WeWa UnionPay Diamond Card now offers the highest cashback for mobile payments! During a special promotion, you can earn a whopping 6% cash back on mobile payments with your PrimeCredit WeWa UnionPay card – that’s the best rate in town! And that’s not all, there’s a bunch of other exclusive perks just waiting for you to discover.
As for the welcome offers, any successful applications made between now and June 30, 2024, will score an extra HK$200 cash back from PrimeCredit and an exclusive MoneySmart gift of an additional HK$300 voucher. That’s an instant HK$500 reward on your application, no spending required! Plus, there are even more welcome gifts from Prime Credit when you reach the required spending amount.
You might be wondering, is the PrimeCredit WeWa UnionPay card a good deal? Is it worth applying for? Let’s dive in and find out more about the WeWa Card with MoneySmart today!
WeWa UnionPay Diamond Card: Is it worth applying? MoneySmart credit card rating
- Min. Annual Salary
- HK$0
- Local, Overseas and Online Spending via selected mobile payments
- Up to 6%
- Cash rebate on travel spending and designated spending categories
- 4%
【MoneySmart Exclusive Offer】Want to get extra HK$200 vouchers from MoneySmart? From now until 30 November 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 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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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726)】
By November 30, 2024, apply for the WeWa UnionPay Diamond Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【PrimeCredit x MoneySmart】From now until December 31 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$100 cash rebate + Welcome offer : 🇯🇵 Osaka Round-trip Flight Tickets or Sony Wireless Noise Cancelling Headphones WH-1000XM4 (Silver) (Suggested price: HK$2,890) or HK$500 Cash Rebate or up to HK$90,000 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)
| WeWa UnionPay Diamond Card—Is it MoneySmart? | ||
| Overall: ★★★★☆ | ||
| Best for: 💰Cashback💰 | ||
| Category | Our rating | Explanation |
| Earn rates: air miles & cashback | ★★★★☆ | – 4% cash rebate on travel spending and designated spending categories
– 6% cashback on mobile payment |
| Earn categories | ★★★★☆ | – 4 specified categories can be selected: “Travel”, “Cinema”, Karaoke” and “Theme Park”
– mobile payment |
| Annual fees and charges | ★★★☆☆ | – First 2-year annual fee waiver of HK$1,500 |
| Accessibility | ★★★★★ | – No annual income requirement |
| Extras/periphery rewards | ★★★★☆ | – “Pay with WA! ‧ Win with WA!” rewards – “12-month Interest-Free Transaction Instalment” via OmyCard App – 3 times LoungeKey Access (spending over HK$12,000 in 2 consecutive months) |
| Welcome offer | ★★★★☆ | –Delsey S Series 30-inch front opening expandable suitcase
– Panasonic nanoe® Hair Dryer (EH-NA9K) –HK$500 Cash Rebate or – Up to HK$90,000 interest-free and handling fee-free cash instalment Programme |
Table of contents: WeWa UnionPay Diamond Card
- WeWa UnionPay Diamond Card: Is it worth applying? MoneySmart credit card rating
- WeWa UnionPay Diamond Card: Basic information
- WeWa UnionPay Diamond Card: 4% cashback offer
- WeWa UnionPay Diamond Card: Other perks
- WeWa UnionPay Diamond Card: Is it good for travelling?
- WeWa UnionPay Diamond Card: Welcome offer
- Frequently Asked Questions: WeWa UnionPay Diamond Card
WeWa UnionPay Diamond Card: Basic information
| Feature | Details |
| Minimum Annual Income Requirement | HK$0 |
| Annual Fee | HK$1,500 (first 2-year waiver) |
| Interest-Free Repayment Period | Up to 53 days |
| Minimum Repayment Amount (HKD) | As low as HK$50 |
| Late Payment Fee | Minimum payment due or HK$350 |
| Actual Annual Interest Rate (Retail) | 35.95% |
| Actual Annual Interest Rate (Cash) | 35.97% |
| Foreign Currency Transaction Fee | Waived |
WeWa UnionPay Diamond Card has no annual income requirement. So, everyone can apply for it to enjoy the countless credit card perks. However, note that the credit card has an annual fee of HK$1,500. Just remember to apply for an annual fee waiver when the second year ends. After that, you can always call the hotline for a fee waiver (PrimeCredit card hotline: 2269 8899, press 2>4>5).
Cash Back: 6% Cash Back on Mobile Payments
The strongest selling point of the WeWa UnionPay credit card is its new mobile payment promotion. From now until December 31, 2024, you can earn up to 6% cash back by making payments through specified mobile platforms (Apple Pay, OmyCard mobile app QR code payment, or UnionPay mobile payment). Don’t worry about the types of eligible transactions — dining, shopping, and entertainment expenses are all included in the rebate program.
As far as we know, the PrimeCredit WeWa Card offers the highest cash back among mobile payment credit cards in the city!
How to Calculate Cash Back
When using the PrimeCredit WeWa UnionPay card for mobile payments, it’s important to understand how the additional 6% cash back rebate is calculated.
The PrimeCredit WeWa UnionPay Diamond Card offers a 4% basic cash back for transactions with merchants in categories such as “Travel”, “Theatres”, “Karaoke”, and “Theme Parks”. If you use mobile payment, you receive an additional 2% cash back. For other transaction types, you’re eligible for a 0.4% basic cash back and an additional 5.6% cash back.
In simpler terms, all eligible mobile payment transactions can earn you a 6% cash back. However, please note that the monthly additional cash back limit is HK$200. If mobile payment is used for specified transaction categories, the full additional cash back is 2%, with a monthly transaction limit of HK$10,000; if all transactions fall under other categories, the monthly transaction amount is HK$3,572.
You may refer to the following table for details:
| “Travel”, “Theatres”, “Karaoke”, “Theme Parks” | Other Transaction Categories | |
| WeWa Basic Cash Back | 4% | 0.4% |
| Additional Cash Back | 2% | 5.6% |
| Total Cash Back | Up to 6% | |
| Maximum Monthly Cash Back | HK$200 | HK$200 |
| Maximum Monthly Transaction Amount | HK$10,000 | HK$3,572 |
| Maximum Cash Back During Promotion Period | HK$1,800 (9 months) | |
WeWa Card offers quite a decent 4% cashback offer for 4 specified categories. They include travel, cinema, theme parks, and karaoke. Each category includes numerous well-known merchants.
For travel, you can earn cashback when booking flights with major airlines. For cinema, you can enjoy cashback at MCL, Broadway, Golden Harvest, and more. Theme parks such as Disneyland and Ocean Park are also included. And of course, karaoke lovers like you can earn cashback at Neway and Red MR!
| Spending Categories | Popular Merchants | Cashback Rate |
| Travel | Agoda, Hotels.com | 4% |
| Cinema | MCL, Broadway, and Golden Harvest | 4% |
| Theme Parks | Disneyland and Ocean Park | 4% |
| Karaoke | Neway and Red MR | 4% |
Foreign Currency Spending: 4% Cash Back for Booking Tickets/Hotels, 6% Cash Back for Overseas Mobile Payment, 9% Cash Back for Taiwan Travel Spending
The WeWa UnionPay credit card offers cash back on designated “Travel” expenses. Initially, you can use the WeWa UnionPay credit card to book tickets or hotels and save 4%. Once you reach your destination, all you need to do is link the WeWa UnionPay credit card to your mobile phone. Then, any overseas mobile payments made with the card will earn you 6% cash back! Additionally, foreign currency transactions are exempt from fees, making overseas spending more convenient.
Furthermore, from now until August 31, 2024, customers who register through the OmyCard mobile app and use the WeWa UnionPay credit card in Taiwan can enjoy up to 9% cash back. This effectively provides a 91% discount for trips to Taiwan!
Local Dining: 6% Cash Back for Mobile Payment
The WeWa UnionPay card itself does not offer cash back on local dining. However, if you make payments with your mobile phone, you can enjoy a 6% cash back.
PrimeCredit WeWa UnionPay Card Cash Back Summary
- 6% mobile payment (until December 31, 2024), the highest cash back during the promotion period is HK$1,800 (9 months)
- No annual minimum spending requirement
- 0.4% online transaction cash back
- Octopus Automatic Add Value 0.4% cash back
WeWa UnionPay Diamond Card: Other perks
WeWa Club
WeWa Club is a membership programme that offers a wide range of exclusive benefits for its members. As a WeWa card holder, you can easily become a WeWa Club member and start enjoying a variety of exclusive perks!
You can find a range of discounted products, from snacks to discounted travel bookings, available exclusively for WeWa Club members!
- Free registration
- Permanently waived membership fee
- Shopping discounts and priority registration for WeWa Club events
WeWa UnionPay Diamond Card: Is it good for travelling?
Is the WeWa UnionPay Diamond Card good for overseas travel? Let’s check its cashback rewards and the foreign currency transaction fee!
| Category | Cashback | Foreign Currency Transaction Fee |
| Overseas spending | 4% (travel category) | Waived |
What’s included in the travel category?
Travelling agents, airlines, and local hotels are included. Therefore, for other overseas spending that falls outside the travel category, you can still receive a 0.4% cashback.
Foreign currency transaction fee waived
When you are travelling and trying to pay your bill with the WeWa UnionPay Diamond Card, stay free from foreign currency transaction fee as it is waived. So, it might be a good idea to bring the WeWa card for travelling.
Maximise the WeWa card cashback by booking your trip or airline through travel agents.
It is recommended to use the card for making reservations for your trips through travel agents or airlines to get a 4% rebate without paying any foreign currency transaction fees.
Enjoy LoungeKey access and limousine service with a specified spending limit
Don’t forget to make the most of the WeWa Card when you have spent a certain limit with the card.
| Perks | Spending requirement |
| 3 times LoungeKey Access | Spend over HK$12,000 in 2 consecutive months |
You can enjoy 3 times LoungeKey Access when you make spending over HK$12,000 in 2 consecutive months. When you have exceeded the complimentary access, you can still enjoy the access for a USD35 fee.
Before entering the lounge, don’t forget to make a reservation on the UnionPay official website!
WeWa UnionPay Diamond Card: Welcome offer
The WeWa UnionPay Diamond Card is a well-known credit card that offers a variety of welcome offers. Within the first 90 days of card issuance, by spending a minimum of HK$8,500, cardholders can choose from 3 welcome gifts: Delsey S Series 30-inch front opening expandable suitcase, Panasonic nanoe® Hair Dryer (EH-NA9K), or a HK$500 cash rebate. You can also choose a HK$90,000 interest-free and handling fee-free cash installment programme without any spending requirement.
| Welcome Offer | Spending Requirement |
| Delsey S Series 30-inch front opening expandable suitcase | Spend HK$8,500 on retail purchases within 90 days from the card issuing date |
| Panasonic nanoe® Hair Dryer (EH-NA9K) | |
| HK$500 cash rebate | |
| Up to HK$90,000 interest-free and handling fee-free cash instalment programme | No Spending Requirement |
| HK$400 Klook coupon (only applicable to full-time university / tertiary students) | Spend HK$2,000 on retail purchases within 90 days from the card issuing date |
What is a valid transaction for spending requirements?
Valid transactions for the spending requirement amount include:
- total retail spending (both local and overseas transactions)
- Octopus Wallet auto-reloading amount
- online purchase transactions
You can meet the spending requirement through general retail spending, Octopus auto-reloading top-up amounts, and online purchases.
PrimeCredit WeWa UnionPay Card Features
- Up to 6% cashback during mobile payment promotional period
- 4% cashback for travel (travel agencies / designated airlines), cinema, theme parks, and karaoke categories
- 0.4% cashback for other local and overseas transactions
- Daily rewards through the OmyCard mobile app
- 4% cashback for spending at travel, cinema, karaoke, theme park category merchants
- 3-month interest-free installment available for single transactions of HK$1,500 or more via OmyCard mobile app
- Full-time college students can also apply
- UnionPay Diamond Card benefits such as LoungeKey services in Greater China airports (spend HKD/MOP12,000 in 2 consecutive months to share airport lounge services with friends and family 3 times)
PrimeCredit WeWa UnionPay Card Benefits
Apart from the above cashbacks, PrimeCredit WeWa UnionPay card often has other promotions, worth checking out before making transactions!
PrimeCredit WeWa UnionPay Card Movie Benefits
- 4% cashback for cinemas, theme parks, karaoke
PrimeCredit WeWa UnionPay Card Travel Benefits
- 4% cashback for travel agencies and designated airlines
- Waiver of overseas transaction fees
- 5% off for all TravelLiker hotel bookings with the code “WEWA2024”
- 6% off for specific hotel bookings on hutchgo.com with promo code
PrimeCredit WeWa UnionPay Card Dining Benefits
- 6% cashback for mobile payments, 0.4% cashback for HKD transactions exceeding the limit
- 8% off for all year round Häagen-Dazs online store ice cream cake orders (except mini size)
- 10% off for regular priced food at German restaurants
- 10% off for dine-in spending of HK$200 or more at Italian Tomato’s restaurants
PrimeCredit WeWa UnionPay Card Theme Park Benefits
- 4% off for Ocean Park, Disneyland
- 10% off for Hong Kong Noah’s Ark tickets
New WeWa Club Offering Endless Benefits
Anyone can register to be a WeWa Club member for free, and successful applicants of WeWa card can upgrade to WePlus members for free.
Joining WeWa Club, you can enjoy:
- Affordable trendy items
- Snatch concert tickets or event tickets
- More rewarding benefits
Is PrimeCredit WeWa UnionPay Card good? Worth having?
The PrimeCredit WeWa UnionPay Card, which has no income requirement and comes with a 2-year annual fee waiver, is an ideal choice for students and young people. Its most attractive feature is the 6% cashback on mobile payments – the highest in the city. This cashback offer is valid until December 31, 2024, making it worth considering for new customer benefits and 6% cashback in the short term.
Additionally, in popular travel destination Taiwan, you can receive 9% cashback on foreign currency transactions (requires prior registration), have foreign currency transaction fees waived, and obtain 6% cashback on mobile payments. However, please note that all cashbacks have a monthly limit of HK$200. If your spending exceeds this, you may easily hit the limit.
| WeWa UnionPay Diamond Card Advantages | WeWa UnionPay Diamond Card Disadvantages |
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Frequently Asked Questions: WeWa UnionPay Diamond Card
How much is the annual fee for the WeWa UnionPay Diamond Card?
- The annual fee is waived for the first two years, and after that, it is HK$1500 per year. You can call customer service to request a fee waiver.
Is there any cashback for Octopus auto-reloading with the WeWa UnionPay Diamond Card?
- For Octopus auto-reloading, you can earn a HK$1 cash rebate for every HK$250, which is equivalent to a 0.4% cashback.
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