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Find the Best Credit Cards in Hong Kong 2024

Compare the best credit cards in Hong Kong, that offers some of the best benefits such as cashback, miles, rewards, and promotions. Find a wide variety of credit cards to suit your spending habit to maximise your savings and rewards. Apply for your ideal card on MoneyHero today!
Exclusive Offer Best offer in town 2% Unlimited Cash Rebate
Citi Cash Back Card

Citi Cash Back Card

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Cashback Local Online Shopping
1  %
Annual Fee Waiver
First year

2 Offers Available

MoneyHero Exclusive Offer
HK$1,800 Apple Store Gift Card
HK$1,800 Apple Store Gift Card

+ 3 other gift options

Valid until

02 December 2024

MoneyHero Exclusive Offer
Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima)
Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour)
Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Nintendo Switch (OLED model) (valued at HK$2,680; random color)
Nintendo Switch (OLED model) (valued at HK$2,680; random color)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)

Valid until

02 December 2024

MoneyHero Exclusive Offer
LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)
LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)

Valid until

02 December 2024

Things to consider for this product:

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Dining rebate

check

Overseas rebate

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Unlimited rebate

check

High-priced welcome gifts

Exclusive Offer
Hang Seng MMPOWER World Mastercard®

Hang Seng MMPOWER World Mastercard®

Cashback Local
5  %
info
Cashback Overseas
6  %
info
Cashback Overseas Online Shopping
5  %
info
Annual Fee Waiver
Perpetual

5 Offers Available

MoneyHero Exclusive Gift (New to Bank Customer)
New Credit Card Customer : LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)
New Credit Card Customer : LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)

+ 3 other gift options

Valid until

30 November 2024

MoneyHero Exclusive Voucher (New to Bank Customer)
New Credit Card Customer : HK$1,000 Apple Store Gift Card
New Credit Card Customer : HK$1,000 Apple Store Gift Card

+ 2 other gift options

Valid until

30 November 2024

MoneyHero Exclusive Gift (Existing Customer)
Existing Customer : Marshall Willen Wireless Portable Speaker(valued at HK$999)
Existing Customer : Marshall Willen Wireless Portable Speaker(valued at HK$999)

+ 1 other gift options

Valid until

30 November 2024

MoneyHero Exclusive Voucher (Existing Customer)
Existing Credit Card Customer : HK$700 Apple Store Gift Card
Existing Credit Card Customer : HK$700 Apple Store Gift Card

+ 2 other gift options

Valid until

30 November 2024

Welcome Offer - Up to $700 +FUN Dollars
New Customer:$700 +FUN Dollars
New Customer:$700 +FUN Dollars

+ 1 other gift options

Valid until

31 December 2024

Things to consider for this product:

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Local spending rebate

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Online Spending

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Overseas rebate

check

No Annual Fee

Best Card for China Travel Cashback of up to 10% in RMB
CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

Cashback Overseas
10  %
info
Cashback Local
4  %
info
Cashback Octopus Top Up Spending
0.55  %
Annual Fee
HK$ 1,800

3 Offers Available

Limited Extra Offer
Dyson Purifier Hot+Cool Formaldehyde HP09 (White/Gold) (Valued at HK$7,180)
Dyson Purifier Hot+Cool Formaldehyde HP09 (White/Gold) (Valued at HK$7,180)

Valid until

25 November 2024

MoneyHero Exclusive Welcome Gift
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280; random colour)

+ 2 other gift options

Valid until

25 November 2024

MoneyHero Exclusive Welcome Voucher
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 3 other gift options

Valid until

25 November 2024

Things to consider for this product:

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Overseas rebate

check

Airport lounge

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Welcome offer: Rebate

check

No foreign txn fee

Exclusive Offer No cross border fee
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Cashback Local
5  %
info
Foreign Currency Transaction Fee
0  %
Interest on installment plans
0  %
info
Annual Fee Waiver
Perpetual Annual Fee Waiver

4 Offers Available

MoneyHero Exclusive Welcome Gift
Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color)
Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color)

Valid until

29 November 2024

MoneyHero Exclusive Welcome Voucher
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 5 other gift options

Valid until

29 November 2024

Welcome Offer
HK$800 CashBack
HK$800 CashBack

+ 1 other gift options

Valid until

09 January 2025

Smart Card no foreign currency transaction fees offer
No foreign currency transaction fees during travel and No other fees
No foreign currency transaction fees during travel and No other fees

Valid until

09 January 2025

Things to consider for this product:

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Installment

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No foreign txn fee

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Local spending rebate

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Annual Fee waiver

Exclusive Offer Online Shopping Rebate Annual Fee Waiver
HSBC Red Credit Card

HSBC Red Credit Card

Annual Fee
Perpetual annual fee waiver
Cashback Overseas Online Shopping
4  %
info
Designated spending categories
1  %

3 Offers Available

MoneyHero Exclusive Offer
HK$300 Apple Store Gift Card
HK$300 Apple Store Gift Card

+ 1 other gift options

Valid until

30 November 2024

HSBC Credit Card x YOHO Welcome Offer
KOIZUMIKOIZUMI Ion Balance Hair Dryer KHD-9910  (Valued HKD$600)
KOIZUMIKOIZUMI Ion Balance Hair Dryer KHD-9910 (Valued HKD$600)

+ 1 other gift options

Valid until

31 December 2024

Red Hot Shopping Special - SOGO
up to $700 RewardCash rebate
up to $700 RewardCash rebate

Valid until

02 January 2025

Things to consider for this product:

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Online shopping rebate

check

Overseas rebate

check

Annual fee waiver

check

Cinema ticketing

Exclusive Offer
Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

Airmiles Dining
$ 4  per mile
info
Airmiles Overseas
$ 4  per mile
info
Airmiles Hotel Booking
$ 4  per mile
info
Annual Fee Waiver
First year

4 Offers Available

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,800)
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,800)

+ 1 other gift options

Valid until

29 November 2024

MoneyHero Exclusive Welcome Gift
LEGEND WALKER 31
LEGEND WALKER 31" Luggage (valued at HK$5,600, random color)

+ 2 other gift options

Valid until

29 November 2024

MoneyHero Exclusive Welcome Voucher
HK$900 Apple Store Gift Card
HK$900 Apple Store Gift Card

+ 3 other gift options

Valid until

29 November 2024

Welcome Offer - Up to 60,000 Miles
60,000 Miles
Up to 60,000 Miles

Valid until

30 November 2024

Things to consider for this product:

check

Welcome offer: Air miles

remove

Air miles conversion

remove

Hotel bookings offer

remove

Overseas rebate

Exclusive Offer Best offer in town
Citi Rewards Card

Citi Rewards Card

Points Rebate on Shopping
3  %
info
Points Rebate on Entertainment
3  %
info
Points Rebate on Local Mobile Payment
1  %
info
Annual Fee Waiver
First year

2 Offers Available

MoneyHero Exclusive Offer
HK$1,800 Apple Store Gift Card
HK$1,800 Apple Store Gift Card

+ 3 other gift options

Valid until

02 December 2024

MoneyHero Exclusive Offer
Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima)
Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour)
Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Nintendo Switch (OLED model) (valued at HK$2,680; random color)
Nintendo Switch (OLED model) (valued at HK$2,680; random color)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)

Valid until

02 December 2024

MoneyHero Exclusive Offer
LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)
LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)

Valid until

02 December 2024

Things to consider for this product:

check

High-priced welcome gifts

check

Annual Fee waiver

Highest Exclusive Offer in Town Must-have for travelers
Hang Seng enJoy Card

Hang Seng enJoy Card

Cashback Supermarket
1.5  %
info
Cashback Dining
2  %
info
Cashback Local
2  %
info
Annual Fee Waiver
Perpetual Annual Fee Waiver

4 Offers Available

MoneyHero Exclusive Welcome Gift (New to Bank Customer)
New Credit Card Customer : Delsey ECLIPSE SE 31
New Credit Card Customer : Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 2 other gift options

Valid until

30 November 2024

MoneyHero Exclusive Welcome Voucher (New to Bank Customer)
New Credit Card Customer : HK$1,000 Apple Store Gift Card
New Credit Card Customer : HK$1,000 Apple Store Gift Card

+ 2 other gift options

Valid until

30 November 2024

MoneyHero Exclusive Voucher (Existing Customer)
Existing Credit Card Customer : HK$700 Apple Store Gift Card
Existing Credit Card Customer : HK$700 Apple Store Gift Card

+ 2 other gift options

Valid until

30 November 2024

Welcome Offer - Worth up to 120,000 yuu Points
120,000 yuu Points (for new credit card customers)
120,000 yuu Points (for new credit card customers)

+ 1 other gift options

Valid until

31 December 2024

Things to consider for this product:

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Local spending rebate

check

Dining rebate

check

Supermarket rebate

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No Annual Fee

Exclusive Offer Best offer in town Free Access to airport lounges
Citi PremierMiles Card

Citi PremierMiles Card

Airport Lounge Access
12  times
info
Air Miles Conversion Fee
Waived
Airmiles Overseas
$ 3  per mile
info
Cashback Local
0.75  %
info

2 Offers Available

MoneyHero Exclusive Offer
HK$1,800 Apple Store Gift Card
HK$1,800 Apple Store Gift Card

+ 3 other gift options

Valid until

02 December 2024

MoneyHero Exclusive Offer
Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima)
Greater Bay Airlines Round-trip tickets for two from Hong Kong to Japan(Includes 20 kg of luggage, excluding taxes, with destinations including Osaka, Yonago, and Tokushima)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour)
Marshall Stanmore III Bluetooth Speaker (valued at HK$3,499, random colour)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Nintendo Switch (OLED model) (valued at HK$2,680; random color)
Nintendo Switch (OLED model) (valued at HK$2,680; random color)

Valid until

02 December 2024

MoneyHero Exclusive Offer
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)

Valid until

02 December 2024

MoneyHero Exclusive Offer
LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)
LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)

Valid until

02 December 2024

Things to consider for this product:

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High-priced welcome gifts

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Airport lounge

check

Travel insurance

check

Purchase protection

Best-in-town unlimited cashback
Mox Credit Card (CashBack)

Mox Credit Card (CashBack)

Cashback Supermarkets
3  %
info
Cashback Designated Local Spending
Up to 5  %
info
Cashback Local
2  %
info
Annual Fee Waiver
Perpetual

5 Offers Available

MoneyHero Limited-Time Exclusive Offer (with the invitation code "MHNOV")
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280; random colour)

+ 2 other gift options

Valid until

29 November 2024

MoneyHero Limited-Time Welcome Voucher (with the invitation code "MHNOV")
HK$1,200 Apple Store Gift Card
HK$1,200 Apple Store Gift Card

+ 2 other gift options

Valid until

29 November 2024

Mox Bank X Trip.com Promotion
Up to 9% Hotel Discount + Up to HK$100 Flight Discount
Up to 9% Hotel Discount + Up to HK$100 Flight Discount

Valid until

31 December 2024

Mox Bank iPhone for Life Offer
iPhone 16 series clean-up and launch discount - up to HKD600 cash reward and 2% unlimited CashBack
iPhone 16 series clean-up and launch discount - up to HKD600 cash reward and 2% unlimited CashBack

Valid until

30 November 2024

New fund deposit offer and million Asia Miles lucky draw
6,250 Asia Miles + 1,000,000 exclusive miles earned every week
6,250 Asia Miles + 1,000,000 exclusive miles earned every week

Valid until

31 December 2024

Things to consider for this product:

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Instant onboarding

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Unlimited Instant Cashback

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Instant Cash Loan

check

0% Instalment offer

Exclusive Offer
Citi Prestige Card

Citi Prestige Card

Airmiles Overseas
$ 4  per mile
info
Airmiles Local
$ 6  per mile
info
Air Miles Conversion Fee
Waived
Airport Lounge Access
Unlimited

2 Offers Available

MoneyHero Limited-Time Exclusive Offer
Dyson Deluxe Package (total value at HK$7,160): DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) + Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380)
Dyson Deluxe Package (total value at HK$7,160): DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) + Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380)

+ 3 other gift options

Valid until

29 November 2024

MoneyHero Limited-Time Welcome Voucher
HK$5,000 Apple Store Gift Card
HK$5,000 Apple Store Gift Card

+ 1 other gift options

Valid until

29 November 2024

Things to consider for this product:

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Airport lounge

check

Travel insurance

check

Hotel bookings offer

check

Overseas rebate

Best-in-town Asia Miles rewards
Mox Credit Card (Asia Miles)

Mox Credit Card (Asia Miles)

Unlimited mileage rebates on spending
as low as $ 4  per mile
Overseas transaction fee
0  %
Installment fee
0  %

5 Offers Available

MoneyHero Limited-Time Exclusive Offer (with the invitation code "4100MHR")
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280; random colour)

+ 2 other gift options

Valid until

29 November 2024

MoneyHero Limited-Time Welcome Voucher (with the invitation code "4100MHR")
HK$1,200 Apple Store Gift Card
HK$1,200 Apple Store Gift Card

+ 2 other gift options

Valid until

29 November 2024

Mox Bank X Trip.com Promotion
Up to 9% Hotel Discount + Up to HK$100 Flight Discount
Up to 9% Hotel Discount + Up to HK$100 Flight Discount

Valid until

31 December 2024

Mox Bank iPhone for Life Offer
iPhone 16 series clean-up and launch discount - up to HKD600 cash reward and 2% unlimited CashBack
iPhone 16 series clean-up and launch discount - up to HKD600 cash reward and 2% unlimited CashBack

Valid until

30 November 2024

New fund deposit offer and million Asia Miles lucky draw
6,250 Asia Miles + 1,000,000 exclusive miles earned every week
6,250 Asia Miles + 1,000,000 exclusive miles earned every week

Valid until

31 December 2024

Things to consider for this product:

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Instant onboarding

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Unlimited flight miles

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Travel platform consumption discount

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Welcome offer: AirMiles

remove

foreign currency transaction

sim Credit Card

sim Credit Card

Annual Fee
HK$ 800
info
Cashback Local
Up to 3  %
info
Cashback Local Online Shopping
Up to 8  %
info
Annual Fee Waiver
First year

3 Offers Available

MoneyHero Exclusive Offer
HK$300 Apple Store Gift Card + HK$50 cash rebate*
HK$300 Apple Store Gift Card + HK$50 cash rebate*

+ 1 other gift options

Valid until

29 November 2024

Welcome gift
EIGHT Emperor Cinemas Movie e-Vouchers (Reference Value: HKD1,120)
EIGHT Emperor Cinemas Movie e-Vouchers (Reference Value: HKD1,120)

+ 4 other gift options

Valid until

30 November 2024

Welcome Offer
Cashback of up to 10%, whether you use Apple Pay or Google Pay
Cashback of up to 10%, whether you use Apple Pay or Google Pay

Valid until

31 December 2024

CNCBI Motion Credit Card

CNCBI Motion Credit Card

Cashback Overseas
10  %
info
Cashback Local
0.5  %
info
Cashback Dining
6  %
info
Annual Fee
HK$ 1,800
info

4 Offers Available

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)(redeem with HK$1,000)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)(redeem with HK$1,000)

+ 1 other gift options

Valid until

29 November 2024

MoneyHero Exclusive Welcome Gift
Marshall Emberton II Speaker (valued at HK$1,499)
Marshall Emberton II Speaker (valued at HK$1,499)

+ 1 other gift options

Valid until

29 November 2024

MoneyHero Exclusive Welcome Voucher
HK$600 Apple Store Gift Card
HK$600 Apple Store Gift Card

+ 3 other gift options

Valid until

29 November 2024

Welcome Offer
10% Cash Rebate on spending in foreign currencies
10% Cash Rebate on spending in foreign currencies

+ 1 other gift options

Valid until

02 January 2025

Things to consider for this product:

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Dining rebate

check

Online shopping rebate

check

No foreign txn fee

check

Annual Fee waiver

DBS Black World Mastercard®

DBS Black World Mastercard®

Airmiles Overseas
$ 4  per mile
Airmiles Local
$ 6  per mile
info
Airmiles Dining
$ 6  per mile
info
Annual Fee Waiver
One year

4 Offers Available

MoneyHero Exclusive Welcome Gift
Delsey Eclipse SE 27
Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,980; random colour)

+ 3 other gift options

Valid until

30 November 2024

MoneyHero Exclusive Welcome Voucher
HK$800 Trip.com e-Gift Voucher
HK$800 Trip.com e-Gift Voucher

Valid until

30 November 2024

DBS Card+ Extra Welcome Offer
HK$100 InstaRedeem Discount
Apply and active physical card through DBS Card+ app can enjoy extra HK$100 InstaRedeem Discount

Valid until

03 January 2025

DBS Extra Miles Welcome Offer
up to 42,000 Miles
up to 42,000 Miles

Valid until

03 January 2025

Things to consider for this product:

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Travel agency offer

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Welcome offer: Air miles

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Air miles conversion

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No expiry air miles

DBS Eminent Visa Platinum Card

DBS Eminent Visa Platinum Card

Airmiles Overseas
Not Applicable
Airmiles Dining
Not Applicable
Cashback Dining
5  %
info
Cashback Overseas
2  %
info

4 Offers Available

MoneyHero Exclusive Welcome Gift
Delsey Eclipse SE 27
Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,980; random colour)

+ 3 other gift options

Valid until

30 November 2024

MoneyHero Exclusive Welcome Voucher
HK$800 Trip.com e-Gift Voucher
HK$800 Trip.com e-Gift Voucher

Valid until

30 November 2024

Welcome Offer
Up to HK$600 Rewards
Up to HK$600 Rewards

Valid until

03 January 2025

DBS Card+ Extra Welcome Offer
HK$100 InstaRedeem Discount
Apply and active physical card through DBS Card+ app can enjoy extra HK$100 InstaRedeem Discount

Valid until

03 January 2025

Things to consider for this product:

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Dining rebate

check

Online shopping rebate

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Annual Fee waiver

check

Dining discount

PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

Cashback Apple Pay
6  %
Cashback Overseas
4  %
info
Cashback Local
4  %
info
Foreign Currency Transaction Fee
Waived

3 Offers Available

MonyHero Exclusive Offer
New Customer: HK$200 Apple Store Gift Card + HK$100 Cash Rebate
New Customer: HK$200 Apple Store Gift Card + HK$100 Cash Rebate

+ 3 other gift options

Valid until

29 November 2024

WeWa Card Mobile Payment Offer
Apple Pay and other designated mobile payment methods up to 6% Cash Rebate
Apple Pay and other designated mobile payment methods up to 6% Cash Rebate

Valid until

31 March 2025

Welcome Offer
Round-trip air ticket to Osaka
Round-trip air ticket to Osaka

+ 4 other gift options

Valid until

31 March 2025

Things to consider for this product:

check

Travel agency offer

check

Foreign txn rebate

check

Cinema ticketing

check

Installment

Standard Chartered Cathay Mastercard - Priority Private

Standard Chartered Cathay Mastercard - Priority Private

Cashback Local
Not Applicable
Annual Fee
HK$ 8,000

4 Offers Available

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,800)
Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,800)

+ 1 other gift options

Valid until

29 November 2024

MoneyHero Exclusive Welcome Gift
LEGEND WALKER 31
LEGEND WALKER 31" Luggage (valued at HK$5,600, random color)

+ 2 other gift options

Valid until

29 November 2024

MoneyHero Exclusive Welcome Voucher
HK$900 Apple Store Gift Card
HK$900 Apple Store Gift Card

+ 3 other gift options

Valid until

29 November 2024

Welcome Offer - Up to 100,000 Miles
100,000 miles
Up to 100,000 miles

Valid until

30 November 2024

Things to consider for this product:

check

Welcome offer: Air miles

check

Airport lounge

check

Air ticket rebate

check

Air miles conversion

American Express Explorer® Credit Card

American Express Explorer® Credit Card

Airmiles Travel
as low as $ 1.68  per mile
info
Airmiles Dining
$ 3.6  per mile
info
Airmiles Online Food Delivery
$ 3.6  per mile
info
Airport Lounge Access
8  times
info

2 Offers Available

MoneyHero Time-limited Exclusive Offer
First ever 6-Month Welcome Offer – earn up to 64,000 miles. Plus, earn an extra HK$100 rebate on Octopus Top-Up via iphone and 6,000 miles upon HK$7,000 spend in first 3 months!
First ever 6-Month Welcome Offer – earn up to 64,000 miles. Plus, earn an extra HK$100 rebate on Octopus Top-Up via iphone and 6,000 miles upon HK$7,000 spend in first 3 months!

Valid until

30 November 2024

Explorer® Credit Card Overseas Spend Offers
Overseas Spend as low as HK$1.68 = 1 mile (Up to 10.75X Membership Rewards points)
Overseas Spend as low as HK$1.68 = 1 mile (Up to 10.75X Membership Rewards points)

Valid until

31 December 2024

Things to consider for this product:

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Conciege Service

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Airport lounge

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Travel insurance

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Purchase protection

The Platinum Card®

The Platinum Card®

Airport Lounge Access
Unlimited Times
Airmiles Overseas
$ 4.5  per mile
info
Airmiles Local
$ 7.5  per mile
info
Min. Annual Income
None

4 Offers Available

MoneyHero Exclusive Offer
1,000,000 Membership Rewards® points
1,000,000 Membership Rewards® points

Valid until

31 December 2024

The Platinum Card® Top up Octopus Offer
Earn extra HK$100 statement credit upon topping up your Octopus on iPhone or Apple Watch for HK$300 in the first 3 months
Earn extra HK$100 statement credit upon topping up your Octopus on iPhone or Apple Watch for HK$300 in the first 3 months

Valid until

31 December 2024

The Platinum Card® Travel Offer
The Platinum Card® Travel Offer: Up to HK$2,200 Statement Credit
The Platinum Card® Travel Offer: Up to HK$2,200 Statement Credit

Valid until

31 December 2024

The Platinum Card® Dining Offer
The Platinum Card® Dining Offer: Up to HK$2,000 Dining Credit
The Platinum Card® Dining Offer: Up to HK$2,000 Dining Credit

Valid until

31 December 2024

Things to consider for this product:

check

Travel insurance

check

Dining discount

check

Airport lounge

check

Travel agency offer

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What is the reward redemption status for the promotional campaigns?

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Thank you for using MoneyHero. If you are looking to check on your reward redemption status, then this is the right place. We have compiled our promotional campaigns and their respective rewards progress so that you can keep track of when you can expect yours. 

Please click on the campaign that you participated in, and you will find the corresponding redemption status. Campaigns are sorted chronologically, be sure to match the correct financial institution, reward, and period of the campaign.

How many types of credit cards in Hong Kong? How should I choose my credit cards?

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The main types of credit cards in Hong Kong are VISA and MasterCard, followed by American Express and JCB.

In order to choose the best credit card, you can consider the popularity and offers of the card types, and also the reputation of banks, class of the credit cards, etc. Many people own several credit cards to meet different needs nowadays. Also, you can consider your spending habits and choose Cash Back Credit CardsAirmiles Credit CardsDining Credit CardsOnline Shopping Credit CardsPremium Credit CardsCorporate Credit CardsEntry Level / Student Credit CardsUnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

Choosing the Best Credit Card Deals in Hong Kong

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That shiny piece of plastic in your wallet is more than just a status symbol. Whether you are shopping at the mall, over the internet or during your holiday in Europe, nothing beats the convenience of swiping your card on the spot and paying for your purchases later. And they aren't good for just shopping sprees either; you can also pay your bills, beef up your credit rating, or save on airfares for your next trip halfway around the world.

Choosing the right card is vital, but what if you don't have the time to sift through countless offers from a long list of banks. This is where we come in: our online comparison tool helps you single out the cards with the perfect combination of good terms, affordable interest rates, and extra perks.

How Our Best Deals Work?

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All of the cards in our Best Deals are up there for a reason. Favoured by a steady percentage of our online users, these are the cards with consistent rates, irresistible rewards, and other unique features that make them stand out from the competition.

Tons of cards on the market come with all kinds of features, complicating your search for the right one. We understand that a good card must go beyond the basics and let you do more than just shopping. For this reason, we help you compare and find cards with the best welcome gifts, cashback, miles and other rewards from a selection of financial institutions including Bank of China (Hong Kong) and Hang Seng Bank. Our top choices also come with exclusive offers and rewards you won't find anywhere else.

Find a Deal No Matter Where You Are

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At MoneyHero, we take your financial security very seriously. We know better than anyone that there is a product out there for every niche, be it air miles or rewards points. The wrong card can make or break your financial situation, costing you thousands of dollars in the long run. That's why we've made it our job to match you with the right card for your needs.

Time is money, and we can save you hours of web browsing by reviewing a variety of products from the comfort of your mobile. You can view our most popular cards at a glance, each chosen for their combination of rates and benefits ideal for the average cardholder's budget. All of our picks come from Hong Kong's most trusted banks, along with globally-renowned brands and of course, only the best credit card deals.

What are the common credit card rewards?

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Credit card rewards come in many forms, the two major incentives are air miles and cash back. Many card issuers have different credit card rewards programs, cardholders can earn reward points for their spending and redeem the points for cash backair milesgift vouchers or free gifts.

Certain banks promote cash back rewards which their credit cards can earn, cardholders can enjoy 1-4% cash rebate for eligible local / overseas spending or shopping online.

If you travel and use your credit card to book flights and hotels frequently, you can earn more air miles using air mile credit cards. You may redeem miles for award flights, hotel stays and other travel offers.

In addition to daily spending, you may also earn rewards by using the Octopus Automatic Add-value Service and paying utilities, tax, tuition and insurance bills with your credit card and redeem reward points, cash back and air miles.

Do credit cards offer other forms of benefits in addition to cash back and air miles?

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Many credit cards bring discounts and cash rebate for online shopping, dining offers and even privileges like airport lounge access and concierge service in addition to cash back and air miles. For example, DBS Eminent Card and Citibank Citi Clear Card offer cash rebate of 2-6% for online spending. Regarding dining benefits, numerous credit cards offer attractive cash back and air miles redemption deals for dining spending, so that cardholders can earn more rewards by eating out. Premium credit cards with exclusive privileges, which offer airport lounges access worldwide, airport limousine transfer service and other concierge services, have a minimum income requirement.

How to earn cashback?

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Some Cashback Credit Cards providers require you to spend a minimum amount before you can start earning rewards. Providers may also limit the amount of Cashback rewards you can earn, while others implement caps on how much you can spend for certain categories. It's also common for providers to set an increase in cashback return rates for certain categories within a specified period which are worth taking advantage of.

The best way to maximize cashback points is to choose a card that lets you earn rewards that matter to you. If you're serious about pursuing cashback rewards, you must make sure to fully understand the terms and conditions of your selected credit card. Terms are always subject to change, so it's important to always stay educated on these.

Can I apply for more than one credit card?

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Yes, but do not send out your applications all at once. Credit card providers can have access to information about your existing credit card applications as part of your credit profile. Having too many active applications at the same time will make you look too 'desperate' and lessen your chances of being approved.

How long does it take for my application to get approved?

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The period varies from bank to bank but after you submit your application, it would usually take a few days to process. If you are approved for credit, it usually takes 7 to 10 working days for you to get your credit card. To ensure that there are no further delays, fill out the application form correctly and submit all required documents.

What are the fees and charges applicable on credit cards?

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The annual fee depends on the bank and the type of credit card. One- to three-year annual fee waiver is usually offered to attract users, and cardholders get their fee waived if they can meet the minimum spending. Some card issuers even advertise credit cards with no annual fee. You can request annual fee waiver by calling the card issuer's hotline. Furthermore, many banks charge an early termination fee of more than HK$100; other common fees and charges include replacement fee, late charge, over-limit fee, cash advance fee and foreign transaction fee. In addition to credit card welcome offers, you should also check with your provider to see the fees and charges of your credit card.

Why should I apply for credit cards through MoneyHero?

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MoneyHero lists out the most up-to-date information on credit card products in Hong Kong. We also provide apply links that allow you to apply for a credit card directly. Our top choices also come with exclusive offers and rewards you won't find anywhere else.

Do existing customers enjoy the Welcome Offers offered by MoneyHero?

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For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer from banks or institutions, various terms and conditions apply, subject to different banks and institutions. You may refer to the following:

American Express 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS 
Current and new customers are eligible for welcome offer. New customers refer to card holders who have not held or cancelled Citibank credit cards in the past 12 months. For more details of welcome offer, please click here.

PrimeCredit 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC 
Current and new customers are eligible for welcome offer. For more details of welcome offer, please click here

BEA 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled BEA credit cards in the past 6 months.

How to prevent credit card fraud?

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To protect yourself from credit card fraud, you should keep your credit card and personal information (including credit card numbers and security code) safe and never disclose your passwords or personal information to anyone. You should also keep record of all credit card transactions and check bank statements regularly. Report any suspicious transactions to your financial institution or bank immediately to avoid financial loss.

How to prevent credit card fraud?

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To protect yourself from credit card fraud, you should keep your credit card and personal information (including credit card numbers and security code) safe and never disclose your passwords or personal information to anyone. You should also keep record of all credit card transactions and check bank statements regularly. Report any suspicious transactions to your financial institution or bank immediately to avoid financial loss.

Confused about credit card terms?

Glossary terms to know for first-time credit card users 

Air milesCashbackCredit scoreMinimum paymentAnnual feeReward Redemption Status (Promotional Campaigns)