The EarnMORE UnionPay Diamond Card is the perfect credit card for those of you who prefer not to worry about where to use your card to get the best rebate. Why? Because our EarnMORE UnionPay Diamond Card offers a fabulous 2% cashback on pretty much everything you buy, whether that's local shopping, overseas spending, or online purchases.
But wait, there's more! The EarnMore Card also includes a foreign currency conversion fee waiver, a 3-month interest-free installment plan, free TurboJET Ferry upgrade, and more. So, is it worth applying? Check out our review below to find out more about how you can maximize the benefits of this 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%
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$970 cash rewards】
MS Exclusive: From now until 30 June 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 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)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$670 cash rebate (included the extra up to 2% cash rebate)
・Philips RO Water Dispenser (ADD6901) (Suggested price: HK$2,488)
・Garmin Forerunner 165 GPS Smartwatch (Suggested price: HK$2,299)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more details below
As your trusted Money Buddy, we strive to secure the best perks for you. We're introducing our MoneySmart credit card rating, crafted by our experts, to help you distinguish the best cards from the rest. First off, the EarnMORE UnionPay Diamond Card is a cash rebate card offering a 2% rebate on almost everything—an exclusive feature in this field. We're assigning it 4 out of 5 stars for its ease of use.
EarnMORE UnionPay Diamond Card—Is it MoneySmart? | ||
Overall: ★★★★☆ | ||
Best for: Daily Spending | ||
Category | Our rating | Explanation |
Earn rates: cashback | ★★★☆☆ | – 2% cashback on most of the credit card spending with no air miles |
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 |
Welcome offer | ★★★★☆ | – HK$670 cash rebate (included the extra up to 2% cash rebate) |
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 of HK$1,500. 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) | 35.95% |
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. GoPro HERO 4K action camera (CHDHF-131) (Suggested price: HK$1,600)
Accumulate a total spending of HK$8,800 within 90 days after card issuance to choose the GoPro HERO 4K action camera (CHDHF-131) as the welcome offer, valued at HK$1,600.
2. Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (Suggested price: HK$2,198)
In addition to the GoPro, cardholders who accumulate a total spending of HK$8,800 within 90 days can choose the Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) as the welcome offer, valued at HK$2,198.
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$400 Klook e-Gift Card, up to 20% 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.
Free TurboJET Ferry Upgrade
From now until March 31, 2025, cardholders of UnionPay Diamond Card or Diamond Prestige Card issued in Hong Kong and Macau, China, can enjoy a one-way free upgrade to super class when they purchase TurboJET economy class ferry tickets. Each eligible UnionPay card can participate in the promotion twice i.e. two single transactions. Each transaction is entitled to a complimentary seatclass upgrade for one single trip. Offer is on a first come, first served basis.
Exclusive Experience at Hong Kong Disneyland
From now until May 7, 2026, holders of the EarnMORE UnionPay Diamond Card can enjoy priority access to the "Mickey and The Wondrous Book" performance at Hong Kong Disneyland, as well as the experience of meeting Disney friends after the show.
Personal Concierge Service
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.
Luxury Limousine Airport Transfer Privileges
From now until August 14, 2025, PrimeCredit EarnMORE UnionPay Diamond Cardholders can enjoy luxury limousine airport transfer service at a special price of HK$250 per trip. To be eligible, cardholders need to accumulate qualified retail spending of HK$4,000, with no more than two transactions within 30 days.
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 of HK$1,500 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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