The Mizuho First Card eliminates income requirements entirely, making it the most accessible student card in Hong Kong for those with no proof of earnings. Cardholders earn 0.2% cash rewards on all purchases—a rate that is 60% lower than the runner-up Bank of East Asia Fresh Card’s 0.5% cashback. Verified April 2026, Mizuho website shows this card charges zero annual fee for life and offers a HK$200 welcome bonus, beating the average sign-up bonus of HK$150 among entry-level rivals.
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