University / College Affinity Credit Card
Enjoy exclusive offers

General Terms and Conditions:

1. Offers are valid from 1 July to 31 December 2025 ("Promotion Period").
2. The offers are only applicable to applicants of the following customers who apply for Principal Card of University/College Affinity Credit Card ("Designated Credit Card") during the Promotion Period and whose applications are successfully approved and whose new card is issued on or before 31 January 2026 ("Eligible Customers").
   1. New Credit Customers refer to Principal Card applicants who are not holding currently and have never held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng Bank Limited (“Hang Seng”) during the 12 months immediately preceding the date of application (“New Credit Card Customers”).
   2. Existing Credit Card Customers refer to Principal Card applicants who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application (“Existing Credit Card Customers”). Existing Credit Card Customers who are currently holding and/ or have ever held the Principal Card of the same credit card type during the 12 months immediately preceding the date of application will not be entitled to the welcome offers.
   3. Full-time University / Tertiary Students who are aged 18 or above and studying City University of Hong Kong, Hong Kong Baptist University, The Chinese University of Hong Kong, School of Continuing and Professional Studies CUHK and The Hang Seng University of Hong Kong (“Full-time University / Tertiary Students”).
3. Principal Card customer can only enjoy a Perpetual Annual Fee Waiver on one Hang Seng Credit Card (except The Hong Kong Jockey Club Membership Card, Hang Seng Prestige World Mastercard^®, Hang Seng enJoy Card, Hang Seng MMPOWER World Mastercard, Hang Seng Travel+ Visa Signature Card and Hang Seng Platinum Card). Principal Card Applicant who does not currently own and/or has not owned any personal Credit Card Principal Card issued by Hang Seng in the past 6 months, and who is applying for his/her first Hang Seng Credit Card, will be entitled to a Perpetual Annual Fee Waiver; otherwise, only 1-year Annual Fee Waiver will be offered. Supplementary Card customers can enjoy the same annual fee waiver as the Principal Card customer when applied at the same time. Supplementary Card application is not applicable to Full-time University/Tertiary Students Principal Card customers.
4. If the credit card Principal Card and its Supplementary Card(s) share the same credit limit, the accumulated transaction amount will be calculated on a combined basis.
5. If a customer who has received the offers and subsequently cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount with the value of the welcome gift received will be charged.
6. The relevant credit card account must be still valid and in good standing when the offers are granted.
7. Each of the Eligible Customers will be entitled to Welcome Offers once only during the Promotion Period.
8. When Eligible Customers achieve the designated spending requirement, +FUN Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 3 months upon fulfillment of the spending requirement. The eligible credit card account must be still valid and in good standing when the relevant +FUN Dollars are granted.
9. Reward and use of +FUN Dollars and / or Merchant Dollars are subject to the Hang Seng Credit Card Membership Rewards Programme and / or other relevant terms and conditions. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
10. The welcome offers are not transferrable, and cannot be exchanged for cash or other products.
11. Hang Seng reserves the right to vary or terminate the offers and to amend the Terms and Conditions of the offers from time to time without prior notice. In case of any disputes, the decision of Hang Seng shall be final.
12. No person other than the Customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
13. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
14. These Terms and Conditions are subject to prevailing regulatory requirements.
15. The English version of these Terms and Conditions shall prevail whenever there is a discrepancy between the English and the Chinese versions.

Welcome Offer Terms and Conditions:

16. If the Eligible Customer has successfully applied Designated Credit Card during the Promotion Period and achieved below spending requirement, the Eligible Customer will be entitled to one of the welcome gifts as per the table below.

    Eligible Customers		Spending Requirement	Welcome Gift*
    Applicable to Full-time University / Tertiary Students		To make transaction in an accumulated amount of HKD2,000 or above with the card within 60 days from the date of new card issuance	$300 +FUN Dollars
    Applicable to non-Full-time University / Tertiary Students	New Credit Card Customers	To make transaction in an accumulated amount of HKD5,000 or above with the card within 60 days from the date of new card issuance	$700 +FUN Dollars
    	Existing Credit Card Customers		$300 +FUN Dollars

    * Apart from the basic +FUN Dollars entitlement from the welcome gift spending requirement

17. The accumulated transaction amount is based on the net retail spending amount of eligible transactions, which means the final amount charged to the Designated Credit Cards concerned. Eligible retail spending amount does not include the deducted amount from the use of discount offers and / or +FUN Dollars / Merchant Dollars, any unposted purchase by Interest-free Instalment Plan at any merchant, cash advance, handling fee for cash advance, annual fee / service fee, finance charges, late charges, tax bill payment, Credit Card online bill payments (including but not limited to water bills, electricity bills, insurance premiums, payments to other banks and credit cards, etc.), Cash Instalment Plan, Spending Instalment Plan, Tax Instalment Plan, Balance Transfer Plan, Octopus Automatic Add Value Service transactions (including via e-wallet / other method to top up Smart Octopus), purchase and / or reload of stored value cards or e-wallets, purchase of products / services at financial / non-financial institutions (including but not limited to, foreign currency, money orders, travellers' cheques, deposits and money transfers), balance transfers, purchases of casino chips, and transactions which are unposted / unauthorized / cancelled / refunded / found to be fraudulent. Hang Seng will determine the eligibility of all welcome offers based on transaction records held by Hang Seng. In case of discrepancy, Hang Seng's records shall be final and conclusive.
18. If there is no selection of the welcome offers in the credit card application form, customers will be considered as having given up the right for the relevant welcome offers. Once the welcome gift is chosen or redeemed, no change or replacement will be accepted.
19. Customers are required to keep original sales slips of all posted transaction(s). Hang Seng reserves the right to request customers to provide the relevant original sales slips for verification. All sales slips submitted to Hang Seng will not be returned.