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
We found 31 Credit Cards for you!
sim logo
MoneySmart Exclusive
8% cashback on online retail transactions*
Cashback on Online Retail Transactions
8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

【🔓UNLOCK EPIC REWARDS: Earn a HomePod Mini or HK$500 Cash Coupon - Take your pick!】
From now until 31 March 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a HomePod mini (Retail Price: HK$749) or HK$500 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! Including the sim welcome offer of HK$500, you can enjoy up to HK$1,249 rewards in total!



💡Quick Reminder: Speed up your approval process - After completing your online application, please screenshot your reference ID (which should be 88-XXXXXXXXX-X-03XX-thesim), and conduct digital ID verification on the sim Credit Card App. Complete the verification within 3 hours after application, and sim will offer an additional HK$50 cash rebate!

Valid until 31 Mar 2024 - See more details below
Apply NowApply directly on MoneySmart
sim logo
MoneySmart Exclusive
8% cashback on online retail transactions*
Cashback on Online Retail Transactions
8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

【🔓UNLOCK EPIC REWARDS: Earn a HomePod Mini or HK$500 Cash Coupon - Take your pick!】
From now until 31 March 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a HomePod mini (Retail Price: HK$749) or HK$500 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! Including the sim welcome offer of HK$1,000, you can enjoy up to HK$1,749 rewards in total!



💡Quick Reminder: Speed up your approval process - After completing your online application, please take a screenshot of your reference ID (which should be 89-XXXXXXXXX-X-03XX-thesim), and conduct digital ID verification on the sim Credit Card App. Complete the verification within 3 hours after application, and sim will offer an additional HK$50 cash rebate!

Valid until 31 Mar 2024 - See more details below
Apply NowApply directly on MoneySmart
PrimeCredit logo
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash rebate on travel spending and designated spending categories
4%
Apply Now
Hang Seng Bank logo
Bank Promo
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
Bank Promo:
Successfully applied for the enJoy Card and enjoy up to 120,000 yuu Points and perpetual annual fee waiver Welcome Offer!
Valid until 31 Mar 2024 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
HK$2,788

【SmartPoints - Your Rewards Your Choice】From now until 2 April 2024, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get SONY WF-1000XM5 earbuds (value: HK$2,490) or 12,000 SmartPoints and free to redeem HK$1,200 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)! SmartPoints can be converted into cash and cashed out directly!

Valid until 02 Apr 2024 - See more details below
Apply Now
Standard Chartered logo
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
80,000 miles

【SmartPoints - Your Rewards Your Choice】From now until 2 April 2024, new Cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get DENON PerL earbuds (value: HK$1,580) or 9,000 SmartPoints and free to redeem HK$900 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)! SmartPoints can be converted into cash and cashed out directly!

Valid until 02 Apr 2024 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Up to 10% rebate on local supermarkets
Min. Annual Salary
HK$100,000
Cash back on designated local spend
1%
Miles Conversion (local spend)
HK$10 = 1 Mile

From now until 31 March 2024, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Voucher or HK$200 ParknShop Voucher! 

Valid until 31 Mar 2024 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Designated Cash Back for Online Transaction
6%

From now until 31 March 2024, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Voucher or HK$200 ParknShop Voucher! 

Valid until 31 Mar 2024 - See more details below
Apply Now
American Express logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants
Min. Annual Salary
HK$300,000
Cash back on online spending
1%
Miles Conversion (online shopping)
HK$6 = 1 Mile
【🌟Welcome Offer: Valued up to HK$4,960 upon card approval!】
Apply via MoneySmart by 31 March 2024, and seize the rewards! Enjoy 4 complimentary movie tickets and a limited-time offer of 300,000 MR points. An aggregate spend of HK$5,000 within the first 3 months grants you [✈️Newly added!] HK$2,000 HK Express cash vouchers OR 300,000 MR points! Don't miss out on the chance to earn rewards up to HK$4,960 OR rewards up to HK$2,960 with 16,666 miles (converted by 300,000 MR points) — APPLY NOW!


300,000 MR points is equivalent to HK$1,250 if you apply Pay with Points Max which is enough to redeem a free round-trip flight to Taiwan!


💡Reminder: If you would like to select HK$2,000 HK Express cash vouchers, please click here to complete the application. Alternatively, if you prefer 300,000 MR points, you can simply click "Apply Now" to complete the application.
Valid until 31 Mar 2024 - See more details below
Apply Now
PrimeCredit logo
Earn 2% cashback from everyday spending
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply Now
AEON Credit Service logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%

【Limited Time Offer】From now until 31 March 2024, apply for the AEON CARD WAKUWAKU through MoneySmart, you can exclusively enjoy extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc). Alternatively, you can convert them into HK$200 cash and cash out directly! Click here to explore limitless possibilities (T&C applied)!



New AEON Customers successfully applied AEON CARD WAKUWAKU through “AEON HK” Mobile App and input the welcome offer code “MSWAKU” to enjoy an extra HK$200 cash rebate (Offer by AEON) and up to 16% cash rebate + HK$400 cash rebate! Enjoy a 6% cash rebate on online spending! Earn 3% cash rebate on purchases in Japan and enjoy waived transaction fees on foreign currency transactions (except charges imposed by Cards Associations)!

Valid until 31 Mar 2024 - See more details below
Apply Now
Citibank logo
5x Points on contactless transactions
Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Miles Conversion (online shopping)
HK$6 = 1 Mile
Read More
Citibank logo
Earn 3X points for QuickPass Transactions
Minimum Income Requirements
HK$120,000
QuickPass Transactions
3X Points
Miles Conversion (local spend)
$5 = 1 Mile
Read More
China CITIC Bank International logo
Min. Annual Salary
HK$96,000
Cash Back on Dining, Online and Foreign Currency Spending
6%
Annual Fee Wavier
First-Year
Read More
Citibank logo
MoneySmart Limited Time Offer
HK$1,000
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Read More
American Express logo
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$2 = 1 Mile
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
【Get an extra HK$600 Statement Credit!】+Up to 74,000 Miles Welcome Offer in Town!
From now on until 31 March 2024, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 18,000 American Express Membership Rewards points and additional reward of 🔥HK$600 statement credit upon the first transaction within the first 3 months, and gain another 108,000 American Express Membership Rewards points and additional reward of 🔥54,000 American Express Membership Rewards points upon the qualified spending of HK$7,000 within the first 3 months.

In total, customers can earn up to HK$600 statement credit and 180,000 American Express Membership Rewards points, equivalent to 10,000 miles - Earn 1.43 miles for every dollar spent! Plus, you can enjoy 8 complimentary access to Plaza Premium Lounges all over the world for a whole year!


Zoom to Japan, Korea, and Taiwan with Lightning Speed! Earn HK$2=1 mile on eligible foreign currency transactions, up to 720,000 Points, enough to redeem for 40,000 miles. Plus, earn HK$4.5=1 mile on eligible local transactions, up to 432,000 Points, enough to redeem for 24,000 miles. That's a potential of up to 64,000 bonus miles!
Valid until 31 Mar 2024 - See more details below
Apply Now
PrimeCredit logo
3 Complimentary airport lounges access per year
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply Now
American Express logo
Unlimited 1.2% Cashback
Min. Annual Salary
HK$0
Cash back on online spending
1.2%
Miles Conversion (online shopping)
N/A
Read More
DBS logo
MoneySmart Exclusive
Redeem various mileage points without any fee
Min. Annual Salary
HK$240,000
Cash back on online spending
1%
Cash back on other spending
HK$6 = 1 Mile

Quick! Apply Today for Exclusive HomePod mini!From now until 31 March 2024, customers who successfully apply for DBS Blackworld Mastercard via MoneySmart, can enjoy a HomePod mini (retail price: HK$749) or HK$500 Apple Store Gift Card/ Klook Voucher/ PARKnSHOP Supermarket Voucher! You can also earn the bank welcome offer of up to 42,000 miles at the same time!

Valid until 31 Mar 2024 - See more details below
Apply Now
PrimeCredit logo
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash rebate on travel spending and designated spending categories
4%
Apply Now

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 2023

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.