Best Credit Cards in Hong Kong 2020

We found 63 Credit Cards for you!

Standard Chartered Simply Cash Visa Card

Min. Annual Salary: HK$96,000
Cash back on local spend: 1.5%
Cash back on overseas spend: 2%

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MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 31 Jul 2020.

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Annual Interest Rate	33.41%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000

Visa

Visa payWave

Welcome Offer

Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary: HK$0
Cash back on local spend: 4%
Cash back on other spend: 0.4%

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Welcome Offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program Valid till 28 Feb 2021.

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Annual Interest Rate	N/A
Annual Principal Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period	53 Days

Local Resident	HK$0
Foreigner	HK$0

Unionpay

UnionPay QuickPass
Apple Pay

MoneySmart Exclusive

Complimentary Plaza Premium Lounge access

American Express Cathay Pacific Elite Credit Card

Min. Annual Salary: HK$300,000
Miles Conversion (local spend): HK$6 = 1 Mile
Miles Conversion (overseas spend): HK$6 = 1.5 Miles

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MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 31 Jul 2020.

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Annual Interest Rate	37.67%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit

Local Resident	HK$300,000
Foreigner	HK$300,000

MoneySmart Exclusive

As low as HK$0.2=1 Asia Miles for welcome offer

Standard Chartered Asia Miles Mastercard

Min. Annual Salary: HK$96,000
Miles Conversion (local spend): HK$4 = 1 Mile
Miles Conversion (overseas spend): HK$4 = 1 Mile

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MoneySmart Exclusive: HK$300 Supermarket Vouchers Valid till 31 Jul 2020.

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Annual Interest Rate	33.41%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000

Mastercard

Mastercard contactless

MoneySmart Exclusive

Earn 2% cashback from Octopus AAVS

EarnMORE UnionPay Card

Min. Annual Salary: HK$0
Cash back on local spend: 2%
Cash back on overseas spend: 2%

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MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.

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Annual Interest Rate	N/A
Annual Principal Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period	53 days

Local Resident	HK$0
Foreigner	HK$0

Unionpay

UnionPay QuickPass
Apple Pay

Bank Promo

Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary: HK$240,000
Miles Conversion (local spend): HK$8 = 1 mile
Miles Conversion (overseas spend): HK$3 = 1 mile

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Bank Promo: 【Limited Offer! Buy the Big Hit Dyson Electronics】HK$1,500 Sogo coupon Valid till 16 Jul 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$360,000

Mastercard

Welcome Offer

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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Welcome Offer: Get up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000miles Valid till 31 Jul 2020.

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Annual Interest Rate	36.33%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	Varies. For more info, view T&C
Interest Free Period	Up to 60 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Mastercard

Mastercard contactless

MoneySmart Exclusive

Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary: HK$300,000
Cash back on local spend: 1％
Miles Conversion (local spend): $5 = 1 Mile

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MoneySmart Exclusive: HK$400 Cash coupon upon Card Approval Valid till 31 Jul 2020.

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Annual Interest Rate	36.07%
Annual Principal Fee	HK$2,200
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free Period	N/A

Local Resident	HK$300,000

Bank Promo

High cash rebates for designated categories

Citi Rewards MasterCard

Min. Annual Salary: HK$150,000
Cash back on local spend: 3.2%
Miles Conversion (local spend): $3 = 1 Mile

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Bank Promo: 【Limited Offer! Buy the Big Hit Dyson Electronics】HK$1,500 Sogo coupon Valid till 16 Jul 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Foreigner	HK$60,000

MoneySmart Exclusive

Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary: HK$240,000
Cash back on local spend: 2%
Cash back on overseas spend: 2%

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MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Mastercard

Bank Promo

Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary: HK$150,000
Cash back on local spend: 5%
Cash back on overseas spend: 5%

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Bank Promo: 【Summer Offer】Enjoy up to $3,450 Cash Dollars! Valid till 30 Aug 2020.

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Annual Interest Rate	34.97%
Annual Principal Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The Minimum Payment Amount is HK$300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii).
Interest Free Period	Up to 56 days

Local Resident	HK$150,000
Foreigner	HK$150,000

Mastercard

Welcome Offer

Get 20% discount at lookfantastic

Dah Sing ONE+ Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 1%
Cash back on overseas spend: 1%

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Welcome Offer: Get HK$800 cash rebate or Portable Air Purifier or up to HK$36,000 cash loan with no interest and handling fee with first 2-year annual fee waiver Valid till 30 Sep 2020.

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Annual Interest Rate	35.70%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	First 2-year
Minimum Monthly Repayment	(i) If the Monthly Statement Balance is HK$/RMB200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$/RMB200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$/RMB200, the minimum payment will be the Monthly Statement Balance
Interest Free Period	Up to 60 days

Local Resident	HK$150,000

Mastercard

Mastercard contactless

MoneySmart Exclusive

Unlimited 1.2% Cashback

Blue Cash℠ Credit Card from American Express

Min. Annual Salary: HK$150,000
Cash back on local spend: 1.2%
Cash back on overseas spend: 1.2%

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MoneySmart Exclusive: HK$200 Cashback and HK$150 cash coupon upon Card Approval, Successfully applied through MoneySmart: Extra HK$150 cash Coupon Valid till 31 Jul 2020.

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Annual Interest Rate	37.68%
Annual Principal Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.

Local Resident	HK$150,000
Foreigner	HK$150,000

Hang Seng Platinum UnionPay Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 4%
Miles Conversion (local spend): N/A

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Annual Interest Rate	38.37%
Annual Principal Fee	HK$1,500
Fee Waiver
Minimum Monthly Repayment	"The Minimum Payment Amount is HKD300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii)."
Interest Free Period	Up to 56 days

Local Resident	HK$150,000

Unionpay

MoneySmart Exclusive

Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary: HK$150,000
Miles Conversion (local spend): HK$8 = 1 Mile
Miles Conversion (overseas spend): HK$0.1875 = 1 Mile

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MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 31 Jul 2020.

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Welcome Offer

As low as HK$1=1 Avios for welcome offer

Dah Sing British Airways Platinum Card

Min. Annual Salary: HK$150,000
Miles Conversion (local spend): HK$6 = 1 Avios
Miles Conversion (overseas spend): HK$0.25 = 1 Avios

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Welcome Offer: up to 100,000 Avios/ Supplementary Card 1,000 Avios Offer Valid till 31 Dec 2020.

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Welcome Offer

8% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary: HK$100,000
Cash back on local spend: 1％
Miles Conversion (local spend): HK$10 = 1 Mile

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Welcome Offer: Get up to HK$400 “InstaRedeem” Amount or Le Maurice® Suitcase or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers Valid till 31 Jul 2020.

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Enjoy HK$0.3=1 mile on ANA ticket purchase

Dah Sing ANA World Mastercard

Min. Annual Salary: HK$150,000
Miles Conversion (local spend): HK$8 = 1 Mile
Miles Conversion (overseas spend): HK$8 = 1 Mile

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MoneySmart Exclusive

Enjoy premium travel offers

The Platinum Card

Min. Annual Salary: HK$1,000,000
Cash back on local spend: N/A
Miles Conversion (local spend): N/A

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MoneySmart Exclusive: HK$1,500 Cova Gift Card! Valid till 31 Jul 2020.

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MoneySmart Exclusive

Up to 15% bus fare rebate

Citi Octopus Platinum Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.5%
Miles Conversion (local spend): N/A

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MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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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.

Annual Interest Rate	N/A
Annual Principal Fee	HK$7,800
Supplementary Annual Fee	complimentary 2 supplementary cards
Fee Waiver
Minimum Monthly Repayment	N/A

Credit Card	Minimum Salary	Annual Fee
Standard Chartered Simply Cash Credit Card	HK$96,000	HK$1,800
Citi Rewards Visa Card	HK$150,000	HK$1,800
Hang Seng enJoy Card	HK$150,000	HK$0
Standard Chartered Asia Miles Mastercard	HK$96,000	HK$1,800
Hang Seng MPOWER Card	HK$150,000	HK$0
DBS Black World Mastercard	HK$240,000	HK$2,000
American Express Cathay Pacific Elite Credit Card	HK$300,000	HK$1,800
BEA Flyer World Mastercard	HK$240,000	HK$1,800
American Express Platinum Credit Card	HK$300,000	HK$2,200
WeWa UnionPay Card	HK$0	HK$800
EarnMORE UnionPay Card	HK$0	HK$800
Citi Cash Back Visa Card	HK$240,000	HK$1,800
AEON Card JAL	HK$0	HK$480
HSBC Red Card	HK$120,000	HK$0
DBS COMPASS VISA	HK$100,000	HK$1,800

Best Credit Cards in Hong Kong

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Standard Chartered Simply Cash Visa Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

WeWa UnionPay Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

American Express Cathay Pacific Elite Credit Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Standard Chartered Asia Miles Mastercard

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

EarnMORE UnionPay Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi PremierMiles Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

DBS Black World Mastercard

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

American Express® Platinum Credit Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Rewards MasterCard

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Citi Cash Back Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Hang Seng MPOWER CARD

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Dah Sing ONE+ Credit Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Blue Cash℠ Credit Card from American Express

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Hang Seng Platinum UnionPay Card

Key Features