Best Credit Cards for Expats and Foreigners in Hong Kong 2022
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.
Which cards should expats and foreigners apply?
Click the cards below to learn more:
For Cashback
- Min. Annual Salary
- HK$96,000
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 1.5%
Standard Chartered Simply Cash Visa Card offers unlimited 1.5% rebate for local spending and 2% rebate for foreign currency spending.
Welcome offers: Enjoy 100% CashBack on any eligible transactions within the first 2 months upon the card issuance (capped at HK$1,000 CashBack).
Citi Cash Back Card
- MoneySmart Limited Time Offer
- HK$2,299
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 2%
Limited Time Offer! Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,500 Apple Gift Card/Supermarket Voucher/Decathlon Voucher/Bose QuietComfort® True Wireless Bluetooth Earbuds (Retail value: HK$2,299) and HK$700 Cash Rebate (Fulfilled by Citibank)!!
Citi Cash Back Visa Card offers 2% rebate, capped at HK$50 monthly and HK$600 yearly.
Welcome offers: Offers up to HK$1,000 cash back plus exclusive HK$200 voucher for successful application via MoneySmart.
For Air Miles
- Min. Annual Salary
- HK$240,000
- Miles Conversion (local spend)
- HK$6 = 1 Mile
- Miles Conversion (overseas spend)
- HK$4 = 1 mile
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.
- Miles Conversion(Eligible spending on Cathay and HK Express)
- HK$3 = 1 mile
- Miles Conversion (Eligible spending on dining, online and overseas category)
- HK$4 = 1 mile
- MoneySmart Exclusive Offer
- HK$500
Limited Time Offer! Apply now to get extra HK$500 Supermarket Voucher! Enjoy up to 60,000 welcome miles!
Standard Chartered Asia Miles Mastercard offers HK$4 = 1 mile, capped at 833 monthly and 9,996 yearly.
- MoneySmart Limited Time Offer
- HK$2,299
- Miles Conversion (overseas spend)
- $4 = 1 Mile
- Miles Conversion (local spend)
- $6 = 1 Mile
Limited Time Offer! Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,500 Apple Gift Card/Supermarket Voucher/Decathlon Voucher/Bose QuietComfort® True Wireless Bluetooth Earbuds (Retail value: HK$2,299) and 20,000 miles, equals to 240,000 points (Fulfilled by Citibank)!!
Citi Prestige Card offers HK$6 = 1 mile, capped at 833 monthly and 9,996 yearly.
For Grocery Shopping
Hang Seng enJoy Card
- Annual fees
- Perpetual annual fee waiver
- Cash back on local spend
- 2％
- Welcome Offer
- Up to 80,000 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.
- Min. Annual Salary
- HK$100,000
- Cash back on local spend
- 1％
- Miles Conversion (local spend)
- HK$10 = 1 Mile
DBS Compass Visa offers 8% off at PARKnSHOP on the 2nd, 12th and 22nd day of every month for every HK$100+ single purchase.
- MoneySmart Limited Time Offer
- HK$2,299
- Cash back on Wallet transactions
- 5X Points
- Miles Conversion (local spend)
- $3 = 1 Mile
Limited Time Offer! Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,500 Apple Gift Card/Supermarket Voucher/Decathlon Voucher/Bose QuietComfort® True Wireless Bluetooth Earbuds (Retail value: HK$2,299) and HK$800 Wellcome Supermarket and Lifestyle Supermarkets Shopping Voucher (Fulfilled by Citibank)!!
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.
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.
