The Bank of East Asia Fresh Card requires the lowest income threshold among student credit cards in Hong Kong, with no annual fee for holders under 30. Cardholders earn 0.5% cashback on all spending—a rate that is 0.3% higher than the Mizuho First Card’s flat 0.2%. Verified April 2026, BEA website confirms this entry-level offering demands just HK$60,000 annual income, outperforming #10 Mizuho First Card’s HK$0 minimum but with higher earning potential.
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