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Hang Seng MMPOWER World Mastercard

Data last updated 27 October 2026
32.04%
Purchase rate
HK$0
Annual fee
700
Bonus points

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Hang Seng MMPOWER World Mastercard card
Application

CardIQ

53Fair

Fair

Overall score, out of 100 · How this works

  • No annual fee76
  • Rewards39
  • Sign-up bonus45

Customer reviews

No reviews yet. Be the first to review the Hang Seng MMPOWER World Mastercard.

Pros & cons

What's good

  • 700 bonus +FUN Dollars to start, worth HK$700.
  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • Perpetual annual fee waiver for both principal and supplementary cardholders. No tax information stated. Notional annual fee for World Mastercard is HK$6,000 principal / HK$1,000 supplementary but waived perpetually for MMPOWER World Mastercard.
  • 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.
  • Earns 1 +FUN Dollar per HK$250 on everyday spend, below the dataset average.
  • Requires a minimum income of HK$150,000 a year.

Card details

The basics

Additional cardholder fee
HK$0 p.a.
Card tier
Not published
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
+FUN Dollars

Eligibility

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

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
1 +FUN Dollar per HK$250
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
HKD5,000 within 60 days from the date of new card issuance (new credit card customers); HKD2,000 for full-time university/tertiary students
Sign-up bonus
700 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)
Rewards valueHK$144 a yearMiddle of the market (8th of 18 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