sim Credit Card

sim Credit Card

The sim Credit Card has no income requirement and allows cash advances at various bank ATMs with Mastercard. As a welcome offer, the sim Credit Card provides Apple Gift Cards, HKTVmall vouchers, and more. The card also offers a first-year annual fee waiver. When used for online purchases, it provides up to 8% cashback, and for specified local merchants and restaurants, there's a 3% cashback, capped at HK$200 per month.
Annual Fee
HK$ 800
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Cashback Local
Up to 3  %
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Annual Fee Waiver
First year
Cashback Local Online Shopping
Up to 8  %
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7 Offers Available
DYSON Purifier Hot+Cool Formaldehyde HP09 (valued at HK$7,180)
【New Year Bonus】$110,000 in Gifts
DYSON Purifier Hot+Cool Formaldehyde HP09 (valued at HK$7,180)

+ 3 other gift options

  • Gift option:
    • Dyson Purifier Hot+Cool Formaldehyde HP09 (value: HK$7,180)
    • Delsey TITANIUM 69.5CM / 27.5-inch Double Wheel Luggage (value: HK$2,480)
    • Apple AirPods (3rd Generation) (value: HK$1,288)
    • HK$500 Fortress Cash Voucher (value: HK$500)
  • From January 13 to February 12, 2025, at 6 PM, apply for our exclusive reward products, including credit cards, personal loans, securities accounts, or bank accounts, and fill out the MoneyHero reward redemption form to receive the Snake Year electronic fortune bag (sent via email)! By answering a creative question, we will select 88 winners to receive the following prizes:
    • 1st Prize: Dyson HP09 Formaldehyde Removal Air Purifier (Value: HK$7,180)
    • 2nd to 21st Prizes: Delsey TITANIUM 69.5CM/27.5-inch Dual-Wheel Luggage (Value: HK$2,480)
    • 22nd to 48th Prizes: Apple AirPods (3rd Generation) (Value: HK$1,288)
    • 49th to 88th Prizes: HK$500 Fortress Cash Voucher (Value: HK$500)
  • For details, please refer to the terms and conditions.
HK$800 Lucky Money Fortune Bag
【New Year Rewards】Big Lucky Money!
HK$800 Lucky Money Fortune Bag
  • HK$800 Lucky Money Fortune Bag From January 13, 2025, until 6 PM on February 12, 2025, apply for our exclusive reward promotion products such as credit cards, personal loans, securities accounts, or bank accounts, and fill out the MoneyHero Reward Redemption Form to receive a Snake Year electronic fortune bag worth up to HK$800 (sent via email), which includes:
    i. Shopback HK$50 cash rebate;
    ii. 12-month Deliveroo Plus Silver membership for MoneyHero customers (worth HK$696) + HK$80 discount;
    iii. A new Freebird roaming SIM with a "Buy 3 Days, Get 2 Days Free" offer for data in 12 Asian countries (worth HK$30);
    iv. A free set of limited edition "Sharp Wake Up and Save" red packets from MoneyHero (10 in total, redeemable via email).
  • For details, please refer to the terms and conditions.
HK$1,000 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$1,000 Apple Store Gift Card

+ 5 other gift options

New sim Customers can get MoneyHero Exclusive reward with Greater Bay Airlines Round-trip tickets for one from Hong Kong to Japan (Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima. Limited, first come first serve) / Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color) / POLARIOD NOW+ I-TYPE Instax (valued at HK$1,599) / Archer GXE75 AXE5400 Tri-Band Wi-Fi 6E (valued at HK$1,499) / HK$1,000 Apple Store Gift Card / HK$1,000 Wellcome Shopping Voucher

Requirements

  • From 10 January 2025 6 p.m. till 24 January 2025 6 p.m.: Successfully apply for the designated sim Credit Card(s) and submitted redemption form via MoneyHero
  • On or before 24 February 2025: The card must be approved by sim
  • The redemption period for the Greater Bay Area Airlines tickets offered in this promotional event is from November 15, 2024, to April 30, 2025. Travel dates are from January 1, 2025, to July 10, 2025, and are not applicable on specified dates. For details, please refer to this website.
Tips
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
  • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions
New Customer: up to HK$2,358 CashBack + Movie Combo
Lunar New Year Cashback Offer
New Customer: up to HK$2,358 CashBack + Movie Combo

Lunar New Year Promotion
1. During the promotion period from 10 January to 28 February 2025, simply use sim Credit Card to accumulate a specific amount on non-online spending, you can earn up to HKD$1,008 cashback and a Movie Combo:
a) Reward 1: Frequent Spending Reward of up to HKD$120
b) Reward 2: Accumulated Spending Reward of up to HKD$888 & a movie combo (Including 2 movie e-vouchers and 1 twins popcorn combo)
2. Please click here to register & refer to Terms and Conditions for more details.

Travel Bliss Reward
1. From 18 December 2024 to 31 March 2025, simply accumulate eligible transactions at local travel agencies (including travel websites) or airlines with your sim Credit Card and reach the designated amount, you can earn up to HKD$600 cashback in each phase:
a) Phase one: 18 December 2024 to 31 January 2025 (both dates inclusive)
b) Phase two: 1 February 2025 to 28 February 2025 (both dates inclusive)
c) Phase three: 1 March 2025 to 31 March 2025 (both dates inclusive)
2. Please click here to register & refer to Terms and Conditions for more details.

Welcome Offer
1. Welcome gift - EIGHT Emperor Cinemas Movie e-Vouchers / Up to HKD$700 Cash Rebate / Apple Store Gift Card / HKTVmall e-coupon / Matsukiyo Cash Voucher
2. Please refer to Terms and Conditions for more details.

Complete Identity Verification to get HKD 50 CashBack
Complete the identity verification in sim Credit Card app within 3 hours after submitting your web application and you will receive an additional HKD 50 cash reward. Terms and conditions apply.

Existing Customer: Up to HK$1,608 CashBack + Movie Combo
Lunar New Year Cashback Offer
Existing Customer: Up to HK$1,608 CashBack + Movie Combo

Lunar New Year Promotion
1. During the promotion period from 10 January to 28 February 2025, simply use sim Credit Card to accumulate a specific amount on non-online spending, you can earn up to HKD$1,008 cashback and a Movie Combo:
a) Reward 1: Frequent Spending Reward of up to HKD$120
b) Reward 2: Accumulated Spending Reward of up to HKD$888 & a movie combo (Including 2 movie e-vouchers and 1 twins popcorn combo)
2. Please click here to register & refer to Terms and Conditions for more details.

Travel Bliss Reward
1. From 18 December 2024 to 31 March 2025, simply accumulate eligible transactions at local travel agencies (including travel websites) or airlines with your sim Credit Card and reach the designated amount, you can earn up to HKD$600 cashback in each phase:
a) Phase one: 18 December 2024 to 31 January 2025 (both dates inclusive)
b) Phase two: 1 February 2025 to 28 February 2025 (both dates inclusive)
c) Phase three: 1 March 2025 to 31 March 2025 (both dates inclusive)
2. Please click here to register & refer to Terms and Conditions for more details.


Up to HK$8,888 cash rewards
Lunar New Year Big Spenders Reward
Up to HK$8,888 cash rewards
Lunar New Year Promotion - Big Spenders Reward
1. During the promotion period from 10 January to 28 February 2025, the top three customers with the highest cumulative non-online transactions made with the sim Credit Card will be entitled to the following cash rewards:
Top 3 customers with the highest cumulative non-online transactions^ amountCash Prize
Top 1HK$8,888
Top 2HK$2,888
Top 3HK$1,888

2. Please click here to register & refer to Terms and Conditions for more details.

Perpetual Annual Fee Waiver for Student at Designated Institutions
Perpetual Annual Fee Waiver for Student at Designated Institutions
Perpetual Annual Fee Waiver for Student at Designated Institutions
  • Perpetual Credit Card Annual Fee Waiver Promotion for Students
  • Only applies to sim Credit Card;
  • was, at the time of the application, attending a full-time programme offered by the accredited education institutions in Hong Kong (see Terms and Conditions)
  • During the Promotion Period, Eligible Cardholders who successfully submit a copy of a valid student identity card during the application for an Eligible Card, which is verified by the Card Issuer, will enjoy a perpetual credit card annual fee waiver. The Card Issuer may request Eligible Cardholders to provide additional documents for identity verification and/or credit processing purposes when deemed necessary.
  • Please refer to Terms and Conditions for more details.
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sim Credit Card Benefits

Cashback

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Cashback Base Rate
0.4  %
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Cashback Local
Up to 3  %
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flight
Cashback Overseas
0.4  %
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shopping_bag
Cashback Local Online Shopping
Up to 8  %
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shopping_bag
Cashback Overseas Online Shopping
8  %
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Cashback on all spending, local or overseas
  • Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$500 in the month, a single net transaction of HK$500 or more during the month will earn 8% cash rebate for eligible online retail spending)
  • 3 % cash rate for eligible spending at designated local merchants(Designated local merchant includes: Adidas, Fila, PUMA, @cosme STORE, Matsukiyo HK, Sugidama HK, Reebok, Tokyo Lifestyle)
  • Cashback will be capped at HK$200 per month

Terms and Conditions apply: https://www.thesim.com/en/legal

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 800
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Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
HK$ 50  The aggregate of the following items (whichever is higher): - (a) 1% of statement balance; and (b) all finance charges; and (c) instalment amount; and (d) other fees, charges billed, overdue amount and overlimit amount. If full amount is less than HKD50, the minimum payment is the full amount.
Late Payment Charge
HK$ 250
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Retail Purchase APR
46.44  %
Cash Advance APR
47.92  %
Interest Free Period
Up to 53  days, this period does not apply to cash advance transaction.

Association

Mastercard

Tags

sim Credit Card sim Credit Card