Best Online Shopping Credit Cards Hong Kong 2020

We found 25 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

Apply Now

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

More Details

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: 4.4%
Miles Conversion (online shopping): N/A

Apply Now

Bank Promo: From 6 April to 7 June 2020, simply spend with your Hang Seng Credit Card at Marathon Sports, GigaSports and Catalog in Hong Kong, and Marathon Sports or Catalog online stores to enjoy the special offers Valid till 07 Jun 2020.

More Details

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

Apply Now

MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 30 Jun 2020.

More Details

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 local spend: 4%
Miles Conversion (online shopping): N/A

Apply Now

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.

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

Unionpay

UnionPay QuickPass
Apple Pay

Welcome Offer

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

Apply Now

Welcome Offer: Enjoy up to 76,000 Asia Miles and first year annual fee waiver Valid till 30 Jun 2020.

More Details

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

Apply Now

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

More Details

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

Welcome Offer

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

Apply Now

Welcome Offer: Enjoy welcome offers valued up to HK$2,960 Valid till 30 Jun 2020.

More Details

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

Apply Now

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

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

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

Apply Now

MoneySmart Exclusive: HK$200 Cashback upon Card Approval, Successfully applied through MoneySmart: Extra HK$150 cash Coupon Valid till 30 Jun 2020.

More Details

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

Apply Now

Welcome Offer: Earn up to 50,000 miles and first year annual fee waiver Valid till 31 Dec 2020.

More Details

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

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

More Details

Annual Interest Rate	34.97%
Annual Principal Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver	N/A
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

Visa

Visa payWave

Welcome Offer

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

Welcome Offer: Get HK$500 I.T shopping vouchers with 2 complimentary movie tickets Valid till 30 Jun 2020.

More Details

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

Apply Now

Welcome Offer: Get up to HK$400 “InstaRedeem” Amount or Le Maurice® Suitcase or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers Valid till 30 Jun 2020.

More Details

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

Welcome Offer

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

Apply Now

Welcome Offer: Get up to 74,000 Asia Miles with first year annual fee waiver Valid till 30 Jun 2020.

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

Welcome Offer

Buy-1-Get-1-Free movie tickets

Citi Clear Card

Min. Annual Salary: HK$60,000
Cash back on online spending: 2%
Miles Conversion (online shopping): N/A

Apply Now

Welcome Offer: Enjoy up to HK$800 cash coupon or hotel afternoon tea set for two persons Valid till 31 Dec 2020.

More Details

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 local spend: 2%
Miles Conversion (local spend): N/A

Apply Now

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

More Details

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

Apply Now

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

More Details

DBS Eminent Visa Signature Card

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

More Details

BEA i-Titanium Card

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

More Details

HSBC Visa Signature Card

Min. Annual Salary: HK$360,000
Cash back on online spending: 5.6%
Miles Conversion (online shopping): HK$2.78 = 1 Mile

More Details

eye Credit Card

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

More Details

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

More Details

HSBC Red Credit Card

Min. Annual Salary: HK$120,000
Cash back on online spending: 4%
Miles Conversion (online spend): HK$2.5 = 1 Mile

More Details

DBS Eminent Visa Platinum Card

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

More Details

BOC i-card

Min. Annual Salary: HK$150,000
Cash back on online spending: 4%
Miles Conversion (online spend): HK$1.5 = 1 Mile

More Details

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

Annual Interest Rate	37.75%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	HK$1,000
Fee Waiver
Minimum Monthly Repayment	Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher.
Interest Free Period	56 days

Best Online Shopping Credit Cards Hong Kong

Refine Your Results

Citi Cash Back Card

Promotions

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

Promotions

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

Promotions

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

Hang Seng enJoy Card

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