Best Credit Cards for Expats and Foreigners in Hong Kong

With selected credit cards, you can enjoy rewards for local and overseas spending. We have put together a list of selected credit cards. Choose the ones that match your spending pattern the most.

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For Cashback

MoneySmart Exclusive
2% foreign currency rebate
MoneySmart Exclusive
2% foreign currency rebate

Citi Cash Back Card

Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
2%

From now until 2 January 2024, upon successful application of a designated Citi credit card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,600 Apple Store Gift Card or HK$1,600 PARKnSHOP Supermarket Voucher or Bose SoundLink Revolve+ II Bluetooth Speaker (Retail value: HK$2,699)

Valid until 02 Jan 2024
Citi Cash Back Visa Card offers 2% rebate on both local and overseas spending, making it a great card to have both for everyday and traveling.
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee

Standard Chartered Smart Card

Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$3,999

【SC Smart Card Offer: Total rewards amount is as high as HK$3,999!】 New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get extra HK$1,200 Apple Store Gift Card or HK$1,200 PARKnSHOP supermarket vouchers or HK$1,200 Uber vouchers or Samsung Galaxy Tab A9 (retail value: HK$1,288) or Bose QuietComfort® 45 Headphones (retail value: HK$2,499)! From now to 31 December 2023, enjoy 8% cashback at PARKnSHOP and its designated retail stores and PNS eSHOP. 



[Referral Program] After applying for the card, get extra HK$300PARKnSHOP supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get! 

Valid until 21 Dec 2023
Standard Chartered Smart Card offer as high as 5% cash back on spending at designated stores, eg Klook, HKTVMall, Deliveroo, Disney+ and Netflix etc.

For Air Miles

MoneySmart Exclusive
Redeem various mileage points without any fee
MoneySmart Exclusive
Redeem various mileage points without any fee

DBS Black World Mastercard

Welcome Offer
Up to 42,000 miles
Upon meeting local and overseas spending goal*
HK$3/mile
Miles Conversion (overseas spend)
HK$4/mile

From now until 31 December, customers who successfully apply for DBS Blackworld Mastercard via MoneySmart, can enjoy HK$500 Apple Store Gift Card/ Klook Voucher/ PARKnSHOP Supermarket Voucher! You can also earn the bank welcome offer of up to 42,000 miles at the same time!



Apple fans - Attention!】Shop at Apple Store with Flexi Shopping: Save on handling fees in 6 to 60-month instalments and get a chance to win a 100% cash rebate on Apple Store spending!

Valid until 31 Dec 2023

DBS Black World Mastercard offers HK$6 = 1 mile, capped at 833 monthly and 9,996 yearly.

Welcome offers: Offers up to 120,000 miles plus exclusive HK$200 supermarket voucher for successful application via MoneySmart.

MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2 = 1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
63,000 miles

[Limited time offer - Space-saving HomePod mini!]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$700 PARKnSHOP supermarket vouchers or HK$700 Apple Store Gift Card or HK$700 Uber voucher or Apple HomePod mini (Retail price: HK$749) ! Enjoy up to 63,000 welcome miles!

Valid until 21 Dec 2023
Standard Chartered Asia Miles Mastercard offers HK$2 = 1 mile on Cathay and HKExpress spending, and HK$4 = 1 mile on dining, online and overseas category spending.
MoneySmart Exclusive
Citi Welcome Offer: 30,000 Miles
MoneySmart Exclusive
Citi Welcome Offer: 30,000 Miles

Citi Prestige Card

Minimum Income Requirements
HK$600,000
Miles Conversion (overseas spend)
$4 = 1 Mile
Miles Conversion (local spend)
$6 = 1 Mile

From now until 2 January 2024, upon successful application of a designated Citi credit card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,600 Apple Store Gift Card or HK$1,600 PARKnSHOP Supermarket Voucher or Bose SoundLink Revolve+ II Bluetooth Speaker (Retail value: HK$2,699)

Valid until 02 Jan 2024
Citi Prestige Card offers HK$4 = 1 mile on overseas spending. Cardholders can also enjoy complimentary global airport lounge access and 4th-night free stay at any hotel, making it a great choice for frequent travelers and expats.

For Grocery Shopping

Up to 4x Points to spend as cash
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

Hang Seng enJoy Card offers 1% enJoy Dollars rebate (HK$200 = HK$2 enJoy Dollars) at participating merchants (e.g. Wellcome, Market Place by Jasons, 3hreesixty, etc.) and 5% off selected items at 7-Eleven on the 8th and 18th each month.

MoneySmart Exclusive
5x Points on contactless transactions
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X Points
Miles Conversion (local spend)
$3 = 1 Mile

From now until 2 January 2024, upon successful application of a designated Citi credit card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,600 Apple Store Gift Card or HK$1,600 PARKnSHOP Supermarket Voucher or Bose SoundLink Revolve+ II Bluetooth Speaker (Retail value: HK$2,699)

Valid until 02 Jan 2024

Citi Rewards Card offers 5X Points all year round and 8X Points during your birthday month on spending at supermarkets throughout the year.

Things you need to know about credit card application

Documents Required

To apply for credit cards, applicants are required to submit supporting documents which include identity proof (e.g. HKID card), income proof (e.g. payslips/ bank statements) and address proof (e.g. utility bills). If you do not hold an HKID card and have not started working, you can submit your passport with your working visa and employment contract instead.

Processing Time

If you have filled out the application form correctly and submit all the necessary documents, it usually takes less than 2 weeks for approval.

Credit Card Fees

Besides annual fee, please note that there are other credit card fees including late charges, overseas transactions handling fee, over-limit handling fee and returned cheque & rejected autopay charges, etc.

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Credit Cards for Expats and Foreigners Frequently Asked Questions

Which credit card is the best in Hong Kong?

There is no quick answer to this question. To get smart about your money, it is best to choose a credit card that matches your spending pattern to maximise the rewards for your spending. If you travel a lot, it is money-saving to apply for credit cards that offer miles. If you do grocery shopping a lot, apply for credit cards that offer discounts at supermarkets saves you money.

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.

Can cardholders apply for an annual fee waiver?

To avoid paying an annual fee, cardholders are generally required to meet minimum spending requirements. It is best to check before applying to see if it fits your spending pattern. Alternatively, cardholders can call the customer service hotline and try to have it waived.

How to cancel my credit card?

You can call the customer service hotline of the card issuer to request card cancellation. Please note that if the principal card is cancelled, all supplementary card and internet account will also be cancelled.