Best Overseas Spending Credit Cards

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 41 Credit Cards for you!
SCB 渣打銀行 logo
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Foreign exchange fee
$0
Cash advance fee
$0
MoneySmart Exclusive Offer
Up to HK$1,399

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,200 Apple Gift Card or HK$1,200 Supermarket Voucher or LG FN7 TONE Free True Wireless Earbuds (retail price: HK$1,399) (colour is randomly distributed)! Total up to HK$2,599 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall! Spend Smart for your trip, waive any foreign exchange fee for foreign currency transaction! You could enjoy up to 12% CashBack to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!



[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 31 Jan 2023 - See more details below
Promotion ends in
Apply Now
SCB 渣打銀行 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

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 Klook Gift Card or HK$600 Supermarket Voucher or HK$600 Apple Gift Card! Enjoy up to 60,000 welcome miles! You could enjoy up to 12% Cashback to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!

Valid until 31 Jan 2023 - See more details below
Promotion ends in
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AE 美國運通 logo
Bank Promo
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Miles Conversion (foreign currencies spending)
HK$4 = 1mile
Cash back on foreign currencies spending
1.25%
Bank Promo:
Apply for the American Express Explorer Credit Card and get rewards up to HK$800 Statement Credits and 68,000 miles!
Valid until 31 Jan 2023 - See more details below
Apply Now
DBS 星展銀行 logo
Redeem various mileage points without any fee
Min. Annual Salary
HK$240,000
Miles Conversion (overseas spend)
$4 = 1 mile
Cash back (overseas spend)
N/A
Apply Now
AEON信貸財務(亞洲) logo
Bank Promo
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%
Bank Promo:
Welcome Offer up to 16% Cash Rebate + HK$400 Cash Rebate! 6% Cash Rebate is applicable to any categories of online spending and food delivery all round year! Enjoy 3% Cash Rebate in Japan Spending, waive fee on Foreign Currency Transaction!
Valid until 31 Mar 2023 - See more details below
Apply Now
SCB 渣打銀行 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

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 Klook Gift Card or HK$600 Supermarket Voucher or HK$600 Apple Gift Card! Enjoy up to 60,000 welcome miles! You could enjoy up to 12% Cashback to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!

Valid until 31 Jan 2023 - See more details below
Promotion ends in
Apply Now
 安信信貸 logo
MoneySmart Exclusive
Get 6% cash rebate on designated categories
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash Rebate on all restaurants in Hong Kong and selected online merchants
6%
Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: De'Longhi Espresso Coffee Machine or LG Monitor 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 28 Feb 2023 - See more details below
Apply Now
AE 美國運通 logo
MoneySmart Exclusive
Enhanced Welcome Offer
Local spending cash rebate
0.67%
Miles Conversion (local spend)
HK$7.5=1 Mile
Discount at designated restaurants
50%

Successfully apply The Platinum Card now to get extra HK$1,000 supermarket voucher / Apple Gift Card from MoneySmart & welcome offers and Platinum benefits valued up to HK$6,800 once spending at the first time in the first 3 months. All new Global Dining Credit! Platinum Card members can enjoy up to HK$2,000 annually and up to HK$800 statement credit at NET-A PORTER or MR PORTER. From now until 31 January 2023, you can enjoy extra HK$1,000 once spending the first time in the first 3 months and up to 600,000 Membership Rewards points (which is equivalent to HK$2,000 cash vouchers/ to offset your purchases OR 40,000 air miles).

Valid until 31 Jan 2023 - See more details below
Apply Now
富邦銀行 logo
Min. Annual Salary
HK$60,000
Miles Conversion (local spend)
HK$15 = 1 Mile
Cash back on overseas spend
HK$1 = 5 points
Apply Now
中信銀行(國際) logo
Handling Fee Waiver for Overseas Spending
Min. Annual Salary
HK$150,000
Miles Conversion (overseas spend)
N.A.
Cash Back on RMB Spending(in first 6 months)
4%
Read More
AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback
Min. Salary
HK$0
Miles Conversion (overseas spend)
N/A
Cash back (overseas spend)
1.2%

From now till 31 January 2023, HK$200 Supermarket Voucher upon Card Approval and the limited-time welcome offer of up to HK$1,402! Enjoy 1.2% cash back with no string , cash back credited to account automatically every month with NO administration charge.

Valid until 31 Jan 2023 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Miles Conversion (overseas spend)
$3 = 1 Mile
Cash back (overseas spend)
N/A

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets
Minimum Income Requirements
HK$120,000
Miles Conversion (overseas spend)
N.A.
Cash back (overseas spend)
2%

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Limited Time Offer
4,000 Club points
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Apply Now
DBS 星展銀行 logo
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
Complimentary 4th night free at any hotel
Minimum Income Requirements
HK$600,000
Miles Conversion (overseas spend)
$4 = 1 mile
Cash back (overseas spend)
N/A

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
Apply Now
AE 美國運通 logo
Bank Promo
Uncapped 1% rebate on foreign currencies expenses
Annual Fee Waiver in First Year
N/A
Mileage Conversion (Local Spending)
HK$6 = 1 Mile
Local spending cash rebate
0.83%
Bank Promo:
【Welcome offer】Enjoy up to total HK$2,400 welcome offer!  Sign up a AWS Account for their company in Hong Kong to enjoy up to US$550 AWS promotional credit (New Accounts: US$550; Existing Accounts: US$500)
Valid until 31 Dec 2023 - See more details below
Apply Now
富邦銀行 logo
Min. Annual Salary
HK$60,000
Miles Conversion (local spend)
HK$15 = 1 Mile
Cash back on overseas spend
HK$1 = 5 points
Apply Now
HSBC 滙豐銀行 logo
Up to HK$300 RewardCash welcome offer
RewardCash rebate on tuition fee payment
2.4%
Online spending Cash Rebate
2%
RewardCash
6X
Read More
 安信信貸 logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash Rebate on all restaurants in Hong Kong and selected online merchants
6%
Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: De'Longhi Espresso Coffee Machine or LG Monitor 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 28 Feb 2023 - See more details below
Apply Now

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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 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.

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 currency should be used in foreign transactions?

If you pay in Hong Kong currency, you will be charged at least a 4% DCC markup fee. Therefore, it is not wise to pay in Hong Kong currency. You should always pay in local currency wherever possible.