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sim
sim Credit Card
Up to 8% cashback on online spend and local public transport, plus 3% at selected merchants including adidas, matsukiyo and PUMA.
Reward highlights
Online spend
8%
HK$200 monthly cap
Transport
8%
HK$200 monthly cap
General spend
0.4%
No cap
Costs and eligibility
- Annual fee
- HK$800
- Minimum income
- Not stated on product page
- FX fee
- 1.95%
- Network
- mastercard
Customer highlights
Start with the facts that most affect your real return and application decision. Issuer terms remain definitive for rates, thresholds and caps.
- Up to 8% cashback on online spend and local public transport, plus 3% at selected merchants including adidas, matsukiyo and PUMA.
- From 1 May to 30 September 2026, 8% online cashback requires HKD1,000 non-online spend in the same month and each online transaction to reach HKD500; local transport earns 8%, selected merchants 3% and in-app bill payment 2%.
- Extra cashback shares a HKD200 monthly and HKD1,000 campaign cap; the base rate is 0.4%.
Card benefits and rewards
Structured earn rates
| Category | Rate | Cap |
|---|---|---|
| Online spend | 8% | HK$200 |
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