Best Credit Cards with Annual Fee Waiver in Hong Kong

【🚨Apple Fans Alert: HK$200 Cash on Approval + Enjoy Up to HK$4,088 rewards + Chance to Win HK$10,000 Apple Store Gift Card!】
From now to 15 September 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$200 Cash (deposited directly into your FPS account) + Trip.com 8% Hotel Discount Code + HK$100 Flight Discount Code / HK$100 Buy&Ship Cash Voucher, fulfilled by MoneySmart;
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,000 Apple Store Gift Card / 2x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Value: HK$2,300) / Beyerdynamic Amiron 300 True Wireless ANC Earphones (Value: HK$2,299)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$1,800 Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910DG/90 (Grey) (Value: HK$3,388) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); 🔥Customers ranked 101st–200th who successfully activate their cards will also have a chance to win 🔥 an extra HK$10,000 Apple Store Gift Card^!
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3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the "MOXFLASHMS2" / "MOXFLASHMS3" /"MOXPHONEMS"invitation code promotion.^1 quota, redemption code will be distributed by Mox randomly.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.

⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 October 2026) can receive one of the following rewards:
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 2 x AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.

【⚡Limited-Time Welcome Offer Boost: Earn Up to $850 RewardCash + Enjoy Up to 12% Rebate on Apple Spending 🚀】
From now until 30 November 2026, new credit card customers who successfully apply for the HSBC Red Credit Card via MoneySmart using promo code “HSBCRED” during the Promotion Period and accumulate eligible spending of HK$12,000 within the first 60 calendar days after card issuance can enjoy a total of up to $650 RewardCash. Successfully apply for the “Cash Instalment Plan” to earn an additional $200 RewardCash!
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【🍎Apple Exclusive】Earn Up to an Extra $1,150 RewardCash!
From 10 September to 13 November 2026, spend with your HSBC Red Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to enjoy:
・Cumulative eligible spending of HK$5,000 or above: Enjoy an extra 6% RewardCash rebate (up to $350 RewardCash during the entire Promotion Period); and
・Successfully apply for the “Spending Instalment Plan”: Enjoy an extra 2% RewardCash rebate (up to $400 RewardCash); and
・Spend at the Apple Store Online or via the Apple Store App: Earn 4% RewardCash on online spending!
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Terms and conditions apply.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.

【Upgrade Your New Phone with MMPOWER📱 — Earn Up to HK$3,700 Rewards / HK$1,000 Vouchers by Spending HK$100!】
Planning to upgrade your phone this September? From now until 30 September 2026, new and existing credit card customers who successfully apply for the Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate HK$100 in eligible retail spending within 30 days after card issuance can enjoy one of the following rewards:

🎁 New Customers can enjoy one of the rewards below:
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers or
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700, random color) or
・4 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total Value: HK$2,600) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
*Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. HKG bonus: choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!

✨ Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)

Together with the Hang Seng welcome offer of up to $700 and monthly rebate of up to $500, eligible customers can enjoy a total rebate value of up to $2,200 — perfect for buying a new phone, phone accessories or tech gadgets!

⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 October 2026) can receive one of the following rewards:
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 2 x AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.

【Unlimited CashBack all year-round - Get welcome offer of up to HK$1,499 Rewards!🎁】
From now until 30 September 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, will get one of the following gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・Acer Acerpure Chef Chef 2 in 1 Filp Air Fryer (KF754-7AB) (Value: HK$1,298, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers

✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 Sep 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below

【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】

From now until 20 September 2026, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and fulfil the spending requirement within the first 3 months can earn up to 26,000 miles—enough to redeem a round-trip flight to Japan ✈️ Plus an additional HK$500 statement credit upon completing their first transaction within 3 months after card issuance and HK$50 statement credit for a single HK$600 Octopus top-up.

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🌟 Spend HK$8,000 to earn 8,000 miles — that’s just HK$1 per mile!

Spend a total of HK$30,000 to earn 468,000 Membership Rewards points, equivalent to 26,000 miles.

Terms and conditions apply.

Promotion valid until 20 September 2026

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Refer a friend and get a rewarded — For every successful referral of a New Cardmember, to earn 108,000 Membership Rewards points as referral bonus equivalent to 6,000 miles.

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🤩 Ready to Fly Further for Less? Supercharged earning rates:
Year-Round Exclusive Offer with no minimum spending requirement! Earn HK$3=1 mile on eligible local transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!  

【🌟September Exclusive: Apply to Earn HK$800 Cash Vouchers】
From now until 30 September 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・Acer Acerpure Chef Chef 2 in 1 Filp Air Fryer (KF754-7AB) (Value: HK$1,298, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers

🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 30 September 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/ Apple/ Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below

【🌟No Spend Required: MoneySmart Gift + Up to 120,000 Miles + Surprise Blind Box Lucky Draw!】
From now until 30 September 2026, new Standard Chartered cardholders who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy all three of the following upon card approval:
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1️⃣ 〖🎁MoneySmart Exclusive Gift〗 No spend required, choose one gift upon card approval:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color)
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total Value: HK$2,300) *Valid until 14 July 2027
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / PARKnSHOP e-Vouchers
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2️⃣〖SCB Welcome Miles〗Spend the designated amount within the first 2 months of card issuance and earn up to 120,000 Asia Miles!
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3️⃣〖🍀Surprise Blind Box Lucky Draw - Valid till 9.20〗No registration needed! Get one automatic lucky draw entry upon successful card approval. Win a minimum of 2,000 bonus miles, up to a maximum of 1,000,000 miles - enough to redeem 4 x Business Class Round-trip Tickets to both Europe and 4 x Business Class Round-trip Tickets to Japan*! Plus, Apple Store gift cards or 10,000+ prizes - everyone wins a reward!
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Terms & Conditions apply.

⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 October 2026) can receive one of the following rewards:
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 2 x AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
⠀⠀

Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
⠀⠀

＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀

【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
⠀⠀

〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
⠀⠀

Visit the campaign page for details. T&Cs apply.

【🚨Apple Fans Alert: HK$200 Cash on Approval + Enjoy Up to HK$4,088 rewards + Chance to Win HK$10,000 Apple Store Gift Card!】
From now to 15 September 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$200 Cash (deposited directly into your FPS account) + Trip.com 8% Hotel Discount Code + HK$100 Flight Discount Code / HK$100 Buy&Ship Cash Voucher, fulfilled by MoneySmart;
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,000 Apple Store Gift Card / 2x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Value: HK$2,300) / Beyerdynamic Amiron 300 True Wireless ANC Earphones (Value: HK$2,299)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$1,800 Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910DG/90 (Grey) (Value: HK$3,388) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); 🔥Customers ranked 101st–200th who successfully activate their cards will also have a chance to win 🔥 an extra HK$10,000 Apple Store Gift Card^!
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3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the "MOXFLASHMS2" / "MOXFLASHMS3" /"MOXPHONEMS"invitation code promotion.^1 quota, redemption code will be distributed by Mox randomly.
⠀⠀

【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.

🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 30 September 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/ Apple/ Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below

⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 October 2026) can receive one of the following rewards:
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 2 x AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
⠀⠀

Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
⠀⠀

＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀

【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
⠀⠀

〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
⠀⠀

Visit the campaign page for details. T&Cs apply.

【🌟No Spend Required: MoneySmart Gift + Up to 120,000 Miles + Surprise Blind Box Lucky Draw!】
From now until 30 September 2026, new Standard Chartered cardholders who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy all three of the following upon card approval:
⠀⠀⠀⠀

1️⃣ 〖🎁MoneySmart Exclusive Gift〗 No spend required, choose one gift upon card approval:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color)
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total Value: HK$2,300) *Valid until 14 July 2027
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / PARKnSHOP e-Vouchers
⠀⠀

2️⃣〖SCB Welcome Miles〗Spend the designated amount within the first 2 months of card issuance and earn up to 120,000 Asia Miles!
⠀⠀

3️⃣〖🍀Surprise Blind Box Lucky Draw - Valid till 9.20〗No registration needed! Get one automatic lucky draw entry upon successful card approval. Win a minimum of 2,000 bonus miles, up to a maximum of 1,000,000 miles - enough to redeem 4 x Business Class Round-trip Tickets to both Europe and 4 x Business Class Round-trip Tickets to Japan*! Plus, Apple Store gift cards or 10,000+ prizes - everyone wins a reward!
⠀⠀

Terms & Conditions apply.

【🌟No Spend Required: MoneySmart Gift + Up to 120,000 Miles + Surprise Blind Box Lucky Draw!】
From now until 30 September 2026, new Standard Chartered cardholders who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy all three of the following upon card approval:
⠀⠀⠀⠀

1️⃣ 〖🎁MoneySmart Exclusive Gift〗 No spend required, choose one gift upon card approval:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color)
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total Value: HK$2,300) *Valid until 14 July 2027
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / PARKnSHOP e-Vouchers
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2️⃣〖SCB Welcome Miles〗Spend the designated amount within the first 2 months of card issuance and earn up to 120,000 Asia Miles!
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3️⃣〖🍀Surprise Blind Box Lucky Draw - Valid till 9.20〗No registration needed! Get one automatic lucky draw entry upon successful card approval. Win a minimum of 2,000 bonus miles, up to a maximum of 1,000,000 miles - enough to redeem 4 x Business Class Round-trip Tickets to both Europe and 4 x Business Class Round-trip Tickets to Japan*! Plus, Apple Store gift cards or 10,000+ prizes - everyone wins a reward!
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Terms & Conditions apply.

✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 Sep 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below