EarnMORE UnionPay Diamond Card is the credit card that offers you a 2% cashback for almost all your spending, whether they are local spending, overseas spending or online purchases! Plus, the EarnMORE Card has more to offer, including a foreign currency conversion fee waiver, a 3-month interest-free instalment plan, LoungeKey Airport lounge access and limousine privilege service.
Check out the following review to find out more about how you can make the most out of the card!
EarnMORE UnionPay Diamond Card: Is it worth applying? MoneySmart credit card rating
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 2%
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[PrimeCredit x MoneySmart] From now until June 30, apply EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) Or OTO Vanda 2.0 massage chair (VN-05) (Suggested price: HK$13,800) Or German Pool Smart Air
Purifier Fan (EFB-426HM-SC) (Suggested price: HK$2,480) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (**Extra reward will be fulfilled by PrimeCredit)
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| EarnMORE UnionPay Diamond Card—Is it MoneySmart? | ||
| Overall: ★★★★☆ | ||
| Best for: Daily Spending | ||
| Category | Our rating | Explanation |
| Earn rates: air miles & cashback | ★★★☆☆ | – 2% cashback on most of the credit card spending |
| Earn categories | ★★★★★ | – 2% cash rebate for all eligible transactions with no minimum spending requirements |
| Annual fees and charges | ★★★☆☆ | – First 2-year annual fee waiver of HK$1,500 |
| Accessibility | ★★★★★ | – No annual income requirement |
| Extras/periphery rewards | ★★★★☆ | – UnionPay LoungeKey privileges – Limousine services– 3 month interest-free instalment plans |
| Welcome offer | ★★★★☆ | – HK$670 cash rebate (included the extra up to 2% cash rebate)
– OTO massage chair (Suggested price: HK$10,800) – Aurabeat AG+ Air Purifier (Suggested price: HK$2,980) (Redemption fee is required) – Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program |
Table of contents: EarnMORE UnionPay Diamond Card
- EarnMORE UnionPay Diamond Card: 2% cash rebate on all spending
- EarnMORE UnionPay Diamond Card: Fees and charges
- EarnMORE UnionPay Diamond Card: Annual income requirement
- EarnMORE UnionPay Diamond Card: Basic information
- EarnMORE credit card welcome offer
- EarnMORE UnionPay Diamond Card: UnionPay perks
- Review: Should you apply for an EarnMORE UnionPay Diamond Card?
- Frequently asked questions: EarnMORE UnionPay Diamond Card
- Related articles
EarnMORE UnionPay Diamond Card: 2% cash rebate on all spending
If you don’t want much hassle when it comes to credit card usage, then EarnMORE UnionPay Diamond Card is your option. You can easily earn a 2% cash rebate on all spending with this card.
| Spending Type | Cash Rebate |
| Local Spending | HK$2 for every HK$100 spent |
| Overseas Spending (No conversion fee) | HK$2 for every HK$100 spent |
| Online Spending | HK$2 for every HK$100 spent |
Maximum of HK$1,500 cash rebate each year
But note that you can earn up to HK$1,500 cash rebates per year. This means you can earn a 2% cash rebate on spending up to HK$150,000, and after that, you will receive an unlimited 1% cash rebate.
EarnMORE UnionPay Diamond Card: Fees and charges
First 2-year annual fee waiver
The PrimeCredit EarnMORE Credit Card offers a first 2-year annual fee waiver. After that, an annual fee of HK$800 will be charged. If you are a student applicant, you can enjoy a first 5-year annual fee waiver.
Alternatively, you can call to request a waiver of the annual fee. If the fee waiver request is unsuccessful, you have the option to cancel the card and reapply after the cooling period to take advantage of the welcome offer.
Exempt overseas transaction fees
The PrimeCredit EarnMORE Credit Card has no transaction fees on overseas transactions, making it convenient for you to spend while travelling abroad. As long as the merchant accepts UnionPay payments, you can typically avoid overseas transaction fees.
EarnMORE UnionPay Diamond Card: Annual income requirement
EarnMORE UnionPay Diamond Card has a friendly requirement for the credit card application. The card does not have a minimum income requirement.
EarnMORE UnionPay Diamond Card: Basic information
| Feature | Details |
| Automatic Add Value (Octopus) | HK$150, HK$250, HK$500 |
| Annual Fee | HK$1,500 (First 2 years waiver) |
| Interest-Free Repayment Period | Up to 53 days |
| Minimum Repayment Percentage | 1% |
| Minimum Repayment Amount (HKD) | As low as HK$50 |
| Late Payment Fee | Minimum payment amount or HK$320 |
| Actual Annual Interest Rate (Retail) | 33.84% |
| Actual Annual Interest Rate (Cash) | 35.96% |
EarnMORE credit card welcome offer
The welcome offer is only applicable to customers who have not held any credit cards issued by PrimeCredit in the past 6 months.
Currently, successful online applicants can choose 1 of the following 4 welcome rewards:
1. Aurabeat AG+ Medical-Grade Silver Ion Anti-Virus Air Purifier
Accumulate a total spending of HK$9,800 within 90 days after card issuance to choose the Aurabeat AG+ Medical-Grade Silver Ion Anti-Virus Air Purifier as the welcome offer, valued at HK$2,980. After meeting the spending requirement, the air purifier will be redeemed in 3 monthly instalments (HK$120 per month).
2. OTO GoGo Relax Lite (VN-03)
In addition to the air purifier, cardholders who accumulate a total spending of HK$9,800 within 90 days can choose the OTO GoGo Relax Lite (VN-03) as the welcome offer, valued at HK$10,800.
3. HK$500 Cash Rebate / HK$200 Cash Rebate
If customers do not want physical gifts, they can choose cash rebates as the welcome offer. Simply accumulate total spending of HK$8,500 within 90 days after card issuance to enjoy HK$500 cash rebate.
For student credit cards, a spending of HK$2,000 within 90 days is required to enjoy a HK$200 cash rebate, up to 10% rebate!
4. Interest-Free and Fee-Free Cash Instalment Plan
In addition to the above welcome offers, new customers can apply for the “Interest-Free and Fee-Free Cash Instalment Plan” for up to HK$90,000 or 90% of the credit limit (whichever is lower, with a minimum of HK$3,000 and in increments of HK$100).
EarnMORE UnionPay Diamond Card: UnionPay perks
Apart from the 2% cash back feature, UnionPay also offers exclusive perks for UnionPay credit cards.
LoungeKey Global Airport Lounge Service
From now until April 30, 2024, PrimeCredit EarnMORE UnionPay Diamond Cardholders who accumulate a total spending of HK$12,000 within 2 consecutive calendar months are entitled to 3 complimentary access to the selected LoungeKey airport lounges with their accompanying friends and family. The service covers over 1,400 LoungeKey airport lounges and airport experiences worldwide.
Luxury Limousine Airport Transfer Privileges
From now until April 23, 2024, PrimeCredit EarnMORE UnionPay Diamond Cardholders can enjoy luxury limousine airport transfer service at a special price of HK$300 per trip. To be eligible, cardholders need to accumulate qualified retail spending of HK$3,000, with no more than two transactions within 30 days.
Personal Concierge Service
From January 1, 2023, to December 31, 2023, PrimeCredit EarnMORE UnionPay Diamond Card and Platinum Cardholders can enjoy the following privileges:
- Daily assistant providing comprehensive daily assistance, including travel, shopping, art appreciation, health consultation, and restaurant reservations.
- Exclusive privileges offering a range of exclusive services, including limousine airport transfer, international culinary experiences, and other lifestyle and leisure privileges.
Review: Should you apply for an EarnMORE UnionPay Diamond Card?
If you are looking for a credit card that earns you cash back without much hassle, EarnMORE UnionPay Diamond Card is one of the options that you could consider.
Also, please note that the 2% cashback offer has a HK$1,500 cap per year. In other words, you can enjoy 2% cashback for a total spending of HK$150,000 every year, then an unlimited 1% cashback on spending after that.
Without foreign currency conversion rate, EarnMORE UnionPay Diamond Card can be used for booking hotels, flight tickets to earn a 2% cashback.
However, currently, UnionPay is not universally accepted worldwide and is mainly concentrated in Asian countries. If you plan to travel to Europe or America, the PrimeCredit EarnMORE UnionPay card may not be accepted by all merchants. Therefore, it is recommended to have 1 Visa / Mastercard credit card.
In short, the EarnMORE UnionPay Diamond Card is perfect for easily earning cashback. It is especially suitable for credit card cashback beginners!
Frequently asked questions: EarnMORE UnionPay Diamond Card
Can the EarnMORE UnionPay Card be used with electronic wallets?
The EarnMORE UnionPay Card cannot be used with Payme, Alipay, or WeChat. However, there is no problem using it with the Octopus Automatic Add Value Service.
Is there a limit to the cash rebate of the EarnMORE UnionPay Card?
Yes. You can earn up to HK$1,500 cash rebate per year. This means you can earn a 2% cash rebate on spending up to HK$150,000, and after that, you will receive an unlimited 1% cash rebate.
How is the cash rebate of the EarnMORE UnionPay Card credited?
The cash rebate is credited by automatically converting the monthly spending amount into cash rebate at the end of each month. This amount is then deducted from the next card statement.
Does the EarnMORE UnionPay Card have an annual fee?
The annual fee for the EarnMORE UnionPay Card is waived for the first 2 years. After that, you will need to call to request a fee waiver.
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