Best Credit Cards with Annual Fee Waiver in Hong Kong

FAQ

What is the HSBC customer service hotline for credit card annual fee waiver?

You can call HSBC Credit Card Customer Service Hotline at +852 2233 3000 to try getting your credit card annual fee waived.

How to waive DBS credit card annual fee?

You can call DBS Credit Card Customer Service Hotline at +852 2290 8345 to request an annual fee waiver.

What should applicants be aware of when applying for credit cards with perpetual annual fee waivers?

Applicant should check if the annual fee waivers apply to all applicants and whether it is applicable to both principal and supplementary cardholders. For example, Standard Chartered Simply Cash only offers a perpetual annual fee waiver to holders of priority banking/premium banking/bonus payroll. Moreover, it is only exclusive for principal cardholders. In other words, if you would like to apply for a supplementary card, you will need to pay for the annual fee for the extra card.

Do I have to pay an annual fee even if I don’t use the credit card anymore?

Yes, the annual fee will be charged regardless of the credit card activity, but you may ask the credit card issuer to see if you can apply for a credit card annual fee waiver, or you may also consider cancelling your credit card if you no longer use its benefits.

What is the definition of a new customer when applying credit cards?

Most of the credit cards only offer an annual fee waiver to new customers, but different banks have their own definition for a new customer. Take Citibank as an example, customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months will be considered as a new customer, but for Standard Chartered, applicants who do not currently hold and have not cancelled any principal card of Standard Chartered credit card in the past 6 months will be eligible to get the new customer offer.