Enjoy extra rewards, great deals and flexible payment on local and mainland China spending
Manage your spending with ease and enjoy fabulous rewards at home, in mainland China or beyond.
- Apply online to get up to $800 RewardCashFootnote link 1
- Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment PlanFootnote link 2
- First 2-year annual fee waiver

Key benefits
Enjoy these exclusive benefits

Overseas and Mainland China spending rewards
- Up to extra 2% exclusive RewardCash rebate for spending made through QR Code Payment and/or Mobile Payment in Mainland China and Macau. No spending requirement is required. T&Cs apply. This link will open in a new window
- Enjoy up to 2.4% RewardCash on Red Hot Rewards of Your Choice when you select Overseas and Mainland China Spending as your chosen spending categories. Check out the offer details This link will open in a new window.
- Get the mark up fee waived for transactions in Renminbi..
Additional benefits you can enjoy
- One card, dual currencyEnjoy flexible payments in Hong Kong dollars and renminbi without worrying about exchange rate fluctuations.
- Enjoy overseas medical, travel assist and concierge services (Assist Services)Need some help while you're abroad? We're just a call away. Our Assist Services This link will open in a new window—Emergency Medical Assistance, Emergency Travel Assistance, and Concierge Service—are ready to lend a hand.
- Foreign currency transaction fee waiverSave 1.95% in fees on every renminbi and Macau pataca transaction.
- Activate your virtual card once your application has been approvedOnce your application has been approved, you can activate your virtual card and add it to your mobile wallets. Start shopping online and making mobile payments with your card right away for a faster, hassle-free experience!
Things you should know
Eligibility
An annual income of HKD120,000 or above
Apply online now
With HSBC Personal Internet Banking
Without HSBC Personal Internet Banking
Frequently asked questions
Notes
- Welcome offer is subject to relevant promotional terms and conditions;
- New Credit Card Customers who activate the Eligible Credit Card, and successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HKD20,000 and with a repayment period of 12 months or above within the first 60 calendar days after card issuance, can enjoy an extra $200 RewardCash. Terms and conditions apply.