PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

The PrimeCredit EarnMore UnionPay Diamond Card offers the first 2 years with no annual fee. As a welcome offer, meeting a specified spending amount allows you to enjoy an OTO massage chair or a silver ion air purifier! Using the card for spending over HK$150,000 grants a 2% cashback, including local retail, dining, online shopping, and overseas transactions. There's a foreign currency transaction fee, but it also provides LoungeKey access discounts for entry into VIP lounges.
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Quick Facts
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Eligibility
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PrimeCredit EarnMORE UnionPay Diamond Card Highlights

Interest on installment plans
0  %
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Cashback Overseas
2  %
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Cashback Online Shopping
2  %
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Cashback Local
2  %
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2 Offers Available
Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (valued at HK$2,198)
Welcome Offer
Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (valued at HK$2,198)

+ 4 other gift options

  • Spend HK$8,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date:
    • Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (valued at HK$2,198); or
    • GoPro HERO 4K Action Camera (CHDHF-131) (valued at HK$1,600)
  • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date:
    • HK$500 Cash Rebate; or

  • Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from the card issue date (only applicable to Full-time University / Tertiary Student):

    • HK$400 Klook Gift Card; or
  • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program (No spending requirement)
Taiwan Spending Up to 5% Cash Rebate
EarnMORE UnionPay Card Additional 2% Cash Rebate Program
Taiwan Spending Up to 5% Cash Rebate
  1. Promotion starts from 1 January 2025 to 31 December 2025 (both dates are inclusive) (“Promotion Period”). Cardholders will be awarded 2% Cash Rebate for Eligible Retail Purchase Transaction made by PrimeCredit Credit Card during the Promotion Period (“2% Cash Rebate”), 2% Cash Rebate amount will be calculated by every single Eligible Retail Purchase Transaction.
  2. 2% cash rebate includes EarnMORE UnionPay Card basic cash rebate and EarnMORE UnionPay Card extra cash rebate. During the promotional period, the basic 1% cash rebate is unlimited, but the 1% extra cash rebate is capped at HK$1,500. Terms and conditions apply.
  3. Octopus Automatic Add-Value: For every automatic add-value of HK$250, a rebate of HK$1 will be given.
  4. EarnMORE UnionPay Card extra cash rebate does not include (but is not limited to) cash advance amounts, credit card fees (including annual fees, interest/finance charges, late payment fees, over-limit fees, cash advance fees, and other charges), Octopus Automatic Add-Value transactions, casino transaction amounts, any money/electronic money transfers (including but not limited to peer-to-peer (P2P) payment services, mobile devices/applications/electronic transfer platforms), reloading electronic wallets, payments via electronic wallets, promotional cash-out amounts, cash installment, installment amounts, unposted/canceled/refunded/fraudulent transactions, and all unauthorized transaction amounts. All eligible retail purchase transactions are subject to the records of the financial institution.

Things to consider

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Foreign txn rebate

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Travel agency offer

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Installment

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PrimeCredit EarnMORE UnionPay Diamond Card Benefits

Cashback

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Cashback Base Rate
2  %
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Cashback Local
2  %
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flight
Cashback Overseas
2  %
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restaurant
Cashback Dining
2  %
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shopping_bag
Cashback Online Shopping
2  %
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Cashback Overseas Online Shopping
2  %
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Cashback Digital Wallet
2  %
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Cashback Forex
2  %
Cashback Octopus Top Up Spending
1  %

Additional benefits

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Airport Lounge Access
3  times
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PrimeCredit EarnMORE UnionPay Diamond Card More Info

Pay with EarnMORE UnionPay Credit Card and enjoy 2% direct cash rebate

  • 2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending (HK$250 spending = HK$5 cash rebate)
Easy and instant payment with in-app UnionPay QR code function in OmyCard app
  • Enjoy "Hot Deals Patrols" limited-time offers through the app. You can buy popular products at a discounted price.

Annual fee waiver for the first 2 years

Other things to note

  • Welcome offers Approval Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
  • Each card can be entitled to a maximum amount of HK$1,500 extra 1% cash rebate during the Promotion Period.
    • Eligible Retail Purchase Transactions include to all posted retail purchase transactions and exclude Reload of e-Wallets.
    • The promotion period of 2% year-round rebate is valid from 1 January 2025 to 31 December 2025.
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PrimeCredit EarnMORE UnionPay Diamond Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement
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PrimeCredit EarnMORE UnionPay Diamond Card Fees / Repayment

Fees

Annual Fee Waiver
First 2 years
Annual Fee
HK$ 1,500
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Foreign Currency Transaction Fee
Waived

Repayment

Minimum Payment
HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late Payment Charge
HK$ 320
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Retail Purchase APR
35.95  %
Cash Advance APR
35.96  %
Interest Free Period
53  days
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PrimeCredit EarnMORE UnionPay Diamond Card Others Info

Association

UnionPay Diamond

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PrimeCredit EarnMORE UnionPay Diamond Card PrimeCredit EarnMORE UnionPay Diamond Card

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