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Best Digital Wallet Credit Cards in Hong Kong 2025

Earn credit card rebates at no cost from digital wallets with digital wallet credit cards. Simply top up your e-wallet like PayMe or AlipayHK, and transfer the amount back to your bank account to earn air miles or cash back! Read More
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We found 11 Credit Cards for you!
Recommended
DBS Black World Mastercard
MoneySmart Exclusive
Redeem various mileage points without any fee

DBS Black World Mastercard

Welcome Offer
Up to 32,000 miles
Upon meeting overseas spending goal*
HK$2/ mile
Octopus Card AAVS Rebate
2,000 miles
Apply and redeem any of these rewards

【⚡️Unleash Your Wanderlust: HK$500 vouchers & Awesome Extras Await!】
From now until 31 August 2025, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy 5,000 SmartPoints!
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With 5,000 SmartPoints can fully redeem 🆕 2,500 Asia Miles or HK$500 vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)! Including bank welcome offer, you can enjoy up to HK$500 rewards and up to 30,000 miles!
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【📣 BREAKING: 2025 Rewards Upgrade!】 DBS lowered the spending threshold to HK$20,000 monthly (vs HK$80,000 quarterly in 2024), making it EASIER THAN EVER to earn miles on your overseas spending!

Valid until 31 Aug 2025 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

N/A
N/A
N/A
Apply and redeem any of these rewards

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,170 cash rewards】
MS Exclusive: From now until 31 August 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$970 : [Limited-time!] extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or Toshiba Free Installation & Stand Dishwasher (DWS-22AHK) (Suggested price: HK$2,898) or Samsung Galaxy Tab A9 (LTE) (Suggested price: HK$1,688) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
Citi Rewards UnionPay Card
MoneySmart Exclusive
1% Points Rebate for all local Mobile Payments

Citi Rewards UnionPay Card

Minimum Income Requirements
HK$120,000
Cashback on shopping & entertainment transactions
8.1x
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

🔥Offer Extended!【Choose Your Gift: K-Beauty Device & Premium Audio Quality!】
From 1 August until 1 September 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)
・🆕 B&O Beoplay EX Black Anthracite (Value: HK$3,678)
・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
・🆕 Plus Minus Zero XJC-G040 Cordless Cleaner (Value: HK$2,480)

Valid until 01 Sep 2025 - See more details below
Apply Now
Standard Chartered Smart Card
MoneySmart Exclusive
Up to 5% rebate｜Waive foreign exchange fee

Standard Chartered Smart Card

Cash back on spending at Klook
Up to 5%
Cash back at Designated Merchants
Up to 5%
MoneySmart Exclusive Offer
HK$2,798

【🌟August Exclusive: Apply Now for a HK$900 Cash Voucher/ Popular Rewards valued up to HK$2,398!】
From now until 31 August 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・🆕 Plus Minus Zero XQH-X020 Air Purifier (Value: HK$2,398)
・🆕 TEA CHÂTEAU Modern Tea Machine Set (Value: HK$1,838)
・[Popular on Threads!] DOSHISHA Gorilla Massager Bundle: Calf Massager (2 pcs) + Hand Massager (Value: HK$1,134)
・HK$800 Apple Store Gift Card/ PARKnSHOP Supermarket Vouchers

Valid until 31 Aug 2025 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate

Citi Cash Back Card

Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%

🔥Offer Extended!【Choose Your Gift: K-Beauty Device & Premium Audio Quality!】
From 1 August until 1 September 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)
・🆕 B&O Beoplay EX Black Anthracite (Value: HK$3,678)
・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
・🆕 Plus Minus Zero XJC-G040 Cordless Cleaner (Value: HK$2,480)

Valid until 01 Sep 2025 - See more details below
Apply Now
Mox Credit Card (Miles)
MoneySmart Exclusive
Upgraded Offer｜Best-in-town Asia Miles rewards

Mox Credit Card (Miles)

Miles Conversion
HKD4 = 1 mile
Foreign Transaction Fee
0%
MoneySmart exclusive welcome offer
Up to 52,000 miles + HKD2,300 rewards

🏖️August ONLY【Earn base rate at HKD4/mile exclusively + Spend HKD10K to Earn 15,000 miles + HKD2,300 rewards!】
New customers can use the invitation code "FLYWITHMOXMS"and spend HKD10,000 within 60 days can receive 15,000 miles, and one of the following gifts from MoneySmart:
・ [Popular!] LOJEL Rando (Frame) Medium 26" (Value: HKD2,300)
・ JBL SOUNDGEAR FRAMES Open Sound Audio Glasses (Round) (Value: HKD1,299)
・ HKD1,000 Cash via FPS (Automatically converted by 10,000 SmartPoints)
If you spend HKD50,000, You can receive extra 24,500 miles, earn along with the HKD4/mile base rate, in total you can earn up to 52,000 miles + MoneySmart rewards up to HKD2,300!

📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 31 Aug 2025 - See more details below
Apply Now
Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Miles Conversion (Digital Wallets)
HK$8/ mile
Cash back on digital wallets
N.A.

🔥Offer Extended!【Choose Your Gift: K-Beauty Device & Premium Audio Quality!】
From 1 August until 1 September 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)
・🆕 B&O Beoplay EX Black Anthracite (Value: HK$3,678)
・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
・🆕 Plus Minus Zero XJC-G040 Cordless Cleaner (Value: HK$2,480)

Valid until 01 Sep 2025 - See more details below
Apply Now
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack

Mox Credit Card (Cashback)

Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
Up to HKD4,288 rewards

COMEBACK!!【Instantly Get HKD200 + 🔥 Extra 15 Nintendo Switch Consoles Up for Grabs】
🌟 Unlimited Cashback♾ From 11 August to 20 August (11:59), 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 🎉15 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 20 Aug 2025 - See more details below
Apply Now
Citi Rewards MasterCard
MoneySmart Exclusive
3% Points on Shopping and Entertainment

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Rebate on Shopping & Entertainment Transactions
8.1X points
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

🔥Offer Extended!【Choose Your Gift: K-Beauty Device & Premium Audio Quality!】
From 1 August until 1 September 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)
・🆕 B&O Beoplay EX Black Anthracite (Value: HK$3,678)
・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
・🆕 Plus Minus Zero XJC-G040 Cordless Cleaner (Value: HK$2,480)

Valid until 01 Sep 2025 - See more details below
Apply NowApply directly on MoneySmart
Citi The Club

Citi The Club

Minimum Income Requirements
HK$120,000
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Read More
Citi Cash Back Card (Student)
Earn cashback from digital wallets

Citi Cash Back Card (Student)

N/A
N/A
N/A
Read More

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.

What is a Digital Wallet?

There is no lack of digital wallets in Hong Kong. Each of them is characterized by its own feature. Some such as PayMe provide P2P payment functions allowing users to make fund transfers while others such as Alipay HK and WeChat Pay HK provide additional functions like cross-border payment and bill payment, etc. Depending on your spending habits, some digital wallets may suit you better than others. MoneySmart has put together some information about digital wallets for you to understand their operations and the latest offers:

Which is the best Digital Wallets in Hong Kong?

There are 8 commonly used digital wallets in Hong Kong including PayMe, AlipayHK, WeChat Pay HK, BoC Pay, O! ePay, Tap and Go, UnionPay and TNG Wallet, each of them has its own unique benefits and functions:

PayMe

PayMe users don’t have to be an HSBC customer. Anyone with a Hong Kong selected bank account or a credit card can use PayMe to split the bills with friends easily in just a few taps with a mobile number no matter what local bank they are with. You can easily top up your PayMe account with a registered credit card or a bank account. What’s more, you can now pay participating merchants via PayMe in stores with the PayMe logo.

AlipayHK

AlipayHK is best for TaoBao and TMall frequent shoppers. Simply select Alipay HK in the payment method at the checkout to enjoy handling fee waiver. Besides, Alipay is a multi-functional mobile payment app, providing users with bill payment and cross-border payment service in over one million participating businesses across mainland China and Japan with a good exchange. What’s more, users can enjoy scanning ‘Quick Reward Code’ to get offers when travelling. Users can now top up through local stores, Standard Chartered Online Banking or coin carts.

WeChat Pay HK

WeChat Pay HK is the first mobile payment app allowing users to settle bills on the mainland with the Hong Kong dollar. Participating vendors include Didi Chuxing, Meituan-Dianping and railway ticketing platform 12306.cn. Purchases will be converted from RMB to HKD automatically on the app, where exchange rate quotes and automatic exchange services are available. Users can now top up through local stores, bank accounts or credit cards.

BoC Pay

BoC Pay is a multifunctional cross-border payment mobile application which enables P2P transfer function, QR code payment, bill payment and mobile payment function in the Greater Bay Area without a bank account on the mainland. Users don’t have to be BoC customers to use BoC Pay. As long as you are 18 years old with Hong Kong residency and a valid mobile number plus an email address, you can apply.

O! ePay

Octopus O! ePay is a multifunctional mobile payment app. Users can top up Octopus cards, make online purchases, and transfer funds within the apps. With O! ePay, users can manage up to 20 Octopus Cards. Users can also shop online with O! ePay Mastercard, which is a reloadable virtual Platinum prepaid card allowing users to shop globally at online merchants taking Mastercard. Users can top up an O! ePay account through Octopus card, local stores and fund transfers from Standard Chartered bank/credit card. Users can transfer funds between O!ePay and bank accounts.

Tap & Go

Tap and Go is Hong Kong's first prepaid mobile wallet incorporating both Mastercard® and UnionPay card schemes to provide payments online and at physical stores around the globe. Anyone who is 11 years old or above with Hong Kong, Macau or Mainland China mobile number can activate Tap and Go.

UnionPay

UnionPay mobile application is a one-stop mobile payment service. Users can enjoy mobile payment services in 48 countries and regions. Moreover, users can also pay simply by scanning UnionPay QR code In China alone, UnionPay QR code payment is widely accepted at over 16 million merchants.

TNG Wallet

TNG Wallet is a one-stop mobile payment app. It does not only provide person-to-person money transfer, merchant payment service but also enables users to handle foreign currency. Users can easily exchange foreign currencies and transfer money from TNG Wallet to designated countries such as the UK, Singapore and Hong Kong. Users can top up at 7-Eleven or Circle K or use a credit card or the online banking platform of participating banks such as Bank of China to top up.

Benefit of linking credit cards to digital wallets

Cardholders can connect your credit cards to digital wallets like PayMe, WeChat Pay and Alipay HK to earn extra rewards, air miles and cash rebate:

Earn Air Miles

Top up PayMe, Alipay and WeChat Pay HK with Citi Prestige Card, Citi PremierMiles Card, Standard Chartered Asia Miles Mastercard and DBS Black World MasterCard to get miles. Please be aware that the monthly PayMe top-up limit is HK$5,000 and each credit card caps the amount of miles cardholder can earn as listed above.

Earn Cashback

Top up PayMe e-wallet with Standard Chartered Simply Cash Visa Card and Citibank cards to enjoy cash rebate. Please be aware that the monthly PayMe top-up limit is HK$5,000 and each credit card caps the amount of cashback cardholder can earn as listed above.

Enjoy welcome offers at no cost

Most banks except Citibank exclude digital wallet as eligible transactions for welcome offers. New customers applying for Citibank cards can enjoy welcome gifts with no costs simply by topping up digital wallets with below amount, and transfer the money back to the bank account:
  • Credit card monthly top-up limit for PayMe: HK$2,000
  • Credit card monthly top-up limit for AlipayHK: HK$2,000
  • Credit card monthly top-up limit for WeChat Pay: HK$1,000
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Top Up Limit and Rewards of Digital Wallets

Digital WalletsMonthly Top Up Limit Monthly Rewards Limit*
PayMeHK$2,000333 miles / HK$20
AlipayHKHK$2,000333 miles / HK$20
WeChat Pay HKHK$1,000500 miles / HK$30
O! ePayHK$3,000166 miles / HK$10

*Calculated with the conversion rate HK$6/miles or 1% cashback

How PayMe works & How to use it?

PayMe is a 'Digital Wallet', designed to easily pay back your friends and family and also get paid to a Hong Kong local bank account through the apps for free. You need to top up your PayMe account with a credit card or bank account to pay and you need to have a local bank account to get paid. To be eligible to use PayMe, you need to be at least 18 years old and hold a valid HKID and Visa/MasterCard.

To sign up for PayMe, you need to:

Step 1

Step Blurb 1Download and install the apps from the Google Play Store/ App Store

Step 2

Register with a valid Facebook account/ mobile number

Step 3

Register with your personal details

Step 4

Read and agree to the T&C of the apps

Step 5

Create a password and verify your email address

Step 1

Add a top-up source (For non HSBC customers, HKID details are required)

Digital Wallet FAQ

How can I enjoy digital wallet offers?

Users can earn offers with digital wallets when spending at designated merchants. The rebate, in general, will be added to your account automatically within the apps. Some digital wallets will provide time-limited welcome offers as well such as AlipayHK and BoC Pay.

Can I use WeChat Pay or Alipay in China?

Yes, you can. Both WeChat Pay and Alipay provide cross-border payment services, which allow users to pay purchases made in China with HKD.

Can I transfer money overseas with digital wallets?

Yes. With a specific digital wallet such as TNG wallet, you can transfer money to specific countries such as Singapore, Canada and the UK.

How to earn rebates with digital wallets?

Users can earn rebates with an eligible credit card. Simply top up your digital wallets such as PayMe with an eligible credit card, then transfer the top-up amount to your bank account. In this way, you can earn rebates at no cost. It’s slightly different for Alipay HK and WeChat Pay. It’s less direct. You have to bind your credit card and transfer funds to a friend of yours first. If he/she does the same, transferring the same amount of funds to you through the digital wallets, then it will cancel out the amount of money that you send to him or her. In this way, you can earn rebates without costing you anything.

How can I know if my cards can earn rebates in digital wallets?

There is a wide range of credit cards providing rebates for digital wallets but credit card providers can change the terms and conditions at any point so you can also refer to MoneySmart website for the latest information. Depending on whether you would like to earn rebates or collect miles, you can consider using these credit cards with the highest top-up rebate including Citi Cash Back Card, Citi Prestige Card, Dah Sing British Airways Platinum Card and CCB Eye Card.

Which Digital Wallet is the best?

There is no such thing as the best digital wallet, it all depends on your spending habits and which credit card you own. For example, if you are a frequent traveller to China, Alipay or Wechat Pay offers transaction functions in China with multiple merchant offers and promotions, which will give you more benefits than other digital wallets.

Can I earn rebates with all of the digital wallets?

You can earn air miles or cash rebates by linking credit cards to most of the digital wallets, including Alipay, WeChat Pay, PayMe etc. However, not all digital wallets offer credit card rewards, take TNG wallet as an example, top-up with a credit card will cost you 2.5% of the total top-up amount as an administration fee, with no rebate rewards.

What is the difference between PayMe and FPS?

PayMe e-wallet is an app launched by HSBC with a daily transfer limit of HK$5,000. It supports instant interbank fund transfer but it takes 2-3 days for transferring the balance of PayMe to HSBC/Hang Seng bank account. FPS is an interbank fund transfer system launched by the HKMA, which is directly linked to a bank account. The daily transfer limit is HK$10,000. It also supports instant interbank fund transfer. Registration through the bank required.