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Best Unionpay Credit Cards in Hong Kong

Compare Unionpay credit cards in Hong Kong to get Unionpay exclusive discounts, from free movie tickets to supplementary airport lounge access. Read More
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We found 8 Credit Cards for you!
Recommended
WeWa UnionPay Diamond Card
MoneySmart Exclusive

WeWa UnionPay Diamond Card

Min. Annual Salary
HK$0
Annual Fee
First 2 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%
Apply and redeem any of these rewards

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 31 August 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New customers of PrimeCredit Credit Card who successfully apply for WeWa Card through MoneySmart can get: LG 27-inch Full HD IPS Smart Monitor (27U511SA-W) (Suggested price: HK$1,980) or Marshall Emberton II  Portable Bluetooth Speaker (Suggested price: HK$1,499) or HK$500 cash rebate or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
Citi Rewards UnionPay Card
MoneySmart Exclusive
1% Points Rebate for all local Mobile Payments

Citi Rewards UnionPay Card

Minimum Income Requirements
HK$120,000
Cashback on shopping & entertainment transactions
8.1X points
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

🔥Offer Extended!【Choose Your Gift: K-Beauty Device & Premium Audio Quality!】
From 1 August until 1 September 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・🆕 B&O Beoplay EX Black Anthracite (Value: HK$3,678)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Plus Minus Zero XJC-G040 Cordless Cleaner (Value: HK$2,480)

Valid until 01 Sep 2025 - See more details below
Apply Now
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
MoneySmart Exclusive

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
Valid until 31 Aug 2025 - See more details below
Apply Now
AEON UnionPay Credit Card

AEON UnionPay Credit Card

Min. Annual Salary
HK$0
Foreign Transaction Fee
HK$0
Discount on selected merchants
5%
Read More
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply and redeem any of these rewards

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,170 cash rewards】
MS Exclusive: From now until 31 August 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$970 : [Limited-time!] extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or Toshiba Free Installation & Stand Dishwasher (DWS-22AHK) (Suggested price: HK$2,898) or Samsung Galaxy Tab A9 (LTE) (Suggested price: HK$1,688) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
3 Complimentary airport lounges access per year

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

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply and redeem any of these rewards

🌟Newly Upgraded【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,170 cash rewards】
MS Exclusive: From now until 31 August 2025, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New customers of PrimeCredit Credit Card who successfully apply for EarnMORE UnionPay Diamond Card through MoneySmart can earn 🌟up to HK$970 : [Limited-time!] extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or Toshiba Free Installation & Stand Dishwasher (DWS-22AHK) (Suggested price: HK$2,898) or Samsung Galaxy Tab A9 (LTE) (Suggested price: HK$1,688) or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now
HSBC UnionPay Dual Currency Credit Card
MoneySmart Exclusive

HSBC UnionPay Dual Currency Credit Card

Min. Annual Salary
HK$60,000
RewardCash Rebate
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
【Welcome Offer up to $800 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $600 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
Valid until 31 Aug 2025 - See more details below
Apply Now
WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive

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

Min. Annual Salary
HK$0
Annual Fee
First 5 year annual fee waiver
Cash rebate on travel spending and designated spending categories
4%
Apply and redeem any of these rewards

【MoneySmart Exclusive Offer】Want to get extra vouchers from MoneySmart?
From now until 31 August 2025, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand products including Asia Miles / Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New customers of PrimeCredit Credit Card who successfully apply for WeWa Card through MoneySmart can get: LG 27-inch Full HD IPS Smart Monitor (27U511SA-W) (Suggested price: HK$1,980) or Marshall Emberton II  Portable Bluetooth Speaker (Suggested price: HK$1,499) or HK$500 cash rebate or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program (Extra reward fulfilled by PrimeCredit).

Valid until 31 Aug 2025 - See more details below
Apply Now

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

AI Summary: Key Highlights of UnionPay Credit Cards

  • UnionPay credit cards offer up to 4% cashback on mobile payments, 2% cashback on local and overseas spending, and exclusive rewards such as mileage redemption
  • Cardholders of UnionPay Diamond Cards enjoy complimentary airport lounge access and global concierge services, ideal for frequent travelers
  • UnionPay dual-currency credit cards eliminate foreign transaction fees in Mainland China and Macau, offer up to 4.4% cashback, and come with perks such as airport transfers—perfect for spending across Hong Kong, Mainland China, Macau, and Taiwan.

    • UnionPay Credit Card Recommendations 2025

    Credit CardBest ForRewards
    WeWa UnionPay Diamond CardFor users who frequently pay using mobile methods (Apple Pay, OmyCard QR Code, or UnionPay Mobile QuickPassUp to 4% cashback
    EarnMORE UnionPay Diamond CardApplicable to both local and overseas spending, most daily spending and manual Octopus top-up earn 2%; base cashback is 1%Up to 2% cashback on local and overseas spending
    Citi Rewards UnionPay CardSuitable for users who often attend concerts, go to the cinema, subscribe to music or video streaming platforms, or buy theme park tickets — earn up to 3% rebate in pointsMiles redemption as low as HK$1.8 = 1 mile
    HSBC Pulse UnionPay Dual Currency Diamond Credit CardNo transaction fees for spending in Mainland China and Macau; no need to worry about exchange rate fluctuations — suitable for frequent travelersMiles redemption as low as HK$4.17 = 1 mile

    Foreign Transaction Fees for UnionPay Credit Cards

    When traveling to Mainland China or overseas, many people prefer using UnionPay cards for spending.

    While Visa and Mastercard typically charge a 1.95% foreign transaction fee, most UnionPay cards do not charge any foreign currency transaction fees, except those issued by Hang Seng Bank and HSBC, which may still impose such charges.

    UnionPay Exchange Rate

    UnionPay’s exchange rate is usually lower than Visa’s but higher than Mastercard’s. However, since UnionPay payments are exempt from foreign transaction fees, you should check your credit card’s handling fee and any foreign spending offers before making a payment to decide which card gives you better value. HKD to JPY Exchange Rate
    Card Network JPY per HKD*
    UnionPay JP$18.928
    Mastercard JP$18.837
    Visa JP$19.209

    *Exchange rates as of 1:00 PM, August 6, 2025.

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    Comparison: UnionPay vs Visa, Mastercard, AE

    Card Network Foreign Transaction Fee Ideal Usage Scenarios
    UnionPay / UnionPay Dual Currency Cards No transaction fee Best for spending in Mainland China, local retail, and online payments
    Visa & Mastercard Around 1–2% Widely accepted worldwide; great for international travel, online shopping, and local use
    American Express (AE) Around 1–2% Ideal for everyday and premium spending like hotels, dining, and travel
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    UnionPay Diamond Card vs UnionPay Platinum Card

    UnionPay Card Tier Benefits & Features
    UnionPay Diamond Card
    • Entertainment Concierge Service: Assistance with booking global events and shows.
    • Lounge Access: Spend HK$12,000 across any two consecutive months to enjoy 3 complimentary entries to airport lounges (LoungeKey) and High-Speed Rail VIP lounges, sharable with friends and family.
    UnionPay Platinum Card
    • Disneyland Priority Access: Priority admission to "Mickey and the Wondrous Book" show at Hong Kong Disneyland, with a meet-and-greet experience with Disney characters after the performance.
    • UnionPay Priority Ticketing for selected events.
    • Entertainment Concierge Service: Assistance with booking global events and shows.
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    UnionPay Credit Card Offers & Benefits (Hong Kong Edition)

    UnionPay credit cards are known for their wide range of perks and spending rewards — if you know how to use them smartly, you can save a lot!

    Spending Offers

    Each UnionPay credit card comes with its own mix of local, overseas, online shopping, and mobile payment promotions. For example, when travelling, you can enjoy extra reward points, cashback, or air miles by using your UnionPay card.

    Free Airport Lounge Access with UnionPay Diamond Card

    UnionPay Diamond cardholders who spend HK$ 12,000 within any two consecutive calendar months are entitled to 3 complimentary LoungeKey airport lounge visits per year. Coverage includes over 130 designated LoungeKey lounges across Mainland China, Hong Kong, Macau, and Taiwan.

    UnionPay Contactless & Mobile Payment Offers

    UnionPay supports QuickPass (銀聯閃付) via both cards and mobile wallets. You can tap your UnionPay credit/debit card directly at terminals, or link your UnionPay card to Apple Pay for secure, convenient mobile payments using your phoneMany merchants offer exclusive discounts and instant cashback for using UnionPay contactless or mobile payment.

    UnionPay LoungeKey Global Airport & China Railway Lounge Offer (2025)

    This benefit covers access to 1,500+ participating lounges worldwide. UnionPay Eligible Cardholders can enjoy up to 3 complimentary visits to LoungeKey-designated airport and China Railway lounges worldwide, including access for friends and family, upon meeting the spending requirement of HK$ 12,000 within two consecutive statement cycles.

    Dual Currency Credit Card

    Dual currency credit cards are great for jet-setters as they allow you to transact in two different currencies. There are no extra charges for transactions made in either currency. You can allocate your credit limit between your HKD and RMB accounts. Do note bill payment is separate for your HKD sub-account and RMB sub-account.

    HSBC Dual Currency Diamond Credit Card Benefits

    Travel Perks

    Holders of HSBC Dual Currency Diamond Credit Card can experience travel perks free of charge including free entry to LoungeKey airport lounges for three times every year. Cardholders can also enjoy airport limousine transfers at a privileged rate of HK$250.

    RewardCash

    To maximize your rewards, cardholders can allocate the extra 5X RewardCash Multiplier of the Red Hot Rewards of Your Choice to your preferred category to enjoy a total of 6X Reward Cash and a more favourable rate of HK$4.17 = 1 Asia Mile compared to the regular rate of HK$25 = 1 Asia Mile. You can also earn an extra 2% RewardCash rebate by registering “Red Hot Online and Overseas Spending Rewards.

    All-Year-Round Offers

    Apart from earning HSBC RewardsCash, HSBC credit card also offers dining promotions at popular restaurants and hotel buffets in Hong Kong. Some of the more enticing offers include Nina Hotel, The Cityview, Regal Riverside Hotel, etc. . Check HSBC’s Red Hot Offers listings for the latest dining promotions.

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    UnionPay Credit Card Annual Fees (Hong Kong)

    UnionPay Credit Card Annual Fee
    WeWa UnionPay Diamond Card First 2 years: Waived;Afterwards: HK$1,500/year
    EarnMORE UnionPay Diamond Card First 2 years: Waived;Afterwards: HK$1,500/year
    Citi Rewards UnionPay Card First year: Waived;Afterwards: HK$1,800/year
    HSBC Pulse UnionPay Dual Currency Diamond Credit Card First 2 years: Waived;Afterwards: HK$1,800/year
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    Frequently Asked Questions

    Is UnionPay a Visa card?

    No, UnionPay is not a Visa card. It is more widely accepted in Asian countries while Visa cards are accepted globally.

    How do I pay online with UnionPay?

    Paying online with UnionPay credit cards is just like paying with Visa or Mastercard credit cards. There are more than 10 million overseas online merchants that accept online payment via UnionPay, mostly based in China, Hong Kong, Macau, Japan, and South Korea.

    Which credit card is accepted the most?

    It depends. UnionPay credit cards are more commonly accepted in Asian countries such as China, Hong Kong, Japan, South Korea and Thailand but less widely accepted among merchants in the US and Europe, it’s always the best to keep a Visa and Mastercard credit card when travelling to these regions.

    Does China take UnionPay credit cards?

    Yes, and it’s more commonly used in China comparing to Visa or Mastercard.

    Which credit card is best in Hong Kong?

    This depends on your lifestyle and what you spend the most on. There are cashback cards, reward points cards, air mile cards, and UnionPay cards. Cashback cards offer effortless usage as the cash rebate is automatic. Air mile cards are great for frequent travellers who would take the effort to accumulate expenditure and ensure that they get maximum mile accrual. Reward points cards allow you to gain points and then redeem it for privileges and discounts. UnionPay credit cards are best for people who frequently travel to China, as it supports transactions in two different currencies with no extra charges.

    Is UnionPay Safe to Use?

    The security of UnionPay cards is comparable to major international credit cards such as Visa and Mastercard, with multiple protection mechanisms in place. UnionPay uses EMV chip technology, supports contactless payments (QuickPass), and 3D Secure verification for online transactions, effectively reducing the risk of fraud and unauthorized use. Additionally, the UnionPay network complies with the international PCI DSS security standard, ensuring encrypted transmission of transaction data.