Best Credit Cards for Expats and Foreigners in Hong Kong
Which cards should expats and foreigners apply?
Click the cards below to learn more:
For Cashback
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%
⚡【August Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,999 +Trip.com Promo Codes! 🎉】
From now until 24 August 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 30 September 2026) can receive one of the following rewards:
✈️ 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$2,200 Apple Store Gift Card / HK$2,400 PlayStation Store Digital Voucher / ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300 or
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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Standard Chartered Smart Card
- Foreign currency transaction fee
- HK$0
- Cash back at Designated Merchants
- 5%
- MoneySmart Exclusive Offer
- Up to HK$2,398
【🌟August Exclusive: Apply to Earn HK$1,500 Cash Vouchers】
From now until 26 August 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・[🔥Newly launched!] staub Braiser 28cm/3.7L (Value: HK$3,999, random color)
・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)
・HK$1,500 Apple Store Gift Card / ParknShop e-Vouchers / Trip.come-Vouchers
+ Trip.com up to 8% Hotel Bookings Promo Code + Trip.com up to HK$200 Flights Promo Code (upon claim submission, terms & conditions applied)
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For Air Miles
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DBS Black World Mastercard®
- Welcome Offer
- Up to 32,000 miles
- Upon meeting overseas spending goal*
- HK$2/mile
- Local spending
- HK$6/mile
【⚡️Unleash Your Wanderlust: 5,000 SmartPoints for Rewards of Your Choice!】
From now until 31 August 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 or products (over 20+ brands, including PARKnSHOP, HKTVmall , Apple, Samsung 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)!
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.
Standard Chartered Cathay Mastercard
- Miles Conversion(Eligible spending on Cathay and HK Express)
- Up to HK$2 = 1 mile
- Miles Conversion (Eligible spending on dining, hotels and overseas category)
- HK$4 = 1 mile
- Bank Limited Time Welcome Offer
- 40,000 miles
⏰ 7 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 26 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
- Minimum Income Requirements
- HK$600,000
- Miles Conversion (local spend)
- HK$6 = 1 Mile
- Miles Conversion (overseas spend)
- HK$4 = 1 Mile
For Grocery Shopping
Hang Seng enJoy Card
- Annual fees
- Perpetual annual fee waiver
- Cash back on local spend
- 2％
- Welcome Offer
- Up to 140,000 yuu Points
【Get Your Daily yuu Boost with enJoy】Apply and Get up to HK$2,600 rewards 🎁 or HK$900 vouchers!
From now until 31 August 2026, customers who successfully apply for Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance , can 🌟choose 1 from the following gifts:
🎁 New Customers can enjoy one of the rewards below:
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・OSIM uVizion Air 2 (Value: HK$1,680, random color) or
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298, random color) or
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas) or
・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons
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✨ Existing Customers can also enjoy one of the rewards below:
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650) or
・HK$400 Apple Store Gift Card / Maxim's Gift e-Coupons
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.
Citi Rewards MasterCard
- Minimum Income Requirements
- HK$120,000
- Rebate on Shopping & Entertainment Transactions
- 3% Points
- Miles Conversion (Shopping and entertainment spending)
- As low as $1.8 = 1 Mile
⚡【August Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,999 +Trip.com Promo Codes! 🎉】
From now until 24 August 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 30 September 2026) can receive one of the following rewards:
✈️ 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$2,200 Apple Store Gift Card / HK$2,400 PlayStation Store Digital Voucher / ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300 or
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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
Processing Time
Credit Card Fees
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.
