GoBear is now part of Finder

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

【交學費信用卡2021】邊張卡交學可費可賺最多回贈及里數?

(更新日期﹕2020年12月)

比较信用卡

Name Product Annual Fee Fee Waiver Annual Interest Rate Minimum Annual Income
American Express Explorer Credit Card
American Express Explorer Credit Card
HK$1,800
Yes
37.67%
HK$300,000
Enjoy a welcome offer worth up to HK$4,200 with first year annual fee waiver. In addition, earn up to 5X American Express points on eligible daily spending with freedom to redeem various rewards. Terms and conditions apply.
DBS Live Fresh Credit Card
DBS Live Fresh Credit Card
HK$1,800
Yes
36.33%
HK$150,000
Save with the first-year annual fee waiver when you meet the spending requirement and activate a DBS Card+ account. Plus, enjoy rewards worth HK$1,000 from “InstaRedeem” or Klook. T&Cs apply.
DBS Black World Mastercard
DBS Black World Mastercard
HK$2,800
Yes
36.33%
HK$240,000
Enjoy a welcome gift of up to 50,000 miles or up to HK$800 of hotel spending rebate, and save with the first year fee waiver. T&Cs apply.
DBS Compass Visa Credit Card
DBS Compass Visa Credit Card
HK$1,800
Yes
36.33%
HK$100,000
Enjoy “InstaRedeem” amount of HK$400 for PARKnSHOP/ Watsons/ FORTRESS or HK$300 for all merchants. Discounts or rebates from selected partners. T&Cs apply.
Citi Cash Back
HK$1,800
Yes
35.51%
HK$120,000
Standard Chartered Simply Cash Visa Card
HK$2,000
No
35.7%
HK$96,000
Dah Sing British Airways Platinum Card
Dah Sing British Airways Platinum Card
HK$1,800
$0 annual fee for the first 2 years
35.7%
HK$150,000
HSBC Visa Signature Card
HSBC Visa Signature Card
HK$2,000
36.43%
HK$360,000
loading

Compare up to 4 providers

香港的資助大學每年學費為$42,100,自資學費的學位則由約由$30,000至$70,000不等,大約是每年10月繳交。交學費絕對是大額消費,其實各位家長及學生哥可以用信用卡交學費,賺取信用卡積分、兌換里數又得,現金回贈或現金券亦可。今次阿啤為大家準備了用信用卡交學費的注意事項,以及搜羅了一堆可以賺取積分的交學費信用卡,即刻睇下用邊張卡交學費最著數啦﹗

目錄﹕交學費注意事項邊張卡交學費可賺現金回贈或里數?推介交學費信用卡

用信用卡交學費注意事項

1. 用信用卡交學費都有唔同途徑

用信用卡交學費都有不同途徑的,例如可以用信用卡的網上銀行 (e-banking) 轉賬、可以登入院校的網站繳交或者親自前往校務處繳交。由於本港大部份的學生都是以網上銀行 (e-banking) 轉賬,所以今次阿啤會集中講相關的交學費賺回贈或里數資料。

2. 何謂用信用卡的e-Banking交學費?

學生的信用卡限額較低,一般都只有一萬元,若想用信用卡交學費,可先存錢入信用卡戶口,然後再於網上銀行繳交學費。( 阿啤搵到一篇幾好的教學文章,分享中大學生如何用e-Banking交學費,可按此瀏覽)。

3. e-Banking交學費食唔到迎新優惠

相比起親自碌卡或者上商戶網站繳費,e-Banking繳費所賺取的回贈或里數係最少的,而且就算用e-Banking交大額學費,都食唔到迎新優惠,所以大家用信用卡交學費的時候,亦可以先問清楚相關院校能否親自去碌卡、上他們的網站或者set auto pay去交,真係唔得既話,才用e-Banking去交。

4. Check清楚院校支援那間銀行e-banking繳費

大部份銀行都支援以信用卡的e-Banking繳交學費,但未必會支援所有院校的,阿啤建議大家先問清楚相關銀行。

5. 唔係張張卡都可以儲分

可以e-Banking繳交學費而又賺取現金回贈或里數的信用卡及銀行真的不多,目前只有HSBC滙豐銀行、恒生銀行、建設銀行及中國銀行的信用卡可以做到。

邊張卡交學費可賺現金回贈或里數?

可以e-Banking繳交學費而又賺取現金回贈或里數的信用卡及銀行真的不多,阿啤搜羅了以下可以供學生或家長/在職人士申請的信用卡,學生哥自己交學費又得,家長交學費又得。阿啤做資料搜集時,有同學問安信EarnMore卡交學費得唔得,本來係可以,但原來安信信用卡是沒有e-banking的,那就是不可以了。

信用卡申請對象可賺回贈或里數高達注意事項
滙豐 滙財金卡 – 學生卡大專生/ 大學生2.4% 回贈最高享$400「獎賞錢」
恒生銀行 大學/大專聯營信用卡大專生/ 大學生2.4% 回贈
中銀 i-card大專生/ 大學生0.4% 回贈每月首$10,000網上繳費可享有積分
恒生銀行 enjoy 卡學生 / 在職人士0.4% 回贈 yuu 積分每月首$10,000網上繳費可享有積分
中銀信用卡 (不包括中銀 i-card )在職人士0.4% 回贈每月首$10,000網上繳費可享有積分
建行(亞洲)eye卡在職人士0.4% 回贈 / $15=1里
滙豐信用卡 (不包括學生卡 )在職人士0.4% 回贈每月首$10,000網上繳費可享有積分

推介交學費信用卡

要推介一張最強的交學費信用卡,首選當然是HSBC滙豐滙財金卡 – 學生卡。

滙豐 滙財金卡 – 學生卡

交學費優惠

  • 憑HSBC滙豐網上理財繳交指定大學/大專學院學費,可享高達2.4%「獎賞錢」回贈
  • 推廣期由2020年7月1日至2021年3月1日分兩階段進行,每階段可享高達$200「獎賞錢」,全期最高享$400「獎賞錢」
迎新優惠
  • 即日起至2021年3月1日,發卡後首60日簽賬滿HK$2,000,可享HK$300「獎賞錢」
  • 永久豁免年費
精選回贈
  • 網上及海外簽賬: 2.4%「獎賞錢」回贈
  • 餐飲優惠低至7折﹕Outback Steakhouse、牛角、牛涮鍋及温野菜等精選食府
點樣賺盡?

滙財金卡學生卡有2.4交學費回贈,全期上限是$400,即是大約繳交$16,670的學費就能賺盡$400「獎賞錢」。但大學學費起碼要4萬多元,此時你就可以選擇用另一張交學費的高回贈信用卡(例如是恒生銀行大學/大專聯營信用卡)繳交餘下的費用。

除了以上的信用卡外,市場上仲有其他學生信用卡的,即上GoBear比較﹗阿啤亦提提各位,始終學生哥未有穩定收入,大家唔好胡亂碌卡呀﹗

伸延閱讀

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site