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Best Digital Wallet Credit Cards in Hong Kong 2025

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! Read More
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We found 11 Credit Cards for you!
Recommended
DBS Black World Mastercard
MoneySmart Exclusive
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

【✈️Exclusive Rewards Alert! No Spending Required - Earn 5,000 Miles/ Top-rated Earbuds/ Smart Watch!】
From now until 30 June, customers who successfully apply for DBS Black World Mastercard via MoneySmart and get approved, can enjoy one of the following limited-time rewards - no spending required:
・10,000 SmartPoints, can fully redeem 🆕 5,000 Asia Miles / HK$1,000 cash vouchers OR
・⁠SONY WF-1000XM5 Earbuds (Value: HK$2,490) OR
・Garmin Forerunner 165 Smart Watch (Value: HK$2,299)
Plus, with DBS welcome offer, you can earn ⚡️up to 37,000 Miles or HK$1,000 cash vouchers + up to 32,000 Miles!

Valid until 30 Jun 2025 - See more details below
Apply Now
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EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

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🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,476 cash rewards】
MS Exclusive: From now until 30 June 2025, 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 customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$1,276**: [Limited-time!] extra HK$300 cash rebate + Welcome offer: 🆙 HK$976 cash rebate (included the extra up to 2% cash rebate)** or GoPro HERO 4K action camera (CHDHF-131) (Suggested price: HK$1,600) or Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (Suggested price: HK$2,198) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward fulfilled by PrimeCredit). Including MoneySmart exclusive offer, can earn up to HK$1,476 cash rewards!

Valid until 30 Jun 2025 - See more details below
Citi Rewards UnionPay Card
MoneySmart Exclusive
1% Points Rebate for all local Mobile Payments

Citi Rewards UnionPay Card

Minimum Income Requirements
HK$120,000
Cashback on shopping & entertainment transactions
8.1x
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

【🔥MoneySmart Exclusive: Own the Top-Rated Smartwatch, Stay for the Magic✨】
From now until 30 June 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn the limited-time hot item: [🌟4.5-Star Rated] Garmin Forerunner 165 Music GPS Smart Watch (Value: HK$2,699) or [🐭Newly added] 3 x Hong Kong International Theme Park 1-Day Ticket (General Admission) (Value: HK$2,007) or the exciting rewards below:
・[Limited-time] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 30 Jun 2025 - See more details below
Standard Chartered Smart Card
MoneySmart Exclusive
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

【🌟Double the Excitement: Apply now and get up to HK$HK$1,998 Rewards from MoneySmart!】
From now until 30 June 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998)
・OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・🆕 Momax 1-Home Vacuum+ Cordless Vacuum Cleaner (Value: HK$1,099)
・GHD Flight+ Travel Hair Dryer (Value: HK$895)
・HK$800 Apple Store Gift Card/ PARKnSHOP Supermarket Vouchers

Valid until 30 Jun 2025 - See more details below
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%

【🔥MoneySmart Exclusive: Own the Top-Rated Smartwatch, Stay for the Magic✨】
From now until 30 June 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn the limited-time hot item: [🌟4.5-Star Rated] Garmin Forerunner 165 Music GPS Smart Watch (Value: HK$2,699) or [🐭Newly added] 3 x Hong Kong International Theme Park 1-Day Ticket (General Admission) (Value: HK$2,007) or the exciting rewards below:
・[Limited-time] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 30 Jun 2025 - See more details below
Mox Credit Card (Miles)
MoneySmart Exclusive
Limited 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 16,000 miles / Up to 15,000 miles + HKD200 rewards

June Limited Offer: Earn up to 16,000 miles in total!
🛩 New customers can use the invitation code "MOXMSMILES"and spend HKD5,000 within 60 days can receive 5,000 miles. If you spend HKD15,000, You can receive extra 10,000 miles, in total you can earn up to 15,000 miles! Additionally, if you spend a total of HKD15,000, MoneySmart is exclusively giving you 2,000 SmartPoints! You can redeem 🆕 1,000 Asia Miles or HKD200 vouchers from the Rewards Store (with flexible combinations from over 20 brands, including Apple, HKTVmall and more)! *Subject to "MOXMSMILES"Invitation Code Promotion Terms & Conditions.

📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 30 Jun 2025 - See more details below
Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Miles Conversion (Digital Wallets)
HK$8/ mile
Cash back on digital wallets
N.A.

【🔥MoneySmart Exclusive: Own the Top-Rated Smartwatch, Stay for the Magic✨】
From now until 30 June 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn the limited-time hot item: [🌟4.5-Star Rated] Garmin Forerunner 165 Music GPS Smart Watch (Value: HK$2,699) or [🐭Newly added] 3 x Hong Kong International Theme Park 1-Day Ticket (General Admission) (Value: HK$2,007) or the exciting rewards below:
・[Limited-time] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 30 Jun 2025 - See more details below
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack

Mox Credit Card (Cashback)

Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
Up to HKD3,999 rewards

【June Exclusive: Instantly Get HKD200 on Approval + Low-Spend up to HK$3,999 Rewards!】
⭐️ Unlimited Cashback♾ From June 1 to June 30, new customers successfully open an account and apply for a Mox credit card with the invitation code "MOXMSSUMMER" can get HKD200 Cash. Spend HKD5,000 within 60 days, can enjoy 🔥 MoneySmart Exclusive Gifts below (choose 1 out of 6), worth up to HKD3,999:
1. 【⚡️Upgraded】HKD1,500 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
2.  BERMAS Front Opening Expandable Suitcase (26 inch) (Value: HKD3,999) or
3. Bang & Olufsen Beosound Explore Outdoor Bluetooth Speaker (Value: HKD1,998) or
4. PHILIPS ADD6901HWH01/90 RO Water Dispenser (Value: HKD1,998) or
5. B&W Pi6 In-ear True Wireless Earbuds (Value: HKD1,980)
*Subject to "MOXMSSUMMER" Invitation Code Promotion Terms and Conditions.

Valid until 30 Jun 2025 - See more details below
Apply Now
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Citi Rewards MasterCard
MoneySmart Exclusive
3% Points on Shopping and Entertainment

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Rebate on Shopping & Entertainment Transactions
8.1X points
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

【🔥MoneySmart Exclusive: Own the Top-Rated Smartwatch, Stay for the Magic✨】
From now until 30 June 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn the limited-time hot item: [🌟4.5-Star Rated] Garmin Forerunner 165 Music GPS Smart Watch (Value: HK$2,699) or [🐭Newly added] 3 x Hong Kong International Theme Park 1-Day Ticket (General Admission) (Value: HK$2,007) or the exciting rewards below:
・[Limited-time] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 30 Jun 2025 - See more details below
Apply NowApply directly on MoneySmart
Citi The Club

Citi The Club

Minimum Income Requirements
HK$120,000
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Citi Cash Back Card (Student)
Earn cashback from digital wallets

Citi Cash Back Card (Student)

N/A
N/A
N/A

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

Most banks except Citibank exclude digital wallet as eligible transactions for welcome offers. New customers applying for Citibank cards can enjoy welcome gifts with no costs simply by topping up digital wallets with below amount, and transfer the money back to the bank account:
  • 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
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Top Up Limit and Rewards of Digital Wallets

Digital WalletsMonthly Top Up Limit Monthly Rewards Limit*
PayMeHK$2,000333 miles / HK$20
AlipayHKHK$2,000333 miles / HK$20
WeChat Pay HKHK$1,000500 miles / HK$30
O! ePayHK$3,000166 miles / HK$10

*Calculated with the conversion rate HK$6/miles or 1% cashback

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 1

Step Blurb 1Download and install the apps from the Google Play Store/ App Store

Step 2

Register with a valid Facebook account/ mobile number

Step 3

Register with your personal details

Step 4

Read and agree to the T&C of the apps

Step 5

Create a password and verify your email address

Step 1

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.