Best Overseas Spending Credit Cards 2020

We found 24 Credit Cards for you!

MoneySmart Exclusive

Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary: HK$240,000
Miles Conversion (overseas spend): $3 = 1 Mile
Cash back (overseas spend): N/A

MoneySmart Exclusive: 【Limited Offer! Buy the Big Hit Dyson Electronics】HK$1,500 Sogo coupon, Extra HK$150 voucher apply via MoneySmart! Valid till 16 Jul 2020.

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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

Local Resident	HK$240,000
Foreigner	HK$360,000

Mastercard

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 or Rollink Flex 21 Foldable Suitcase + 2,000miles Valid till 31 Jul 2020.

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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

MoneySmart Exclusive

Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary: HK$240,000
Miles Conversion (overseas spend): N.A.
Cash back (overseas spend): 2%

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

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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

MoneySmart Exclusive

Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary: HK$0
Miles Conversion (overseas spend): HK$8 = 1.5 Asia Mile
Cash back (overseas spend): N/A

MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval Valid till 31 Jul 2020.

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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

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%

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.

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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

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

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$3,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$600,000
Foreigner	HK$600,000

Mastercard

MoneySmart Exclusive

Enjoy premium travel offers

The Platinum Card

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

MoneySmart Exclusive: HK$1,500 Cova Gift Card! Valid till 31 Jul 2020.

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Annual Interest Rate	N/A
Annual Principal Fee	HK$7,800
Supplementary Annual Fee	complimentary 2 supplementary cards
Fee Waiver
Minimum Monthly Repayment	N/A

Local Resident	HK$1,000,000
Foreigner	HK$1,000,000

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
Miles Conversion (overseas spend): N/A
Cash back (overseas spend): 0.40%

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

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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

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

MoneySmart Exclusive: HK$300 Supermarket Vouchers Valid till 31 Jul 2020.

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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 HKD/CNY220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000

Mastercard

Mastercard contactless

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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Annual Interest Rate	35.70%
Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Minimum Monthly Repayment	Balance over HK$200: all charges plus 1% of total outstanding balance; under HK$200: the statement balance
Interest Free Period	60 Days

Local Resident	HK$150,000

Mastercard

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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Annual Interest Rate	35.70%
Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Minimum Monthly Repayment	Balance over HK$200: all charges plus 1% of total outstanding balance; under HK$200: the statement balance
Interest Free Period	60 Days

Local Resident	HK$150,000

Unionpay

UnionPay QuickPass

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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Annual Interest Rate	34.49%
Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Minimum Monthly Repayment	Interest and fees and charges plus 1% of outstanding principal, plus any overlimit amount and past due amount (min. HK$200)
Interest Free Period	55 Days

Local Resident	HK$150,000

Unionpay

UnionPay QuickPass

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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Annual Interest Rate	N/A
Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Minimum Monthly Repayment	HK$200
Interest Free Period	55 days

Local Resident	HK$150,000

Visa

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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Annual Interest Rate	36.07%
Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Minimum Monthly Repayment	Interest and fees and charges plus 1% of outstanding principal, plus any overlimit amount and past due amount (min. HK$200)
Interest Free Period	55 Days

Local Resident	HK$150,000

Mastercard

Mastercard contactless

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 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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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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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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Bank of Communications FWD 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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Hang Seng Platinum Master Card

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

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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.

Annual Interest Rate	36.70%
Annual Principal Fee	HK$3,800
Supplementary Annual Fee	HK$1,900
Fee Waiver	N/A
Minimum Monthly Repayment	HK$230 or 1% of statement balance (whichever is higher)

Annual Interest Rate	38.37%
Annual Principal Fee	HK$1,500
Fee Waiver
Minimum Monthly Repayment	"The Minimum Payment Amount is HKD300 / 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

Annual Interest Rate	N/A
Annual Principal Fee	HK$1,000
Supplementary Annual Fee	HK$500
Fee Waiver
Minimum Monthly Repayment	1% of the statement balance or HK$200 (whichever is higher)
Interest Free Period	55 days

CREDIT CARDS	Travel Rewards	Min. Annual Salary
HSBC Visa Signature Card	Enjoy up to 9X RewardCash	HK$360,000
Citi PremierMiles Card	HK$3= 1 mile on foreign transaction	HK$240,000
DBS Black World Mastercard	HK$4= 1 mile on foreign transaction	HK$240,000
WeWa UnionPay Card	4% cashback	HK$0
Standard Chartered Asia Miles Mastercard	HK$4= 1 mile on foreign transaction	HK$96,000
American Express Cathay Pacifit Credit Card	HK$8= 1.5 miles on foreign transaction	HK$150,000

Best Overseas Spending Credit Cards

Refine Your Results

Citi PremierMiles Card

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

DBS Black World Mastercard

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Cash Back Card

Promotions

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

American Express Cathay Pacific Credit Card

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

WeWa UnionPay Card

Promotions

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Prestige Card

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

The Platinum Card

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

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

Promotions

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Standard Chartered Asia Miles Mastercard

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Dah Sing United MileagePlus World MasterCard

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Dah Sing Autotoll E-Serve Credit Card

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

CCB (Asia) AIA Credit Card

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

eye Credit Card

Overseas Spending Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

CCB (Asia) Hong Kong Airlines Fly Away Credit Card

Overseas Spending Features

Annual Interest Rate and Fees