HSBC UnionPay Dual Currency Credit Card is best for frequent travelers to China because it provides a seamless transition between HKD and RMB. With this card, cardholders can enjoy flexible payment in Hong Kong dollars for transactions in Hong Kong and Renminbi for purchases in China without worrying about fluctuations in exchange rate. Moreover, cardholders can enjoy multiple RewardCash rebates on top of the basic rebate. Card members can earn up to 2.4% RewardCash rebate with “Red Hot Rewards of Your Choice” and up to 2.4% RewardCash rebate with “Red Hot Online & Overseas Spending Rewards”.
WeWa UnionPay Card is best for cash rebate seekers. Cardholders can earn HK$10 Cash Rebate for every HK$250 spending at selected categories namely “Travel”, Cinema”, “Karaoke” and “Theme Park'' throughout the year. With this card, cardholders can access 130 designated LoungeKey airport lounges and enjoy HK$1 for handcrafted beverages in HK Airport Pacific Coffee. Cardholders can also enjoy 2-for-1 tickets at UA Cinemas on Fridays. This card also offers a 3-month non-interest transaction instalment with an application through the OmyCard app. Cardholders can also enjoy transactions in foreign currency without any transaction fee.
Earnmore UnionPay Card is best for cash rebate seekers in all spending categories. Cardholders can earn up to 2% cash rebate for all eligible purchases throughout the year. Cardholders can get access to 130 LoungeKey airport lounges and enjoy handling fee waiver for overseas spending. Up until 31 May 2020, cardholders can also enjoy extra up to 5% cash rebate on spending in Taiwan.
AEON UnionPay Credit Card is best for cash rebate seekers on lifestyle usage. Cardholders can enjoy discounts throughout the year at AEON’s massive merchant network with the "AEON Member Price", and get 5% discount at AEON on “Thanksgiving Days”, which is the 2nd and 20th of every month. Moreover, members are entitled to 2% rebate upon the first HK$25,000 credit spending as a welcome offer. No transaction fee is imposed by AEON on any overseas transactions.
Bank of China CUP Dual Currency Platinum Card is best for people who are looking for a Union Pay card with the low-income requirement. This card offers dual currency which can avoid exchange rate fluctuation between HKD and RMB. Cashback on overseas spending is 0.5% and the earnings ratio of Air Miles (Overseas) = HK$15= 1 Mile, you can also get 4% cash rebate for UnionPay QuickPass Transactions all around the world. Cardholders can access all benefits of UnionPay which include fee waiver in foreign currency transaction fee, access to premium airport lounge service, airport limousine transfer and UnionPay travel assistance.