Hang Seng enJoy Card Review: What is yuu Reward Points?

Hang Seng enJoy Card Review: What is yuu Reward Points?

Hang Seng enJoy Card has already made a name for itself thanks to its yuu Points earning system. However, you may not be aware of the special offers available with this credit card or how to make the most of its benefits.

So, in the upcoming blog post, we’ve got you covered with all the nitty-gritty details you need to know!

Hang Seng enJoy Card Review: Is it worth applying? MoneySmart credit card rating

Hang Seng enJoy Card Review—Is it MoneySmart?
Overall: ★★★★☆
Best for: Earning cashback from daily spending
Category Our rating Explanation
Earn rates: Cashback ★★★☆☆ – Maximum 4X yuu Points (2% cashback) from spending on selected merchants
Earn categories ★★★★☆ – Spending on 2,000+ selected merchants is eligible for earning yuu Points
Annual fees and charges ★★★★★ – No annual fee is required
Accessibility ★★★★☆ – Annual income of HK$150,000 is required
Extras/periphery rewards ★★★★★ – Regular special offers for selected merchants
Welcome offer ★★☆☆☆ – Up to 120,000 yuu Points (HK$600 worth)

The Hang Seng enJoy Card is renowned for its amazing yuu Points earning system. What’s even better is that you can earn rewards from your daily spending at selected merchants. This credit card is absolutely perfect for those who want to enjoy and earn yuu rewards!

Table of contents: Hang Seng enJoy Card Review

Hang Seng enJoy Card review ratings

The Hang Seng enJoy Card offers various benefits and features, including:

  • Up to 4X rewards are earned in the yuu system.
  • Simple yuu Reward Points earning system

Hang Seng enJoy Card: yuu Reward points

Simply link your Hang Seng enJoy Card to the yuu loyalty programme to start earning yuu Points with every purchase. Each merchant offers different yuu Reward Points. Here is an overview:

Merchant Reward Points Cashback
Pizza Hut, PHD, KFC, Jade Garden, Maxim’s Palace, Jasmine, House of Jasmine, The Square, Shanghai Garden, Jade Kitchen, Chiuchow Garden Restaurant, Chiuchow Garden, Peking Garden, The Pond, Duck Victoria, M&C · Duck, Duckee and Can Lah, Café Landmark, LUMI French-Japanese Cuisine, MUSES, Pop n’ Grill and Wildfire Pizzabar, simplylife BAKERY CAFÉ, simplylife FOODPLACE, kikusan, &YOU, &btR, &tmR, THAI BASIL, EXP, Port Spot, MINH & KOK and Hong Kong Day, Maxim’s MX, can.teen, Deli-O, Arome Bakery, Maxim’s Cakes, Paper Stone Bakery, URBAN, Maxim’s Cake Lab, On Site Bakery and Homebake, DONDONYA, and Uo-Show in Hong Kong 4X 2%
7-Eleven, IKEA, Mannings, Wellcome, Market Place by Jasons, Market Place, 3hreesixty, Oliver’s The Delicatessen, Jasons Ichiba & Market Place by Jasons App, yuu App, Mannings Online Store, and IKEA Online Shopping 3X 1.5%
Shell Hong Kong, Maxim’s Group brands, outlets, online spending, GNC 2X 1%
Other merchants 1X 0.5%

Note that in addition to earning rewards through credit cards, some points can be earned by scanning the QR code of a mobile application or tapping a physical enJoy Card at any contactless card reader in-store.

What can you do with yuu Reward Points?

Every 4,000 yuu points can be used as a cashback of HK$20, which means 200 points/HK$1, and you can use up to HK$400 for each transaction.

How long can you keep the yuu reward points?

The validity period of the accumulated points for yuu is 3 years.

Hang Seng enJoy Card: Earn categories

Hang Seng enJoy Card offers a wide range of products that give you high yuu Reward Points up to 2%. Most of the merchants are from supermarkets, convenience stores, fast-food stores, and more.

Hang Seng enJoy Card: Annual Fees and charges

Hang Seng enJoy Card has a permanent waiver for its annual fee! (Surprise!) So, you don’t have to worry about the annual fee. However, if you are interested in using the card when travelling, be aware of the 1.95% foreign conversion fee, slightly lower than the Amex Explorer credit card (2%)

Annual Principal Fee HK$0
Supplementary Annual Fee N/A
Fee Waiver N/A
Interest Free Period Up to 56 days
Annual Interest Rate 35.72%
Late Payment Fees If the customer fails to make full payment of the new balance on or before the payment due date, a late charge of HK$300 or an amount equal to the new balance (whichever is lower) will be levied each time.
Minimum Monthly Repayment The minimum payment amount is HK$300 or CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) any amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii).
Foreign Currency Transaction Fee 1.95%
Foreign Check Fee N/A
Cash Advance Transaction Fee 0.5% of the cash advance amount (minimum HK$100)
Overlimit Fee HK$180

Hang Seng enJoy Card: Accessibility

Hang Seng enJoy Card has a relatively easy requirement when it comes to income level. The credit card only requires applicants to have an annual income of HK$150,000. (average salary of HK$12,500).

Here are the basic criteria to apply for the card:

  • You are 18 years of age or older.
  • You are a resident or citizen of Hong Kong or Macau.

Hang Seng enJoy Card: Perks

The Hang Seng enJoy Card may not offer a wide range of credit discounts, but the discounts it provides are practical and easily accessible. Here are some of the Hang Seng enJoy Card’s perks:

Year-round special offer

Merchant Discount
7-Eleven 5% off on the 8th and 18th of every month
IKEA Hong Kong Free delivery upon furniture orders of HKD3,500 or above at stores on the 1st and 3rd Wednesdays of every month (excluding Discovery Bay, Lamma Island, Cheung Chau, Peng Chau, and Macau)
Mannings, Mannings Plus, Mannings Baby, and GNC 6% off on the 1st and 20th of every month
Wellcome, Market Place, and Designated Upscale Stores and Online Shop Enjoy 8% off on the 3rd, 13th, and 23rd of every month with a single netspending of HK$100 or above at the physical store and HK$600 or above at the Wellcome/Market Place Online Shop
Pizza Hut 10% off dine-in and takeaway à la carte menu items (from Monday to Sunday, except public holidays and special days)
PHD 10% off dine-in and takeaway à la carte menu items (from Monday to Sunday, except public holidays and special days)
KFC 5% off dine-in and takeaway orders (from Monday to Friday, except public holidays)

Buy 2 Get 1 Free Buffet privilege at HKJC VIP Box

From September 10, 2023, to July 14, 2024, Hang Seng Credit Card customers have the opportunity to avail of a Buy-2-Get-1-Free promotion to book the HKJC VIP Box and enjoy a delightful buffet along with a spectacular view of the racing event!

Click here to make your reservation.

Hang Seng enJoy Card: Welcome offer

Hang Seng enJoy Card welcomes you with a generous return of up to 120,000 yuu Reward Points*!

Within 60 days after card issuance, bind the enJoy Card to the yuu Rewards Programme and accumulate eligible retail spending of HK$6,000.

  • New customers can get 120,000 yuu Points (equivalent to HK$600).
  • Existing Hang Seng credit card customers can get 80,000 yuu Points (equivalent to HK$400).

The yuu point rewards will be credited to the enJoy Card account of the principal cardholder within 2 months after the principal cardholder meets the relevant conditions.

Final Verdict: Hang Seng enJoy Card

The AE Explorer Credit Card is suitable for individuals who frequently make purchases at grocery stores or convenience stores. The yuu Points system is easy to use and offers discounts. If you are already a yuu Reward Points member, you should consider getting this card.

Advantages of the Hang Seng enJoy Card

  • The yuu points earning system allows you to earn rewards from your daily spending at selected merchants, offering up to 4X rewards.
  • The credit card has no annual fee, making it a cost-effective option.
  • There are regular special offers available for selected merchants, providing additional perks and discounts.

Disadvantages of the Hang Seng enJoy Card

  • The welcome offer of up to 120,000 yuu points requires a minimum spending of HK$6,000 within 60 days, which may not be feasible for everyone.
  • The card’s annual interest rate is relatively high at 35.72%, so it’s important to pay off your balance in full each month to avoid interest charges.
  • The accessibility criteria of having an annual income of HK$150,000 may exclude some individuals from applying for the card.

Overall, the Hang Seng enJoy Card is definitely worth considering if you often shop at the selected merchants and want to make the most of your rewards while enjoying some great special offers. Just remember to use the card responsibly and take full advantage of all the perks it has to offer.

For more information and the latest promotions, visit MoneySmart.

Frequently asked questions: Hang Seng enJoy Card

Can the Hang Seng enJoy Card waive the annual fee?

The annual fee is permanently waived.

If I already have other Hang Seng credit cards, can I still get the Hang Seng enJoy Card welcome offer?

Yes, you can! Unlike other banks, Hang Seng credit cards allow existing customers to enjoy the welcome offer. Even if you already have other Hang Seng credit cards, such as the Hang Seng Platinum Credit Card, you can still apply for the Hang Seng enJoy Card.

Only existing credit card customers who have held the same card category within the past 12 months are eligible for welcome rewards.

Can I earn yuu Points with the Hang Seng enJoy Card for topping up or transferring to electronic wallets?

No, you will not earn any yuu Points for PayMe top-ups, WeChat Pay, or Alipay transfers. However, you can still earn 0.5% yuu Points for Octopus Automatic Add Value.

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