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 36 Credit Cards for you!
Standard Chartered Smart Card
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$2,380

【Welcome Offer up to HK$3,580 !】From now until 31 May 2024, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get B&W Pi5S2 In-ear True Wireless  earbuds  (value: HK$2,380) or $800 ParkNshop vouchers or $800 Apple store gift card!

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

【Smart Card x The Coffee Academics - Blue Monday no more! 】Enjoy Buy-1-Get-1-Free offer of any beverage on HK$45 or below EVERY MONDAY!

Valid until 31 May 2024 - See more details below
Apply Now
Standard Chartered Cathay Mastercard
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
65,000 Miles

【💞Matchy-matchy : SAMSUNG Galaxy Fit 3 !】From now until 31 May 2024, new cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get TWO 🆕 brand new model SAMSUNG Galaxy Fit 3 (Total Value: HK$996) or $900 ParkNshop vouchers / $900 Apple store gift card / AirSim sim card with $900 value!



【Limited time offer on 5,000 extra miles】From 26 April to 30 June 2024, Standard Chartered is giving away an extra 5,000 miles to new credit card holders!
【🎊10,000,000 miles Welcome Giveaway】From 21 March to 30 May 2024, new Standard Chartered Cathay Mastercard cardholders will have a chance to share the 10,000,000 miles together. Over 10,000 quotas available with the chance to win up to 50,000 miles each. (Click here for Terms and Conditions)



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 May 2024 - See more details below
Apply Now
AEON CARD WAKUWAKU
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 May 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 year-round 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)!



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】
Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 May 2024 - See more details below
Apply Now
DBS Black World Mastercard
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

【⚡️Unleash Your Wanderlust: HK$800 vouchers & Awesome Extras Await!】
From now until 31 May 2024, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy SAMSUNG Galaxy Buds FE (R400) (Retail value: HK$898) / Acer Trunk Sport 4 wheel Frame Luggage 20”  (Retail value: HK$1,298) / JBL Link 20 Voice-activated portable speaker (Retail value: HK$1,699) / HK$800 Apple Store Gift Card or PARKnSHOP Supermarket Voucher! Together with the bank welcome offer, you can earn up to HK$1,799 rewards and up to 42,000 miles at the same time!



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$55 for Every Referral! 】
Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 555 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 May 2024 - See more details below
Apply Now
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
Bank Promo
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Bank Promo:
Limited-time online welcome offer:
New credit card customers can enjoy up to $800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total rewards to up to $1,000
Valid until 31 May 2024 - See more details below
Apply Now
WeWa UnionPay Diamond Card
MoneySmart Exclusive
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra $300 vouchers from MoneySmart?  From now until 31 May 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 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 MoneySmart】From now until June 30 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Delsey S-Series 30 inch Front
Loader Expandable Suitcase or Panasonic nanoe® Hair Dryer (EH-NA9K) or HK$500
Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$50 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 500 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 May 2024 - See more details below
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

From now until 31 May 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a HK$200 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! 



💡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!



Including the sim welcome offer up to HK$700 or Now TV ‘Mega European Football
Competition 2024 Event Pass’ (Valued at HK$ 980) and HK$50 cash rebate, you can enjoy up to HK$1,230 rewards in total!

Valid until 31 May 2024 - See more details below
Apply NowApply directly on MoneySmart
Standard Chartered Cathay Mastercard - Priority Banking
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
85,000 miles

【💞Matchy-matchy : SAMSUNG Galaxy Fit 3 !】From now until 31 May 2024, new cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get TWO 🆕 brand new model SAMSUNG Galaxy Fit 3 (Total Value: HK$996) or $900 ParkNshop vouchers / $900 Apple store gift card / AirSim sim card with $900 value!



【Limited time offer on 5,000 extra miles】From 26 April to 30 June 2024, Standard Chartered is giving away an extra 5,000 miles to new credit card holders!
【🎊10,000,000 miles Welcome Giveaway】From 21 March to 30 May 2024, new Standard Chartered Cathay Mastercard cardholders will have a chance to share the 10,000,000 miles together. Over 10,000 quotas available with the chance to win up to 50,000 miles each. (Click here for Terms and Conditions)



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 May 2024 - See more details below
Apply Now
DBS LIVE FRESH
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Designated Online Transaction
5%

From now until 31 May 2024, customers who apply for DBS Compass Visa through MoneySmart successfully, can get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 

Valid until 31 May 2024 - See more details below
Apply Now
HSBC Visa Signature Card
Bank Promo
Min. Annual Salary
HK$240,000
RewardCash Rebate
Up to 3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile
Bank Promo:
Limited-time online welcome offer:
New credit card customers can enjoy up to $800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total rewards to up to $1,000
Valid until 31 May 2024 - See more details below
Apply Now
American Express Explorer® Credit Card
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$300 Statement Credit!】+Up to 71,000 Miles Welcome Offer in Town!
From now on until 31 May 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$300 statement credit upon the first transaction within the first 3 months, and gain another 108,000 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$300 statement credit and 108,000 American Express Membership Rewards points, equivalent to 7,000 miles - Earn 1 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 May 2024 - See more details below
Apply Now
The Platinum Card
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: Enjoy up to HK$6,200!】
From now till May 31, 2024, customers who successfully apply for the Platinum Card via MoneySmart and complete the first transaction within the first 3 months, can earn 🆕 HK$600 statement credit!

With aggregate spending of HK$50,000 can enjoy an extra 🆕 HK$5,600 statement credit! Up to HK$6,200 statement credit in total!
Valid until 31 May 2024 - See more details below
Apply Now
Standard Chartered Cathay Mastercard - Priority Private
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
105,000 miles

【💞Matchy-matchy : SAMSUNG Galaxy Fit 3 !】From now until 31 May 2024, new cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get TWO 🆕 brand new model SAMSUNG Galaxy Fit 3 (Total Value: HK$996) or $900 ParkNshop vouchers / $900 Apple store gift card / AirSim sim card with $900 value!



【Limited time offer on 5,000 extra miles】From 26 April to 30 June 2024, Standard Chartered is giving away an extra 5,000 miles to new credit card holders!
【🎊10,000,000 miles Welcome Giveaway】From 21 March to 30 May 2024, new Standard Chartered Cathay Mastercard cardholders will have a chance to share the 10,000,000 miles together. Over 10,000 quotas available with the chance to win up to 50,000 miles each. (Click here for Terms and Conditions)



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 May 2024 - See more details below
Apply Now
sim Credit Card
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

From now until 31 May 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a HK$200 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! 



💡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!



Including the sim welcome offer up to HK$700 or Now TV ‘Mega European Football
Competition 2024 Event Pass’ (Valued at HK$ 980) and HK$50 cash rebate, you can enjoy up to HK$1,230 rewards in total!

Valid until 31 May 2024 - See more details below
Apply NowApply directly on MoneySmart
WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra $300 vouchers from MoneySmart?  From now until 31 May 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 3,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$300 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 MoneySmart】From now until June 30 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Delsey S-Series 30 inch Front
Loader Expandable Suitcase or Panasonic nanoe® Hair Dryer (EH-NA9K) or HK$500
Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 31 May 2024 - See more details below
Apply Now
American Express Gold Business Card
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^
Bossing your business? Get the "Boss Gold Card" for real perks and show your boss status. Apply now with your BR ready! Enjoy first-year annual fee waiver upon successful application!


🌟Elevate You Spending Power: Get HK$1,300 for Approved Card & HK$1,000 Spent!】 
 Customers who successfully apply for the American Express Gold Business Card through MoneySmart can earn HK$500 statement credit upon first transaction made. Enjoy another HK$800 statement credit upon accumulated spending of HK$1,000 in the first 3 months❤️‍🔥! 



【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 May 2024 - See more details below
Apply Now
Dah Sing ONE+ Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Rewards on local spend
1%
Annual Fee Waiver
First 2 Years

【Welcome offer Exclusive for MoneySmart Users】From now until 31 May 2024,  New Dah Sing Credit Cardholder to get extra HK$150 PARKnSHOP supermarket vouchers or HKTVmall e-Voucher upon approval on the credit card! Total up to HK$650 rewards including Dah Sing Bank welcome offer. 



Each Eligible Cardholder is entitled to HK$500 cash rebate upon accumulating Eligible Spending of HKD5,000 or above, and making at least 5 Eligible Spending transactions, within the first 2 months from the date of the Bank's issuance of the Eligible Card.

Valid until 31 May 2024 - See more details below
Apply Now
HSBC Visa Gold Card for Students
Bank Promo
Up to $300 RewardCash welcome offer
RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
RewardCash
$300
Bank Promo:
Limited-time offer: up to $300 RewardCash when you successfully apply for an HSBC Visa Gold Card for Students. 
 
Earn up to $400 RewardCash when you pay your tuition fee via HSBC online channels with the card. 
Valid until 31 May 2024 - See more details below
Apply NowApply directly on MoneySmart
Dah Sing United MileagePlus World MasterCard
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
HK$5 = 1 mile
Cash back (overseas spend)
N/A

【MoneySmart Exclusive】From now until 31 May 2024, New Dah Sing Credit Cardholders are entitled to get an extra HK$100 PARKnSHOP supermarket voucher/ HKTVmall e-Voucher upon approval on the designated credit card (Dah Sing British Airways Platinum Card/ Dah Sing ANA World Mastercard. Dah Sing United MileagePlus World MasterCard)!

Valid until 31 May 2024 - See more details below
Apply Now
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%
Read More

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 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.