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
Get a scratch card
MoneyHero Spring Fest Lucky Draw : Scratch to win!
Get a scratch card

From March 18, 2025 12:00 noon to April 14, 2025 6:00 pm (both dates inclusive), apply for a designated credit card through MoneyHero and submit the reward redemption form, you can get a scratch card to participate in the lucky draw, and win the latest iPhone / Marshall Speaker / Nothing Ear (3) / Spotify Premium 12-month gift card or other prizes! Everyone has a chance to win!

  • iPhone 16 Pro Max 256GB (Value: HK$10,199) (qty 10)
  • Apple AirPods 4 (Value: HK$1099) (qty 50)
  • Marshall Willen II Bluetooth Speaker (Value: HK$999) (qty 130)
  • Nothing Ear (3) Wireless Earbug (Value: HK$1,299) (qty130)
  • Spotify Premium 12-month gift card (value: HK$696) (qty 200 )
  • There are a lot of discount codes waiting for you!

Trade Promotion Competition Licence No.: 59729-31,59752

For details of the offer, please refer to the terms and conditions

(https://moneyhero.link/march-luckydraw-campaign-tnc-listing)

HK$1,000 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$1,000 Apple Store Gift Card

+ 4 other gift options

New sim Customers can get MoneyHero Exclusive reward with DELONGHI EC685 Pump Espresso Coffee Machine (Valued at HK$2,160) / Bravo Travel Protector (Annual Travel – Standard Plan) for 1 (valued at HK$1,680) / Marshall Motif II A.N.C. True Wireless Headphones (valued at HK$1,599) / HK$1,000 Apple Store Gift Card / HK$1,000 Wellcome Shopping Voucher

Requirements

  • From 03 March 2025 6 p.m. till 31 March 2025 6 p.m.: Successfully apply for the designated sim Credit Card(s) and submitted redemption form via MoneyHero
  • On or before 30 April 2025: The card must be approved by sim
  • Within first 30 days after card approval: Have accumulated eligible transactions of HK$300
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
  • For "Bravo Travel Protector (Annual Travel – Standard Plan)" details, please click here
  • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions
Spend Frequently to Earn up to HKD100
Mobile Payment Reward
Spend Frequently to Earn up to HKD100

+ 2 other gift options

The promotion period of this Promotion is from 27 February 2025 to 30 April 2025 (both dates inclusive) (“Promotion Period”), and will be divided into two phases:
  • Phase 1: 27 February 2025 to 31 March 2025 (both dates inclusive), and
  • Phase 2: 1 April 2025 to 30 April 2025 (both dates inclusive)

This Promotion is only applicable to principal cardholders (“Eligible Cardholder(s)”) of the sim Credit Card / sim World Mastercard® ("Eligible Credit Card") issued by United Asia Finance Limited (“Card Issuer”). Reward 3 is not applicable to any staff members of the Card Issuer and its affiliates.

Eligible Cardholders are required to meet the following requirements to qualify for participation in the Promotion:

  • registration must be completed successfully within the Promotion Period on the designated webpage (https://thesim.com/en/campaign/MOBILE_PAYMENT_REWARD_FEB2025) of the "sim Credit Card" website (www.thesim.com); and
  • a correct mobile phone number must be provided during the registration for this Promotion. The record of the Card Issuer’s computer system shall be final and conclusive.

During the Promotion Period, Eligible Cardholders must meet the following criteria and spending requirements to qualify for Reward 1 and/or Reward 2 and/or Reward 3. The details are as follows:

  • Reward 1 : Spend Frequently to Earn up to HKD100
    • During the promotion period, simply use sim Credit Card to make a non-online Apple Pay or Google Pay transaction in a single purchase of HKD100 or more, you can receive a HKD5 cashback! Each cardholder can earn up to HKD50 in each phase and a total of up to HKD100 during the entire promotion period.
  • Reward 2 : Accumulate Your Spending to Earn up to HKD350
    • During the promotion period, simply use sim Credit Card to accumulate non-online Apple Pay or Google Pay transactions and reach the designated amount in each phase as specified in the table below, you can earn up to 5% cashback on non-online Apple Pay or Google Pay transactions with a single purchase of HKD100 or more. You can earn a total of HKD350 during the entire promotion period!
    • The details are as follows:

Cumulative Eligible Transactions reaching the designated amount below in each phase

Maximum Reward 2 Cashback % for an Eligible Transaction with a single net purchase of HKD100 or more

Maximum Reward 2 Cashback amount each Eligible Cardholder can receive in each phase

Maximum Reward 2Cashback amount each Eligible Cardholder can receive throughout the entire Promotion Period

Phase 1: HKD3,000 or above

5%

HKD150

HKD350

Phase 2: HKD4,000 or above

5%

HKD200

  • Reward 3 : Grand Prize for Highest Spending - A total of 8 smartphones to be given out!
    • During the promotion period, the top 2 cardholders who accumulate the highest non-online Apple Pay or Google Pay transactions using sim Credit Card in each designated transaction period as specified in the table below will each receive a smartphone!
    • The details are as follows:

Designated Transaction Periods

Posting dates of Eligible Transactions for Reward 3

Result announcement dates of the for Reward 3

(to be announced on the sim Credit Card Facebook page)

27 February 2025 - 16 March 2025

On or before 17 March 2025

On or before 21 March 2025

17 March 2025 - 30 March 2025

On or before 31 March 2025

On or before 4 April 2025

31 March 2025 - 13 April 2025

On or before 14 April 2025

On or before 18 April 2025

14 April 2025 - 30 April 2025

On or before 6 May 2025

On or before 12 May 2025

In the event that multiple Eligible Cardholders have the same cumulative total amount of Eligible Transactions made with his/her Eligible Card within the Promotion Period, priority will be given to the Eligible Cardholder who registered for this Promotion at an earlier time. The Card Issuer’s computer system record regarding the time of registration for Eligible Cardholders is final and conclusive. Each Eligible Cardholder can only receive Reward 3 once during the entire Promotion Period.

Please refer to Terms and Conditions for more details.

New Customer: up to HK$2,700 CashBack
Welcome Offer
New Customer: up to HK$2,700 CashBack

Mobile Payment Rewards
1. During the promotion period from 27 February 2025 to 30 April 2025, use sim Credit Card to make a non-online Apple Pay or Google Pay transaction to accumulate a specific amount on non-online spending, you can earn up to HKD$350 cashback:
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$950 CashBack
Ongoing Offer
Existing Customer: Up to HK$950 CashBack

Mobile Payment Rewards
1. During the promotion period from 27 February 2025 to 30 April 2025, use sim Credit Card to make a non-online Apple Pay or Google Pay transaction to accumulate a specific amount on non-online spending, you can earn up to HKD$350 cashback:
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.


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.
Two Tickets to the ‘Paradise of the Suck’ (quotas: 35)
Limited-time Rewards
Two Tickets to the ‘Paradise of the Suck’ (quotas: 35)
Limited-time Additional Welcome Rewards
  • The promotion is valid from 14 February 2025 to 15 April 2025 (both dates inclusive)
  • Eligible Cardholders who successfully apply for sim Credit Card/ sim World Mastercard® during the Promotion Period and become one of the top 35 Eligible Cardholders who accumulating the highest total amount of Eligible Retail Purchase Transactions using their Eligible Card on or before 30 April 2025 will be entitled to Two Tickets to the ‘Paradise of the Suck’
  • Please click here to register & 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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location_on
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, 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