As long as you meet the following conditions：
- aged 18 or above
- being a Hong Kong resident with a valid Hong Kong address; and
- being present in Hong Kong and has a Hong Kong mobile number
you can apply for the sim Credit Card via sim Credit Card app, sim Credit Card website (www.thesim.com), sim Credit Card Customer Service Hotline at 2722 1111 or visiting any UA Finance branches. It will only take you a few minutes to complete the application, so simple!
1. Open the sim Credit Card App and press “Sign up”
2. Enter your mobile number and accept the relevant terms and conditions
3. Follow the instructions to enter the OTP code received via text message
4. Enter your nickname and customize your password. Remember that the password must meet the following criteria:
- At least 10 characters long
- Includes 1 uppercase letter
- Includes 1 lowercase letter
- Includes 1 digit and 1 symbol (e.g., Instant123@)
5. Enter the custom password again, and then click to complete!
You are required to submit a valid HKID card copy, address proof issued within the last 3 months and salary proof for the last 3 months for approval.
A) Activate Virtual Card
After the credit card is approved, select 'Activate Card' on the homepage, choose 'Activate Virtual Card', enter the OTP code received via text message for verification, and enter your ID number. Then, confirm the terms and conditions to immediately activate the virtual card for online purchases.
B) Activate Physical Card
You can activate your physical card in one of the following ways:
(a) sim Credit Card app
1. When you receive the physical card, there will be a 'Physical Card Activation Code' printed on the accompanying letter
2. Log in to the app and select 'Activate Physical Card' on the homepage
3. After entering the OTP for verification, you can choose either scan the “Physical Card Activation Code” or manually enter the 8-digit “Physical Card Activation Code” to immediately activate the physical card.
(b) Call the sim Credit Card Customer Service Hotline at 2722 1111, select your language and press 5, and follow the instructions to activate your new card by entering your personal information and a one-time password (OTP).
To set or reset Automated Teller Machine (ATM) PIN, you can:
1. Login to the sim Credit Card mobile app
2. Select “sim Credit Card”/ “sim World Mastercard®” (as applicable) from “Home” page
3. Click “sim” at the bottom right to expand the selection list and select “Card”
4. Select “ATM PIN”
5. Enter “One-time password (OTP)” and click “Next”
6. Enter the ATM password according to the setting suggestion and click “Confirm”
sim Credit Card / sim World Mastercard® customers can enjoy a maximum of 53 days interest-free repayment period.
E-Statement is available for sim Credit Card, you can view the monthly e-Statements in sim Credit Card app.
You may apply to increase / reduce your credit limit in one of the following ways:
A) sim Credit Card app
1. Login to the sim Credit Card app
2. Select “sim Credit Card” / “sim World Mastercard®” (as applicable) from “Home” page
3. Click “sim” at the bottom right to expand the selection list and select “Card”
4. Select “Adjust Credit limit”
5. Enter the amount of credit you wish to increase / reduce at “increase credit to” or “reduce credit to” (as applicable)
6. Opt to “Agree” the terms and conditions, then press “Submit”
7. Submit relevant supporting document for us to process the application
B) Call the sim Credit Card Customer Service Hotline at 2722 1111 to contact our Customer Service Officer
You can make payments in the following ways:
A) Autopay
By selecting to pay either ‘statement balance’ or ‘minimum payment’ when setting up the electronic direct payment authorization in the sim Credit Card app, your monthly payment will be directly debited from your designated bank account.
B) FPS
You can download the FPS QR code in the sim Credit Card app and make instant transfers through the personal banking system using FPS. Please note that the QR code is valid for 2 hours, and you need to use the refreshed FPS QR code before each payment.
C) PPS
The Merchant Code for sim Credit Card is 6722. You can call the PPS hotline at 18031 (English hotline), login to the PPS mobile app or go to the PPS website www.ppshk.com to register your designated debit bank account for payment.
The cut-off time for payment is Monday to Friday at 7:00 pm, and instructions on Saturday, Sunday and public holidays will be processed on the next working day.
D) Barcode or the repayment QR code
Repayment may be made in cash at any Circle K convenience stores, VanGO convenience stores or U select by presenting the payment barcode generated by the sim Credit Card app. Repayment may also be made in cash at any 7-Eleven in Hong Kong by presenting the payment notice with repayment QR code printed thereon.
Please note that the maximum amount of cash payment is HKD5,000 per transaction. After completion of payment, please keep all the receipts for record. The cut-off time of a working day is 5:00 pm.
E) Branch
Customers can visit any UA Finance branches during office hours to make payments at counter by way of cash, FPS or EPS. For branch locations and opening hours, please visit the sim Credit Card website (www.thesim.com) or login to the sim Credit Card app.
You can report a lost card in the following ways:
A) Call the sim Credit Card 24-Hour Report Lost Hotline directly at 2596 3600; or call the sim Credit Card Customer Service Hotline at 2722 1111, select your language and press 1 to report the lost card.
B) Login to the sim Credit Card app, select the relevant Sim Credit Card and click "Details", select "Freeze Card" to temporarily freeze your account, or click "Report Lost" and apply for a replacement card.
After receipt of your lost card report, we will immediately deactivate the lost card permanently and send you a new sim Credit Card. You may also report the loss of your credit card to the police if necessary.
If you suspect a fraudulent transaction in your account, you should immediately freeze your credit card through the sim Credit Card app and contact the Customer Service Officer through the sim Credit Card customer service hotline at 2722 1111. You are also advised to report to the police at the same time.
If your statement contains a charge you don't recognize, you can identify the transaction through these methods.
A) Check the merchant’s name
Merchants are sometimes registered under a different name, so the one on your statement might not be what you expect. Try looking up the name on the internet to see if you can find more details on it.
B) Look out for additional charges
Some merchants (such as hotels, taxis, airlines or hired cars services), can add additional surcharges to your basic payment package.
C) Check your receipts and your email inbox
Check your receipts to see if you have any from the same day and for the same amount, but listed under a different merchant name. Also, have a look at your email inbox, as you'll often get digital confirmation emails or receipts, and these might also contain the merchant’s registered name.
D) Adjacent transactions
Check other transactions appearing on your statement with a similar timestamp. This may remind you of where you were when the transaction that you don't recognize was made.
E) Consider exchange rates
If the transaction you don't recognize was made in a foreign currency, the final amount could be different to the amount at the time of your purchase. For refund transaction, the refund amount in Hong Kong dollars could be different to the amount of your purchase.
F) Check recurring payments
It could be that the transaction is part of a series of ongoing payments such as an autopay, related to something you set up or subscribed to some time ago.
G) Free trials
If you signed up for a free trial recently, check the free trial period and its corresponding terms and conditions. The free trial could have expired, and you may now be paying for goods or services.
If you still don’t recognize the transaction after taking these steps, besides contacting the merchant to try to resolve the issue, you can raise out the concerns in the following ways:
A) sim Credit Card website
You can download the “sim Credit Card Cardholder Transaction Dispute Form” at sim Credit Card website (www.thesim.com), fill in the form and email to dispute@thesim.com. The dispute team will contact you to follow-up directly.
B) sim Credit Card app
1. Login to the sim Credit Card app
2. Select "Settings" from "Home" page
3. Select "Support"
4. Select "Download the sim Credit Card Cardholder Dispute Transaction Form" under "Terms and Conditions"
5. Fill in the form and email to dispute@thesim.com. The dispute team will contact you to follow-up directly.
C) Customer Service Hotline
Call sim Credit Card Customer Service Hotline at 2722 1111 to contact our Customer Service Officer
^Apple is a trademark of Apple Inc., registered in the U.S and other countries and regions. Apple is not a participant or sponsor of this promotion.
