#9
sim Credit Card
HK$800/yr (1st yr waived)(HK$800)
Should this item rank higher or lower?
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sim Credit Card (sim Credit Card 網購信用卡), issued by sim Credit Card (UA Finance), delivers up to 8% cash/points rebate alongside a Up to HK$1,000–HK$2,398 cash/gift welcome reward welcome package (valid through 2026-12-31).
Also Ranks On
View canonical entity profile (4 lists) →sim Credit Card (sim Credit Card 網購信用卡), issued by sim Credit Card (UA Finance), delivers up to 8% cash/points rebate alongside a Up to HK$1,000–HK$2,398 cash/gift welcome reward welcome package (valid through 2026-12-31).
Key Metrics
Issuer
sim Credit Card (UA Finance)
Local Miles Rate
Cashback-focused
Overseas Miles Rate
Cashback-focused
Headline Cashback
Up to: 8%
Monthly Spend Cap
HK$2,500/mo
Welcome Offer
Up to HK$1,000–HK$2,398 cash/gift welcome reward
Annual Fee & Waiver
HK$800 (First year waived)
FX Fee
1.95%
Pros and Cons
Pros
- Headline 8% cashback on eligible online retail transactions (capped at HK$200/month) and 3% at designated Tokyo/HK lifestyle stores
- zero minimum income requirement
Cons
- Requires HK$500 non-online physical store spend in the same statement month to unlock the 8% online rebate
Eligibility
- Minimum annual income HK$0
- HK$5,000 qualifying spend required
- new-to-cardholder cooling-off rule: 12 months
Things to Watch Out For
- Requires HK$500 non-online physical store spend in the same statement month to unlock the 8% online rebate
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