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Hang Seng enJoy Visa Platinum Card

Data last updated 27 October 2026
32.04%
Purchase rate
HK$0
Annual fee
140,000
Bonus points

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Hang Seng enJoy Visa Platinum Card card
Application

CardIQ

78Strong

Strong

Overall score, out of 100 · How this works

  • No annual fee76
  • Rewards81
  • Sign-up bonus78

Customer reviews

No reviews yet. Be the first to review the Hang Seng enJoy Visa Platinum Card.

Pros & cons

What's good

  • 140,000 bonus points to start, worth around HK$700 at our 0.5c-per-point valuation.
  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • Perpetual annual fee waiver for both principal and supplementary cardholders. Tax not mentioned. No waiver condition stated beyond the perpetual waiver.
  • The 32.04% p.a. purchase rate sits in the most expensive quarter of cards (the median is 32% p.a.) if you carry a balance.
  • Requires a minimum income of HK$150,000 a year.
  • Up to 56 interest-free days on purchases (below the 56-day median).

Card details

The basics

Additional cardholder fee
HK$0 p.a.
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
yuu Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
HK$150,000 p.a.
Residency
Hong Kong residents
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
32.04% p.a.
Purchases
32.04% p.a.

Fees

Additional cardholder fee
HK$0
Annual fee
No annual fee
Cash advance fee
0.5% of the amount
Foreign transaction fee
1.95%
Late payment fee
HK$330
Over limit fee
HK$200

Repayments

Interest-free period
Up to 56 days on purchases
Minimum repayment
HK$300 or the sum of (i) all fees and charges; (ii) any overdue Minimum Payment Amount; (iii) amount exceeding credit limit; and (iv) 1% of the New Balance (whichever is higher)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
None
Bonus categories
4 pts per HK$1 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
HK$5,000 within 60 days from the date of the Hang Seng enJoy Visa Card issuance
Sign-up bonus
140,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeHK$0Tied for best (1st of 40 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Interest-free days56 daysBetter than most (12th of 40 cards)
Sign-up bonusHK$700Middle of the market (7th of 11 cards)
Purchase rate32.04%Not as good as most cards (33rd of 40 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for Hong KongHow CardIQ scores cards
Issuer
Hang Seng Bank