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.
- Up to $800 RewardCash[@cards-welcomeoffer]
- Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
- Extra $100 RewardCash by using the QR Code Payment function in HSBC Reward+[@cards-rewardplus-qrcode-100rc]
- First 2-year annual fee waiver
Earn up to 4.4% RewardCash
Get up to 4.4% exclusive RewardCash rebate every time you make a purchase in Mainland China and Macau—learn more about earning extra rebates
Easy QR code payments with $100 RewardCash rebate
Display the QR code or scan the merchant's QR code in the Reward+ app to complete transactions in mainland China, Hong Kong, Macau or anywhere that accepts UnionPay QR codes, without having to show the physical card—earn $100 RewardCash in rebates when you make 5 or more QR code payment transactions of HKD/RMB30 or more each; see offer details.
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.
- 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.
- Get the mark up fee waived for transactions in Renminbi and Macau Pataca.
Discover a world of privileges with your UnionPay card
Unlock a range of perks with your UnionPay card, including:
- Buy 1 get 1 free at ÉPURE Tsim Sha Tsui, Zuma Central and La Rambla Central. Learn more on UnionPay's website.
- Enjoy extra free parking hours at designated SHKP Malls. Learn more on UnionPay's website.
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—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 digital wallets. Start shopping online and making mobile payments with your card right away for a faster, hassle-free experience!
Things you should know
An annual income of HKD150,000 or above
Apply online now
With HSBC Personal Internet Banking
Without HSBC Personal Internet Banking
Frequently asked questions
What are my repayment options for this card?
What are 'Assist Services'?
What supporting documents do I need to provide in my credit card application?
Where can I upload supporting documents for my credit card application?
How long will it take for me to get my new credit card?
Can I get an annual fee waiver on my credit card?
How are credit card finance charges and late charges calculated?
To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.