Best Overseas Spending Credit Cards 2020

MoneySmart Exclusive

Citi PremierMiles Card

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

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MoneySmart Exclusive: Successful application through MoneySmart Extra HK$150 coupon Valid till 30 Apr 2020.

Welcome offer up to 9,000 Miles (108,000 Points) Or Afternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate

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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

DBS Black World Mastercard

Min. Annual Salary: HK$240,000
Miles Conversion (overseas spend): $4 = 1 mile
Cash back (overseas spend): N/A

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Promotion: Welcome offer up to 80,000 miles Valid till 31 Dec 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

Citi Cash Back Card

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

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MoneySmart Exclusive: Successful application through MoneySmart Extra HK$150 coupon Valid till 30 Apr 2020.

Welcome offer up to HK$1,000 cash rebate Or Afternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate

More Details

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

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

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MoneySmart Exclusive: HK$100 Voucher! Valid till 31 Mar 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

MoneySmart Exclusive

WeWa UnionPay Card

Min. Annual Salary: HK$0
Miles Conversion (overseas spend): N/A
Cash back (overseas spend): 0.40%

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MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate. Valid till 14 May 2020.

Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or HK$500 Cash Rebate or Ocean Park SmartFun Annual Pass (Gold Pass)

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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

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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Welcome offer 20,000 miles (240,000 points) + Complimentary 4th night at any hotel + Complimentary global airport lounge access!

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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

The Platinum Card

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

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MoneySmart Exclusive: HK$300 Voucher! Valid till 31 Mar 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

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%

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MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate. Valid till 14 May 2020.

Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or HK$500 Cash Rebate or Ocean Park SmartFun Annual Pass (Gold Pass)

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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

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

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Welcome offer up to 40,000 Asia Miles (As low as HK$0.2 = 1 Asia Mile)

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Annual Interest Rate	33.41%
Annual Principal Fee	HK$1,800
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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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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ICBC Global Travel Platinum MasterCard

Min. Annual Salary: HK$250,000
Miles Conversion (overseas spend): HK$6 = 1 mile
Cash back (overseas spend): 0.5%

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ICBC Horoscope UnionPay Dual Currency Diamond Card

Min. Annual Salary: HK$250,000
Miles Conversion (overseas spend): N/A
Cash back (overseas spend): 1.5%

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ICBC | LINE FRIENDS Visa Signature Card

Min. Annual Salary: HK$250,000
Miles Conversion (overseas spend): N/A
Cash back (overseas spend): 1.5%

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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	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

Annual Interest Rate	36.76%
Annual Principal Fee	N/A
Supplementary Annual Fee	HK$950
Fee Waiver	N/A
Minimum Monthly Repayment	HK$50
Interest Free Period	Up to 55 days

Annual Interest Rate	31.89%
Annual Principal Fee	HK$1,000
Supplementary Annual Fee	HK$500
Fee Waiver
Minimum Monthly Repayment	HK$50
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

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

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)

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

Minimum Income Requirements

Card Association

Wireless Payment