Best PrimeCredit Credit Cards in Hong Kong 2021

PrimeCredit Credit Service offers some of the best cashback cards on the market with generous promotions and no annual fee. Read our review of every PrimeCredit Credit Card in Hong Kong and compare them with other cashback cards to determine whether they are the best fit for your budget and spending style.

Best PrimeCredit Local Cashback Card
Best PrimeCredit Cards for Travel

Compare Best Credit Cards in Hong Kong by Dollar Value

We analysed the best overall credit cards on the market to estimate returned value-to-consumer after 2 years based on an average monthly spend of HK$12,000 and accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best credit cards compare to one another in terms of their rewards
Best Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best PrimeCredit Local Cashback Card Best PrimeCredit Cards for Travel

Compare Best Credit Cards in Hong Kong by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best overall credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best overall credit cards compare to one another in terms of their rewards
Best Overall Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best PrimeCredit Local Cashback Card

This PrimeCredit cashback card offers the highest consistent cashback rate in Hong Kong. While some cashback credit cards offer higher rates in specific categories, this PrimeCredit card is optimised for consumers who want impressive rewards on every purchase.

PrimeCredit EarnMORE UnionPay Diamond Card: Highest Flat Cashback on the Market

  • Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 rewards (HK$200 supermarket coupon + HK$300 cash rebate)
  • Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Dyson V7 Vacuum Cleaner w/ HK$8.5k spend in 1st 3mo (redemption fee required), OR:
  • Receive Tefal Air Fryer w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Read Our Full Review
PrimeCredit EarnMORE UnionPay Diamond Card offers the best consistent cashback rate on the market for local spenders with a modest budget. Cardholders earn a 2% rebate on local, online and overseas spending, 5 times higher than the average credit card’s 0.4% rate.


This PrimeCredit credit card also offers a number of perks for travellers. Cardholders enjoy waived foreign currency transaction fees, limo service discounts and up to 3 complimentary lounge visits per year, all with no spending requirements.

One drawback is that EarnMORE UnionPay Diamond Card’s 2% rebate is capped at just HK$2,000 per year, which is reached with HK$100,000 annual spend. Consumers would only need to spend about HK$8,333 per month to hit this annual cap, which means higher income earners might want to consider an uncapped credit card like Standard Chartered Simply Cash Visa Card or Citi Cash Back Card.

Altogether, PrimeCredit EarnMORE UnionPay Diamond Card is a great choice for average earners looking for impressive rewards across their budget.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas and online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service and up to 3 free lounge visits per year
  • Stand-Out: Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 rewards (HK$200 supermarket coupon + HK$300 cash rebate)
  • Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Dyson V7 Vacuum Cleaner w/ HK$8.5k spend in 1st 3mo (redemption fee required), OR:
  • Receive Tefal Air Fryer w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Read Our Full Review
PrimeCredit EarnMORE UnionPay Diamond Card offers the best consistent cashback rate on the market for local spenders with a modest budget. Cardholders earn a 2% rebate on local, online and overseas spending, 5 times higher than the average credit card’s 0.4% rate.


This PrimeCredit credit card also offers a number of perks for travellers. Cardholders enjoy waived foreign currency transaction fees, limo service discounts and up to 3 complimentary lounge visits per year, all with no spending requirements.

One drawback is that EarnMORE UnionPay Diamond Card’s 2% rebate is capped at just HK$2,000 per year, which is reached with HK$100,000 annual spend. Consumers would only need to spend about HK$8,333 per month to hit this annual cap, which means higher income earners might want to consider an uncapped credit card like Standard Chartered Simply Cash Visa Card or Citi Cash Back Card.

Altogether, PrimeCredit EarnMORE UnionPay Diamond Card is a great choice for average earners looking for impressive rewards across their budget.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas and online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service and up to 3 free lounge visits per year

Best PrimeCredit Cards for Travel

Most credit cards with travel perks are air miles cards, but these PrimeCredit cards offer highly competitive discounts and promotions for regional travellers as well as significant cashback rewards.

PrimeCredit WeWa UnionPay Diamond Card: Top Rebates on Local Entertainment and Travel Bookings

  • Up to 4% rebate on local leisure & travel bookings
  • Promotions: Receive HK$500 rewards (HK$200 supermarket coupon + HK$300 cash rebate)
  • Receive HK$500 cashback w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Nespresso Essenza Mini Coffee Machine w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Nintendo Switch Software Ring Fit Adventure w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Nikko Camping tent and Sleeping Bag Package w/ HK$8.5k spend in 1st 3mo
  • Read Our Full Review
Consumers looking for remarkable rewards on their vacation planning and local entertainment spend should definitely consider the PrimeCredit WeWa UnionPay Diamond Card. Although cardholders receive just 0.4% cashback on general spend, they earn an excellent 4% cashback for their airline bookings and local leisure spend with designated merchants.


Eligible merchants include popular businesses such as:

  • Disneyland
  • Ocean Park
  • AMC Cinemas
  • China Travel Service
  • Cathay Pacific
  • Hong Kong Airlines
  • British Airlines and more.


During their travels, consumers can enjoy convenient perks like waived foreign currency transaction fees, discounted limo service, and up to 3 complimentary lounge visits per year. Altogether, cardholders can enjoy some of the top cashback rates on flight bookings and entertainment transactions with PrimeCredit WeWa UnionPay Diamond Card.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800, 2-yr waiver
  • 4% cashback w/ select airlines, travel agencies & entertainment merchants
  • 0.4% cashback on general spend
  • Foreign currency transaction fee waived
  • Discounted limousine service & up to 3 free lounge visits per year
  • Stand-Out: Up to 4% rebate on local leisure & travel bookings
  • Promotions: Receive HK$500 rewards (HK$200 supermarket coupon + HK$300 cash rebate)
  • Receive HK$500 cashback w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Nespresso Essenza Mini Coffee Machine w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Nintendo Switch Software Ring Fit Adventure w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Nikko Camping tent and Sleeping Bag Package w/ HK$8.5k spend in 1st 3mo
  • Read Our Full Review
Consumers looking for remarkable rewards on their vacation planning and local entertainment spend should definitely consider the PrimeCredit WeWa UnionPay Diamond Card. Although cardholders receive just 0.4% cashback on general spend, they earn an excellent 4% cashback for their airline bookings and local leisure spend with designated merchants.


Eligible merchants include popular businesses such as:

  • Disneyland
  • Ocean Park
  • AMC Cinemas
  • China Travel Service
  • Cathay Pacific
  • Hong Kong Airlines
  • British Airlines and more.


During their travels, consumers can enjoy convenient perks like waived foreign currency transaction fees, discounted limo service, and up to 3 complimentary lounge visits per year. Altogether, cardholders can enjoy some of the top cashback rates on flight bookings and entertainment transactions with PrimeCredit WeWa UnionPay Diamond Card.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800, 2-yr waiver
  • 4% cashback w/ select airlines, travel agencies & entertainment merchants
  • 0.4% cashback on general spend
  • Foreign currency transaction fee waived
  • Discounted limousine service and up to 3 free lounge visits per year

PrimeCredit Star Credit Card: Competitive Discounts and Rebates for CTS customers

  • Up to 5% cash rebate on China Travel Service spend + travel discounts
  • Promotions: Receive a 10% discount on Club Med products purchased at China Travel Service in Hong Kong
  • Receive up to 20% discount on food and beverages at select hotels
  • Receive a HK$1 handcrafted cup of coffee at Pacific Coffee in HKIA w/ boarding pass
  • Receive discounted HK$250 limo trip from HKIA, SH, BJ and SZ international airports w/ HK$3k spend in 2 transactions
PrimeCredit Star Credit Card is a great choice for China Travel Service (CTS) loyalists looking for discounts and perks on their vacations. Cardholders earn an initial 0.4% on transactions with CTS, plus an additional HK$11.5 (4.6%) rebate every time they spend HK$250, resulting in an excellent 5% cashback rate. The elevated rebate on CTS purchases is capped at HK$1,500 per year, or after HK$30,000 spend.


Cardholders can enjoy a 10% discount on Club Med products purchased at all CTS branches in Hong Kong. They can also receive up to 20% off select restaurants at numerous hotels in Hong Kong, along with premium limo services and LoungeKey privileges across Greater China.

While PrimeCredit Star Credit Card offers great cashback and perks for specific travel and leisure expenses, consumers can earn greater rewards on general expenses with other cashback credit cards on the market.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800
  • Up to 5% cashback on travel expenses with CTS
  • 0.4% cashback on other expenses
  • 10% discount on Club Med products purchased at China Travel Service
  • Up to 20% off dining at select hotels
  • Foreign currency transaction fee waived
  • Discounted limousine service and up to 3 free lounge visits per year
  • Stand-Out: Up to 5% cash rebate on China Travel Service spend + travel discounts
  • Promotions: Receive a 10% discount on Club Med products purchased at China Travel Service in Hong Kong
  • Receive up to 20% discount on food and beverages at select hotels
  • Receive a HK$1 handcrafted cup of coffee at Pacific Coffee in HKIA w/ boarding pass
  • Receive discounted HK$250 limo trip from HKIA, SH, BJ and SZ international airports w/ HK$3k spend in 2 transactions
PrimeCredit Star Credit Card is a great choice for China Travel Service (CTS) loyalists looking for discounts and perks on their vacations. Cardholders earn an initial 0.4% on transactions with CTS, plus an additional HK$11.5 (4.6%) rebate every time they spend HK$250, resulting in an excellent 5% cashback rate. The elevated rebate on CTS purchases is capped at HK$1,500 per year, or after HK$30,000 spend.


Cardholders can enjoy a 10% discount on Club Med products purchased at all CTS branches in Hong Kong. They can also receive up to 20% off select restaurants at numerous hotels in Hong Kong, along with premium limo services and LoungeKey privileges across Greater China.

While PrimeCredit Star Credit Card offers great cashback and perks for specific travel and leisure expenses, consumers can earn greater rewards on general expenses with other cashback credit cards on the market.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800
  • Up to 5% cashback on travel expenses with CTS
  • 0.4% cashback on other expenses
  • 10% discount on Club Med products purchased at China Travel Service
  • Up to 20% off dining at select hotels
  • Foreign currency transaction fee waived
  • Discounted limousine service and up to 3 free lounge visits per year
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as a Legislative Fellow as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross and received multiple scholarships for Chinese language studies, including the State Department Critical Language Scholarship.