HK$120,000

Min. Annual Salary

Up to 4%

RewardCash Rebate

1%

Designated spending categories RewardCash Rebate

All Details

• Key Features

  • New Credit Card Customers can enjoy an extra $200 RewardCash if successfully applied for a Cash Instalment Plan

  • Earn RewardCash from every transaction

  • Up to 4% RewardCash rebate for online transaction

  • 2% RewardCash rebate for local supermarket transaction

  • 1% RewardCash rebate for other local and overseas transaction

  • No annual fee

  • Terms and Conditions Apply.

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

Annual Fee Waiver

• No annual fee

Dining

• 1% RewardCash rebate for other local and overseas transaction

Air Miles

• Online spending HK$2.5 per air mile

Cash Back

• Enjoy unlimited instant rewards with no restrictions

• Up to 4% RewardCash rebate for online transaction

• 2% RewardCash rebate for local supermarket transaction

• 1% RewardCash rebate for other local and overseas transaction

Best Credit Cards

• Earn RewardCash from every transaction

• Up to 4% RewardCash rebate for online transaction

• 2% RewardCash rebate for local supermarket transaction

• 1% RewardCash rebate for other local and overseas transaction

Online Shopping

• Up to 4% RewardCash rebate for online transaction

Annual Interest Rate and Fees

Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Interest Free Period	56 days
Annual Interest Rate	35.42%
Late Payment Fees	Minimum payment due or HK$300, whichever is lower
Minimum Monthly Repayment	Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher.
Foreign Currency Transaction Fee	1.95%
Cash Advance Transaction Fee	34.17%

Minimum Income Requirements

Local Resident	HK$120,000
Foreigner	HK$120,000

Card Association

Mastercard

Wireless Payment

Mastercard contactless