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Best Credit Cards in Hong Kong

Compare Hong Kong credit cards to earn most air miles, cashback and welcome offers, apply through MoneySmart to get extra rewards! Read More
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Min. Annual Salary
HK$120,000
Cash back on local spend (by contactless transactions)
2%
Miles Conversion (local spend)
$3 = 1 Mile
Limited Time Offer! Successful application through MoneySmart can get Nintendo Switch Lite(ValueHK$1,490) or HK$1,100 Apple Gift Card!
Valid until 15 Apr 2021 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash back on local spend
4%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Nespresso Essenza Mini coffee machine or Nintendo Switch Software Ring Fit Adventure or Nikko camping tent with sleeping bag package or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Valid until 31 Aug 2021 - See more details below
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恒生銀行 logo

Hang Seng enJoy Card

Min. Annual Salary
HK$150,000
Cash back on local spend
1％
Miles Conversion (local spend)
N/A
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DBS 星展銀行 logo
MoneySmart Exclusive

DBS LIVE FRESH

Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
Limited Time Offer! Apply DBS Credit Card now to get HK$600 Apple Gift Card or Supermarket Vouchers 
Valid until 18 Apr 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary
HK$120,000
Cash back on local spend
2%
Cash back on overseas spend
2%
Limited Time Offer! Successful application through MoneySmart can get Nintendo Switch Lite(ValueHK$1,490) or HK$1,100 Apple Gift Card!
Valid until 15 Apr 2021 - See more details below
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SCB 渣打銀行 logo
MoneySmart Exclusive
Unlimited cashback

Standard Chartered Smart Card

Min. Annual Salary
HK$96,000
Cash back on local spend
5%
Miles Conversion (local spend)
N/A
Limited Time Offer! Apply now to get extra HK$350 Supermarket Voucher on top of welcome offer of up to HK$1,600 CashBack.
Valid until 30 Apr 2021 - See more details below
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SCB 渣打銀行 logo
MoneySmart Exclusive
As low as HK$0.2=1 Asia Miles for welcome offer

Standard Chartered Asia Miles Mastercard

Min. Annual Salary
HK$96,000
Cash back on local spend
N/A
Miles Conversion (dining, online and overseas transactions)
HK$4 = 1 Mile
Limited Time Offer! Apply now to get extra HK$350 Supermarket Voucher on top of welcome offer of up to 40,000 Asia Miles (As low as HK$0.2 = 1 Asia Mile)
Valid until 30 Apr 2021 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback

Blue Cash® Credit Card from American Express

Min. Annual Salary
HK$150,000
Cash back on local spend
1.2%
Cash back on overseas spend
1.2%
HK$300 Supermarket Voucher upon Card Approval , A total of welcome offer up to HK$1,102
Valid until 30 Apr 2021 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from Octopus AAVS

EarnMORE UnionPay Card

Min. Annual Salary
HK$0
Cash back on local spend
2%
Miles Conversion (local spend)
N/A
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate or DYSON V7 Fluffy+ Wireless Vacuum Cleaner or TEFAL Healthy Air Fryer or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. 
Valid until 31 Aug 2021 - See more details below
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恒生銀行 logo
Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary
HK$150,000
Cash back on local spend
5%
Cash back on overseas spend
5%
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AE 美國運通 logo
Bank Promo
Complimentary Plaza Premium Lounge Access

American Express Explorer™ Credit Card

Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Miles Conversion (selected online spending)
$3 = 1 Mile
Bank Promo:
Up to HK$4,200 Welcome offer! Earn HK$300 city'super cash voucher upon successful application and first spending
Valid until 30 Apr 2021 - See more details below
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DBS 星展銀行 logo
MoneySmart Exclusive
8% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary
HK$100,000
Cash back on local spend
1％
Miles Conversion (local spend)
HK$10 = 1 Mile
Limited Time Offer! Apply DBS Credit Card now to get HK$600 Apple Gift Card or Supermarket Vouchers 
Valid until 18 Apr 2021 - See more details below
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DBS 星展銀行 logo
MoneySmart Exclusive
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$4 = 1 mile
Limited Time Offer! Apply DBS Credit Card now to get HK$600 Apple Gift Card or Supermarket Vouchers 
Valid until 18 Apr 2021 - See more details below
Apply Now
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BEA 東亞銀行 logo

BEA World Mastercard

Min. Annual Salary
HK$240,000
Cash back on Local Dining
1.6%
Miles Conversion (local spend)
HK$5 = 1 Mile
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SCB 渣打銀行 logo
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Cash back on local Currency
1.5%
Miles Conversion (local spend)
N/A
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AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Cash back on local spend
1％
Miles Conversion (local spend)
$5 = 1 Mile
HK$800 Supermarket coupon upon Card Approval and welcome offers valued up to HK$2,960
Valid until 30 Apr 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary
HK$120,000
Miles Conversion (local spend)
HK$8 = 1 mile
Miles Conversion (overseas spend)
HK$3 = 1 mile
Limited Time Offer! Successful application through MoneySmart can get Nintendo Switch Lite(ValueHK$1,490) or HK$1,100 Apple Gift Card!
Valid until 15 Apr 2021 - See more details below
Apply Now
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大新銀行 logo
Bank Promo

Dah Sing ONE+ Credit Card

Min. Annual Salary
HK$150,000
Cash back on local spend
1%
Cash back on overseas spend
1%
Bank Promo:
Get Sony WF-H800 h.ear in 3 Truly Wireless Headphones and up to HKD 800 Cash Rebate
Customer must conduct retail and/ or overseas spending ("Eligible Spending") according to the designated condition ("Spending Condition"):
Valid until 30 Jun 2021 - See more details below
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中信銀行(國際) logo
MoneySmart Exclusive
Handling Fee Waiver for Overseas Spending

CNCBI GBA Dual Currency Credit Card

Min. Annual Salary
150000
Cash Back on RMB Spending(in first 6 months)
4%
Basic Cash Back
0.55%
Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！
Valid until 30 Jun 2021 - See more details below
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中信銀行(國際) logo
MoneySmart Exclusive
Up to 5% Cash Rebate on Online Spending

CNCBI Motion Credit Card

Min. Annual Salary
HK$150,000
Cash Back on Online Spending
5%
Basic Cash Back
0.55%
Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！
Valid until 30 Jun 2021 - See more details below
Apply Now
More Details

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. 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.

Best Credit Cards in Hong Kong 2021

Credit CardMinimum SalaryAnnual Fee
Standard Chartered Simply Cash Credit CardHK$96,000HK$1,800
Citi Rewards MasterCardHK$150,000HK$1,800
Standard Chartered Asia Miles MastercardHK$96,000HK$1,800
Hang Seng MPOWER CardHK$150,000HK$0
DBS Black World MastercardHK$240,000HK$2,000
American Express Cathay Pacific Elite Credit CardHK$300,000HK$1,800
American Express Platinum Credit CardHK$300,000HK$2,200
WeWa UnionPay CardHK$0HK$800
EarnMORE UnionPay CardHK$0HK$800
Citi Cash Back Visa CardHK$240,000HK$1,800
HSBC Red CardHK$120,000HK$0
DBS COMPASS VISAHK$100,000HK$1,800
Dah Sing ONE+ Credit CardHK$150,000HK$1,800

HK Credit Card Offers

HSBC Credit Cards

HSBC cards feature an attractive rewards program- the Red Hot Rewards. This program allows all cardholders to collect reward points for eligible transactions with the earning ration of HK$250 = 1 RewardCash, which can be converted into shopping coupons, air miles or cash rebates.

Standard Chartered Credit Cards

All Standard Chartered customers can earn rewards for eligible purchases. Rewards range from Asia Miles (with the Standard Chartered Asia Miles card), cashback, or 360° Rewards Points. Cardholders can exchange points for vouchers at merchants such as PARKnSHOP and IKEA. Other shopping categories include electronics, lifestyle products, and travel.

Citibank Credit Cards

Citi PremierMiles Card and Citi Rewards Card are the signature cards for Citibank. The former one is a good choice for collecting Asia Miles with the earning ratio of HK$8=1 mile with no mileage conversion fee while the latter one offers many travel perks including up to 12 times of free access to the airport lounge. Moreover, you can earn bonus reward points for spending in supermarkets and department stores. These points can be redeemed for cash coupons, miles, or used to offset purchases.

DBS Credit Cards

DBS Black Card is famous for collecting miles. All DBS personal credit card holders (except for COMPASS VISA cardholders) can earn DBS $1 for every HK$250 spending, which can be used for cash rebate or other rewards under the Reward Scheme. But changes to the type of reward scheme can only be made once a year.

Compare Credit Cards in Hong Kong 2021

Air MilesMiles Credit Cards

  1. Standard Chartered Asia Miles Mastercard: HK$4/ mile for dining and online spending
  2. Citi PremierMiles Card: HK$3/ mile for foreign currency transactions
  3. American Express Cathay Pacific Elite Credit Card: HK6/ 1.5 mile for foreign currency spending

CashbackCashback Credit Cards

  1. Standard Chartered Simply Cash Visa Card: 2% rebates on foreign currency transactions
  2. Citi Cash Back Visa Card: 2% rebates on global dining and hotel spending
  3. EarnMORE UnionPay Card: 2% rebates on all spending

Reward PointsReward Points Credit Cards

  1. Citi Rewards Card: 5x points all-year-round at supermarkets, department stores, and telecom providers
  2. HSBC Visa Signature Card: Up to 14x “RewardCash” for selected categories

Credit Card Promotions

Year-Round Offers

Enjoy year-round privileges at dining, shopping and travel hotspot throughout the year with your credit card. For movie lovers, get buy-1-get-1-free on Friday movie tickets at UA Cinemas with UnionPay Diamond Credit Cards. Visa Signature cardholders can enjoy up to HK$200 off upon designated spending amount at restaurants like Limewood and Sip Song.

Free Airport Lounge Access

Credit Cards often provide complimentary airport lounge access which some might even allow free companions entry. Take AE Platinum Card as an example, the principal card owner is entitled to a free membership in Priority pass, which allows access to over 1,000 lounges in the world. Citi Prestige Card cardholders can also get access to Mastercard Airport LoungeKey lounges worldwide.

Welcome Gift

Welcome offers come in various types including cash rebate, air miles, coupons or gifts. Popular gift options including suitcases and electronic devices. For example, DBS COMPASS VISA gives you a Le Maurice suitcase and WeWa UnionPay Card gives you a Jabra wireless headphone as a welcome gift.

How to Choose the Best Credit Card for You in 3 Steps

There isn’t one credit card that is better than the rest. The best card for you depends on your lifestyle and regular spending habits. Here’s 3 ways to decide which card is best for you.

Step 1Identify the type of card that best fits your lifestyle

Firstly, you want to make sure you are benefitting from the things that you spend the most money on. For example, if you spend the most on dining every month, it would make sense to get a card that maximizes the benefits you get from spending all that money eating out.

Step 2Understand your intentions

It’s important to think about how you intend on using your card benefits. Do you prefer immediate cash rebates? Or would you prefer to collect and redeem Asia miles? Understanding what types of benefits you’d like is a major factor in deciding which card would be better for you.

Step 3Consider the charges in the Terms and Conditions

Dig deeper into the card details to find one with the best overall value. For example, what is the expiry date for point redemptions? What are the international and domestic transfer fees? What is the required spending before you qualify for the sign-up bonus? These are a few of the important questions to think through as you shop for your new card.

5 Types of Hong Kong Credit Cards

Hong Kong credit cards are from 5 major card issuers. Visa and Mastercard take up most of the market, followed by American Express, UnionPay, and JCB. Visa and Mastercard are card issuers with a long history and are accepted everywhere in the world. On the other hand, American Express can be used in 130+ countries.

UnionPay credit cards are great for spending in China. Many Hong Kong banks have launched UnionPay dual-currency credit cards, such as HSBC UnionPay Dual Currency Credit Card and Standard Chartered UnionPay Dual Currency Platinum Credit Card to benefit frequent travelers to mainland China.

JCB credit cards are perfect for those who travel often to Japan because they offer many discounts on spending in Japan. Currently, only BEA and AEON have launched JCB credit cards in Hong Kong.

What Are the Easiest Credit Cards to Get Approved for?

Low Income Requirement Credit Cards

Many credit cards specify a low minimum income and some cards such as EarnMORE UnionPay Card and WeWa UnionPay Card do not specify a minimum income, which is ideal for housewives/ freelancers or tertiary school students to apply. Submitting your proof of asset increases your chances of getting approved, but you may still get approved without it.

No Annual Fee Credit Cards

A credit card with no annual fee helps cardholders save on card costs and maximise the rewards cardholders earn. Cardholders can enjoy no fees for life or within the promotional period depending on the type of cards you apply.

What Credit Card is Best?

There is no absolute for the best credit card, you should choose credit cards based on your spending habits. Pick credit cards with different spending categories based on your habits to earn the most rewards. For reward point credit cards, you can redeem cash rebates, air miles, coupons, and other gifts, giving you higher flexibility. Air miles credit cards are suitable for frequent flyers who would take the effort to research on collecting miles. Cashback credit cards are suitable for those who don’t spend a lot and want to get rebates directly.

Which is better: Visa or Mastercard credit card?

Visa and Mastercard credit cards are both globally accepted and offer different perks for members in different tiers, the most common types of Visa and Mastercard credit cards include Visa Platinum, Visa Signature, Visa Infinite, Titanium & Platinum Mastercard, World Mastercard and World Elite Mastercard.

Both Visa and Mastercard offer its own network benefits including travel, luxury hotel, dining and more when it comes to foreign spending, Mastercard often offers slightly better exchange rate, but for everyday card users, there is not much difference between Visa and Mastercard. It is suggested to find the right credit card by focusing on each card offer and perks of your choice, and be aware of annual fee, cash back, air miles or rewards that you are looking for.

How many credit cards can I apply for?

There is no absolute limit on the number of credit cards you can have. Having more than one credit card can allow you to get different credit card offers and benefits for different cards, you can also earn various rewards like air miles or cashback on your daily spending.

However, applying for too many credit cards at a time can hurt your credit score and the chances of credit card approval. Even though the damage on credit scores are only temporary, if you are hoping to get a mortgage or personal loan in the coming months, it is best to keep your credit report nice and clean.

Common Credit Card Fees

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Balance transfer fees

Charged when you move a balance from one card to another, usually 3-4% of the amount.

Late payment fees

If you don’t pay at least the minimum payment on your credit card payment due date, you may incur a late payment fee, usually $80-350 HKD.

Foreign transaction fees

If you love to travel, be cautious of this fee whenever a purchase is made outside of Hong Kong, as it is typically between 3-4% of the purchase amount.

Credit Card Recommendations 2021

Which cards suit me the most?

There's no best credit card that suits everyone. Let's pick a card based on your spending habits!

Travel Credit Cards

Types of Credit Cards

Frequently Asked Questions

Does Hong Kong take credit cards?

Yes. Visa, Mastercard, Union Pay and American Express credit cards are widely accepted in Hong Kong.

Can I use my credit card in Hong Kong?

Visa and Mastercard can be accepted worldwide but cardholders need to be aware that foreign transactions fee may apply. If cardholders wish to pay in his/ her preferred currency other than the local currency, Dynamic currency conversion (DCC) will be charged in addition to the foreign transaction fee.

Which credit card is best in Hong Kong?

There is no single card that suits everyone. Card applicant should pick credit cards with different spending categories to earn the most rewards. For reward point credit cards, cardholders can exchange for cash rebates, air miles, coupons, and other gifts flexibly. Air miles credit cards are suitable for frequent flyers who don’t mind the complicated redemption procedure. Cashback credit cards are suitable for low spenders to get rebates directly.

Do taxis in Hong Kong accept credit cards?

Generally speaking, no. Taxi fare needs to be settled by cash in Hong Kong.

Which credit card has the best foreign exchange rate?

It varies from providers to providers. It is best to check on the card issuer’s website for the exact foreign exchange rate on the day of the transaction. To make your money go further, you should also consider other factors like transaction fees, earning ratio, etc. when choosing which card to use overseas.

Which credit card has no foreign exchange fee?

Most UnionPay Cards do not charge a foreign exchange fee. But it doesn’t mean that it’s best to use UnionPay Cards for foreign transactions. To make your hard-earned money go further, other factors like transaction fees, earning ratio, etc. should also be taken into consideration.