The MUJI Card is ideal for frequent shoppers and loyal customers. You get access to rewards, discounts, and exclusive perks.
This article explains the online application process in a few easy steps. You’ll also learn how to qualify and what benefits to expect.
What Is the MUJI Card?
This card is a credit product issued by MUJI and Hang Seng Bank. It functions as a Visa Platinum card accepted internationally.
You earn both store rewards and +FUN Dollars with every eligible purchase. These can be redeemed at stores and Café&Meal MUJI.
The card includes birthday perks, discounts, and a welcome bonus. It has no annual fee and is one of the most user-friendly cards in Hong Kong.
Benefits of Owning This Card
This credit card gives access to exclusive benefits aimed at rewarding loyal users. Perks include travel, dining, and seasonal promotions beyond store purchases. Here’s what you’ll enjoy when you get one:
Store Rewards and +FUN Dollars
Earn $5 in rewards for every HKD100 spent at eligible locations. This combines with +FUN Dollars, so you benefit from two programs at once. Both the issuer and the bank reward eligible transactions.
These can be redeemed like cash on future purchases. No activation or manual redemption steps are required. Rewards accumulate automatically.
Welcome Offer and On-Site Promotion
New cardholders may earn up to $400 in rewards upon approval. On-site applicants can also get an extra $70 e-voucher package.
This includes $20 for applying and $50 for submitting proof of income or student ID. These bonuses are easy to claim if you meet the eligibility criteria.
Redemption is straightforward and fast. Vouchers are accepted at participating locations.
Dining and Spending Discounts
Cardholders receive 10% off when dining in or taking out at Café&Meal MUJI. This applies to bills of HKD200 or more during designated promotion periods.
Offers rotate to ensure variety across the year. You also unlock exclusive offers tied to Hang Seng promotions.
These may include limited product access or seasonal discounts. Updates are shared through newsletters and in-store displays.
Birthday Rewards and E-Newsletter Access
During your birthday month, you earn double reward points on purchases. You receive a total of $10 per HKD100 spent at eligible locations.
The newsletter gives early updates on product launches and deals. Signing up is free for all cardholders.
You’ll gain access to exclusive previews and content. Stay ahead of general customers with these notifications.
Annual Fee Waiver
There are no annual fees to maintain this card. Both principal and supplementary accounts are permanently exempt.
It’s a good choice for long-term users who want to avoid extra costs. This card is low-maintenance, even for those who spend less.
You can use it as a backup or your main payment method. There’s no fee to keep earning rewards.
Flexible Use for Everyday Spending
You can use this card for groceries, transport, dining, and shopping. It’s accepted anywhere Visa is supported.
Everyday purchases help you earn points faster. The card also works well for budget tracking through monthly statements.
Users can see where their money goes and plan expenses more easily. This makes the card practical for students and professionals alike.
Digital Tools and Online Account Access
Cardholders can manage their accounts through Hang Seng’s mobile banking app. You can track balances, view statements, and check rewards in real time.
The app supports transaction alerts and payment reminders. This helps users stay in control of spending and avoid fees.
It’s a convenient way to manage your credit card on the go. Support is also available via live chat within the app.
Compatibility with Contactless Payments
This card supports contactless payments for fast and easy checkout. You can tap and pay at most terminals without entering a PIN.
It works with Apple Pay, Google Pay, and Samsung Pay. This feature speeds up daily transactions and adds security.
Contactless use is especially useful for transport, dining, and convenience stores. It saves time while maintaining control over spending.
How to Apply Online?
The application is fully online and simple to complete. Any Hong Kong resident who meets the requirements may apply. Here’s how to do it:
Step-By-Step Application Process
Applying is quick and easy. Just follow these steps:
- Visit the Hang Seng card page.
- Click “Apply Now” and choose the Visa Platinum option.
- Enter your personal, job, and financial information.
- Upload documents such as HKID, income proof, or student ID.
- Double-check and submit your application.
- Wait for a reply via SMS or email.
Eligibility Requirements
To apply for the card, you must meet the following:
- Be at least 18 years old.
- Be a permanent Hong Kong resident with a valid ID.
- Students must present enrollment or school confirmation.
- Provide steady income records or similar financial proof.
- A good credit history will improve your chances.
- Approval depends on Hang Seng’s internal review, usually within a few days.
Interest Rates and Fees
Know the charges before applying. Rates follow Hang Seng Bank’s standard credit structure:
- Retail Purchase APR: 35.45% annually for purchases.
- Cash Advance APR: 35.70% annually when withdrawing cash.
- Late Payment Fee: HKD230 per cycle if the minimum is missed.
- Overlimit Fee: HKD180 per cycle if the balance exceeds your credit limit.
- Minimum Payment: 1.5% of your statement or HKD50, whichever is higher.
Make payments on time to avoid added fees. Visit Hang Seng’s site for the full and most current rates.
Customer Support and Contact
Help is available by phone, email, or in person:
- Call: +852 2694 9309 (Mon–Fri, 9:00 AM – 6:00 PM HKT)
- Email: [email protected]
- Visit a Hang Seng branch or promotional event booth
You can get help with forms, document submission, or status checks. Always bring valid ID and financial documents for faster service.
Disclaimer: This card is subject to final approval by Hang Seng Bank. Terms, benefits, and offers may change at any time without prior notice.
Final Thoughts: Why This Card Is Worth It
This MUJI card is simple, useful, and easy to maintain. You get real value through welcome gifts, dining deals, and birthday rewards.
With no annual fee, it’s great for everyday use or occasional spending. If you meet the requirements, applying online takes just a few minutes.
