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Compare All Credit Cards in Hong Kong 2024

Through a thorough comparison between these cards, you can effectively choose the right credit card that manages your finances and earns you attractive benefits in Hong Kong, such as cash back, air miles, and exclusive promotions. Apply now with MoneyHero to start enjoying these generous benefits!
Exclusive Offer Best offer in town 2% Unlimited Cash Rebate
Citi Cash Back Card

Citi Cash Back Card

Cashback Dining
2  %
info
Cashback Overseas
2  %
info
Cashback Local
2  %
info
Annual Fee Waiver
First year

2 Offers Available

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. Limited to 500, first come first serve)
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. Limited to 500, first come first serve)

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

MoneyHero Exclusive Offer
HK$1,600 Apple Store Gift Card
HK$1,600 Apple Store Gift Card

+ 3 other gift options

Valid until

02 December 2024

Things to consider for this product:

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Dining rebate

check

Overseas rebate

check

Unlimited rebate

check

High-priced welcome gifts

Exclusive Offer No cross border fee
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

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

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

Welcome Offer
HK$800 CashBack
HK$800 CashBack

+ 1 other gift options

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

CNCBI Motion Credit Card

CNCBI Motion Credit Card

Cashback Local
0.5  %
info
Cashback Overseas
10  %
info
Cashback Overseas Online Shopping
6  %
info
Annual Fee Waiver
First year

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
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

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

10 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

10 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

10 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

10 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

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

BOC Chill Card

BOC Chill Card

Cashback Designated Local Spending
10  %
info
Cashback Local Online Shopping
5  %
info
Cashback Overseas
5  %
info
Annual Fee Waiver
Perpetual

3 Offers Available

MoneyHero Exclusive Welcome Gift
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)

+ 2 other gift options

Valid until

15 November 2024

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

+ 2 other gift options

Valid until

15 November 2024

Welcome Offer
HK$500 Cash Rebate
HK$500 Cash Rebate

Valid until

31 December 2024

Things to consider for this product:

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Oversea rebate

check

Online shopping rebate

check

Designated local spending rebate

check

No Annual Fee

Exclusive Offer
Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

Airmiles Dining
$ 4  per mile
info
Airmiles Hotel Booking
$ 4  per mile
info
Airmiles Overseas
$ 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)

Valid until

29 November 2024

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,800)
Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,800)

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 Enjoy 5X Points for all wallet transactions
Citi Rewards Card

Citi Rewards Card

Cashback Local
1.85  %
info
Cashback Overseas
0.4  %
Cashback Overseas Online Shopping
0.4  %
Annual Fee Waiver
First year

2 Offers Available

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. Limited to 500, first come first serve)
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. Limited to 500, first come first serve)

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

MoneyHero Exclusive Offer
HK$1,600 Apple Store Gift Card
HK$1,600 Apple Store Gift Card

+ 3 other gift options

Valid until

02 December 2024

Things to consider for this product:

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High-priced welcome gifts

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Mobile contactless rebate

check

Annual Fee waiver

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

4 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 Offer
《sim Credit Card presents  Ultimate Song Chart Awards Presentation 2024》 (Quota: 650 cardholders)
《sim Credit Card presents Ultimate Song Chart Awards Presentation 2024》 (Quota: 650 cardholders)

Valid until

06 December 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

Limited CashBack Promotion - sim Credit Card Crazy Reward for Apple Fans Up to HK$1,600 Cash Rebate
Up to HK$1,600 Cash Rebate
Up to HK$1,600 Cash Rebate

Valid until

30 November 2024

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
Airmiles Local
$ 8  per mile

2 Offers Available

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. Limited to 500, first come first serve)
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. Limited to 500, first come first serve)

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

MoneyHero Exclusive Offer
HK$1,600 Apple Store Gift Card
HK$1,600 Apple Store Gift Card

+ 3 other gift options

Valid until

02 December 2024

Things to consider for this product:

check

High-priced welcome gifts

check

Airport lounge

check

Travel insurance

check

Purchase protection

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

Hang Seng enJoy Card

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

5 Offers Available

MoneyHero Exclusive Welcome Gift (New to Bank Customer)
New Credit Card Customer : Delsey Eclipse SE 27
New Credit Card Customer : Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,680; random color)

+ 3 other gift options

Valid until

15 November 2024

MoneyHero Exclusive Welcome Voucher (New to Bank Customer)
New to Card Customer:HK$800 Apple Store Gift Card
New to Card Customer:HK$800 Apple Store Gift Card

+ 2 other gift options

Valid until

15 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

15 November 2024

MoneyHero Exclusive Voucher (Existing Customer)
Existing Credit Card Customer : HK$600 Apple Store Gift Card
Existing Credit Card Customer : HK$600 Apple Store Gift Card

+ 2 other gift options

Valid until

15 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

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Dining rebate

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Supermarket rebate

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No Annual Fee

CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

Cashback Local
4  %
info
Cashback Overseas
10  %
info
Cashback Overseas Online Shopping
10  %
info
Annual Fee Waiver
First year

3 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
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

Things to consider for this product:

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Overseas rebate

check

Airport lounge

check

Welcome offer: Rebate

check

No foreign txn fee

DBS Eminent Visa Platinum Card

DBS Eminent Visa Platinum Card

Cashback Overseas
2  %
info
Cashback Local
5  %
info
Cashback Dining
5  %
info
Annual Fee Waiver
First 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

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

check

Annual Fee waiver

check

Dining discount

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

The Platinum Card®

The Platinum Card®

Airport Lounge Access
Unlimited Times
Airmiles Local
$ 7.5  per mile
info
Airmiles Overseas
$ 4.5  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:

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Travel insurance

check

Dining discount

check

Airport lounge

check

Travel agency offer

PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

Cashback Apple Pay
6  %
Cashback Local
4  %
info
Cashback Overseas
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:

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Travel agency offer

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Foreign txn rebate

check

Cinema ticketing

check

Installment

American Express Explorer® Credit Card

American Express Explorer® Credit Card

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

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

Limited Time Exclusive Offer Value Up to HK$1,499
Dah Sing ONE+ Credit Card

Dah Sing ONE+ Credit Card

Cashback Oversea
1  %
info
Cashback Local
1  %
info
Cashback Octopus Top Up Spending
0.5  %
info
Annual Fee
HK$ 1,800
info

2 Offers Available

MoneyHero Exclusive Welcome Voucher (choose 1 from 6)
Marshall Willen Wireless Portable Speaker (valued at HK$999)
Marshall Willen Wireless Portable Speaker (valued at HK$999)

+ 5 other gift options

Valid until

11 November 2024

Welcome Offer - HK$500 Cash Rebate
HK$500 Welcome Offer
HK$500 Welcome Offer

Valid until

31 December 2024

Things to consider for this product:

check

Overseas rebate

check

Online Spending

check

Local spending rebate

check

First 2 year annual fee waiver

Airwallex Borderless Card

Airwallex Borderless Card

Airmiles Local
Not Applicable
Foreign Currency Transaction Fee
0  %
Cashback Local
1  %
Min. Annual Income
No Requirement

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

29 November 2024

Up to 1.1% cash rebate
1.1% Cash Rebate
Up to 1.1% Cash Rebate

Valid until

31 December 2024

Things to consider for this product:

check

Welcome offer: Air miles

check

No foreign txn fee

check

No Annual Fee

HSBC EveryMile Credit Card

HSBC EveryMile Credit Card

Complimentary Travel Insurance
Yes
info
Airport Lounge Access
1  time
info
Airmiles Overseas
$ 5  per mile
Airmiles Local
$ 5  per mile

5 Offers Available

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

Valid until

02 January 2025

HSBC Welcome Offer
New credit card customers can receive $800 RewardCash
New credit card customers can receive $800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Extra $200 「RewardCash」 for 「Cash Cash Out」 in installments
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash

Valid until

28 February 2025

限時簽賬優惠
6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets
6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets

Valid until

31 December 2024

Limited-time Offer
Oversea spending low as HK$2 per mile
Oversea spending low as HK$2 per mile

Valid until

31 December 2024

Things to consider for this product:

check

Hotel bookings offer

check

Airport lounge

check

Travel agency offer

check

Travel insurance

PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

Cashback Local
2  %
info
Min. Annual Income
No Requirement
Annual Fee
HK$ 1,500
info
Annual Fee Waiver
First 2 years

2 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

Welcome Offer
OTO Vanda 2.0 (VN-05)
OTO Vanda 2.0 (VN-05)

+ 4 other gift options

Valid until

31 December 2024

Things to consider for this product:

check

Foreign txn rebate

check

Travel agency offer

check

Installment

check

No foreign txn fee

HSBC Red Credit Card

HSBC Red Credit Card

Annual Fee
Perpetual annual fee waiver
Cashback Overseas
1  %
info
Cashback Supermarket
2  %
info
Cashback Local Online Shopping
4  %
info

Offer Available

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:

check

Online shopping rebate

check

Overseas rebate

check

Annual fee waiver

check

Cinema ticketing

Standard Chartered Cathay Mastercard - Priority Banking

Standard Chartered Cathay Mastercard - Priority Banking

Airport Lounge Access
4  times
info
Airmiles Overseas
$ 3  per mile
info
Airmiles Hotel Booking
$ 4  per mile
info
Airmiles Dining
$ 4  per mile
info

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)

Valid until

29 November 2024

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,800)
Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,800)

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 80,000 Miles
80,000 miles
Up to 80,000 miles

Valid until

30 November 2024

Things to consider for this product:

check

Welcome offer: Air miles

check

Priority Pass

check

Airport lounge

check

Air miles conversion

Hang Seng Travel+ Visa Signature Card

Hang Seng Travel+ Visa Signature Card

Cashback Overseas
Up to 7  %
info
Local Cashback Transport
Up to 5  %
info
Cashback Dining
Up to 5  %
info
Annual Fee Waiver
Perpetual Annual Fee Waiver

2 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

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:

check

Overseas rebate

check

Public transportation

check

Dining rebate

check

Local spending rebate

Exclusive Offer
MUJI Visa Platinum Card

MUJI Visa Platinum Card

Cashback Local
5  %
Annual Fee Waiver
Perpetual
Foreign Currency Transaction Fee
1.95  %
Min. Annual Income
$ 150,000

Offer Available

Welcome Offer - Up to $400 MUJI Dollars
New to Card Customer:$400 MUJI Dollars
New to Card Customer:$400 MUJI Dollars

+ 1 other gift options

Valid until

31 December 2024

Things to consider for this product:

check

Local spending rebate

check

No Annual Fee

AEON CARD WAKUWAKU

AEON CARD WAKUWAKU

Cashback Local Online Shopping
6  %
info
Cashback Overseas
3  %
info
Cashback Dining
1  %
info
Foreign Currency Transaction Fee
$ 0
info

Offer Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

29 November 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Overseas rebate

check

Supermarket discount

check

No foreign txn fee

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Cashback Dining
2.4  %
info
Cashback Overseas
4.4  %
info
Cashback Overseas Online Shopping
4.4  %
info
Annual Fee Waiver
First 2 years

3 Offers Available

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

Valid until

02 January 2025

HSBC Welcome Offer
New credit card customers can receive $800 RewardCash
New credit card customers can receive $800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

HSBC Travel Guru Membership Program
Extra up to 6% of Foreign Currency Spending Cash Rebate
Extra up to 6% of Foreign Currency Spending Cash Rebate

Valid until

31 December 2024

Things to consider for this product:

check

Overseas rebate

check

Airport lounges access

check

Dining discount

check

Annual Fee waiver

AEON Card JAL MasterCard

AEON Card JAL MasterCard

Airmiles Overseas
$ 6  per mile
info
Airmiles Local
HK$ 8  per mile
Minimum Annual Income
No Minimum

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

29 November 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Airport lounge

check

Supermarket discount

check

No foreign txn fee

Exclusive Offer Best offer in town Dual Currency
Citi Rewards UnionPay Card

Citi Rewards UnionPay Card

Cashback Local
1.85  %
Cashback Overseas
0.37  %
info
Cashback Local Online Shopping
0.4  %
Annual Fee Waiver
First year waiver

2 Offers Available

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. Limited to 500, first come first serve)
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. Limited to 500, first come first serve)

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

MoneyHero Exclusive Offer
HK$1,600 Apple Store Gift Card
HK$1,600 Apple Store Gift Card

+ 3 other gift options

Valid until

02 December 2024

Things to consider for this product:

check

High value welcome gifts

check

Airport lounge

check

Travel insurance

check

Mobile contactless rebate

Standard Chartered Cathay Mastercard - Priority Private

Standard Chartered Cathay Mastercard - Priority Private

Airport Lounge Access
10  times
info
Airmiles Overseas
$ 2  per mile
info
Airmiles Dining
$ 4  per mile
info
Airmiles Hotel Booking
$ 4  per mile
info

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)

Valid until

29 November 2024

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,800)
Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,800)

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

AEON SPCA Mastercard (Puppy)

AEON SPCA Mastercard (Puppy)

Minimum Annual Income
No Minimum
Minimum Age
18  years old
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

29 November 2024

Things to consider for this product:

check

Local spending rebate

check

Online shopping rebate

check

Overseas rebate

check

Annual Fee waiver

American Express® Gold Business Card

American Express® Gold Business Card

Airport Lounge Access
2  times
Airmiles Overseas
As low as $ 6  per mile
Min. Annual Income
HK$ 200,000
Annual Fee
$ 980

3 Offers Available

Welcome Offer
Enjoy enhanced welcome offer of up to HK$2,900! Spend HK$1,000 to earn HK$1,000 statement credit.
Enjoy enhanced welcome offer of up to HK$2,900! Spend HK$1,000 to earn HK$1,000 statement credit.

Valid until

30 November 2024

Wellcome Offer
The Executive Centre 1-day access pass (3 per calendar year)
The Executive Centre 1-day access pass (3 per calendar year)

Valid until

31 December 2024

Wellcome Offer
20% off on standard rates for Meeting Room and Event Space bookings at The Executive Centre
20% off on standard rates for Meeting Room and Event Space bookings at The Executive Centre

Valid until

31 December 2024

Things to consider for this product:

check

Travel insurance

check

Local spending rebate

check

Travel agency offer

check

Airport lounge

AEON Visa Credit Card

AEON Visa Credit Card

Cashback Department Store
5  %
info
Foreign Currency Transaction Fee
0  %
info
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

29 November 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Local spending rebate

check

Overseas rebate

check

No foreign txn fee

AEON UnionPay Credit Card

AEON UnionPay Credit Card

Cashback Department Store
5  %
info
Foreign Currency Transaction Fee
0  %
info
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

29 November 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Local spending rebate

check

Overseas rebate

check

No foreign txn fee

DBS COMPASS VISA

DBS COMPASS VISA

Airmiles Local Online Shopping
$ 3.33  per mile
info
Cashback Overseas
0.4  %
info
Cashback Local
1  %
info
Cashback Supermarket
10  %
info

2 Offers Available

MoneyHero Exclusive Offer
HK$200 Apple Store Gift Card
HK$200 Apple Store Gift Card

+ 1 other gift options

Valid until

29 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

Things to consider for this product:

check

Supermarket rebate

check

Online shopping rebate

check

Local spending rebate

check

Annual Fee waiver

Blue Cash® Credit Card from American Express

Blue Cash® Credit Card from American Express

Cashback Local Online Shopping
1.2  %
info
Annual Fee Waiver
First Year
Cashback Overseas
1.2  %
info
Cashback Local
1.2  %
info

Offer Available

Welcome Offer
Up to HK$600 and first-year annual fee waiver
Up to HK$600 and first-year annual fee waiver

Valid until

30 November 2024

Things to consider for this product:

check

No rebate cap

check

Online shopping rebate

check

Purchase protection

check

Cinema ticketing

AEON SPCA Mastercard (Kitten)

AEON SPCA Mastercard (Kitten)

Minimum Annual Income
No Minimum
Minimum Age
18  years old
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

29 November 2024

Things to consider for this product:

check

Local spending rebate

check

Online shopping rebate

check

Overseas rebate

check

Annual Fee waiver

DBS Live Fresh Card

DBS Live Fresh Card

Annual Fee Waiver
First year
Cashback Local
5.4  %
info
Cashback Overseas
0.4  %
Cashback Overseas Online Shopping
6  %

2 Offers Available

MoneyHero Exclusive Offer
HK$200 Apple Store Gift Card
HK$200 Apple Store Gift Card

+ 1 other gift options

Valid until

29 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

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Local spending rebate

check

Annual Fee waiver

DBS Eminent Visa Signature Card

DBS Eminent Visa Signature Card

Cashback Overseas
2  %
info
Cashback Local
5  %
info
Cashback Dining
5  %
info
Annual Fee Waiver
First 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

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:

check

Dining rebate

check

Online shopping rebate

check

Annual Fee waiver

check

Dining discount

HSBC Visa Signature Card

HSBC Visa Signature Card

Cashback Dining
3.6  %
info
Cashback Local
3.6  %
info
Cashback Overseas
3.6  %
info
Annual Fee Waiver
First 2 years

3 Offers Available

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

Valid until

02 January 2025

HSBC Welcome Offer
New credit card customers can receive $800 RewardCash
New credit card customers can receive $800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Extra $200 「RewardCash」 for 「Cash Cash Out」 in installments
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash

Valid until

28 February 2025

Things to consider for this product:

check

Overseas rebate

check

Dining rebate

check

Cinema ticketing

check

Dining discount

Citi The Club Credit Card

Citi The Club Credit Card

Cashback Online Food Delivery
4  %
info
Cashback Dining
4  %
info
Cashback Local Online Shopping
4  %
info
Annual Fee
Perpetual Annual Fee Waiver

Things to consider for this product:

check

Travel insurance

check

Dining rebate

check

Food delivery

check

Concert ticketing

HSBC UnionPay Dual Currency Card

HSBC UnionPay Dual Currency Card

Airmiles Local
$ 4.17  per mile
info
Airmiles Overseas
$ 2.27  per mile
info
Cashback Local
2.4  %
info
Cashback Overseas
4.4  %
info

2 Offers Available

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

Valid until

02 January 2025

HSBC Welcome Offer
New credit card customers can receive $800 RewardCash
New credit card customers can receive $800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Things to consider for this product:

check

Overseas rebate

check

Dining discount

check

Airport lounge

check

Mobile contactless rebate

HSBC Visa Gold Card for Students

HSBC Visa Gold Card for Students

Cashback Overseas Online Shopping
2.4  %
info
Cashback Overseas
2.4  %
info
Cashback Local
2.4  %
info
Min. Annual Income
No Requirement

Offer Available

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:

check

Student card

check

Annual Fee waiver

check

Local spending rebate

check

Cinema ticketing

HSBC Visa Gold Card

HSBC Visa Gold Card

Cashback Dining
2.4  %
info
Cashback Overseas
2.4  %
info
Cashback Local
2.4  %
info
Min. Annual Income
HK$ 60,000

3 Offers Available

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

Valid until

02 January 2025

HSBC Welcome Offer
New credit card customers can receive $800 RewardCash
New credit card customers can receive $800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Extra $200 「RewardCash」 for 「Cash Cash Out」 in installments
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash

Valid until

28 February 2025

Things to consider for this product:

check

Annual Fee waiver

check

Local spending rebate

check

Travel agency offer

check

Overseas rebate

HSBC Visa Platinum Card

HSBC Visa Platinum Card

Cashback Dining
2.4  %
info
Cashback Local
2.4  %
info
Cashback Supermarket
2.4  %
Annual Fee Waiver
First 2 years

3 Offers Available

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

Valid until

02 January 2025

HSBC Welcome Offer
New credit card customers can receive $800 RewardCash
New credit card customers can receive $800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Extra $200 「RewardCash」 for 「Cash Cash Out」 in installments
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash
Apply for the Cash Out installment offer to receive an additional $200 in RewardCash

Valid until

28 February 2025

Things to consider for this product:

check

Annual Fee waiver

check

Local spending rebate

check

Supermarket rebate

check

Overseas rebate

American Express® Platinum Credit Card

American Express® Platinum Credit Card

Airmiles Dining
$ 5  per mile
info
Annual Fee
HK$ 2,200
Airmiles Local
$ 2.5  per mile
info
Cashback Local
2  %
info

2 Offers Available

MoneyHero Exclusive Offer
Up to HK$2,960 Rewards
Up to HK$2,960 Rewards

Valid until

30 November 2024

MoneyHero 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

30 November 2024

Things to consider for this product:

check

Dining discount

check

Cinema ticketing

check

Travel insurance

check

Hotel bookings offer

PrimeCredit WeWa UnionPay Card for University Student

PrimeCredit WeWa UnionPay Card for University Student

Cashback Apple Pay
6  %
Cashback Local
4  %
info
Cashback Overseas
4  %
info
Annual Fee Waiver
First 5 years

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

PrimeCredit EarnMORE UnionPay Card for University Student

PrimeCredit EarnMORE UnionPay Card for University Student

Cashback Local
2  %
info
Min. Annual Income
No Requirement
Annual Fee
HK$ 1,500
info
Annual Fee Waiver
First 5 years

2 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

Welcome Offer
OTO Vanda 2.0 (VN-05)
OTO Vanda 2.0 (VN-05)

+ 4 other gift options

Valid until

31 December 2024

Things to consider for this product:

check

Foreign txn rebate

check

Travel agency offer

check

Installment

check

No foreign txn fee

Fubon Visa Platinum

Fubon Visa Platinum

Airmiles Forex
Up to 0.75  per mile
Cashback Forex
Up to 8  %
Cashback Local Online Shopping
Up to 4  %
Interest on installment plans
0  %

Offer Available

Welcome Offer
Up to HK$1,060 Rewards
Up to HK$1,060 Rewards

Valid until

31 December 2024

Things to consider for this product:

check

Travel Insurance discount

check

Local spending rebate

check

Overseas rebate

check

Air miles conversion

Dah Sing United MileagePlus World MasterCard

Dah Sing United MileagePlus World MasterCard

Airmiles Local
HK$ 8  mile
Airmiles Overseas
HK$ 5  mile
info
Airport Lounge Access
1  per quarter
info
Annual Fee Waiver
First 2 years

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

29 November 2024

Welcome Offer
Up to 10,000 Miles
Up to 10,000 Miles

Valid until

31 December 2024

Things to consider for this product:

check

Mile Conversion

check

Miles Never Expire

check

Complimentary United Club Access

check

First 2 year annual fee waiver

Dah Sing British Airways Platinum Card

Dah Sing British Airways Platinum Card

Airmiles Local
$ 6  per mile
info
Airmiles Overseas
$ 4  per mile
info
Annual Fee Waiver
First 2 year

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

29 November 2024

Welcome Offer
Up to 20,000 Avios
Up to 20,000 Avios

Valid until

31 December 2024

Things to consider for this product:

check

Airmiles Local

check

Airmiles Overseas

check

First 2 year annual fee waiver

Dah Sing ANA World Mastercard

Dah Sing ANA World Mastercard

Airmiles Local
$ 8  per mile
info
Airmiles Overseas
$ 8  per mile
info
Annual Fee Waiver
First year

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

29 November 2024

Local & Overseas Spending HK$4 = 1 Mile
Local & Overseas Spending HK$4 = 1 Mile
Local & Overseas Spending HK$4 = 1 Mile

Valid until

28 February 2025

Things to consider for this product:

check

Overseas rebate

check

Online Spending

check

Local spending rebate

check

First year annual fee waiver

Dah Sing MyAuto Credit Card

Dah Sing MyAuto Credit Card

Local transportation cashback
8  %
info
Annual fee
$ 1,800
info
Minimum annual income
HK$ 150,000

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

29 November 2024

Welcome Offer
Autobot Vmini MAX2 Handheld Vacuum Cleaner (valued at HK$588)
Autobot Vmini MAX2 Handheld Vacuum Cleaner (valued at HK$588)

+ 1 other gift options

Valid until

31 December 2024

Things to consider for this product:

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First 2 year annual fee waiver

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Must have for car owners

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Local spending rebate

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One time Complimentary Tire Repair & Towing Service

sim World Mastercard®️

sim World Mastercard®️

Cashback Local
Up to 3  %
info
Cashback Local Online Shopping
Up to 8  %
info
Annual Fee
HK$ 1,800
info
Annual Fee Waiver
First year

4 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 Offer
《sim Credit Card presents  Ultimate Song Chart Awards Presentation 2024》 (Quota: 650 cardholders)
《sim Credit Card presents Ultimate Song Chart Awards Presentation 2024》 (Quota: 650 cardholders)

Valid until

06 December 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

Limited CashBack Promotion - sim Credit Card Crazy Reward for Apple Fans Up to HK$1,600 Cash Rebate
Up to HK$1,600 Cash Rebate
Up to HK$1,600 Cash Rebate

Valid until

30 November 2024

DBS Live Fresh Tertiary Student Card

DBS Live Fresh Tertiary Student Card

Cashback Local
5.4  %
info
Cashback Overseas
0.4  %
Cashback Overseas Online Shopping
6  %
Annual Fee Waiver
First year

2 Offers Available

MoneyHero Exclusive Offer
HK$200 Apple Store Gift Card
HK$200 Apple Store Gift Card

+ 1 other gift options

Valid until

29 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

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

check

Local spending rebate

check

Annual Fee waiver

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

check

Unlimited flight miles

check

Travel platform consumption discount

check

Welcome offer: AirMiles

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foreign currency transaction

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More Information About Credit Cards

 

What is a credit card?



A credit card is a cashless payment card that allows the cardholder to borrow funds for purchases at merchants and is accepted by the majority of retail outlets, restaurants, hotels, and various online merchants throughout the world. Cardholders must repay the borrowed money, sometimes including interest and charges, either in full by the billing date or over time. Interest is charged on the amount spent, and the borrowing limits are generally based on the cardholder's credit rating. 

 

 

What is a co-branded credit card?


 
Sponsored by two parties with both their logos featured in the card, a co-branded credit card is a card offered in partnership between a retailer or business and a credit card issuing organisation. These co-branded credit cards can be used wherever the associated credit card network, such as Visa,  Mastercard, JCB, Union Pay, or American Express, is accepted. 

 

To issue a co-branded credit card, the merchant or organisation generally partners with a licensed bank that provides the actual credit in Hong Kong. These cards may provide rewards on purchases made with the specific business, serving as incentives to encourage cardholders to become loyal customers. The benefits and perks usually include discounts, shopping points, free delivery, and advance notice of sales, similar to store-specific cards.

 

 

What is a credit card issuer?



A credit card issuer is a financial institution, such as a bank or credit union, that provides cards and credit limits to individuals and businesses, and enables cardholders to pay for goods and services. They act as intermediaries between credit card networks and cardholders, facilitating card issuance.

Credit card issuers not only issue cards but also manage cardholder accounts. This includes processing transactions, sending statements, and handling customer inquiries. 

MoneyHero has also partnered with Hong Kong's biggest and most trusted card issuers.

 

What are credit card networks?



Credit card networks facilitate transactions between merchants and card issuers, creating payment infrastructures and charging interchange fees. Networks determine card acceptance and may also offer partnerships in travel, transportation, dining, and entertainment, providing perks and benefits based on cardholder terms.

There are 5 major credit card networks in Hong Kong - Visa, Mastercard, American Express, UnionPay, and JCB. The banks which issue the credit cards often offer rewards programmes where cardholders can accumulate points, cash back, or air miles on card spending and points are often redeemable for various benefits. 

 

 

What To Consider When Applying For A Credit Card?


When choosing a credit card, it's important to consider your needs and preferences. Take into account factors such as card popularity, available offers, bank reputation, and card classification. Determine the purpose of the card, whether it's for online purchases, holiday expenses, or bill payments. One more factor to consider would be your spending habits. Choose the one that best fits your lifestyle among the curated lists of credit cards made by MoneyHero:

 

Cash Back Credit Cards

Air Miles Credit Cards

Welcome Offers Credit Cards.

Need some help?

No worries, we've got you covered!

What are the annual fees and charges applicable on credit cards?

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The annual fee, which generally ranges from HK$200 to HK$6,000, depends on the bank and the type of credit card.  Card issuers often offer a one- to three-year annual fee waiver to attract users, and cardholders get their fee waived if they can meet the minimum spend. Some card issuers even advertise credit cards with no annual fee, so please be sure to check the terms before you apply. You can also request an annual fee waiver by calling the card issuer's hotline. 

Other common fees and charges include replacement fees, late charges, over-limit fees, cash advance fees, and foreign transaction fees. In addition to credit card welcome offers, you should also check with your provider to see the fees and charges of your credit card.

Does applying for a credit card affect my credit rating?

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Yes. Applying for a credit card can temporarily impact your credit score due to hard inquiries and new credit, but the effect is usually minor and your score can quickly rebound with responsible credit management. Payment history is the most important factor in calculating your credit score, so making consistent timely payments can help you build a positive credit history.

To minimise the impact on your credit rating, consider applying for cards that you're likely to be approved for and compare interest rates. Additionally, maintaining a low credit utilisation ratio can help mitigate any negative effects on your credit.

Download the MoneyHero App to access your free credit score and report provided by TransUnion.

 

What specific credit card benefits can I enjoy when applying for a credit card? How can these conditions be met?

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The specific credit card benefits you can enjoy vary greatly depending on the card you choose. However, certain credit cards may offer exclusive discounts or rewards for specific purchases or activities. Many credit cards offer benefits, such as cash back, air miles, discounts, cash rebates for online shopping, dining offers, and even privileges like airport lounge access and concierge services with a successful application.

Conditions of these discounts and promotions can, again, vary from card to card. Therefore, you should carefully read the terms and conditions of your credit card to check your eligibility. For instance, some promotions may require spending a particular amount within a specific time frame to be eligible for the discount or special offer. Certain promotions may only be available if you are a new customer or have not held a particular credit card in the past 12 months.

What do I need to be eligible for a credit card?

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Most Hong Kong credit card providers require applicants to be of legal age and a resident of Hong Kong.

You may also need to have stable income and meet minimum salary requirements, which vary according to the type of credit card. Some credit cards allow applicants to qualify for a credit card as long as they have proof of a certain amount of assets. Some credit cards may waive the income requirement for student applicants.

How does a bank determine my credit limit?

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Banks look at your credit score and income to determine the maximum credit amount they would extend to you. If your application is approved, the credit limit a bank gives you may be lower or higher than what you indicated in your application. If your credit score is satisfactory, banks may give you the maximum credit limit. If you think your limit is too high, you can talk to your provider and ask them to reduce it. Know more about credit score by reading our credit card application guide.

What will be the consequences if you exceed the credit limit on your credit card?

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There are a number of consequences that may happen if the credit card limit is exceeded, which include declined transactions, over-limit fees, increased interest rates, credit limit reduction, credit score drop, and account closure. It is important that you maintain a low credit utilisation rate to avoid going over the credit limit.

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 to find the right financial products for you?

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MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products for you. Through our comparison engine, you can compare credit cardspersonal loansmortgagesmedical insurancetravel insuranceHK stock accountsUS stock accountspayroll accounts and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.

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

DBS 
Current and new customers are eligible for welcome offers. 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 offers, please click here.

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

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

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

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

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.

How long does it take to process my credit card application?

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Banks in Hong Kong such as HSBCHang Seng Bank and Standard Chartered Bank issue different types of credit cards with generous rewards and their eligibility requirements are also different. Hence, the processing time varies depending on the card issuer, but as soon as your application has been approved, it normally takes 7 to 10 working days until you receive your card. Make sure that you submit all the relevant documents so that your application can be processed as quickly as possible.

Can I apply for a credit card if I am self-employed or unemployed?

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The requirements to get different credit cards may vary and some may even have a minimum income requirement. Of course, applicants with a proper job or have income proof are more likely to be successful with their application, but it does not mean that a self-employed or unemployed person will not able to apply for a credit card.

How to pay my credit card bills?

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There are many ways to pay credit card bills, the easiest way is to apply for the bank?s autopay service, which will automatically deduct the monthly payment from the bank account on the due date, so that you won't overlook the payment. Other methods that cardholders can choose to pay the bills include PPS, ATM, e-banking, cheque or convenience stores.

How do I qualify for a credit card account?

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Most Hong Kong credit card providers require applicants to be of legal age and a permanent resident/citizen of Hong Kong.

You would also need to have stable employment and meet minimum salary requirements, which vary according to the type of credit card.

How many credit cards should I own?

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In the past, most people think we should not own too many credit cards, as it might lead to over-consumption or missing payment. With the development of modern society and more credit card offers, many of us own several credit cards for various purposes, such as one for overseas spending, one for earning Asia Miles, and the other one for monthly instalments.

Please note that if you always pay your credit card bill after the due date while owning many credit cards, your credit score could drop, which is likely to affect your credit card, mortgage and loan application.

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.

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.

Can I make only the minimum payment on my credit card?

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Making only the minimum payment is not the best way to pay the bills! If you just make the minimum payment on the credit card, the bank would charge you compound interest, which means you might owe more and more money and carry long-term debt. Cardholders are recommended to assess their repayment ability before using their credit cards, and pay off all outstanding debt as soon as possible.

Confused about credit card terms?

Glossary terms to know for first-time credit card users 

Air milesCashbackCredit scoreMinimum paymentAnnual feeReward Redemption Status (Promotional Campaigns)