Can I get my credit card welcome offer right after my application?

It depends. After applying for credit cards, you need to fulfill the spending requirements to get welcome offers. Take HSBC Red Card as an example, you’ll need to spend $6,000+ in the first 60 days of card issuance, and use RewardCash to pay for credit card statement or transaction via the “Pay with RC” function in Reward+ to get $1,000 RewardCash welcome offer. Credit cards set limits to not only spending amounts but also spending categories. For example, HSBC credit cards don’t count online bill payments and e-wallet transactions as eligible spending. Make sure you’ve read the Terms and Conditions before swiping your credit cards! But there are some credit cards that give you welcome gifts once your application is approved. Standard Chartered Simply Cash Visa Card gives you 25% cashback for local spending in the first 2 months and up to $1,000 cashback without spending requirements.

Are welcome offers for new customers only?

Generally, yes. Most of the credit cards only prepare welcome offers for new customers, which means that you haven’t held or cancelled credit cards of your designated bank in the past 6-12 months. But some credit cards still give welcome offers to existing customers, but the value of the offer is lower than the new customers. HSBC Visa Signature Card is a good example: they offer up to $800 welcome gifts to new customers, but $400 welcome gifts for existing customers.

Is there anything I need to know while applying for welcome offer credit cards?

After getting your welcome offer, most of the banks reserve the right to charge you a handling fee and take back your welcome offer without any notice if you cancel their credit cards in 12 months of card issuance.

When will I receive my welcome offer?

If you fulfil the spending requirement, like BOC credit cards, they’ll credit the welcome offer directly to your credit card account in 4 to 6 weeks. But make sure your account is working, valid and under a good credit. For other banks, they have their own policies so it’s better for you to check the Terms and Conditions.

Do I need to consider anything else apart from welcome offers?

Yes! Welcome offers are attractive, but it’s still a one-time reward. The basic rebate rate after the introductory period should be one of your considerations. Besides that, you should find out your spending pattern. Say, dining is your main expenses, then you should pick a credit card with the most dining offers. Plus, get to know why you’re applying for a credit card, then pinpoint your expenses to get the most offers like cash back and air miles.

Can I cancel my credit card after receiving the welcome offers?

It varies from card to card. In general, if a cardholder cancels the card in less than 12 months from the date the card is issued, a fee which is equivalent to the value of the welcome offers/ administration fee will be charged.

Best Credit Card Promotion in Hong Kong 2026

Credit Card Welcome Offers in Hong Kong

Credit Card	Welcome Offers	Annual Salary Requirement
Credit CardCiti PremierMiles Card	Welcome OffersEarn 108,000 points (equals to 9,000 miles) / Afternoon tea set for two persons at Mandarin Oriental, Hong Kong/ HK$800 Wellcome Coupons/ HK$700 Sogo Gift Certificate	Annual Salary RequirementHK$360,000
Credit Card Standard Chartered Smart Card	Welcome OffersUp to HK$1,200 Cash Rebate	Annual Salary RequirementHK$96,000
Credit Card Earnmore UnionPay Card	Welcome OffersHK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program	Annual Salary RequirementHK$0
Credit CardStandard Chartered Cathay Mastercard	Welcome OffersUp to 60,000 miles welcome offer Asia Miles	Annual Salary RequirementHK$96,000
Credit CardDBS Black World Mastercard	Welcome Offers Up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000miles	Annual Salary RequirementHK$240,000
Credit CardHang Seng MMPOWER Card	Welcome OffersUp to 8 movie tickets or up to $700 Cash Dollars	Annual Salary RequirementHK$150,000
Credit CardCiti Cash Back Card	Welcome OffersAfternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate	Annual Salary RequirementHK$240,000
Credit CardCNCBI Motion Credit Card	Welcome OffersEnjoy 10% Cash Rebate on spending in foreign currency	Annual Salary RequirementHK$96,000

Which Credit Card has the best welcome offers?

Each credit card offers a special welcome promotion to new customers, whether it’s cash back, air miles or popular gifts like luggage, electronic devices and more, you can easily compare and find the best welcome offers with comparison in MoneySmart.

Types of credit card Welcome rewards

Cashback, air miles, coupons and gifts are the most common welcome offers, compare and select your favourite rewards before applying for a new credit card:

Cashback

Cashback credit cards offer a certain percentage of the spending amount back as rewards. Cardholders can earn extra cash rebates as welcome offers upon successful application and designated spending in the first few months.

Air Miles

Credit cards often provide a tremendous air miles welcome offer to travel lovers. Cardholders can get thousands of air miles, including Asia Miles and Avios, upon designated spending and redeem air tickets for free.

Gifts/Vouchers

Some credit cards provide welcome gifts or supermarket vouchers instead of cashback and airmiles, popular choice of welcome gifts include electronic devices and luggages.

How to get welcome promotions from credit cards?

Most credit cards require cardholders to spend a designated amount to earn the welcome offers of your choice, take Citi Cash Back Card as an example, cardholders can earn up to HK$800 Wellcome Cash Coupon upon accumulating spending of HK$10,000 or above within the first 2 months.

Some credit cards have no minimum spending requirement, where cardholders can earn welcome offers with a special rate for eligible transactions within the first few months of card issuance, like Standard Chartered Asia Miles Credit Card, cardholders can earn Asia Miles with conversion rate as low as HK$0.2 = 1 Asia Mile.

Credit Card Welcome Offer

Credit Card	Card highlights	Promotion	Valid until
Citi Cash Back Card	First Year Annual Fee Waiver Annual Fee Unlimited 2% Rebate on Overseas Spending & Local Dining Unlimited 1% Rebate on Local Spending	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
Mox Credit Card (CashBack)	3% Unlimited CashBack at major supermarkets 2% Unlimited CashBack in all categories Up to HKD4,890 rewards MoneySmart exclusive welcome offer	Trip.com Promo Codes + HK$200 Cash Rebate + Rewards Worth Up to HK$3,890	1 Jul 2026 till 3 Aug 2026
Hang Seng MMPOWER World Mastercard	Perpetual annual fee waiver Annual fee Up to 8% +FUN Dollars on online shopping and designated merchants Up to 5% +FUN Dollars on Online Retail Transaction	Apply for the Hang Seng MMPOWER World Mastercard via MoneySmart and, after spending HK$100 within 30 days after card issuance, you can select one exclusive reward. This offer runs through 31 August 2026 and is open to both new and existing cardholders for online travel bookings, shopping, or upgrading your airport experience. New customers may choose one of the rewards below: • HK$1,000 Apple Store Gift Card or HKTVmall e-Vouchers • Medicube Age-R Booster Pro 6-in-1 Facial Beauty Device (Value: HK$3,700, color selected at random) • 4 × Plaza Premium Lounge APAC 3-Hour Access Passes (Total Value: HK$2,600) • 2 × Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) • LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100) Note: Hong Kong bonus includes lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant. Available at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. Existing customers can also select one of the rewards below: • HK$500 Apple Store Gift Card / HKTVmall e-Vouchers • 2 × Plaza Premium Lounge 3-Hour Passes (Total Value: HK$1,300)	1 Aug 2026 till 31 Aug 2026
The Platinum Card	Up to 9% rebate Foreign Currencies spending during welcome offer period 1,550+ airport lounges Unlimited access 40% Discount at designated restaurants	New American Express Platinum Cardmembers can earn up to 1,320,000 Membership Rewards points and a HK$50 rebate by spending HK$60,000 in the first 6 months and making an Octopus top-up of HK$600 within 3 months, plus additional points for purchases in months 15 to 17. Offer valid until 31 August 2026.	30 Jul 2026 till 31 Aug 2026
Standard Chartered Cathay Mastercard	Up to HK$2=1 mile Miles Conversion(Eligible spending on Cathay and HK Express) HK$4 = 1 mile Miles Conversion (Eligible spending on dining, hotels and overseas category) 40,000 miles Bank Limited Time Welcome Offer	From now until 31 August 2026, new Standard Chartered Cathay Mastercard® applicants through MoneySmart qualify for three benefits upon card approval: 1) MoneySmart Exclusive Gift — No spend required; choose one gift upon card approval: • New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color) • LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100) • SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color) • HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / PARKnSHOP e-Vouchers 2) SCB Welcome Miles — Spend the designated amount within the first 2 months of card issuance and earn up to 120,000 Asia Miles. 3) Surprise Blind Box Lucky Draw — Valid till 9.20 — No registration needed; automatic entry on card approval. Win a minimum of 2,000 Asia Miles up to 1,000,000 Asia Miles — enough to redeem 4 x Business Class round-trip tickets to Europe and 4 x Business Class round-trip tickets to Japan. Plus, Apple Store gift cards or 10,000+ prizes — everyone wins a reward.	1 Aug 2026 till 31 Aug 2026
Standard Chartered Smart Card	HK$0.00 Foreign currency transaction fee 5% Cash back at Designated Merchants Up to HK$2,398 MoneySmart Exclusive Offer	From now until 31 August 2026, new cardholders who successfully apply for the Standard Chartered Smart Card through MoneySmart will receive one of these gifts: • Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color) • SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color) • PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288, random color) • HK$800 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers	1 Aug 2026 till 31 Aug 2026
Citi PremierMiles Card	HK$120,000 Minimum Income Requirements 0.8% Miles Conversion (local spend) $8 = 1 Mile Cash back on local spend	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
DBS Black World Mastercard®	Up to 32,000 miles Welcome Offer HK$2/ mile Upon meeting overseas spending goal* HK$6/mile Local spending	Receive 5,000 SmartPoints when you successfully apply for the DBS Black World Mastercard via MoneySmart by 31 August 2026. The 5,000 SmartPoints can be fully redeemed for HK$500 e-Vouchers from 20+ brands (including Apple, PARKnSHOP, HKTVmall and more) with no spending required. Together with the bank welcome offer, you can enjoy up to HK$500 rewards, up to 32,000 miles, or a DAYCROWN 28" Front-Opening suitcase (fulfilled by DBS).	31 Jul 2026 till 31 Aug 2026
Hang Seng Travel+ Visa Signature Card	Perceptual Annual Fee Waiver Annual Fee Up to 7% +FUN Dollars on Foreign Currency Spending Up to 5% +FUN Dollars on Local Dining Spending	Apply for the Hang Seng Travel+ Visa Signature Card through MoneySmart and, within 30 days of card issuance, spend HK$100 to receive one of the gifts. Offer valid until 31 August 2026. New customers can choose from the following gifts: • 2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300) • BRUNO Worldwide Portable Clothes Dryer BAK817 + BRUNO Multi Travel Pot (110V/220V) BAK810 (Value: HK$796, random color) • HK$600 Apple Store Gift Card / HKTVmall e-Vouchers • Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas) Existing customers can also choose from the following rewards: • HK$300 Apple Store Gift Card / HKTVmall e-Vouchers • Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)	1 Aug 2026 till 31 Aug 2026
HSBC EveryMile Credit Card	低至HK$2 = 1里 Local and oversea spending HK$240,000 Minimum Annual Income Up to $1,450 RewardCash Welcome Offer	Earn Up to $2,925 RewardCash or 58,500 Miles + Lucky Draw Entry	1 Aug 2026 till 31 Aug 2026
DBS Eminent Visa Signature Card	HK$360,000.00 Min. Annual Salary 5％ Rebate on 4 designated categories of spendings 1% Cash back on local spend	Get 5,000 SmartPoints without Spending!	31 Jul 2026 till 31 Aug 2026
HSBC easy Credit Card	HK$120,000 Min. Annual Salary Up to 2.4% Cash back on local spend HK$4.17 = 1 Mile Miles Conversion (local spend)	Up to HK$1,900 RewardCash + Up to 4.8% Daily Spending Rebate	1 Aug 2026 till 31 Aug 2026
Standard Chartered Simply Cash Visa Card	HK$96,000 Min. Annual Salary 1.5% Cash back on local Currency 2% Cash back on foreign Currency	Apply for the Standard Chartered - Simply Cash Visa Card via MoneySmart and, upon approval, receive one of the following welcome gifts: • Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color) • SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color) • PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288, random color) • HK$800 Apple Store Gift Card / HKTVmall e-Vouchers / ParknShop e-Vouchers	1 Aug 2026 till 31 Aug 2026
HSBC Visa Signature Card	HK$240,000.00 Min. Annual Salary Up to 3.6% RewardCash Rebate HK$2.78 = 1 Mile Miles Conversion (local spend)	Earn Up to $2,000 RewardCash + Lucky Draw Entry	1 Aug 2026 till 31 Aug 2026
WeWa Visa Signature Card	Up to 10% Overseas Spending Rebate First 2 year annual fee waiver Annual Fee Up to 4% Specific Fun Category	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
American Express Explorer® Credit Card	HK$3 = 1 Mile Local Spending HK$1.68 = 1 mile Travel & Foreign Currency Spend Up to 12 times per Calendar Year^ Complimentary Plaza Premium Lounge Access	New American Express Explorer Credit Card applicants via MoneySmart can earn up to 26,000 miles and HK$500 in statement credits by meeting spending requirements by 10 August 2026, including HK$50 for a HK$600 Octopus top-up. Terms apply.	1 Aug 2026 till 31 Dec 2026
EarnMORE UnionPay Diamond Card	HK$0.00 Min. Annual Salary 2% Cash back on overseas spend $200 MoneySmart exclusive rewards	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
DBS Eminent Visa Platinum Card	HK$150,000.00 Min. Annual Salary 5％ Rebate on 4 designated categories of spendings 3% Cash back on local spend	Get 5,000 SmartPoints without Spending!	31 Jul 2026 till 31 Aug 2026
HSBC Pulse UnionPay Dual Currency Diamond Credit Card	HK$120,000 Min. Annual Salary Up to 4.4% RewardCash Rebate HK$4.17 = 1 Mile Miles Conversion (local spend)	Up to $2,000 RewardCash + 4.4% Mainland China & Macau Rebate	1 Aug 2026 till 31 Aug 2026
HSBC Visa Gold Card	HK$60,000 Min. Annual Salary up to 2.4% RewardCash Rebate HK$4.17 = 1 Mile Miles Conversion (local spend)	Earn Up to $800 RewardCash	1 Mar 2026 till 28 Feb 2027
Hang Seng enJoy Card	Perpetual annual fee waiver Annual fee 2% Cash back on local spend Up to 140,000 yuu Points Welcome Offer	Submit your Hang Seng enJoy application through MoneySmart and, after accumulating HK$100 in eligible retail purchases within 30 days of card issuance, you may pick one of the following rewards. The offer is valid through 31 August 2026. New Customers can choose from the rewards below: • 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 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	1 Aug 2026 till 31 Aug 2026
Citi Rewards UnionPay Card	HK$120,000 Minimum Income Requirements 3% Points Rebate on shopping & entertainment transactions As low as $1.8 = 1 Mile Miles Conversion (Shopping and entertainment spending)	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
Citi Rewards MasterCard	HK$120,000 Minimum Income Requirements 3% Points Rebate on Shopping & Entertainment Transactions As low as $1.8 = 1 Mile Miles Conversion (Shopping and entertainment spending)	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
DBS COMPASS VISA	HK$100,000.00 Min. Annual Salary 1％ Cash back on designated local spend HK$10 = 1 Mile Miles Conversion (local spend)	Apply for the DBS Compass Visa via MoneySmart and receive 2,000 SmartPoints plus HK$200 e-Vouchers redeemable at 20+ brands (including Apple, PARKnSHOP, HKTVmall and more). No spending required. Offer valid until 31 August 2026.	1 Aug 2026 till 31 Aug 2026
Standard Chartered Cathay Mastercard - Priority Banking	HK$3=1 mile Miles Conversion(Eligible spending on overseas category) HK$4 = 1 mile Miles Conversion (Eligible spending on dining and hotels category) 100,000 miles Bank Limited Time Welcome Offer	From now until 31 August 2026, new Standard Chartered Cathay Mastercard® applicants through MoneySmart qualify for three benefits upon card approval: 1) MoneySmart Exclusive Gift — No spend required; choose one gift upon card approval: • New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color) • LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100) • SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color) • HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / PARKnSHOP e-Vouchers 2) SCB Welcome Miles — Spend the designated amount within the first 2 months of card issuance and earn up to 120,000 Asia Miles. 3) Surprise Blind Box Lucky Draw — Valid till 9.20 — No registration needed; automatic entry on card approval. Win a minimum of 2,000 Asia Miles up to 1,000,000 Asia Miles — enough to redeem 4 x Business Class round-trip tickets to Europe and 4 x Business Class round-trip tickets to Japan. Plus, Apple Store gift cards or 10,000+ prizes — everyone wins a reward.	1 Aug 2026 till 31 Aug 2026
EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)	HK$0.00 Min. Annual Salary 2% Cash back on overseas spend 2% Cash back on local spend	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
Airwallex Borderless Card	Up to 10,000 Asia Miles Welcome offer N/A Annual Principal Fee 60+ Global Accounts Currency Account	From now until 31 August 2026, open a corporate Airwallex Borderless Card or Airwallex Go Global Business Traveller Card via MoneySmart for your business, and use it to pay for any company expense for the first time within 30 days to receive an additional HK$2,000 Apple Store Gift Card. Airwallex Global Accounts support receiving funds in 20+ currencies from more than 70 countries and regions, and can remit payouts to bank accounts in 200+ countries/regions. Earn unlimited 1% cash rebate on overseas and local spending.	1 Aug 2026 till 31 Aug 2026
DBS LIVE FRESH	HK$150,000.00 Min. Annual Salary 1% Cash back on Online Overseas spend 5% Cash Back for Designated Online Transaction	Apply for the DBS Live Fresh Card via MoneySmart and receive an additional 2,000 SmartPoints plus HK$200 e-Vouchers redeemable at 20+ brands (including Apple, PARKnSHOP, HKTVmall and more), with no spending requirement. Available through 31 August 2026.	1 Aug 2026 till 31 Aug 2026
Standard Chartered Cathay Mastercard - Priority Private	HK$2=1 mile Miles Conversion(Eligible spending on overseas category) HK$4 = 1 mile Miles Conversion (Eligible spending on dining and hotels category) 120,000 miles Bank Limited Time Welcome Offer	From now until 31 August 2026, new Standard Chartered Cathay Mastercard® applicants through MoneySmart qualify for three benefits upon card approval: 1) MoneySmart Exclusive Gift — No spend required; choose one gift upon card approval: • New Smile LED 5th Gen Nano Teeth Whitening Set + 3 Whitening Pens (Value: HK$3,980, random color) • LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100) • SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color) • HK$900 Apple Store Gift Card / HKTVmall e-Vouchers / PARKnSHOP e-Vouchers 2) SCB Welcome Miles — Spend the designated amount within the first 2 months of card issuance and earn up to 120,000 Asia Miles. 3) Surprise Blind Box Lucky Draw — Valid till 9.20 — No registration needed; automatic entry on card approval. Win a minimum of 2,000 Asia Miles up to 1,000,000 Asia Miles — enough to redeem 4 x Business Class round-trip tickets to Europe and 4 x Business Class round-trip tickets to Japan. Plus, Apple Store gift cards or 10,000+ prizes — everyone wins a reward.	1 Aug 2026 till 31 Aug 2026
Airwallex Go Global Business Traveller Card	Unlimited 1% Cash Rebate on Overseas and Local Spendings 140＋ Supported Currencies Up to 10,000 Asia Miles Welcome offer	From now until 31 August 2026, open a corporate Airwallex Borderless Card or Airwallex Go Global Business Traveller Card via MoneySmart for your business, and use it to pay for any company expense for the first time within 30 days to receive an additional HK$2,000 Apple Store Gift Card. Airwallex Global Accounts support receiving funds in 20+ currencies from more than 70 countries and regions, and can remit payouts to bank accounts in 200+ countries/regions. Earn unlimited 1% cash rebate on overseas and local spending.	1 Aug 2026 till 31 Aug 2026
WeWa Visa Platinum Card (applicable to designated Full-time University /Tertiary Students)	Up to 4% Mobile Payment First 5 year annual fee waiver Annual Fee Up to 4% Specific Fun Category	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
HSBC Visa Gold Card for Students	6X RewardCash for spending in Rewards of Your Choice category Up to 2.4% RewardCash Rebate $300 RewardCash	Earn Up to $500 RewardCash	1 Aug 2025 till 28 Feb 2027
HSBC UnionPay Dual Currency Credit Card	HK$60,000.00 Min. Annual Salary 2.4% RewardCash Rebate HK$4.17 = 1 Mile Miles Conversion (local spend)	Earn Up to $800 RewardCash	1 Mar 2026 till 28 Feb 2027
WeWa UnionPay Diamond Card	HK$0.00 Min. Annual Salary First 2 year annual fee waiver Annual Fee 4% Cash rebate on travel spending and designated spending categories	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
WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)	HK$0.00 Min. Annual Salary First 5 year annual fee waiver Annual Fee 4% Cash rebate on travel spending and designated spending categories	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

Citibank Credit Card

From now until 31 July, successfully apply for Citi PremierMiles Card to enjoy up to 9,000 Miles (108,000 Points), Afternoon tea set for two persons at Mandarin Oriental, HK$800 Wellcome Cash Coupon or HK$700 Sogo Gift Certificate. For successful applicants of Citi Prestige Card, get 20,000 miles upon paying the first year annual fee.

DBS Credit Card

Earn up to 50,000 miles or Rollink Flex Suitcase + 2,000 miles for successful application of DBS Black World Mastercard. DBS COMPASS VISA applicants can enjoy up to HK$400 InstaRedeem amount, LE MAURICE Suitcase or 6 MCL movie ticket vouchers.

Standard Chartered Credit Card

Get up to 40,000 welcome Asia Miles for Standard Chartered Asia Miles Mastercard applications, and up to HK$1,100 cash rebate as a welcome offer for new Standard Chartered Simply Cash Visa Card new cardholders.

American Express Credit Card

American Express Cathay Pacific Elite Credit Card applicants can earn welcome offers up to 76,000 Asia Miles. For successful applicants of American Express Platinum Credit Card, enjoy welcome offers worth up to HK$2,960.

Hang Seng Credit Card

New credit card customers who successfully apply for a Hang Seng MPOWER Card can get up to 8 movie tickets from MCL Cinemas or up to $700 Cash Dollars as a welcome offer.

Wewa Credit Card & EarnMore Unionpay Credit Card Offers

Apply for Wewa UnionPay Credit Card for Jabra Elite Active 65t Wireless Headphones, USA meresoy Massage Gun, HK$500 Cash Rebate or Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome gift.

Besides, upon successful application for EarnMore Credit Card on or before 31 Dec, the new customer can enjoy yHK$670 cash rebate, OTO Back Snuggle, Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program as a welcome gift.

HSBC Credit Card Promotions

Travel promotion

Up to 10% wallet credit on designated hotel bookings at Booking.com

Up to 7% instant discount on selected bookings at Agoda

Dining Promotion

15% off Chinese and Western Cuisine at Avanti Pizzeria, Regal Riverside Hotel

Citibank Credit Card Promotion

Travel promotion

Up to 8% off on designated hotel bookings at Expedia

Up to 8% off on designated hotel bookings at Expedia Up to 16 cashback on Booking.com

7% off selected bookings at Agoda

Dining Promotion

Enjoy HK$200 cash coupon at Lei Garden when spending HK$2,000 or more

Dining promotion

Complimentary drink upgrade at McCafe

15% off on food and beverages at selected hotel including Conrad Hong Kong, Crowne Plaza and more

DBS Credit Card Promotion

Travel promotion

5% off on travel products at KLOOK

Up to 12% off hotel booking at Agoda

Shopping promotion

Up to 10% off Häagen-Dazs™ Ice Cream Fondue

Frequently Asked Questions

Can I get my credit card welcome offer right after my application?: It depends. After applying for credit cards, you need to fulfill the spending requirements to get welcome offers. Take HSBC Red Card as an example, you’ll need to spend $6,000+ in the first 60 days of card issuance, and use RewardCash to pay for credit card statement or transaction via the “Pay with RC” function in Reward+ to get $1,000 RewardCash welcome offer. Credit cards set limits to not only spending amounts but also spending categories. For example, HSBC credit cards don’t count online bill payments and e-wallet transactions as eligible spending. Make sure you’ve read the Terms and Conditions before swiping your credit cards! But there are some credit cards that give you welcome gifts once your application is approved. Standard Chartered Simply Cash Visa Card gives you 25% cashback for local spending in the first 2 months and up to $1,000 cashback without spending requirements.
Are welcome offers for new customers only?: Generally, yes. Most of the credit cards only prepare welcome offers for new customers, which means that you haven’t held or cancelled credit cards of your designated bank in the past 6-12 months. But some credit cards still give welcome offers to existing customers, but the value of the offer is lower than the new customers. HSBC Visa Signature Card is a good example: they offer up to $800 welcome gifts to new customers, but $400 welcome gifts for existing customers.
Is there anything I need to know while applying for welcome offer credit cards?: After getting your welcome offer, most of the banks reserve the right to charge you a handling fee and take back your welcome offer without any notice if you cancel their credit cards in 12 months of card issuance.
When will I receive my welcome offer?: If you fulfil the spending requirement, like BOC credit cards, they’ll credit the welcome offer directly to your credit card account in 4 to 6 weeks. But make sure your account is working, valid and under a good credit. For other banks, they have their own policies so it’s better for you to check the Terms and Conditions.
Do I need to consider anything else apart from welcome offers?: Yes! Welcome offers are attractive, but it’s still a one-time reward. The basic rebate rate after the introductory period should be one of your considerations. Besides that, you should find out your spending pattern. Say, dining is your main expenses, then you should pick a credit card with the most dining offers. Plus, get to know why you’re applying for a credit card, then pinpoint your expenses to get the most offers like cash back and air miles.
Can I cancel my credit card after receiving the welcome offers?: It varies from card to card. In general, if a cardholder cancels the card in less than 12 months from the date the card is issued, a fee which is equivalent to the value of the welcome offers/ administration fee will be charged.

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.

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