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Hang Seng enJoy Card  Welcome offers up to $500 Cash Dollars  Apply Now  Terms and conditions apply to the offers
enJoy Card

Hang Seng enJoy Card, brought to you by the Jardine Matheson Group and Hang Seng Bank, is delighted to introduce you to a more extensive spending network with tremendous year-round discount offers than ever. The Card now allows you to enjoy exclusive year-round discount offers at over 2,500 merchant outlets of 7-Eleven, IKEA, Mannings, GNC, Wellcome, Market Place by Jasons, 3hreesixty, Oliver’s the Delicatessen, Jasons · Food & Living, Jasons ichiba, Pizza Hut, PHD, KFC, Maxim’s Group, Genki Sushi, sen-ryo, UO-HARU, DONDONYA, IPPUDO, Uo-Show, Arome Bakery, Cha Long, COVA Caffè-Ristorante and Starbucks (“Designated Merchants”). In addition to exclusive 1% enJoy Dollars rebate, you can also benefit from various Hang Seng Credit Card spending privileges, so you can enJoy everywhere!
enJoy Plentiful Welcome Gifts
  1. Successfully apply for a enJoy Card and you can receive an array of fabulous welcome offers.

enJoy Card Rewards Programmes
    You are entitled to 1% enJoy Dollars rebate for spending with your Card at the enJoy Card Designated Merchants, i.e. every HKD200 = $2 enJoy Dollars. Accumulated enJoy Dollars can be used as cash (1) for the next purchase at the Designated Merchants. Spend more, earn more!
    For every HKD200 card spending with your Card at merchant outlets other than the enJoy Card Designated Merchants, you can earn $1 Cash Dollar^(2) which can be used as instant cash(1) at over 7,600 designated merchant outlets of Cash Dollars all over the town. You can use the accumulated enJoy Dollars and Cash Dollars as cash concurrently within the same transaction for the next purchase; so you can save even more every time you shop.
    You will earn Merchant Dollars of the specific merchant on top of Cash Dollars for every spending at the Merchant Dollars designated merchants. You can use the cumulative Merchant Dollars and Cash Dollars as cash concurrently for the next purchase at the same designated merchants to enjoy double savings!


Use of enJoy Dollars / Cash Dollars is not applicable to "Wellcome Delivers" and Market Place Delivers.
^ Equivalent to 0.5% Cash Dollars rebate.

Exclusive Year-round Discount Offers
    Spend with your Card at enJoy Card Designated Merchants to enjoy year-round discount offers(3).

Hang Seng Credit Card Privileges
Online Spending Privileges
Hang Seng Credit Card is breaking new ground in online spending - Cash Dollars and Interest-free Instalment Plans are now available online to bring you double spending privileges. What’s more, coupled with the enhanced services from "One-Time Password" and "Digital Wallet", plus Online Spending Cash Dollars Rewards and fabulous merchant offers, a brand new online shopping experience is to start under your fingertips.


Hotel Dining Privileges and Discounts at Selected Merchant Outlets
Enjoy up to 20% discount at the designated restaurants of JW Marriott Hotel Hong Kong, Island Shangri-La, Hong Kong, Kowloon Shangri-La, Hong Kong, Conrad Hong Kong, InterContinental Hong Kong, Sheraton Hong Kong Hotel & Towers, W Hong Kong and The Mira Hong Kong. You can also enjoy discounts at over 4,600 merchant outlets in town throughout the year, including renowned restaurants, luxury stores, leisure destinations and more.


Up to 2.4% Cash Dollars Rebate on Overseas Spending / Online Shopping
From now till 31 December 2019, starting from the month of successful registration, when you have accumulated a monthly retail spending of HKD5,000 or above with your enJoy card, you can earn up to 2.4% Cash Dollars rebate on overseas spending / online shopping made in that month. Terms and conditions apply, please click "More" for details.


VIP Box at Happy Valley and Sha Tin Racecourse – The Hong Kong Jockey Club
Selected Hang Seng Credit Card Customers can enjoy an exquisite buffet and spectate a horse race at Happy Valley and Sha Tin Racecourse in luxury with an unparalleled view by reserving a seat at the HKJC VIP Box. Reserve now for a Buy-3-Get-1-Free Offer! Terms and conditions apply, please click “More” for details.



Mobile Payment Services

Customers can pay with Hang Seng Credit Card using Apple Pay, Google Pay™ or Samsung Pay to experience a secure, simple and speedy way of payment, while enjoying the benefits of Hang Seng Credit Card#. For products and services information, terms and conditions, please visit

Apple Pay is trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is trademark of Google Inc..
Samsung Pay is a trademark of Samsung Electronics Co., Ltd.

# For some merchants, customers are required to do the transaction with a physical card in order to enjoy the relevant offers, please consult respective merchants for details. Payment with Mobile Payment Services by using Hang Seng Credit Cards is not applicable to Cash Dollars / Merchant Dollars / enJoy Dollars Redemption. Customer can only redeem Cash Dollars / Merchant Dollars / enJoy Dollars by using their physical card during transactions.


Useful Tools
To borrow or not to borrow? Borrow only if you can repay!