Best Online Shopping Credit Cards in Hong Kong 2020

Annual Interest Rate	35.52%
Principle Annual 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

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	34.97%
Principle Annual Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	N/A
Interest Free Period	Up to 56 days

Local Resident	HK$15,000
Foreigner	HK$15,000

Card Association	MasterCard
Wireless Payment	N/A

Annual Interest Rate	33.41%
Principle Annual Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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
Foreigner	HK$0

Card Association	Visa
Wireless Payment	Visa PayWave

Annual Interest Rate	37.67%
Principle Annual Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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
Interest Free Period

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

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	35.52%
Principle Annual 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$60,000
Foreigner	HK$60,000

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	N/A
Principle Annual Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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

Card Association	Unionpay
Wireless Payment	UnionPay QuickPass, Apple Pay

Annual Interest Rate	37.67%
Principle Annual 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
Foreigner	HK$0

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	N/A
Principle Annual Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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

Card Association	Unionpay
Wireless Payment	UnionPay QuickPass, Apple Pay

Annual Interest Rate	37.67%
Principle Annual Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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

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

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	36.33%
Principle Annual Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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

Card Association	Mastercard
Wireless Payment	payWave

Annual Interest Rate	34.97%
Principle Annual Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Minimum Monthly Repayment	The Minimum Payment Amount is HK$230 / CNY230 (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$0

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	37.67%
Principle Annual Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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

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

Card Association	American Express
Wireless Payment	Amex Pay

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

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

Card Association	Visa
Wireless Payment	Visa Paywave

Annual Interest Rate	37.67%
Principle Annual Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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
Interest Free Period

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

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	35.52%
Principle Annual Fee	HK$180
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.50% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$60,000
Foreigner	HK$60,000

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	N/A
Principle Annual Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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

Card Association	Unionpay
Wireless Payment	UnionPay QuickPass, Apple Pay

Annual Interest Rate	N/A
Principle Annual Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
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

Best Online Shopping Credit Cards in Hong Kong 2019

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

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:

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.

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.

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.

Best Online Shopping Credit Cards in Hong Kong

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