Best Credit Cards in Hong Kong

Compare credit cards in Hong Kong to earn to most air miles, cashback and welcome offers. read more
We found 64 Credit Cards for you!
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Standard Chartered logo
MoneySmart Exclusive
Unlimited cashback
Min. Annual Salary
HK$96,000
Cash back on local spend
1.5%
Cash back on overseas spend
2%
Apply Now
MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 30 Jun 2020.
PrimeCredit logo
Welcome Offer
Get 4% cash rebate on designated categories
Min. Annual Salary
HK$0
Cash back on local spend
4%
Cash back on other spend
0.4%
Apply Now
Welcome Offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program Valid till 28 Feb 2021.
DBS logo
Welcome Offer
Redeem various mileage points without any fee
Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$4 = 1 mile
Apply Now
Welcome Offer: Earn up to 50,000 miles and first year annual fee waiver Valid till 31 Dec 2020.
Standard Chartered logo
MoneySmart Exclusive
As low as HK$0.2=1 Asia Miles for welcome offer
Min. Annual Salary
HK$96,000
Miles Conversion (local spend)
HK$4 = 1 Mile
Miles Conversion (overseas spend)
HK$4 = 1 Mile
Apply Now
MoneySmart Exclusive: HK$300 Supermarket Vouchers Valid till 30 Jun 2020.
PrimeCredit logo
MoneySmart Exclusive
Earn 2% cashback from Octopus AAVS
Min. Annual Salary
HK$0
Cash back on local spend
2%
Cash back on overseas spend
2%
Apply Now
MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.
Citibank logo
MoneySmart Exclusive
Free travel insurance and airport lounges access
Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
HK$8 = 1 mile
Miles Conversion (overseas spend)
HK$3 = 1 mile
Apply Now
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
American Express logo
Welcome Offer
Up to 50% savings at designated restaurants
Min. Annual Salary
HK$300,000
Cash back on local spend
1%
Miles Conversion (local spend)
$5 = 1 Mile
Apply Now
Welcome Offer: Enjoy welcome offers valued up to HK$2,960 Valid till 30 Jun 2020.
American Express logo
Welcome Offer
Complimentary Plaza Premium Lounge access
Min. Annual Salary
HK$300,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$6 = 1.5 Miles
Apply Now
Welcome Offer: Enjoy up to 76,000 Asia Miles and first year annual fee waiver Valid till 30 Jun 2020.
Citibank logo
MoneySmart Exclusive
High cash rebates for designated categories
Min. Annual Salary
HK$150,000
Cash back on local spend
3.2%
Miles Conversion (local spend)
$3 = 1 Mile
Apply Now
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Citibank logo
MoneySmart Exclusive
Earn cashback from digital wallets
Min. Annual Salary
HK$240,000
Cash back on local spend
2%
Cash back on overseas spend
2%
Apply Now
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
Hang Seng Bank logo
Bank Promo
Get 5% cash dollars rebate on designated spending
Min. Annual Salary
HK$150,000
Cash back on local spend
4.4%
Cash back on overseas spend
5%
Apply Now
Bank Promo: From 6 April to 7 June 2020, simply spend with your Hang Seng Credit Card at Marathon Sports, GigaSports and Catalog in Hong Kong, and Marathon Sports or Catalog online stores to enjoy the special offers Valid till 07 Jun 2020.
Dah Sing Bank logo
Welcome Offer
Get 20% discount at lookfantastic
Min. Annual Salary
HK$150,000
Cash back on local spend
1%
Cash back on overseas spend
1%
Apply Now
Welcome Offer: Get HK$800 cash rebate or Portable Air Purifier or up to HK$36,000 cash loan with no interest and handling fee with first 2-year annual fee waiver Valid till 30 Sep 2020.
American Express logo
MoneySmart Exclusive
Unlimited 1.2% Cashback
Min. Annual Salary
HK$150,000
Cash back on local spend
1.2%
Cash back on overseas spend
1.2%
Apply Now
MoneySmart Exclusive: HK$200 Cashback upon Card Approval, Successfully applied through MoneySmart: Extra HK$150 cash Coupon Valid till 30 Jun 2020.
Hang Seng Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
4%
Miles Conversion (local spend)
N/A
Apply Now
American Express logo
Welcome Offer
Free Marco Polo Club green tier membership
Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
HK$8 = 1 Mile
Miles Conversion (overseas spend)
HK$0.1875 = 1 Mile
Apply Now
Welcome Offer: Get up to 74,000 Asia Miles with first year annual fee waiver Valid till 30 Jun 2020.
Dah Sing Bank logo
Welcome Offer
As low as HK$1=1 Avios for welcome offer
Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
HK$6 = 1 Avios
Miles Conversion (overseas spend)
HK$0.25 = 1 Avios
Apply Now
Welcome Offer: up to 100,000 Avios/ Supplementary Card 1,000 Avios Offer Valid till 31 Dec 2020.
DBS logo
Welcome Offer
8% discount at Watsons and ParknShop
Min. Annual Salary
HK$100,000
Cash back on local spend
1%
Miles Conversion (local spend)
HK$10 = 1 Mile
Apply Now
Welcome Offer: Get up to HK$400 “InstaRedeem” Amount or Le Maurice® Suitcase or Dyson Airwrap Hair Styler at a discounted price or 6 MCL movie ticket vouchers Valid till 30 Jun 2020.
Dah Sing Bank logo
Enjoy HK$0.3=1 mile on ANA ticket purchase
Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
HK$8 = 1 Mile
Miles Conversion (overseas spend)
HK$8 = 1 Mile
Apply Now
American Express logo
MoneySmart Exclusive
Enjoy premium travel offers
Min. Annual Salary
HK$1,000,000
Cash back on local spend
N/A
Miles Conversion (local spend)
N/A
Apply Now
MoneySmart Exclusive: HK$1,500 Cova Gift Card! Valid till 30 Jun 2020.
Citibank logo
MoneySmart Exclusive
Up to 15% bus fare rebate
Min. Annual Salary
HK$150,000
Cash back on local spend
0.5%
Miles Conversion (local spend)
N/A
Apply Now
MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.
AEON Credit Service logo
Welcome Offer
Min. Annual Salary
HK$0
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$6 = 1 Mile
Read More
Welcome Offer: Get HK$500 cashback or interest-free installment plan Valid till 31 Dec 2020.
Citibank logo
Welcome Offer
Buy-1-Get-1-Free movie tickets
Min. Annual Salary
HK$60,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
N/A
Apply Now
Welcome Offer: Enjoy up to HK$800 cash coupon or hotel afternoon tea set for two persons Valid till 31 Dec 2020.
American Express logo
Welcome Offer
Up to 25% discount at I.T
Min. Annual Salary
HK$150,000
Cash back on local spend
1.2%
Cash back on overseas spend
1.2%
Apply Now
Welcome Offer: Get HK$500 I.T shopping vouchers with 2 complimentary movie tickets Valid till 30 Jun 2020.
Hang Seng Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
4%
Miles Conversion (local spend)
N/A
Apply Now
Hang Seng Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
4%
Miles Conversion (local spend)
N/A
Apply Now
Citibank logo
Welcome Offer
Complimentary 4th night free at any hotel
Min. Annual Salary
HK$600,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$4 = 1 Mile
Apply Now
Welcome Offer: Get welcome offer 20,000 miles (240,000 points) and exclusive travel offers Valid till 31 Dec 2020.
PrimeCredit logo
MoneySmart Exclusive
3 Complimentary airport lounges access per year
Min. Annual Salary
HK$0
Cash back on local spend
2%
Cash back on overseas spend
2%
Apply Now
MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.
PrimeCredit logo
Welcome Offer
Buy-1-Get-1-Free UA movie tickets on Friday
Min. Annual Salary
HK$0
Cash back on local spend
4%
Miles Conversion (local spend)
0.4%
Apply Now
Welcome Offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate Valid till 28 Feb 2021.
DBS logo
Min. Annual Salary
HK$240,000
Cash back on local spend
N/A
Miles Conversion (local spend)
$5 = 1 Mile
Read More
HSBC logo
Min. Annual Salary
HK$360,000
Cash back on local spend
3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile
Read More
DBS logo
Min. Annual Salary
HK$150,000
Cash back on local spend
3%
Miles Conversion (local spend)
HK$7.2 = 1 Mile
Read More
AEON Credit Service logo
Get membership discounts at AEON
Min. Annual Salary
HK$0
Cash back on local spend
N/A
Miles Conversion (local spend)
N/A
Read More
HSBC logo
Min. Annual Salary
HK$150,000
Cash back on local spend
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Read More
DBS logo
Min. Annual Salary
HK$360,000
Cash back on local spend
1%
Miles Conversion (local spend)
N/A
Read More
Hang Seng Bank logo
Bank Promo
Min. Annual Salary
HK$150,000
Cash back on local spend
1%
Cash back on overseas spend
2.4%
Read More
Bank Promo: From 6 April to 7 June 2020, simply spend with your Hang Seng Credit Card at Marathon Sports, GigaSports and Catalog in Hong Kong, and Marathon Sports or Catalog online stores to enjoy the special offers Valid till 07 Jun 2020.
HSBC logo
Min. Annual Salary
HK$120,000
Cash back on Online purchases
4%
Cash back on Supermarket purchases
2%
Read More
Dah Sing Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
N/A
Miles Conversion (local spend)
HK$8 = 1 mile
Read More
Dah Sing Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
N/A
Read More
China Construction Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
HK$15 = 1 mile
Read More
China Construction Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
N/A
Miles Conversion (local spend)
HK$3 = 1 mile
Read More
China Construction Bank logo
Min. Annual Salary
HK$150,000
Cash back on local spend
N/A
Miles Conversion (local spend)
HK$6 = 1 mile
Read More
Bank of China logo
Min. Annual Salary
HK$150,000
Cash back on local spend
N/A
Miles Conversion (local spend)
HK$6 = 1 mile
Read More
Bank of China logo
Min. Annual Salary
HK$300,000
Cash back on local spend
5%
Miles Conversion (local spend)
HK$8 = 1 mile
Read More
Bank of China logo
Min. Annual Salary
HK$200,000
Cash back on local spend
4%
Miles Conversion (local spend)
HK$8 = 1 mile
Read More
Bank of Communications logo
Min. Annual Salary
HK$150,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
HK$8 = 1 mile
Read More
Bank of Communications logo
Min. Annual Salary
HK$150,000
Cash back on local spend
N/A
Miles Conversion (local spend)
HK$8 = 1 mile
Read More
Bank of Communications logo
Min. Annual Salary
HK$150,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
HK$8 = 1 mile
Read More
ICBC logo
Min. Annual Salary
HK$250,000
Cash back on local spend
0.5%
Miles Conversion (local spend)
HK$6 = 1 mile
Read More
ICBC logo
Min. Annual Salary
HK$250,000
Cash back on local spend
1%
Miles Conversion (local spend)
N/A
Read More
ICBC logo
Min. Annual Salary
HK$250,000
Cash back on local spend
0.5%
Miles Conversion (local spend)
N/A
Read More
BEA logo
Min. Annual Salary
HK$240,000
Cash back on local spend
N/A
Miles Conversion (local spend)
HK$5 = 1 Mile
Read More
BEA logo
Min. Annual Salary
HK$40,000
Cash back on local spend
4.8%
Miles Conversion (local spend)
N/A
Read More
HSBC logo
Min. Annual Salary
HK$60,000
Cash back on local spend
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Read More
Standard Chartered logo
No expiry date for reward points
Min. Annual Salary
HK$150,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
HK$15 = 1 Mile
Apply Now
DBS logo
Min. Annual Salary
N/A
Cash back on local spend
1%
Miles Conversion (local spend)
HK$10 = 1 Mile
Read More
HSBC logo
Min. Annual Salary
HK$150,000
Cash back on local spend
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Read More
HSBC logo
Min. Annual Salary
HK$60,000
Cash back on local spend
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Read More
Bank of China logo
Min. Annual Salary
HK$150,000
Cash back on local spend
N/A
Miles Conversion (local spend)
N/A
Read More
American Express logo
Min. Annual Salary
N/A
Cash back on local spend
N/A
Miles Conversion (local spend)
$7 = 1 Mile
Read More
BEA logo
Min. Annual Salary
HK$40,000
Cash back on local spend
N/A
Miles Conversion (local spend)
N/A
Read More
American Express logo
Min. Annual Salary
HK$200,000
Cash back on local spend
0.5%
Miles Conversion (local spend)
$10 = 1 miles
Read More
Citic Bank International logo
Min. Annual Salary
HK$150,000
Cash back on local spend
2%
Miles Conversion (local spend)
N/A
Read More
Bank of Communications logo
Min. Annual Salary
HK$150,000
Cash back on local spend
0.8%
Miles Conversion (local spend)
$6 = 1 Mile
Read More
Bank of China logo
Min. Annual Salary
HK$150,000
Cash back on local spend
0.4%
Miles Conversion (local spend)
HK$15 = 1 mile
Read More

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 2020

Credit CardMinimum SalaryAnnual Fee
Standard Chartered Simply Cash Credit CardHK$96,000HK$1,800
Citi Rewards Visa CardHK$150,000HK$1,800
Hang Seng enJoy CardHK$150,000HK$0
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
BEA Flyer World MastercardHK$240,000HK$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
AEON Card JALHK$0HK$480
HSBC Red CardHK$120,000HK$0
DBS COMPASS VISAHK$100,000HK$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 2020

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 get 1 complimentary kid’s buffet for every 2 adult buffets offered at Cafe Marco and Three On Canton.

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 Fitbit Versa Lite 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 Most Common Credit Cards in Hong Kong

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.

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 2020

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!

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.

Does Hong Kong take credit cards?

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