Best Bill Payment Credit Cards in Hong Kong 2020

We found 13 Credit Cards for you!

MoneySmart Exclusive

Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary: ^HK$96,000
Rewards on local spend: 1.5%
Maximum rewards on bill payment: 1.5%

MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 31 Aug 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

MoneySmart Exclusive

Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary: ^HK$240,000
Rewards on local spend: 2%
Maximum rewards on bill payment: 1%

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

MoneySmart Exclusive

High cash rebates for designated categories

Citi Rewards MasterCard

Min. Annual Salary: ^HK$150,000
Rewards on local spend: 3.2%
Maximum rewards on bill payment: HK$3 = 1 mile

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
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Foreigner	HK$60,000

Bank Promo

Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary: ^HK$150,000
Rewards on local spend: 5%
Maximum rewards on bill payment: 0.4%

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

MoneySmart Exclusive

Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary: ^HK$240,000
Rewards on local spend: HK$8 = 1 mile
Maximum rewards on bill payment: HK$8 = 1 mile

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

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More Details

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

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
Rewards on local spend: HK$4 = 1 mile
Maximum rewards on bill payment: HK$4 = 1 mile

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

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More Details

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

Complimentary 4th night free at any hotel

Citi Prestige Card

Min. Annual Salary: ^HK$600,000
Rewards on local spend: HK$6 = 1 mile
Maximum rewards on bill payment: HK$6 = 1 mile

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$3,800
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$600,000
Foreigner	HK$600,000

Mastercard

Welcome Offer

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

Dah Sing British Airways Platinum Card

Min. Annual Salary: ^HK$150,000
Rewards on local spend: HK$6 = 1 Avios
Maximum rewards on bill payment: HK$6 = 1 Avios

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

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Annual Interest Rate	35.70%
Annual Principal Fee	HK$1,200
Supplementary Annual Fee	N/A
Fee Waiver	First 2-year
Minimum Monthly Repayment	(i) If the Monthly Statement Balance is HK$200 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$200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance
Interest Free Period	Up to 60 days

Local Resident	HK$150,000

Visa

Visa payWave

MoneySmart Exclusive

Up to 15% bus fare rebate

Citi Octopus Platinum Card

Min. Annual Salary: ^HK$150,000
Rewards on local spend: 0.5%
Maximum rewards on bill payment: 0.5%

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

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More Details

Annual Interest Rate	N/A
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of statement balance + fees. For more info, view T&C
Interest Free Period	58 days

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

Visa

Welcome Offer

Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary: ^HK$240,000
Rewards on local spend: HK$6 = 1 mile
Maximum rewards on bill payment: HK$6 = 1 mile

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

Welcome Offer

Get 20% discount at lookfantastic

Dah Sing ONE+ Credit Card

Min. Annual Salary: ^HK$150,000
Rewards on local spend: 1%
Maximum rewards on bill payment: 1%

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

Welcome Offer

8% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary: ^HK$100,000
Rewards on local spend: 1%
Maximum rewards on bill payment: 0.4%

Welcome Offer: Get up to HK$400 “InstaRedeem” Amount or LE MAURICE® CUBIX 28” ALUMINUM FRAME SUITCASE or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers 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
Minimum Monthly Repayment	N/A
Interest Free Period	1% of monthly balance + fees

Local Resident	HK$100,000
Foreigner	HK$100,000

Visa

Visa payWave

BEA Flyer World Mastercard

Min. Annual Salary: ^HK$240,000
Rewards on local spend: HK$5 = 1 mile
Maximum rewards on bill payment: HK$8 = 1 mile

More Details

Annual Interest Rate	36.43%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	Higher of HK$50 or 1% of monthly balance
Interest Free Period	56days

Local Resident	HK$240,000

Mastercard

Mastercard contactless

Credit Card	Rebates	Applicable For
DBS Black World Mastercard	HK$6 = 1 mile	Autopay
Citi Cash Back Card	1%	Autopay
Citi Rewards Mastercard	HK$3 = 1 mile or 3.2%	Autopay and pay in person
Hang Seng MPOWER Card	0.4%	Online ebanking
Standard Chartered Asia Miles Mastercard	HK$4 = 1 mile	AlipayHK
BEA Flyer World Mastercard	HK$8 = 1 mile	Autopay
Dah Sing ONE+ Credit Card	1%	Autopay and AlipayHK

Service Provider	Accepted Autopay Credit Cards	Best Credit Card for Autopay
CLP	BEA/ Bank of China/ BOC China Union Pay Dual Currency Credit Card/ Dah Sing Bank/ Citibank Credit Cards/ American Express Card	BEA Flyer World Mastercard: HK$8 = 1 mile
HK Electric	COMPASS VISA/ DBS/ Bank of China/ Chiyu Bank/ Nanyang Commercial Bank Credit Cards/ American Express Card	DBS Black World Mastercard: HK$6 = 1 mile
Towngas	BEA Towngas Card/ Citibank/ BOC Credit Cards/ American Express Card	Citi Cash Back Card: 1% cashback
Water Supplies Department	Does not support autopay	N.A.

Credit Card Rewards Limit

Different credit card providers will have specific terms and conditions. Therefore, it is important to understand the rewards limit, validity of points and whether supplementary cards can also get the same reward points as the primary credit card.

AlipayHK Daily Transfer Limit

The daily transfer limit of AlipayHK is HK$2,000. If your daily limit is exceeded, you might need to consider settling your bills using alternatives such as by online banking or in person.

Changes to Terms and Conditions

To be eligible for rewards, your transaction needs to be qualified. But credit card providers reserve the right to change these terms and conditions anytime without prior notice. Therefore, it is important to keep an eye on your monthly statement to see if you get the rewards you expect. You can also check the relevant terms and conditions upon application.

Utility Bill Payment Credit Cards: Earn Cash Rebates or Air Miles

Refine Your Results

Standard Chartered Simply Cash Visa Card

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Cash Back Card

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Citi Rewards MasterCard

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Hang Seng MPOWER CARD

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Citi PremierMiles Card

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Standard Chartered Asia Miles Mastercard

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Prestige Card

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Dah Sing British Airways Platinum Card

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Octopus Platinum Card

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

DBS Black World Mastercard

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Dah Sing ONE+ Credit Card

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

DBS COMPASS VISA

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

BEA Flyer World Mastercard

Bill Payment Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Selected Credit Cards for Utility and Phone Bills

Credit Card Autopay List

Points to Note When Settling Utility and Phone Bills with Credit Cards

Credit Card Rewards Limit

AlipayHK Daily Transfer Limit

Changes to Terms and Conditions

Water Supplies Department does not accept auto pay