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Standard Chartered Smart Credit Card
Standard Chartered Smart Credit Card
$-
Min. Annual Income
5%
CashBack on Designated merchants
0.55%
Overseas Spending - Cashback Rate
Standard Chartered Bank
Standard Chartered Smart Credit Card
Apply now
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Card Features
  • Split yours bills with unlimited 3-month interest-free instalments in just a few clicks, applicable to any retail spending of HKD500 or above.

    No annual fee

    No foreign exchange fees, no cash advance fees.

    Welcome offer of up to HKD1,600 CashBack 1: Up to HKD1,000 CashBack (25% CashBack) on eligible transactions + HKD100 CashBack on each automatic recurring transaction (up to HKD500 CashBack) + HKD100 CashBack for new Online Banking users

    5% CashBack at designated everyday merchants

    CashBack no expiry date, redeem to settle the card outstanding balance anytime

    Annual income requirement of HK$96,000 or above only

    1. Only applicable to New Cardholders. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
    2. Terms and conditions apply, please click “Apply now” for more details.
Apply now
DBS Live Fresh Card
DBS Live Fresh Card
Welcome Offer
Up to $1,000 cash rebate and Free 12 months Netflix Basic Plan
$-
Minimum annual income
6%
Cashback on designated merchants
1%
Cashback on online spending in foreign currencies
DBS Bank
DBS Live Fresh Card
Welcome Offer
Up to $1,000 cash rebate and Free 12 months Netflix Basic Plan
Apply now
More details
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Card Features
  • Up to $1,000 cash rebate or Netflix Basic Plan 12 months Monthly Fee “InstaRedeem” Amount or $600 Klook Gift Card + $400 Staycation coupon

  • 5% cash rebate for online eligible transaction (Maximum $150)

  • 1% Unlimited Cash Rebate for Online Spending in foreign currencies

  • Enjoy up to a 90-day interest-free repayment period for online, travel-related spending and overseas purchases

  • Enjoy 10 times handling fee-free interest-free 6-month instalment Flexi Shopping free trials

Apply now
Standard Chartered Simply Cash Visa Card
Standard Chartered Simply Cash Visa Card
$-
Min. Annual Income
1.5%
Cashback on spending in local currency
2%
Cashback on spending foreign currencies
Standard Chartered Bank
Standard Chartered Simply Cash Visa Card
Apply now
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Card Features
  • Welcome Offer1: Up to HKD1,000 (25% CashBack) + extra HKD100 CashBack for newly sign up for Online Banking

    Unlimited 1.5% Cashback on spending in local currency

    Unlimited 2% Cashback on spending foreign currencies

    CashBack no expiry date, redeem to settle the card outstanding balance anytime

    Annual income requirement of HK$96,000 or above only

  • Remark

    1. Only applicable to New Cardholders. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
Apply now
Standard Chartered Asia Miles MasterCard
Standard Chartered Asia Miles MasterCard
$-
Min. Annual Income
$4/mile
eligible spending on dining, online and overseas category
$6/mile
eligible spending on other categories
Standard Chartered Bank
Standard Chartered Asia Miles MasterCard
Apply now
More details
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Card Features
  • Welcome Offer1:  Up to 40,000 Asia Miles (as low as HKD0.2 = 1 Mile) + extra HKD100 CashBack for newly sign up for Online Banking

    HKD4 = 1 Asia Mile for eligible spending on dining, online and overseas category

    HKD6 = 1 Asia Mile for eligible spending on other categories

    Annual income requirement of HK$96,000 or above only

  • Remark

    1. Only applicable to New Cardholders. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current
Apply now
DBS COMPASS VISA
DBS COMPASS VISA
Welcome Offer
HK$400 rebate for ParknShop / Watsons or HK$300 all merchants “InstaRedeem” Amount
$-
Minimum annual income
1%
Cashback on designated merchantsC
$10/mile
on designated merchants
DBS Bank
DBS COMPASS VISA
Welcome Offer
HK$400 rebate for ParknShop / Watsons or HK$300 all merchants “InstaRedeem” Amount
Apply now
More details
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Card Features
  • Welcome offer: HK$400 ParknShop/Watsons / HK$300 all merchants “InstaRedeem” Amount or 6 MCL movie ticket vouchers

  • Enjoy an exclusive 1% COMPASS Dollar rebate (HK$10=1 mile) at designated merchants

    ParknShop / Watsons 8% discount promotion

  • Up to 3% cash rebate at Taobao and Tmall for the 1st $1,000 transactions

  • 0.4% rebate for other merchants (HK$25=1mile)

Apply now
DBS Black World Mastercard
DBS Black World Mastercard
Welcome Offer
Up to 50,000 miles + DBS$300 reward
$-
Min. Annual Income
$6/mile
Local Spending - Asia Miles Conversion
$4/mile
Overseas Spending - Asia Miles Conversion
DBS Bank
DBS Black World Mastercard
Welcome Offer
Up to 50,000 miles + DBS$300 reward
Apply now
More details
More details
Card Features
  • Welcome offer: Up to 50,000 miles + DBS$300 reward

  • New customers apply for Flexi-Shopping with 6 months instalments via DBS Card+ during the Promotion Period to enjoy 3-Times Free Trial for Flexi Shopping

  • 45% Off iGO Rewards Redemption

Apply now
BOC i-card Dual Currency Diamond Card (Virtual Card)
BOC i-card Dual Currency Diamond Card (Virtual Card)
$-
Min. Annual Income
$15/mile
Local Spending - Asia Miles Conversion
0.4%
Local Spending - Cashback Rate
Bank of China (Hong Kong)
BOC i-card Dual Currency Diamond Card (Virtual Card)
More details
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Card Features
  • Enjoy 4% Cash Rebate on Online Purchase and Mobile Payment

    • Earn Gift Points while spending. Redeem cash rebates, mileage awards and gift vouchers with Gift Points
    • Enjoy up to 10X Gift Points (equivalent to 4% cash rebate) while shopping online. (HK$1 online spending can earn 10 Gift Points. Take 25,000 Gift Points can redeem HK$100 cash rebate as an example: HK$2,500 online spending can earn HK$100 cash rebate)
    • Enjoy up to 10X Gift Points (equivalent to 4% cash rebate) while spending with Boc Pay, Apple Pay, Alipay HK, WeChat Pay and UnionPay App (HK$1 spending with contactless payment or mobile payment can earn 10 Gift Points. Take 25,000 Gift Points can redeem HK$100 cash rebate as an example: HK$2,500 contactless payment or mobile payment spending can earn HK$100 cash rebate)
    • Normal spending: 0.4% cash rebate (HK$/RMB1 spending with normal payment can earn 1 Gift Point. Take 25,000 Gift Points can redeem HK$100 cash rebate as an example: HK$25,000 normal payment spending can redeem HK$100 cash rebate)
  • Perpetual Annual Fee Waiver, Transparent Fees

    • No Handling Fee including Overseas Spending, Mileage Conversion, Late Payment and No Annual Fee
  • Easy Application, Instant Approval and Instant Use

    • Apply via Boc Pay, instantly process mobile payment and online purchases once card is approved and activated
  • Easily Pay via QR Code and Pay with Points using BoC Pay

    • Access cross-border bill payment service via BoC Pay to make payment of various types of public service bills.
    • Pay with Points at BoC Pay merchants and merchants accepting UnionPay QR code
  • Dual Currency in One Card for flexibility

    • BOC UnionPay Dual Currency Credit Card consists of both Renminbi (RMB) and Hong Kong Dollar (HKD) credit card accounts. Transactions conducted in the mainland will be settled in RMB while those transactions conducted in Hong Kong and overseas will be settled in HKD, enabling you to save currency conversion cost.
  • Access to Airport Limousine Transfer and Exclusive Personal Concierge Service

    • Enjoy airport limousine transfer service at HK$250 per trip (including single way local transfer service to / from Hong Kong International Airport; an offer for local transfer service in Shanghai city areas to / from Hongqiao or Pudong Airport, local transfer service in Beijing city areas to / from Beijing Capital International Airport, or cross border transfer from Hong Kong to Shenzhen airport)
    • Enjoy 3 times access to LoungeKey Airport Lounges in the mainland, Hong Kong, Macau and Taiwan after accumulating spending of HK$12,000 or above for two consecutive months with the card
  • Earn up to 20,000 extra Gift Points per month

    • Enjoy 10X Gift Points on mobile payment and online purchase, including the basic HK$1 = 1 Point , and extra HK$1 = 9 Points
    • Customer is entitled to maximum of 10,000 Gift Points per month on mobile payment and online purchase respectively, total 20,000 Gift Points 
American Express® Cathay Pacific Credit Card
American Express® Cathay Pacific Credit Card
$-
Min. Annual Income
$8/mile
Local Spending - Asia Miles Conversion
$5.33/mile
Overseas Spending - Asia Miles Conversion
American Express
American Express® Cathay Pacific Credit Card
More details
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Card Features
  • RequirementsWelcome Offers
    Online Application Bonus
    Cardmembers submit their Card application online
    1,000 Asia Miles
    Welcome Bonus
    accumulate spending of first HK$3,000, and enjoy HK$1 = 1 Asia Mile Earn Rate in the first 3 months
    3,000 Welcome Bonus Miles
    Local Spend Bonus
    HK$5 = 1 Asia Mile Earn Rate in the first 3 months (Spending: HK$200,000)
    40,000 Asia Miles
    Foreign Currency Spend Bonus (Both Online And Offline)
    foreign currency spend equivalent to HK$3 = 1 Asia Mile Earn Rate in the first 3 months (Max spending: HK$90,000)
    30,000 Asia Miles
     Up to 74,000 Asia Miles in total
  • 2 Plaza Premium Lounge access coupons each year

  • Travel Offer

    • Priority redemption for selected discount flight awards bookings online
    • Travel Accident insurance with coverage up to HK$3.5 million
    • Enjoy Enrolment Fee Waiver for Green tier membership of The Marco Polo Club
  • A first year annual fee waiver is applicable. Annual Card fee of HK$980 will be waived for the following year simply by spending HK$100,000 annually or if you hold The Marco Polo Club Silver membership tier (or above) at the time of your annual Card fee renewal

  • Existing American Express Cathay Pacific Elite Credit Card Basic Cardmember / American Express Cathay Pacific Credit Card Basic Cardmember and applicants who have held either the Basic Card of American Express Cathay Pacific Elite Credit Card / the Basic Card of American Express Cathay Pacific Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and the first year annual fee waiver.

(繁) 美國運通Blue Cash® 信用卡
(繁) 美國運通Blue Cash® 信用卡
$-
Min. Annual Income
1.2%
Local Spending - Cashback Rate
1.2%
Overseas Spending - Cashback Rate
American Express
(繁) 美國運通Blue Cash® 信用卡
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Card Features
  • Up to 21.2% cash back as welcome offer

    • New customers who successfully applying for Blue Cash® Credit Card from American Express and fulfilling designated requirements can enjoy up to HK$1,272 cash back.
      • 21.2% cash back is based on HK$1,272 cash back by spending HK$6,000. HK$1,272 cash back includes HK$200 cash back upon Basic Card Approval, HK$800 welcome cash back and HK$72 basic cash back by spending HK$6,000 in the first 3 months and HK$200 cash back when successfully applying for 2 Supplementary Cards (HK$100 cash back for each).
  • Enjoy 1.2% cash back on online and local purchases all year round

  • Year-Round Benefits

    • 20% savings on all 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit
    • Free upgrade on handcrafted beverage at Pacific Coffee
  • First-year annual fee waiver for all applicants

    • Annual card fee is HK$980. Spend HK$25,000 annually and your annual card fee will be waived for the following year.
  • Existing Blue Cash® Credit Card from American Express Cardmembers and applicants who have held Blue Cash® Credit Card from American Express (Basic card) at any time within the past 12 months from the date of this application are not eligible for the Welcome Offer and the First Year Annual Fee Waiver.

  • Card features and year-round offers Terms and Conditions apply.

BEA World Mastercard
BEA World Mastercard
$-
Min. Annual Income
0.4%
Cashback on spending in overseas currency
$5/mile
Miles Conversion (local spend)
The Bank of East Asia
BEA World Mastercard
More details
More details
Card Features
  • Welcome Offer – Up to HK$600 Cash Rebate

    RequirementOffers
    (Choose 1 from 3)
    New customers who successfully apply for BEA World Mastercard and BEA i-Titanium Card together, and accumulate retail spending/cash advance of HK$6,000 or above within first two months from card issuanceHK$600 Cash Rebate
    Accumulate retail spending/cash advance of HK$6,000 or above within first two months from card issuance5,000 Miles
    HK$400 Cash Rebate
  • Personalized Card Rewards to Match Your Needs

    • Miles or Bonus Points at Your Choice
      • BEA Mileage Reward: HK$5 spending = 1 Mile (1.6X Bonus Points)
      • BEA Dining Reward: 4X Bonus Points at all dining outlets in Hong Kong, which is 1.6% cash rebate
    • Turn Bonus Points into Cash Rebate with Mobile App
      • Offset your transactions with Bonus Points via Mastercard Pay with Rewards, disregard your choice on mileage reward or dining reward.
  • Enjoy Daily and Travelling Privileges 

    • Extra 10% Rebate on BEA Days – Mobile Payment Spending (Local bakeries/fast-food restaurants/coffee shops spending: 1.6% cash rebate + extra 10% BEA Days rebate)
      • Applicable to purchases at local bakeries/fast-food restaurants/coffee shops through Apple Pay/Google Pay after registration
      • Cardholders whose monthly retail spending reach HK$2,000 will be entitled to 10% cash rebate on the designated mobile payments purchases
    • Sit Back and Relax with Airport Transfer Limousine Service
      • enjoy airport transfer limousine service at discounted price HK$350 per trip (only applies to the first 6 trip in each calendar year)
    • Various Mastercard® Airport Experiences
      • Access to over 1,000 airport lounges worldwide (A US$32 service fee will be charged for each visit per person)
      • Up to 15% off on dining, shopping and spa offers
    • 20% Off on Movie Tickets
      • 20% off on regular-price movie tickets at MCL Cinemas (except The Grand Cinema) and priority ticketing counter at the Festival Grand Cinema box office
      • 20% off on regular-price movie tickets at UA Cinemas and priority ticketing counter at the UA Cinemas box offices
  • The welcome gift is only available to customers who have not held a principal BEA Credit Card in the 6 months prior to the application submission date

  • Cash Rebate Limit

    • 10% rebate on BEA Days – Mobile Payment spending is capped at a maximum rebate of HK$100 in each calendar month. (Spend HK$1,000 on the designated mobile payment transactions would reach the cap limit.)
  • Transaction made at supermarkets, department stores, travel agencies, and to government departments; and recurring transactions and/or autopay transactions will not be eligible for extra Bonus Points

CNCBI Motion Credit Card
CNCBI Motion Credit Card
$-
Min. Annual Income
0.55%
Local Spending - Cashback Rate
0.55%
Overseas Spending - Cashback Rate
China CITIC Bank International
CNCBI Motion Credit Card
More details
More details
Card Features
  • Welcome Offers – Trip.com Gift Card OR Cash Rebate

    RequirementsWelcome Offers
    (Choose 1 from 2)
    Offer 1: Trip.com Gift CardUp to HK$900 Trip.com Gift Card
    • Accumulate eligible transactions with the total net amount of HK$3,000 or above within Spending Phase 1
    HK$400 Trip.com Gift Card
    • Accumulate eligible transactions with the total net amount of HK$3,000 or above within Spending Phase 2
    HK$500 Trip.com Gift Card
    Offer 2: Cash RebateUp to HK$800 Cash Rebate
    • Accumulate eligible transactions with the total net amount of HK$5,000 – HK$8,000 below within Spending Period
    HK$400 Cash Rebate
    • Accumulate eligible transactions with the total net amount of HK$8,000 or above within Spending Period
    HK$800 Cash Rebate
  • Up to 5% Cash Rebate on Online Spending (HK$20 = HK$1 Cash Rebate)

  • First year annual fee waiver

  • Welcome Offers are not applicable to any credit card applicant who currently holds or held any other CNCBI Credit Cards issued by the Bank in the 12-month immediately preceding the relevant application for the credit card (excluding supplementary cardmember).

  • Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/credit-card/en/tc.html.

Dah Sing ONE+ Credit Card
Dah Sing ONE+ Credit Card
$-
Min. Annual Income
1%
Local Spending - Cashback Rate
1%
Overseas Spending - Cashback Rate
Dah Sing Bank
Dah Sing ONE+ Credit Card
More details
More details
Card Features
  • Welcome Offer

    RequirementWelcome Offers
    (1 from 2)
    New customers who accumulated spending of HK$8,000 or above within the first 2 months from the date of card issuanceKB Air Mask Portable Air Purifier
    (Value at HK$1,180)
    New customers who

    • accumulated eligible spending of HK$6,000 or above within the first 2 months from the date of card issuance, AND
    • accumulated eligible spending of HK$3,000 or above contactless or in-app retail transaction made via Apple Pay and/or Google Pay and/or Samsung Pay within the 3rd to 4th months from the date of card issuance
    Up to HK$800 Cash Rebate
    (HK$500 Cash Rebate + Mobile Payment HK$300 Cash Rebate)
  • New Credit Cardholder Cash-In Plan

    • Enjoy extra-low handling fee Cash-In Plan with low monthly handling fee at 0.06%. Loan amount up to HK$100,000, and up to 12 months repayment period.
  • Unlimited 1% Cash Rebate with no registration required

  • Online Benefits

    • Enjoy 10% off on delivery services at www.dou4la.com
    • Enjoy 5% off on regular-priced items for designated brands at GoWild
    • Enjoy a Special Price of MOOV lossless music services
  • First 2-year Annual Fee Wavier

  • Welcome Offer is only applicable to new Principal Card applicant (i.e. who did not hold any Principal Card or Supplementary Card of any card type issued by Dah Sing Bank, Limited in the past 12 months) who successfully applies for Dah Sing ONE+ Credit Card within the Promotion Period.

AEON UnionPay Credit Card
AEON UnionPay Credit Card
$-
Min. Annual Income
0.4%
Local Spending - Cashback Rate
0.4%
Overseas Spending - Cashback Rate
AEON Credit Service
AEON UnionPay Credit Card
More details
More details
Card Features
  • Up to HK$600 Rebate as Welcome Gift

    • From 11 July 2020 to 30 June 2021 (promotion period), both dates inclusive, new customers who successfully apply for AEON UnionPay Credut Card are entitled to 3% rebate, up to HK$500 upon credit spending or Interest-Free Card Instalment Plan, within the first 60 days after the card approval and issuance
    • Successfully apply via AEON website, and upon credit card spending within the first 60 days after the card approval and issuance, can enjoy extra HK$100 rebate
  • “AEON Spending Reward” earn up to HK$1,700 spending reward

    • From 21 October 2020 to 10 March 2021, enjoy newly launched “AEON Spending Reward”, earn up to HK$1,700 spending reward upon accumulated eligible spending of designated amount include credit purchase and cash advance with AEON Credit Card.
  • AEON Credit Card x REAP Payment Platform

    • By paying any expenses such as rent, tax payment, tuition fees, utility payments, home renovation fees, or other expenses on Reap payment platform via eligible AEON Credit Card, customers can enjoy HK$0 handling fee on first HK$10,000 transaction amount and earn up to HK$2,500 Spending Rebate on “AEON Spending Reward” Promotion
  • Settlement in Hong Kong Currencies

    • For credit purchase or cash advance transactions made in HK or Mainland China, all are calculated in Hong Kong currencies
  • AEON Shopping Offer

    • Enjoy 5% credit purchase discount at AEON on “Thanksgiving Days” (2nd & 20th of every month).
    • Enjoy all year-round with the “AEON Member Price”
  • AEON Bonus Points Program

    • Every HK$1 spent on credit purchase entitled 1 bonus point. (25,000 bonus points can redeem HK$100 cash coupon, which equals to 0.4% rebate)
    • Every HK$1 on credit purchase or Interest-free Card Instalment Plan at AEON Stores entitled 2 bonus points. (25,000 bonus points can redeem HK$100 cash coupon, which equals to 0.8% rebate)
    • Points accrued can be used for redemption offered by AEON Bonus Point Program
  • Perpetual Annual Fee Waiver

  • Welcome offer is only applicable to new customer shall means applicant applies for the new AEON Credit Card has not held any valid designated AEON Credit Card in 12 months (including not yet activated credit card)

  • AEON online bill payment, Octopus Automatic Add Value Service, and e-Wallets fund transfer and value added service are not counted as eligible transactions for the welcome offer

【2021信用卡】申請信用卡20大FAQs

1. 信用卡有甚麼好處?

  • 使用信用卡不但能延遲還款,更能賺取現金回贈或飛行里數。部份信用卡公司更會與商戶合作提供折扣優惠,為信用卡持有人提供更多著數。另一方面,使用信用卡及準時還款,能產生良好的信貸評分,幫助日後私人借貸或申請按揭。


 

2. 申請信用卡要符合甚麼資格?

  • 信用卡基本要求申請人年滿18歲、持有香港身份證及能提供住址證明,而個別信用卡申請門檻較高,會要求申請人達到指定月薪要求,發卡機構才會批出申請。


 

3. 申請信用卡需要甚麼文件?

  • 一般需要提交身份證、入息證明(銀行月結單或存摺)及住址證明。


 

4. 信用卡的信貸額如何計算?

  • 每張信用卡設有指定信貸額,銀行會根據申請人的入息及信貸評分批出信貸額,如果信貸額為$80,000,即持卡人最大的簽賬或透支額便是$80,000。


 

5. 信用卡有哪幾類發卡組織?

  • 國際主要發卡組織主要包括Visa、Mastercard、美國萬通AE、銀聯及JCB。發卡組織會與發卡機構(如銀行)合作推出信用卡,發卡機構可以享有發卡組織的安全系統及使用其優惠。


 

6. 如何選擇信用卡?

  • 要選擇適合自己的信用卡,要留意自己的消費習慣。如果專注於網購,便選擇網購回贈較高的信用卡;如果經常於超市消費,便選擇主打超市的信用卡。如果消費習慣較為平均,便選擇所有簽賬回贈較高的信用卡。如果平日經常出國,便選擇外幣簽賬回贈較高的信用卡。


 

7. 信用卡有甚麼付款方法?

  • 如果前往零售簽賬,可以透過信用卡終端機刷卡、插卡或非接觸式支付。如果屬於網購,輸入信用卡號碼及CVC等資料(大部份信用卡再要經過手提電話驗證),便能成功簽賬。


 

8. 申請信用卡有甚麼途徑?

  • 除了直接前往銀行申請,亦可透過網上申請或透過經絡按揭申請 (www.mreferral.com/信用卡比較)。


 

9. 收到信用卡月結單,如何找卡數?

  • 向銀行申請自動轉賬過數,透過自動櫃員機由戶口轉賬,銀行e-banking轉賬過數,PPS(繳費靈)轉賬,預備支票寄往發卡銀行或便利店繳付均可。


 

10. 信用卡迎新禮物有甚麼種類?

  • 信用卡迎新禮物包括實物如手提行李箱、現金回贈、飛行里數等。


 

11. 如何領取到信用卡迎新優惠?

  • 為了吸引新客戶使用信用卡,發卡機構會提供限時迎新優惠,但通常要消費指定金額後才能享有。例如在發卡後首3個月內簽賬滿$5,000,便可獲贈小型家電。所以申請信用卡要把握時機,如果預知將來有較大額度的消費,可預備時間申請信用卡及簽賬,賺取迎新優惠。


 

12. 信用卡現金回贈如何運作?

  • 信用卡現金回贈方式主要有兩種,第一種是現金回贈直接於下期信用卡賬單中扣賬,另一種是消費後會變成信用卡積分,儲滿若干積分便能換取現金回贈,例如消費滿$250獲取1分。


 

13. 信用卡簽賬如何賺取飛行里數?

  • 飛行里數可換取機票、酒店或機場貴賓服務,酒店及旅行團也可以透過飛行里數換取。部份信用卡主打消費送贈飛行里數,回贈的里數會較其他信用卡優勝。


 

14. 如何知道信用卡最新優惠?

  • 除了留意發卡機構的官方網頁,可留意經絡按揭轉介信用卡比較平台專頁,一次過了解每張信用卡的優勢。


 

15. 是否所有簽賬均會獲得現金回贈?

  • 未必,信用卡條款列明「不適用簽賬」部份,例如旅行支票、交稅、賭場交易等,申請前要仔細留意信用卡條款。


 

16. 想用電子錢包賺取積分,有甚麼需要留意?

  • 部份信用卡把電子錢包交易列為不合資格的簽賬,要留意信用卡條款。


 

17. 信用卡有甚麼收費?

  • -欠交卡數利息:信用卡如果在最遲還款日前準時還款,不會收取手續費。如果欠交信用卡欠款,銀行會收取利息,實際年利率高達三十幾厘。
    -透支/套現:如果使用信用卡透支或套現,發卡機構便會收取相關利息及手續費。
    -年費:個別信用卡會收取年費,但一般致電發卡銀行提出要求,也能獲得豁免。


 

18. 信用卡還款為甚麼要準時?

  • 使用信用卡必須準時還款,欠交款項除了要支付罰息,更會影響個人信貸評級,日後申請私人貸款或按揭未必能享有最優惠計劃,甚至未必獲批申請。


19. 甚麼是信用卡「現金透支」?

  • 在自動櫃員機提取現金視為現金透支,有機會被收取高達三十多厘息及手續費用。


 

20. 甚麼是信用卡「現金套現」?

  • 持卡人需要先向銀行申請,批核的金額會直接轉賬至持卡人戶口,利率遠低於現金透支。
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