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 37 Credit Cards for you!
Standard Chartered logo
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
5%
cash back on local spend
5%
MoneySmart Exclusive Offer
HK$2,788

【SmartPoints - Your Rewards Your Choice】From now until 2 April 2024, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get SONY WF-1000XM5 earbuds (value: HK$2,490) or 12,000 SmartPoints and free to redeem HK$1,200 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)! SmartPoints can be converted into cash and cashed out directly!

Valid until 02 Apr 2024 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
60,000 Miles

【SmartPoints - Your Rewards Your Choice】From now until 2 April 2024, new Cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get DENON PerL earbuds (value: HK$1,580) or 9,000 SmartPoints and free to redeem HK$900 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)! SmartPoints can be converted into cash and cashed out directly!

Valid until 02 Apr 2024 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Redeem various mileage points without any fee
Min. Annual Salary
HK$240,000
Miles Conversion (overseas spend)
$4 = 1 mile
Cash back (overseas spend)
HK$6 = 1 mile

Quick! Apply Today for Exclusive HomePod mini!From now until 31 March 2024, customers who successfully apply for DBS Blackworld Mastercard via MoneySmart, can enjoy a HomePod mini (retail price: HK$749) or HK$500 Apple Store Gift Card/ Klook Voucher/ PARKnSHOP Supermarket Voucher! You can also earn the bank welcome offer of up to 42,000 miles at the same time!

Valid until 31 Mar 2024 - See more details below
Apply Now
American Express logo
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$2 = 1 Mile
Miles Conversion (Eligible Local Transaction)*
HK$4.5 = 1 Mile
【Get an extra HK$600 Statement Credit!】+Up to 74,000 Miles Welcome Offer in Town!
From now on until 31 March 2024, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 18,000 American Express Membership Rewards points and additional reward of 🔥HK$600 statement credit upon the first transaction within the first 3 months, and gain another 108,000 American Express Membership Rewards points and additional reward of 🔥54,000 American Express Membership Rewards points upon the qualified spending of HK$7,000 within the first 3 months.

In total, customers can earn up to HK$600 statement credit and 180,000 American Express Membership Rewards points, equivalent to 10,000 miles - Earn 1.43 miles for every dollar spent! Plus, you can enjoy 8 complimentary access to Plaza Premium Lounges all over the world for a whole year!


Zoom to Japan, Korea, and Taiwan with Lightning Speed! Earn HK$2=1 mile on eligible foreign currency transactions, up to 720,000 Points, enough to redeem for 40,000 miles. Plus, earn HK$4.5=1 mile on eligible local transactions, up to 432,000 Points, enough to redeem for 24,000 miles. That's a potential of up to 64,000 bonus miles!
Valid until 31 Mar 2024 - See more details below
Apply Now
PrimeCredit logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra $200 vouchers from MoneySmart?  From now until 2 April 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in theRewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)



PrimeCredit x MoneySmartSuccessfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Sony Truly Wireless Headphones LinkBuds S or Samsung Galaxy Watch4 40mm (Bluetooth) or B&O Beosound Explore Bluetooth Speaker (Black Anthracite) 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 (Exclusive reward will be fulfilled by PrimeCredit)

Valid until 02 Apr 2024 - See more details below
Apply Now
AEON Credit Service logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%

【Limited Time Offer】From now until 31 March 2024, apply for the AEON CARD WAKUWAKU through MoneySmart, you can exclusively enjoy extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc). Alternatively, you can convert them into HK$200 cash and cash out directly! Click here to explore limitless possibilities (T&C applied)!



New AEON Customers successfully applied AEON CARD WAKUWAKU through “AEON HK” Mobile App and input the welcome offer code “MSWAKU” to enjoy an extra HK$200 cash rebate (Offer by AEON) and up to 16% cash rebate + HK$400 cash rebate! Enjoy a 6% cash rebate on online spending! Earn 3% cash rebate on purchases in Japan and enjoy waived transaction fees on foreign currency transactions (except charges imposed by Cards Associations)!

Valid until 31 Mar 2024 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
80,000 miles

【SmartPoints - Your Rewards Your Choice】From now until 2 April 2024, new Cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get DENON PerL earbuds (value: HK$1,580) or 9,000 SmartPoints and free to redeem HK$900 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)! SmartPoints can be converted into cash and cashed out directly!

Valid until 02 Apr 2024 - See more details below
Apply Now
Fubon Bank logo
Bank Promo
Min. Annual Salary
HK$60,000
Online Cash Rebate
4%
Overseas transaction rewards
8%
Bank Promo:
From now until 1 March 2024, successfully apply for Fubon Visa Platinum Credit Card through MoneySmart, with promotional code "MoneySmart", and spend HK$5,800 or above within the first 3 months from the date of card issuance to enjoy the cash rebate up to HK$500. You can get an extra HK$100 Supermarket Coupon for applying via Fubon GO or online application form.
Earn up to HK$1,060 cash rebate with up to HK$460 overseas transaction!
Valid until 31 Mar 2024 - See more details below
Apply Now
sim logo
MoneySmart Exclusive
8% cashback on online retail transactions*
Cashback on Online Retail Transactions
8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

【🔓UNLOCK EPIC REWARDS: Earn a HomePod Mini or HK$500 Cash Coupon - Take your pick!】
From now until 31 March 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a HomePod mini (Retail Price: HK$749) or HK$500 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! Including the sim welcome offer of HK$500, you can enjoy up to HK$1,249 rewards in total!



💡Quick Reminder: Speed up your approval process - After completing your online application, please screenshot your reference ID (which should be 88-XXXXXXXXX-X-03XX-thesim), and conduct digital ID verification on the sim Credit Card App. Complete the verification within 3 hours after application, and sim will offer an additional HK$50 cash rebate!

Valid until 31 Mar 2024 - See more details below
Apply NowApply directly on MoneySmart
Standard Chartered logo
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
100,000 miles

【SmartPoints - Your Rewards Your Choice】From now until 2 April 2024, new Cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get DENON PerL earbuds (value: HK$1,580) or 9,000 SmartPoints and free to redeem HK$900 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)! SmartPoints can be converted into cash and cashed out directly!

Valid until 02 Apr 2024 - See more details below
Apply Now
China CITIC Bank International logo
Min. Annual Salary
HK$96,000
All year round Cash rebate on WeChat HK Wallet, UnionPay App and RMB Spending
4%
Basic Cash Back
0.5%
Read More
Citibank logo
Citi Welcome Offer: 30,000 Miles
Minimum Income Requirements
HK$600,000
Miles Conversion (overseas spend)
$4 = 1 mile
Cash back (overseas spend)
N/A
Read More
DBS logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Designated Cash Back for Online Transaction
6%

From now until 31 March 2024, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Voucher or HK$200 ParknShop Voucher! 

Valid until 31 Mar 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Limited Time Offer
HK$1,000
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Read More
PrimeCredit logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra $200 vouchers from MoneySmart?  From now until 2 April 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in theRewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)



PrimeCredit x MoneySmartSuccessfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Sony Truly Wireless Headphones LinkBuds S or Samsung Galaxy Watch4 40mm (Bluetooth) or B&O Beosound Explore Bluetooth Speaker (Black Anthracite) 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 (Exclusive reward will be fulfilled by PrimeCredit)

Valid until 02 Apr 2024 - See more details below
Apply Now
AEON Credit Service logo
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash back on selected merchants
5%
Apply Now
Citibank logo
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
Read More
American Express logo
MoneySmart Exclusive
Enhanced Welcome Offer
Miles Conversion (Overseas Spending)
HK$6 = 1 Mile
Discount at designated restaurants
HK$9 = 1 Mile
Discount at designated restaurants
40%
【The Ultimate Choice for High-Spending Mileage: New Year New Offer - Enjoy up to 55,555 Miles!】
From now till March 21, 2024, customers who successfully apply for the Platinum Card via MoneySmart and complete the first transaction within the first 3 months, can earn 100,000 Membership Rewards points; With aggregate spending of HK$50,000 can enjoy an extra 900,000 Membership Rewards points! Up to 1,000,000 Membership Rewards points in total!


Equivalent to HK$3,333 statement credit or HK$6,666 travel credit or 55,555 air miles, which is sufficient to redeem round trip tickets to Japan for two or round trip tickets to Europe!
Valid until 20 Mar 2024 - See more details below
Apply Now
American Express logo
MoneySmart Exclusive
Uncapped 1% rebate on foreign currencies expenses
Annual Principal Fee
Annual Fee Waiver in First Year
Foreign Currency Spending Bonus
Up to 3X points^
Local Spending Bonus
Up to 2X points^

🌟Exclusive limited Time Offer: Enjoy welcome offers up to HK$3,300 plus first-year annual fee waiver!
Successfully apply for the American Express Gold Business Card now to get HK$500 PARKnSHOP supermarket voucher OR 🆕 5,000 SmartPoints, you can customise your PERFECT REWARDS with 20+ brand vouchers and products, including but not limited to Apple, UBER and Lane Crawford! Click here to explore limitless possibilities (T&C applied)! With the original HK$2,800 welcome offers, total welcome offers could add up to HK$3,300!



【Enjoy HK$700 rewards upon first transaction】From now til 31 Mar 2024, customers who successfully apply for the American Express Gold Business card through MoneySmart and complete the first transaction within the first three months can receive HK$200 statement credit + HK$500 rewards (5,000 SmartPoints / HK$500 PARKnSHOP supermarket voucher/ Apple Store Gift Card)!



【Double You Spending Power: Get HK$1,000 for HK$1,000 Spent!】Customers who successfully apply for the American Express Gold Business Card through MoneySmart and make accumulated spending of HK$1,000 within the first three months, can receive HK$1,000 statement credit!



【Welcome Bonus Rewards】By accumulating a total of HK$45,000 in spending within the first three months, you can enjoy an additional 315,000 points (which can be redeemed for HK$1,050 Pay with Points or 17,500 miles)!

Valid until 31 Mar 2024 - See more details below
Apply Now
China CITIC Bank International logo
Min. Annual Salary
HK$96,000
Cash Back on Dining, Online and Foreign Currency Spending
6%
Annual Fee Wavier
First-Year
Read More

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Best Travel / Overseas Spending Credit Cards in Hong Kong 2023

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 until 31 December 2022, spend HK$5,000 or above with the registered Hang Seng Credit Card including Hang Seng Visa Infinite Card / Hang Seng Prestige World to enjoy up to 6% Cash Dollars rebate.

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.