We found 21 Credit Cards for you!
- Min. Annual Salary
- HK$240,000
- Miles Conversion (Dining)
- $8 = 1 Mile
- Cash back on dining
- 3.2%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Promotions
- Welcome offer up to 9,000 Miles (108,000 Points) Or Afternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate
Dining Features
- Redeem designated cash coupons (McDonald's, Pizza Hut, Starbucks)
- 250 Points = Instantly offset HK$1 spending
- Enjoy 5% off selected regular priced Wines, Spirits, Sake and Fruit Liqueur at Liquid Gold
- 10% off lunch and dinner buffet at the Food Gallery, the Langham Hong Kong
- 10% off regular-priced white and red wines (excludes Bordeaux wine) at Watson's Wine
- 8% off on ice-cream cakes at Haagen-Dazs in Hong Kong
Annual Interest Rate and Fees
| 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 |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$360,000 |
Card Association
| Mastercard |
|---|
MoneySmart Exclusive
- Min. Annual Salary
- HK$1,000,000
- Miles Conversion (Dining)
- $7.5 = 1 Mile
- Cash back on dining
- N/A
MoneySmart Exclusive: HK$600 Cash coupon upon Card Approval Valid till 30 Jun 2020.
Dining Features
- Dining Concepts privileges: up to 30% savings at participating restaurants, Buy-1-Get-1-Free on first drink at participating bars, complimentary coffee upon spending HK$60 or above on takeaway items at participating outlets
- 50% savings on evening dining from the à la carte menu when spending HK$1,200 or above at selected restaurants of Sino Hotels
Annual Interest Rate and Fees
| Annual Interest Rate | N/A |
|---|---|
| Annual Principal Fee | HK$7,800 |
| Supplementary Annual Fee | complimentary 2 supplementary cards |
| Fee Waiver | |
| Minimum Monthly Repayment | N/A |
Minimum Income Requirements
| Local Resident | HK$1,000,000 |
|---|---|
| Foreigner | HK$1,000,000 |
Card Association
MoneySmart Exclusive
- Min. Annual Salary
- HK$300,000
- Miles Conversion (Dining)
- $6 = 1 Mile
- Cash back on dining
- N/A
MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 30 Jun 2020.
Dining Features
- Enjoy a wide range of year-round hotel dining offers
- 30% savings on Café 8 Degrees at Harbour Plaza 8 Degrees
- 10% off 2+2 café at Royal Park Hotel
- 12% off Alibi - Wine Dine Be Social at Cordis, Hong Kong
- 10% savings on Alto 88 at Regal Hong Kong Hotel
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit |
Minimum Income Requirements
| Local Resident | HK$300,000 |
|---|---|
| Foreigner | HK$300,000 |
Card Association
Wireless Payment
MoneySmart Exclusive
- Min. Annual Salary
- HK$150,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 1.2%
MoneySmart Exclusive: HK$200 Cashback upon Card Approval, Successfully applied through MoneySmart: Extra HK$150 cash Coupon Valid till 30 Jun 2020.
Dining Features
- Free size upgrade on handcrafted beverages at Pacific Coffee
- Enjoy year-round dining offers from restaurants such as Al Molo Ristorante Italiano and Ruby Tuesday
- 30% savings on Café 8 Degrees at Harbour Plaza 8 Degrees
- 10% off 2+2 café at Royal Park Hotel
Annual Interest Rate and Fees
| Annual Interest Rate | 37.68% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
Wireless Payment
- Min. Annual Salary
- HK$240,000
- Miles Conversion (Dining)
- N.A.
- Cash back on dining
- 2%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Promotions
- Welcome offer up to HK$1,000 cash rebate Or Afternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate
Dining Features
- 2% cash rebate on local dining spending
- 2% cash rebate on local hotel spending
- Enjoy 10% off lunch and dinner buffets and a la carte food items at The Food Gallery, The Langham, Hong Kong
- Enjoy complimentary medium drink upgrade at McCafe
- Enjoy 12% off all buffets and a la carte food and beverages at The Place, Cordis, Hong Kong
Annual Interest Rate and Fees
| 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 |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
Card Association
| Mastercard |
|---|
- Min. Annual Salary
- HK$0
- Miles Conversion (Dining)
- HK$6 = 1 Mile
- Cash back on dining
- N.A.
Welcome Offer: Up to 2% spending rebate, earn extra 5,000 mileage if onboard JAL International flights within promotion period Valid till 31 Dec 2020.
Dining Features
- HK$6 = 1 JMB mile for spending on local dining and overseas spending in Japan category
- Applicable to the restaurants, fast foods and hotels in Hong Kong
Annual Interest Rate and Fees
| Annual Interest Rate | 31.59% |
|---|---|
| Annual Principal Fee | HK$480 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Annual fee will be waived if yearly credit purchase spending reach HK$30,000 |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
Minimum Income Requirements
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
MoneySmart Exclusive
- Min. Annual Salary
- HK$300,000
- Miles Conversion (Dining)
- $5 = 1 Mile
- Cash back on dining
- 1％
MoneySmart Exclusive: HK$400 Cash coupon upon Card Approval Valid till 30 Jun 2020.
Dining Features
- Gourmet Club membership with up to 50% savings on the a la carte dinner menu at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group
- Extra 10 Membership Rewards points for every HK$1 spent at restaurants in Hong Kong Parkview
- 10% savings on buffet and à la carte food menu at Cafe - Hyatt Regency Hong Kong, Sha Tin
- 10% savings on à la carte food and beverages at BLT Steak
- 30% Savings on food and beverages at Ruby Tuesday
Annual Interest Rate and Fees
| Annual Interest Rate | 36.07% |
|---|---|
| Annual Principal Fee | HK$2,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
| Interest Free Period | N/A |
Minimum Income Requirements
| Local Resident | HK$300,000 |
|---|
Card Association
Wireless Payment
- Min. Annual Salary
- HK$150,000
- Miles Conversion (Dining)
- $3 = 1 Mile
- Cash back on dining
- 0.4%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Dining Features
- Offset dining spending anytime with Citi Pay with Points (250 Points = offset HK$1 spending)
- 10% off a la carte menu at Mamasan Kitchen Bar & Lounge
- Points are redeemable for cash coupons for popular dining spots and cafes in Hong Kong
- 12,500 Points = HK$50 Starbucks Card or HK$50 Haagan Dazs gift voucher
Annual Interest Rate and Fees
| 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 |
Minimum Income Requirements
| Foreigner | HK$60,000 |
|---|
- Min. Annual Salary
- HK$150,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 1％
Dining Features
- 5% off dine-in and takeaway orders at KFC (Monday to Friday)
- 10% off dine-in a la carte menu item at Pizza Hut (Monday to Sunday)
- 10% off lunch and dinner buffets at Courtyard by Marriott Hong Kong
- 15% off lunch, afternoon tea, and dinner buffets at Marco Polo Hongkong Hotel
Annual Interest Rate and Fees
| Annual Interest Rate | 34.97% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | The Minimum Payment Amount is HK$230 / CNY230 (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 |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
MoneySmart Exclusive
- Min. Annual Salary
- HK$150,000
- Miles Conversion (Dining)
- $8 = 1.5 Mile
- Cash back on dining
- N/A
MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 30 Jun 2020.
Dining Features
- 10% savings on à la carte food at BLT Steak
- 30% off on Café 8 Degrees at Harbour Plaza 8 Degrees
- 10% savings 2+2 café at Royal Park Hotel
- 12% off Alibi - Wine Dine Be Social at Cordis, Hong Kong
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
Card Association
Wireless Payment
- Min. Annual Salary
- HK$240,000
- Miles Conversion (Dining)
- $6 = 1 Mile
- Cash back on dining
- 0.8%
Promotion: Welcome offer up to 50,000 miles Valid till 31 Dec 2020.
Dining Features
- Enjoy up to 30% off on a la carte menu, afternoon tea set and buffet at Harbour Plaza 8 Degrees - Café 8 Degrees
- Enjoy 10% off on Lunch Buffet, Afternoon Tea Buffet and Whole Session Dinner Buffet at Royal Park Hotel
- City Garden Hotel offers up to 10% off on lunch buffet and 15% off on dinner buffet at Garden Café
- Enjoy up to 15% off on JW Café, The Lounge and Man Ho Chinese Restaurant at JW Marriott Hotel Hong Kong
Annual Interest Rate and Fees
| 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 |
Minimum Income Requirements
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
- Min. Annual Salary
- HK$60,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 0.4%
Welcome Offer: $1600 Wellcome Coupons for qualified retail spending over HK$10,000 within the first 60 days of card issuance. Valid till 15 Apr 2020.
Promotions
- Welcome offer up to HK$800 supermarket cash coupon or HK$700 Sogo Gift Certificate or Afternoon tea set for two persons at Mandarin Oriental
- Student welcome offer up: HK$200 cash rebate
Dining Features
- 10% off lunch and dinner buffets at the Food Gallery, The Langham
- Complimentary medium-sized drink upgrade (e.g. coffee) at McCafe
- 10% off concessions items at Cinema City
- 10% off a la carte menu at Nahm Vietnamese & Thai
Annual Interest Rate and Fees
| Annual Interest Rate | 35.52% |
|---|---|
| Annual Principal Fee | HK$180 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | 1.50% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
Minimum Income Requirements
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
- Min. Annual Salary
- HK$150,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 1.2%
Dining Features
- Enjoy year-round dining offers from restaurants that participate in American Express Selects
- 10% off on à la carte food at BLT Steak
- 30% savings on Café 8 Degrees at Harbour Plaza 8 Degrees
- Royal Park Hotel 2+2 café offers 10% off
- 12% off Alibi - Wine Dine Be Social at Cordis, Hong Kong
Annual Interest Rate and Fees
| Annual Interest Rate | 37.67% |
|---|---|
| Annual Principal Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | 150000% |
Card Association
Wireless Payment
- Min. Annual Salary
- HK$360,000
- Miles Conversion (Dining)
- HK$2.78 = 1 Mile
- Cash back on dining
- 5.6%
Dining Features
- Enjoy exclusive year-round dining offers from popular restaurants in Hong Kong including ClubONE, East Ocean, BRICK LANE, and BLT Steak.
- One-for-one dinner buffet at Tiffin, Grand Hyatt Hong Kong
Annual Interest Rate and Fees
| Annual Interest Rate | 37.75% |
|---|---|
| Annual Principal Fee | HK$2,000 |
| Supplementary Annual Fee | HK$1,000 |
| Fee Waiver | |
| Minimum Monthly Repayment | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher. |
| Interest Free Period | 56 days |
Minimum Income Requirements
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
Card Association
| Visa |
|---|
- Min. Annual Salary
- HK$96,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 1.5%
Dining Features
- 1.5% Cash Rebate on local currency spending
- Enjoy exclusive dining, shopping and lifestyle offers all year round
- 8% off Ice-cream cakes at Häagen-Dazs
- 10% off on à la carte menu at BLT Steak
Annual Interest Rate and Fees
| 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 |
Minimum Income Requirements
| Local Resident | HK$96,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|
- Min. Annual Salary
- HK$96,000
- Miles Conversion (Dining)
- HKD4 = 1 Mile
- Cash back on dining
- N/A
Dining Features
- HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
- Enjoy HK$1 = 1 Asia Mile on Mondays with any of the Asia Miles partner restaurants
- 10% redemption discount for hotel, car rental, travel experiences and dining awards
Annual Interest Rate and Fees
| Annual Interest Rate | 33.41% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| 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 |
Minimum Income Requirements
| Local Resident | HK$96,000 |
|---|
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
- Min. Annual Salary
- HK$360,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 1%
Dining Features
- Up to 15% off on CONRAD, JW MARRIOTT Hotel dinning
Annual Interest Rate and Fees
| Annual Interest Rate | 35.70% |
|---|---|
| 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 |
Minimum Income Requirements
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
Card Association
| Visa |
|---|
- Min. Annual Salary
- HK$120,000
- Cash back on Online purchases
- 4%
- Cash back on Supermarket purchases
- 2%
Dining Features
- Earn RewardCash from every transaction
- 4% RewardCash for online transaction
- 2% RewardCash for local supermarket transaction
- 1% RewardCash for other local and overseas transaction
- Enjoy HK$20 off your orders through Deliveroo
Annual Interest Rate and Fees
| Annual Interest Rate | 36.43% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | |
| Minimum Monthly Repayment | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher. |
| Interest Free Period | 56 days |
Minimum Income Requirements
| Local Resident | HK$120,000 |
|---|---|
| Foreigner | HK$120,000 |
Card Association
| Mastercard |
|---|
Wireless Payment
| Mastercard contactless |
|---|
- Min. Annual Salary
- HK$150,000
- Miles Conversion (Dining)
- HK$15 = 1 mile
- Cash back on dining
- 0.4%
Dining Features
- Four Seasons fine dining offers
- Caprice, Yu Yuan and La Dame de Pic London included
- Dining City buy-1-get-1-free offer
- ZUMA,Hong Kong ÉPURE and Aurora included
Annual Interest Rate and Fees
| Annual Interest Rate | 34.49% |
|---|---|
| Annual Principal Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | |
| Minimum Monthly Repayment | Interest and fees and charges plus 1% of outstanding principal, plus any overlimit amount and past due amount (min. HK$200) |
| Interest Free Period | 55 Days |
Minimum Income Requirements
| Local Resident | HK$150,000 |
|---|
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass |
|---|
- Min. Annual Salary
- HK$250,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 1%
Dining Features
- Enjoy a free personal accident insurance coverage on public conveyance up to US$500,000 if not less than 50% public conveyance fare is settled with Ithe Card
- Enjoy buy one way and get a return ticket for free for Turbojet ticket by Grayline Tours
- Complimentary access to LoungeKey airport lounges for three times
- Designated airport limousine transfer services for HK$250
Annual Interest Rate and Fees
| Annual Interest Rate | 31.89% |
|---|---|
| Annual Principal Fee | HK$1,000 |
| Supplementary Annual Fee | HK$500 |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 |
| Interest Free Period | 55 Days |
Minimum Income Requirements
| Local Resident | HK$250,000 |
|---|---|
| Foreigner | HK$250,000 |
Card Association
| Unionpay |
|---|
Wireless Payment
| UnionPay QuickPass |
|---|
- Min. Annual Salary
- HK$250,000
- Miles Conversion (Dining)
- N/A
- Cash back on dining
- 0.5%
Dining Features
- 2-for-1 Dinner Buffet at Grand Hyatt Hong Kong
- 2-for-1 Dinner Buffet at Hyatt Regency Hong Kong, Tsim Sha Tsui
- Enjoy 25% on lunch and dinner at Holiday Inn Golden Mile Hong Kong
- Enjoy 15% off the participating restaurant at Hotel VIC
Annual Interest Rate and Fees
| Annual Interest Rate | 31.89% |
|---|---|
| Annual Principal Fee | HK$1,800 |
| Supplementary Annual Fee | HK$900 |
| Fee Waiver | |
| Minimum Monthly Repayment | HK$50 |
Minimum Income Requirements
| Local Resident | HK$250,000 |
|---|
Card Association
| Visa |
|---|
Wireless Payment
| Visa payWave |
|---|