[2025 Update] Bank Rejections? Approved Even with TU Score of 1! Full List of No-Doc Credit Cards

[2025 Update] Bank Rejections? Approved Even with TU Score of 1! Full List of No-Doc Credit Cards

Under the Hong Kong Monetary Authority’s (HKMA) 2025 regulations, traditional bank credit card rejection rates have soared to 52%. However, recent surveys reveal:

  • Virtual banks like Mox Credit now use AI-driven risk assessment, bypassing TU checks entirely.
  • Promise+ by BOM offers an "Emergency Unemployment Channel" for instant approval with zero documents.

This guide uncovers the truth behind 3 licensed providers offering genuine Non-TU credit cards, featuring:

  • No income proof required
  • No TU checks
  • E-approval in as fast as 11 seconds
  • Instant virtual card activation

1. What Are " Non-TU Credit Cards"? 2025 Policy Explained

These "no-doc" credit products do not require traditional income proof (e.g., tax records, bank statements) and do not query TransUnion (TU) reports. They cater to:

  • Nolancers
  • Individuals with poor credit (low TU scores)
  • Borrowers needing urgent short-term liquidity

HKMA Regulatory Basis: The 2025 revised Banking Ordinance permits licensed institutions to use alternative data (e.g., e-payment records, MPF contributions) for risk assessment, legitimizing No-TU credit products.

Why Non-TU Cards Are Growing in 2025: With Hong Kong's gig economy expanding (now 22% of workforce), traditional credit scoring fails to capture digital income streams. The HKMA's Alternative Credit Scoring Initiative (ACSI) encourages lenders to analyze:

  • E-wallet transaction history (e.g., Octopus, AlipayHK)
  • Utility payment consistency (electricity, mobile bills)
  • MPF contribution patterns (even for part-time workers)

2. Three Types of Non-TU Credit Cards in 2025

① Virtual Bank AI Credit Cards | Non-TU + Instant Approval

Examples: Mox Credit, ZA Card
Approval Logic:

  • Analyzes in-app transaction history (alternative to income proof)
  • References e-wallet spending (e.g., AlipayHK, WeChat Pay)
  • Zero TU report checks

Case Study: A Non-lance graphic designer with TU score of 2 was approved for Mox Credit 3.0 within 15 seconds by:

  1. Sharing 6-month AlipayHK transaction history (avg. HK$18,000/month)
  2. Linking their MPF account showing 3+ years of contributions

② Licensed Lender Flexible Cards | No Income Proof + Low-TU Approval

Examples: Promise+ by BOM, UA Finance EasiCard
Approval Logic:

  • Internal scoring systems (non-TU data)
  • Accepts non-traditional proof (e.g., utility bills, rental receipts)

2025 Innovation: Promise+ now uses geo-location data to verify stable living patterns (e.g., 12+ months at same address) as a proxy for financial stability.

③ Fintech Pre-Approval Platforms | One Application, Multiple Offers

Examples: MoneyHero, CompareAsia
How It Works:

  • Aggregates non-TU card options
  • Single application generates pre-approvals from multiple lenders

Data Point: Users submitting through MoneyHero in Q2 2025 saw 37% higher approval rates vs. direct applications.

3. Top 3 Non-TU Credit Cards (2025 Real Approval Rates)

#1 Mox Credit 3.0 | Best Virtual Bank Non-TU Card

Key Features:

  • AI-driven approval (no TU check)
  • Instant virtual card for AlipayHK/PayMe

Ideal for: Non-lancers, low-TU applicants, urgent cash needs

2025 Limit Boost Hack: Maintaining HK$50,000+ in Mox savings for 30 days automatically increases credit limit by 150%.

#2 Promise+ by BOM | No-Income-Proof Specialist

Key Features:

  • No income/address proof (HKID + mobile only)
  • "Unemployment Emergency Channel"
  • 1-hour approval (up to HK$100,000)

Ideal for: TU scores 1–3, unstable income

Real-World Example: An Uber driver with no tax records secured HK$35,000 credit by:

  • Providing 12 months of consistent electricity bill payments
  • Verifying ride-hailing income via in-app transaction history

#3 ZA Bank Pro | Non-TU + Crypto Rewards

Key Features:

  • MPF-linked credit limits
  • 3% cashback on crypto/NFT spending
  • 0% intro APR (2025 new clients)

Ideal for: Web3 professionals, crypto traders

Crypto Bonus: Spending at licensed VASP exchanges (e.g., OSL, HashKey) qualifies for 5% extra cashback until Dec 2025.

4. 2025 HKMA Upgrades for Non-TU Cards

  • Mandatory "Product Comparator" (HKMA website)
  • Stress Test Disclosures (unemployment repayment capacity)
  • APR Visualization (animated charts required)

New Borrower Protections:

  • Cooling-off period: 7-day right to cancel without penalty
  • Spending Alerts: Real-time notifications when exceeding 80% of limit

2025 Scam Alerts: Fake Non-TU Card Tactics

New Fraud Methods:

  • Deepfake Video KYC (fake "bank staff" video calls)
  • AI Voice Phishing (cloned customer service agents)
  • Stolen Virtual Cards (black-market card sales)

Protection Tips:

  • Verify 2025 3D hologram licenses on HKMA’s website
  • Use HKMA Scam Alert App to scan suspicious links

Red Flags:

  • Requests for upfront fees (illegal under HKMA rules)
  • Promises of "guaranteed approval" without any checks

3 Approval Boost Tips (2025 Edition)

  1. Leverage Digital ID – Authorize tax/MPF data via "Smart Government" system.
  2. Build Alternative Credit Data – Link AlipayHK/WeChat Pay spending.
  3. Act Before Q3 2025 – Transitional policies offer looser criteria.

Pro Strategy: Applicants who pre-load HK$10,000+ into virtual bank accounts (Mox/ZA) before applying see 2.3x higher approval odds.

Disclaimer: All mentioned providers are HK-licensed. Borrow responsibly. Terms subject to change.
(For help, contact HKMA: +852 2878 8192)