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Best Credit Cards in Hong Kong

Compare Hong Kong credit cards to earn most air miles, cashback and welcome offers, apply through MoneySmart to get extra rewards! Read More
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SCB 渣打銀行 logo
MoneySmart Exclusive

Standard Chartered Cathay Mastercard

Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
MoneySmart Exclusive Offer
Up to HK$1,139

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$1,100 Apple Gift Card or HK$1,100 Klook Voucher or American Tourister DARTZ SPINNER 55 (retail price: HK$1,139) ! Enjoy up to 60,000 welcome miles!

[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 14 Oct 2022 - See more details below
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SCB 渣打銀行 logo
MoneySmart Exclusive
5% rebate｜The most popular in MoneySmart

Standard Chartered Smart Card

Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$1,139

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,100 Apple Gift Card or HK$1,100 Klook Voucher or American Tourister DARTZ SPINNER 55 (retail price: HK$1,139) ! Total up to HK$2,339 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall!

[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 14 Oct 2022 - See more details below
Apply Now
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安信信貸 logo
Get 6% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash rebate on all restaurants in Hong Kong and selected online merchants
6%
Miles Conversion (local spend)
N/A
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DBS 星展銀行 logo

DBS LIVE FRESH

Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
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恒生銀行 logo
Get up to 11% cash dollars on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary
HK$150,000
Cash Dollars rebate on designated categories spending
11%
Miles Conversion (local spend)
N/A
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AE 美國運通 logo
MoneySmart Exclusive
Enhanced Welcome Offer

The Platinum Card

MoneySmart Exclusive Offer
HK$2,000
Miles Conversion (local spend)
HK$7.5=1 Mile
Discount at designated restaurants
50%

Successfully apply The Platinum Card now to get extra HK$2,000 supermarket voucher or Apple Gift Card from MoneySmart & welcome offers and Platinum benefits valued up to HK$8,000 once spending at the first time in the first 3 months. All new Global Dining Credit! Platinum Card members can enjoy up to HK$2,000 annually and up to HK$400 statement credit at NET-A PORTER or MR PORTER. From now until 31 October 2022, you can enjoy extra HK$1,000 once spending the first time in the first 3 months and up to 600,000 Membership Rewards points (which is equivalent to HK$2,000 cash vouchers/ to offset your purchases OR 40,000 air miles).

Valid until 31 Oct 2022 - See more details below
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恒生銀行 logo
Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fees
Perpetual annual fee waiver
Cash back on local spend
2％
Welcome Offer
Up to 80,000 yuu Points
Apply Now
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DBS 星展銀行 logo
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$4 = 1 mile
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

MoneySmart Limited Time Offer
HK$500
Cash back on local spend
2%
Cash back on overseas spend
2%

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Oct 2022 - See more details below
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恒生銀行 logo

Hang Seng Visa Platinum Card

Min. Annual Salary
HK$150,000
Cash Dollars Rebate on designated spending category
5%
Miles Conversion (local spend)
N/A
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Card

Min. Annual Salary
HK$0
Cash back on local spend
2%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$600 cash rebate + Welcome offer: HK$670 cash rebate or  
Nintendo Switch Lite (Yellow/Turquoise) or Philips Instant Heating Water Dispenser or Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 31 Dec 2022 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Uncapped 1% rebate on foreign currencies expenses

American Express Gold Business Card

Annual Fee Waiver in First Year
N/A
Mileage Conversion (Local Spending)
HK$6 = 1 Mile
MoneySmart Exclusive Offer
Up to HK$6,180

[Limited Time Offer - limited quota! ] 
First 10 applicants successfully apply American Express Gold Business Card now to get Dyson PurifierCool™ Formaldehyde TP09 from MoneySmart, afterwards, successful applicants can also enjoy HK$300 HKTV mall voucher! With the original HK$2,400 welcome offer, total welcome offer could add up to HK$8,580!

Valid until 15 Oct 2022 - See more details below
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AE 美國運通 logo
Bank Promo
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Miles Conversion (selected online spending)
$3 = 1 Mile
Bank Promo:
Choose Your Explorer!
Offer A) Apply successfully via MoneySmart and upon successful spending in the first 3 months, you can enjoy limited-edition ANSON KONG X EXPLORER Hat Gift Box Set ! Up to HK$4,700 Welcome Offer & first-year annual fee waiver！
OR
Offer B) Apply for the American Express Explorer Credit Card and get rewards up to HK$4900 and first-year annual fee waiver!
Valid until 31 Oct 2022 - See more details below
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DBS 星展銀行 logo

DBS Eminent Visa Platinum Card

Min. Annual Salary
HK$150,000
Rebate on designated spending categories
5％
Rebate on other retail spending
1%
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恒生銀行 logo

Hang Seng Platinum Master Card

Min. Annual Salary
HK$150,000
Cash Dollars Rebate on designated spending category
6%
Miles Conversion (local spend)
N/A
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

MoneySmart Limited Time Offer
HK$300
Miles Conversion (local spend)
HK$8 = 1 mile
Miles Conversion (overseas spend)
HK$3 = 1 mile

Successfully apply now to get extra HK$300 Supermarket Voucher!

Valid until 31 Oct 2022 - See more details below
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AEON信貸財務(亞洲) logo

AEON CARD WAKUWAKU

Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%
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Citibank 花旗銀行 logo

Citi The Club

MoneySmart Limited Time Offer
HK$300
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Apply Now
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恒生銀行 logo

Hang Seng UnionPay Platinum Card

Min. Annual Salary
HK$150,000
Cash Dollars Rebate on designated spending category
6%
Miles Conversion (local spend)
N/A
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

MoneySmart Limited Time Offer
HK$500
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X Points
Miles Conversion (local spend)
$3 = 1 Mile

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Oct 2023 - See more details below
Apply Now
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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Credit Cards in Hong Kong 2022

Credit CardMinimum SalaryAnnual Fee
Standard Chartered Smart CardHK$96,000HK$0
Citi Rewards MasterCardHK$150,000HK$1,800
Standard Chartered Asia Miles MastercardHK$96,000HK$1,800
Hang Seng MPOWER CardHK$150,000HK$0
DBS Black World MastercardHK$240,000HK$2,000
American Express Cathay Pacific Elite Credit CardHK$300,000HK$1,800
American Express Platinum Credit CardHK$300,000HK$2,200
WeWa UnionPay CardHK$0HK$800
EarnMORE UnionPay CardHK$0HK$800
Citi Cash Back Visa CardHK$240,000HK$1,800
HSBC Red CardHK$120,000HK$0
DBS COMPASS VISAHK$100,000HK$1,800
Dah Sing ONE+ Credit CardHK$150,000HK$1,800

HK Credit Card Offers

HSBC Credit Cards

HSBC cards feature an attractive rewards program- the Red Hot Rewards. This program allows all cardholders to collect reward points for eligible transactions with the earning ration of HK$250 = 1 RewardCash, which can be converted into shopping coupons, air miles or cash rebates.

Standard Chartered Credit Cards

All Standard Chartered customers can earn rewards for eligible purchases. Rewards range from Asia Miles (with the Standard Chartered Asia Miles card), cashback, or 360° Rewards Points. Cardholders can exchange points for vouchers at merchants such as PARKnSHOP and IKEA. Other shopping categories include electronics, lifestyle products, and travel.

Citibank Credit Cards

Citi PremierMiles Card and Citi Rewards Card are the signature cards for Citibank. The former one is a good choice for collecting Asia Miles with the earning ratio of HK$8=1 mile with no mileage conversion fee while the latter one offers many travel perks including up to 12 times of free access to the airport lounge. Moreover, you can earn bonus reward points for spending in supermarkets and department stores. These points can be redeemed for cash coupons, miles, or used to offset purchases.

DBS Credit Cards

DBS Black Card is famous for collecting miles. All DBS personal credit card holders (except for COMPASS VISA cardholders) can earn DBS $1 for every HK$250 spending, which can be used for cash rebate or other rewards under the Reward Scheme. But changes to the type of reward scheme can only be made once a year.

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Compare Credit Cards in Hong Kong 2022

Air Miles

Miles Credit Cards

  1. Standard Chartered Asia Miles Mastercard: HK$4/ mile for dining and online spending
  2. Citi PremierMiles Card: HK$3/ mile for foreign currency transactions
  3. American Express Cathay Pacific Elite Credit Card: HK6/ 1.5 mile for foreign currency spending

Cashback

Cashback Credit Cards

  1. Standard Chartered Simply Cash Visa Card: 2% rebates on foreign currency transactions
  2. Citi Cash Back Visa Card: 2% rebates on global dining and hotel spending
  3. EarnMORE UnionPay Card: 2% rebates on all spending

Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: 5x points all-year-round at supermarkets, department stores, and telecom providers
  2. HSBC Visa Signature Card: Up to 14x “RewardCash” for selected categories

Credit Card Promotions

Year-Round Offers

Enjoy year-round privileges at dining, shopping and travel hotspot throughout the year with your credit card. For movie lovers, get buy-1-get-1-free on Friday movie tickets at UA Cinemas with UnionPay Diamond Credit Cards. Visa Signature cardholders can enjoy up to HK$200 off upon designated spending amount at restaurants like Limewood and Sip Song.

Free Airport Lounge Access

Credit Cards often provide complimentary airport lounge access which some might even allow free companions entry. Take AE Platinum Card as an example, the principal card owner is entitled to a free membership in Priority pass, which allows access to over 1,000 lounges in the world. Citi Prestige Card cardholders can also get access to Mastercard Airport LoungeKey lounges worldwide.

Welcome Gift

Welcome offers come in various types including cash rebate, air miles, coupons or gifts. Popular gift options including suitcases and electronic devices. For example, DBS COMPASS VISA gives you a Le Maurice suitcase and WeWa UnionPay Card gives you a Jabra wireless headphone as a welcome gift.

How to Choose the Best Credit Card for You in 3 Steps

There isn’t one credit card that is better than the rest. The best card for you depends on your lifestyle and regular spending habits. Here’s 3 ways to decide which card is best for you.

Step 1

Identify the type of card that best fits your lifestyle

Firstly, you want to make sure you are benefitting from the things that you spend the most money on. For example, if you spend the most on dining every month, it would make sense to get a card that maximizes the benefits you get from spending all that money eating out.

Step 2

Understand your intentions

It’s important to think about how you intend on using your card benefits. Do you prefer immediate cash rebates? Or would you prefer to collect and redeem Asia miles? Understanding what types of benefits you’d like is a major factor in deciding which card would be better for you.

Step 3

Consider the charges in the Terms and Conditions

Dig deeper into the card details to find one with the best overall value. For example, what is the expiry date for point redemptions? What are the international and domestic transfer fees? What is the required spending before you qualify for the sign-up bonus? These are a few of the important questions to think through as you shop for your new card.

5 Types of Hong Kong Credit Cards

Hong Kong credit cards are from 5 major card issuers. Visa and Mastercard take up most of the market, followed by American Express, UnionPay, and JCB. Visa and Mastercard are card issuers with a long history and are accepted everywhere in the world. On the other hand, American Express can be used in 130+ countries.

UnionPay credit cards are great for spending in China. Many Hong Kong banks have launched UnionPay dual-currency credit cards, such as HSBC UnionPay Dual Currency Credit Card and Standard Chartered UnionPay Dual Currency Platinum Credit Card to benefit frequent travelers to mainland China.

JCB credit cards are perfect for those who travel often to Japan because they offer many discounts on spending in Japan. Currently, only BEA and AEON have launched JCB credit cards in Hong Kong.

What Are the Easiest Credit Cards to Get Approved for?

Low Income Requirement Credit Cards

Many credit cards specify a low minimum income and some cards such as EarnMORE UnionPay Card and WeWa UnionPay Card do not specify a minimum income, which is ideal for housewives/ freelancers or tertiary school students to apply. Submitting your proof of asset increases your chances of getting approved, but you may still get approved without it.

No Annual Fee Credit Cards

A credit card with no annual fee helps cardholders save on card costs and maximise the rewards cardholders earn. Cardholders can enjoy no fees for life or within the promotional period depending on the type of cards you apply.

What Credit Card is Best?

There is no absolute for the best credit card, you should choose credit cards based on your spending habits. Pick credit cards with different spending categories based on your habits to earn the most rewards. For reward point credit cards, you can redeem cash rebates, air miles, coupons, and other gifts, giving you higher flexibility. Air miles credit cards are suitable for frequent flyers who would take the effort to research on collecting miles. Cashback credit cards are suitable for those who don’t spend a lot and want to get rebates directly.

Which is better: Visa or Mastercard credit card?

Visa and Mastercard credit cards are both globally accepted and offer different perks for members in different tiers, the most common types of Visa and Mastercard credit cards include Visa Platinum, Visa Signature, Visa Infinite, Titanium & Platinum Mastercard, World Mastercard and World Elite Mastercard.

Both Visa and Mastercard offer its own network benefits including travel, luxury hotel, dining and more when it comes to foreign spending, Mastercard often offers slightly better exchange rate, but for everyday card users, there is not much difference between Visa and Mastercard. It is suggested to find the right credit card by focusing on each card offer and perks of your choice, and be aware of annual fee, cash back, air miles or rewards that you are looking for.

How many credit cards can I apply for?

There is no absolute limit on the number of credit cards you can have. Having more than one credit card can allow you to get different credit card offers and benefits for different cards, you can also earn various rewards like air miles or cashback on your daily spending.

However, applying for too many credit cards at a time can hurt your credit score and the chances of credit card approval. Even though the damage on credit scores are only temporary, if you are hoping to get a mortgage or personal loan in the coming months, it is best to keep your credit report nice and clean.

Common Credit Card Fees

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Balance transfer fees

Charged when you move a balance from one card to another, usually 3-4% of the amount.

Late payment fees

If you don’t pay at least the minimum payment on your credit card payment due date, you may incur a late payment fee, usually $80-350 HKD.

Foreign transaction fees

If you love to travel, be cautious of this fee whenever a purchase is made outside of Hong Kong, as it is typically between 3-4% of the purchase amount.

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Credit Card Recommendations 2022

Which cards suit me the most?

There's no best credit card that suits everyone. Let's pick a card based on your spending habits!

Travel Credit Cards

Types of Credit Cards

Frequently Asked Questions

What is MoneySmart Referral Program?

Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,600 Apple Gift Card/759 store e-voucher/Beosound Explore Waterproof outdoor speaker (retail value $1,898) and 9,000 Miles (108,000 Points) (Fulfilled by Citibank). Get extra $300 for every friend you refer to apply. The more you refer, the more rewards you get!

Can foreigners apply for credit cards in Hong Kong?

Non-permanent residents can submit credit card application online together with supporting documents which include identity proof (e.g passport), income/ employment proof and address proof for approval.

Which credit card is best in Hong Kong?

There is no single card that suits everyone. Card applicant should pick credit cards with different spending categories to earn the most rewards. For reward point credit cards, cardholders can exchange for cash rebates, air miles, coupons, and other gifts flexibly. Air miles credit cards are suitable for frequent flyers who don’t mind the complicated redemption procedure. Cashback credit cards are suitable for low spenders to get rebates directly.

Do taxis in Hong Kong accept credit cards?

Generally speaking, no. Taxi fare needs to be settled by cash in Hong Kong.

Which credit card has the best foreign exchange rate?

It varies from providers to providers. It is best to check on the card issuer’s website for the exact foreign exchange rate on the day of the transaction. To make your money go further, you should also consider other factors like transaction fees, earning ratio, etc. when choosing which card to use overseas.

Which credit card has no foreign exchange fee?

Most UnionPay Cards do not charge a foreign exchange fee. But it doesn’t mean that it’s best to use UnionPay Cards for foreign transactions. To make your hard-earned money go further, other factors like transaction fees, earning ratio, etc. should also be taken into consideration.

Does Hong Kong take credit cards?

Yes. Visa, Mastercard, Union Pay and American Express credit cards are widely accepted in Hong Kong.

Can I use my credit card in Hong Kong?

Visa and Mastercard can be accepted worldwide but cardholders need to be aware that foreign transactions fee may apply. If cardholders wish to pay in his/ her preferred currency other than the local currency, Dynamic currency conversion (DCC) will be charged in addition to the foreign transaction fee.

What exclusive offers can I enjoy if I apply for credit cards through MoneySmart?

MoneySmart partners with various banks in Hong Kong, such as Citibank and SCB to give exclusive offers. Click now to find the latest offers!