Up to 8% cashback on online retail transactions*
A must-have for online shopping enthusiasts! Enjoy up to 8% cashback on online retail transactions* and a 3% cashback on eligible local retail transactions* with major designated merchants. Earning cashback by using your card is as simple as that!
3%
Cashback on Eligible Local Spending*
First Year Free
Fee Waiver
N/A
Minimum Income Requirements
MoneySmart Exclusive

【Welcome Offer up to HK$1,470 + Get up to HK$1,600 cashback on NEW iPhone】
From now until 30 November 2024, customers who successfully apply for a designated sim credit card (sim Credit Card/ sim World Mastercard®️) via MoneySmart can earn an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (20+ brand vouchers, including Apple, HKTVmall, UBER etc). Click here to explore limitless possibilities (T&C applied)! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,120. Enjoy the total rewards of up to HK$2,069!
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【Mobile Payment Rewards: Up to 10% CashBack】During the promotion period, simply use sim Credit Card/ sim World Mastercard to accumulate HK$2,000 or more non-online Google Pay/ Apple Pay purchases in individual phases, you can earn up to 10% CashBack on non-online Apply Pay transactions with a single net purchase amount of HK$100 or more!

Valid until 30 Nov 2024 - See more details below

Are you eligible?

    • You need to apply through MoneySmart and your credit card is approved. There are no spending requirements.

    • Must be a new cardholder.
      * Referring to customers who do not currently holding and has not, within the past 12 calendar months from the month of application, cancelled nor held any principal card issued by the Card Issuer; and not currently using any loan or credit services of the Card Issuer or maintaining any loan or credit accounts with the Card Issuer and has not, within the past 24 calendar months from the month 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 form asap; Do not open another web page.

    • 💡Quick Reminder: Speed up your approval process - After completing your online application, please screenshot your reference ID (which should be 88-XXXXXXXXX-X-03XX-thesim), and conduct digital ID verification on the sim Credit Card App. Complete the verification within 3 hours after application, sim will offer an additional HK$50 cash rebate!

What you need to know

  1. Customers must complete and submit the redemption form after logging in to MoneySmart on or before 31 December 2024

  2. 【MoneySmart Exclusive】
    Customers who successfully apply for a designated sim credit card can earn 3,000 SmartPoints (equivalent to HK$300). Customers can redeem any product from the Rewards Store.
    *SmartPoints will be credited into your SmartPoints Wallet with a validity period of one year. T&Cs apply.

  3. 【sim Welcome Offer】
    New sim World Mastercard® holders will be entitled to the following Welcome Offers after fulfilling the relevant spending conditions:
    1. HK$200 CashBack or Apple Store Gift Card or HKTV mall e-coupon or matsukiyo HK Gift Voucher with an accumulated spending of HK$5,000 or above within the 90 calendar days after the card issuance.
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    2. Enjoy 8 Emperor's Cinema movie tickets!
    From now, apply for sim Credit Card / sim World Mastercard® and spending of HK$10,000 or above within 90 calendar days after the card issuance, can earn 8 Emperor's Cinema movie tickets!
    *The promotion is subject to terms and conditions, click here for details.

  4. Mobile Payment Rewards: Up to 10% CashBack
    During the promotion period from 22 October to 31 December 2024, register and use sim Credit Card/ sim World Mastercard to accumulate HK$2,000 or more non-online Google Pay/ Apple Pay purchases in individual phases, you can earn up to 10% CashBack non-online Google Pay/ Apple Pay transactions with a single net purchase amount of HK$100 or more.
    .Maximum CashBack Amount in each phase: (Phase 1) HK$200, (Phase 2) HK$120
    .Maximum CashBack Amount throughout the entire Promotion Period: HK$320
    *Phase 1: 22 October 2024 - 30 November 2024 (both dates inclusive), Phase 2: 1 December 2024 to 31 December 2024 (both dates inclusive),T&Capplied.

T&Cs
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