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Best Overseas Spending Credit Cards

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
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We found 38 Credit Cards for you!
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SCB 渣打銀行 logo
MoneySmart Exclusive
As low as HK$0.2=1 Asia Miles for welcome offer

Standard Chartered Asia Miles Mastercard

Min. Annual Salary
HK$96,000
Miles Conversion (overseas spend)
HK$4 = 1 Mile
Cash back (overseas spend)
N/A

Limited Time Offer! Apply now to get extra HK$350 Supermarket Voucher on top of welcome offer of up to 40,000 Asia Miles (As low as HK$0.2 = 1 Asia Mile)

Valid until 30 Jun 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary
HK$120,000
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
2%

Extra HK$500 voucher apply via MoneySmart!

Valid until 30 Jun 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary
HK$120,000
Miles Conversion (overseas spend)
$3 = 1 Mile
Cash back (overseas spend)
N/A

Extra HK$300 voucher apply via MoneySmart!

Valid until 30 Jun 2021 - See more details below
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中信銀行(國際) logo
MoneySmart Exclusive
Handling Fee Waiver for Overseas Spending

CNCBI GBA Dual Currency Credit Card

Min. Annual Salary
150000
Miles Conversion (overseas spend)
N.A.
Cash Back on RMB Spending(in first 6 months)
4%

Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！

Valid until 30 Jun 2021 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Miles Conversion (overseas spend)
N/A
Cash back (overseas spend)
0.40%
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Nespresso Essenza Mini coffee machine or Nintendo Switch Software Ring Fit Adventure or Nikko camping tent with sleeping bag package or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Valid until 31 Aug 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Complimentary 4th night free at any hotel

Citi Prestige Card

Min. Annual Salary
HK$600,000
Miles Conversion (overseas spend)
$4 = 1 mile
Cash back (overseas spend)
N/A

Extra HK$300 voucher apply via MoneySmart!

Valid until 30 Jun 2021 - See more details below
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AE 美國運通 logo
Bank Promo
Complimentary Plaza Premium Lounge Access

American Express Explorer™ Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (foreign currencies spending)
HK$4 = 1mile
Cash back on foreign currencies spending
1.25%
Bank Promo:
Up to HK$4,200 Welcome offer! Earn HK$300 city'super cash voucher upon successful application and first spending
Valid until 30 Jun 2021 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Enhanced Welcome Offer

The Platinum Card

Min. Annual Salary
HK$1,000,000
Miles Conversion (overseas spend)
$5 = 1 Mile
Cash back (overseas spend)
N/A

【Enhanced welcome offer】HK$1,000 Supermarket voucher from MoneySmart upon Card Approval and Enhanced welcome offer up to 600,000 points (worth HK$2,000 cash vouchers)

Valid until 30 Jun 2021 - See more details below
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安信信貸 logo
MoneySmart Exclusive

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

Min. Annual Salary
HK$0
Miles Conversion (overseas spend)
N/A
Cash back (overseas spend)
0.40%
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Nespresso Essenza Mini coffee machine or Nintendo Switch Software Ring Fit Adventure or Nikko camping tent with sleeping bag package or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate
Valid until 31 Aug 2021 - See more details below
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DBS 星展銀行 logo
Welcome Offer
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Miles Conversion (overseas spend)
$4 = 1 mile
Cash back (overseas spend)
N/A
Welcome Offer:
Get up to 50,000 miles and additional DBS$300 reward
Customer must choose to participate in the DBS$ Redemption Scheme and conduct retail and/ or overseas spending ("Eligible Spending") according to the designated condition ("Spending Condition"):
Valid until 01 Oct 2021 - See more details below
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AEON信貸財務(亞洲) logo
MoneySmart Exclusive

AEON UnionPay Credit Card

Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Miles Conversion (overseas spend)
N/A

$200 Apple Gift Card for successful applications via MoneySmart！

Valid until 30 Sep 2021 - See more details below
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大新銀行 logo

Dah Sing United MileagePlus World MasterCard

Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
HK$5 = 1 mile
Cash back (overseas spend)
N/A
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大新銀行 logo

Dah Sing Autotoll E-Serve Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
N/A
Cash back (overseas spend)
0.4%
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中國建設銀行(亞洲) logo

CCB (Asia) AIA Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
HK$15 = 1 mile
Cash back (overseas spend)
0.4%
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中國建設銀行(亞洲) logo

eye Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
HK$2.78 = 1 mile
Cash back (overseas spend)
N/A
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中國建設銀行(亞洲) logo

CCB (Asia) Hong Kong Airlines Fly Away Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
HK$4 = 1 mile
Cash back (overseas spend)
N/A
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BOC 中國銀行 logo

BOC Hong Kong Airlines Visa Platinum Card

Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
HK$6 = 1 mile
Cash back (overseas spend)
N/A
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BOC 中國銀行 logo

BOC Dual Currency Diamond Card

Min. Annual Salary
HK$200,000
Miles Conversion (overseas spend)
HK$8 = 1 mile
Cash back (overseas spend)
4%
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恒生銀行 logo

Hang Seng Platinum Visa Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
4%
Miles Conversion (oversea spend)
N/A
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交通銀行 logo

Bank of Communications FWD CUP Dual Currency Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
HK$8 = 1 mile
Cash back (overseas spend)
0.4%
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Best Travel / Overseas Spending Credit Cards in Hong Kong 2020

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

From now until 31 December 2020, HSBC Credit Cardholders can enjoy offers from 'Red Hot Online and Overseas Spending Rewards' throughout the year. HSBC Cardholders can earn 2.4% RewardCash rebate for online and overseas spending. HSBC Premier MasterCard® Credit Cardholders can enjoy an extra 2% RewardCash rebate for overseas spending. Cardholders are required to register in order to enjoy the offers.

Moreover, holders of HSBC, Standard Chartered, Hang Seng, American Express, Bank of China, Bank of East Asia, Citibank and DBS card can enjoy up to 10% off when booking through Expedia. Agoda also offers up to 10% for designated DBS, HSBC and PrimeCredit cardholders.

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 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.

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 currency should be used in foreign transactions?

If you pay in Hong Kong currency, you will be charged at least a 4% DCC markup fee. Therefore, it is not wise to pay in Hong Kong currency. You should always pay in local currency wherever possible.