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
We found 63 Credit Cards for you!
Standard Chartered Smart Card
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
HK$3,524

【MoneySmart Exclusive: Rewards up to HK$3,524💰】
From now until 30 November 2024, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998) or OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780) or ROLLINK Flex (VEGA II) Collapsible Carry-On Suitcase (21inch) (Value: HK$1,299) or HK$800 Apple Store Gift Card or HK$800 PARKnSHOP supermarket vouchers or HK$800 HKTVmall e-Vouchers.
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】By November 30, 2024, apply for the Standard Chartered Smart Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
AEON CARD WAKUWAKU
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on Japanese spending
3%

【Limited Time Offer】From now until 30 November 2024, apply for the AEON CARD WAKUWAKU through MoneySmart, you can exclusively enjoy extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc). Alternatively, you can convert them into HK$200 cash and cash out directly! Click here to explore limitless possibilities (T&C applied)!
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726)】
By November 30, 2024, apply for the AEON CARD WAKUWAKU through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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New AEON Customers successfully applied AEON CARD WAKUWAKU through “AEON HK” Mobile App and input the welcome offer code “MSWAKU” to enjoy an extra HK$200 cash rebate (Offer by AEON) and up to 16% cash rebate + HK$400 cash rebate! Enjoy a year-round 6% cash rebate on online spending! Earn 3% cash rebate on purchases in Japan!

Valid until 30 Nov 2024 - See more details below
Apply Now
WeWa UnionPay Diamond Card
MoneySmart Exclusive
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra HK$200 vouchers from MoneySmart?  From now until 30 November 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726)】
By November 30, 2024, apply for the WeWa UnionPay Diamond Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【PrimeCredit x MoneySmart】From now until December 31 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$100 cash rebate + Welcome offer : 🇯🇵 Osaka Round-trip Flight Tickets or Sony Wireless Noise Cancelling Headphones WH-1000XM4 (Silver) (Suggested price: HK$2,890) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 30 Nov 2024 - See more details below
Apply Now
Standard Chartered Cathay Mastercard
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
60,000 miles

【 ✈️ Travel with CX Card & Jollying Pebble Suitcase! 🧳】
From now until 30 November 2024, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580) or POLAROID Go Instant Camera (Value: HK$999) or Jollying Pebble 20" Foldable Suitcase (Value: HK$899) or HK$900 Apple Store Gift Card or HK$900 PARKnSHOP supermarket vouchers or HK$900 HKTVmall e-Vouchers.
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By November 30, 2024, apply for the Standard Chartered Cathy Mastercard through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
CNCBI Motion Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$96,000
Cash Back on Dining, Online and Foreign Currency Spending
6%
Annual Fee Wavier
First-Year

【MoneySmart Exclusive】
Customer apply for CNCBI Motion Credit Card via MoneySmart and complete accumulate spending amount of HK$100 within first 30 days to get an extra **JBL Smart Speaker Link 20 (Value: HK$1,699) / Sudio E3 Noise Cancelling Earbuds (Value:HK$899) / HK$600 PARKnSHOP Supermarket Vouchers / Apple Store Gift Card / HKTVmall e-Vouchers!
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【Welcome Offer】
From now till 2 January 2025, New Cardholders can enjoy Welcome Offer choose 1 from 2:
1. 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance month OR
2. HK$600 Cash Rebate with accumulated spending of HK$6,000 in the first 2 months from the card issuance month.

Valid until 30 Nov 2024 - See more details below
Apply Now
HSBC Red Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Designated spending categories RewardCash Rebate
1%

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By November 30, 2024, apply for the HSBC Red Credit Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Hang Seng Travel+ Visa Signature Card
MoneySmart Exclusive
Overseas Spending up to 7% Reward
Annual Fee
Perceptual Annual Fee Waiver
+FUN Dollars Rebate on Foreign Currency Spending
Up to 7%
+FUN Dollars Rebate on Local Dining & Transportation Spending
5%

【Earn and Spend: Use +FUN Dollars to Unlock Flights, Hotel Accommodations and Travel Dreams Anytime!】
From now until 30 November 2024, apply for the Travel+ Visa Signature Card via MoneySmart, you can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / Trip.com / HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726)】
By November 30, 2024, apply for the Travel+ Visa Signature Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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From now till 31 December 2024, enjoy up to 7% +FUN Dollars upon registering for 2024 Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Program and meeting accumulative monthly eligible spending of HKD6,000 in Japan, Korea, Thailand, Singapore and Australia. You can earn up to $500 +FUN Dollars per month! Meanwhile, you can also enjoy discount for hotel and flight booking at Expedia, Agoda and Trip.com. Terms and Conditions apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$1.68 = 1 Mile
📣MoneySmart Exclusive: Elevate Your Rewards, Extend Your Journey!】
From now on until 30 November 2024, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 108,000 American Express Membership Rewards points (eqv. to 6,000 miles) upon the qualified spending of HK$7,000 within the first 3 months. Receive an extra HK$100 rebate by first top up HK$300 via iPhone or Apple Watch to your Octopus in the first 3 months.

🛫 Zoom to Japan, Korea, and Taiwan with Ample Time!
Within the FIRST 6 MONTHS,
earn HK$2=1 mile on eligible foreign currency transactions, up to 720,000 Points, enough to redeem for 40,000 miles. Plus, earn HK$4.5=1 mile on eligible local transactions, up to 432,000 Points, enough to redeem for 24,000 miles. That's a potential of up to 64,000 bonus miles! Enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid until 30 Nov 2024 - See more details below
Apply Now
DBS Black World Mastercard
MoneySmart Exclusive
Redeem various mileage points without any fee
Welcome Offer
Up to 42,000 miles
Upon meeting local and overseas spending goal*
HK$3/mile
Miles Conversion (overseas spend)
HK$4/mile

【⚡️Unleash Your Wanderlust: HK$500 vouchers & Awesome Extras Await!】
From now until 30 Nov 2024, 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 cash vouchers (over 20+ brand vouchers including Apple, PARKnSHOP, Klook etc) or Smasung Galaxy Fit (Value: HK$498) or JBL Clip 4 Ultra-portable Waterproof Speaker (Value:HK$499). If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Click here to explore limitless possibilities at our Rewards Store! Including bank welcome offer, you can enjoy up to HK$500 rewards and up to 42,000 miles!

Valid until 30 Nov 2024 - See more details below
Apply Now
CNCBI GBA Dual Currency Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$96,000
All year round Cash rebate on WeChat HK Wallet, UnionPay App and RMB Spending
4%
Basic Cash Back
0.5%

【MoneySmart Exclusive]
Apply for CNCBI GBA Dual Currency Credit Card now via MoneySmart and complete accumulate spending amount of HK$100 within first 30 days to get an extra JBL Smart Speaker Link 20 (Value: HK$1,699) / Sudio E3 Noise Cancelling Earbuds (Value:HK$899) / HK$600 PARKnSHOP Supermarket Vouchers / Apple Store Gift Card / HKTVmall e-Vouchers!
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From now till 31 January 2024, New Cardholders can enjoy Welcome Offer, 10% Cash Rebate on spending in foreign currencies (include RMB) made with the GBA Dual Currency Credit Card in the first 3 months starting from the card issuance month Or Enjoy HK$600 Cash Rebate with accumulated spending of HK$6,000 in the first 2 months from the card issuance month.
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【Welcome Offer】
From now till 2 January 2025, New Cardholders can enjoy Welcome Offer choose 1 from 2:

  1. 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance month OR
  2. HK$600 Cash Rebate with accumulated spending of HK$6,000 in the first 2 months from the card issuance month.
Valid until 30 Nov 2024 - See more details below
Apply Now
Hang Seng enJoy Card
MoneySmart Exclusive
Up to 4x Points to spend as cash
Annual fees
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points

【Make Every Grocery Trip Count】
From now until 15 November, new credit card customers* who successfully applied for the Hang Seng
enJoy Card via MoneySmart, simply spend HK$800 within 30 days after card issuance, can enjoy
an extra 8,000 SmartPoints; existing customers who spend HK$600 within 30 days after card issuance,
can also enjoy extra 6,000 SmartPoints!
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New customers can use 8,000 SmartPoints to fully redeem HK$800 vouchers (over 20+ brand vouchers
including Apple / HKTVmall / Klook etc) or Apple HomePod mini (Value: HK$749) or
De'Longhi KBOV2001 Icona Vintage Series Water Kettle (Value: HK$888), you can also top-up to
redeem BRUNO Compact Hot Plate - White (Value: HK$998) from our Rewards Store. Existing customers
can use 6,000 SmartPoints to fullyredeem a CMF By Nothing WATCH PRO D395 (Retail Value: HK$549)
or HK$600 vouchers. Explore more other options available at our Rewards Store!
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher
for Free (Valued at $726)】
By November 30, 2024, apply for the Hang Seng enJoy Card through MoneySmart and submit the
rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership
and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends!
(Limited offer, first come first served while stocks last)! Terms and conditions apply.
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【Bank Welcome Offer】Link enJoy Card to yuu Rewards Program and accumulate eligible retail
spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to
rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent
to rewards worth HK$400)!

Valid until 15 Nov 2024 - See more details below
Apply Now
The Platinum Card
MoneySmart Exclusive
Enhanced Welcome Offer
Miles Conversion (Overseas Spending)
HK$6 = 1 Mile
Miles Conversion (Local Spending)
HK$9 = 1 Mile
Discount at designated restaurants
40%
【Game-Changing ! The Ultimate Choice for High-Spending Mileage: Enjoy up to 55,555 Miles!】
From now till November 30, 2024, customers who successfully apply for the Platinum Card via MoneySmart and accumulate spending amount of $50,000 within the first 3 months, can earn up to 1,000,000 Membership Rewards points! 1,000,000 Membership Rewards points is equivalent to HK$3,333 statement credit or HK$6,666 travel credit or 55,555 air miles, which is sufficient to redeem round trip tickets to Japan for two or round trip tickets to Europe!
Valid until 30 Nov 2024 - See more details below
Apply Now
HSBC EveryMile Credit Card
MoneySmart Exclusive
Local and oversea spending
As low as HK$2 = 1 Mile
Minimum Annual Income
HK$240,000
Welcome Offer
Up to $1,000 RewardCash

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By November 30, 2024, apply for the EveryMile Credit Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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New credit card customers can enjoy up to HK$800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!
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【Overseas Spending Offer】From 1 July 2024 to 31 December 2024, by making eligible overseas spending using the HSBC EveryMile credit card and accumulating a net spending amount of at least HKD 8,000 per tier, you can earn as low as HKD 2 = 1 mile!

Valid until 30 Nov 2024 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%

【MoneySmart Exclusive Offer】Want to get extra $200 vouchers from MoneySmart?  From now until 30 November 2024, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store(over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726)】
By November 30, 2024, apply for the EarnMORE UnionPay Diamond Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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[PrimeCredit x MoneySmart] From now until December 31, apply EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$100 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or  OTO Vanda 2.0 massage chair (VN-05) (Suggested price: HK$13,800) or German Pool Smart Air Purifier Fan (EFB-426HM-SC) (Suggested price: HK$2,480) or up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 30 Nov 2024 - See more details below
Apply Now
Citi Cash Back Card
2% foreign currency rebate
Minimum Income Requirements
HK$120,000
Cash back on local spend
1%
Cash back on overseas spend
2%
Read More
Mox Credit (Miles)
MoneySmart Exclusive
Miles Conversion
HKD4 = 1 mile
Foreign transaction fee waived
1.95%
MoneySmart exclusive welcome offer
25,000 miles and HKD726 reward

⭐️ Reward you with 25,000 miles🛩 New customers can enjoy up to 25,000 miles (redeemable for a round-trip ticket to Japan 🇯🇵) and an additional HKD 726 MoneySmart exclusive offer by successfully opening an account with the promo code '4100MST' and spending a minimum of HKD 15,000. Total value over HKD 3,851💰
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⠀📣 “Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)
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⠀⠀One card is all you need! Use the promo code '4100MST' to open your account and get up to 25,000 miles, along with the MoneySmart HKD726 exclusive offer (12-Months of Deliveroo Plus Silver Membership and a Cash Voucher) Terms and conditions apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
HSBC Visa Signature Card
MoneySmart Exclusive
Min. Annual Salary
HK$240,000
RewardCash Rebate
Up to 3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By November 30, 2024, apply for the Visa Gold Card / Visa Signature Card / Visa Platinum Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【Online welcome offer】
New credit card customers can enjoy up to HK$800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!

Valid until 30 Nov 2024 - See more details below
Apply Now
Hang Seng MMPOWER World Mastercard®
MoneySmart Exclusive
Get 6% +FUN Dollars on overseas spending
Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on selected spending categories
6%
+FUN Dollars rebate on Online Retail Transaction
5%

【📱Earn 5% +FUN Dollar Rebate & Welcome Perks with Your NEW PHONE Purchase!】
From now until 10 November, new credit card customers* who successfully applied for the Hang Seng MMPOWER World Mastercard® via MoneySmart, simply spend HK$1,000 within 30 days after card issuance, can enjoy an extra 10,000 SmartPoints; existing customers who spend HK$700 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
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New customers can use 10,000 SmartPoints to fully redeem HK$1,000 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) or POLAROID Now+ i-Type Instant Camera + 5 lens filters (Value : HK$1,599) or German Pool Multifunctional Cordless Vacuum Cleaner (Value: HK$1,380) from our Rewards Store. You can also top-up to redeem AirPods 4 (Value: HK$1,099). Existing customers can use 7,000 SmartPoints to fully redeem a SAMSUNG Galaxy Buds FE (Retail Value: HK$898) or HK$700 vouchers. Explore more other options available at our Rewards Store!
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726)】
By November 30, 2024, apply for the MMPOWER World Mastercard® through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【MMPOWER Super Deal】From now until 31 December, 2025, customers who earn 6% +FUN Dollars in overseas foreign currencies spending, 5% +FUN Dollars in online retail spending and 1% +FUN Dollars in your selected spending categories upon meeting accumulative monthly eligible retail spending of HK$5,000!

Valid until 10 Nov 2024 - See more details below
Apply Now
American Express Gold Business Card
MoneySmart Exclusive
Uncapped 1% rebate on foreign currencies expenses
Annual Principal Fee
First-year Annual Fee Waiver
Foreign Currency Spending Bonus
Up to 3X points^
Local Spending Bonus
Up to 2X points^
Bossing your business? Get the "Boss Gold Card" for real perks and show your boss status. Apply now with your BR ready! Enjoy first-year annual fee waiver upon successful application!

🌟Elevate You Spending Power: Get HK$1,100 for Approved Card & HK$1,000 Spent!】 
Customers who successfully apply for the American Express Gold Business Card through MoneySmart can earn HK$200 statement credit upon first transaction made. Enjoy another HK$800 statement credit upon accumulated spending of HK$1,000, and an extra HK$100 statement credit by topping up HK$300 to your Octopus via iPhone in the first 3 months!

【Welcome Bonus Rewards】
By accumulating a total of HK$45,000 in spending within the first three months, you can enjoy an additional 315,000 points (which can redeem for HK$1,050 Pay with Points or 17,500 miles)! 
Valid until 30 Nov 2024 - See more details below
Apply Now
HSBC Visa Gold Card for Students
MoneySmart Exclusive
Up to $300 RewardCash welcome offer
RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By November 30, 2024, apply for the Visa Gold Card for Students through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
⠀⠀
【Online Welcome Offer】
Up to $300 RewardCash when you successfully apply for an HSBC Visa Gold Card for Students.
Earn up to $400 RewardCash when you pay your tuition fee via HSBC online channels with the card.

Valid until 30 Nov 2024 - See more details below
Apply NowApply directly on MoneySmart

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. 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.

Best Credit Cards in Hong Kong

Credit CardMinimum SalaryAnnual Fee
Standard Chartered Smart CardHK$96,000HK$0
Standard Chartered Asia Miles MastercardHK$96,000HK$1,800
Hang Seng MMPOWER CardHK$150,000HK$0
DBS Black World MastercardHK$240,000HK$2,000
American Express Platinum Credit CardHK$300,000HK$2,200
WeWa UnionPay CardHK$0HK$800
EarnMORE UnionPay CardHK$0HK$800
HSBC Red CardHK$120,000HK$0

HK Credit Card Offers

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.

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Compare Credit Cards in Hong Kong

Air Miles

Miles 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

Cashback

Cashback 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 Points

Reward 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 1

Identify 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 2

Understand 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 3

Consider 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.

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Credit Card Recommendations

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!

Our customer reviews on applying credit cards through MoneySmart

Looking to apply a credit card? Check out what our customers say about their experience of applying credit cards through MoneySmart (from Google Reviews)

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Customer service is good, timely response, helpful. Great experience with MoneySmart. Will continue to apply credit card through MoneySmart in the future.
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Frequently Asked Questions

What is MoneySmart Referral Program?

Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,600 Apple Gift Card/759 store e-voucher/Beosound Explore Waterproof outdoor speaker (retail value $1,898) and 9,000 Miles (108,000 Points) (Fulfilled by Citibank). Get extra $300 for every friend you refer to apply. The more you refer, the more rewards you get!

Can foreigners apply for credit cards in Hong Kong?

Non-permanent residents can submit credit card application online together with supporting documents which include identity proof (e.g passport), income/ employment proof and address proof for approval.

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.

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.

What exclusive offers can I enjoy if I apply for credit cards through MoneySmart?

MoneySmart partners with various banks in Hong Kong, such as Citibank and SCB to give exclusive offers. Click now to find the latest offers!