Best Credit Cards in Hong Kong 2020

MoneySmart Exclusive

Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary: HK$96,000
Cash back on local spend: 1.5%
Cash back on overseas spend: 2%

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MoneySmart Exclusive: HK$350 Supermarket Vouchers Valid till 30 Jun 2020.

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Annual Interest Rate	33.41%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000

Visa

Visa payWave

Welcome Offer

Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary: HK$0
Cash back on local spend: 4%
Cash back on other spend: 0.4%

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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.

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Annual Interest Rate	N/A
Annual Principal Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period	53 Days

Local Resident	HK$0
Foreigner	HK$0

Unionpay

UnionPay QuickPass
Apple Pay

Welcome Offer

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

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Welcome Offer: Earn up to 50,000 miles and first year annual fee waiver Valid till 31 Dec 2020.

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Annual Interest Rate	36.33%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	Varies. For more info, view T&C
Interest Free Period	Up to 60 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Mastercard

Mastercard contactless

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
Miles Conversion (local spend): HK$4 = 1 Mile
Miles Conversion (overseas spend): HK$4 = 1 Mile

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MoneySmart Exclusive: HK$300 Supermarket Vouchers Valid till 30 Jun 2020.

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Annual Interest Rate	33.41%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000

Mastercard

Mastercard contactless

MoneySmart Exclusive

Earn 2% cashback from Octopus AAVS

EarnMORE UnionPay Card

Min. Annual Salary: HK$0
Cash back on local spend: 2%
Cash back on overseas spend: 2%

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MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.

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Annual Interest Rate	N/A
Annual Principal Fee	HK$800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period	53 days

Local Resident	HK$0
Foreigner	HK$0

Unionpay

UnionPay QuickPass
Apple Pay

MoneySmart Exclusive

Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary: HK$240,000
Miles Conversion (local spend): HK$8 = 1 mile
Miles Conversion (overseas spend): HK$3 = 1 mile

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MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$360,000

Mastercard

Welcome Offer

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

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Welcome Offer: Enjoy welcome offers valued up to HK$2,960 Valid till 30 Jun 2020.

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Annual Interest Rate	36.07%
Annual Principal Fee	HK$2,200
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free Period	N/A

Local Resident	HK$300,000

Welcome Offer

Complimentary Plaza Premium Lounge access

American Express Cathay Pacific Elite Credit Card

Min. Annual Salary: HK$300,000
Miles Conversion (local spend): HK$6 = 1 Mile
Miles Conversion (overseas spend): HK$6 = 1.5 Miles

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Welcome Offer: Enjoy up to 76,000 Asia Miles and first year annual fee waiver Valid till 30 Jun 2020.

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Annual Interest Rate	37.67%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit

Local Resident	HK$300,000
Foreigner	HK$300,000

MoneySmart Exclusive

High cash rebates for designated categories

Citi Rewards MasterCard

Min. Annual Salary: HK$150,000
Cash back on local spend: 3.2%
Miles Conversion (local spend): $3 = 1 Mile

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MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Foreigner	HK$60,000

MoneySmart Exclusive

Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary: HK$240,000
Cash back on local spend: 2%
Cash back on overseas spend: 2%

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MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Mastercard

Bank Promo

Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary: HK$150,000
Cash back on local spend: 4.4%
Cash back on overseas spend: 5%

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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.

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Annual Interest Rate	34.97%
Annual Principal Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The Minimum Payment Amount is HK$300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii).
Interest Free Period	Up to 56 days

Local Resident	HK$150,000
Foreigner	HK$150,000

Mastercard

Welcome Offer

Get 20% discount at lookfantastic

Dah Sing ONE+ Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 1%
Cash back on overseas spend: 1%

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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.

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Annual Interest Rate	35.70%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	First 2-year
Minimum Monthly Repayment	(i) If the Monthly Statement Balance is HK$/RMB200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$/RMB200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$/RMB200, the minimum payment will be the Monthly Statement Balance
Interest Free Period	Up to 60 days

Local Resident	HK$150,000

Mastercard

Mastercard contactless

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%

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MoneySmart Exclusive: HK$200 Cashback upon Card Approval, Successfully applied through MoneySmart: Extra HK$150 cash Coupon Valid till 30 Jun 2020.

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Annual Interest Rate	37.68%
Annual Principal Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.

Local Resident	HK$150,000
Foreigner	HK$150,000

Hang Seng Platinum UnionPay Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 4%
Miles Conversion (local spend): N/A

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Annual Interest Rate	38.37%
Annual Principal Fee	HK$1,500
Fee Waiver
Minimum Monthly Repayment	"The Minimum Payment Amount is HKD300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii)."
Interest Free Period	Up to 56 days

Local Resident	HK$150,000

Unionpay

Welcome Offer

Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary: HK$150,000
Miles Conversion (local spend): HK$8 = 1 Mile
Miles Conversion (overseas spend): HK$0.1875 = 1 Mile

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Welcome Offer: Get up to 74,000 Asia Miles with first year annual fee waiver Valid till 30 Jun 2020.

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Welcome Offer

As low as HK$1=1 Avios for welcome offer

Dah Sing British Airways Platinum Card

Min. Annual Salary: HK$150,000
Miles Conversion (local spend): HK$6 = 1 Avios
Miles Conversion (overseas spend): HK$0.25 = 1 Avios

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Welcome Offer: up to 100,000 Avios/ Supplementary Card 1,000 Avios Offer Valid till 31 Dec 2020.

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Welcome Offer

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

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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.

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Enjoy HK$0.3=1 mile on ANA ticket purchase

Dah Sing ANA World Mastercard

Min. Annual Salary: HK$150,000
Miles Conversion (local spend): HK$8 = 1 Mile
Miles Conversion (overseas spend): HK$8 = 1 Mile

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MoneySmart Exclusive

Enjoy premium travel offers

The Platinum Card

Min. Annual Salary: HK$1,000,000
Cash back on local spend: N/A
Miles Conversion (local spend): N/A

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MoneySmart Exclusive: HK$1,500 Cova Gift Card! Valid till 30 Jun 2020.

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MoneySmart Exclusive

Up to 15% bus fare rebate

Citi Octopus Platinum Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.5%
Miles Conversion (local spend): N/A

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MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart! Valid till 31 Dec 2020.

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Welcome Offer

AEON Card JAL

Min. Annual Salary: HK$0
Miles Conversion (local spend): HK$6 = 1 Mile
Miles Conversion (overseas spend): HK$6 = 1 Mile

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Welcome Offer: Get HK$500 cashback or interest-free installment plan Valid till 31 Dec 2020.

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Welcome Offer

Buy-1-Get-1-Free movie tickets

Citi Clear Card

Min. Annual Salary: HK$60,000
Cash back on local spend: 0.4%
Miles Conversion (local spend): N/A

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Welcome Offer: Enjoy up to HK$800 cash coupon or hotel afternoon tea set for two persons Valid till 31 Dec 2020.

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Welcome Offer

Up to 25% discount at I.T

American Express I.T Cashback Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 1.2%
Cash back on overseas spend: 1.2%

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Welcome Offer: Get HK$500 I.T shopping vouchers with 2 complimentary movie tickets Valid till 30 Jun 2020.

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Hang Seng Platinum Visa Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 4%
Miles Conversion (local spend): N/A

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Hang Seng Platinum Master Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 4%
Miles Conversion (local spend): N/A

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Welcome Offer

Complimentary 4th night free at any hotel

Citi Prestige Card

Min. Annual Salary: HK$600,000
Miles Conversion (local spend): HK$6 = 1 Mile
Miles Conversion (overseas spend): HK$4 = 1 Mile

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Welcome Offer: Get welcome offer 240,000 points and exclusive offers Valid till 30 Jun 2020.

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MoneySmart Exclusive

3 Complimentary airport lounges access per year

EarnMORE UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary: HK$0
Cash back on local spend: 2%
Cash back on overseas spend: 2%

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MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$100 cash rebate Valid till 31 Dec 2020.

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Welcome Offer

Buy-1-Get-1-Free UA movie tickets on Friday

WeWa UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary: HK$0
Cash back on local spend: 4%
Miles Conversion (local spend): 0.4%

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Welcome Offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate Valid till 28 Feb 2021.

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DBS Black American Express Card

Min. Annual Salary: HK$240,000
Cash back on local spend: N/A
Miles Conversion (local spend): $5 = 1 Mile

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HSBC Visa Signature Card

Min. Annual Salary: HK$360,000
Cash back on local spend: 3.6%
Miles Conversion (local spend): HK$2.78 = 1 Mile

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DBS Eminent Visa Platinum Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 3％
Miles Conversion (local spend): HK$7.2 = 1 Mile

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Get membership discounts at AEON

AEON UnionPay Credit Card

Min. Annual Salary: HK$0
Cash back on local spend: N/A
Miles Conversion (local spend): N/A

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HSBC Visa Platinum Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 2.4%
Miles Conversion (local spend): HK$4.17 = 1 Mile

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DBS Eminent Visa Signature Card

Min. Annual Salary: HK$360,000
Cash back on local spend: 1％
Miles Conversion (local spend): N/A

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Bank Promo

Hang Seng enJoy Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 1％
Cash back on overseas spend: 2.4%

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.

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HSBC Red Credit Card

Min. Annual Salary: HK$120,000
Cash back on Online purchases: 4%
Cash back on Supermarket purchases: 2%

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Dah Sing United MileagePlus World MasterCard

Min. Annual Salary: HK$150,000
Cash back on local spend: N/A
Miles Conversion (local spend): HK$8 = 1 mile

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Dah Sing Autotoll E-Serve Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.4%
Miles Conversion (local spend): N/A

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CCB (Asia) AIA Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.4%
Miles Conversion (local spend): HK$15 = 1 mile

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eye Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: N/A
Miles Conversion (local spend): HK$3 = 1 mile

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CCB (Asia) Hong Kong Airlines Fly Away Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: N/A
Miles Conversion (local spend): HK$6 = 1 mile

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BOC Hong Kong Airlines Visa Platinum Card

Min. Annual Salary: HK$150,000
Cash back on local spend: N/A
Miles Conversion (local spend): HK$6 = 1 mile

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BOC SOGO Visa Signature Card

Min. Annual Salary: HK$300,000
Cash back on local spend: 5%
Miles Conversion (local spend): HK$8 = 1 mile

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BOC Dual Currency Diamond Card

Min. Annual Salary: HK$200,000
Cash back on local spend: 4%
Miles Conversion (local spend): HK$8 = 1 mile

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Bank of Communications FWD CUP Dual Currency Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.4%
Miles Conversion (local spend): HK$8 = 1 mile

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Bank of Communications FWD Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: N/A
Miles Conversion (local spend): HK$8 = 1 mile

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Bank of Communications Go-Goal Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.4%
Miles Conversion (local spend): HK$8 = 1 mile

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ICBC Global Travel Platinum MasterCard

Min. Annual Salary: HK$250,000
Cash back on local spend: 0.5%
Miles Conversion (local spend): HK$6 = 1 mile

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ICBC Horoscope UnionPay Dual Currency Diamond Card

Min. Annual Salary: HK$250,000
Cash back on local spend: 1%
Miles Conversion (local spend): N/A

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ICBC | LINE FRIENDS Visa Signature Card

Min. Annual Salary: HK$250,000
Cash back on local spend: 0.5%
Miles Conversion (local spend): N/A

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BEA Flyer World Mastercard

Min. Annual Salary: HK$240,000
Cash back on local spend: N/A
Miles Conversion (local spend): HK$5 = 1 Mile

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BEA i-Titanium Card

Min. Annual Salary: HK$40,000
Cash back on local spend: 4.8%
Miles Conversion (local spend): N/A

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HSBC UnionPay Dual Currency Credit Card

Min. Annual Salary: HK$60,000
Cash back on local spend: 2.4%
Miles Conversion (local spend): HK$4.17 = 1 Mile

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No expiry date for reward points

Standard Chartered Platinum Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.4%
Miles Conversion (local spend): HK$15 = 1 Mile

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DBS COMPASS VISA (Student Card)

Min. Annual Salary: N/A
Cash back on local spend: 1%
Miles Conversion (local spend): HK$10 = 1 Mile

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HSBC UnionPay Dual Currency Diamond Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 2.4%
Miles Conversion (local spend): HK$4.17 = 1 Mile

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HSBC Visa Gold Card

Min. Annual Salary: HK$60,000
Cash back on local spend: 2.4%
Miles Conversion (local spend): HK$4.17 = 1 Mile

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Bank of China CUP Dual Currency Platinum Card

Min. Annual Salary: HK$150,000
Cash back on local spend: N/A
Miles Conversion (local spend): N/A

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American Express Cathay Pacific Elite Corporate Card

Min. Annual Salary: N/A
Cash back on local spend: N/A
Miles Conversion (local spend): $7 = 1 Mile

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BEA UnionPay Dual Currency PLATINUM Credit Card

Min. Annual Salary: HK$40,000
Cash back on local spend: N/A
Miles Conversion (local spend): N/A

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American Express Gold Business Card

Min. Annual Salary: HK$200,000
Cash back on local spend: 0.5%
Miles Conversion (local spend): $10 = 1 miles

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CNCBI Motion Credit Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 2%
Miles Conversion (local spend): N/A

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Bank of Communications CUP Dual Currency Diamond Card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.8%
Miles Conversion (local spend): $6 = 1 Mile

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BOC i-card

Min. Annual Salary: HK$150,000
Cash back on local spend: 0.4%
Miles Conversion (local spend): HK$15 = 1 mile

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Annual Interest Rate	N/A
Annual Principal Fee	HK$7,800
Supplementary Annual Fee	complimentary 2 supplementary cards
Fee Waiver
Minimum Monthly Repayment	N/A

Annual Interest Rate	31.59%
Annual Principal Fee	HK$480
Supplementary Annual Fee	N/A
Fee Waiver	Annual fee will be waived if yearly credit purchase spending reach HK$30,000
Minimum Monthly Repayment	4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance

Annual Interest Rate	37.75%
Annual Principal Fee	HK$2,000
Supplementary Annual Fee	HK$1,000
Fee Waiver
Minimum Monthly Repayment	Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher.
Interest Free Period	56 days

Annual Interest Rate	36.43%
Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Minimum Monthly Repayment	Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher.
Interest Free Period	56 days

Annual Interest Rate	34.49%
Annual Principal Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver
Minimum Monthly Repayment	Interest and fees and charges plus 1% of outstanding principal, plus any overlimit amount and past due amount (min. HK$200)
Interest Free Period	55 Days

Annual Interest Rate	36.70%
Annual Principal Fee	HK$3,800
Supplementary Annual Fee	HK$1,900
Fee Waiver	N/A
Minimum Monthly Repayment	HK$230 or 1% of statement balance (whichever is higher)

Annual Interest Rate	36.76%
Annual Principal Fee	N/A
Supplementary Annual Fee	HK$950
Fee Waiver	N/A
Minimum Monthly Repayment	HK$50
Interest Free Period	Up to 55 days

Annual Interest Rate	31.89%
Annual Principal Fee	HK$1,000
Supplementary Annual Fee	HK$500
Fee Waiver
Minimum Monthly Repayment	HK$50
Interest Free Period	55 Days

Annual Interest Rate	N/A
Annual Principal Fee	HK$590
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	N/A
Interest Free Period	51 Days

Annual Interest Rate	34.49
Annual Principal Fee	HK$1,200
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Minimum Monthly Repayment	1% of monthly payment + fees
Interest Free Period	Up to 57 days

Credit Card	Minimum Salary	Annual Fee
Standard Chartered Simply Cash Credit Card	HK$96,000	HK$1,800
Citi Rewards Visa Card	HK$150,000	HK$1,800
Hang Seng enJoy Card	HK$150,000	HK$0
Standard Chartered Asia Miles Mastercard	HK$96,000	HK$1,800
Hang Seng MPOWER Card	HK$150,000	HK$0
DBS Black World Mastercard	HK$240,000	HK$2,000
American Express Cathay Pacific Elite Credit Card	HK$300,000	HK$1,800
BEA Flyer World Mastercard	HK$240,000	HK$1,800
American Express Platinum Credit Card	HK$300,000	HK$2,200
WeWa UnionPay Card	HK$0	HK$800
EarnMORE UnionPay Card	HK$0	HK$800
Citi Cash Back Visa Card	HK$240,000	HK$1,800
AEON Card JAL	HK$0	HK$480
HSBC Red Card	HK$120,000	HK$0
DBS COMPASS VISA	HK$100,000	HK$1,800

Best Credit Cards in Hong Kong

Refine Your Results

Standard Chartered Simply Cash Visa Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

WeWa UnionPay Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

DBS Black World Mastercard

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Standard Chartered Asia Miles Mastercard

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

EarnMORE UnionPay Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi PremierMiles Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

American Express® Platinum Credit Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

American Express Cathay Pacific Elite Credit Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Citi Rewards MasterCard

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Citi Cash Back Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Hang Seng MPOWER CARD

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Dah Sing ONE+ Credit Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment

Blue Cash℠ Credit Card from American Express

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Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Wireless Payment