恒生 MPOWER 於2023年6月正式改名為 MMPOWER World Mastercard，卡面設計有直向或橫向任你選，最大賣點是網購及自選類別簽賬各有5%回贈，使它成為超強的現金回贈信用卡。恒生MMPOWER World Mastercard是不是單靠回贈吸客？以下我們就檢視一下恒生MMPOWER World Mastercard特色，找出如何使用它最好。
恒生MMPOWER World Mastercard評價
- Annual fee
- Perpetual annual fee waiver
- +FUN Dollars on online shopping and designated merchants
- Up to 8%
- +FUN Dollars on Online Retail Transaction
- Up to 5%
【🎁 Mid-Year Exclusive Offer: Spend HK$100 Unlocks HK$1,000 Gift Card / Up to HK$2,600 in Rewards!】
From today until 15 June 2026, New Credit Card Customers who successfully apply for Hang Seng MMPOWER World Mastercard via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can 🌟choose 1 from the following gifts :
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass * (Total value: HK$2,600)
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$2,300)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・Medicube Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml (Value: HK$1,970)
* Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD & more. HKG Bonus: Choice of lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
⠀⠀
Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)
| 恒生 MMPOWER World Mastercard信用卡評分 (5星為滿分) |
| 總評分：★★★★☆
飛行里數：☆☆☆☆☆ 外幣簽賬：★★★★☆ 迎新優惠：★★★☆☆ 現金回贈：★★★★☆ 網上購物：★★★★☆ 八達通增值：★☆☆☆☆ |
| 恒生 MMPOWER World Mastercard基本資料 | |
| 年薪要求 | 年薪HK$150,000或以上 |
| 年費 | 永久免費 |
| 特點 |
|
恒生MMPOWER主要優惠 2025 vs 2024
| 2025優惠 | 詳情 | 與2024比較 |
| 回贈門檻 | 每月累積合資格零售簽賬滿港幣5,000 | 不變 |
| 每月回贈上限 | 每月合共享高達$500 +FUN Dollars | 不變 |
| 網上零售簽賬回贈 | 5% +FUN Dollars | 不變 |
| 海外外幣簽賬回贈 | 6% +FUN Dollars | 不變 |
| 自選類別簽賬回贈
自選簽賬類別（3選2）： •餐飲（所有食府堂食及外賣簽賬；不包括快餐店） •電子產品 •娛樂 （影視及音樂串流平台、全港戲院、本地主題公園、Cityline購票通平台之簽賬等） |
1% +FUN Dollars | 不變 |
恒生信用卡的現金回贈制度: +FUN Dollars
恒生的信用卡回贈積分稱為 +FUN Dollars，此前稱為 Cash Dollars，2023年5月才改名。+FUN Dollars 的基本回贈率為每花HK$250賺$1 +FUN Dollars，即0.4%。累積的 +FUN Dollars 可於全7,400多間商戶作現金使用，有15,000個用 +FUN 位，簽賬時亦可再賺 +FUN Dollars。
此外，+FUN Dollars 還可用來換禮品，2023年7月22日起可用來找卡數，每$1 +FUN Dollars 可抵銷HK$1簽賬。
MMPOWER賣點1：網購5%回贈、外幣簽帳6%、自選簽賬1%回贈
恒生 MMPOWER 是張玩現金回贈的信用卡，憑卡作合資格網上簽賬可獲5%回贈 (包含0.4%基本回贈)。另外登記參加「+FUN Dollars」計劃，可於裏面指定的3個簽賬分類中選取2個，每月額外賺1%回贈。
+FUN Dollars 3個簽賬自選分類
餐飲：於本地餐廳食肆的零售簽賬
電子產品：於電子產品商戶的零售簽賬
休閒娛樂：於本地休閒娛樂商戶之零售簽賬
+Fun Dollars 的自選簽賬類別，一經登記便不能更改或撤銷，選取時要小心；另外若在網上進行手機支付，譬如以 Apple Pay 進行 app 內購買 (in-app purchases)，所獲 +FUN Dollars 會作網上購物計算，不會與手機支付重覆計算。
MMPOWER 的 +FUN Dollars 回贈設有上限，每月最多只可獲$500，並需要每月累積HK$5,000合資格簽帳。
+FUN Dollars 登記連結
(優惠期由即日至2025年12月31日（包括首尾兩日），而你的登記紀錄有效期至2025年12月31日)
MoneySmart 評分：★★★★★
MMPOWER賣點2：2025 恒生信用卡網上交稅享回贈
由2024年12月1日至2025年2月28日，由成功登記日起計，客戶憑已登記之恒生信用卡（主卡）於恒生e-banking網上繳費服務交稅款累積金額達HK$10,000或以上，可享高達$500 +FUN Dollars / 100,000 yuu 積分！
| 繳交稅款之累積金額 (港幣) | 恒生Visa卡限定
( +FUN Dollars / yuu積分*) |
其他恒生信用卡
(+FUN Dollars) |
| 500,000 或以上 | $500 / 100,000 | $300 |
| 200,000 – 少於500,000 | $350 / 70,000 | $200 |
| 100,000 – 少於200,000 | $200 / 40,000 | $100 |
| 50,000 – 少於100,000 | $150 / 30,000 | $100 |
| 10,000 – 少於50,000 | $50 / 10,000 | $30 |
MoneySmart 評分：★★★☆☆
- Annual fee
- Perpetual annual fee waiver
- Cash back on local spend
- 2%
- Welcome Offer
- Up to 140,000 yuu Points
【Get Your Daily yuu Boost with enJoy】Apply and Get up to HK$1,970 rewards 🎁 or HK$900 vouchers!
From now until 30 June 2026, customers who successfully apply for Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance , can 🌟choose 1 from the following gifts:
🎁 New Customers can enjoy one of the rewards below:
・Medicube Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml (Value: HK$1,970) or
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298) or
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons
⠀⠀
✨ Existing Customers can also enjoy one of the rewards below:
・HK$400 Apple Store Gift Card / Maxim's Gift e-Coupons
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
MMPOWER賣點3：最高 $700+Fun Dollars 迎新優惠
如合資格客戶（但不包括「全日制大學 / 大專學生」）於優惠期內成功申請指定信用卡並於新卡發出之日期後 60 日內憑卡累積簽賬滿 HK$5,000，該名合資格客戶可獲享以下一種迎新獎賞。
如合資格客戶為全日制大學/大專學生於優惠期內申請指定信用卡，並於新卡發出之日期後60日內憑卡累積簽賬滿HK$2,000或以上， 該名合資格客戶則可享迎新獎賞$300 +FUN Dollars（基本+FUN Dollars回贈除外）。
| 客戶類型 | 迎新獎賞 |
| 新客戶 | $700 +FUN Dollars |
| 舊客戶 | $300 +FUN Dollars |
| 全日制大學/大專學生 | $300 +FUN Dollars |
MoneySmart 評分：★★★☆☆
MMPOWER賣點4：演唱會優先購票
能夠憑卡優先購買演唱會門票，對不少人而言是申請一張信用卡的一大吸引力，這方面 Citi 及東亞可說做得出色。恒生也在力爭一席，持恒生 MMPOWER 或其他恒生 Mastercard，可享一系列演唱會優先購票，如果你是演唱會迷，又未有其他適合買飛的信用卡，恒生MMPOWER 會是個不錯選擇。
MoneySmart 評分：★★★★☆
MMPOWER值得擁有嗎？
MMPOWER 的強勢只有一個：現金回贈。真的，無論演唱會 / 戲院優惠或其他快閃優惠，充其量只適合某類消費者，唯獨現金回贈適用於所有人。
雖然 +FUN Dollars 只能用於指定商戶，但很多指定商戶都很大路，例如惠康、百佳、SOGO、一田、GU、MUJI 等等，不愁沒有用處。至於$800回贈上限，只要不用這張卡每月碌超過HK$16,000便不會蝕，問題不大。
過往 +FUN Dollars 最被詬病的是無法用來抵銷簽賬，但現在已經可以，所以即使你對那些指定商戶毫無興趣，至少也可用 +FUN Dollars 來找卡數！
其他現金回贈信用卡之選
- Annual Fee
- First Year Annual Fee Waiver
- Rebate on Overseas Spending & Local Dining
- Unlimited 2%
- Rebate on Local Spending
- Unlimited 1%
【Flash Offer】Grab Trip.com Hotel & Flight Promo Codes + HK$2,000 Vouchers or Upgraded Gifts Worth Up to HK$5,200! 🎉
From 1 June to 8 June 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 July 2026) can receive one of the following rewards 🎁:
✈️ 8× Plaza Premium Lounge APAC 3-hour Access Pass (Total value: HK$5,200)
✈️ 4× Hong Kong Plaza Premium First with Infinity Room 3-hour Access Pass (Total value: HK$4,600)
🎁 Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388)
🎁 Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398)
💳 HK$2,000 Apple Store Gift Card / ParknShop e-Vouchers⠀⠀
＋ Trip.com 8% 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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- Foreign currency transaction fee
- HK$0
- Cash back at Designated Merchants
- 5%
- MoneySmart Exclusive Offer
- Up to HK$3,600
【🌟June Exclusive: Apply to Earn HK$800 Cash Vouchers】
From now until 30 June 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・Plus Minus Zero XQH-X020 Air Purifier (Value: HK$2,398)
・Medicube Age-R Duo Beauty Set (Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml) (Value: HK$1,970)
・PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
- Min. Annual Salary
- HK$0
- Annual Fee
- First 2 year annual fee waiver
- Cash rebate on travel spending and designated spending categories
- 4%
【😱 Exclusive Deal: Earn Mobile Payment up to 100% cash rebate!】
From now until 30 Jun 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・2,000 SmartPoints - without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!⠀
New customers of PrimeCredit Credit Card can also earn up to 100% cash rebate via mobile payments (up to HK$1,000), plus select one of the following 🌟welcome offers:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．HK$500 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)⠀⠀
See more details below
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