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%

【Limited Time Offer】Register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$1,000, you can earn a HK$2,000 SHKP Malls Gift Card/ [newly added] HK$1,800 Uber Voucher/ HK$1,800 Apple Gift Card/ HK$1,800 Supermarket Voucher!



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards+ with a spending amount of HKD1,000, you can receive an extra HK$300 Supermarket Voucher for every successful referral.

Valid until 30 Jun 2023
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$1,599

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,200 Apple Gift Card or HK$1,200 Supermarket or Shokz S810 Bone Conduction Open-ear sport headphones (Colour randomly distributed) (Retail price: HK$1,599). Total up to HK$2,799 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall ! Limited-time - Earn 8% CashBack at Deliveroo! Spend Smart for your trip, waive any foreign exchange fee for foreign currency transaction!



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

Valid until 15 Jun 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

Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$4 = 1 mile

From now until 30 June, apply designated cards through MoneySmart (DBS Black World Mastercard/ DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Klook Voucher or HK$200 Supermarket Vouchers! 

Valid until 30 Jun 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
60,000 miles

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$350 Klook Gift Card or HK$350 Supermarket Voucher or HK$350 Apple Gift Card! Enjoy up to 60,000 welcome miles!

Valid until 15 Jun 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
Complimentary 4th night free at any hotel
MoneySmart Exclusive
Complimentary 4th night free at any hotel

Citi Prestige Card

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

【Limited Time Offer】Register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$1,000, you can earn a HK$2,000 SHKP Malls Gift Card/ [newly added] HK$1,800 Uber Voucher/ HK$1,800 Apple Gift Card/ HK$1,800 Supermarket Voucher!



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards+ with a spending amount of HKD1,000, you can receive an extra HK$300 Supermarket Voucher for every successful referral.

Valid until 30 Jun 2023
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

MoneySmart Exclusive
Up to 4x Points to spend as cash
MoneySmart Exclusive
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

【Limited Offer】Until 11 June, apply for the designated Hang Seng Credit Card via MoneySmart simply spend HK$1,000 within a month, to get an extra HK$1,000 Apple Gift Card or HK$1,000 Supermarket vouchers or HK$1,000 Klook CouponTo ensure you can get the exclusive reward, please apply via this link and do not log on to Hang Seng Personal e-Banking!



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

Valid until 11 Jun 2023

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

【Limited Time Offer】Register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$1,000, you can earn a HK$2,000 SHKP Malls Gift Card/ [newly added] HK$1,800 Uber Voucher/ HK$1,800 Apple Gift Card/ HK$1,800 Supermarket Voucher!



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards+ with a spending amount of HKD1,000, you can receive an extra HK$300 Supermarket Voucher for every successful referral.

Valid until 30 Jun 2023

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.