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.
Which cards should expats and foreigners apply?
Click the cards below to learn more:
For Cashback
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.
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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!
For Air Miles
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!
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)
- 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!
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.
For Grocery Shopping
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 Coupon. To 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!
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
- 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.
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.
