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.
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We found 10 credit cards for you!
【🌟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.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs 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
⚡【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.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
Valid till 17 Sep 2026
✨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
🌟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
【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 30 September 2026, 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.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 30 Sep 2026
✨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
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.
UnionPay Credit Card Recommendations 2025
| Credit Card | Best For | Rewards |
|---|---|---|
| Credit CardWeWa UnionPay Diamond Card | Best ForFor users who frequently pay using mobile methods (Apple Pay, OmyCard QR Code, or UnionPay Mobile QuickPass | RewardsUp to 4% cashback |
| Credit CardEarnMORE UnionPay Diamond Card | Best ForApplicable to both local and overseas spending, most daily spending and manual Octopus top-up earn 2%; base cashback is 1% | RewardsUp to 2% cashback on local and overseas spending |
| Credit CardCiti Rewards UnionPay Card | Best ForSuitable 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 points | RewardsMiles redemption as low as HK$1.8 = 1 mile |
| Credit CardHSBC Pulse UnionPay Dual Currency Diamond Credit Card | Best ForNo transaction fees for spending in Mainland China and Macau; no need to worry about exchange rate fluctuations — suitable for frequent travelers | RewardsMiles redemption as low as HK$4.17 = 1 mile |
Foreign Transaction Fees for UnionPay Credit Cards
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
| 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.
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 |
UnionPay Credit Card Welcome Offer
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| HSBC Pulse UnionPay Dual Currency Diamond Credit Card |
| 🌟 Up to $1,000 RewardCash + 8% Apple Spending Rebate | 11 Sep 2026 till 30 Nov 2026 |
| EarnMORE UnionPay Diamond Card |
| New MoneySmart EarnMORE UnionPay Diamond Card applicants via MoneySmart can receive 3,000 SmartPoints with no spending and redeem HK$300 in vouchers or products from the Rewards Store (20+ brands including Wellcome, HKTVmall, Apple, Samsung, etc). The offer runs until 30 September 2026.
New PrimeCredit card customers can also enjoy the PrimeCredit Welcome Offer with an Extra HK$300 cash rebate and choose one of the following offers: | 1 Sep 2026 till 30 Sep 2026 |
| Citi Rewards UnionPay Card |
| ⚡ Trip.com Promo Codes + HK$2,400 Vouchers or Rewards Worth Up to HK$6,488 | 11 Sep 2026 till 17 Sep 2026 |
| WeWa UnionPay Diamond Card |
| Until 30 Sep 2026, new applicants for designated MoneySmart credit cards can choose from these rewards upon approval, with no minimum spend:
• 3,000 SmartPoints plus HK$300 in vouchers or products from the Rewards Store (over 20 brands including Wellcome, HKTVmall, Apple, Samsung)
New PrimeCredit Card holders can also receive an extra HK$300 cash rebate, and 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)
See more reward details below | 1 Sep 2026 till 30 Sep 2026 |
| EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students) |
| New MoneySmart EarnMORE UnionPay Diamond Card applicants via MoneySmart can receive 3,000 SmartPoints with no spending and redeem HK$300 in vouchers or products from the Rewards Store (20+ brands including Wellcome, HKTVmall, Apple, Samsung, etc). The offer runs until 30 September 2026.
New PrimeCredit card customers can also enjoy the PrimeCredit Welcome Offer with an Extra HK$300 cash rebate and choose one of the following offers: | 1 Sep 2026 till 30 Sep 2026 |
| HSBC UnionPay Dual Currency Credit Card |
| 🚀 Trip.com Promo Codes + HK$650 Rewards + Up to $800 RewardCash | 11 Sep 2026 till 30 Sep 2026 |
| WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students) |
| Until 30 Sep 2026, new applicants for designated MoneySmart credit cards can choose from these rewards upon approval, with no minimum spend:
• 3,000 SmartPoints plus HK$300 in vouchers or products from the Rewards Store (over 20 brands including Wellcome, HKTVmall, Apple, Samsung)
New PrimeCredit Card holders can also receive an extra HK$300 cash rebate, and 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$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
See more reward details below | 1 Sep 2026 till 30 Sep 2026 |
UnionPay Diamond Card vs UnionPay Platinum Card
| UnionPay Card Tier | Benefits & Features |
|---|---|
| UnionPay Diamond Card |
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| UnionPay Platinum Card |
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UnionPay Credit Card Offers & Benefits (Hong Kong Edition)
UnionPay credit cards are known for their wide range of perks and spending rewards — if you know how to use them smartly, you can save a lot!
Spending Offers
Each UnionPay credit card comes with its own mix of local, overseas, online shopping, and mobile payment promotions. For example, when travelling, you can enjoy extra reward points, cashback, or air miles by using your UnionPay card.
Free Airport Lounge Access with UnionPay Diamond Card
UnionPay Diamond cardholders who spend HK$ 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)
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.
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 |
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.
AI Summary: Key Highlights of UnionPay Credit Cards
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.