我有申請信用卡(金卡/白金卡)資格嗎?

1.你可以申請白金卡，不過銀行係唔會批你
1.2你兩間指定銀行都好難批比你。

2.恆生會容易d
你有saving戶口或有按揭做緊就會易d

你最好選做pro mo先申請，否則有可能先收你年$$
你申請金卡應該沒有問題

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HSBC Requirements :

申請人的年薪必須符合以下條件：








信用卡類別

白金Visa卡

滙財金卡／萬事達金卡／美元滙財金卡

滙財卡／萬事達卡／iCAN卡

JCB 金卡


最低個人年薪（港幣）

$500,000

$150,000

$60,000

$108,000
各類基本卡及附屬卡的年費如下：匯財金卡/萬事達金卡基本卡 – 港幣550元；日財金卡基本卡 – 港幣320元；iCAN卡基本卡– 港幣300元；匯財卡/萬事達卡基本卡 – 港幣250元；美元匯財金卡基本卡 – 70美元；匯財金卡/萬事達金卡附屬卡 – 港幣275元；日財金卡附屬卡 – 港幣160元；匯財卡/萬事達卡附屬卡 – 港幣125元；美元匯財金卡附屬卡 – 35美元。


Hang Seng Bank Requirement:
Principal and Supplementary (if any) Card Applicant(s) must be Hong Kong permanent resident (For Renminbi Credit Card, JCB Card and JAL Hang Seng Card: Applicant can be Hong Kong residents with HKID Card) and be at least 18 years of age and 16 years of age respectively. Minimum annual income for credit card applicants is HKD48,000 or above.


The annual fee for Platinum MasterCard / VISA Platinum Card is HKD800 and HKD400 for each supplementary card, annual fee for Gold MasterCard / VISA Gold Card/JCB Gold Card is HKD540 for the Principal Card and HKD270 for each supplementary card, annual fee for MasterCard / VISA Card / JCB Standard Card is HKD240 for the Principal Card and HKD120 for each supplementary card. The annual fee for Renminbi Platinum Card Principal card is 800 Renminbi and 400 Renminbi for each supplementary card, annual fee for Renminbi Gold Card Principal card is 540 Renminbi and 270 Renminbi for each supplementary card, and the annual fee for Renminbi Credit Card Principal card is 240 Renminbi and 120 Renminbi for each supplementary card.


I think unless there is an invitation for the Platinum, otherwise, you have to have HKD500,000 annual income or above to qualify for such application
and if you talk abt the Gold Card, you have to try, coz seems you are the boarderline type, but not harm to submit your application if you want. Usually that will be easier to apply under the bank which is for your salary autopay into.
Yes, there might be a chance that you are not qualify or neither card, but then you can try to go for the standard one.
And as for the annual fee, usually that will just for the first or the first two years, then they will start charging, but when that comes, you can try to call to their center and request for waiver then they will process the evaluation for you.