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!
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【Welcome Offer up to $1,450 RewardCash or 29,000 Miles! 🌍】
During the Promotion Period, New Credit Card Customers who apply successfully for the HSBC EveryMile Credit Card via MoneySmart , get approved, and make a respective accumulated amount of Eligible Transactions can enjoy $1,250 RewardCash; Successfully apply for the Spending Instalment Plan, and enjoy an additional $200 RewardCash!
【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $600 RewardCash)!
Valid till 28 Feb 2027
【🚨November Upgraded Rewards: HK$200 Cash on Approval + Enjoy Up to HK$3,699 rewards / Enjoy A Round-trip Air Ticket from Hong Kong to Taipei ✈️ !】
From now to 2 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", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$200 Cash (deposited directly into your FPS account) or HK$200 Apple Store Gift Card (fulfilled by MoneySmart);
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: 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 within 30 days of approval: 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) / SONY WH-1000XM6 Wireless Noise Cancelling Headphones (Value: HK$3,699); ⭐
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3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the "MOXFLASHMS3"/"MOXPHONEMS" invitation code promotion.
Valid till 02 Nov 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles!】
From now until 5 November 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart with promo code "HKRMS2" can enjoy the following rewards upon card approval, subject to eligibility:⠀
1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color)
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$2,300)
・AirPods 5 (Value: HK$1,099)
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers
2️⃣ Standard Chartered Cathay Mastercard – Up to 120,000 Asia Miles
New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
Valid till 05 Nov 2026
⚡【November Citi Offer! ✨ Upgraded Gifts or Up to HK$2,200 Cash Voucher! Rewards Worth Up to HK$4,600🎉】
From now until 2 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⠀
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【❇️ 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 02 Nov 2026
【🚨 9.28 - 12.31 : Earn Up to HK$1,280 RewardCash — Your #1 Card for Mainland China !🇨🇳】
From 28 September to 31 December 2026, New Credit Card Customers who successfully apply for the HSBC Pulse UnionPay Dual Currency Diamond Credit Card via MoneySmart with promo code "HSBCPULSE", and make a QR code payment of HK$50 / RMB50 or above, can earn $10 RewardCash (up to $280 in total). Together with the base welcome offer of up to $800 RewardCash, — totalling up to $1,280 RewardCash! New cardholders who successfully apply for the Cash Instalment Plan can also enjoy an extra $200 RewardCash.
1️⃣ ⚡️Limited-time welcome offer up to $1,280 RewardCash (base welcome offer up to $800 + QR payments up to $280 + Cash Instalment Plan extra $200)
2️⃣ Spend in Mainland China & Macau and earn up to 4.4% RewardCash rebate
3️⃣ Extra 3% RewardCash on eligible Mainland dining spend (register via HSBC Reward+ for a combined rebate of up to 7.4%)
4️⃣ Complimentary Lounge To-Go meal set at the Plaza Premium Lounge High Speed Rail Hong Kong West Kowloon Station during the promotion period
5️⃣ Instant discount of up to RMB500 at Qianhai Snow World (RMB150 off spend of RMB1,000+ / RMB500 off spend of RMB3,000+)
6️⃣ 🧋Enjoy Heytea and gaga drinks from half price
💡 Tip: Earn up to 4.4% RewardCash on QR and mobile payments in Mainland China and Macau. Apply now and unlock the limited-time offers!
【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $600 RewardCash)!
Valid till 31 Dec 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
【Unlimited CashBack all year-round - Get welcome offer of up to HK$1,499 Rewards!🎁】
From now until 5 November 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart with promo code “HKRMS2“ will get one of the following gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・Acer Acerpure Chef Chef 2 in 1 Filp Air Fryer (KF754-7AB) (Value: HK$1,298, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
Valid till 05 Nov 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 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)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, 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)
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See more reward details below
Valid till 30 Nov 2026
⚡【November Citi Offer! ✨ Upgraded Gifts or Up to HK$2,200 Cash Voucher! Rewards Worth Up to HK$4,600🎉】
From now until 2 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⠀
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【❇️ 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 02 Nov 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles!】
From now until 5 November 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart with promo code "HKRMS2" can enjoy the following rewards upon card approval, subject to eligibility:⠀
1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color)
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$2,300)
・AirPods 5 (Value: HK$1,099)
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers
2️⃣ Standard Chartered Cathay Mastercard – Up to 120,000 Asia Miles
New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
Valid till 05 Nov 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】
From now until 10 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 10 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 10 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)
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See more reward details below
Valid till 30 Nov 2026
【🚨November Upgraded Rewards: HK$200 Cash on Approval + Enjoy Up to HK$3,699 rewards / Enjoy A Round-trip Air Ticket from Hong Kong to Taipei ✈️ !】
From now to 2 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", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$200 Cash (deposited directly into your FPS account) or HK$200 Apple Store Gift Card (fulfilled by MoneySmart);
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: 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 within 30 days of approval: 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) / SONY WH-1000XM6 Wireless Noise Cancelling Headphones (Value: HK$3,699); ⭐
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3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the "MOXFLASHMS3"/"MOXPHONEMS" invitation code promotion.
Valid till 02 Nov 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles!】
From now until 5 November 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart with promo code "HKRMS2" can enjoy the following rewards upon card approval, subject to eligibility:⠀
1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color)
・2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$2,300)
・AirPods 5 (Value: HK$1,099)
・HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers
2️⃣ Standard Chartered Cathay Mastercard – Up to 120,000 Asia Miles
New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
Valid till 05 Nov 2026
【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)!
Valid till 30 Nov 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 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)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, 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)
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See more reward details below
Valid till 30 Nov 2026
【👨🏻🎓 Calling All Students: Earn up to $500 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for HSBC Visa Gold Card for Students, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $300 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
【🍎Apple Exclusive】 From 10 September to 30 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $600 RewardCash)!
Valid till 28 Feb 2027
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【⚡Limited-Time Welcome Offer Boost: Earn Up to $850 RewardCash + Enjoy Up to 12% Rebate on Apple Spending 🚀】
From now until 30 November 2026, new credit card customers who successfully apply for the HSBC Red Credit Card via MoneySmart using promo code “HSBCRED” during the Promotion Period and accumulate eligible spending of HK$12,000 within the first 60 calendar days after card issuance can enjoy a total of up to $650 RewardCash. Successfully apply for the “Cash Instalment Plan” to earn an additional $200 RewardCash!
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【🍎Apple Exclusive】Earn Up to an Extra $1,150 RewardCash!
From 10 September to 30 November 2026, spend with your HSBC Red Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to enjoy:
・Cumulative eligible spending of HK$5,000 or above: Enjoy an extra 6% RewardCash rebate (up to $350 RewardCash during the entire Promotion Period); and
・Successfully apply for the “Spending Instalment Plan”: Enjoy an extra 2% RewardCash rebate (up to $400 RewardCash); and
・Spend at the Apple Store Online or via the Apple Store App: Earn 4% RewardCash on online spending! Terms and conditions apply.
Valid till 30 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
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, insurance company, 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.
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 |
|---|---|---|---|
| HSBC EveryMile Credit Card |
| New HSBC EveryMile Credit Card customers applying via MoneySmart can earn up to $1,450 RewardCash or 29,000 Miles by making eligible transactions and applying for the Spending Instalment Plan during the promotion period. | 1 Aug 2026 till 28 Feb 2027 |
| Citi Cash Back Card |
| Up to HK$2,200 Vouchers or Rewards Worth Up to HK$4,600 | 1 Nov 2026 till 2 Nov 2026 |
| Standard Chartered Simply Cash Visa Card |
| 🎁 Unlimited CashBack + HK$800 Vouchers or Rewards Worth Up to HK$1,499 | 1 Nov 2026 till 5 Nov 2026 |
| 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 |
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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