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Calculators
Updated November 2019
Find the best travel / overseas spending credit cards for your vacation. Enjoy perks like lounge access, air miles, cash rebate and many other benefits. Compare & choose the best one for you.
HK$300Voucher!
$240,000
Min. Annual Salary
$3 = 1 Mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual 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$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$600 Voucher!
HK$240,000
Min. Annual Salary
N.A.
Miles Conversion (overseas spend)
2%
Cash back (overseas spend)
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual 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 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
$240,000
Min. Annual Salary
$4 = 1 mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | 36.33% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | payWave |
HK$250 Voucher!
HK$96,000
Min. Annual Salary
HK$4 = 1 Mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard contactless |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
$600,000
Min. Annual Salary
$4 = 1 mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$3,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | No |
| 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 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | N.A. |
HK$400 Voucher!
$1,000,000
Min. Annual Salary
$5 = 1 Mile
Miles Conversion (overseas spend)
N.A
Cash back (overseas spend)
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$7,800 |
| Supplementary Annual Fee | complimentary 2 supplementary cards |
| Fee Waiver | No |
| Minimum Monthly Repayment | N/A |
| Interest Free Period |
| Local Resident | HK$1,000,000 |
|---|---|
| Foreigner | HK$1,000,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N/A |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
HK$150,000
Min. Annual Salary
HK$5 = 1 mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | Yes |
| 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 |
|---|---|
| Foreigner | HK$0 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | N/A |
HK$150,000
Min. Annual Salary
N.A.
Miles Conversion (overseas spend)
0.4%
Cash back (overseas spend)
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | Yes |
| 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 |
|---|---|
| Foreigner | HK$0 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | QuickPass |
HK$150,000
Min. Annual Salary
HK$15 = 1 mile
Miles Conversion (overseas spend)
0.4%
Cash back (overseas spend)
| Annual Interest Rate | 34.49% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | Yes |
| 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 |
|---|---|
| Foreigner | HK$0 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | QuickPass |
HK$150,000
Min. Annual Salary
HK$2.78 = 1 mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | HK$0 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$200 |
| Interest Free Period | 55 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N/A |
HK$150,000
Min. Annual Salary
HK$4 = 1 mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | 36.07% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | 0 |
| Fee Waiver | Yes |
| 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 |
|---|---|
| Foreigner | HK$0 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard contactless |
HK$150,000
Min. Annual Salary
HK$6 = 1 mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,600 |
| Supplementary Annual Fee | 800 |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | HK$230 or 1% of statement balance (whichever is higher) |
| Interest Free Period |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
HK$200,000
Min. Annual Salary
HK$8 = 1 mile
Miles Conversion (overseas spend)
4%
Cash back (overseas spend)
| Annual Interest Rate | 36.70% |
|---|---|
| Principle Annual Fee | HK$3,800 |
| Supplementary Annual Fee | 1900 |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | HK$230 or 1% of statement balance (whichever is higher) |
| Interest Free Period |
| Local Resident | HK$200,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | BoC Pay |
HK$150,000
Min. Annual Salary
HK$8 = 1 mile
Miles Conversion (overseas spend)
0.4%
Cash back (overseas spend)
| Annual Interest Rate | 34.49% |
|---|---|
| Principle Annual Fee | HK$1,000 |
| Supplementary Annual Fee | HK$500 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1% of the statement balance or HK$200 (whichever is higher) |
| Interest Free Period | 55 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | N/A |
HK$150,000
Min. Annual Salary
HK$4 = 1 mile
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$1,000 |
| Supplementary Annual Fee | HK$500 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1% of the statement balance or HK$200 (whichever is higher) |
| Interest Free Period | 55 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N/A |