Most Popular Credit Cards

Get the most popular credit cards in HK to earn most air miles, cashback and welcome offers, apply through MoneySmart to get extra rewards! Read More
We found 19 Credit Cards for you!
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate
Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%

【🔥MoneySmart Exclusive: Own the Top-Rated Smartwatch, Stay for the Magic✨】
From now until 3 June 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn the limited-time hot item: [🌟4.5-Star Rated] Garmin Forerunner 165 Music GPS Smart Watch (Value: HK$2,699) or [🐭Newly added] 3 x Hong Kong International Theme Park 1-Day Ticket (General Admission) (Value: HK$2,007) or the exciting rewards below:
・[Limited-time] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・Round-trip Air Ticket from Hong Kong to Taipei on Cathay Pacific/ Seoul on Hong Kong Airline, inclusive of 20kg baggage allowance (excluding tax and fuel surcharges) or
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・TEA CHÂTEAU Genie Multifunctional Tea Machine Set (Value: HK$2,316) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 03 Jun 2025 - See more details below
Apply Now
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack
Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
Up to HKD3,999 rewards

【May Exclusive: Instantly Get HKD200 on Approval + Low-Spend up to HK$3,999 Rewards!】
⭐️ Unlimited Cashback♾ From May 16 to May 31, new customers successfully open an account and apply for a Mox credit card with the invitation code "MOXMSSUMMER" can get HKD200 Cash. Spend HKD5,000 within 60 days, can enjoy 🔥 MoneySmart Exclusive Gifts below (choose 1 out of 6), worth up to HKD3,999:
1. 【⚡️Upgraded】HKD1,500 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
2.  BERMAS Front Opening Expandable Suitcase (26 inch) (Value: HKD3,999) or
3. Bang & Olufsen Beosound Explore Outdoor Bluetooth Speaker (Value: HKD1,998) or
4. PHILIPS ADD6901HWH01/90 RO Water Dispenser (Value: HKD1,998) or
5. B&W Pi6 In-ear True Wireless Earbuds (Value: HKD1,980)
*Subject to "MOXMSSUMMER" Invitation Code Promotion Terms and Conditions.

Valid until 31 May 2025 - See more details below
Apply Now
Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
0.75%

【🔥MoneySmart Exclusive: Own the Top-Rated Smartwatch, Stay for the Magic✨】
From now until 3 June 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn the limited-time hot item: [🌟4.5-Star Rated] Garmin Forerunner 165 Music GPS Smart Watch (Value: HK$2,699) or [🐭Newly added] 3 x Hong Kong International Theme Park 1-Day Ticket (General Admission) (Value: HK$2,007) or the exciting rewards below:
・[Limited-time] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・Round-trip Air Ticket from Hong Kong to Taipei on Cathay Pacific/ Seoul on Hong Kong Airline, inclusive of 20kg baggage allowance (excluding tax and fuel surcharges) or
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・TEA CHÂTEAU Genie Multifunctional Tea Machine Set (Value: HK$2,316) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 03 Jun 2025 - See more details below
Apply Now
The Platinum Card
MoneySmart Exclusive
Family Travel Cover | 0% Cross Border Fee
Discount at Expedia/Hotels.com/Trip.com
8%
Discount at Agoda
Up to 7%
Discount at designated restaurants
40%

【🔥MoneySmart Exclusive: 😱 HK$3,500 CASH or New Premium Gifts Await!】
From now until 31 May 2025, apply for the Platinum Card and fulfil spending of HK$15,000 within the first 2 months, indulge in ONE of the Premium Gifts and Cash below. Hurry, this limited-time upgrade awaits!
1. 🤑 HK$3,500 Cash (automatically converted by 35,000 SmartPoints and will directly deposit into your FPS account)
2. PHILIPS ADD6921DG/90 RO Water Dispenser with instant heating and cooling (Value: HK$5,488) or
3. Bowers & Wilkins Px8 Over-ear Noise-canceling Headphones (Value: HK$5,480) or
4. B&O Beolit 20 Bluetooth Speaker (Value: HK$4,998) or
5. HK$3,500 Apple Store Gift Card
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Terms & Conditions Apply.

Valid until 31 May 2025 - See more details below
Apply Now
Standard Chartered Smart Card
MoneySmart Exclusive
Up to 5% rebate|Waive foreign exchange fee
Cash back on spending at Klook
Up to 5%
Cash back at Designated Merchants
Up to 5%
MoneySmart Exclusive Offer
HK$2,798

【🌟Double the Excitement: Apply now and get up to HK$HK$1,998 Rewards from MoneySmart!】
From now until 31 May 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998)
・OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・🆕 Momax 1-Home Vacuum+ Cordless Vacuum Cleaner (Value: HK$1,099)
・GHD Flight+ Travel Hair Dryer (Value: HK$895)
・HK$800 Apple Store Gift Card/ PARKnSHOP Supermarket Vouchers

Valid until 31 May 2025 - See more details below
Apply Now
Mox Credit Card (Miles)
MoneySmart Exclusive
Limited Offer|Best-in-town Asia Miles rewards
Miles Conversion
HKD4 = 1 mile
Foreign Transaction Fee
0%
MoneySmart exclusive welcome offer
Up to 16,000 miles / Up to 15,000 miles + HKD200 rewards

May Limited Offer: Earn up to 16,000 miles in total!
🛩 New customers can use the invitation code "MOXMSMILES"and spend HKD5,000 within 60 days can receive 5,000 miles. If you spend HKD15,000, You can receive extra 10,000 miles, in total you can earn up to 15,000 miles! Additionally, if you spend a total of HKD15,000, MoneySmart is exclusively giving you 2,000 SmartPoints! You can redeem 🆕 1,000 Asia Miles or HKD200 vouchers from the Rewards Store (with flexible combinations from over 20 brands, including Apple, HKTVmall and more)! *Subject to Mox Card Rewards Welcome Offer Promotion Terms and Conditions.

📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 31 May 2025 - See more details below
Apply Now
HSBC Red Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Cash back on Supermarket purchases
2%

【Extended! MoneySmart Exclusive Offer: Earn additional HK$300 cash voucher!】
By May 31, 2025, apply for the HSBC Red Credit Card through MoneySmart successfully and submit the rewards redemption form, you can earn HK$300 Apple Store Gift Card / HK$300 PARKnSHOP supermarket voucher.

Valid until 31 May 2025 - See more details below
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Annual Fee Waiver
First Year Free
Local Resident
HK$150,000

【Spend HK$100, Get HK$400 Cash – Grab 4X Cash Rebate🤑】
From now until 31 May 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend HK$100 within 30 days after card issuance, can earn HK$400 exclusive cash (automatically converted by 4,000 SmartPoints) and will directly deposit into your FPS account! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate; fulfilling the spending requirement can earn sim welcome offer of up to HK$4,599. Enjoy the total rewards of up to HK$4,999!

Valid until 31 May 2025 - See more details below
Apply NowApply directly on MoneySmart
HSBC EveryMile Credit Card
MoneySmart Exclusive
Local and oversea spending
As low as HK$2 = 1 Mile
Minimum Annual Income
HK$240,000
Welcome Offer
Up to $1,000 RewardCash
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Cash Instalment Plan can enjoy an additional $200 RewardCash!
Valid until 31 May 2025 - See more details below
Apply Now
WeWa UnionPay Diamond Card
MoneySmart Exclusive
Min. Annual Salary
0
Annual Fee
First 2 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 31 May 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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【PrimeCredit x MoneySmart】From now until May 31 2025, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$300 cash rebate + Welcome offer: Sony Wireless Noise Cancelling Earbuds (WF-1000XM5) (Suggested price: HK$2,490) or American Tourister BRINK SPINNER 29″ EXPANDABLE TSA Luggage (Suggested price: HK$2,980) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 31 May 2025 - See more details below
Apply Now
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$1.68 = 1 Mile
【✈️ 72,000 Miles Mega Reward + Limited-Time Extra Statement Credit up to HK$720!】
From now until May 31, both new and existing customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and make their first transaction within 3 months can enjoy 18,000 Membership Rewards® points + [Limited Time Offer] HK$200 statement credit. Spend HK$7,000 to earn a total of 126,000 Membership Rewards points, equivalent to 7,000 miles + [Limited Time Offer] up to HK$520 travel insurance welcome reward! That’s enough to fully cover the Greater Bay Area Annual Travel Insurance (Basic Plan)! If you aren’t a frequent mainland traveler, you may choose to upgrade to the worldwide annual travel insurance!
🌟Spend HK$7,000, Earn 8,000 miles - just HK$0,875/ mile + HK$720 Statement Credit!

Ready to Fly Further for Less? Supercharged earning rates:
During the welcome period, earn HK$3=1 mile on eligible local transactions, up to 1,152,000 Points, enough to redeem for 64,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!
Valid until 31 May 2025 - See more details below
Apply Now
sim Credit Card
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Annual Fee Waiver
First Year Free
Minimum Income Requirements
N/A

【Spend HK$100, Get HK$400 Cash – Grab 4X Cash Rebate🤑】
From now until 31 May 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend HK$100 within 30 days after card issuance, can earn HK$400 exclusive cash (automatically converted by 4,000 SmartPoints) and will directly deposit into your FPS account! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,499. Enjoy the total rewards of up to HK$1,899!

Valid until 31 May 2025 - See more details below
Apply NowApply directly on MoneySmart
Hang Seng enJoy Card
MoneySmart Exclusive
Up to 4x Points to spend as cash
Annual Fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points

【Make Every Grocery Trip Count】
From now until 31 May, new and existing credit card customers* who successfully applied for the Hang Seng enJoy card via MoneySmart, can enjoy an extra 1,000 SmartPoints!
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New and existing customers can use 1,000 SmartPoints to fully redeem HK$100 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) from  our Rewards Store!
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【Bank Welcome Offer】Link enJoy Card to yuu Rewards Program and accumulate eligible retail spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent to rewards worth HK$400)!

Valid until 31 May 2025 - See more details below
Apply Now
DBS Eminent Visa Platinum Card
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Rebate on 4 designated categories of spendings
5%
Rebate on other retail spending
1%

From now until 31 May 2025, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart,  can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / HKTVmall/ Trip.com etc). Click here to explore limitless possibilities (T&C applied)!

Valid until 31 May 2025 - See more details below
Apply Now
WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
Min. Annual Salary
0
Annual Fee
First 5 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 31 May 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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【PrimeCredit x MoneySmart】From now until May 31 2025, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$300 cash rebate + Welcome offer: Sony Wireless Noise Cancelling Earbuds (WF-1000XM5) (Suggested price: HK$2,490) or American Tourister BRINK SPINNER 29″ EXPANDABLE TSA Luggage (Suggested price: HK$2,980) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 31 May 2025 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
3 Complimentary airport lounges access per year
Min. Annual Salary
0
Cash back on overseas spend
2%
Cash back on local spend
2%

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,476 cash rewards】
MS Exclusive: From now until 31 May 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$1,726 : [LTO!] extra HK$300 cash rebate + Welcome offer: 🆙 HK$976 cash rebate (included the extra up to 2% cash rebate) or GoPro HERO 4K action camera (CHDHF-131) (Suggested price: HK$1,600) or Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (Suggested price: HK$2,198) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward fulfilled by PrimeCredit). Including MoneySmart exclusive offer, can earn up to HK$1,476 cash rewards!

Valid until 31 May 2025 - See more details below
Apply Now
DBS Eminent Visa Signature Card
MoneySmart Exclusive
Min. Annual Salary
HK$360,000
Rebate on 4 designated categories of spendings
5%
Rebate on other retail spending
1%

From now until 31 May 2025, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart,  can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / HKTVmall/ Trip.com etc). Click here to explore limitless possibilities (T&C applied)!

Valid until 31 May 2025 - See more details below
Apply Now
AEON CARD WAKUWAKU
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on Japanese spending
3%
Read More
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
0
Cash back on overseas spend
2%
Cash back on local spend
2%

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,476 cash rewards】
MS Exclusive: From now until 31 May 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$1,726 : [LTO!] extra HK$300 cash rebate + Welcome offer: 🆙 HK$976 cash rebate (included the extra up to 2% cash rebate) or GoPro HERO 4K action camera (CHDHF-131) (Suggested price: HK$1,600) or Bosch Readyy'y Series 2 2-in-1 Vacuum Cleaner (BCHF216GB) (Suggested price: HK$2,198) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward fulfilled by PrimeCredit). Including MoneySmart exclusive offer, can earn up to HK$1,476 cash rewards!

Valid until 31 May 2025 - See more details below
Apply Now

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