shopping、買手信送親友不少得有個容量大而美觀的行李箱！MoneyHero獨家優惠開卡送Delsey旅行喼，Citi信用卡需簽賬滿HK$2,000才符合條件，但只要用作Alipay HK或PayMe增值，便能夠零成本獲取，而信銀Motion信用卡更無需簽賬！
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信銀國際Motion 信用卡 | Citi Cash Back Card |
| 【即日起至12月4日】 Delsey ECLIPSE SE 31" 前揭式可擴充四輪行李箱／ Marshall Stanmore II 家用藍牙喇叭 ／ Nintendo Switch OLED 遊戲主機 ／ AirPods Pro 2／ HK$1,500 Apple Gift Card／ HK$1,500 HKTVmall電子購物禮券 |
【即日起至1月2日】
電子錢包零成本增值HK$2,000： Delsey ECLIPSE SE 31" 前揭式可擴充四輪行李箱／ BRUNO BOE053 橢圓電熱鍋／ Marshall Stanmore II 無線音箱／ HK$1,600 Apple Gift Card／HK$1,600 惠康購物現金券 |
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信用卡特色：
- 外幣簽賬6%回贈 - 網購簽賬：6%回贈（每月回贈上限HK$200） |
信用卡特色： - 外幣、餐飲：無上限2%回贈 - 酒席簽賬：無上限1%回贈 |
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Tip：Citibank旗下信用卡是香港少數將「電子錢包」計入迎新合資格簽賬要求的信用卡，變相表示出卡後共只增值電子錢包（PayMe/支付寶AliPay），就可以「零成本」賺到迎新回贈！
結婚使費慳錢第四步：買樓要用Mortgage Link
新婚夫婦想有自己的安樂窩，買樓做按揭順便開Mortgage Link戶口，透過活期存款賺高息，幫補供樓開支。Mortgage Link是將存款利率與按揭利率掛鈎的儲蓄戶口，MoneyHero簡介Mortgage Link戶口的利息計算方法。
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結婚使費慳錢常見問題
1. 結婚需要幾多錢？
根據2022年ESDlife生活易的「全港結婚消費調查」，結婚開支約HK$38萬。
2. 邊張信用卡幫補到結婚開支？
推介渣打國泰萬事達卡，簽賬HK$6萬迎新里數可達4萬里，婚宴落訂便可賺到蜜月旅行里數，換雙人日韓機票。Citi Cash Back信用卡有無上限1%現金回贈，不怕有簽賬上限！