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Best Student Credit Cards in Hong Kong

Compare credit cards for students in Hong Kong to earn welcome offers, special student discounts, rewards and more. Apply student credit card with no income proof needed. Read More
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We found 11 Credit Cards for you!
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WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive

WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Annual Fee
First 5 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%
Apply and redeem any of these rewards

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 30 April 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)

【PrimeCredit x MoneySmart】From now until May 31 2025, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$300 cash rebate + Welcome offer: Sony Wireless Noise Cancelling Earbuds (WF-1000XM5) (Suggested price: HK$2,490) or American Tourister BRINK SPINNER 29″ EXPANDABLE TSA Luggage (Suggested price: HK$2,980) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 30 Apr 2025 - See more details below
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HSBC Visa Gold Card for Students
MoneySmart Exclusive
Up to $300 RewardCash welcome offer

HSBC Visa Gold Card for Students

RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
RewardCash
$300
【👨🏻‍🎓 Calling All Students: Grab your HSBC card & Earn up to $600 RewardCash!】
From now until 30 April, register the promotion with MoneySmart promo code "MARTFLASH" and apply for the HSBC Visa Gold Card for Students to earn up to $1,600 RewardCash! Don't miss out - Power your student journey now!
Valid until 30 Apr 2025 - See more details below
Apply NowApply directly on MoneySmart
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sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*

sim World Mastercard®️

Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

7 days ONLY!【Spend HK$100, Get HK$500 Cash – Grab 5X Cash Rebate🤑】
From now until 30 April 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend HK$100 within 30 days after card issuance, can earn HK$500 exclusive cash (automatically converted by 5,000 SmartPoints) and will directly deposit into your FPS account! 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$4,599. Enjoy the total rewards of up to HK$5,099!

Valid until 30 Apr 2025 - See more details below
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DBS LIVE FRESH (STUDENT CARD)

DBS LIVE FRESH (STUDENT CARD)

Min. Annual Salary
HK$0
Cash back on Online Overseas spend
1%
Cash Back for Designated Online Transaction
5%
Apply Now
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Mox Credit Card (Miles)
MoneySmart Exclusive
Limited Offer｜Best-in-town Asia Miles rewards

Mox Credit Card (Miles)

Miles Conversion
HKD4 = 1 mile
Foreign transaction fee waived
1.95%
MoneySmart exclusive welcome offer
Up to 15,000 miles + HKD700 rewards

April Limited Offer: Extra HKD200 vouchers💵 +⚡️Flash Offer: Earn HK$4/ Mile in the first 60 days with NO DEPOSIT REQUIREMENT!
🛩 New customers can use the invitation code "MOXMSMILES"and spend HKD5,000 within 60 days can receive 5,000 miles. If you spend HKD15,000, You can receive extra 10,000 miles, in total you can earn up to 15,000 miles! Additionally, if you spend a total of HKD15,000, MoneySmart is exclusively giving you 2,000 SmartPoints! You can redeem HKD200 vouchers from the Rewards Store (with flexible combinations from over 20 brands, including Apple, HKTVmall and more)! *Subject to Mox Card Rewards Welcome Offer Promotion Terms and Conditions.

📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 30 Apr 2025 - See more details below
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EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
3 Complimentary airport lounges access per year

EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply and redeem any of these rewards

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,476 cash rewards】
MS Exclusive: From now until 30 April 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$1,726 : [LTO!] extra HK$300 cash rebate + Welcome offer: 🆙 HK$976 cash rebate (included the extra up to 2% cash rebate) or GoPro HERO 4K action camera (CHDHF-131) (Suggested price: HK$1,600) or Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (Suggested price: HK$2,198) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward fulfilled by PrimeCredit). Including MoneySmart exclusive offer, can earn up to HK$1,476 cash rewards!

Valid until 30 Apr 2025 - See more details below
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Hang Seng enJoy Card
Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fee
Perpetual annual fee waiver
Cash back on local spend
2％
Welcome Offer
Up to 120,000 yuu Points
Read More
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WeWa UnionPay Diamond Card
MoneySmart Exclusive

WeWa UnionPay Diamond Card

Min. Annual Salary
HK$0
Annual Fee
First 2 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%
Apply and redeem any of these rewards

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 30 April 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)

【PrimeCredit x MoneySmart】From now until May 31 2025, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$300 cash rebate + Welcome offer: Sony Wireless Noise Cancelling Earbuds (WF-1000XM5) (Suggested price: HK$2,490) or American Tourister BRINK SPINNER 29″ EXPANDABLE TSA Luggage (Suggested price: HK$2,980) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 30 Apr 2025 - See more details below
Apply Now
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EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply and redeem any of these rewards

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,476 cash rewards】
MS Exclusive: From now until 30 April 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$1,726 : [LTO!] extra HK$300 cash rebate + Welcome offer: 🆙 HK$976 cash rebate (included the extra up to 2% cash rebate) or GoPro HERO 4K action camera (CHDHF-131) (Suggested price: HK$1,600) or Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (Suggested price: HK$2,198) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward fulfilled by PrimeCredit). Including MoneySmart exclusive offer, can earn up to HK$1,476 cash rewards!

Valid until 30 Apr 2025 - See more details below
Apply Now
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Hang Seng MMPOWER World Mastercard®
MoneySmart Exclusive
Get up to 6% +FUN Dollars on overseas spending

Hang Seng MMPOWER World Mastercard®

Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on Overseas foreign currencies spending
Up to 6%
+FUN Dollars rebate on Online Retail Transaction
Up to 5%%

【📱Earn 5% +FUN Dollar Rebate & Welcome Perks with Your NEW PHONE Purchase!】
From now until 30 April, new and existing credit card customers* who successfully applied for the Hang Seng MMPOWER World Mastercard® via MoneySmart, can enjoy an extra 1,000 SmartPoints!
⠀⠀
New and existing customers can use 1,000 SmartPoints to fully redeem HK$100 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) from our Rewards Store.

Valid until 30 Apr 2025 - See more details below
Apply Now
More Details
sim Credit Card
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*

sim Credit Card

Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

7 days ONLY!【Spend HK$100, Get HK$500 Cash – Grab 5X Cash Rebate🤑】
From now until 30 April 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend HK$100 within 30 days after card issuance, can earn HK$500 exclusive cash (automatically converted by 5,000 SmartPoints) and will directly deposit into your FPS account! 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$1,499. Enjoy the total rewards of up to HK$1,999!

Valid until 30 Apr 2025 - See more details below
Apply NowApply directly on MoneySmart
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Best Credit Cards for Students 2023

Student Credit CardBenefitsWelcome Offers
Hang Seng enJoy CardUp to 2.4% Cash Dollars rebate for spending in foreign currencyUp to HK$400 enJoy Dollars
WeWa Union Pay Card 4% Cash Rebate for transactions within specific categoriesUp to HK$300 cash rebate
Citi Clear CardUp to 2% cash rebate for spending in foreign currency online HK$200 Cash Rebate
DBS Live Fresh (Student Card)Up to 6% Cash RebateN/A
AEON UnionPay Credit Card Enjoy 5% off at AEON on "Thanksgiving Days" and permanent annual fee waiver 2% rebate offer
Hang Seng MPOWER Card5％ Cash Dollars rebate in online shopping, overseas spending and mobile paymentUp to 8 movie tickets/ Up to $700 Cash Dollars
HSBC Visa Gold Card (Student)Enjoy up to 2.4% RewardCash rebate on eligible online and overseas transactionsUp to $300 RewardCash

Best Student Credit Cards in Hong Kong

Are you a full-time university or tertiary institution student looking for credit card deals? You are not alone. Students nowadays have all sorts of expenses from tuition fees, exchange programmes to social networking. There are many student credit cards that offer student-specific rewards such as cash rebate on tuition fee payment. Also, if you hold a student credit card early, you will be able to establish a credit history earlier for yourself.

HSBC Student Credit Card - HSBC Visa Gold Card (Student)

HSBC offers HSBC Visa Gold Card that is tailor-made for students. It provides a wide range of rewards in your school life from tuition fee payment, dining, entertainment to online and overseas spending. From now to 2 March 2020, you can enjoy up to 2.4% RewardCash rebate on your tuition fee payment to designated education institutions via the HSBC HK Mobile Banking App or Personal Internet Banking, at a maximum rebate amount of HK$400 RewardCash. In addition to RewardCash rebate on tuition fee payment, you will also enjoy up to 2.4% RewardCash rebate on online and overseas spending by registering for “Red Hot Online and Overseas Spending Rewards” with your HSBC Visa Gold Card.

This HSBC student credit card also offers you exclusive discounts and privileges at a host of merchants. You can enjoy 15% off regular-priced tickets at CGV Cinemas, year-round hotel dining offers at selected hotels such as Harbour Plaza 8 Degrees, The Langham and more, and HK$30 instant discount at the Eslite bookstore for a single transaction of HK$300 or above and HK$300 spending rebate for transactions made on the Cathay Pacific App via Apple Pay.

Citibank Student Credit Card - Citi Clear Card (Student)

If you are a full-time student of any degree/diploma program in an eligible tertiary institution in Hong Kong, you can apply for Citi Clear Student Card. It offers an array of online shopping and entertainment privileges to students in Hong Kong. You can enjoy a 2% cash rebate on online spending in foreign currency and a 0.4% cash rebate on other spendings. To provide you with peace of mind, Citi will send you SMS alerts whenever your online transaction reaches HK$500. With this Citibank Student Credit Card, you can also enjoy priority bookings on entertainment shows and buy 1-get-1-free movie tickets every Friday to Sunday.

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Student Credit Card Promotions & Offers

No Minimum Income Requirements

Many student credit cards including Hang Seng enJoy Card, WeWa Union Pay Card, Citi Clear Card, AEON UnionPay Credit Card and EarnMORE UnionPay Card do not have minimum income requirement. However, students are required to submit proof of student status.

Annual Fee Waiver

Some credit cards offer an annual fee waiver. For example, Hang Seng enJoy Card offers perpetual annual fee waiver while WeWa Union Pay Card and Citi Clear Card offer a 2-year and 1-year annual fee waiver. In general, cardholders can usually request for an annual fee waiver if your credit card is actively in use.

Rewards

Credit cards offer a host of rewards from cash rebate to air miles and more. For example, WeWa Union Pay Card offers up to 4% Cash Rebate for spending in specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”) throughout the year. With EarnMORE UnionPay Card, cardholders can earn up to 2% Cash Rebate for eligible transactions including Octopus AAVS. Citi Clear Card even offers Buy-1-Get-1-Free 3D and 2D movie tickets from every Friday to Sunday.

How to Apply for a Student Credit Card?

  • Most banks require the student credit card applicants to be full-time University or Tertiary Institution students
  • Applicants have to be over the age of 18
  • Most banks do not have a minimum annual income requirement
  • You will have to provide proper documentation such as identification proof, residential address proof, and a valid Tertiary student identity card

    • University Student Credit Cards V.S. Student Credit Cards From Finance Institutions

    Co-branded credit cards for students are usually designed to provide offers within the campus only. Also, part of the spending will be donated to the related institution for school development. Student credit cards from finance institutions provide a host of everyday benefits. For example, with WeWa Union Pay Card, cardholders can enjoy up to 4% Cash Rebate for spending in specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”).

    Movie Ticket Offers of Student Credit Cards

    Offer 1

    HSBC Visa Gold Card

    Enjoy 15% off regular-priced movie tickets and 5% off popcorn and cup beverages at CGV Cinemas.

    Offer 2

    Hang Seng MPOWER Card

    Besides online handing fee waiver, cardholders can use $1 Cash Dollar to redeem an extra movie ticket on every last Friday of each month upon buying a regular-priced ticket of the same show at MCL Cinemas.

    Offer 3

    Wewa Card

    Enjoy buy-1-get-1 free 2D/3D/IMAX 2D regular-priced movie tickets on Fridays in UA cinemas.

    Offer 4

    Citi Clear Card

    Enjoy buy-1-Get-1-Free 3D and 2D movie tickets from Friday, to Sunday at Cinema City.

    Student Credit Card Welcome Offers

    Credit cards offer an array of welcome offers if cardholders can meet the spending requirements set out by the card issuer within a specified time frame. For example, Citi Clear Card offers HK$200 cash rebate as welcome offers if cardholders can accumulate spending of HK$2,500 or above within the first 2 months from the date of card issuance.

    Frequently Asked Questions

    Which student credit cards are the most popular?

    Popular student credit cards include: WeWa UnionPay Diamond Card (4% cash back on travel spending) and HSBC Visa Gold Card for Students (2.4% RewardCash on tuition fee payment). Apply on MoneySmart now for extra rewards!

    How to check if a credit card accepts student applicants?

    Most major banks offer student credit cards such as HSBC, Hang Seng, Citi, etc. However, please note that some applications are only open to students from specified institutions.

    Can you use a credit card to pay off student loans?

    Yes. With designated credit cards, you can even earn air miles or cash rebate for paying school fees. With Hang Seng enJoy Card, you can get HK$1 Cash Dollars for every HK$200, i.e. 0.5% rebate.

    What banks offer student credit cards?

    There are many banks offering student credit cards. For example, Hang Seng enJoy Card, WeWa Union Pa Card, Citi Clear Card, AEON UnionPay Credit Card, HSBC Visa Gold Card and EarnMORE UnionPay Card.

    Can I get a student credit card without a job?

    Most student credit cards do not have a minimum income requirement. However, please note that some credit cards are only applicable to students from selected institutions.

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