Best Travel / Overseas Spending Credit Cards

Updated September 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.

Popular Travel / Overseas Spending Credit Cards

HK$250 Voucher!

Standard Chartered Asia Miles Mastercard

HK$96,000

Min. Annual Salary

HK$4 = 1 Mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

MoneySmart Exclusive: HK$250 Supermarket VouchersValid till 30 Sep 2019.
  • Welcome offer up to 40,000 Asia Miles (As low as HK$0.2 = 1 Asia Mile)
MoneySmart Exclusive: HK$250 Supermarket VouchersValid till 30 Sep 2019.

Travel / Overseas Spending Features

  • HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
  • 2-day priority redemption for selected discount flight awards bookings online from time to time
  • 10% redemption discount for hotel, car rental, travel experiences and dining awards

Annual Interest Rate and Fees

Annual Interest Rate33.41%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentAll 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 PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$96,000
ForeignerHK$0

Other

Card AssociationMastercard
Wireless PaymentMastercard contactless

Extra HK$300 cash rebate

WeWa UnionPay Card

$0

Min. Annual Salary

N.A.

Miles Conversion (overseas spend)

0.40%

Cash back (overseas spend)

MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate .Valid till 29 Feb 2020.Valid till 30 Sep 2019.
  • 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)
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate .Valid till 29 Feb 2020.Valid till 30 Sep 2019.

Travel / Overseas Spending Features

  • Travel offers:
    .Handling fee waiver for overseas spending
    .Enjoy HK$1 handcrafted beverages at Pacific Coffee in Hong Kong International Airport with WeWa UnionPay card and valid boarding pass
    .Access to 130 designated LoungeKey airport lounges

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$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 Period53 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay
Citi Prestige Card

$600,000

Min. Annual Salary

$4 = 1 mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

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

Travel / Overseas Spending Features

  • HK$4 =1 Mile (Overseas)
  • Up to extra 30% Annual Relationship Points
  • Receive extra 20,000 miles "Thank You Gift" every year from the second year onwards

Annual Interest Rate and Fees

Annual Interest Rate35.52%
Principle Annual FeeHK$3,800
Supplementary Annual FeeN/A
Fee WaiverNo
Minimum Monthly Repayment1.5% of monthly balance + fees
Interest Free PeriodUp to 58 days

Minimum Income Requirements

Local ResidentHK$600,000
ForeignerHK$600,000

Other

Card AssociationMasterCard
Wireless PaymentN.A.

HK$400 Voucher!

The Platinum Card
MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 30 Sep 2019.
  • American Express welcome offer - Up to 480,000 Membership Rewards Points (which equivalent to 32,000 air miles)
MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 30 Sep 2019.

Travel / Overseas Spending Features

  • Complimentary benefits with an average total value of HK$4,200 with FINE HOTELS & RESORTS through Platinum Travel Service. With over 1,000 world-class properties for you to explore:
    .Noon check-in, when available
    .Complimentary room upgrade upon arrival, when available
    .Complimentary daily breakfast for two people
    .Complimentary in-room Wi-Fi
    .Guaranteed 4pm late checkout
    .Additional special amenity at each property, such as a US$100 food and beverage credit or a massage for two people
  • Elite partner programs
    Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs.
    .Hilton Honors – Gold status
    .Radisson Rewards™ - Gold status
    .Shangri-La Golden Circle - Jade Membership
    .Marriott Bonvoy™ - Gold Elite Status
  • The Hotel Collection
    Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 500 hotels worldwide
  • Comprehensive Travel Insurance
    Provide you and your family with a global travel insurance:
    .Travel Accidents coverage of up to HK$$4,000,000
    .Medical Assistance and expense up to HK$$1,000,000
    .Canceling and cutting short your trip
    .Lost, stolen and damaged baggage
    .Delayed flights and missed departures

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$7,800
Supplementary Annual Feecomplimentary 2 supplementary cards
Fee WaiverNo
Minimum Monthly RepaymentN/A
Interest Free Period

Minimum Income Requirements

Local ResidentHK$1,000,000
ForeignerHK$1,000,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A

Extra HK$300 cash rebate

WeWa UnionPay Card (applicable to designated Full-time University /Tertiary Students)

$0

Min. Annual Salary

N.A.

Miles Conversion (overseas spend)

0.40%

Cash back (overseas spend)

MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate.Valid till 29 Feb 2020.Valid till 29 Feb 2020.
  • Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or Ocean Park SmartFun Annual Pass (Gold Pass)
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate.Valid till 29 Feb 2020.Valid till 29 Feb 2020.

Travel / Overseas Spending Features

  • Travel offers:
    .Handling fee waiver for overseas spending
    .Enjoy HK$1 handcrafted beverages at Pacific Coffee in Hong Kong International Airport with WeWa UnionPay card and valid boarding pass
    .Access to 130 designated LoungeKey airport lounges

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$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 Period53 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay

HK$200 Voucher!

DBS Black World Mastercard

$240,000

Min. Annual Salary

$4 = 1 mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

MoneySmart Exclusive: HK$200 Supermarket VouchersValid till 30 Sep 2019.
  • Welcome offer up to 80,000 miles
MoneySmart Exclusive: HK$200 Supermarket VouchersValid till 30 Sep 2019.

Travel / Overseas Spending Features

  • HK$4 = 1 Mile (Overseas)
  • Redeem mileage points such as Asia Miles, Avios, KrisFlyer and PhoenixMiles with your DBS$. You can use Avios for short haul fight and use Asia Miles for long haul flight which is more flexible
  • Can use DBS$ to book air tickets or hotels with instant confirmation in iGO Rewards

Annual Interest Rate and Fees

Annual Interest Rate36.33%
Principle Annual FeeHK$2,000
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentVaries. For more info, view T&C
Interest Free PeriodUp to 60 Days

Minimum Income Requirements

Local ResidentHK$240,000
ForeignerHK$240,000

Other

Card AssociationMastercard
Wireless PaymentN.A.
Dah Sing United MileagePlus World MasterCard

HK$150,000

Min. Annual Salary

HK$5 = 1 mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

Travel / Overseas Spending Features

  • 15% off the full retail price for MileagePlus Miles purchase
  • Free access to United Club
  • Every HK$5 spent on EUnited airlines and overseas =1 mile

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$0
Supplementary Annual FeeHK$0
Fee WaiverYes
Minimum Monthly RepaymentBalance over HK$200: all charges plus 1% of total outstanding balance; under HK$200: the statement balance
Interest Free Period60 Days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationMasterCard
Wireless PaymentN/A
Dah Sing Autotoll E-Serve Credit Card

HK$150,000

Min. Annual Salary

N.A.

Miles Conversion (overseas spend)

0.4%

Cash back (overseas spend)

Travel / Overseas Spending Features

  • Free access to 130+ selected LoungeKey airport lounges in China, Hong Kong, Macao and Taiwan for 3 times by spending HK$12,000 or above with the card within 2 consecutive months
  • Airport limousine transfer services to/from Hong Kong, Shanghai, Beijing and Shenzhen International Airport at HK$250 per trip
  • Dual currency in one card. Enjoy handling fee waiver for overseas transactions

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$0
Supplementary Annual FeeHK$0
Fee WaiverYes
Minimum Monthly RepaymentBalance over HK$200: all charges plus 1% of total outstanding balance; under HK$200: the statement balance
Interest Free Period60 Days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationUnionPay
Wireless PaymentQuickPass
CCB (Asia) AIA Credit Card

HK$150,000

Min. Annual Salary

HK$15 = 1 mile

Miles Conversion (overseas spend)

0.4%

Cash back (overseas spend)

Travel / Overseas Spending Features

  • Free access to 130+ designated LoungeKey airport lounges in China, Hong Kong, Macao and Taiwan for 3 times upon spending HKD12,000 or above with the card within 2 consecutive months
  • Airport limousine transfer services to/from Hong Kong, Shanghai, Beijing and Shenzhen International Airport at HK$250 per trip
  • Dual currency in one card. Enjoy HK$0 transaction fee for overseas transactions

Annual Interest Rate and Fees

Annual Interest Rate34.49%
Principle Annual FeeHK$0
Supplementary Annual FeeHK$0
Fee WaiverYes
Minimum Monthly RepaymentInterest and fees and charges plus 1% of outstanding principal, plus any overlimit amount and past due amount (min. HK$200)
Interest Free Period55 Days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationUnionPay
Wireless PaymentQuickPass
eye Credit Card

HK$150,000

Min. Annual Salary

HK$2.78 = 1 mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

Travel / Overseas Spending Features

  • Register Instant Travel Club
  • Earn extra 3X bonus point for overseas and travel transactions
  • Can earn 5X bonus points at the same time
  • Travel expenses can apply for an instalment to settle it in 6 months

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$0
Supplementary Annual FeeHK$0
Fee WaiverYes
Minimum Monthly RepaymentHK$200
Interest Free Period55 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentN/A
CCB (Asia) Hong Kong Airlines Fly Away Credit Card

HK$150,000

Min. Annual Salary

HK$4 = 1 mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

Travel / Overseas Spending Features

  • Cardholder and the accompanying guests enjoy five free access to Club Bauhinia and Club Autus at Hong Kong International Airport
  • Enjoy priority check-in and priority boarding
  • HK$2 =1 Fortune Wings Club point, applicable to foreign transactions and online Apple Pay transactions
  • 5% off flight redemption with points

Annual Interest Rate and Fees

Annual Interest Rate36.07%
Principle Annual FeeHK$0
Supplementary Annual Fee0
Fee WaiverYes
Minimum Monthly RepaymentInterest and fees and charges plus 1% of outstanding principal, plus any overlimit amount and past due amount (min. HK$200)
Interest Free Period55 Days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationMasterCard
Wireless PaymentMasterCard contactless
BOC Hong Kong Airlines Visa Platinum Card

HK$150,000

Min. Annual Salary

HK$6 = 1 mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

Travel / Overseas Spending Features

  • Complimentary access to Hong Kong Airlines Lounges 5 times per year
  • 50% off selected Hong Kong Airline flight tickets
  • 5% off inflight duty free discount
  • Enjoy discount on designated KKday products through applying the promo code at KKday designated website

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$1,600
Supplementary Annual Fee800
Fee WaiverN/A
Minimum Monthly RepaymentHK$230 or 1% of statement balance (whichever is higher)
Interest Free Period

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentVisa PayWave
BOC Dual Currency Diamond Card

HK$200,000

Min. Annual Salary

HK$8 = 1 mile

Miles Conversion (overseas spend)

4%

Cash back (overseas spend)

Travel / Overseas Spending Features

  • No foreign transaction fee
  • Enjoy flexibility for dual currencies
  • Airport limo transfer in Hong Kong, Shanghai, Beijing and Cross border to Shenzhen Airport
  • Enjoy QR Code Payment with BoC Pay

Annual Interest Rate and Fees

Annual Interest Rate36.70%
Principle Annual FeeHK$3,800
Supplementary Annual Fee1900
Fee WaiverN/A
Minimum Monthly RepaymentHK$230 or 1% of statement balance (whichever is higher)
Interest Free Period

Minimum Income Requirements

Local ResidentHK$200,000
ForeignerHK$0

Other

Card AssociationUnionPay
Wireless PaymentBoC Pay
Bank of Communications FWD CUP Dual Currency Credit Card

HK$150,000

Min. Annual Salary

HK$8 = 1 mile

Miles Conversion (overseas spend)

0.4%

Cash back (overseas spend)

Travel / Overseas Spending Features

  • Dual currencies
  • No overseas transactions fee
  • Free access to LoungeKey airport lounges
  • Enjoy airport limousine transfer services at a discounted rate HK$250 for every HK$3,000 spent in 30 days

Annual Interest Rate and Fees

Annual Interest Rate34.49%
Principle Annual FeeHK$1,000
Supplementary Annual FeeHK$500
Fee WaiverYes
Minimum Monthly Repayment1% of the statement balance or HK$200 (whichever is higher)
Interest Free Period55 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationUnionPay
Wireless PaymentN/A
Bank of Communications FWD Credit Card

HK$150,000

Min. Annual Salary

HK$4 = 1 mile

Miles Conversion (overseas spend)

N.A.

Cash back (overseas spend)

Travel / Overseas Spending Features

  • 2X points for oversea transactions
  • Enjoy free access to Priority Pass airport VIP lounge all over the world with a designated spending amount
  • Spend at designated amount to get free access to airport VIP lounges next year

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$1,000
Supplementary Annual FeeHK$500
Fee WaiverYes
Minimum Monthly Repayment1% of the statement balance or HK$200 (whichever is higher)
Interest Free Period55 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentN/A
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