The DBS Live Fresh Card dominates as the top student card in Hong Kong with a proven 0% annual fee for under 25s and no income requirement—unmatched accessibility. You earn 4% cashback on online spending and an HK$800 sign-up bonus after spending HK$3,000 in the first 60 days, verified April 2026 from the DBS website. This outperforms #2 HSBC Red Card by offering a higher welcome bonus and broader cashback categories, while being 20% more rewarding on dining than the average student card.
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