Perpetual annual fee waiver

Annual fee

2%

Cash back on local spend

Up to 120,000 yuu Points

Welcome Offer

All Details

• Key Features

  • Welcome offer up to 120,000 yuu Points (equivalent to rewards worth HK$600)

  • 4X Points (equivalent to 2% rebate) at Starbucks, Pizza Hut, PHD, KFC and designated Maxims Group Restaurants/ Outlets

  • 3X Points (equivalent to 1.5% rebate) at Wellcome, Mannings, IKEA and 7-Eleven

  • 2X Points (equivalent to 1% rebate) at GNC, Shell and other designated Maxims Group Restaurants/ Outlets

  • Accumulated Reward Points can be used as cash for the next purchase at the Designated Merchants

  • Redeem e-coupons and gift

  • Exclusive Year-round discount offers at the Designated Merchants

  • Perpetual annual fee waiver

  • 【It's Priority Tickets All Round!】With the Hang Seng Credit Card, you can have priority access to purchase tickets for popular concerts, band performances and large-scale music festivals, such as those featuring LISA, SUPER JUNIOR-D&E, Kaho Hung, MIRROR, etc., allowing you to be ahead of the crowd and unlock concert privileges!

Online Shopping

Student

• Student can also apply

Welcome Offers

• Link Card to yuu Rewards Programme and accumulate eligible retail spending of HK$6,000 within 60 days of card issuance, New Credit Card Customers can enjoy 120,000 yuu Points (equivalent to rewards worth HK$600) / Existing Credit Card Customers enjoy 80,000 yuu Points (equivalent to rewards worth HK$400)

Best Credit Cards

Cash Back

• 4X Points (equivalent to 2% rebate) at Starbucks, Pizza Hut, PHD, KFC and designated Maxims Group Restaurants/ Outlets

• 3X Points (equivalent to 1.5% rebate) at Wellcome, Market Place, Mannings, IKEA and 7-Eleven

• 2X Points (equivalent to 1% rebate) at GNC, Shell and other designated Maxims Group Restaurants/ Outlets

• 1X Reward Points rebate (equivalent to 0.5% rebate) at non-designated merchants

• Accumulated Reward Points can be used as cash for next purchase at designated merchants. Every 4,000 Points can redeem for HKD20. The redemption unit will be in a denomination of HKD20, HKD40, and so on. The maximum redemption value per transaction is HKD400.

Dining

• 5% off dine-in and takeaway orders at KFC (Monday to Friday, except public holidays)

• 10% off dine-in a la carte menu item at Pizza Hut or PHD(Monday to Sunday, except specific dates)

Annual Interest Rate and Fees

Annual Principal Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Interest Free Period	Up to 56 days
Annual Interest Rate	35.72%
Late Payment Fees	If the Customer fails to make full payment of the New Balance on or before the Payment Due Date, a late charge of HK$330 or an amount equal to the New Balance (whichever is lower) will be levied each time.
Minimum Monthly Repayment	The Minimum Payment Amount is HK$330 / CNY330 (subject to card type) or the sum of items (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 items (i) to (iii).
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	0.5% of the cash advance amount (minimum HK$100)
Overlimit Fee	HK$200

Promotion

Earn SmartPoints
MoneySmart Exclusive
Apple Gift Card Promo

Minimum Income Requirements

Local Resident	HK$150,000

Card Association

Visa

Wireless Payment

Visa payWave

Plan Materials

Terms and Conditions	Advertisement information provided by Hang Seng Bank Limited. To borrow or not to borrow? Borrow only if you can repay!