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Basic Mortgage
Mortgage Calculator
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Valuation
Property type
If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Property valuation
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Credit Card Comparison

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  • United Asia Finance Limited
  • Hang Seng Bank
  • MOX
  • Prime Credit
  • AEON Credit Service (Asia)
  • American Express
  • Fubon (HK) Bank
  • Citibank
  • HSBC
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sim World Mastercard®️
$150000
Min. Annual Income
8%
Online spending
3%
Cashback Local

    Gift Options

    HK$300 Apple Store Gift Card + HK$50 cash rebate*; or
    HK$300 Wellcome Shopping Voucher + HK$50 cash rebate*


    Terms & Conditions
    From 31 October 2024 6 p.m. till 29 November 2024 6 p.m.: New 「sim Credit Card」Cardholders who have successfully applied and activated physical card via MoneyHero to get HK$300 Apple Store Gift Card OR HK$300 Wellcome Shopping Voucher without any transaction requirement.

    • *Complete digital ID verification within 3 hours after application: additional HK$50 Cash Rebate (provided by sim)
    • Successfully complete the reward form within 7 days after applying
    • By 31 December 2024: Application successfully approved
    • MoneyHero Limited-Time Exclusive Offer is applicable to all new card holders
    • How to redeem MoneyHero exclusive offer?
      • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up
      • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
      • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process
      • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, sim Credit Card has no relation with its redemption, usage and dispute
      • Terms and Conditions apply
      • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

     

    Welcome gift -sim Credit Card x Google Pay & Apple Pay Promotion

    • Promotional Period: 22 October 2024 to 31 December 2024 
      • Phase 1: 22 October to 30 November 2024
      • Phase 2: 1 December to 31 December 2024
         
    Cumulative Amount of Non-online Google Pay/ Apple Pay Purchases reaching below designated amount in each phaseMaximum Cashback% for Non-online Google Pay/ Apple Pay Transactions with a single net purchase amount of HKD100 or more in each phaseMaximum Cashback Amount in each phaseMaximum Cashback Amount throughout the entire Promotion Period
    Phase 1: HKD$2,000 or above10%HKD$200HKD$320
    Phase 2: HKD$2,000 or above6%HKD$120

     

    • For event details: events webpage
    • During the promotion period from 22 October to 31 December 2024., simply use sim Credit Card to accumulate HKD2,000 or more non-online Google Pay/ Apple Pay purchases in individual phases, you can earn up to 10% cashback on non-online Google Pay/ Apple Pay transactions with a single net purchase amount of HKD100 or more.
    • The reward(s) will be automatically awarded to the Eligible Credit Card account of the principal cardholder by the Card Issuer on or before 14 March 2025.
    • If an Eligible Cardholder is issued and holds multiple Eligible Credit Cards at the same time, the accumulated Eligible Transaction amounts will be calculated separately for each Eligible Credit Card account.
    • Please refer to the Terms and Conditions for details
    Hang Seng Travel+ Visa Signature Card
    • [Valid until 30 November 2024, 6pm] HK$200 Wellcome Shopping Voucher
    $150000
    Min. Annual Income
    7%
    Cashback Overseas
    5%
    Cashback Dining

      MoneyHero Exclusive Offer
      Gift Options

      HK$200 Wellcome Shopping Voucher
      Terms & Conditions
      From 31 October 2024, 6 p.m. to 30 November 2024, 6 p.m.

      • New or Existing Hang Seng Bank Credit Card cardholders who successfully apply for participating credit cards via MoneyHero are entitled to HK$200 Wellcome Shopping Voucher

      Important dates :

      • Within 30 days after card issuance: The card must be approved by Hang Seng.
      • How to redeem MoneyHero exclusive offer?
        • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
        • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng Bank.
        • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
      • Tips:
        • Please turn off AdBlocker and private mode before application
        • Terms and Conditions apply
        • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
      sim Credit Card
      • HK$300 Apple Store Gift Card + HK$50 cash rebate
      N/A
      Min. Annual Income
      3%
      Cashback Local
      8%
      Cashback Local Online Shopping

        MoneyHero Time-limited Exclusive Offer

        • From 31 October 2024 6 p.m. till 29 November 2024 6 p.m.: New 「sim Credit Card」Cardholders who have successfully applied and activated physical card via MoneyHero to get HK$300 Apple Store Gift Card OR HK$300 Wellcome Shopping Voucher without any transaction requirement.
        • *Complete digital ID verification within 3 hours after application: additional HK$50 Cash Rebate (provided by sim)
        • Successfully complete the reward form within 7 days after applying
        • By 31 December 2024: Application successfully approved
        • MoneyHero Limited-Time Exclusive Offer is applicable to all new card holders
        • How to redeem MoneyHero exclusive offer?
          • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up
          • Please turn off AdBlocker and private mode before application
          • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process
          • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, sim Credit Card has no relation with its redemption, usage and dispute
          • Terms and Conditions apply
          • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
        Mox Credit
        N/A
        No Requirement
        2%
        Overseas Spending - Cashback Rate
        3%
        Local Spending - Cashback Rate

          Open a Mox Account successfully with the invitation code "MHNOV", successfully apply for Mox Credit Card via MoneyHero and spend HK$15,000 within 60 calendar days after approval to enjoy: Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase (valued at HK$4,280; random colour) / Marshall Motif II A.N.C. True Wireless Headphones (valued at HK$1,599) / DELONGHI EC685 Pump Espresso Coffee Machine (valued at HK$2,160) /HK$1200 Apple Gift Card OR HKTVmall e-Gift Voucher OR Wellcome Shopping Voucher

          • From 4 November 2024 12 noon. to 29 November 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit Card via MoneyHero
          • Within 14 days of after receiving the successful application email from Mox when your Mox Credit Card approved: Submit the reward redemption form sent via email previously
          • The Mox Credit Card must be approved by Mox within 30 days after opening the Mox Bank Account, subject to the Bank’s system records
          • Tips:
            • Successfully open the Mox Bank Account as well as Mox Credit Card and accumulate spending of HK$15,000 within 60 calendar days after approval to receive an email with application reference number (7 or 9 alpha-numeric digits) from Mox in 14 working days. Please submit the reward redemption form sent via email previously within 14 days of after successfully fulfilling the required spending.
            • Please turn off AdBlocker and private mode before application
          PrimeCredit WeWa UnionPay Card for University Student
          N/A
          Min. Annual Income
          Not Available
          Local Spending - Air Miles Conversion
          Local Spending - Cashback Rate
          On designated merchant categories

            MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

            • From 31 October 2024 6 p.m. till 29 November 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Welcome Shopping Voucher.
              Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Welcome Shopping Voucher.
            • How to redeem MoneyHero exclusive offer?
              • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
              • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
            • Tips:
              • Please turn off AdBlocker and private mode before application
              • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
              • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

            Welcome Offer

            From now till 31 March 2025, new PrimeCredit Credit Card Cardholder who successfully applied WeWa UnionPay Diamond Card is entitled to one of the following Welcome Offers upon fulfilling the Eligible Retail Purchase Transactions Requirement specified below:

            Eligible Retail Purchase Transactions RequirementWelcome Offers options
            Spend HK$8,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateA set of standard class round-trip air ticket between Hong Kong and Osaka and HK$100 hotel voucher for a single person
            SONY WH-1000XM4 Wireless Noise Cancelling Headphones
            Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateHK$500 Cash Rebate
            No Spending RequirementUp to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
            University / tertiary students Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from card issuance

            HK$400 Klook e-Gift Card

            (Only for University / tertiary students)

             

            PrimeCredit EarnMORE UnionPay Card for University Student
            N/A

              MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

              • From 31 October 2024 6 p.m. till 29 November 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Welcome Shopping Voucher.
                Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Welcome Shopping Voucher.
              • How to redeem MoneyHero exclusive offer?
                • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
              • Tips:
                • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

              Welcome Offer

              • Spend HK$9,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date :OTO Vanda 2.0 (VN-05); or
              • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date : German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC) or HK$500 Cash Rebate; or
              • Only applicable to Full-time University / Tertiary Student : HK$400 Klook Gift Card; or
              • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program ( No spending requirement)
              AEON CARD WAKUWAKU
              • HK$200 Wellcome Shopping Voucher
              N/A
              Min. Annual Income
              1%
              Cashback Dining
              6%
              Online Spending

                Gift Options

                HK$200 Wellcome Shopping Voucher
                Terms & Conditions
                MoneyHero Exclusive Offer - HK$200 Wellcome Shopping Voucher + HK$200 cash rebate
                New Customers of AEON Card, using the exclusive MoneyHero promo code "MHWAKU" to apply AEON CARD WAKUWAKU via the "AEON HK" Mobile App, can get the MoneyHero exclusive offer of HK$200 Wellcome Shopping Voucher. Upon successful application and credit card approval, you can enjoy HK$200 cash rebate (offered by AEON) upon completion of eligible transactions (based on a single transaction) with your credit card within the billing period.
                How to redeem MoneyHero exclusive offer?
                Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with AEON.
                It may take 16-21 weeks from applications to redemption yet the actual time may vary due to the situation. Please refer to How to redeem exclusive rewards from MoneyHero
                Please refer to terms and conditions for details
                Tips:
                Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

                Hang Seng MMPOWER World Mastercard®
                • HK$1,000 Apple Store Gift Card
                $150000

                  MoneyHero Exclusive Welcome Gift (New to Bank Customer)
                  New Credit Card cardholders* who successfully apply for Hang Seng MMPOWER WorldMastercard® via MoneyHero and spent HK$1,000 within 30 calendar days after approval are entitled to LEGEND WALKER X-Class 31" Expandable Front-opening Suitcase (valued at HK$5,600, random colour) OR Marshall Motif II A.N.C. True Wireless Headphones (valued at HK$1,599)  OR POLARIOD NOW+ I-TYPE Instax (valued at HK$1,599) OR JBL Link 20 Voice-activated portable speaker (valued at HK$1,199 ; random colour) OR HK$1,000 Apple Store Gift Card / Wellcome shopping voucher / Trip.com e-Voucher

                  Important dates :

                  • Within 30 days after card issuance: The card must be approved by Hang Seng.
                    • New Credit Card customers* - Spent HK$1,000 within 30 calendar days after approval.
                  • How to redeem Moneyhero Exclusive Offer?
                    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                    • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                    • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.

                  MoneyHero Exclusive Gift (Existing Customer)

                  • Existing Credit Card cardholders^ who successfully apply for Hang Seng MMPOWER WorldMastercard® via MoneyHero and spent HK$700 within 30 calendar days after approval are entitled to Marshall Willen Bluetooth Speaker (valued at HK$999) OR BRUNO BAK802 Soymilk & Hot Soup Blender (valued at HK$698, random colour) OR HK$700 Apple Store Gift Card / Wellcome shopping voucher / Trip.com e-Voucher

                  Important dates :

                  • Within 30 days after card issuance: The card must be approved by Hang Seng.
                    • Existing Credit Card customer - Spent HK$700 within 30 calendar days after approval.
                  • How to redeem Moneyhero Exclusive Offer?
                    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                    • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                    • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
                  American Express® Gold Business Card
                  • Enjoy enhanced welcome offer of up to HK$2,900!
                  $200000
                  Min. Annual Income
                  0.83%
                  Local Spending - Cashback Rate
                  1%
                  Overseas Spending - Cashback Rate on foreign currency spending
                    • Enjoy enhanced welcome offer of up to HK$2,900! Spend HK$1,000 to earn HK$1,000 statement credit.
                    • Limited Welcome Offer : Top up $300 in octopus via iPhone or Apple watch to get $100 statement credit in the first 3 months
                    • First transaction bonus : HK$200 statement credits upon first transaction made within the first 3 months upon Basic Card approval
                    • Welcome Bonus : HK$800 statement credits upon first HK$1,000 spend in the first 3 months
                    • Spending Bonus : 315,000 points (eqv to HK$1,050 in pay with points or cash voucher / 17,500 miles) upon HK$45,000 spend in the first 3 months
                    • Business Essential Merchants Bonus : 225,000 points 5X spending bonus on selected merchants (adobe , AWS, dropbox, Fedex, HKT , Shell)
                    • Terms and conditions apply.
                    The Platinum Card
                    • 1,000,000 Membership Rewards® points
                    $10000
                    Min. Annual Income
                    $ 5 /mile
                    Overseas Spending - Air Miles Conversion
                    Unlimited
                    Number of Free Lounge Access

                      1,000,000 Membership Rewards® points!

                      • First transaction bonus: 100,000 points upon successful application and upon successful spending in the first 3 months
                      • Welcome bonus: 500,000 points upon HK$15,000 spending in the first 3 months
                      • Spending bonus: 400,000 points upon spending another HK$50,000 in the first 3 months

                      Terms and conditions apply.

                      Top up Octopus Offer

                      • Earn extra HK$100 statement credit upon topping up your Octopus on iPhone or Apple Watch for HK$300 in the first 3 months
                      Fubon Visa Platinum
                      • Up to HK$1,060 Rewards
                      $60000
                      Min. Annual Income
                      4%
                      Cashback Local
                      Up to 8%
                      Cashback Forex

                        Up to HK$1,060 Rewards

                        Terms & Conditions

                        • Successfully apply for principal card of Fubon Visa Platinum Card can enjoy welcome gift of HK$500 Cash Rebate
                        • Extra HK$100 Supermarket Coupon for application via online application form
                        • Overseas transaction up to HK$460 Cash rebate for Fubon Credit Card Upgrade Reward Program
                        • The offer is subject to terms and conditions, please visit website of Fubon Bank (Hong Kong) Limited for offer detail: Fubon Platinum Card | Fubon Bank
                        Hang Seng enJoy Card
                        $150000
                        Min. Annual Income
                        0.5%
                        Cashback Overseas
                        2%
                        Cashback Local

                          MoneyHero Exclusive Welcome Gift (New to Bank Customer)

                          From now till 15 November 2024 6 p.m.

                          • New Credit Card cardholders* who successfully apply for Hang Seng enJoy Visa Platinum Card via MoneyHero and spent HK$800 within 30 calendar days after approval are entitled to
                            • Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,680; random color) OR
                            • Marshall Emberton II Speaker (Valued: HK$1,499) OR
                            • JBL Cinema SB120 2.0 Channel Soundbar (valued at HK$1,299) OR
                            • Bruno BAK801 Instant Hot Water Dispenser (valued at HK$998 ; random colour) OR
                            • HK$800 Apple Store Gift Card / Wellcome shopping voucher / HKTVmall e-Gift Voucher

                          Important dates :

                          • Within 30 days after card issuance: The card must be approved by Hang Seng.
                            • New Credit Card customers* - Spent HK$800 within 30 calendar days after approval.
                          • How to redeem Moneyhero Exclusive Offer?
                            • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                            • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                            • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.

                          MoneyHero Exclusive Gift (Existing Customer)

                          From now till 15 November 2024 6 p.m. 

                          • Existing Credit Card cardholders^ who successfully apply for Hang Seng enJoy Visa Platinum Card via MoneyHero and spent HK$600 within 30 calendar days after approval are entitled to
                            • Marshall Willen Wireless Portable Speaker(valued at HK$999) OR
                            • BRUNO BAK802 Soymilk & Hot Soup Blender (valued at HK$698, random colour) OR
                            • HK$600 Apple Store Gift Card / Wellcome shopping voucher / HKTVmall e-Gift Voucher

                          Important dates :

                          • Within 30 days after card issuance: The card must be approved by Hang Seng.
                            • Existing Credit Card customer^ - Spent HK$600 within 30 calendar days after approval.
                          • How to redeem Moneyhero Exclusive Offer?
                            • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                            • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                            • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
                          Citi The Club Credit Card
                          • Up to 4% cashback
                          $120000
                          Min. Annual Income
                          Not Available
                          Overseas Spending - Cashback Rate
                          4%
                          Local Spending - Cashback Rate
                            • Earn up to 4% Spending Rebate at Designated HKT merchants and Designated Merchants
                              • Designated HKT merchants include 1O1O/csl/NETVIGATOR/Now TV/Club Shopping
                              • Spend HK$100 earn 20 Clubpoints = HK$4 spending rebate
                              • Spending at Designated Merchants, earn up to 4% rebate in Clubpoints. 3% rebate in Clubpoints on eligible accumulated spending in designated merchants in Clubpoints is subject to a cap of 1,500 Clubpoints per statement cycle.
                              • Spending at Club Shopping (https://shop.theclub.com.hk/ or The Club Platform), earn up to 3% plus 1% rebate in Clubpoints, 1% rebate in Clubpoints is subject to a cap of 500 Clubpoints per statement cycle.
                              • Upon reaching the Clubpoints limit, cardholder can still enjoy 1% rebate in Clubpoints on eligible transactions.
                            • Earn 1% Spending Rebate at Other Merchants with No Cap
                              • Spend HK$100 earn 5 Clubpoints = HK$1 spending rebate
                              • Any other eligible transactions with no minimum spending requirement
                            • Retail Purchase APR:
                              35.51% (2.67% per month) when you open your account and it will be reviewed from time to time. Citibank will not charge you a finance charge if you pay your statement balance in full by the due date each month, otherwise a finance charge will be charged on (i) the unpaid statement balance from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full.
                            • Cash Advance APR:
                              39.72% (2.67% per month) (inclusive of cash advance fee) when you open your account and it will be reviewed from time to time. A finance charge will be charged on the amount of cash advance from the date of the transaction until payment in full.
                            HSBC EveryMile Credit Card
                            • $800 RewardCash
                            $240000
                            Min. Annual Income
                            $5/mile
                            Airmiles Local
                            1%
                            Cashback Local

                              HSBC Welcome Offer
                              Applying for eligible credit card via HSBC website, HSBC Personal Internet Banking or HSBC App and make eligible transaction of HKD/RMB 8,000 or above within the first 60 calendar days after card issuance:

                              • New Credit Card Customers: $800 RewardCash
                              • Existing Credit Card Customers: $200 RewardCash

                              Apply for the Cash Out installment offer to receive an additional $200 in RewardCash
                              Activate an eligible credit card within the first 60 calendar days after the card is issued, and successfully apply for the 「Cash Cash Out」 installment plan with the eligible credit card and be approved for a withdrawal amount HK$20,000 or above, and choose a repayment period of 12 months or above , you can get an extra $200 「RewardCash」

                              6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets
                              During the promotion period,HSBC EveryMile Credit Card Customer may enjoy 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets.
                              Customers are required to spend HKD 4,000 or above within 60 days after access to the lounge/ enjoy the meal.
                              If not the spending target cannot be fulfilled, customers will be charged with HKD250.

                              • Promotion period: September 1, 2024 to December 31, 2024

                              *Registration on HSBC Reward+ is required to enjoy the above offer.

                              Oversea spending low as HK$2 per mile

                              During the promotion period, by spending a net amount of HK$8,000 or more on eligible transactions with the HSBC EveryMile Credit Card at each tier, you can enjoy a rate as low as HK$2 per mile.

                              • Promotion period: July 1, 2024 to December 31, 2024

                              *Registration on HSBC Reward+ is required to enjoy the above offer.

                              HSBC Red Credit Card
                              $120000
                              Min. Annual Income
                              4%
                              Online spending
                              1%
                              Designated spending categories

                                Welcome offer

                                • New Credit Card Customers who successfully apply for a Cash Instalment Plan can also get an extra $200 RewardCash!

                                Enjoy 4% RewardCash rebate for Online spending

                                • Earn 4% RewardCash on the first HKD10,000 you spend online and unlimited 1% RewardCash on subsequent online spending each calendar month. T&Cs apply.

                                Earn HSBC Reward+ Red Hot Stamp Card Rewards

                                Receive HSBC Reward+ stamps and get RewardCash when you spend the designated amount in a single transaction.

                                • Get up to $40 in RewardCash when you spend at McDonald's
                                  Earn HSBC Reward+ stamps and receive up to $40 in RewardCash each month when you spend HKD30 or above in a single transaction at McDonald's. T&Cs apply.
                                • Get up to $35 in RewardCash when you spend at TamJai Yunnan Mixian and TamJai SamGor Mixian
                                  Earn HSBC Reward+ stamps and receive up to $35 in RewardCash each month when you spend HKD60 or above in a single transaction at TamJai Yunnan Mixian and TamJai SamGor Mixian. T&Cs apply.
                                • Get up to $90 in RewardCash when you spend at MCL Cinemas
                                  Earn HSBC Reward+ stamps and receive up to $90 in RewardCash during each phase when you spend HKD50 or above in a single transaction at MCL Cinemas. T&Cs apply.  
                                   

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

                                Standard Chartered Smart Credit Card
                                $96000
                                Min. Annual Income
                                Not Available
                                Local Spending - Air Miles Conversion
                                5%
                                Cashback Supermarket

                                  MoneyHero Exclusive Welcome Voucher
                                  Gift Options

                                  • Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499)
                                  • HK$800 Apple Store Gift Card
                                  • HK$800 Wellcome Shopping Voucher
                                  • HK$800 HKTVmall e-Gift Voucher
                                  • HK$800 Klook e-Gift Voucher
                                  • HK$800 Suning Gift Voucher
                                  • HK$800 Trip.com e-Gift Voucher

                                  Terms & Conditions
                                  New Standard Chartered Credit Card Customers get rewarded by fulfilling the following requirements:

                                  • From 31 October 2024 6 p.m. to 29 November 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero
                                  • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
                                  • On or before 31 December 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
                                  • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to [email protected], which will be used by MoneyHero to verify reward eligibility.
                                  Citi Prestige Card
                                  $600000
                                  Min. Annual Income
                                  $6/mile
                                  Local Spending - Air Miles Conversion
                                  0.8 %
                                  Local Spending - Cashback Rate

                                    MoneyHero Time-Limited Exclusive Offer
                                    Gift Options

                                    • Dyson Deluxe Package (total value at HK$7,160): DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) + Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380); or
                                    • Philips Pet Air Purifier AC3681/10 (valued at HK$5,398) ; or
                                    • B&W Px8 Wireless Noise Canceling Headphones (valued at $5480; random color); or
                                    • Sony Vlog camera ZV-1 (valued at HK$5,999; random color); or
                                    • HK$5,000 Apple Store Gift Card; or
                                    • HK$5,000 Trip.com e-Voucher

                                    Terms & Conditions

                                    MoneyHero Time-Limited Exclusive Offer

                                    • New Citi Prestige Card Customers get rewarded with Dyson Deluxe Package (total value at HK$7,160): Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380) + DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) / Philips Pet Air Purifier AC3681/10  (valued at HK$5,398) / B&W Px8 Wireless Noise Canceling Headphones (valued at HK$5,480, random color) / Sony Vlog camera ZV-1  (valued at HK$5,999, random color) / HK$5,000 Apple Store Gift Card / HK$5,000 Trip.com e-Voucher

                                    Requirements

                                    • 31 October 2024 6 p.m. till 29 November 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                    • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
                                    • On or before 31 December 2024: The card must be approved by Citibank.
                                    • Within 30 days after card approval: Spend HK$8,000 or above with the card (value-added PayMe/Alipay AliPay/WeChat Pay can be counted) and pay HK$3,800 annual fee.

                                    Tips

                                    • Please turn off AdBlocker and private mode before application
                                    • Please note down the application reference number (e.g. ABC123456789) provided on the page after completing the application.
                                    • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
                                    • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
                                    • New Credit Card Customers shall be defined as: Customers who currently do not hold, have not cancelled and have not held any principal credit card of Citi within the past 12 months from the month of application for the Eligible Card.
                                    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward.
                                    • Customers would not be eligible to Citi welcome offer if obtained MoneyHero exclusive offer.
                                    DBS Eminent Visa Signature Card
                                    • Welcome Offer Up to HK$600 Cash Rebate
                                    $360000
                                    Min. Annual Income
                                    Not Available
                                    Local Spending - Air Miles Conversion
                                    5%
                                    Local Spending - Cashback Rate
                                    • Earn up to 5% rebate on dining, medical services, sportswear and fitness clubs spending
                                    • Other retail spending with up to 1% rebate

                                    Welcome Offer Up to HK$600 Cash Rebate

                                    New Customers who successfully apply for DBS Eminent Card by 3 January 2025 can enjoy the first year annual fee waiver and following fabulous welcome offer upon registering and activating both DBS Card+ app account and the physical New Card in the first 2 months* and spending with the new card in the first 3 months:

                                      

                                    Welcome Gift

                                    “Spending Requirement”

                                    Up to HK$600 Cash Rebate:

                                    • 10% Cash Rebate (“Cash Rebate”) on Eligible Spending, with a maximum limit of Cash Rebate HK$450; and/or
                                    • Extra HK$100 Cash Rebate (“Extra Cash Rebate”); and/or
                                    • HK$50 “InstaRedeem” Amount for activating the physical New Card within one month from card issuance date
                                    • Cash Rebate: accumulate retail spending or make transaction as listed below ("Eligible Spending") with the New Card within Spending Period:
                                      - accumulated retail spending of HK$3,000 or above, and/or
                                      - designated Instant Cash Service: the approved cash out amount that the New Customer has successfully applied for “Instant Cash” service via online (The Eligible Spending amount of this item is up to HK$3,000, and the maximum cash rebate is HK$300)
                                    • Extra Cash Rebate: accumulate spending or make transaction as listed below with New Card within Spending Period:
                                      - HK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service; or
                                      - apply 12-month or above Flexi Shopping Programme
                                    • HK$50 “InstaRedeem”: successfully activated the physical New Card via DBS Card+ within 2 month from card issuance date

                                    DBS Eminent Card Brand-new Up to 5% Rebate Program, Up to $400 Rebate

                                    • 4 designated spending categories up to 5% rebate (applicable for the first HK$8,000 Eligible Spending in Other Retail Spending in each calendar month)
                                    • Other retail spending up to 1 % rebate (applicable for the first HK$20,000 Eligible Spending in Other Retail Spending in each calendar month)
                                    • Registration in DBS Card+ mobile application is required

                                    Exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS

                                    Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).

                                    New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 1 month of the New Card issuance date in order to be eligible to the Welcome Offer

                                    Reload of digital wallet does not count as eligible transactions of welcome offer. DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate


                                    Terms and conditions apply, click “Apply Now” for more details.

                                    CNCBI Motion Credit Card
                                    $150000
                                    Min. Annual Income
                                    Not Available
                                    Local Spending - Air Miles Conversion
                                    6 %
                                    Local Spending - Cashback Rate

                                      MoneyHero Exclusive Welcome Offer

                                      • Nintendo Switch (OLED model)(valued at HK$2,680;random color)(redeem with HK$1,000); or
                                      • Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280; random colour) (redeem with HK$300); or
                                      • Marshall Emberton II Speaker (valued at HK$1,499); or
                                      • JBL Cinema 2.0 Channel Soundbar (valued at HK$1,299); or
                                      • HK$600 Apple Store Gift Card; or
                                      • HK$600 Wellcome Shopping Voucher; or
                                      • HK$600 Klook Gift Card; or
                                      • HK$600 Suning Gift Voucher

                                      New CNCBI Credit Card Customers get rewarded and spent HK$100 within 30 calendar days after approval are entitled to

                                      Nintendo Switch (OLED model)(valued at HK$2,680;random color)(redeem with HK$1,000) / Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280; random colour) (redeem with HK$300) /Marshall Emberton II Speaker (valued at HK$1,499) / JBL Cinema SB120 2.0 (valued at HK$1,299) /HK$600 Apple Store Gift Card /HK$600 Wellcome Shopping Voucher /HK$600 Klook Gift Card /HK$600 Suning Gift Voucher

                                      Requirements

                                      • Valid until 29 November 2024 6 p.m.: Successfully apply for the designated CNCBI Credit Card(s) and submitted redemption form via MoneyHero
                                      • On or before 31 December 2024: The card must be approved by CNCBI.
                                      • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.

                                      Welcome offer
                                      Gift Options

                                      • 10% Cash Rebate on spending in foreign currencies; or
                                      • HK$600 Cash Reward

                                      Terms & Conditions

                                      • 10% Cash Rebate on spending in foreign currencies (Up to HK$1,000 Cash Rebate) within first 3 months starting from the card issuance month; or
                                      • HK$600 Cash Rebate upon accumulated eligible spending of HK$6,000 in the first 2 months starting from the card issuance month
                                      • Please refer to CNCBI Motion Credit Card page for the offer details

                                      CNCBI Motion Credit Card More Info

                                      • First year annual fee waiver
                                      • 6% Cash Rebate on dining and online spending all year round
                                      • From 1 January till 31 December 2024, Motion Credit Cardmembers can earn 6% cash rebate on dining and online spending all year round, up to extra HK$200 Cash Rebate per month.
                                      • Other things to note:
                                        • Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
                                      • Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/motion_credit_card/en/index.html
                                      • Reminder: To borrow or not to borrow? Borrow only if you can repay!
                                      Citi PremierMiles Card
                                      • Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan
                                      $120000
                                      Min. Annual Income
                                      $8/mile
                                      Local Spending - Air Miles Conversion
                                      0.75%
                                      Local Spending - Cashback Rate

                                        New Citibank Customers can get MoneyHero Exclusive reward with Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima. Limited to 500, first come first serve) / Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour) / Nintendo Switch (OLED model) (valued at HK$2,680; random color) / LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour) / Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) by following below requirements:

                                        Requirements

                                        • From 31 October 2024 6 p.m. till 2 December 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                        • On or before 2 January 2025: The card must be approved by Citibank
                                        • Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
                                        • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards
                                        • The redemption period for the Greater Bay Area Airlines tickets offered in this promotional event is from November 15, 2024, to April 30, 2025. Travel dates are from January 1, 2025, to July 10, 2025, and are not applicable on specified dates. For details, please refer to this website( https://moneyhero.link/citi-core-gba-jp-tnc-listing)

                                        Tips

                                        • Please turn off AdBlocker and private mode before application
                                        • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
                                        • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                        • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions
                                        Citi Rewards Card
                                        • Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan
                                        $120000
                                        Min. Annual Income
                                        $3/mile
                                        Local Spending - Air Miles Conversion
                                        1.85%
                                        Local Spending - Cashback Rate

                                          New Citibank Customers can get MoneyHero Exclusive reward with Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima. Limited to 500, first come first serve) / Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour) / Nintendo Switch (OLED model) (valued at HK$2,680; random color) / LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour) / Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) by following below requirements:

                                          Requirements

                                          • From 31 October 2024 6 p.m. till 2 December 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                          • On or before 2 January 2025: The card must be approved by Citibank
                                          • Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
                                          • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards
                                          • The redemption period for the Greater Bay Area Airlines tickets offered in this promotional event is from November 15, 2024, to April 30, 2025. Travel dates are from January 1, 2025, to July 10, 2025, and are not applicable on specified dates. For details, please refer to this website( https://moneyhero.link/citi-core-gba-jp-tnc-listing)

                                          Tips

                                          • Please turn off AdBlocker and private mode before application
                                          • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
                                          • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                          • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions
                                          Citi Cash Back Card
                                          • Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan
                                          $120000
                                          Min. Annual Income
                                          Not Available
                                          Local Spending - Air Miles Conversion
                                          2%
                                          Local Spending - Cashback Rate
                                          • 2% rebate for local dining, local hotel spending & foreign currency spending with no cap

                                          New Citibank Customers can get MoneyHero Exclusive reward with Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima. Limited to 500, first come first serve) / Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour) / Nintendo Switch (OLED model) (valued at HK$2,680; random color) / LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour) / Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) by following below requirements:

                                          Requirements

                                          • From 31 October 2024 6 p.m. till 2 December 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                          • On or before 2 January 2025: The card must be approved by Citibank
                                          • Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
                                          • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards
                                          • The redemption period for the Greater Bay Area Airlines tickets offered in this promotional event is from November 15, 2024, to April 30, 2025. Travel dates are from January 1, 2025, to July 10, 2025, and are not applicable on specified dates. For details, please refer to this website( https://moneyhero.link/citi-core-gba-jp-tnc-listing)
                                          PrimeCredit WeWa UnionPay Diamond Card
                                          • HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher
                                          $150000
                                          Min. Annual Income
                                          6%
                                          Apple Pay
                                          4%
                                          Local Spending - Cashback Rate
                                          • Crazy WeWa Reward up to 6% Cash Rebate

                                          MonyHero Exclusive Offer
                                          Gift Options

                                          • New Customer: HK$200 Apple Store Gift Card + HK$100 Cash Rebate
                                          • New Customer: HK$200 Wellcome Shopping Voucher + HK$100 Cash Rebate
                                          • Existing Customer: HK$200 Apple Store Gift Card (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)
                                          • Existing Customer: HK$200 Wellcome Shopping Voucher (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)

                                          Terms & Conditions

                                          MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

                                          • From 31 October 2024 6 p.m. till 29 November 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                            Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                          • How to redeem MoneyHero exclusive offer?
                                            • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                                            • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
                                          • Tips:
                                            • Please turn off AdBlocker and private mode before application
                                            • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                            • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

                                          Welcome Offer
                                          Gift Options

                                          • Round-trip air ticket to Osaka; or
                                          • SONY WH-1000XM4 Wireless Noise Cancelling Headphones; or
                                          • HK$500 Cash Reward; or
                                          • HK$400 Klook e-Gift Card (only for University / Tertiary students); or
                                          • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program

                                          Terms & Conditions

                                          Welcome Offer

                                          From now till 31 March 2025, new PrimeCredit Credit Card Cardholder who successfully applied WeWa UnionPay Diamond Card is entitled to one of the following Welcome Offers upon fulfilling the Eligible Retail Purchase Transactions Requirement specified below:

                                          Eligible Retail Purchase Transactions RequirementWelcome Offers options
                                          Spend HK$8,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateA set of standard class round-trip air ticket between Hong Kong and Osaka and HK$100 hotel voucher for a single person
                                          SONY WH-1000XM4 Wireless Noise Cancelling Headphones
                                          Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateHK$500 Cash Rebate
                                          No Spending RequirementUp to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
                                          University / tertiary students Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from card issuance

                                          HK$400 Klook e-Gift Card

                                          (Only for University / tertiary students)

                                           

                                          PrimeCredit EarnMORE UnionPay Diamond Card
                                          $150000
                                          Min. Annual Income
                                          Not Available
                                          Local Spending - Air Miles Conversion
                                          4 %
                                          Local Spending - Cashback Rate

                                            MonyHero Exclusive Offer 
                                            Gift Options

                                            • New Customer: HK$200 Apple Store Gift Card + HK$100 Cash Rebate
                                            • New Customer: HK$200 Wellcome Shopping Voucher + HK$100 Cash Rebate
                                            • Existing Customer: HK$200 Apple Store Gift Card (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)
                                            • Existing Customer: HK$200 Wellcome Shopping Voucher (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)

                                            Terms & Conditions

                                            MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

                                            • From 31 October 2024 6 p.m. till 29 November 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                              Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                            • How to redeem MoneyHero exclusive offer?
                                              • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                                              • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
                                            • Tips:
                                              • Please turn off AdBlocker and private mode before application
                                              • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                              • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

                                            Welcome Offer
                                            Gift Options

                                            • OTO Vanda 2.0 (VN-05)
                                            • German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC)
                                            • HK$500 Cash Rebate
                                            • HK$400 Klook e-Gift Card (only for University / Tertiary students)
                                            • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program

                                            Terms & Conditions

                                            • Spend HK$9,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date :OTO Vanda 2.0 (VN-05); or
                                            • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date : German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC) or HK$500 Cash Rebate; or
                                            • Only applicable to Full-time University / Tertiary Student : HK$400 Klook Gift Card; or
                                            • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program ( No spending requirement)
                                            Standard Chartered Cathay Mastercard
                                            • Dyson Supersonic™ HD15 Hair Dryer; or Insta360 Go 3S
                                            $96000
                                            Min. Annual Income
                                            $2/mile
                                            Eligible spending on Cathay and HK Express
                                            $4/mile
                                            Eligible spending on dining / food delivery platforms, online and overseas spending

                                              Offer Upgrade (Mutually exclusive form Exclusive Offer)
                                              Gift Options

                                              Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,800); or
                                              Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,800)
                                              Terms & Conditions
                                              Offer Upgrade (Mutually exclusive form Exclusive Offer)

                                              • New Standard Chartered Credit Card Customers can redeem Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) OR Insta360 Go 3S (Valued at HK$3,458;random colour) using Standard Chartered Cathay Mastercard with HK$1,300 by fulfilling the following requirements:
                                                • From 31 October 2024 6 p.m. to 29 November 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
                                                • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
                                                • On or before 30 November  2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
                                                • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to [email protected], which will be used by MoneyHero to verify reward eligibility.
                                              • Tips:
                                                • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
                                                • Please turn off AdBlocker and private mode before application
                                                • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
                                                • Details for redeeming the Dyson Supersonic™ HD15 Hair Dryer OR Insta360 Go 3S :
                                                • After the eligibility are confirmed by the bank, MoneyHero will send out the reward redemption emails to the eligible customers. Customers can follow the instructions in the email and receive the Dyson Supersonic™ HD15 Hair Dryer OR Insta360 Go 3S by paying HK$1,800 using Standard Chartered Cathay Mastercard at the redemption center.
                                                  • If there are any questions regarding the warranty and product conditions, please reach out to MoneyHero for further details.
                                                • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
                                                • Terms and Conditions Apply.
                                                • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                              DBS Live Fresh Card
                                              • Up to 6% rebate on online spending
                                              $150000
                                              Min. Annual Income
                                              Not Available
                                              Local Spending - Air Miles Conversion
                                              5.4%
                                              Local Spending - Cashback Rate
                                              • Welcome offer up to $500 rewards

                                              Welcome offer up to $500 rewards

                                              New Customers who successfully apply DBS Live Fresh Card by 3 Jan 2025 can enjoy the first year annual fee waiver and the following fabulous welcome gifts, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month*:

                                              Welcome GiftSpending Requirement

                                              HK$350 “InstaRedeem” Amount 

                                              • “InstaRedeem” Discount will be sub-divided into HK$200 and HK$150
                                              • Complete one single retail transaction of HK$200 or above and one single online transaction of HK$150 or above within 3 months from the card issuance date
                                              HK$4,800

                                              HK$150 “InstaRedeem” Amount (Only applicable to Tertiary Student)

                                              • “InstaRedeem” Discount will be sub-divided into three times of HK$50
                                              • Complete one single retail/online transaction of HK$50 or above to get one HK$50 "InstaRedeem" Discount within 3 months from the card issuance date
                                              • For tertiary student, please apply via DBS Card+
                                              HK$1,800
                                              Extra Welcome GiftSpending Requirement
                                              HK$100 Cash RebateHK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service;   
                                              or successfully apply 12-month or above Flexi Shopping Programme, no amount requirement
                                              Extra InstaRedeemSpending Requirement
                                              HK$50 “InstaRedeem” AmountSuccessfully activate the New Card within 2 months from card issuance date

                                              Privileges

                                              • Up to 6% rebate on online spending. You can pick spending category for extra rebate every month based on your own spending habit.
                                              • DBS Live Fresh Card Exclusive: 90 days Interest-Free Repayment Period for Overseas, Travelling and Online Transaction
                                              • 10 Free Trials for Flexi Shopping. No handling fee when you apply for Flexi Shopping Programme.
                                              • First year annual fee waiver

                                              mReferral exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS.

                                              When applying for a DBS credit card, the DBS Card+ app will ask you to take a photo of your ID card immediately. Please place your ID card on a white paper and take the photo with your mobile phone. Please ensure that the ID number is clearly visible in the transparent windows on the front and back (applicable to new smart ID cards).

                                              Online transactions in Hong Kong Dollars, reload of e-wallets and Octopus Automatic Add-Value Service are only entitled to 0.4% basic rebate.

                                              Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders are required to claim the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.

                                              • Cardholders must click the red InstaRedeem button on the Timeline of DBS Card+ HK to enjoy the Reward.

                                              Terms and conditions apply, click “Apply Now” for more details.

                                              DBS Black World Mastercard®
                                              • Welcome Offer Up to 42,000 Miles + $50 InstaRedeem Discount
                                              $240000
                                              Min. Annual Income
                                              $3/mile
                                              Upon meeting local and overseas spending goal*
                                              $4/mile
                                              Overseas spending - Air Miles Conversion
                                              • As low as HK$3 = 1 mile and worldwide travel privileges
                                              • HK$6 = 1 mile on local spending; HK$4 = 1 mile on overseas spending

                                              Welcome Offer

                                              New customers^ who successfully apply for DBS Black World Mastercard by 3 Jan 2025 can enjoy the first year annual fee waiver , Up to 42,000 miles and/or HK$50 InstaRedeem Discount  upon spending with the new card in the first 3 months and activating DBS Card+ account and the physical New Card in the first month:

                                              Spending RequirementMiles Reward
                                              Accumulated
                                              Eligible Spending# of HK$8,000
                                              8,000 miles
                                              (i.e. DBS$384)
                                              Accumulated
                                              Eligible Spending# of HK$20,000
                                              12,000 miles
                                              (i.e. DBS$576)
                                              Accumulated
                                              Eligible Spending# of HK$80,000
                                              40,000 miles
                                              (i.e. DBS$1,920)

                                               

                                              Extra 2,000 miles (i.e. DBS$96)
                                              Accumulate Octopus Automatic Add-Value transaction of HK$1,000 or above or successfully apply for Flexi Shopping (for any amount) with 12 or more monthly instalments via the New Card within 3 months after its issuance

                                              HK$50 InstaRedeem Discount
                                              Successfully activate the physical New Card via DBS Card+ app within 2 month after its issuance

                                              New as low as HK$3 = 1 mile and worldwide travel privileges

                                              Register via DBS Card+ now to enjoy the following privileges upon accumulating a retail spending of HK$80,000 from the next calendar day after successful registration in a certain spending phase

                                              • as low as HK$3 = 1 mile
                                              • worldwide travel privileges including airport limousine transfer service, airport lounge & express pass and luggage delivery

                                              ^New Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by the Bank (“New Customers ”).

                                              #Eligible Spending includes both local and overseas eligible retail spending.

                                              Terms and conditions apply, click “Apply Now” for more details.

                                              DBS COMPASS VISA Platinum
                                              • Up to HK$400 welcome offer
                                              $100000
                                              Min. Annual Income
                                              $10/mile
                                              Local Spending - Air Miles Conversion
                                               
                                               
                                              • 10% COMPASS Dollar rebate on Local Supermarket spending
                                              • Join the “COM-To-Play” Mini Game to win up to $5,000 COMPASS Dollar upon designated spending

                                              Welcome Offer

                                              New Customers who successfully apply for DBS COMPASS VISA by 3 January 2025 can enjoy the first year annual fee waiver and the following fabulous welcome gift upon registering and activating both DBS Card+ app account and the physical New Card in the first 2 months* and spending with the new card in the first 3 months:

                                              HK$250 Local Supermarket InstaRedeem Discount

                                              • Accumulated Eligible Spending of HK$4,000 or above, and/or
                                              • Apply Instant Cash (i.e. “Call-a-loan” or “Funds Transfer”) with the New Card via the Bank’s Instant Cash webpage or DBS Card+, the successful approved and cash out Instant Cash loan amount can be deemed as Eligible Spending amount (subject to a cap of HK$3,000).

                                              The HK$250 InstaRedeem will be awarded to the eligible New Customers via the DBS Card+ app upon completing a single retail spending of HK$250 or above at local supermarkets with the New Card in the first 3 months.

                                              Extra Welcome Gift

                                              HK$100 Cash Rebate

                                              Accumulate Octopus Automatic Add-Value transaction of HK$1,000 or above or successfully apply for Flexi Shopping Programme (for any amount) with 12 to 60-month instalments via the New Card within 3 months after its issuance

                                              HK$50 InstaRedeem Discount

                                              Successfully activated the Physical New Card via DBS Card+ within 2 month from card issuance date

                                              HK$50 InstaRedeem will be awarded via DBS Card+ app upon a single retail spending of HK$50 or above with the physical New Card

                                              New Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by the Bank.

                                              Terms and conditions apply, click “Apply Now” for more details.
                                               

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