中文

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
Filters
Refine Your Results
Promotions
Card Association
Credit Card Features
Reset Filter
Financial Institutions
We found 65 Credit Cards for you!
Recommended
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack
Promotion ends in 2 days

Mox Credit Card (Cashback)

Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
Up to HKD4,288 rewards
Banner
Valid until 20 Aug 2025 - See more details below
Apply Now
Apply Now
promotion banner image
promotion banner image
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate

Citi Cash Back Card

Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%
banner
Valid until 31 Aug 2025 - See more details below
Apply Now
Apply Now
promotion banner image
promotion banner image
The Platinum Card
Special Promotion
Family Travel Cover | 0% Cross Border Fee

The Platinum Card

Discount at Expedia/Hotels.com/Trip.com
8%
Discount at Agoda
Up to 7%
Discount at designated restaurants
40%
【🔥MoneySmart Exclusive: HK$3,500 CASH or New Premium Gifts Await!】
From now until 17 August 2025, apply for the Platinum Card and fulfil spending of HK$15,000 within the first 2 months, indulge in ONE of the Premium Gifts and Cash below. Hurry, this limited-time rewards awaits!
1. 🤑 HK$3,500 Cash (automatically converted by 35,000 SmartPoints and will directly deposit into your FPS account)
2. PHILIPS ADD6921DG/90 RO Water Dispenser with instant heating and cooling (Value: HK$5,488) or
3. 🆕 Dyson Airwrap™ Multi-styler (Value: HK$4,480) or
4. Insta360 X5 Flagship 8K 360º Action Camera (Standard Bundle) (Value: HK$4,099) or
5. HK$3,500 Apple Store Gift Card
⠀⠀
Terms & Conditions Apply.
Valid until 31 Aug 2025 - See more details below
Apply Now
Mox Credit Card (Miles)
Special Promotion
Upgraded Offer｜Best-in-town Asia Miles rewards

Mox Credit Card (Miles)

Miles Conversion
HKD4 = 1 mile
Foreign Transaction Fee
0%
MoneySmart exclusive welcome offer
Up to 52,000 miles + HKD2,300 rewards
HKD1,000 Cash
Valid until 03 Sep 2025 - See more details below
Apply Now
Standard Chartered Smart Card
Up to 5% rebate｜Waive foreign exchange fee

Standard Chartered Smart Card

Cash back on spending at Klook
Up to 5%
Cash back at Designated Merchants
Up to 5%
MoneySmart Exclusive Offer
HK$2,798
Apply Now
Citi PremierMiles Card
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Miles Conversion (local spend)
HK$8 = 1 mile
Miles Conversion (overseas spend)
HK$3 = 1 mile
Apply Now
HSBC Red Credit Card

HSBC Red Credit Card

Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Designated spending categories RewardCash Rebate
1%
Apply Now
Standard Chartered Cathay Mastercard
Special Promotion

Standard Chartered Cathay Mastercard

Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
MoneySmart Exclusive Offer
Up to HK$1,780
【 ✈️ Beyond Miles: Get HK$900 Cash or a Top Brand Suitcase - No spending required!】
Valid until 03 Sep 2025 - See more details below
Apply Now
American Express Explorer® Credit Card
Special Promotion
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
Expedia/Hotels.com/Trip.com/agoda 折扣優惠
7-8%
【✈️Top Pick for Beginners in Miles: Earn 1,000 Miles + HK$200 Rebate Instantly】
From now until Aug 31, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and make their first transaction within 3 months can enjoy 18,000 Membership Rewards® points + [Limited Time Offer] HK$200 statement credit. Spend HK$7,000 to earn a total of 126,000 Membership Rewards points, equivalent to 7,000 miles + [Limited Time Offer] up to HK$520 travel insurance welcome reward! That’s enough to fully cover the Greater Bay Area Annual Travel Insurance (Basic Plan)! If you aren’t a frequent mainland traveler, you may choose to upgrade to the worldwide annual travel insurance!
🌟Spend HK$7,000, Earn 8,000 miles - just HK$0,875/ mile + HK$720 Statement Credit!

Ready to Fly Further for Less? Supercharged earning rates:
During the welcome period, earn HK$3=1 mile on eligible local transactions, up to 1,152,000 Points, enough to redeem for 64,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!
Valid until 31 Aug 2025 - See more details below
Apply Now
Hang Seng enJoy Card
Special Promotion
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 120,000 yuu Points
Apply and redeem any of these rewards
【Make Every Grocery Trip Count】
Valid until 31 Dec 2025 - See more details below
Apply Now
DBS Black World Mastercard
Special Promotion
Redeem various mileage points without any fee

DBS Black World Mastercard

Welcome Offer
Up to 32,000 miles
Upon meeting overseas spending goal*
HK$2/mile
Octopus Card AAVS Rebate
2,000 miles
Apply and redeem any of these rewards
【⚡️Unleash Your Wanderlust: HK$500 vouchers & Awesome Extras Await!】
Valid until 02 Oct 2025 - See more details below
Apply Now
HSBC EveryMile Credit Card
Special Promotion

HSBC EveryMile Credit Card

Local and oversea spending
As low as HK$2 = 1 Mile
Minimum Annual Income
HK$240,000
Welcome Offer
Up to $1,000 RewardCash
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
Valid until 31 Aug 2025 - See more details below
Apply Now
WeWa Visa Signature Card
Special Promotion

WeWa Visa Signature Card

Mobile Payment
Up to 4%
Annual Fee
First 2 year annual fee waiver
Specific Fun Category
Up to 4%
Apply and redeem any of these rewards
【Enjoy Extra 2,000 SmartPoints with NO Spending Required】
Valid until 31 Aug 2025 - See more details below
Apply Now
Hang Seng MMPOWER World Mastercard®
Special Promotion
Get up to 6% +FUN Dollars on overseas spending

Hang Seng MMPOWER World Mastercard®

Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on Overseas foreign currencies spending
Up to 6%
+FUN Dollars rebate on Online Retail Transaction
Up to 5%
Apply and redeem any of these rewards
【📱Earn 5% +FUN Dollar Rebate & Welcome Perks with Your NEW PHONE Purchase!】
Valid until 31 Dec 2025 - See more details below
Apply Now
sim World Mastercard®️
Special Promotion
Up to 8% cashback on online retail transactions*

sim World Mastercard®️

Cashback on Online Retail Transactions and Overseas Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000
【Spend HK$100, Get HK$300 – Grab 3X Cash Rebate🤑】
Valid until 31 Aug 2025 - See more details below
Apply NowApply directly on MoneySmart
EarnMORE UnionPay Diamond Card
Special Promotion
Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply and redeem any of these rewards
【Enjoy Extra 2,000 SmartPoints with NO Spending Required】
Valid until 31 Aug 2025 - See more details below
Apply Now
Hang Seng Travel+ Visa Signature Card
Special Promotion
Overseas Spending up to 7% Reward

Hang Seng Travel+ Visa Signature Card

Annual Fee
Perceptual Annual Fee Waiver
+FUN Dollars Rebate on Foreign Currency Spending
Up to 7%
+FUN Dollars Rebate on Local Dining & Transportation Spending
Up to 5%
Apply and redeem any of these rewards
【Enjoy an extra 3,000 SmartPoints 】
Valid until 31 Dec 2025 - See more details below
Apply Now
HSBC Visa Gold Card for Students
Special Promotion
Up to $300 RewardCash welcome offer

HSBC Visa Gold Card for Students

RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
【👨🏻‍🎓 Calling All Students: Earn up to $500 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for HSBC Visa Gold Card for Students, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $300 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
Valid until 31 Mar 2026 - See more details below
Apply NowApply directly on MoneySmart
HSBC Visa Signature Card
Special Promotion

HSBC Visa Signature Card

Min. Annual Salary
HK$240,000
RewardCash Rebate
Up to 3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
Valid until 31 Aug 2025 - See more details below
Apply Now
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
Special Promotion

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
【Limited-time Welcome Offer: Up to $1,280 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an HSBC Pulse UnionPay Dual Diamond Credit Card via MoneySmart, and meet the specified spending requirement and other requirements, can enjoy up to $1,280 Reward Cash!
1️⃣ $800 RewardCash upon making a respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance
2️⃣ [⚡️limited-time!] Up to 20% RewardCash for QR code payment, totalling up to $280 Reward Cash
3️⃣  $200 RewardCash for new credit card customers who successfully apply for the Spending Instalment Plan
Valid until 31 Aug 2025 - See more details below
Apply Now

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

Credit CardMinimum SalaryAnnual Fee
Standard Chartered Smart CardHK$96,000HK$0
Standard Chartered Asia Miles MastercardHK$96,000HK$1,800
Hang Seng MMPOWER CardHK$150,000HK$0
DBS Black World MastercardHK$240,000HK$2,000
American Express Platinum Credit CardHK$300,000HK$2,200
WeWa UnionPay CardHK$0HK$800
EarnMORE UnionPay CardHK$0HK$800
HSBC Red CardHK$120,000HK$0

HK Credit Card Offers

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.

background image

Compare Credit Cards in Hong Kong

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.

background image

Credit Card Recommendations

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

Our customer reviews on applying credit cards through MoneySmart

Looking to apply a credit card? Check out what our customers say about their experience of applying credit cards through MoneySmart (from Google Reviews)

⭐️⭐️⭐️⭐️⭐️

Successfully applied for a credit card and successfully received the application gift.
As seen on Google

⭐️⭐️⭐️⭐️⭐️

Customer service is good, timely response, helpful. Great experience with MoneySmart. Will continue to apply credit card through MoneySmart in the future.
As seen on Google

⭐️⭐️⭐️⭐️⭐️

Speedy turnaround time, problem promptly resolved.
As seen on Google

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!