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Best Online Shopping Credit Cards in Hong Kong

Buy online with best credit card for online shopping to enjoy high rebates and special promotional discounts. Compare and find the best credit card shopping offers, from a range of groceries to online fashion store. Read More
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary
HK$240,000
Cash back on online spending
2%
Miles Conversion (online shopping)
N/A
Extra HK$500 voucher apply via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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HSB 恒生銀行 logo
Bank Promo

Hang Seng enJoy Card

Min. Annual Salary
HK$150,000
Cash back on online spending
1.5%
Miles Conversion (online shopping)
N/A
Bank Promo:
Up to 80,000 reward points (=HK$400)
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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安信信貸 logo
MoneySmart Exclusive
Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash back on online spending
4%
Miles Conversion (online shopping)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Valid until 31 Dec 2020 - See T&Cs below
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AE 美國運通 logo
MoneySmart Exclusive
Complimentary Plaza Premium Lounge access

American Express Cathay Pacific Elite Credit Card

Min. Annual Salary
HK$300,000
Cash back on online spending
N/A
Miles Conversion (online shopping)
HK$6 = 1 Mile
HK$500 Cash coupon upon Card Approval and Enjoy up to 76,000 Asia Miles 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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渣打銀行 logo
MoneySmart Exclusive
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Cash back on online spending
1.5%
Miles Conversion (online shopping)
N/A
Applying via MoneySmart get exclusive HK$350 Supermarket Vouchers!!
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
High cash rebates for designated categories

Citi Rewards MasterCard

Min. Annual Salary
HK$150,000
Cash back on online spending
0.4%
Miles Conversion (online shopping)
HK$6 = 1 Mile
Extra HK$500 voucher apply via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
More Details
AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Cash back on online spending
1％
Miles Conversion (online shopping)
HK$5 = 1 Mile
HK$600 Supermarket coupon upon Card Approval and welcome offers valued up to HK$2,960
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from Octopus AAVS

EarnMORE UnionPay Card

Min. Annual Salary
HK$0
Cash back on online spending
2%
Miles Conversion (online shopping)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback

Blue Cash℠ Credit Card from American Express

Min. Annual Salary
HK$150,000
Cash back on online spending
1.2%
Miles Conversion (online shopping)
N/A
HK$200 Supermarket Coupon + HK$200 Cashback upon Card Approval , A total of welcome offer up to HK$1,672
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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DBS 星展銀行 logo
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Cash back on online spending
1%
Cash back on other spending
HK$6 = 1 Mile
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AE 美國運通 logo
Up to 25% discount at I.T

American Express I.T Cashback Card

Min. Annual Salary
HK$150,000
Cash back on online spending
1.2%
Miles Conversion (online shopping)
N/A
Apply Now
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DBS 星展銀行 logo
8% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary
HK$100,000
Cash back on online spending
3%
Miles Conversion (online shopping)
N/A
Read More
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HSB 恒生銀行 logo
Bank Promo
Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary
HK$150,000
Cash back on online spending
5%
Miles Conversion (online shopping)
N/A
Bank Promo:
【Spending Wow Reward】 Enjoy up to $2,800 Cash Dollars!
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
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BEA 東亞銀行 logo
MoneySmart Exclusive

BEA i-Titanium Student Card (Exclusively for Tertiary Students)

Min. Annual Salary
HK$40,000
網購現金回贈
3.4%
里數轉換 (網上購物)
N/A
【MoneySmart Exculsive】Get exculsive $250 supermarket voucher if apply via MoneySmart! 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
More Details
AE 美國運通 logo
MoneySmart Exclusive
Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary
HK$150,000
Cash back on online spending
N/A
Miles Conversion (online shopping)
HK$5.3 = 1 Mile
HK$500 Cash coupon upon Card Approval and enjoy up to 74,000 Asia Miles 
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
More Details
安信信貸 logo
MoneySmart Exclusive
3 Complimentary airport lounges access per year

EarnMORE UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on online spending
2%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
More Details
安信信貸 logo
MoneySmart Exclusive
Buy-1-Get-1-Free UA movie tickets on Friday

WeWa UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on online spending
0.4%
Miles Conversion (online shopping)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
More Details
DBS 星展銀行 logo

DBS Eminent Visa Signature Card

Min. Annual Salary
HK$360,000
Cash back on online spending
1%
Miles Conversion (online shopping)
N/A
Read More
More Details
BEA 東亞銀行 logo
MoneySmart Exclusive

BEA i-Titanium Card

Min. Annual Salary
HK$40,000
Cash back on online spending
3.4%
Miles Conversion (online shopping)
N/A
【MoneySmart Exculsive】Get exculsive $250 supermarket voucher if apply via MoneySmart! 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
More Details
中國建設銀行(亞洲) logo

eye Credit Card

Min. Annual Salary
HK$150,000
Cash back on online spending
2%
Miles Conversion (online spend)
HK$3 = 1 Mile
Read More
More Details

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Best Online Shopping Credit Cards in Hong Kong 2019

Online shopping credit cardAnnual salary requirementOnline Shopping Rewards
Citi Clear CardHK$60,0002% Cash Back
Citi Rewards Visa CardHK$150,0000.4% Cash Back
EarnMORE UnionPay CardHK$02% Cash Back
DBS Black World MastercardHK$240,000HK$6 = 1 mile
Standard Chartered Simply Cash Visa CardHK$96,0001.5% Cash Back
American Express® I.T Cashback CardHK$150,0001.2% Cash Back
Hang Seng MPOWER CardHK$150,0005% Cash Rebate
HSBC Red CardHK$150,0004％ Cash Rebate
HK$60,0003% Cash Back

Promotions and Offers of Credit Cards for Online Shopping

Extra Credit Card Rewards

In addition to the regular credit card rewards such as cash rebate, air miles or reward points, some banks may offer special promotions or limited time offers for online shopping from time to time. Therefore, it's key to do your own research next time when you want to do online shopping. For example:

  1. HSBC is offering a year-round promotion of "Red Hot Online and Overseas Spending Rewards" that gives you up to 2.4% RewardCash rebate & to up an extra 2% RewardCash rebate for overseas spending with HSBC Premier Mastercard.
  2. Standard Chartered Bank is offering a 15% off year-round discount when shopping with Zalora at minimum spending of HK$400.
  3. Citibank is offering a 5% discount when shopping online with Pricerite.
  4. Hang Seng Bank is having different special promotions with various online outlets such as mydress.com, Reebonz, Neigbuy.com etc.

Limited-Time Offers

Besides the above year-round promotions, some banks also offer limited-time offers from time to time. For instance, with Hang Seng Credit Card, in addition to the regular 1.2% Cash Dollars rebate throughout the year, you can now earn a top-up offer with up to 6% Cash Dollars rebate when accumulated the designated amount of spending in dining, travel and online shopping, offer until June 30, 2020.

HSBC also offers limited-time offers with different online merchants. For example, you can now enjoy up to 15% discount on Business Class tickets purchase on Korean Air website, and an 8% discount upon spending HK$600 on Japan, Korea and Taiwan activities or products on KLOOK.

Best Credit Card for Overseas Online Shopping

Air Miles Credit CardCitibank PremierMiles Card

Citi PremierMiles Card offers year round asia miles reward of 12 Points (1 mile) per every HK$4 spent on online foreign currency spending. If you have spent HK$20,000 or above of total eligible transactions, in one statement cycle, you can enjoy an ever lower Asia Miles conversion of HK$3 = 1 mile.

Citi PremierMiles cardholders can also enjoy up to HK$600 extra rebate with Citi Pay with Points upon designated redemption amount, offered until the end of February..

Cash Rebate Credit CardStandard Chartered Simply Cash Visa Card

Get 2% cash back on spending in foreign currency with Standard Chartered Simply Cash Visa Card.

Standard Chartered also corporates with multiple online merchants, like Ztore, Zalora, Pricerite etc., which offers up to 15% off upon purchase of designated amount.

Reward Point Credit CardDBS COMPASS VISA

Although DBS COMPASS VISA can only get 0.4 COMPASS Dollar rebate at non-designated merchants, it offers special discounts on selected shopping sites, for example, cardholders can earn up to 3% rebate at Taobao and Tmall.

Cardholders can also get an 8% instant discount on 6 spending categories including online spending, through DBS Omni InstaRedeem function.

DBS Credit Cards for Online Shopping

DBS offers a range of credit card products that cater to the increasingly popular online shopping trend in Hong Kong. Here’s a list of credit cards available, whether you are looking for cash rebate or air miles.

DBS Black World Mastercard

DBS Black World Mastercard is best for travel lovers which allows you to redeem 4 different kinds of mileage with DBS$ such as Asia Miles, Avios, KrisFlyer and PhoenixMiles. The card offers you special online promotion when shopping online. You can enjoy up to 25% for Zalora products & HK$15 off for Birdie. You will also be eligible for 12% off hotel booking via Expedia and InstaRedeem 30% off at travel merchants.

DBS COMPASS VISA

You can earn up to 3% COMPASS Dollar rebate at Taobao and Tmall with DBS COMPASS VISA. This card also gives you free baggage upgrade with HK Express and access to merchant shopping privileges such as BIC Camera and Agoda. You can now enjoy an extra 8% at designated coffee shops through DBS Omni InstaRedeem with DBS Compass VISA.

DBS Eminent Visa Signature Card

DBS Eminent Visa Signature Card offers you unlimited cash rebates without designated spending amount requirement, you can earn up to 2% cash rebates on spending in foreign currencies all year round. You can also enjoy exclusive Visa Signature benefits including Dining, Travel and many other exclusive privileges.

Which credit card is best for Online Shopping?

ExpediaMastercard

Up until 30 June 2020, save your Mastercard in Expedia Rewards Account to get 1,000 Expedia Rewards points for your first booking. Mastercard holders can also enjoy an extra 12% off of hotel bookings through designated Expedia website and coupon code applied, up to HK$300 discount per transaction. Expedia Rewards points into your account.

ZtoreHang Seng credit cards

Get up to 5% Z-Dollar rebate upon purchase of HK$550 at Ztore with your Hang Senh credit card and a specific promo code, which you can use as cash for your next purchase. You may also earn up to 4% cash dollars rebate for online transactions upon spending over designated amount.

ZaloraStandard Chartered credit Cards

From now until 30 June 2020, you can enjoy a year round 15% off when shopping at Zalora with your Standard Chartered credit cards upon spending HK$400 or above, Zalora new customers can even enjoy 20% off first order with no spending requirement.

HSBC Credit Card Online Shopping Promotions

HSBC’s “Red Hot Online and Overseas Spending Rewards” include year-round rewards for online and overseas spending with HSBC credit cards. You can enjoy up to 2.4% RewardCash rebate Overseas spending with HSBC Premier MasterCard credit card and up to an extra 2% RewardCash rebate.

Frequently Asked Questions

Can you buy online with a credit card?

Most credit card providers offer special discounts for online/overseas spending. The rewards can be in the form of air miles, cash rebate or reward points. Some credit card providers also have promotion program and limited-time offer for particular online merchants.

Can you shop online without a credit card?

Yes you can! Many online merchants offer various payment methods including credit card, online or mobile payment platforms. However, you will be eligible for different discount offers when shopping online with your credit cards.

Which bank is best for online shopping?

There is no one-size-fits-all answer as different banks have different online offerings and promotional programs with different online merchants.

Is it safe to pay with a credit card online?

No one can guarantee safety when paying online. However, it is safer to shop online using a credit card rather than a debit card. It is because credit cards can be locked or canceled easily even if you lost your cards. Also, it’s the responsibility of the bank to hand and avoid the fraud for you.

How can I protect my credit card online?

There are multiple ways you can protect your credit card online. First, keep your account number private your information current. It is a good idea to sign up for fraud alerts using your cell phone number or email address, so make sure your banks have your correct and up-to-date information. When shopping online, go to the sites with https in their web addresses. Also, secure your devices and networks such as equipping your computer with a firewall or installing security software.