Best Credit Card Welcome Offers Promotion in Hong Kong
Find the best deals from credit cards with amazing welcome gifts in Hong Kong. Enjoy all kinds of credit card offers, from travel, dining to shopping!
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We found 25 credit cards for you!
⏰ 7 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 26 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
Valid till 26 Aug 2026
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【🌟August Exclusive: Apply to Earn HK$1,500 Cash Vouchers】
From now until 26 August 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・[🔥Newly launched!] staub Braiser 28cm/3.7L (Value: HK$3,999, random color)
・Medicube Age-R Ultra Tune 40.68 Facial Beauty Device (Value: HK$3,600, random color)
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color)
・AirPods Pro 3 (Value: HK$1,849, random color)
・HK$1,500 Apple Store Gift Card / ParknShop e-Vouchers / Trip.come-Vouchers
+ Trip.com up to 8% Hotel Bookings Promo Code + Trip.com up to HK$200 Flights Promo Code (upon claim submission, terms & conditions applied)
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Valid till 26 Aug 2026
【☀️Catch the Final Wave of Summer Rewards】Spend HK$100 to Unlock HK$1,000 Vouchers or Travel Rewards Worth Up to HK$3,700!
Make the most of the final weeks of summer. From now until 31 August 2026, new and existing credit card customers who successfully apply for Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate eligible retail spending of HK$100 within 30 days after card issuance can choose 1 exclusive reward — perfect for online travel bookings, shopping for travel gear, or upgrading your airport experience.
🎁 New Customers can enjoy one of the rewards below:
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers or
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700, random color) or
・4 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total Value: HK$2,600) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
*Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. HKG bonus: choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
✨ Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)
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Valid till 31 Aug 2026
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✨ Limited-Time Welcome Offer【New American Express Platinum Cardmembers Can Earn Up to 1,320,000 Membership Rewards points + HK$50 Rebate!】
From now until 31 August 2026, new Cardmembers^ who successfully apply for The Platinum Card® from American Express via MoneySmart and spend HK$60,000 in eligible purchases (local or foreign currency) within the first 6 months after card approval can earn 660,000 Membership Rewards points!
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Earn an extra HK$50 statement credit upon a single Octopus top-up transaction of HK$600 on iPhone, Apple Watch or Android device in the first 3 months.
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In addition, new Cardmembers who make any eligible purchase during months 15 to 17 after card approval can earn an extra 660,000 Membership Rewards points.
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Terms and conditions apply.
Valid till 31 Aug 2026
⚡【7-Day Flash Offer ✨ Upgraded Gifts or Up to HK$2,200 Cash Voucher! Rewards Worth Up to HK$4,600 +Trip.com Promo Codes! 🎉】
From 25 August to 31 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:
✈️ 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
🎁 staub Braiser 28cm/3.7L (Value: HK$3,999, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490, random color) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 31 Aug 2026
⚡【7-Day Flash Offer ✨ Upgraded Gifts or Up to HK$2,200 Cash Voucher! Rewards Worth Up to HK$4,600 +Trip.com Promo Codes! 🎉】
From 25 August to 31 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:
✈️ 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
🎁 staub Braiser 28cm/3.7L (Value: HK$3,999, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490, random color) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 31 Aug 2026
【😍 August Special: Spend HK$100, Get HK$600+ Rewards or Travel Essentials! 🏝️】
From now until 31 August 2026, customers who successfully apply for Hang Seng Travel+ Visa Signature Card via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can 🌟choose 1 from the following gifts :
🎁 New Customers can enjoy one of the rewards below:
・2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300) or
・BRUNO Worldwide Portable Clothes Dryer BAK817 + BRUNO Multi Travel Pot (110V/220V) BAK810 (Value: HK$796, random color) or
・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 enjoy one of the rewards below:
・HK$300 Apple Store Gift Card / HKTVmall e-Vouchers or
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
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Valid till 31 Aug 2026
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【Online Shopping Must-Have｜Earn Up to 4% RewardCash + Welcome Offer Up to HK$650】
Love shopping online? Apply for the HSBC Red Credit Card via MoneySmart with promo code "HSBCRED” during the promotion period and accumulate HK$12,000 in eligible transactions within the first 60 calendar days after card issuance to enjoy HK$350 RewardCash.
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Together with the basic welcome offer, new credit card customers can earn a total of up to HK$650 RewardCash while enjoying up to 4% RewardCash rebate on online spending!
Valid till 30 Nov 2026
⏰ 7 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 26 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
Valid till 26 Aug 2026
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【⚡️Unleash Your Wanderlust: 5,000 SmartPoints for Rewards of Your Choice!】
From now until 31 August 2026, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy 5,000 SmartPoints!
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With 5,000 SmartPoints can fully redeem HK$500 e-Vouchers or products (over 20+ brands, including PARKnSHOP, HKTVmall , Apple, Samsung and more) - no spending required! Click here to explore limitless possibilities (T&C applied)! Including bank welcome offer, you can enjoy up to HK$500 rewards, up to 32,000 miles or DAYCROWN - 28" Front-Opening suitcase (fulfilled by DBS)!
Valid till 31 Aug 2026
【Unlimited CashBack all year-round - Get welcome offer of up to HK$3,999 Rewards!🎁】
From now until 26 August 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, will get one of the following gifts:
・[🔥Newly launched!] staub Braiser 28cm/3.7L (Value: HK$3,999, random color)
・Medicube Age-R Ultra Tune 40.68 Facial Beauty Device (Value: HK$3,600, random color)
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color)
・AirPods Pro 3 (Value: HK$1,849, random color)
・HK$1,500 Apple Store Gift Card / ParknShop e-Vouchers / Trip.come-Vouchers
+ Trip.com up to 8% Hotel Bookings Promo Code + Trip.com up to HK$200 Flights Promo Code (upon claim submission, terms & conditions applied)
Valid till 26 Aug 2026
⏰ 7 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 26 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
Valid till 26 Aug 2026
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✨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 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 31 Aug 2026
From now until 31 August 2026, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart, can enjoy an extra 5,000 SmartPoints and free to redeem HK$500 e-Vouchers or products (over 20+ brands, including PARKnSHOP, HKTVmall, Apple , Samsung and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
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 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 31 Aug 2026
From now until 31 August 2026, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart, can enjoy an extra 5,000 SmartPoints and free to redeem HK$500 e-Vouchers or products (over 20+ brands, including PARKnSHOP, HKTVmall, Apple , Samsung and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
Valid till 31 Aug 2026
⚡【7-Day Flash Offer ✨ Upgraded Gifts or Up to HK$2,200 Cash Voucher! Rewards Worth Up to HK$4,600 +Trip.com Promo Codes! 🎉】
From 25 August to 31 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:
✈️ 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
🎁 staub Braiser 28cm/3.7L (Value: HK$3,999, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490, random color) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 31 Aug 2026
⚡【7-Day Flash Offer ✨ Upgraded Gifts or Up to HK$2,200 Cash Voucher! Rewards Worth Up to HK$4,600 +Trip.com Promo Codes! 🎉】
From 25 August to 31 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:
✈️ 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
🎁 staub Braiser 28cm/3.7L (Value: HK$3,999, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490, random color) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 31 Aug 2026
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【📣 Welcome Offer: Valued up to HK$1,800 upon card approval!】
Apply via MoneySmart by 31 August 2026 and spend up to HK$10,000 in first 3 months can earn HK$1,000 Statement Credit!
⭐️ Also enjoy HK$1=5 points within the first 3 months, can earn up to 240,000 points, equal to HK$800 statement credit! Don't miss out on the chance to earn rewards up to HK$1,800!
Valid till 31 Aug 2026
From now until 31 August 2026, customers who successfully apply for DBS Compass Visa via MoneySmart, can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 e-Vouchers or products (over 20+ brands, including PARKnSHOP, HKTVmall, Apple, Samsung and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
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, 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.
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?
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 |
|---|---|---|---|
| Standard Chartered Cathay Mastercard |
| HK$1,800 Vouchers / Rewards Up to HK$5,488 | 22 Aug 2026 till 26 Aug 2026 |
| Mox Credit Card (CashBack) |
| New customers who open an account and apply for a Mox credit card using the MoneySmart referral code MOXFLASHMS1 can enjoy:
1. HK$200 cash via FPS, plus a Trip.com 8% hotel bookings promo code and a HK$100 flights promo code or a HK$100 Buy&Ship New Member Exclusive Consolidated Shipping Voucher (Fulfilled by MoneySmart)
2. Spend HK$2,000 or more within 30 days of card approval to receive one of the following rewards: • DELSEY Shadow 5.0 75 cm expandable trolley with four double wheels — HK$3,890 SRP • Marshall Emberton II Portable Bluetooth Speaker — Black & Brass — HK$1,499 SRP • Apple AirPods 4 — HK$1,099 SRP • Wellcome HK$1,000 e-Shopping vouchers 3. Deposit HK$50,000 or more into your current account within 30 days of account opening, maintain the balance for 60 days or more, and have your Mox card approved to enjoy an additional HK$500 cash rebate (Fulfilled by Mox) Fastest-in-Town Welcome Gift Redemption: After meeting the spending requirement, you will receive a gift redemption email immediately, and can redeem your gift with same-day free delivery Subject to MOXFLASHMS1 invitation code terms and conditions | 26 Aug 2026 till 31 Aug 2026 |
| Standard Chartered Smart Card |
| HK$1,500 Vouchers or Up to HK$3,999 Rewards | 22 Aug 2026 till 26 Aug 2026 |
| Hang Seng MMPOWER World Mastercard |
| Take part in the season’s final rewards wave: apply for the Hang Seng MMPOWER World Mastercard through MoneySmart and, after card issuance, spend HK$100 within 30 days to unlock one reward — options include HK$1,000 in vouchers or travel rewards valued up to HK$3,700. This promotion is valid from now until 31 August 2026. New customers may choose from the following rewards: • HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers Note: Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. In Hong Kong, you can choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant. Existing customers may choose from: • HK$500 Apple Store Gift Card / HKTVmall e-Vouchers | 22 Aug 2026 till 31 Aug 2026 |
| The Platinum Card |
| Up to 1,320,000 MR Points + HK$50 Rebate | 30 Jul 2026 till 31 Aug 2026 |
| Citi PremierMiles Card |
| From 25 August to 31 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 for one of the following rewards: • 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) • PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) • Staub Braiser 28cm/3.7L (Value: HK$3,999, random color) • Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) • Dyson Supersonic Travel Hair Dryer HD19 (Value: HK$2,490, random color) • HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers Additionally, Trip.com offers 8% off hotel bookings with a promo code and HK$100 flights promo code (claim submission). | 25 Aug 2026 till 31 Aug 2026 |
| Citi Cash Back Card |
| From 25 August to 31 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 for one of the following rewards: • 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) • PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) • Staub Braiser 28cm/3.7L (Value: HK$3,999, random color) • Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) • Dyson Supersonic Travel Hair Dryer HD19 (Value: HK$2,490, random color) • HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers Additionally, Trip.com offers 8% off hotel bookings with a promo code and HK$100 flights promo code (claim submission). | 25 Aug 2026 till 31 Aug 2026 |
| HSBC EveryMile Credit Card |
| Trip.com Promo Codes + HK$650 Reward | 4 Aug 2026 till 31 Aug 2026 |
| Hang Seng Travel+ Visa Signature Card |
| Spend HK$100 within 30 days of card issuance to receive one of the gifts below:
New customers: choose one reward from the options
• Two Plaza Premium Lounge APAC 3-hr passes (Total value: HK$1,300) or
• BRUNO Portable Clothes Dryer BAK817 + BRUNO Travel Pot (110V/220V) BAK810 (Value: HK$796, random color) or
• HK$600 Apple Store Gift Card / HKTVmall e‑Vouchers or
• Dyson HushJet Mini Cool fan (Value: HK$890, random color) (Limited to 50 units)
Existing customers: also eligible to choose one reward from the options below • HK$300 Apple Store Gift Card / HKTVmall e‑Vouchers or • Plaza Premium Lounge APAC 3-hr Pass (Value: HK$650) Promotion period: through 31 August 2026. | 22 Aug 2026 till 31 Aug 2026 |
| HSBC Red Credit Card |
| Apply for the HSBC Red Credit Card via MoneySmart with promo code "HSBCRED" to earn up to HK$650 RewardCash, including HK$350 for spending HK$12,000 within 60 days, plus up to 4% RewardCash on online purchases. | 24 Aug 2026 till 30 Nov 2026 |
| American Express Explorer® Credit Card |
| Up to 26,000 Miles + HK$550 Rebate | 1 Aug 2026 till 31 Dec 2026 |
| Standard Chartered Cathay Mastercard - Priority Banking |
| HK$1,800 Vouchers / Rewards Up to HK$5,488 | 22 Aug 2026 till 26 Aug 2026 |
| HSBC easy Credit Card |
| Trip.com Promo Codes + Up to HK$650 Rewards | 4 Aug 2026 till 31 Aug 2026 |
| DBS Black World Mastercard® |
| Get 5,000 SmartPoints | 31 Jul 2026 till 31 Aug 2026 |
| Standard Chartered Simply Cash Visa Card |
| Unlimited Cashback + HK$1,500 Vouchers or Rewards Worth Up to HK$3,999 | 22 Aug 2026 till 26 Aug 2026 |
| Standard Chartered Cathay Mastercard - Priority Private |
| HK$1,800 Vouchers / Rewards Up to HK$5,488 | 22 Aug 2026 till 26 Aug 2026 |
| HSBC Visa Signature Card |
| Get Trip.com Promo Codes + Up to HK$650 Rewards | 4 Aug 2026 till 31 Aug 2026 |
| WeWa Visa Signature Card |
| HK$300 Vouchers / Gifts Up to HK$1,700 | 1 Aug 2026 till 31 Aug 2026 |
| DBS Eminent Visa Signature Card |
| Get 5,000 SmartPoints without Spending | 31 Jul 2026 till 31 Aug 2026 |
| EarnMORE UnionPay Diamond Card |
| HK$1,540 Cash Rewards / Gifts Worth Up to HK$3,090 | 1 Aug 2026 till 31 Aug 2026 |
| DBS Eminent Visa Platinum Card |
| Get 5,000 SmartPoints without Spending | 31 Jul 2026 till 31 Aug 2026 |
| HSBC Pulse UnionPay Dual Currency Diamond Credit Card |
| Get Trip.com Promo Codes + Up to HK$650 Rewards | 4 Aug 2026 till 31 Aug 2026 |
| HSBC Visa Gold Card |
| Trip.com Promo Codes + Up to HK$650 Rewards | 4 Aug 2026 till 31 Aug 2026 |
| Hang Seng enJoy Card |
| Until 31 August 2026, applicants who open a Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance may select one reward from the options below: New customers may select one of the following rewards: ・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or・OSIM uVizion Air 2 (Value: HK$1,680) in a random color or ・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298) in a random color or ・Dyson HushJet™ Mini Cool Fan (Value: HK$890) in a random color (Limited to 50 quotas) or ・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons Existing Customers can also select 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 | 22 Aug 2026 till 31 Aug 2026 |
| Mox Credit Card (Asia Miles) |
| New customers who open a Mox account and apply for a Mox credit card using the MoneySmart referral code MOXFLASHMS1 are eligible for:
HK$200 cash via FPS, plus Trip.com promotions: 8% Hotel Bookings promo code and HK$100 Flights promo code or HK$100 Buy & Ship New Member Exclusive Consolidated Shipping Voucher (Fulfilled by MoneySmart). Spend HK$2,000 or more within 30 days of card approval to receive one of the following rewards: • DELSEY SHADOW 5.0 75 CM 4 Double Wheels Expandable Trolley — Suggested Retail Price: HK$3,890 • Marshall Emberton II Portable Bluetooth Speaker — Black & Brass — Suggested Retail Price: HK$1,499 • Apple AirPods 4 — Suggested Retail Price: HK$1,099 • Wellcome HK$1,000 E-Shopping Vouchers. • Fastest-in-Town Welcome Gift Redemption: After meeting the spending requirement, you will receive a gift redemption email and can redeem your gift with same-day free delivery. Deposit HK$50,000 or more into your current account within 30 days of account opening, maintain the balance for 60 days or more, and have your Mox credit card approved to enjoy an additional HK$500 cash rebate. | 26 Aug 2026 till 31 Aug 2026 |
| Citi Rewards UnionPay Card |
| From 25 August to 31 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 for one of the following rewards: • 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) • PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) • Staub Braiser 28cm/3.7L (Value: HK$3,999, random color) • Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) • Dyson Supersonic Travel Hair Dryer HD19 (Value: HK$2,490, random color) • HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers Additionally, Trip.com offers 8% off hotel bookings with a promo code and HK$100 flights promo code (claim submission). | 25 Aug 2026 till 31 Aug 2026 |
| Citi Rewards MasterCard |
| From 25 August to 31 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 for one of the following rewards: • 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) • PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) • Staub Braiser 28cm/3.7L (Value: HK$3,999, random color) • Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) • Dyson Supersonic Travel Hair Dryer HD19 (Value: HK$2,490, random color) • HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers Additionally, Trip.com offers 8% off hotel bookings with a promo code and HK$100 flights promo code (claim submission). | 25 Aug 2026 till 31 Aug 2026 |
| American Express® Platinum Credit Card |
| Apply via MoneySmart by 31 August 2026 to earn up to HK$1,800, including HK$1,000 statement credit for spending HK$10,000 in the first 3 months and HK$800 credit from earning 240,000 points (HK$1=5 points) within the same period. | 1 Aug 2026 till 31 Aug 2026 |
| DBS COMPASS VISA |
| Get 2,000 SmartPoints without Spending | 1 Aug 2026 till 31 Aug 2026 |
| EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students) |
| HK$1,540 Cash Rewards / Gifts Worth Up to HK$3,090 | 1 Aug 2026 till 31 Aug 2026 |
| Airwallex Borderless Card |
| Get HK$2,000 Apple Store Gift Card | 1 Aug 2026 till 31 Aug 2026 |
| DBS LIVE FRESH |
| Get 2,000 SmartPoints without Spending! 🔥 | 1 Aug 2026 till 31 Aug 2026 |
| Airwallex Go Global Business Traveller Card |
| Get HK$2,000 Apple Store Gift Card | 1 Aug 2026 till 31 Aug 2026 |
| WeWa Visa Platinum Card (applicable to designated Full-time University /Tertiary Students) |
| HK$300 Vouchers / Gifts Up to HK$1,700 | 1 Aug 2026 till 31 Aug 2026 |
| HSBC Visa Gold Card for Students |
| Trip.com Promo Codes + Up to HK$650 Rewards | 4 Aug 2026 till 31 Aug 2026 |
| HSBC UnionPay Dual Currency Credit Card |
| Trip.com Promo Codes + Up to HK$650 Rewards | 4 Aug 2026 till 31 Aug 2026 |
| WeWa UnionPay Diamond Card |
| HK$300 Vouchers / Gifts Up to HK$1,700 | 1 Aug 2026 till 31 Aug 2026 |
| WeWa UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students) |
| HK$300 Vouchers / Gifts Up to HK$1,700 | 1 Aug 2026 till 31 Aug 2026 |
Best Credit Card Welcome Offer Promotions in Hong Kong
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.
Best Credit Card Promotions Hong Kong
HSBC Credit Card Promotions
Travel promotion
Dining Promotion
Citibank Credit Card Promotion
Travel promotion
Dining Promotion
Dining promotion
DBS Credit Card Promotion
Travel promotion
Shopping promotion
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 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.