Are you eligible?

• • Advertisement information provided by Hang Seng Bank Limited.
    MoneySmart may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation.

  • * "New credit card customer" refers to Principal Card applicants who are not holding currently and / or have not held in the preceding 12 months the Principal Card of any personal credit card / affinity card / co-branded card (excluding spending card and private label card) issued by Hang Seng Bank Limited

  • "Existing Credit Card Customers" refer to applicants who are currently holding and / or have ever held the Principal Card of any personal credit card / affinity card / co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.

  • The Welcome Offers are not applicable to Principal Card customers who are currently holding and / or have ever held any enJoy Credit Card / Spending Card during the 12 months immediately preceding the date of application

  • Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)

  • After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page, otherwise the MoneySmart extra rewards will not be entitled.

  • To borrow or not to borrow? Borrow only if you can repay!

What you need to know

1. 【🎁Guaranteed Cash Laisee + A Chance to Win Flight Tickets! 】
   To qualify the additional gift, eligible customers should successfully apply for the designated credit card and get approved, submit a creative answer to the required question: “Share which credit card you use and how you spend to maximize your earnings” (limited to 300 words) on the activity page during the Promotion Period. Complete and submit the redemption form after logging in to MoneySmart on or before 28 February 2025, along with the valid application reference number provided by the bank/ financial institution and the phone number that is linked to your bank account for receiving funds via FPS.
   ⠀⠀
   🌟Eligible Customers whose answers are selected by MoneySmart as the most creative will receive the Upgraded Gifts below:
   ・1st Prize (1 winner): Round-trip Air Ticket from Hong Kong to Tokyo for two person on Hong Kong Airlines
   ・2nd Prize (1 winner): Round-trip Air Ticket from Hong Kong to Bangkok for two person on Hong Kong Airlines
   ・3rd Prize (5 winners): Round-trip Air Ticket from Hong Kong to Taipei for one person on Starlux Airlines
   ・4th Prize (10 winners): gimes II 20" Foldable & Expandable Luggage (Value: HK$1,399)
   *The above offer is subject to Terms and Conditions, please click here for details.

2. Customers must complete and submit the redemption form after logging in to MoneySmart on or before 28 February, 2025

3. New credit card customers who successfully applied for the enJoy card via MoneySmart simply spend HK$1,000 within 30 days after card issuance, can enjoy an extra 10,000 SmartPoints.

4. Existing credit card customers who successfully applied for the enJoy card via MoneySmart simply spend HK$700 within 30 days after card issuance, can enjoy an extra 7,000 SmartPoints.

5. Use 10,000 SmartPoints / 7,000 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
   *SmartPoints will be credited into your SmartPoints Wallet with a validity period of one year. T&C applies.

6. 【Welcome Gift】
   Link enJoy Card to yuu Rewards Program and accumulate eligible retail spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent to rewards worth HK$400)