Best Travel and Overseas Spending Credit Cards in HK | MoneySmart

Compare Overseas Spending Credit Cards in Hong Kong to enjoy extra air miles and cashback while spending abroad or online at the overseas website, and avoid foreign transaction fee for overseas spending! Read More
We found 39 Credit Cards for you!
Standard Chartered Smart Card
MoneySmart Exclusive
Up to 5% rebate|Waive foreign exchange fee
Cash back on spending at Klook
Up to 5%
Cash back at Designated Merchants
Up to 5%
MoneySmart Exclusive Offer
HK$2,798

【🌟Double the Excitement: Apply now and get up to HK$HK$1,998 Rewards from MoneySmart!】
From now until 31 July 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998)
・OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・🆕 Momax 1-Home Vacuum+ Cordless Vacuum Cleaner (Value: HK$1,099)
・GHD Flight+ Travel Hair Dryer (Value: HK$895)
・HK$800 Apple Store Gift Card/ PARKnSHOP Supermarket Vouchers

Valid until 31 Jul 2025 - See more details below
Apply Now
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack
Promotion ends in 12h:45m
Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
Up to HKD3,700 rewards

10 Days ONLY【Instantly Get HKD200 + 🔥 Win a Switch 2 with Low Spend/ Rewards up to HKD3,700!】
🌟 Unlimited Cashback♾ From July 4 to July 13, new customers who successfully open an account and apply for a Mox credit card with the invitation code "1200MOXMS" can get HKD200 Cash. Spend HKD2,000 within 60 days to win one of ⚡️10 Nintendo Switch 2 (worth HKD3,450), or choose from the following amazing rewards, totalling up to HKD3,700:
1. Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HKD3,700) or
2. PHILIPS ADD6901HWH01/90 RO Water Dispenser (Value: HKD1,998) or
3. HKD1,200 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher or
4. HKD1,000 Cash (automatically converted by 10,000 SmartPoints and will directly deposit to your FPS account)
*Subject to "1200MOXMS" Invitation Code Promotion Terms and Conditions.

Valid until 13 Jul 2025 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate
Promotion ends in 3 days
Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%

【July Exclusive|🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 15 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 15 Jul 2025 - See more details below
Apply Now
The Platinum Card
MoneySmart Exclusive
Family Travel Cover | 0% Cross Border Fee
Discount at Expedia/Hotels.com/Trip.com
8%
Discount at designated restaurants
Up to 7%
Discount at designated restaurants
40%

【🔥MoneySmart Exclusive: 😱 HK$3,500 CASH or New Premium Gifts Await!】
From now until 16 July 2025, apply for the Platinum Card and fulfil spending of HK$15,000 within the first 2 months, indulge in ONE of the Premium Gifts and Cash below. Hurry, this limited-time upgrade awaits!
1. 🤑 HK$3,500 Cash (automatically converted by 35,000 SmartPoints and will directly deposit into your FPS account)
2. PHILIPS ADD6921DG/90 RO Water Dispenser with instant heating and cooling (Value: HK$5,488) or
3. 🆕 Dyson Airwrap™ Multi-styler (Value: HK$4,480) or
4. Insta360 X5 Flagship 8K 360º Action Camera (Standard Bundle) (Value: HK$4,099) or
5. HK$3,500 Apple Store Gift Card
⠀⠀
Terms & Conditions Apply.

Valid until 16 Jul 2025 - See more details below
Apply Now
DBS Black World Mastercard
MoneySmart Exclusive
Redeem various mileage points without any fee
Welcome Offer
Up to 32,000 miles
Upon meeting overseas spending goal*
$2/Mile
Octopus Card AAVS Rebate
2,000 miles
Apply Now
Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access
Welcome Offer
9,000 Miles (108,000 Points)
Minimum Income Requirements
HK$120,000
Miles Conversion (overseas spend)
$3 = 1 Mile

【July Exclusive|🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 15 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 15 Jul 2025 - See more details below
Apply Now
Hang Seng MMPOWER World Mastercard®
MoneySmart Exclusive
Get up to 6% +FUN Dollars on overseas spending
Annual Fee
Perpetual annual fee waiver
+FUN Dollars rebate on Overseas foreign currencies spending
Up to 6%
+FUN Dollars rebate on Online Retail Transaction
Up to 5%%
Apply Now
Mox Credit Card (Miles)
MoneySmart Exclusive
Limited Offer|Best-in-town Asia Miles rewards
Miles Conversion
HKD4 = 1 mile
Foreign Transaction Fee
0%
MoneySmart exclusive welcome offer
Up to 16,000 miles / Up to 15,000 miles + HKD200 rewards
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions and Overseas Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

July Exclusive【Spend HK$100, Get HK$400 – Grab 4X Cash Rebate🤑】
From now until 31 July 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn HK$400 Apple Store Gift Card or HK$400 PARKnSHOP Supermarket Voucher! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!

Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
Hang Seng Travel+ Visa Signature Card
MoneySmart Exclusive
Overseas Spending up to 7% Reward
Annual Fee
Perceptual Annual Fee Waiver
+FUN Dollars Rebate on Foreign Currency Spending
Up to 7%
+FUN Dollars Rebate on Local Dining & Transportation Spending
Up to 5%
Apply Now
WeWa Visa Signature Card
MoneySmart Exclusive
Mobile Payment
Up to 4%
Annual Fee
First 2 year annual fee waiver
Specific Fun Category
Up to 4%
Apply Now
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$1.68 = 1 Mile
Miles Conversion (Eligible Local Transaction)*
HK$3 = 1 Mile
【✈️Top Pick for Beginners in Miles: Earn 1,000 Miles + HK$200 Rebate Instantly】
From now until Jul 14, both new and existing customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and make their first transaction within 3 months can enjoy 18,000 Membership Rewards® points + [Limited Time Offer] HK$200 statement credit. Spend HK$7,000 to earn a total of 126,000 Membership Rewards points, equivalent to 7,000 miles + [Limited Time Offer] up to HK$520 travel insurance welcome reward! That’s enough to fully cover the Greater Bay Area Annual Travel Insurance (Basic Plan)! If you aren’t a frequent mainland traveler, you may choose to upgrade to the worldwide annual travel insurance!
🌟Spend HK$7,000, Earn 8,000 miles - just HK$0,875/ mile + HK$720 Statement Credit!

Ready to Fly Further for Less? Supercharged earning rates:
During the welcome period, earn HK$3=1 mile on eligible local transactions, up to 1,152,000 Points, enough to redeem for 64,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!
Valid until 14 Jul 2025 - See more details below
Apply Now
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!

🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply Now
Standard Chartered Cathay Mastercard
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
MoneySmart Exclusive Offer
Up to HK$1,780

【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 July 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・🆕 OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・🆕 Momax Cymbal Wireless Charging Table with Built-In Ambience Light and Speaker (Value: HK$1,299)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 31 Jul 2025 - See more details below
Apply Now
Standard Chartered Cathay Mastercard - Priority Banking
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
MoneySmart Exclusive Offer
Up to HK$1,780

【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 July 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・🆕 OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・🆕 Momax Cymbal Wireless Charging Table with Built-In Ambience Light and Speaker (Value: HK$1,299)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 31 Jul 2025 - See more details below
Apply Now
sim Credit Card
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions and Local Transportation Transactions
Up to 8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

July Exclusive【Spend HK$100, Get HK$400 – Grab 4X Cash Rebate🤑】
From now until 31 July 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn HK$400 Apple Store Gift Card or HK$400 PARKnSHOP Supermarket Voucher! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!

Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
DBS LIVE FRESH
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Designated Online Transaction
5%
Apply Now
HSBC Visa Signature Card
MoneySmart Exclusive
Min. Annual Salary
HK$240,000
RewardCash Rebate
Up to 3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!

🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply Now
Standard Chartered Cathay Mastercard - Priority Private
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
MoneySmart Exclusive Offer
Up to HK$1,780

【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 July 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・🆕 OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・🆕 Momax Cymbal Wireless Charging Table with Built-In Ambience Light and Speaker (Value: HK$1,299)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 31 Jul 2025 - See more details below
Apply Now
WeWa Visa Platinum Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
Mobile Payment
Up to 4%
Annual Fee
First 2 year annual fee waiver
Specific Fun Category
Up to 4%
Apply Now

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Best Travel / Overseas Spending Credit Cards in Hong Kong 2025

CREDIT CARDS Travel RewardsMin. Annual Salary
HSBC Visa Signature CardEnjoy up to 9X RewardCashHK$360,000
Citi PremierMiles CardHK$3= 1 mile on foreign transactionHK$240,000
DBS Black World MastercardHK$4= 1 mile on foreign transactionHK$240,000
WeWa UnionPay Card4% cashback HK$0
Standard Chartered Asia Miles MastercardHK$4= 1 mile on foreign transactionHK$96,000
American Express Cathay Pacifit Credit CardHK$8= 1.5 miles on foreign transactionHK$150,000

Foreign Transaction Fee

Credit cardholders will be charged foreign transaction fees for transactions made in foreign countries during your travel and through online shopping. The charge ranges from 1-2%, depending on the card issuer. JCB charges 1-1.95%, American Express charges 2% while Visa/ Mastercard issued by local banks charge 1.95% for each foreign transaction.

While most of the Union Pay credit cards (excluding Hang Seng and HSBC) exempt cardholders from overseas charges, the exchange rate is usually higher than Visa/ Mastercard. Moreover, the rewards of Visa/Mastercard are often more attractive. Therefore, when deciding which credit card to use during your travel, it is not wise to only consider the transaction fee. It is best to consider all factors including transaction fee, exchange rate, card rebate, etc. to be smart with money.

Credit Card Overseas Charges- DCC Markup Fee

Credit card overseas charges do not only apply to foreign transactions made in foreign countries while travelling, and it also applies to transactions made online from your home country where the vendor is in an oversea country. Very often, merchants will provide you with the option to either pay in local currency or Hong Kong currency. If you decide to pay in Hong Kong currency, you will be charged at least a 4% DCC markup fee (Dynamic Currency Conversion (DCC) Service Charges). To avoid that, you should always pay in local currencies wherever possible.

Credit Card Travel Promotions

Hang Seng Credit Card

From now till 31 Dec 2025, you can enjoy up to 7% +FUN Dollars rebate, capped at $500 +FUN Dollars per month when registering for Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Programme and meeting accumulative monthly eligible spending requirements of HK$6,000.

BOC Credit Card

With BOC Travel Rewards Visa Signature Card, you can enjoy up to 8% rebate for overseas spending throughout the year, and a maximum of HK$500 cash rebate per month.

Things you need to know about credit cards for foreign transactions

Location Limits

Visa/ Mastercard are accepted worldwide while UnionPay is widely accepted in Asia but not in the US or Europe. It is best to check with your card issuer before travelling to make sure that your card is accepted.

UnionPay may not be the best option

Although most UnionPay credit cards offer handling fee waiver while Visa/ Mastercard charges 1.95% handling fee, it is not necessarily the most money-saving. Cardholders need to take exchange rates and rebate/mile conversion rates into account.

Travel/ Overseas Spending Credit Cards Frequently Asked Questions

Are there any charges using UnionPay credit cards overseas?

Most of the Union Pay credit cards offer overseas charges waiver except for those issued by Hang Seng and HSBC.

What currency should I use in foreign transactions?

When using a credit card overseas, it's generally recommended to choose the local currency to avoid high conversion rates and additional fees associated with Dynamic Currency Conversion (DCC) (usually 4% or more in Hong Kong) . Paying in the local currency typically results in a better exchange rate provided by your credit card company. Additionally, opt for travel-oriented credit cards that waive foreign purchase fees or offer no foreign transaction fees to save money on international transactions.

Do cardholders get the exchange rate on the day of spending?

No. It will only become visible when the transaction is actually posted, which usually takes a few days.

What do cardholders need to pay attention to on overseas spending?

It is important to bear in mind transaction fees should not be the sole factor when deciding which card to use for foreign transaction. You should also consider other factors such as exchange rate and card rebate, etc.