Best Digital Wallet Credit Cards in Hong Kong 2026
Earn credit card rebates at no cost from digital wallets with digital wallet credit cards. Simply top up your e-wallet like PayMe or AlipayHK, and transfer the amount back to your bank account to earn air miles or cash back!
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We found 12 credit cards for you!
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【⚡️Unleash Your Wanderlust: 5,000 SmartPoints for Rewards of Your Choice!】
From now until 6 July 2026, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy 5,000 SmartPoints!
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With 5,000 SmartPoints can fully redeem HK$500 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)! Including bank welcome offer, you can enjoy up to HK$500 rewards, up to 32,000 miles or DAYCROWN - 28" Front-Opening suitcase (fulfilled by DBS)!
Valid till 06 Jul 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 July 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall 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
Valid till 31 Jul 2026
⚡【6-Day Flash Offer ✨ Upgraded Gifts or HK$2,200 Cash! Rewards Worth Up to HK$5,200 + Trip.com Promo Codes! 🎉】
From 1 July to 6 July 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 July 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 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
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 06 Jul 2026
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【July Flash Deal⚠️ Apply to Earn HK$1,500 Cash Vouchers / Up to HK$3,600 Rewards!】
From now until 10 July 2026, New Cardholders who successfully apply for Standard Chartered Smart Card via MoneySmart and get approved can enjoy one of the following rewards, with no spending required:
・Medicube Age-R Ultra Tune 40.68 Facial Beauty Device (Value: HK$3,600, random color)
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color)
・AirPods Pro 3 (Value: HK$1,849, random color)
・BRUNO Oval Hot Plate + Grill Set + Steamer Set (Value: HK$1,798, random color)
・HK$1,500 Apple Store Gift Card / ParknShop e-Vouchers / Trip.com e-Vouchers
＋Trip.com up to 8% Hotel Bookings 🏨 Promo Code + Trip.com up to HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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Plus, you can also earn SCB Welcome Offer: make Accumulated Eligible Transactions of HK$3,500 within the first month after card issuance can earn HK$1,000 CashBack (valid until 7.30)!
Valid till 10 Jul 2026
⚡【6-Day Flash Offer ✨ Upgraded Gifts or HK$2,200 Cash! Rewards Worth Up to HK$5,200 + Trip.com Promo Codes! 🎉】
From 1 July to 6 July 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 July 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 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
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 06 Jul 2026
[⚡️Within 60 days after card approval: unlimited HKD5 / mile + spend HKD10,000 and get 17,000 miles]
New customers can use the invitation code "MOXTRAVEL"and spend within 60 days after card approval can earn miles at rates as low as HKD5 per mile or earn unlimited 2% CashBack on all spending! Spend HKD10,000 and receive an additional 17,000 miles (inclusive of basic spending reward in the first 60 days)! If, within 7 days of account opening, you place HKD100,000 in a demand deposit and keep that balance for 60 days or more, you can get an extra 11,000 miles! Earn up to a total of 28,000 miles!
*Subject to the Mox Card welcome reward promotion terms and conditions.
📣“Best-in-town” Credit Card with instant miles reward – 0% FX Fees*
Introducing Mox Credit's Miles Rewards Scheme — No caps. No restrictions. Earn as Asia Miles as you spend
Valid till 31 Jul 2026
⚡【6-Day Flash Offer ✨ Upgraded Gifts or HK$2,200 Cash! Rewards Worth Up to HK$5,200 + Trip.com Promo Codes! 🎉】
From 1 July to 6 July 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 July 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 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
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 06 Jul 2026
🌟Limited-Time Offer【Spend HK$4,000 to Redeem Rewards Worth Up to HK$3,890 + HK$200 Cashback Upon Card Approval!】
New customers who successfully open a Mox account and apply for a Mox Credit Card via MoneySmart invitation code “2000MOXMS” can first enjoy:
1️⃣ 🏖️Trip.com 8% Hotel Bookings Promo Code + Trip.com HK$100 Flights Promo Code (fulfilled by MoneySmart), plus [⚡️limited-time until 7.31!] HKD200 cash rebate upon card approval (fulfilled by Mox);
2️⃣ Spend HK$4,000 within 60 days of card approval and choose ONE of the following rewards:
・DELSEY SHADOW 5.0 75 CM 4 Double Wheels Expandable Trolley — Suggested Retail Price: HK$3,890
・[🔥NEW!] Marshall Emberton II Portable Bluetooth Speaker — Black & Brass — Suggested Retail Price: HK$1,499
・[🔥NEW!] Apple AirPods 4 — Suggested Retail Price: HK$1,099
・Wellcome HK$1,000 E-Shopping Vouchers
(Fulfilled by Mox; rewards are limited and available on a first-come, first-served basis while stock lasts)
3️⃣ Deposit HKD100,000 or above into your current account within 7 days of account opening, maintain the balance for 60 days or more and have your Mox credit card approved to enjoy 💰 an additional HKD1,000 cash rebate!
*Subject to “2000MOXMS” Invitation Code Promotion Terms and Conditions.
Valid till 31 Jul 2026
⚡【6-Day Flash Offer ✨ Upgraded Gifts or HK$2,200 Cash! Rewards Worth Up to HK$5,200 + Trip.com Promo Codes! 🎉】
From 1 July to 6 July 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 July 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 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
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 06 Jul 2026
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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.
What is a Digital Wallet?
There is no lack of digital wallets in Hong Kong. Each of them is characterized by its own feature. Some such as PayMe provide P2P payment functions allowing users to make fund transfers while others such as Alipay HK and WeChat Pay HK provide additional functions like cross-border payment and bill payment, etc. Depending on your spending habits, some digital wallets may suit you better than others. MoneySmart has put together some information about digital wallets for you to understand their operations and the latest offers:
Which is the best Digital Wallets in Hong Kong?
There are 8 commonly used digital wallets in Hong Kong including PayMe, AlipayHK, WeChat Pay HK, BoC Pay, O! ePay, Tap and Go, UnionPay and TNG Wallet, each of them has its own unique benefits and functions:
PayMe
PayMe users don’t have to be an HSBC customer. Anyone with a Hong Kong selected bank account or a credit card can use PayMe to split the bills with friends easily in just a few taps with a mobile number no matter what local bank they are with. You can easily top up your PayMe account with a registered credit card or a bank account. What’s more, you can now pay participating merchants via PayMe in stores with the PayMe logo.
AlipayHK
AlipayHK is best for TaoBao and TMall frequent shoppers. Simply select Alipay HK in the payment method at the checkout to enjoy handling fee waiver. Besides, Alipay is a multi-functional mobile payment app, providing users with bill payment and cross-border payment service in over one million participating businesses across mainland China and Japan with a good exchange. What’s more, users can enjoy scanning ‘Quick Reward Code’ to get offers when travelling. Users can now top up through local stores, Standard Chartered Online Banking or coin carts.
WeChat Pay HK
WeChat Pay HK is the first mobile payment app allowing users to settle bills on the mainland with the Hong Kong dollar. Participating vendors include Didi Chuxing, Meituan-Dianping and railway ticketing platform 12306.cn. Purchases will be converted from RMB to HKD automatically on the app, where exchange rate quotes and automatic exchange services are available. Users can now top up through local stores, bank accounts or credit cards.
BoC Pay
BoC Pay is a multifunctional cross-border payment mobile application which enables P2P transfer function, QR code payment, bill payment and mobile payment function in the Greater Bay Area without a bank account on the mainland. Users don’t have to be BoC customers to use BoC Pay. As long as you are 18 years old with Hong Kong residency and a valid mobile number plus an email address, you can apply.
O! ePay
Octopus O! ePay is a multifunctional mobile payment app. Users can top up Octopus cards, make online purchases, and transfer funds within the apps. With O! ePay, users can manage up to 20 Octopus Cards. Users can also shop online with O! ePay Mastercard, which is a reloadable virtual Platinum prepaid card allowing users to shop globally at online merchants taking Mastercard. Users can top up an O! ePay account through Octopus card, local stores and fund transfers from Standard Chartered bank/credit card. Users can transfer funds between O!ePay and bank accounts.
Tap & Go
Tap and Go is Hong Kong's first prepaid mobile wallet incorporating both Mastercard® and UnionPay card schemes to provide payments online and at physical stores around the globe. Anyone who is 11 years old or above with Hong Kong, Macau or Mainland China mobile number can activate Tap and Go.
UnionPay
UnionPay mobile application is a one-stop mobile payment service. Users can enjoy mobile payment services in 48 countries and regions. Moreover, users can also pay simply by scanning UnionPay QR code In China alone, UnionPay QR code payment is widely accepted at over 16 million merchants.
TNG Wallet
TNG Wallet is a one-stop mobile payment app. It does not only provide person-to-person money transfer, merchant payment service but also enables users to handle foreign currency. Users can easily exchange foreign currencies and transfer money from TNG Wallet to designated countries such as the UK, Singapore and Hong Kong. Users can top up at 7-Eleven or Circle K or use a credit card or the online banking platform of participating banks such as Bank of China to top up.
Benefit of linking credit cards to digital wallets
Cardholders can connect your credit cards to digital wallets like PayMe, WeChat Pay and Alipay HK to earn extra rewards, air miles and cash rebate:
Earn Air Miles
Top up PayMe, Alipay and WeChat Pay HK with Citi Prestige Card, Citi PremierMiles Card, Standard Chartered Asia Miles Mastercard and DBS Black World MasterCard to get miles. Please be aware that the monthly PayMe top-up limit is HK$5,000 and each credit card caps the amount of miles cardholder can earn as listed above.
Earn Cashback
Top up PayMe e-wallet with Standard Chartered Simply Cash Visa Card and Citibank cards to enjoy cash rebate. Please be aware that the monthly PayMe top-up limit is HK$5,000 and each credit card caps the amount of cashback cardholder can earn as listed above.
Enjoy welcome offers at no cost
- Credit card monthly top-up limit for PayMe: HK$2,000
- Credit card monthly top-up limit for AlipayHK: HK$2,000
- Credit card monthly top-up limit for WeChat Pay: HK$1,000
Top Up Limit and Rewards of Digital Wallets
| Digital Wallets | Monthly Top Up Limit | Monthly Rewards Limit* |
|---|---|---|
| Digital WalletsPayMe | Monthly Top Up Limit HK$2,000 | Monthly Rewards Limit*333 miles / HK$20 |
| Digital WalletsAlipayHK | Monthly Top Up Limit HK$2,000 | Monthly Rewards Limit*333 miles / HK$20 |
| Digital Wallets WeChat Pay HK | Monthly Top Up Limit HK$1,000 | Monthly Rewards Limit*500 miles / HK$30 |
| Digital WalletsO! ePay | Monthly Top Up Limit HK$3,000 | Monthly Rewards Limit*166 miles / HK$10 |
How PayMe works & How to use it?
PayMe is a 'Digital Wallet', designed to easily pay back your friends and family and also get paid to a Hong Kong local bank account through the apps for free. You need to top up your PayMe account with a credit card or bank account to pay and you need to have a local bank account to get paid. To be eligible to use PayMe, you need to be at least 18 years old and hold a valid HKID and Visa/MasterCard.
To sign up for PayMe, you need to:
Step Blurb 1Download and install the apps from the Google Play Store/ App Store
Register with a valid Facebook account/ mobile number
Register with your personal details
Read and agree to the T&C of the apps
Create a password and verify your email address
Add a top-up source (For non HSBC customers, HKID details are required)
Digital Wallet FAQ
How can I enjoy digital wallet offers?
- Users can earn offers with digital wallets when spending at designated merchants. The rebate, in general, will be added to your account automatically within the apps. Some digital wallets will provide time-limited welcome offers as well such as AlipayHK and BoC Pay.
Can I use WeChat Pay or Alipay in China?
- Yes, you can. Both WeChat Pay and Alipay provide cross-border payment services, which allow users to pay purchases made in China with HKD.
Can I transfer money overseas with digital wallets?
- Yes. With a specific digital wallet such as TNG wallet, you can transfer money to specific countries such as Singapore, Canada and the UK.
How to earn rebates with digital wallets?
- Users can earn rebates with an eligible credit card. Simply top up your digital wallets such as PayMe with an eligible credit card, then transfer the top-up amount to your bank account. In this way, you can earn rebates at no cost. It’s slightly different for Alipay HK and WeChat Pay. It’s less direct. You have to bind your credit card and transfer funds to a friend of yours first. If he/she does the same, transferring the same amount of funds to you through the digital wallets, then it will cancel out the amount of money that you send to him or her. In this way, you can earn rebates without costing you anything.
How can I know if my cards can earn rebates in digital wallets?
- There is a wide range of credit cards providing rebates for digital wallets but credit card providers can change the terms and conditions at any point so you can also refer to MoneySmart website for the latest information. Depending on whether you would like to earn rebates or collect miles, you can consider using these credit cards with the highest top-up rebate including Citi Cash Back Card, Citi Prestige Card, Dah Sing British Airways Platinum Card and CCB Eye Card.
Which Digital Wallet is the best?
- There is no such thing as the best digital wallet, it all depends on your spending habits and which credit card you own. For example, if you are a frequent traveller to China, Alipay or Wechat Pay offers transaction functions in China with multiple merchant offers and promotions, which will give you more benefits than other digital wallets.
Can I earn rebates with all of the digital wallets?
- You can earn air miles or cash rebates by linking credit cards to most of the digital wallets, including Alipay, WeChat Pay, PayMe etc. However, not all digital wallets offer credit card rewards, take TNG wallet as an example, top-up with a credit card will cost you 2.5% of the total top-up amount as an administration fee, with no rebate rewards.
What is the difference between PayMe and FPS?
- PayMe e-wallet is an app launched by HSBC with a daily transfer limit of HK$5,000. It supports instant interbank fund transfer but it takes 2-3 days for transferring the balance of PayMe to HSBC/Hang Seng bank account. FPS is an interbank fund transfer system launched by the HKMA, which is directly linked to a bank account. The daily transfer limit is HK$10,000. It also supports instant interbank fund transfer. Registration through the bank required.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.