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PrimeCredit review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PrimeCredit is a Hong Kong credit card that pays cashback of 2% year-round and a higher rate on overseas spending, so it suits people who clear the balance each month. The trade-off is the annual fee of HKD 1,500 on the credit card account.

Key facts

Best for
Hong Kong residents wanting year-round cashback plus an interest-free instalment plan.
Annual fee
HK$1,500 (Source, checked September 26, 2026)
Currency conversion fee
1% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
2% year-round cash rebate (1% basic + 1% extra), up to 8% on overseas spending (Source, checked September 26, 2026)
Perks
53-day interest-free period, 3-month interest-free credit card transaction instalment plan, Up to HK$90,000 interest-free and handling fee-free cash instalment, OmyCard mobile app with in-app UnionPay QR code (Source, checked September 26, 2026)
Cashback rate
2% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
PrimeCredit Limited (Source, checked September 26, 2026)
Headquarters
Hong Kong (Source, checked September 26, 2026)
Founded
1977 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Rewards
Official website
primecredit.com

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Cashback of 2% year-round, with a higher rate on overseas spending.
  • Perks include an interest-free period, a transaction instalment plan, a fee-free cash instalment and a mobile app with an in-app UnionPay QR code.
  • A currency conversion fee of 1% on overseas spending, well under the 10.5% seen at the top of the site.

Cons

  • An annual fee of HKD 1,500 on the credit card, ranking 300 of 301 on annual fee.
  • Support runs on phone and email only.
  • The base cashback of 2% is a rebate, and the higher rate applies only to overseas spending.

Ready to try PrimeCredit?

Scored 9.0 / 10 by DebitCue.

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Who it suits

  • Hong Kong residents who want cashback on everyday spending and clear the balance each month.
  • People who want an interest-free period and a transaction instalment plan on the card.
  • Travellers who spend abroad and prefer a currency conversion fee of 1%.

Who should look elsewhere

  • Anyone who will not pay to hold a card: Varo Believe Secured Credit Card lists an annual fee of $0.
  • Card users who prefer a secured credit card with a nil annual fee: Chime Card (Secured Visa Credit Card) lists $0.
  • Shoppers who compare purely on holding cost: Bitpanda lists an annual fee of €0.

Fees and currency costs

PrimeCredit charges an annual fee of HKD 1,500 on the credit card account, and foreign currency purchases are converted at a fee of 1%. The annual fee is a fixed cost of holding the card, while the conversion fee only bites on overseas spending, so the total cost depends on how much of your bill is paid abroad.

How PrimeCredit compares

Where PrimeCredit is available

Available
Hong Kong

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold a PrimeCredit card?+

The annual fee is HKD 1,500. That is the price of keeping the credit card open and it applies regardless of how much you spend. A currency conversion fee of 1% is separate and only applies when you pay in another currency, so the holding cost is the one to judge first.

How much cashback do I get?+

The base cashback rate is 2%, paid as a year-round rebate rather than points, and the rewards type is cashback. Spending abroad earns a higher rate than local spending, so the rate you actually get depends on where the card is used and whether the HKD 1,500 fee is worth it.

What does it cost to spend abroad?+

Foreign currency purchases are converted at a fee of 1%. Overseas spending is also where the cashback rate of 2% is highest, which softens the cost of that conversion. The card also lists an interest-free period, so a balance cleared inside that window avoids interest as well.

Is there an interest-free period and an instalment option?+

The card lists an interest-free period on purchases and an instalment plan for transactions. A fee-free cash instalment is also listed, so a planned purchase can be spread without a handling fee. The catch is that PrimeCredit is a credit card, so balances left beyond the free period still cost you.

How do I manage the card day to day?+

PrimeCredit runs an OmyCard mobile app with an in-app UnionPay QR code, so everyday spending can be handled from the phone. Support runs on phone and email, so questions about a specific payment go by phone or email rather than live chat.

How do I get help if a payment goes wrong?+

Support runs on phone and email, so phone and email are the stated routes. For a credit card account the phone line suits a disputed payment, while email suits a written record of the detail. Since the app handles payments day to day, most queries are about an account rather than a purchase.

What kind of product is this?+

PrimeCredit is a credit card, so it is borrowing rather than a debit or prepaid account. PrimeCredit Limited issues it from HK and the rewards are cashback. A credit card suits people who clear the balance rather than revolving it.

How established is the issuer?+

PrimeCredit has been operating since 1977 and its legal entity is PrimeCredit Limited, based in Hong Kong. That record matters for a credit card, where a long-standing issuer is easier to deal with when a fee or a disputed transaction needs attention.

Sources

  • hk.linkedin.com/company/primecreditlimited checked September 26, 2026

    Backs: Founded, Legal entity

    “dedicated to providing top-notch financial products and services since 1977”

  • moneyhero.com.hk/en/credit-card/provider/prime-credit checked September 26, 2026

    Backs: Annual fee, Card kind, Cashback rate, Features, Currency conversion fee, Perks, Rewards rate, Rewards type

    “Fees Annual Fee: HK$1,500 (PrimeCredit EarnMORE UnionPay Card); Annual fee waiver for the first 2 years”

  • primecredit.com/en/contact-us checked September 26, 2026

    Backs: Support channels

    “For any enquiries, please feel free to contact our Customer Service Representatives at 21112999 or email to enquiry@primecredit.com”

  • primecredit.com/osw checked September 26, 2026

    Backs: Headquarters

    “PrimeCredit provides personal loan and credit card services to overseas domestic workers of different nationalities in Hong Kong”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Related by the facts

PrimeCredit

Hong Kong residents wanting year-round cashback plus an interest-free instalment plan.

9.0/10See alternatives