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!
【🚨 Limited-Time Flash Offer: Earn Up to HK$2,000 RewardCash — Your #1 Card for Mainland China & Macau! 🇨🇳】
From 1 August to 31 August 2026, New Credit Card Customers who apply for the HSBC Pulse UnionPay Diamond Credit Card via MoneySmart with promo code "MARTFLASH", get approved, and make Eligible Transactions of HK$8,000 or above within 60 days of card issuance (including at least one mobile or QR payment), can earn an extra $1,000 RewardCash on top of the base welcome offer — totalling up to $2,000 RewardCash!
1️⃣ Spend HK$8,000 within the first 60 calendar days after card issuance: Earn $800 RewardCash
2️⃣ [⚡️ Flash Extra Welcome Offer!] Earn an extra $1,000 RewardCash
3️⃣ Successfully apply for a Cash Instalment Plan: Earn an extra $200 RewardCash
💡 Tip: Earn up to 4.4% RewardCash on QR and mobile payments in Mainland China and Macau — plus save 1.95% on RMB and MOP transactions. Apply now and unlock the flash offer!
Valid till 31 Aug 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 August 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 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 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 31 Aug 2026
⚡【6-Day Flash Offer ✨ Upgraded Gifts or HK$2,200 Cash Voucher! Rewards Worth Up to HK$5,200 +Trip.com Promo Codes! 🎉】
From 1 August to 6 August 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 30 September 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 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
🎁 Insta360 GO 3S Retro Bundle Special Edition (Value: HK$2,449, random color) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800
🎁 Philips Baristina Espresso Machine BAR300/00 (Value: HK$5,698) — redeem at a discounted price of HK$1,400
🎁 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
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 06 Aug 2026
✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 August 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 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 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 31 Aug 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 August 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 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
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)
⠀⠀
See more reward details below
Valid till 31 Aug 2026
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make a respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $600 RewardCash; Successfully apply for the Spending Instalment Plan, and enjoy an additional $200 RewardCash!
Valid till 28 Feb 2027
✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 August 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 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
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)
⠀⠀
See more reward details below
Valid till 31 Aug 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, 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 $2,000 RewardCash + 4.4% Mainland China & Macau Rebate | 1 Aug 2026 till 31 Aug 2026 |
| EarnMORE UnionPay Diamond Card |
| PrimeCredit x MoneySmart welcome offer: up to HK$1,540 cash rewards From now until 31 August 2026, new applicants for the EarnMORE UnionPay Diamond Card via MoneySmart can earn 3,000 SmartPoints and redeem HK$300 in vouchers in the Rewards Store (over 20 brand vouchers including Apple, Wellcome, HKTVmall, among others). New PrimeCredit card customers can receive an additional HK$300 cash rebate plus 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) See more reward details below | 1 Aug 2026 till 31 Aug 2026 |
| Citi Rewards UnionPay Card |
| From 1 August to 6 August 2026, new Citi card applicants via MoneySmart who spend HK$4,000 within 30 days after card issuance (approval by 30 September 2026) qualify to receive one of the following rewards: • 8 × Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or • 4 × 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 • Insta360 GO 3S Retro Bundle Special Edition (Value: HK$2,449; random color) or • HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers Additional top-up gift options with Citi Credit Card redemption: • Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800 • Philips Baristina Espresso Machine BAR300/00 (Value: HK$5,698) — redeem at a discounted price of HK$1,400 • 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 • Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300 Trip.com promotions: 8% off hotel bookings + HK$100 flights promo code (claim submission) | 1 Aug 2026 till 6 Aug 2026 |
| WeWa UnionPay Diamond Card |
| From now until 31 August 2026, new customers applying for one of the designated WeWa cards through MoneySmart (WeWa Visa Signature Card, WeWa Visa Platinum Card, or WeWa UnionPay Diamond Card) can choose one exclusive reward upon approval — no minimum spend required:
• 3,000 SmartPoints (no spending required) • HK$300 in Rewards Store vouchers (20+ brands including Apple, Wellcome, HKTVmall) New PrimeCredit Card customers can also receive an additional 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$90,000 in interest-free and handling-fee-free cash instalment program • Exclusive Welcome Offer for tertiary students: HK$200 cash rebate (extra reward fulfilled by PrimeCredit) Further reward details follow below | 1 Aug 2026 till 31 Aug 2026 |
| EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students) |
| PrimeCredit x MoneySmart welcome offer: up to HK$1,540 cash rewards From now until 31 August 2026, new applicants for the EarnMORE UnionPay Diamond Card via MoneySmart can earn 3,000 SmartPoints and redeem HK$300 in vouchers in the Rewards Store (over 20 brand vouchers including Apple, Wellcome, HKTVmall, among others). New PrimeCredit card customers can receive an additional HK$300 cash rebate plus 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) See more reward details below | 1 Aug 2026 till 31 Aug 2026 |
| HSBC UnionPay Dual Currency Credit Card |
| Earn Up to $800 RewardCash | 1 Mar 2026 till 28 Feb 2027 |
| WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students) |
| From now until 31 August 2026, new customers applying for one of the designated WeWa cards through MoneySmart (WeWa Visa Signature Card, WeWa Visa Platinum Card, or WeWa UnionPay Diamond Card) can choose one exclusive reward upon approval — no minimum spend required:
• 3,000 SmartPoints (no spending required) • HK$300 in Rewards Store vouchers (20+ brands including Apple, Wellcome, HKTVmall) New PrimeCredit Card customers can also receive an additional 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$90,000 in interest-free and handling-fee-free cash instalment program • Exclusive Welcome Offer for tertiary students: HK$200 cash rebate (extra reward fulfilled by PrimeCredit) Further reward details follow below | 1 Aug 2026 till 31 Aug 2026 |
UnionPay Diamond Card vs UnionPay Platinum Card
| UnionPay Card Tier | Benefits & Features |
|---|---|
| UnionPay Diamond Card |
|
| UnionPay Platinum Card |
|
UnionPay Credit Card Offers & Benefits (Hong Kong Edition)
UnionPay credit cards are known for their wide range of perks and spending rewards — if you know how to use them smartly, you can save a lot!
Spending Offers
Each UnionPay credit card comes with its own mix of local, overseas, online shopping, and mobile payment promotions. For example, when travelling, you can enjoy extra reward points, cashback, or air miles by using your UnionPay card.
Free Airport Lounge Access with UnionPay Diamond Card
UnionPay Diamond cardholders who spend HK$ 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 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, 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.