Dah Sing ONE+ Credit Card vs Hang Seng MMPOWER World Mastercard
Compare Dah Sing ONE+ Credit Card, Hang Seng MMPOWER World Mastercard side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Dah Sing ONE+ Credit Card |  Hang Seng MMPOWER World Mastercard |
|---|
Card details
CardIQ
How we calculate scores| Overall | 67Good Highest | 53Fair |
|---|---|---|
| Cashback | 100/100 | – |
| No annual fee | 75/100 | 76/100Highest |
| Rewards | 25/100 | 39/100Highest |
| Sign-up bonus | – | 45/100 |
The basics
| Card tier | Platinum | Not published |
|---|---|---|
| Card type | Not published | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | None | +FUN Dollars |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 18 years old |
|---|---|---|
| Minimum income | HK$150,000 p.a. | HK$150,000 p.a. |
| Residency | Hong Kong resident | Hong Kong |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Yes (~60 seconds) | Not published |
Repayments
| Interest-free period | Up to 60 daysHighest | Up to 56 days |
|---|---|---|
| Minimum repayment | If the Monthly Statement Balance is HKD / RMB200 or above, all interest and fees and charges including annual membership fees that may be charged, plus 1% of outstanding principal or HKD / RMB200 (whichever is higher); or if the Monthly Statement Balance is less than HKD / RMB200, the minimum payment will be the Monthly Statement Balance. | Not applicable to World Mastercard — full payment of the New Balance required; late charge of HK$330 or an amount equal to the New Balance (whichever is lower) if not paid in full by due date |
Rates & fees
Ongoing interest rates
| Purchases | 31.00% p.a.Lowest | 32.04% p.a. |
|---|---|---|
| Cash advances | 31.00% p.a.Lowest | 32.04% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900 | HK$0Lowest |
| Cash advance fee | — | 0.5% of the amount |
| Foreign transaction fee | 2.95% | 1.95%Lowest |
| Late payment fee | HK$300Lowest | HK$330 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | None | 1 +FUN Dollar per HK$250 |
|---|---|---|
| Bonus categories | None | None |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | — | Uncapped |
| Points expiry | — | — |
| Estimated annual points | – | 844 ptsWorth HK$844 |
Sign-up bonus
| Sign-up bonus | — | 700 points |
|---|---|---|
| Bonus spend required | Accumulate Eligible Spending of HKD5,000 or above and make at least 5 Eligible Spending transactions within the first 2 months from the card issuance date | HKD5,000 within 60 days from the date of new card issuance (new credit card customers); HKD2,000 for full-time university/tertiary students |
Cashback
| Sign-up cashback | HK$500 | — |
|---|---|---|
| Spend required | HK$5,000 in 2 months | — |
| Ongoing cashback | 1% on eligible spend | — |
| Cashback cap | 1% on local/overseas retail spending, unlimited, no registration or redemption required, no expiry. 0.5% on Octopus AAVS reloads. | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- Dah Sing BankHang Seng Bank