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.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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sim Credit Card Highlights

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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4 Offers Available
HK$300 Wellcome Voucher
【Xmas Bonus】Zone B Designated Credit Card
HK$300 Wellcome Voucher

From the start of the event on December 11, 2024, until 11:59 PM on December 31, 2024, by simultaneously applying for one credit card each for Zone A and Zone B, submitting all relevant documents, and meeting the specified conditions, you can receive an additional HK$300 Wellcome Shopping Voucher.

  • Both applications must be successfully approved and meet the exclusive offer requirements of MoneyHero(subject to bank's final approval).

For details, please refer to the terms and conditions.

HK$600 Apple Store Gift Card
MoneyHero Exclusive Offer
HK$600 Apple Store Gift Card

+ 1 other gift options

MoneyHero Time-limited Exclusive Offer

  • From 6 December 2024 6 pm till 3 January 2025 6 p.m.: New 「sim Credit Card」Cardholders who have successfully applied and activated physical card via MoneyHero to get HK$600 Apple Store Gift Card OR HK$600 Wellcome Shopping Voucher without any transaction requirement.
  • *Complete digital ID verification within 3 hours after application: additional HK$50 Cash Rebate (provided by sim)
  • Successfully complete the reward form within 7 days after applying
  • By 3 February 2025: Application successfully approved
  • MoneyHero Limited-Time Exclusive Offer is applicable to all new card holders
  • How to redeem MoneyHero exclusive offer?
    • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, sim Credit Card has no relation with its redemption, usage and dispute
    • Terms and Conditions apply
    • 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
New Customer: Up to HK$2,470 CashBack
Dec Limited-Time Cashback Offer
New Customer: Up to HK$2,470 CashBack

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.

X’mas Flash Offer

1. During the promotion period from 5 December to 31 December 2024, simply use sim Credit Card to accumulate a specific amount on non-online spending, you can earn up to HKD800 cashback.

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

Mobile Payment Rewards

1. During the promotion period from 1 December to 31 December 2024., simply use sim Credit Card to accumulate HKD2,000 or more non-online Google Pay/ Apple Pay purchases in individual phases, you can earn up to HKD$120 cashback on non-online Google Pay/ Apple Pay transactions with a single net purchase amount of HKD100 or more.

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

Online Spending

1. During the promotion period from 1 November 2024 to 31 January 2025, eligible cardholder can receive up to HKD200 cashback monthly in any single Eligible Online Retail Transactions.

2. Please 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$1,720 CashBack
Dec Limited-Time Cashback Offer
Existing Customer: Up to HK$1,720 CashBack
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.

X’mas Flash Offer
1. During the promotion period from 5 December to 31 December 2024, simply use sim Credit Card to accumulate a specific amount on non-online spending, you can earn up to HKD800cashback.
2. Please click here to register & refer to Terms and Conditions for more details.

Mobile Payment Rewards
1. During the promotion period from 1 December to 31 December 2024., simply use sim Credit Card to accumulate HKD2,000 or more non-online Google Pay/ Apple Pay purchases in individual phases, you can earn up to HKD$120 cashback on non-online Google Pay/ Apple Pay transactions with a single net purchase amount of HKD100 or more.
2. Please click here to register & refer to Terms and Conditions for more details.

Online Spending
1. During the promotion period from 1 November 2024 to 31 January 2025, eligible cardholder can receive up to HKD200 cashback monthly in any single Eligible Online Retail Transactions.
2. 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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Cashback Overseas Online Shopping
8  %
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sim Credit Card More Info

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
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sim Credit Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement
local_atm

sim Credit Card Fees / Repayment

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.
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sim Credit Card Other Info

Association

Mastercard

Tags

sim Credit Card sim Credit Card

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