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 54 credit cards for you!
🚨 Double 11 Frenzy【Up to HK$3,100 Cash Rewards for a Limited Time + Play to Win a PS5 + GTA 6 at No Extra Cost 🎮】
From 11 November to 30 November 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes “MOXFLASHMS3”, “MOXPHONEMS” or “MOXTAXMS” can enjoy:
⠀⠀
1️⃣ On approval, no spending required (choose one)
・"MOXFLASHMS3" or “MOXPHONEMS”: an extra HK$200 Cash (deposited directly into your FPS account) or HK$200 Apple Store Gift Card; OR
・"MOXTAXMS": an extra HK$500 Cash (deposited directly into your FPS account) or HK$500 Apple Store Gift Card (fulfilled by MoneySmart;)
⠀⠀
2️⃣ Spend or pay tax at the designated amount within 30 days of card approval to unlock a popular reward (choose one):
・🍎 “MOXFLASHMS3” - Spend HK$2,000: HK$1,200 Cash (deposited directly into your FPS account) / HK$1,300 Apple Store Gift Card / TP-Link Tapo RV30 Max Plus Gen 2 Robot Vacuum & Mop + Compact Auto-Empty Dock (Value: HK$2,299) / Round-trip air ticket from Hong Kong to Taipei for one person on STARLUX Airlines (excluding fuel surcharges and taxes) ✈️
・📱 “MOXPHONEMS” - Spend HK$9,000: HK$2,000 Cash (deposited directly into your FPS account) / HK$2,100 Apple Store Gift Card / Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490, random color) / SONY WH-1000XM6 Wireless Noise Cancelling Headphones (Value: HK$3,699)
・🏦 “MOXTAXMS” - Pay a tax bill of HK$10,000 or above: HK$400 Cash (fulfilled by Mox), PLUS a 100% interest rebate of up to HK$5,000 when you apply for and get approved for a 3-11-month Split Purchase plan on those tax payments and set it up on or before 1 April 2027 (fulfilled by Mox)! Reminder: You must choose “Mox Credit” to pay your tax bill in order to apply for Split Purchase afterward!
⠀⠀
3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days: an additional HK$500 Cash Rebate (fulfilled by Mox)
*Subject to the Terms and Conditions of the “MOXFLASHMS3” / "MOXPHONEMS"/ “MOXTAXMS” invitation code promotion.
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【🎮 Double 11 Rewards on Rewards: Bag the Best Deals & Earn More!】 Play and Win a PS5 + GTA 6 Bundle 🔥!
During the Promotion Period, customers who apply and get a Mox Credit Card approved with any designated MoneySmart invitation code and fulfil the designated spending can participate in the “Bag the Deals” mini game on the campaign page, submit the score in the reward redemption form. The Eligible Participants with the highest scores will have a chance to win a 🔥 SONY PlayStation 5 Digital Edition 825GB (Slim Version) + PS5 Grand Theft Auto VI Game Software (Code in Box) (Standard Version) (Value: HK$4,825). Insta360 Ace Pro 2 Action Camera, Cambridge Audio speakers, GTA VI and cash prizes are up for grabs too!
Valid till 30 Nov 2026
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⏰ Limited-Time Welcome Upgrade: New American Express Platinum Card Members Enjoy Up to HK$5,250 in Statement Credit!
From 2 November 2026 to 30 November 2026, new Card Members^ who successfully apply for the American Express Platinum Card via MoneySmart and accumulate eligible spending of HK$60,000 within the first 6 months of card approval (local or foreign currency spending both count) will receive [🚀 New Upgrade] HK$3,000 HK$2,200 Statement Credit! Top up Octopus with a single net transaction of HK$600 or above within the first 3 months to receive an additional HK$50 Statement Credit.
💡That said, complete both requirements above, and you can earn HK$3,050 in Statement Credit upfront!
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In addition, Card Members who complete any eligible spending of any amount during months 15 to 17 will receive an extra 660,000 American Express Membership Rewards points, equivalent to HK$2,200 Statement Credit or 36,666 miles.
Subject to Terms and Conditions.
Valid till 30 Nov 2026
⚡ November Exclusive Deal【🔥Earn HK$900 Cash/ Up to HK$2,600 Rewards】
From now until 30 November 2026, customers who successfully apply for sim World Mastercard®️ via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can enjoy one of the following gifts (choose 1 out of 7) 🎁 :
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$2,600)
・POLAROID Now Generation 3 i-Type Instant Camera (Value: HK$1,199, random color)
・Apple AirPods 5 (Value: HK$1,099)
・Apple HomePod mini 2 (Value: HK$1,099, random color)
・HK$1,000 Apple Store Gift Card / ParknShop e-Vouchers
・HK$900 Cash via FPS (automatically converted by 9,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
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💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!
Valid till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 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 31 December 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
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
⠀⠀⠀
【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
⠀⠀⠀
【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
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✨【PrimeCredit x MoneySmart Exclusive! Welcome Offer up to HK$500 cash rebate + Marshall Speaker + Exclusive PrimeCredit Welcome Gifts!】✨
From 9 November until 15 November 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 or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn an extra Marshall Emberton II Portable Speaker (MHP-96786), plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．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)
⠀⠀
See more reward details below
Valid till 15 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 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 31 December 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
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
⠀⠀⠀
【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
⠀⠀⠀
【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】
From now until 20 November 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.
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🌟 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 November 2026
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Refer a friend and get a rewarded — From now until November 11, 2026, for every successful referral of a New Cardmember, to earn 108,000 Membership Rewards points as referral bonus equivalent to 6,000 miles.
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🤩 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 HKD transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid till 20 Nov 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$2,100 cash rewards】
MS Exclusive: From now until 30 November 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 or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/ Apple/ Samsung 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$1,800 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)
⠀⠀
See more reward details below
Valid till 30 Nov 2026
🚨 Double 11 Frenzy【Up to HK$3,100 Cash Rewards for a Limited Time + Play to Win a PS5 + GTA 6 at No Extra Cost 🎮】
From 11 November to 30 November 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes “MOXFLASHMS3”, “MOXPHONEMS” or “MOXTAXMS” can enjoy:
⠀⠀
1️⃣ On approval, no spending required (choose one)
・"MOXFLASHMS3" or “MOXPHONEMS”: an extra HK$200 Cash (deposited directly into your FPS account) or HK$200 Apple Store Gift Card; OR
・"MOXTAXMS": an extra HK$500 Cash (deposited directly into your FPS account) or HK$500 Apple Store Gift Card (fulfilled by MoneySmart;)
⠀⠀
2️⃣ Spend or pay tax at the designated amount within 30 days of card approval to unlock a popular reward (choose one):
・🍎 “MOXFLASHMS3” - Spend HK$2,000: HK$1,200 Cash (deposited directly into your FPS account) / HK$1,300 Apple Store Gift Card / TP-Link Tapo RV30 Max Plus Gen 2 Robot Vacuum & Mop + Compact Auto-Empty Dock (Value: HK$2,299) / Round-trip air ticket from Hong Kong to Taipei for one person on STARLUX Airlines (excluding fuel surcharges and taxes) ✈️
・📱 “MOXPHONEMS” - Spend HK$9,000: HK$2,000 Cash (deposited directly into your FPS account) / HK$2,100 Apple Store Gift Card / Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490, random color) / SONY WH-1000XM6 Wireless Noise Cancelling Headphones (Value: HK$3,699)
・🏦 “MOXTAXMS” - Pay a tax bill of HK$10,000 or above: HK$400 Cash (fulfilled by Mox), PLUS a 100% interest rebate of up to HK$5,000 when you apply for and get approved for a 3-11-month Split Purchase plan on those tax payments and set it up on or before 1 April 2027 (fulfilled by Mox)! Reminder: You must choose “Mox Credit” to pay your tax bill in order to apply for Split Purchase afterward!
⠀⠀
3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days: an additional HK$500 Cash Rebate (fulfilled by Mox)
*Subject to the Terms and Conditions of the “MOXFLASHMS3” / "MOXPHONEMS"/ “MOXTAXMS” invitation code promotion.
⠀⠀
【🎮 Double 11 Rewards on Rewards: Bag the Best Deals & Earn More!】 Play and Win a PS5 + GTA 6 Bundle 🔥!
During the Promotion Period, customers who apply and get a Mox Credit Card approved with any designated MoneySmart invitation code and fulfil the designated spending can participate in the “Bag the Deals” mini game on the campaign page, submit the score in the reward redemption form. The Eligible Participants with the highest scores will have a chance to win a 🔥 SONY PlayStation 5 Digital Edition 825GB (Slim Version) + PS5 Grand Theft Auto VI Game Software (Code in Box) (Standard Version) (Value: HK$4,825). Insta360 Ace Pro 2 Action Camera, Cambridge Audio speakers, GTA VI and cash prizes are up for grabs too!
Valid till 30 Nov 2026
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✨【PrimeCredit x MoneySmart Exclusive! Welcome Offer up to HK$500 cash rebate + Marshall Speaker + Exclusive PrimeCredit Welcome Gifts!】✨
From 9 November until 15 November 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 or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn an extra Marshall Emberton II Portable Speaker (MHP-96786), plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．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)
⠀⠀
See more reward details below
Valid till 15 Nov 2026
【🌟Effortless for Everyone: Unlimited Cashback with Every Spend】
Apply via MoneySmart by 30 November 2026, enjoy HK$500 cash back by cumulative spending HK$6,000 or above in the first 2 months; earn an extra HK$100 statement credit upon topping up your Octopus on iPhone, Apple Watch or [Newly added!] Android device for HK$300 aggregate spending in the first 3 months. Enjoy up to HK$600 cash back in total!
Reward yourself with unlimited 1.2% cashback all year-round on everyday purchases, in town and overseas - simple & friendly!
Valid till 30 Nov 2026
✨【PrimeCredit x MoneySmart Exclusive! Welcome Offer up to HK$500 cash rebate + Marshall Speaker + Exclusive PrimeCredit Welcome Gifts!】✨
From 9 November until 15 November 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 or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn an extra Marshall Emberton II Portable Speaker (MHP-96786), plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．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)
⠀⠀
See more reward details below
Valid till 15 Nov 2026
✨【PrimeCredit x MoneySmart Exclusive! Welcome Offer up to HK$500 cash rebate + Marshall Speaker + Exclusive PrimeCredit Welcome Gifts!】✨
From 9 November until 15 November 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 or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn an extra Marshall Emberton II Portable Speaker (MHP-96786), plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．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)
⠀⠀
See more reward details below
Valid till 15 Nov 2026
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🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$2,100 cash rewards】
MS Exclusive: From now until 30 November 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 or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/ Apple/ Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,800 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)
⠀⠀
See more reward details below
Valid till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 🎉】
From now until 30 November 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 31 December 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
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
⠀⠀⠀
【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfill the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 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 31 December 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
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
⠀⠀⠀
【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
⠀⠀⠀
【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
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【Aspire Exclusive Offer: Enjoy Rewards Worth Up to HK$2,000 via MoneySmart】
From now until 30 November 2026, new customers who successfully open an Aspire Global Business Account or apply for an Aspire Corporate Visa Card via MoneySmart, make a qualifying minimum deposit of HK$6,000 within 30 days of the account opening date, and maintain this balance for 2 months can enjoy rewards worth up to HK$2,000. Customers can choose ONE of the following MoneySmart rewards:
・ HK$500 Apple Store Gift Card (Fulfilled by MoneySmart) + HK$1,500 cash rewards (Fulfilled by Aspire) or
・ HK$500 Cash (automatically converted from 5,000 SmartPoints and directly deposited into FPS account) (Fulfilled by MoneySmart) + HK$1,500 cash rewards (Fulfilled by Aspire)
⠀⠀
Terms and conditions apply.
Valid till 30 Nov 2026
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Overseas Spending Credit Card Guide 2026: Rebates, Fees and Exchange Rates
Too much to read? Get the key takeaways in seconds!
- Net Rebate Focus: A card's true reward is its net rebate rate after deducting foreign transaction fees (usually 1.95%–2.0%).
- Top Cash and Miles Cards: Hang Seng Travel+ (up to 7%) and sim World Mastercard (8%) lead cash back options, while HSBC EveryMile (as low as HK$2/mile) excels for air miles.
- No Foreign Fee Options: UnionPay cards generally waive foreign transaction fees, though Visa/Mastercard with high overseas rebates often outweigh UnionPay's base benefits.
- Avoid DCC and CBF Fees: Always pay in the local currency to avoid Dynamic Currency Conversion markups (3%–5%) and watch out for Cross-Border Fees (0.8%–1%) when paying in HKD on overseas sites.
- Alipay Mainland Integration: Mainland Alipay now supports Hong Kong credit cards, enabling seamless payments without currency conversion hassle.
Best Overseas Spending Credit Cards in Hong Kong 2026: Compare Travel Credit Cards
Below is a comparison of popular credit cards for overseas spending:
| Overseas Spending Credit Card | Credit Card Rewards | Foreign Transaction Fee | Net Rebate Rate (up to) | Min. Annual Salary |
|---|---|---|---|---|
| WeWa Visa Signature Card | Up to 4% cash rebate on overseas spending + one chosen Fun Category (Mobile Payment, Travel Spending or Online Entertainment) | 1.95% | 2.05% | HK$0 |
| Hang Seng Travel+ Visa Signature Card | Up to 7% +FUN Dollars on foreign currency spending in Japan, Korea, Thailand, Chinese Mainland, Macau and Taiwan (up to 5% elsewhere) | 1.95% | 5.05% | HK$150,000 |
| HSBC Visa Signature Card | Up to 3.6% RewardCash rebate | 1.95% | 1.65% | HK$240,000 |
Overseas Spending Miles Credit Cards Comparison
If you prefer to earn air miles (Asia Miles, Avios, etc.), here is how different cards compare on foreign currency spending and key terms:
| Credit Card | Foreign Currency Miles Rate | Foreign Transaction Fee | Spending Cap & Key Terms |
|---|---|---|---|
| HSBC EveryMile Credit Card | HK$2 = 1 mile on designated everyday and travel spending | 1.95% | Extra 3% rebate with Travel Guru Lv.1; base rate HK$2/mile |
| American Express Explorer Credit Card | As low as HK$2 = 1 mile | 2.0% | Designated foreign currency/travel spending; registration required; capped at HK$10,000 per quarter |
| Standard Chartered Cathay Mastercard® | HK$4 = 1 mile on overseas spending | 1.95% | No spending cap; ideal for large foreign currency purchases |
| Citi PremierMiles Card | HK$3 = 1 mile | 1.95% | Requires total monthly spending of HK$20,000 (otherwise HK$4/mile) |
| DBS Black World Mastercard | HK$2 = 1 mile | 1.95% | No spending cap; points never expire |
Credit Cards with No Foreign Transaction Fees
| No Foreign Transaction Fee Credit Card | Foreign Transaction Fee | Rewards |
|---|---|---|
| Mox Credit (Asia Miles) | Waived | HK$4 = 1 mile |
Which Overseas Spending Credit Card Is Right for Me?
1. Small to mid-sized foreign currency spending (under HK$10,000 per month)
Top pick for high rebates: Hang Seng Travel+ Visa Signature (up to 7% in designated countries) or sim World Mastercard (8% at physical stores). Maximise your returns with high rebate rates, but watch out for monthly caps.
2. Big-ticket overseas shopping / luxury goods (HK30,000–HK$100,000+)
Top pick for high rebates: Hang Seng Travel+ Visa Signature (up to 7% in designated countries) or sim World Mastercard (8% at physical stores). Maximise your returns with high rebate rates, but watch out for monthly caps.
Most cash back credit cards have low spending caps, and any spending above the cap falls back to the basic rebate rate.
Top pick for high-cap miles: HSBC Visa Signature with Travel Guru, or Standard Chartered Cathay Mastercard, so that very large purchases still earn generous miles.
3. Destination-specific cards
Japan / Korea / Taiwan / Thailand: Hang Seng Travel+ (7%), AEON CARD WAKUWAKU (3% cash rebate in Japan).
HK Credit Card Overseas Spending Fees and Pitfalls Explained
1. Foreign Currency Conversion (FCC) Fee
Cardholders are charged the following fees when paying in a non-HKD currency at overseas merchants or websites:
- Visa / Mastercard: 1.95%
- American Express: 2%
- JCB: 1% – 1.95%
- UnionPay: mostly waived (except UnionPay cards issued by HSBC and Hang Seng Bank, which charge 1% – 1.2%)
2. Dynamic Currency Conversion (DCC)
DCC is triggered when you choose to pay in Hong Kong dollars (HKD) at an overseas store or foreign website.
- Hidden cost: merchants and acquiring banks can add a dynamic exchange rate markup of up to 3% – 5%.
- Extra fee: some banks also charge a 1% cross-border fee (CBF) on HKD transactions.
- How to avoid it: always choose to pay in the local currency (e.g. JPY, USD, EUR) when spending overseas or shopping online.
3. Cross-Border Fee (CBF) on Overseas Online Shopping
If you pay in HKD on an overseas-registered website (such as Airbnb, Spotify, Uber or Pinkoi), some Hong Kong card issuers charge a CBF of 0.8% – 1%:
| Bank / Card Issuer | Card Type | Cross-Border Fee (CBF) on HKD Transactions |
|---|---|---|
| American Express / Citibank / HSBC | Visa / Mastercard | 0% |
| DBS Bank | Visa / Mastercard | 0% (but no points earned) |
| Bank of China | Visa / Mastercard | 0.8% – 0.95% |
| Standard Chartered / BEA / Dah Sing / CCB (Asia) | Visa / Mastercard | 1.0% |
Credit Card Exchange Rate Comparison
Exchange rates vary between card networks. Besides foreign transaction fees, cardholders should compare exchange rates before choosing a card for overseas or online spending. In general, UnionPay's exchange rate is about 0.65% higher than Visa/Mastercard; after factoring in foreign transaction fees, spending with a UnionPay card costs about 1.3% less than with Visa/Mastercard.
However, if you hold a Visa/Mastercard with a high foreign currency rebate, such as a Hang Seng Mastercard offering up to 6% on overseas spending, it will be more worthwhile than the EarnMORE Card, which offers only a 2% rebate.
Credit Card Overseas Spending Rebates
Hongkongers love to travel, and many hold an Asia Miles credit card as well as an overseas spending credit card. Banks offer extra overseas spending rebates when you reach a spending threshold or register for a rewards programme:
HSBC Credit Cards
With an HSBC overseas spending credit card , cardholders earn up to 6X RewardCash (a 2.4% rebate) in their chosen "Red Hot Rewards of Your Choice" category. All spending across Red Hot Rewards categories automatically earns an extra 1.2% RewardCash rebate. Combined with the HSBC Travel Guru Membership Programme (registration required), overseas in-store spending can earn up to an extra 6%.
Standard Chartered Credit Cards
Among Standard Chartered overseas spending credit cards , the Standard Chartered Simply Cash Visa Card offers 2% cash back on overseas spending (a 1.95% foreign transaction fee applies), while the Standard Chartered Cathay Mastercard® earns HK$4 = 1 mile on eligible overseas spending.
Hang Seng Credit Cards
With a Hang Seng Bank overseas spending credit card such as the MMPOWER World Mastercard, register for +FUN Dollars and choose your spending category (Mobile Payment / Dining, Travel & Foreign Currency Spending / Electronics / Entertainment). Spend HK$5,000 or more in foreign currency overseas in a month to earn 6% +FUNDollars, capped at HK$500.
Mainland Alipay Now Supports Hong Kong Credit Cards
Since 27 June 2023, the Mainland version of Alipay has supported Hong Kong credit cards. Hongkongers can now add their Hong Kong credit card directly under "Bank Cards". Using a card with no foreign transaction fees makes travelling in the Mainland even more convenient. Further reading: Mainland Alipay Guide – Hong Kong Credit Cards Supported
Credit Card Foreign Currency / Overseas Spending Fees
Foreign Currency Transaction Fee
HKD Fees on Overseas Online Shopping
Credit Card Welcome Offers - MoneySmart Exclusive
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| sim Credit Card |
| Get HK$900 Cash / HK$1,000 Vouchers / Rewards valued up to HK$2,600 | 1 Nov 2026 till 30 Nov 2026 |
| Citi Cash Back Card |
| Up to HK$2,200 Vouchers / Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package | 3 Nov 2026 till 30 Nov 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
Overseas Spending Credit Card Recommendations
Which overseas spending credit card is best for me?
Since 27 June 2023, the Mainland version of Alipay has supported Hong Kong credit cards. Hongkongers can now add their Hong Kong credit card directly under "Bank Cards". Using a card with no foreign transaction fees makes travelling in the Mainland even more convenient. Further reading: Mainland Alipay Guide – Hong Kong Credit Cards Supported
Travel/ Overseas Spending Credit Cards Frequently Asked Questions
Which credit cards have no foreign transaction fees?
- Most UnionPay credit cards waive foreign transaction fees (except UnionPay cards issued by HSBC and Hang Seng Bank), although UnionPay's exchange rate is generally higher than other networks such as Visa/Mastercard. If you want to use a Visa card overseas and earn cash back at the same time, consider the Standard Chartered Simply Cash Visa Card.
Are there fees for online foreign currency spending with a credit card?
- Any foreign currency transaction incurs a fee. JCB charges 1%–1.95%, American Express charges 2%, and Visa/Mastercard credit cards issued in Hong Kong generally charge 1.95% per foreign currency transaction.
What is the PIN for a UnionPay credit card?
- If you have not set a PIN, you can press "Enter" or key in 0000, then sign the receipt to confirm the transaction.
Can UnionPay credit cards be used in Europe?
- UnionPay is not widely accepted in Europe and the US; it is mainly popular in Mainland China, Japan, Korea, Taiwan and Southeast Asia. If in doubt, call your bank before you travel.
Do I need to activate overseas spending on my credit card?
- Generally, no.
Can I use a Hong Kong credit card for overseas spending?
- Yes. HK credit card overseas spending works without any extra activation. However, watch the exchange rate — paying in the local currency is usually cheaper. Some credit cards also charge foreign transaction fees.
Which credit cards include travel insurance?
Many credit cards offer complimentary travel insurance , such as the HSBC EveryMile, Citi PremierMiles, Citi Prestige, American Express Explorer and American Express Platinum cards.
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