Sim World Mastercard
- Bank
- United Asia Finance
- Issuer
- Sim
- Annual fee
- Income requirement
- Network
- Verified date
- Official website
Saving by category
Estimated saving at the selected amount. Conditions apply. Blank values have no supported estimate.
| Category | Saved percentage | Conditions |
|---|---|---|
| Dining | ||
| Fine dining | ||
| Local dining | ||
| Fast food | ||
| Food delivery | ||
| Cafés, bakeries and desserts | ||
| Groceries | ||
| Markets | ||
| Supermarkets | ||
| Convenience stores | ||
| Shopping | ||
| Fashion | ||
| Sports and outdoors | ||
| Department stores | ||
| Electronics | ||
| Home and furniture | ||
| Jewellery and watches | ||
| Books and stationery | ||
| Pet supplies | ||
| Online shopping | ||
| Overseas online shopping | ||
| Local online shopping | ||
| Online groceries | ||
| Online fashion and sports | ||
| Transport | ||
| Local transport | ||
| Parking | ||
| Fuel and EV charging | ||
| Taxis, rides and car rental | ||
| Travel | ||
| Hotels | ||
| Travel bookings | ||
| Airlines | ||
| Travel agencies | ||
| Entertainment | ||
| Cinemas | ||
| Games | ||
| Streaming | ||
| Theme parks and attractions | ||
| Concerts and tickets | ||
| Bills and utilities | 2% | Conditions and calculation
sim World Mastercard eligible bill payments: 2% CashBack: 2%
|
| Telecommunications | 2% | Conditions and calculation
sim World Mastercard eligible bill payments: 2% CashBack: 2%
|
| Government payments | 2% | Conditions and calculation
sim World Mastercard eligible bill payments: 2% CashBack: 2%
|
| Electricity and gas | 2% | Conditions and calculation
sim World Mastercard eligible bill payments: 2% CashBack: 2%
|
| Water | 2% | Conditions and calculation
sim World Mastercard eligible bill payments: 2% CashBack: 2%
|
| Health and wellness | ||
| Medical services | ||
| Pharmacies and supplements | ||
| Fitness | ||
| Beauty and personal care | ||
| Education | ||
| Tuition and courses | ||
| Overseas spending | 8% | Conditions and calculation
sim World Mastercard overseas retail: 8% CashBack: 8%
|
| Mainland China spending | ||
| Macau spending | ||
| E-wallet spending | ||
| E-wallet top-ups | ||
| WeChat Pay | ||
| AlipayHK | ||
| Octopus | ||
| PayMe | ||
| Mobile payments | ||
| Google Pay | ||
| Apple Pay | ||
| Samsung Pay | ||
| Insurance | ||
| Rent | ||
| Charitable donations | ||
| Loans and installments | ||
| Other | 0.4% | Conditions and calculation
sim World Mastercard other eligible retail: 0.4% CashBack: 0.4%
|
Promotion offers and card offers are separate. Combined eligibility is not assumed.
Promotion offers (18)
sim World Mastercard可獲HKD700 Apple Store禮品卡700HKD rewardConditions applyGift
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Type: all
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: The source states a gift card value but no percentage.
- Application or registration is required.
- 成功申請sim World Mastercard並憑卡累積指定簽賬額，可獲HKD700 Apple Store禮品卡；指定簽賬額未載於此Markdown。Apple為註冊商標；Apple未參與或贊助此推廣。一般條款未載於此Markdown。
- 此優惠列於迎新優惠。
sim World Mastercard HKD700 Apple Store禮品卡700HKD rewardConditions applyGift
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Type: all
- Benefit limit: Period: not stated · Type: not stated
- Application or registration is required.
- 成功申請sim World Mastercard®並憑卡累積指定簽賬額，可獲HKD700 Apple Store禮品卡；指定簽賬額未列明。
- Apple Inc.未參與或贊助此推廣活動。
- 信用卡簽賬優惠受條款及細則約束。
sim World Mastercard獲HKD700 Apple Store禮品卡700HKD rewardConditions applyGift
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Type: all
- Benefit limit: Applies to: Apple Store禮品卡迎新獎賞 · Period: not stated · Type: not stated
- Application or registration is required.
- 須成功申請sim World Mastercard®並累積指定簽賬額；指定簽賬額未列明。
- 頁面將此獎賞列於迎新優惠。
- Apple是Apple Inc.的註冊商標；Apple沒有參與或贊助此推廣。
- 信用卡簽賬優惠受條款及細則約束；本Markdown未列出詳細條款。
sim Credit Card／sim World Mastercard 網上消費高達8%現金回贈Up to8%savingCashback
- Eligibility: Audience: all
- Eligible spending: Applies to: 網上購物 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 網上消費可享高達8%現金回贈；詳細合資格交易及上限未在本地頁面列明。
sim World Mastercard 海外消費高達8%現金回贈Up to8%savingCashback
- Eligibility: Audience: all
- Eligible spending: Applies to: 海外簽賬 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 海外消費；詳細合資格交易及上限未在本地頁面列明。
sim Credit Card／sim World Mastercard 特選商戶3%現金回贈3%savingCashback
- Eligibility: Audience: all
- Eligible spending: Applies to: 其他 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- The complete list of eligible merchants is not available.
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 只列明特選商戶，完整商戶名單未在本地頁面提供。
sim Credit Card／sim World Mastercard app即時現金服務（優惠值未列明）—Value not statedFinancing
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 頁面只說明可在app即時取得現金，未列明金額、利率或費用。
sim Credit Card／sim World Mastercard 水電賬單高達2%現金回贈Up to2%savingCashback
- Eligibility: Audience: all
- Eligible spending: Applies to: 賬單及公用事業 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 使用sim Credit Card app繳付合資格賬單；頁面列出水電、租金、差餉、學費及grant loan，詳細上限未列明。
sim Credit Card／sim World Mastercard 租金繳付高達2%現金回贈Up to2%savingCashback
- Eligibility: Audience: all
- Eligible spending: Applies to: 租金 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 使用sim Credit Card app繳付合資格賬單；頁面列出水電、租金、差餉、學費及grant loan，詳細上限未列明。
sim Credit Card／sim World Mastercard 差餉繳付高達2%現金回贈Up to2%savingCashback
- Eligibility: Audience: all
- Eligible spending: Applies to: 政府繳費 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 使用sim Credit Card app繳付合資格賬單；頁面列出水電、租金、差餉、學費及grant loan，詳細上限未列明。
sim Credit Card／sim World Mastercard 學費及grant loan繳付高達2%現金回贈Up to2%savingCashback
- Eligibility: Audience: all
- Eligible spending: Applies to: 學費／課程 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- sim World Mastercard®頁面列明最低年收入HKD150,000。
- 使用sim Credit Card app繳付合資格賬單；頁面列出水電、租金、差餉、學費及grant loan，詳細上限未列明。
sim World Mastercard HKD700 Apple Store禮品卡1Apple Store禮品卡 rewardConditions applyGift
- Eligibility: Audience: all
- Eligible spending: Applies to: 其他 · Type: category
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- Application or registration is required.
- 持卡人須年滿18歲或以上。
- sim World Mastercard®最低年收入HKD150,000。
- 須成功申請並累積指定簽賬額；指定簽賬額未在本地頁面列明。
sim World Mastercard HKTVmall HK$500電子現金券1電子現金券 rewardGiftMinimum spending: HK$3,000.00
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: 其他 · Type: category
- Requirements: Period spend <: HK$7,000.00 · Period spend ≥: HK$3,000.00
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- 最低年收入HKD150,000。
- 迎新優惠；須於2個月內累積HK$3,000至HK$6,999簽賬。
sim World Mastercard Apple Store HK$500禮品卡1Apple Store禮品卡 rewardGiftMinimum spending: HK$3,000.00
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: 其他 · Type: category
- Requirements: Period spend <: HK$7,000.00 · Period spend ≥: HK$3,000.00
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- 最低年收入HKD150,000。
- 迎新優惠；須於2個月內累積HK$3,000至HK$6,999簽賬；此檔與HKTVmall HK$500電子現金券為二選一。
sim World Mastercard HKTVmall HK$1,000電子現金券1電子現金券 rewardGiftMinimum spending: HK$7,000.00
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: 其他 · Type: category
- Requirements: Period spend <: HK$12,000.00 · Period spend ≥: HK$7,000.00
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- 最低年收入HKD150,000。
- 迎新優惠；須於2個月內累積HK$7,000至HK$11,999簽賬。
sim World Mastercard Apple Store HK$1,000禮品卡1Apple Store禮品卡 rewardGiftMinimum spending: HK$7,000.00
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: 其他 · Type: category
- Requirements: Period spend <: HK$12,000.00 · Period spend ≥: HK$7,000.00
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- 最低年收入HKD150,000。
- 迎新優惠；須於2個月內累積HK$7,000至HK$11,999簽賬；此檔與HKTVmall HK$1,000電子現金券為二選一。
sim World Mastercard Apple AirPods Pro第二代1AirPods Pro rewardGiftMinimum spending: HK$12,000.00
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: 其他 · Type: category
- Requirements: Period spend ≥: HK$12,000.00
- Benefit limit: Applies to: eligible benefit · Period: not stated · Type: not stated
- 持卡人須年滿18歲或以上。
- 最低年收入HKD150,000。
- 英文本地化資料列明迎新優惠須於2個月內累積HK$12,000或以上簽賬。
sim World Mastercard designated local merchants: 3% CashBack3%rateCashbackPeriod LimitedMinimum spending: HK$1,000.00Cap: HK$200.00 · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: adidas / puma / fila / matsukiyo hk / tokyo lifestyle · Type: merchant
- Requirements: Period spend ≥: HK$1,000.00
- Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
- The rate includes the basic 0.4% rebate and requires HKD 1,000 in non-online eligible retail transactions in the same calendar month.
- Applies to posted transactions at physical Hong Kong stores of Adidas, PUMA, Fila, matsukiyo HK, and Tokyo Lifestyle. Online store transactions count as online transactions.
- The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
- Transactions must meet the issuer's merchant-code rules. The account must remain valid and in good standing. Reversed, refunded, fraudulent, or abused transactions may have cashback debited.
- CashBack Promotion: 2026-10-01 – 2026-12-31
Credit card offers (7)
sim World Mastercard online retail: 8% CashBack8%rateCashbackPeriod LimitedMinimum spending: HK$500.00Cap: HK$200.00 · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 網上購物 · Type: category
- Minimum requirement: Period: per transaction · Spend: HK$500.00
- Requirements: Period spend ≥: HK$1,000.00
- Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
- The rate includes the basic 0.4% rebate. Each online retail transaction must have a net amount of at least HKD 500 in the same calendar month.
- The cardholder must accumulate HKD 1,000 in non-online eligible retail transactions in that calendar month. Online overseas transactions count as online transactions.
- The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
- Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.
- CashBack Promotion: 2026-10-01 – 2026-12-31
sim World Mastercard overseas retail: 8% CashBack8%rateCashbackPeriod LimitedMinimum spending: HK$1,000.00Cap: HK$200.00 · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 海外簽賬 · Type: category
- Requirements: Period spend ≥: HK$1,000.00
- Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
- The rate includes the basic 0.4% rebate. Eligible overseas retail means a retail transaction made outside Hong Kong and posted in a currency other than HKD. Online overseas transactions count as online transactions.
- The cardholder must accumulate HKD 1,000 in non-online eligible retail transactions in the same calendar month.
- The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
- Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.
- CashBack Promotion: 2026-10-01 – 2026-12-31
sim World Mastercard designated local merchants: 3% CashBack3%rateCashbackPeriod LimitedMinimum spending: HK$1,000.00Cap: HK$200.00 · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: adidas / puma / fila / matsukiyo hk / tokyo lifestyle · Type: merchant
- Requirements: Period spend ≥: HK$1,000.00
- Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
- The rate includes the basic 0.4% rebate and requires HKD 1,000 in non-online eligible retail transactions in the same calendar month.
- Applies to posted transactions at physical Hong Kong stores of Adidas, PUMA, Fila, matsukiyo HK, and Tokyo Lifestyle. Online store transactions count as online transactions.
- The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
- Transactions must meet the issuer's merchant-code rules. The account must remain valid and in good standing. Reversed, refunded, fraudulent, or abused transactions may have cashback debited.
- CashBack Promotion: 2026-10-01 – 2026-12-31
sim World Mastercard eligible bill payments: 2% CashBack2%rateCashbackPeriod LimitedMinimum spending: HK$1,000.00Cap: HK$200.00 · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 賬單及公用事業 · Type: category
- Requirements: Period spend ≥: HK$1,000.00
- Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
- The rate includes the basic 0.4% rebate and requires HKD 1,000 in non-online eligible retail transactions in the same calendar month.
- Bill payments must use the sim Credit Card app's Pay Bills/Taxes service and post during the promotion. Excludes payments to tax authorities, financial institutions, insurers, and charities, plus instalments and reversed or unauthorized transactions.
- The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
- CashBack Promotion: 2026-10-01 – 2026-12-31
sim World Mastercard other eligible retail: 0.4% CashBack0.4%rateCashbackPeriod LimitedCap: HK$200.00 · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 其他 · Type: category
- Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Applies to eligible retail transactions not classified as online, overseas, or designated local merchant transactions. The terms show no separate monthly spending requirement for this rate.
- The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
- Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.
- CashBack Promotion: 2026-10-01 – 2026-12-31
sim World Mastercard student annual fee waiver: HKD 1,800 per year1,800HKD savingConditions applyFee WaiverPeriod Limitedstudent
- Eligibility: Audience: student · Document: Valid student identity card, verified by the Card Issuer.
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Annual fee waiver · Period: not stated · Type: not stated
- Application or registration is required.
- The applicant must attend a full-time programme at an accredited Hong Kong institution listed in the promotion terms.
- Submit the valid student identity card during application, or submit it later if it was not available at application. The Card Issuer must verify it. The eligible card account must remain valid and in good standing.
- The HKD 1,800 value is the listed annual fee for a sim World Mastercard principal card. The issuer may choose only one promotion when promotions overlap.
- Promotion valid until further notice: 2026-01-01 – Not stated
sim World Mastercard retail purchases: up to 53 days interest-freeUp to53days quantityFinancing
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Retail purchase interest free period · Period: not stated · Type: not stated
- The interest-free period is up to 53 days and does not apply to cash advance transactions.
- No finance charge is levied if the Statement Balance of the monthly statement on which the relevant transaction first appears is paid in full on or before that statement's Payment Due Date.