Best Online Shopping Credit Cards Hong Kong 2020

We found 23 Credit Cards for you!

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

MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Mastercard

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: 【Summer Offer】Enjoy up to $3,450 Cash Dollars! Valid till 30 Aug 2020.

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Annual Interest Rate	34.97%
Annual Principal Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The Minimum Payment Amount is HK$300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii).
Interest Free Period	Up to 56 days

Local Resident	HK$150,000
Foreigner	HK$150,000

Mastercard

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

MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 31 Aug 2020.

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Annual Interest Rate	33.41%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000

Visa

Visa payWave

Welcome Offer

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

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 till 28 Feb 2021.

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Annual Interest Rate	N/A
Annual Principal Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period	53 Days

Local Resident	HK$0
Foreigner	HK$0

Unionpay

UnionPay QuickPass
Apple Pay

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

MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 31 Aug 2020.

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Annual Interest Rate	37.67%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit

Local Resident	HK$300,000
Foreigner	HK$300,000

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

MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Foreigner	HK$60,000

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

MoneySmart Exclusive: HK$400 Cash coupon upon Card Approval Valid till 31 Aug 2020.

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Annual Interest Rate	36.07%
Annual Principal Fee	HK$2,200
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free Period	N/A

Local Resident	HK$300,000

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

MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.

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Annual Interest Rate	N/A
Annual Principal Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period	53 days

Local Resident	HK$0
Foreigner	HK$0

Unionpay

UnionPay QuickPass
Apple Pay

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

MoneySmart Exclusive: HK$200 Voucher! Valid till 31 Aug 2020.

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Annual Interest Rate	37.68%
Annual Principal Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.

Local Resident	HK$150,000
Foreigner	HK$150,000

Welcome Offer

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

Welcome Offer: Get up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000miles Valid till 31 Aug 2020.

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Annual Interest Rate	36.33%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	Varies. For more info, view T&C
Interest Free Period	Up to 60 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Mastercard

Mastercard contactless

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

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Annual Interest Rate	37.67%
Annual Principal Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.

Local Resident	HK$150,000
Foreigner	150000%

Welcome Offer

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

Welcome Offer: Get up to HK$400 “InstaRedeem” Amount or LE MAURICE® CUBIX 28” ALUMINUM FRAME SUITCASE or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers Valid till 30 Sep 2020.

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Annual Interest Rate	35.70%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	N/A
Interest Free Period	1% of monthly balance + fees

Local Resident	HK$100,000
Foreigner	HK$100,000

Visa

Visa payWave

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

MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 31 Aug 2020.

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More Details

Annual Interest Rate	37.67%
Annual Principal Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit

Local Resident	HK$150,000
Foreigner	HK$150,000

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

MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.

Apply Now

More Details

Annual Interest Rate	N/A
Annual Principal Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period	53 days

Local Resident	HK$0
Foreigner	HK$0

Welcome Offer

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

Welcome Offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate Valid till 28 Feb 2021.

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DBS Eminent Visa Signature Card

Min. Annual Salary: ^HK$360,000
Cash back on online spending: 1%
Miles Conversion (online shopping): N/A

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BEA i-Titanium Card

Min. Annual Salary: ^HK$40,000
Cash back on online spending: 7.8%
Miles Conversion (online shopping): N/A

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Hang Seng enJoy Card

Min. Annual Salary: ^HK$150,000
Cash back on online spending: 1.5%
Miles Conversion (online shopping): N/A

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eye Credit Card

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

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CCB (Asia) Hong Kong Airlines Fly Away Credit Card

Min. Annual Salary: ^HK$150,000
Cash back on online spending: N/A
Miles Conversion (online spend): HK$4 = 1 Mile

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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:

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.
Standard Chartered Bank is offering a 15% off year-round discount when shopping with Zalora at minimum spending of HK$400.
Citibank is offering a 5% discount when shopping online with Pricerite.
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.

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..

Online shopping credit card	Annual salary requirement	Online Shopping Rewards
Citi Clear Card	HK$60,000	2% Cash Back
Citi Rewards Visa Card	HK$150,000	0.4% Cash Back
EarnMORE UnionPay Card	HK$0	2% Cash Back
DBS Black World Mastercard	HK$240,000	HK$6 = 1 mile
Standard Chartered Simply Cash Visa Card	HK$96,000	1.5% Cash Back
American Express® I.T Cashback Card	HK$150,000	1.2% Cash Back
Hang Seng MPOWER Card	HK$150,000	5% Cash Rebate
HSBC Red Card	HK$150,000	4％ Cash Rebate
HK$60,000	3% Cash Back

Annual Interest Rate	36.43%
Annual Principal Fee	HK$600
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	Higher of HK$50 or 1% of monthly balance + fees
Interest Free Period	56 days

Best Online Shopping Credit Cards in Hong Kong

Refine Your Results

Citi Cash Back Card

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Hang Seng MPOWER CARD

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Standard Chartered Simply Cash Visa Card

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

WeWa UnionPay Card

Promotions

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

American Express Cathay Pacific Elite Credit Card

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Rewards MasterCard

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

American Express® Platinum Credit Card

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

EarnMORE UnionPay Card

Promotions

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Blue Cash℠ Credit Card from American Express

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

DBS Black World Mastercard

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

American Express I.T Cashback Card

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

DBS COMPASS VISA

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

American Express Cathay Pacific Credit Card

Online Shopping Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

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

Promotions