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!
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We found 53 credit cards for you!
⚡【7-Day Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,999 +Trip.com Promo Codes! 🎉】
From now until 17 August 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 30 September 2026) can receive one of the following rewards:
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
💳 HK$2,200 Apple Store Gift Card / HK$2,400 PlayStation Store Digital Voucher / ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300 or
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 17 Aug 2026
【☀️Catch the Final Wave of Summer Rewards】Spend HK$100 to Unlock HK$1,000 Vouchers or Travel Rewards Worth Up to HK$3,700!
Make the most of the final weeks of summer. From now until 31 August 2026, new and existing credit card customers who successfully apply for Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate eligible retail spending of HK$100 within 30 days after card issuance can choose 1 exclusive reward — perfect for online travel bookings, shopping for travel gear, or upgrading your airport experience.
🎁 New Customers can enjoy one of the rewards below:
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers or
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700, random color) or
・4 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total Value: HK$2,600) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
*Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. HKG bonus: choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
✨ Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)
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【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 31 Aug 2026
⏰ 8 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 19 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
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【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 19 Aug 2026
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【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Welcome Offer Up to $1,450 RewardCash】
🌟From now until 31 August 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
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Successfully apply for the card and complete designated tasks🌟 Enjoy bank welcome offer up to $1,450 RewardCash
Valid till 31 Aug 2026
【😍 August Special: Spend HK$100, Get HK$600+ Rewards or Travel Essentials! 🏝️】
From now until 31 August 2026, customers who successfully apply for Hang Seng Travel+ Visa Signature Card via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can 🌟choose 1 from the following gifts :
🎁 New Customers can enjoy one of the rewards below:
・2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300) or
・BRUNO Worldwide Portable Clothes Dryer BAK817 + BRUNO Multi Travel Pot (110V/220V) BAK810 (Value: HK$796, random color) or
・HK$600 Apple Store Gift Card / HKTVmall e-Vouchers⠀⠀
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas)
🎁 Existing Customers can also enjoy one of the rewards below:
・HK$300 Apple Store Gift Card / HKTVmall e-Vouchers or
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
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【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 31 Aug 2026
✨ Limited-Time Welcome Offer【New American Express Platinum Cardmembers Can Earn Up to 1,320,000 Membership Rewards points + HK$50 Rebate!】
From now until 31 August 2026, new Cardmembers^ who successfully apply for The Platinum Card® from American Express via MoneySmart and spend HK$60,000 in eligible purchases (local or foreign currency) within the first 6 months after card approval can earn 660,000 Membership Rewards points!
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Earn an extra HK$50 statement credit upon a single Octopus top-up transaction of HK$600 on iPhone, Apple Watch or Android device in the first 3 months.
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In addition, new Cardmembers who make any eligible purchase during months 15 to 17 after card approval can earn an extra 660,000 Membership Rewards points.
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Terms and conditions apply.
Valid till 31 Aug 2026
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🔥 5-Day Only Best Offer in Town! Earn Extra HK$200 Cash【Spending requirement lowered to HKD2,000, Enjoy up to HKD3,890 rewards plus free shipping!】
New customers who successfully open an account and apply for a Mox credit card using the MoneySmart referral code "MOXFLASHMS1" can enjoy:
1️⃣ [MS ONLY!] HK$200 Cash Directly via FPS + Trip.com 8% Hotel Bookings Promo Code + Trip.com HK$100 Flights Promo Code or HK$100 Buy&Ship New Member Exclusive Consolidated Shipping Cash Voucher (Fulfilled by MoneySmart);
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2️⃣ 〖🔥50% Rebate - Limited Time Offer〗Spend HKD2,000 or more within 30 days of card approval to get enjoy one of the following🎁 rewards:
・DELSEY SHADOW 5.0 75 CM 4 Double Wheels Expandable Trolley — Suggested Retail Price: HK$3,890
・Marshall Emberton II Portable Bluetooth Speaker — Black & Brass — Suggested Retail Price: HK$1,499
・Apple AirPods 4 — Suggested Retail Price: HK$1,099
・Wellcome HK$1,000 E-Shopping Vouchers
(Fulfilled by Mox)
🚀 "Fastest-in-Town" Welcome Gift Redemption: Once fulfilled the spending requirement, you will receive a gift redemption email immediately --> Redeem your gift with same-day free delivery!
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3️⃣ Deposit HKD50,000 or above into your current account within 30 days of account opening, maintain the balance for 60 days or more and have your Mox credit card approved to enjoy 💰 an additional HKD500 cash rebate!
*Subject to "MOXFLASHMS1" Invitation Code Promotion Terms and Conditions.
Valid till 16 Aug 2026
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【🌟August Exclusive: Apply to Earn HK$800 Cash Vouchers】
From now until 31 August 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
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【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 31 Aug 2026
⏰ 8 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 19 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
⠀⠀
【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 19 Aug 2026
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【⚡️Unleash Your Wanderlust: 5,000 SmartPoints for Rewards of Your Choice!】
From now until 31 August 2026, 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 HK$500 e-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, up to 32,000 miles or DAYCROWN - 28" Front-Opening suitcase (fulfilled by DBS)!
Valid till 31 Aug 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 August 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 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 can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 31 Aug 2026
⚡【7-Day Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,999 +Trip.com Promo Codes! 🎉】
From now until 17 August 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 30 September 2026) can receive one of the following rewards:
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
💳 HK$2,200 Apple Store Gift Card / HK$2,400 PlayStation Store Digital Voucher / ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300 or
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀
【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 17 Aug 2026
【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Welcome Offer Up to $1,000 RewardCash】
🌟From now until 31 August 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
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Successfully apply for the card and complete designated tasks🌟 Enjoy bank welcome offer up to $1,000 RewardCash
Valid till 31 Aug 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】
From now until 20 August 2026, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and fulfil the spending requirement within the first 3 months can earn up to 26,000 miles—enough to redeem a round-trip flight to Japan ✈️ Plus an additional HK$500 statement credit upon completing their first transaction within 3 months after card issuance and HK$50 statement credit for a single HK$600 Octopus top-up.
🌟 Spend HK$8,000 to earn 8,000 miles — that’s just HK$1 per mile!
Spend a total of HK$30,000 to earn 468,000 Membership Rewards points, equivalent to 26,000 miles.
Terms and conditions apply.
Promotion valid until 20 August 2026
🤩 Ready to Fly Further for Less? Supercharged earning rates:
Year-Round Exclusive Offer with no minimum spending requirement! Earn HK$3=1 mile on eligible local transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid till 31 Dec 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 August 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 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 PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 31 Aug 2026
🔥 5-Day Only Best Offer in Town! Earn Extra HK$200 Cash【Spending requirement lowered to HKD2,000, Enjoy up to HKD3,890 rewards plus free shipping!】
New customers who successfully open an account and apply for a Mox credit card using the MoneySmart referral code "MOXFLASHMS1" can enjoy:
1️⃣ [MS ONLY!] HK$200 Cash Directly via FPS + Trip.com 8% Hotel Bookings Promo Code + Trip.com HK$100 Flights Promo Code or HK$100 Buy&Ship New Member Exclusive Consolidated Shipping Cash Voucher (Fulfilled by MoneySmart);
⠀⠀
2️⃣ 〖🔥50% Rebate - Limited Time Offer〗Spend HKD2,000 or more within 30 days of card approval to get enjoy one of the following🎁 rewards:
・DELSEY SHADOW 5.0 75 CM 4 Double Wheels Expandable Trolley — Suggested Retail Price: HK$3,890
・Marshall Emberton II Portable Bluetooth Speaker — Black & Brass — Suggested Retail Price: HK$1,499
・Apple AirPods 4 — Suggested Retail Price: HK$1,099
・Wellcome HK$1,000 E-Shopping Vouchers
(Fulfilled by Mox)
🚀 "Fastest-in-Town" Welcome Gift Redemption: Once fulfilled the spending requirement, you will receive a gift redemption email immediately --> Redeem your gift with same-day free delivery!
⠀⠀
3️⃣ Deposit HKD50,000 or above into your current account within 30 days of account opening, maintain the balance for 60 days or more and have your Mox credit card approved to enjoy 💰 an additional HKD500 cash rebate!
*Subject to "MOXFLASHMS1" Invitation Code Promotion Terms and Conditions.
Valid till 16 Aug 2026
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From now until 31 August 2026, customers who successfully apply for DBS Live Fresh Card via MoneySmart, can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
Valid till 31 Aug 2026
【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Welcome Offer Up to $1,000 RewardCash】
🌟From now until 31 August 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks🌟 Enjoy bank welcome offer up to $1,000 RewardCash
Valid till 31 Aug 2026
⏰ 8 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 19 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
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【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 19 Aug 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 August 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 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 can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 31 Aug 2026
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.
Best Travel / Overseas Spending Credit Cards in Hong Kong 2025
| CREDIT CARDS | Travel Rewards | Min. Annual Salary |
|---|---|---|
| CREDIT CARDS HSBC Visa Signature Card | Travel RewardsEnjoy up to 9X RewardCash | Min. Annual SalaryHK$360,000 |
| CREDIT CARDS Citi PremierMiles Card | Travel RewardsHK$3= 1 mile on foreign transaction | Min. Annual SalaryHK$240,000 |
| CREDIT CARDS DBS Black World Mastercard | Travel RewardsHK$4= 1 mile on foreign transaction | Min. Annual SalaryHK$240,000 |
| CREDIT CARDS WeWa UnionPay Card | Travel Rewards4% cashback | Min. Annual SalaryHK$0 |
| CREDIT CARDS Standard Chartered Asia Miles Mastercard | Travel RewardsHK$4= 1 mile on foreign transaction | Min. Annual SalaryHK$96,000 |
| CREDIT CARDS American Express Cathay Pacifit Credit Card | Travel RewardsHK$8= 1.5 miles on foreign transaction | Min. Annual SalaryHK$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 Welcome Offers - MoneySmart Exclusive
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| Citi Cash Back Card |
| HK$2,400 Vouchers / Rewards Up to HK$6,999 | 12 Aug 2026 till 17 Aug 2026 |
| HSBC EveryMile Credit Card |
| Trip.com Promo Codes + HK$650 Reward | 4 Aug 2026 till 31 Aug 2026 |
| Standard Chartered Smart Card |
| Up to HK$1,970 Rewards | 12 Aug 2026 till 31 Aug 2026 |
Content on this page is generated or assisted by AI. While we strive for accuracy, AI can make mistakes. We recommend independently verifying critical information before taking action.
Things you need to know about credit cards for foreign transactions
Location Limits
UnionPay may not be the best option
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.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.