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Terms & Conditions
Who is it For?
Consumers who prefer to earn unlimited stress-free cashback all year round on local and foreign currency spending.
Card Categories
Shopping, Dining
Min. Annual Income
HK$120,000
Miles/Cashback Rate
2% on local dining and hotel spending, and spending in foreign currency; 1% cashback on all other local spending
Annual Fee
HK$1,800 (first year waived)
Key Features
- 2% cashback on local dining and hotel spending, and spending in foreign currency
- 1% cashback on all other local spending
- All rebates are automatic with no cap
- Purchase protection insurance against damages, loss or theft
Rates & Fees
- Foreign Transaction Fee: 1.95%
- Minimum Payment: 1.5% of statement balance
- Late Charge: HK$300 or the minimum payment due, whichever is lower
- Overlimit Charge: HK$180 per monthly statement
- Retail Purchase APR: 34.28%
- Cash Advance APR: 35.81%
- Cash Advance Fee: HK$100 per transaction
- Interest Free Period: Up to 58 days
