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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

MoneySmart Limited Time Offer
HK$2,299
Cash back on online spending
2%
Miles Conversion (online shopping)
N/A

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)!!

Valid until 31 May 2022 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

MoneySmart Limited Time Offer
HK$2,299
Cash back on online spending
0.4%
Miles Conversion (online shopping)
HK$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 HK$800 Wellcome Supermarket and Lifestyle Supermarkets Shopping Voucher (Fulfilled by Citibank)!!

Valid until 31 May 2022 - See more details below
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SCB 渣打銀行 logo
MoneySmart Exclusive

Standard Chartered Cathay Mastercard

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!

Valid until 31 May 2022 - See more details below
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DBS 星展銀行 logo

DBS LIVE FRESH

Min. Annual Salary
HK$150,000
Cash Back for Online Transaction
6%
Cash back on Online Overseas spend
1%
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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$600 cash rebate + Welcome offer: BRUNO Compact Hot Plate or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)
Valid until 31 May 2022 - See more details below
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AE 美國運通 logo
Bank Promo
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Cash back on foreign currencies spending
1.25%
Bank Promo:
Up to HK$2,280 Welcome Offer! 

Valid until 31 May 2022 - See more details below
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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

Successfully apply American Express® Platinum Credit Card now to get extra HK$800 supermarket voucher from MoneySmart & welcome offers valued up to HK$2,960 upon card approval. From now until 31 May 2022, you can enjoy extra HK$1,000 (300,000 Membership Reward points) once spending at the first time. The total value is up to HK$4,760! 

Valid until 31 May 2022 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending

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$600 cash rebate + Welcome offer: HK$670 cash rebate or Philips Instant Heating Water Dispenser or Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 31 May 2022 - See more details below
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SCB 渣打銀行 logo
MoneySmart Exclusive
Massive 5% Rebate

Standard Chartered Smart Card

Cash back on spending at designated stores of AEON
8%
Cash back on local spend
5%
MoneySmart Exclusive Offer
HK$500

Limited Time Offer! Apply for SC Smart Card now via MoneySmart to get HK$500 supermarket vouchers or HK$500 Japanese Grocery Store cash vouchers! Total up to HK$3,000 rewards including SCB welcome offer. You can also enjoy 8% CashBack at AEON!

Valid until 31 May 2022 - See more details below
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恒生銀行 logo
Get up to 10% cash dollars on designated spending

Hang Seng MPOWER CARD

Annual fee
Perpetual annual fee waiver
Cash back on online spending
5%
Miles Conversion (online shopping)
N/A
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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$0
Cash back on online spending
1.2%
Miles Conversion (online shopping)
N/A

HK$300 Supermarket Voucher upon Card Approval and the limited-time welcome offer of up to HK$1,372! Enjoy 1.2% cash back with no string , cash back credited to account automatically every month with NO administration charge.

Valid until 31 May 2022 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn 10X points

Citi Rewards UnionPay Card

MoneySmart Limited Time Offer
HK$2,299
Cash back on QuickPass Transaction
10X Points
Miles Conversion (local spend)
$1.5 = 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 and HK$200 Cash Rebate (Fulfilled by Citibank)!!

Valid until 31 May 2022 - See more details below
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恒生銀行 logo

Hang Seng UnionPay Platinum Card

Min. Annual Salary
HK$150,000
Cash Dollars Rebate on designated spending category
10%
Miles Conversion (online shopping)
N/A
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恒生銀行 logo
Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 80,000 yuu Points
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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$600 cash rebate + Welcome offer: HK$670 cash rebate or Philips Instant Heating Water Dispenser or Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 31 May 2022 - See more details below
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AE 美國運通 logo
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
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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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安信信貸 logo
MoneySmart Exclusive

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$600 cash rebate + Welcome offer: BRUNO Compact Hot Plate or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)
Valid until 31 May 2022 - See more details below
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
Apply Now
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AE 美國運通 logo
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
Read More
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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Online Shopping Credit Cards in Hong Kong 2022

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
DBS COMPASS VISAHK$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 Card

Citibank 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 Card

Standard 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 Card

DBS 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.

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Which credit card is best for Online Shopping?

Expedia

Mastercard

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.

Ztore

Hang 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.

Zalora

Standard 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.