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.

Masthead Image

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%
【MoneySmart Exclusive!】From now until 30 June, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 30 Jun 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
HK$2,380

【MoneySmart Exclusive : Make your selection of variety of brands  !】From now until 30 June 2024, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get B&W Pi5 S2 In-ear True Wireless earbuds  (retail price $2,380) or HK$800 e-Voucher (including Apple Store / 7-11 / HKTVmall / WeChat Pay HK / Deliveroo / Pacific Coffee or Zalora) or HK$800 PARKnSHOP supermarket voucher!



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 30 Jun 2024
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

【🆙 Elevated Reward! Earn up to HK$1,699 Rewards🔊
From now until 30 June 2024, customers who successfully apply for DBS Blackworld Mastercard via MoneySmart, can enjoy Jollying Pebble Foldable Slim Suitcase 20" (Retail value: HK$899) / JBL Link 20 Voice-activated portable speaker (Retail value: HK$1,699)HK$500 Apple Store Gift Card / HK$500 PARKnSHOP Supermarket Voucher! You can also earn the bank welcome offer of up to 42,000 miles at the same time!



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】
Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with an upgraded referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 30 Jun 2024

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
65,000 miles

【✈️ Travel with CX Card & SONY Headphone !】From now until 30 June 2024, new cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get SONY WH-CH720N Headphone ( Value: HK$1,299) or HK$900 e-Voucher (including Apple Store / 7-11 / HKTVmall / WeChat Pay HK / Deliveroo / Pacific Coffee or Zalora) or HK$900 PANKnSHOP Supermarket voucher!



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 30 Jun 2024
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
MoneySmart Exclusive

Citi Prestige Card

Minimum Income Requirements
HK$600,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$4 = 1 Mile
【MoneySmart Exclusive!】From now until 30 June, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 30 Jun 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

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

【Make Every Grocery Trip Count: Enjoy the Limited-time Offer up to HK$1,599!】
From now until 20 June, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart simply spend HK$1,200 within 30 days after card issuance, can enjoy an extra POLAROID Now+ i-Type Instant Camera (Retail Value : HK$1,599) or German Pool Multifunctional Cordless Vacuum Cleaner (Retail Value: HK$1,380) or Jollying 24" Pebble Collapsible Suitcase Foldable Luggage (Retail Value: HK$1,499) or  HK$1,200 Apple Store Gift Card or HK$1,200 PARKnSHOP Supermarket voucher! You can also enjoy up to 120,000 yuu Points (equivalent to rewards worth HK$600) upon meeting the specified spending requirements!

Valid until 20 Jun 2024

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
【MoneySmart Exclusive!】From now until 30 June, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 30 Jun 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.

Vertical Column Image Vertical Column Image

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.