Best Cash Back Credit Cards in Hong Kong 2026
Compare and find the best cashback credit cards in Hong Kong to get the most cash rebate in eligible transactions, and get extra cash rewards on designated spending categories.
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We found 54 credit cards for you!
【🚨Apple Fans Alert: HK$200 Cash on Approval + Enjoy Up to HK$4,088 rewards + Chance to Win HK$10,000 Apple Store Gift Card!】
From 1 to 11 September 2026 (until 11:59am), 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: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$200 Cash (deposited directly into your FPS account) + Trip.com 8% Hotel Discount Code + HK$100 Flight Discount Code / HK$100 Buy&Ship Cash Voucher, fulfilled by MoneySmart;
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,000 Apple Store Gift Card / 2x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Value: HK$2,300) / Beyerdynamic Amiron 300 True Wireless ANC Earphones (Value: HK$2,299)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$1,800 Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910DG/90 (Grey) (Value: HK$3,388) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); 🔥PLUS, a chance to win additional HK$10,000 Apple Store Gift Card!
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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 "MOXFLASHMS2" / "MOXFLASHMS3" / "MOXPHONEMS" invitation code promotion.^1 quota, redemption code will be distributed by Mox randomly.
Valid till 11 Sep 2026
⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 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 October 2026) can receive ONE of the following rewards:
🎁 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 AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 11 Sep 2026
【Upgrade Your New Phone with MMPOWER📱 — Earn Up to HK$3,700 Rewards / HK$1,000 Vouchers by Spending HK$100!】
Planning to upgrade your phone this September? From now until 30 September 2026, new and existing credit card customers who successfully apply for the Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate HK$100 in eligible retail spending within 30 days after card issuance can enjoy one of the following rewards:
🎁 New Customers can enjoy one of the rewards below:
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers or
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700, random color) or
・4 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total Value: HK$2,600) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
*Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. HKG bonus: choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
✨ Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)
Together with the Hang Seng welcome offer of up to $700 and monthly rebate of up to $500, eligible customers can enjoy a total rebate value of up to $2,200 — perfect for buying a new phone, phone accessories or tech gadgets!
Valid till 30 Sep 2026
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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 13 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
【Unlimited CashBack all year-round - Get welcome offer of up to HK$1,499 Rewards!🎁】
From now until 30 September 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, 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 30 Sep 2026
【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $1,000 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 11 September 2026 (until 11:59am), new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 11 September 2026 (until 11:59am) can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $1,000 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 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)! Terms and conditions apply.
Valid till 11 Sep 2026
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【🌟September Exclusive: Apply to Earn HK$800 Cash Vouchers】
From now until 30 September 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra 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 30 Sep 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 Sep 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:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．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 Sep 2026
⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 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 October 2026) can receive ONE of the following rewards:
🎁 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 AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 11 Sep 2026
【🌟Enjoy Up to $1,000 RewardCash Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 30 November 2026, new credit card customers who successfully apply for the HSBC Pulse UnionPay Dual Currency Diamond Credit Card via MoneySmart during the Promotion Period and accumulate eligible spending of HK$8,000 within the first 60 calendar days after card issuance can earn $800 RewardCash. Successfully apply for the “Cash Instalment Plan” to earn an additional $200 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 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)!
Terms and conditions apply.
Valid till 30 Nov 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 30 September 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$1,240 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 Sep 2026
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【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $900 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 11 September 2026 (until 11:59am), new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 11 September 2026 (until 11:59am) can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $900 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 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)!
Terms and conditions apply.
Valid till 11 Sep 2026
【🚨Apple Fans Alert: HK$200 Cash on Approval + Enjoy Up to HK$4,088 rewards + Chance to Win HK$10,000 Apple Store Gift Card!】
From 1 to 11 September 2026 (until 11:59am), 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: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] An extra HK$200 Cash (deposited directly into your FPS account) + Trip.com 8% Hotel Discount Code + HK$100 Flight Discount Code / HK$100 Buy&Ship Cash Voucher, fulfilled by MoneySmart;
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,000 Apple Store Gift Card / 2x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Value: HK$2,300) / Beyerdynamic Amiron 300 True Wireless ANC Earphones (Value: HK$2,299)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$1,800 Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910DG/90 (Grey) (Value: HK$3,388) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); 🔥PLUS, a chance to win additional HK$10,000 Apple Store Gift Card!
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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 "MOXFLASHMS2" / "MOXFLASHMS3" / "MOXPHONEMS" invitation code promotion.^1 quota, redemption code will be distributed by Mox randomly.
Valid till 11 Sep 2026
【😍 September Special: Spend HK$100, Get HK$600+ Rewards or Travel Essentials! 🏝️】
From now until 30 September 2026, customers who successfully apply for Hang Seng Travel+ Visa Signature Card via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can 🌟choose 1 from the following gifts :
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🎁 New Customers can enjoy one of the rewards below:
・2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300) or
・BRUNO Worldwide Portable Clothes Dryer BAK817 + BRUNO Multi Travel Pot (110V/220V) BAK810 (Value: HK$796, random color) or
・HK$600 Apple Store Gift Card / HKTVmall e-Vouchers⠀⠀
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas)
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🎁 Existing Customers can also enjoy one of the rewards below:
・HK$300 Apple Store Gift Card / HKTVmall e-Vouchers or
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
Valid till 30 Sep 2026
【Get Your Daily yuu Boost with enJoy】Apply and Get up to HK$2,600 rewards 🎁 or HK$900 vouchers!
From now until 30 September 2026, customers who successfully apply for Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance , can 🌟choose 1 from the following gifts:
🎁 New Customers can enjoy one of the rewards below:
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・OSIM uVizion Air 2 (Value: HK$1,680, random color) or
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298, random color) or
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas) or
・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons
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✨ Existing Customers can also enjoy one of the rewards below:
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650) or
・HK$400 Apple Store Gift Card / Maxim's Gift e-Coupons
Valid till 30 Sep 2026
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【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $1,450 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 11 September 2026 (until 11:59am), new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 11 September 2026 (until 11:59am), can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $1,450 RewardCash (equivalent to 29,000 miles)!
【🍎Apple Exclusive】 From 10 September to 13 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)!
Terms and conditions apply.
Valid till 11 Sep 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】
From now until 20 September 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 September 2026
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Refer a friend and get a rewarded — 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 local transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid till 31 Dec 2026
【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $800 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 11 September 2026 (until 11:59am), new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 October 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $800 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 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)! Terms and conditions apply.
Valid till 11 Sep 2026
⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 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 October 2026) can receive ONE of the following rewards:
🎁 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 AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 11 Sep 2026
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⚡️【September Flash Deal | Earn additional HK$2,000 Apple Store Gift Card!】⚡️
From now until 30 September 2026, create corporate cards - Airwallex Borderless Card / Airwallex Go Global Business Traveller Card via MoneySmart for your business after successful account opening, and use it to pay for any company expense or spend for the first time within the first 30 days, you can earn an ⚡️ additional HK$2,000 Apple Store Gift Card!
Airwallex can receive funds in 20+ currencies from over 70 countries and regions via Global Accounts, and send payouts to bank accounts in 200+ countries/regions. Earn unlimited 1% cash rebate on your overseas and local spending!
Valid till 30 Sep 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.
Compare Best Credit Cards in Hong Kong 2026
Too much to read? Get the key takeaways in seconds!
- Diverse Card Options and Rewards: Hong Kong credit cards cater to various preferences, offering competitive cashback rates, air miles programs, and reward points across spending categories like dining, online shopping, and digital e-wallets.
- No-Annual-Fee Options: Popular cards like HSBC Red Card, Standard Chartered Smart Card, Hang Seng MMPOWER Card, and Mox Credit offer perpetual or easily waivable annual fees, helping cardholders minimize holding costs.
- Expat and Foreigner Accessibility: Foreign residents can apply using a valid passport alongside an employment contract (typically 9+ months) at major banks like HSBC, Hang Seng, and Standard Chartered, or transfer existing credit profiles via Amex Global Card Transfer.
- Key Cost and Fee Considerations: Cardholders should watch for common fees, including foreign currency transaction charges (typically 1.5–3%), balance transfer fees, and high APR interest rates when balances are not cleared in full.
- Exclusive MoneySmart Perks: Applying through financial aggregators like MoneySmart often unlocks extra welcome rewards, cash rebates, or promotional gifts beyond standard bank offers.
Compare Credit Cards in Hong Kong: Annual Fees and Minimum Salary
| Credit Card | Minimum Salary | Annual Fee |
|---|---|---|
| Citi Cash Back Card | HK$120,000 | 1,800 |
| Standard Chartered Cathay Mastercard | HK$96,000 | HK$2,000 |
| Mox Credit Card (CashBack) | HK$0 | HK$0 |
| Hang Seng MMPOWER Card | HK$150,000 | HK$0 |
| DBS Black World Mastercard | HK$240,000 | HK$2,000 |
| American Express Platinum Credit Card | HK$300,000 | HK$2,200 |
| WeWa UnionPay Diamond Card | HK$0 | HK$1,500 |
| EarnMORE UnionPay Diamond Card | HK$0 | HK$1,500 |
| HSBC Red Card | HK$120,000 | HK$0 |
Credit Cards in Hong Kong: An Overview
Why Credit Cards Matter
Key Features to Consider When Comparing HK Credit Cards
When choosing a credit card, you may consider the following factors to choose which card’s the best for you:
Annual fees and waivers
Some hk credit cards waive annual fees permanently, while others charge annual fees unless you meet a spending threshold. However, some credit cards that charge high annual fees may offer prestigious benefits that could potentially outweigh the annual fees you pay.
Interest rates
Credit cards often charge much higher APRs than personal loan if you carry a balance. Aim to repay in full instead of paying the minimum payment only.
Rewards structure
Don’t forget to check out their caps and exclusions as well.
Promotions
Limited-time welcome offers can boost value with rebates, gadgets, or vouchers. Applying through aggregators like MoneySmart often offers extra gifts than applying for the credit cards at banks directly.
Choosing wisely ensures you pick a card that fits your lifestyle and maximises value.
Using HK Credit Cards for Different Spending Categories
Credit cards work best when matched to daily routines. In Hong Kong, where dining, shopping, and digital wallets are part of everyday life, the right card can stretch your spending further.
Dining and Entertainment
With HSBC Visa Signature, you can also choose Dining as your designated category at Red Hot Rewards of Your Choice programme, allowing you to earn an extra 5X RewardCash at a wide range of merchants. Besides, you can also set menus at selected restaurants at Hong Kong Restaurant Week with HSBC credit cards.
Travel and Miles
Earning miles from as low as HK$2 = 1 mile, Standard Chartered Cathay Mastercard is another popular card for those who aim for earning miles. There are 3 tiers of Standard Chartered Cathay Mastercard that recognise different banking relationships with Standard Chartered, each offering its own travel and lifestyle offers.
Online Shopping and Digital Wallets
Cards that integrate with PayMe, AlipayHK, and Octopus offer cashback or bonus miles for e-wallet top-ups. DBS Black World Mastercard also counts digital wallet reloads as eligible for bonus miles, suitable for people who often make retail transactions paid through e-Wallets.
Everyday Essentials
From January 1 to December 31, 2026, American Express Platinum Credit Card offers double points at supermarkets, petrol stations, and convenience stores.
Entertainment and Mobile Payments
PrimeCredit’s WeWa Visa Signature Card focuses on entertainment spending. From now till June 30, 2026, It offers cash rebate of up to 4% for spending in specific Fun Categories, namely Mobile Payment, Travel, Overseas Spending and Online Entertainment. For Online Entertainment category, it encompasses eligible spending on popular video and audio streaming services including Netflix, Disney+, Spotify and gaming platforms such as Nintendo and Playstation.
5 Types of Hong Kong Credit Cards
Hong Kong credit cards are issued by 5 major card networks: Visa, Mastercard, American Express, UnionPay, and JCB.
- Visa and Mastercard: These two networks take up most of the market share with a long history. They are accepted almost everywhere in the world and are essential for any traveler.
- American Express: The Hong Kong Amex card can be used in over 130 countries and is highly regarded for its premium travel benefits and concierge services.
- UnionPay: These cards are excellent for spending in Mainland China. Many Hong Kong banks have launched dual-currency options, such as the HSBC UnionPay Dual Currency Credit Card and Standard Chartered UnionPay Dual Currency Platinum Credit Card, to benefit frequent cross-border travelers.
- JCB: Perfect for those who travel often to Japan, as they offer exclusive discounts and access to JCB Plaza lounges. Currently, only BEA (Bank of East Asia) and AEON issue JCB credit cards in Hong Kong.
Major HK Bank Credit Cards by Issuer
Most Hong Kong credit cards are issued by leading banks and card networks. Below are the major HK bank credit cards available for comparison:
| Bank | Popular Credit Card(s) | Best For |
|---|---|---|
| HSBC | HSBC Red Card, HSBC EveryMile, HSBC Visa Signature | Online shopping, miles, flexible rewards |
| Standard Chartered | Smart Card, Cathay Mastercard, Simply Cash | Cashback, Asia Miles, FX spending |
| Hang Seng Bank | MMPOWER, Travel+ Visa Signature, enJoy | Online & overseas spending, dining |
| DBS Bank | Black World Mastercard, Compass Visa | Miles, digital wallets, online |
| Citibank | Cash Back Card, PremierMiles | Cashback, reward points, travel |
| American Express | Platinum Credit Card | Premium travel, concierge |
What Customers are Saying About MoneySmart Credit Card Applications (From Google Reviews)
Review by Y Becca
Customer service is good, timely response, helpful. Great experience with MoneySmart. Will continue to apply credit card through MoneySmart in the future.
Review by Hok Ching Cheng
Credit Card Welcome Offers - MoneySmart Exclusive
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| Citi Cash Back Card |
| Promo Codes + HK$2,400 Vouchers / Rewards Up to HK$6,488 | 11 Sep 2026 till 11 Sep 2026 |
| HSBC EveryMile Credit Card |
| 🚀 Trip.com Promo Codes + HK$650 Rewards + Up to $1,450 RewardCash | 10 Sep 2026 till 11 Sep 2026 |
| Standard Chartered Smart Card |
| HK$800 Vouchers or Rewards Worth Up to HK$1,499 | 11 Sep 2026 till 30 Sep 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.
Best Credit Cards in Hong Kong Without Annual Fee
For many Hongkongers, the best credit card in Hong Kong is simply the one with no annual fee. A credit card with no annual fee helps cardholders save on card costs and maximise the rewards they earn. You can enjoy a fee waiver for life or within the promotional period, depending on the card you apply for.
Popular no-annual-fee cards in Hong Kong include:
| No Annual Fee Credit Card | Annual Fee Waiver |
|---|---|
| HSBC Red Card | HK$0 |
| Standard Chartered Smart Card | HK$0 |
| Hang Seng MMPOWER Card | HK$0 |
| Hang Seng enJoy Card | HK$0 |
| EarnMORE UnionPay Card | First 2 years |
| WeWa UnionPay Card | HK$800 |
| Mox Credit | HK$0 |
For most cards that do charge an annual fee, a call to the bank's hotline or a quick tap in the banking app is often all it takes to have the fee waived, especially if you spend regularly on the card or are a loyal customer.
Hong Kong Credit Cards for Foreigners and Expats
If you've just moved to Hong Kong, you can still apply for a Hong Kong credit card, but the requirements differ slightly from local applicants.
The key document is your Hong Kong Identity Card (HKID), whether permanent or non-permanent. Most banks require a valid HKID to process your application. However, several major banks will consider applications from foreigners using a valid passport combined with an employment contract (usually nine months or more):
| Bank | Minimum Annual Income | Accepts Passport + Contract? |
|---|---|---|
| HSBC | HK$120,000 | Yes (9-month employment contract) |
| Hang Seng Bank | HK$150,000 | Yes (9-month employment contract) |
| Standard Chartered | HK$96,000 | Yes (employment contract) |
| Citibank | HK$120,000 | HKID required |
| American Express | HK$150,000 | Yes (Global Card Transfer) |
| Mox | Not stated | HKID required |
Standard Chartered has the lowest stated income threshold among major traditional banks at HK$96,000 a year for its Smart Card, making it a popular first card for new arrivals.
If you already hold an American Express card in your home country, the Amex Global Card Transfer programme lets you carry over your credit history to Hong Kong, often the fastest route to a local card before your HKID arrives.
Documents you'll typically need: your HKID or passport (with employment contract), a recent payslip, an employment letter, and proof of address. Most banks return a decision within two to five working days.
Most Prestigious Credit Cards in Hong Kong
For high-net-worth Hongkongers, the most prestigious credit cards in Hong Kong are invitation-only and carry substantial annual fees, but unlock luxury travel, dining, and lifestyle privileges.
| Credit Card | Annual Fee | What Makes It Prestigious |
|---|---|---|
| American Express Platinum Card | HK$9,500 | Membership Rewards, airport lounges, travel and dining privileges |
| Citibank Prestige Card | HK$3,800 | Travel rewards and lifestyle privileges |
Which is better: Visa or Mastercard credit card?
Both Visa and Mastercard offer its own network benefits including travel, luxury hotel, dining and more when it comes to foreign spending, Mastercard often offers slightly better exchange rate, but for everyday card users, there is not much difference between Visa and Mastercard. It is suggested to find the right credit card by focusing on each card offer and perks of your choice, and be aware of annual fee, cash back, air miles or rewards that you are looking for.
Compare Credit Cards in Hong Kong
Miles Credit Cards
- Standard Chartered Asia Miles Mastercard: HK$4/ mile for dining and online spending
- Citi PremierMiles Card: HK$3/ mile for foreign currency transactions
Cashback Credit Cards
- Standard Chartered Simply Cash Visa Card: 2% rebates on foreign currency transactions
- Citi Cash Back Card: 2% rebates on overseas spending and local dining
- EarnMORE UnionPay Card: 2% rebates on all spending
Reward Points Credit Cards
- Citi Rewards Card: 5x points all-year-round at supermarkets, department stores, and telecom providers
- HSBC Visa Signature Card: Up to 14x “RewardCash” for selected categories
What Are the Easiest Credit Cards to Get Approved for in Hong Kong?
Low Income Requirement Credit Cards
No Annual Fee Credit Cards
How many credit cards can I apply for?
There is no absolute limit on the number of credit cards you can have. Having more than one credit card can allow you to get different credit card offers and benefits for different cards, you can also earn various rewards like air miles or cashback on your daily spending.
However, applying for too many credit cards at a time can hurt your credit score and the chances of credit card approval. Even though the damage on credit scores are only temporary, if you are hoping to get a mortgage or personal loan in the coming months, it is best to keep your credit report nice and clean.
Common Credit Card Fees
Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.
Balance transfer fees
Charged when you move a balance from one card to another, usually 3-4% of the amount.
Late payment fees
If you don’t pay at least the minimum payment on your credit card payment due date, you may incur a late payment fee, usually $80-350 HKD.
Foreign transaction fees
If you love to travel, be cautious of this fee whenever a purchase is made outside of Hong Kong, as it is typically between 3-4% of the purchase amount.
Common Credit Card Mobile App Features in Hong Kong
Mobile apps are now central to how Hongkongers manage credit cards. Most major issuers now integrate digital tools to simplify payments, track spending, and redeem rewards without paperwork.
Instant Alerts and Security
Spending alerts and push notifications are standard across leading banking apps. Every time you swipe or tap, an instant message shows the transaction details. This makes it easier to catch fraud early and manage daily budgets. Many apps also offer biometric login and one-tap card freezing for extra security.
Rewards Tracking and Redemption
Instead of waiting for paper statements, users can track rewards in real time. Cashback balances, air miles, and merchant rebates are displayed in app dashboards. Some issuers also let cardholders redeem rewards instantly — for example, converting points into spending credits or discounts at partner merchants without leaving the app.
Lifestyle Integration
Beyond payments, apps increasingly tie into lifestyle platforms. Cardholders can link accounts to e-wallets like PayMe or AlipayHK, pay bills directly, or split expenses with friends. Limited-time offers, such as dining or shopping discounts, often appear first in mobile apps, rewarding those who check regularly.
Most Popular Hong Kong Credit Card Types
The most popular credit cards in Hong Kong fall into three main categories: Air Miles Credit Cards, Cashback Credit Cards, and Shopping Credit Cards.
| Card Type | Credit Card | Features |
|---|---|---|
| Air Miles Credit Card | Standard Chartered Cathay Mastercard | Miles conversion (eligible spending on Cathay and HK Express) as low as HK$2=1 mile. |
| Cashback Credit Card | Citi Cash Back Credit Card | Unlimited 2% cashback on overseas spending and local dining, unlimited 1% on local transactions; First-year annual fee waiver. |
| Shopping Credit Card | sim Credit Card | Up to 8% cashback on online retail and local public transport; First-year annual fee waiver; No income requirement. |
Why Compare Hong Kong Credit Cards with MoneySmart?
Best Credit Cards in Hong Kong Frequently Asked Questions
Which credit card is the best in Hong Kong?
- There is no single card that suits everyone. Card applicant should pick credit cards with different spending categories to earn the most rewards. For reward point credit cards, cardholders can exchange for cash rebates, air miles, coupons, and other gifts flexibly. Air miles credit cards are suitable for frequent flyers who don’t mind the complicated redemption procedure. Cashback credit cards are suitable for low spenders to get rebates directly.
Which credit card has no foreign exchange fee?
- Most UnionPay Cards do not charge a foreign exchange fee. But it doesn’t mean that it’s best to use UnionPay Cards for foreign transactions. To make your hard-earned money go further, other factors like transaction fees, earning ratio, etc. should also be taken into consideration.
What is the difference between a credit card and a debit card?
- A credit card lets you borrow from the bank up to a limit, repay later, and possibly earn rewards like cashback or air miles. A debit card deducts money directly from your bank account, so there’s no borrowing or interest. Credit cards help build credit history and offer perks, but you must repay on time to avoid charges. Debit cards are simpler for budgeting since you only spend what you have.
How is finance charge / interest calculated if I don’t pay the full balance?
- If you don’t clear your full statement balance, the bank charges interest daily from the transaction date until payment is made. This is based on your annual percentage rate (APR), converted into a daily rate. Once you carry a balance, new purchases may also lose their interest-free period. To avoid high charges, always try to pay in full or at least more than the minimum.
Can I use my Hong Kong credit card overseas, and what are the fees?
- Yes, most Hong Kong credit cards work overseas wherever Visa, Mastercard, UnionPay, or American Express are accepted. You’ll likely pay a foreign transaction fee, typically 1.5–3% of the amount, plus any currency conversion differences. Some cards waive these fees, making them better for frequent travellers. Always notify your bank before long trips to avoid unexpected declines.
How do I get the annual fee waived or reduced?
- Many banks in Hong Kong waive the first year’s annual fee automatically. After that, you may qualify for a waiver if you reach a certain spending amount or maintain good payment history. A simple phone call to customer service often works, especially if you’re a loyal customer. Some cards are permanently “no annual fee” options if you want to avoid this hassle.
What should I do if my credit card is lost or stolen?
- Report the loss to your bank immediately so they can block the card and prevent unauthorised use. Most issuers provide a 24-hour hotline. You’ll usually get a replacement card quickly, and in many cases your liability for fraudulent charges is limited once reported. Keep your bank’s emergency contact handy when travelling.
How is my credit limit determined, and can I request an increase?
- Your credit limit depends on your income, credit history, and the bank’s assessment of your repayment ability. Over time, if you consistently repay on time, you may request an increase. Banks often review your spending pattern and salary proof before approving. If you want a higher limit, call customer service or apply through online banking.
What exclusive offers can I enjoy if I apply for credit cards through MoneySmart?
- MoneySmart partners with various banks in Hong Kong, such as Citibank, HSBC and SCB to give exclusive offers. Click now to find the latest offers!
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.