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MoneyHero.com.hk is your go-to website for comparing credit cards, personal loans, mortgage, insurance and other products. Use our powerful comparison tool to get unbiased, up-to-date information on personal finance products.

Get the best credit card deals in Hong Kong

We are committed to helping you save money by comparing and finding the cards with best rates, deals and rewards in the market.

Compare Credit Cards in Hong Kong

MoneyHero.com.hk checks thousands of credit card deals daily to uncover exclusive offers from Hong Kong's top providers and enables you to directly apply for them online. Using our comparison portal, you can find the best credit cards in Hong Kong with the perfect combination of affordable interest rates, perks, and promos.

Choosing a credit card is a decision that should not be done in haste. As a consumer, you should carefully study all options available to find the one that is most suitable for your needs and lifestyle. With Hong Kong banks offering so many different types of credit cards, consumers just end up choosing from a select few most of the time.

You might be missing out on a far better deal because you stopped digging deeper. MoneyHero.com.hk helps consumers like you are keep up to date on all crucial information, empowering you to make an informed choice when shopping for a credit card and other financial products. Not only do you save time searching, but we also help you save money as well.

Credit cards come in handy when you need to make an important but rather large purchase and don’t have the money on hand, or when you shop online where most merchants don’t allow you to pay later in cash. Credit Cards can also help you out in emergency situations and are accepted almost anywhere in the world. They are also great for earning points and rewards, which gives you access to discounts, privileges, air miles, and special offers!

Furthermore, probably one of the biggest benefits of having a credit card is helping the holder build a credit history. If you pay your bills on time, you improve your credit score and are more likely to be approved for loans in the future.

Benefits of credit cards:

  • Accepted payment method worldwide
  • Secured payments
  • Cashback on your purchases
  • Online banking and ATM facility
  • Balance transfer
  • Cash advance
  • Privileges and cashbacks
  • Supplementary cards
  • Shopping and dining discounts

Some basic requirements include the following:

  • You have to be of legal age
  • You have to be a resident or citizen of Hong Kong
  • You have to meet minimum income requirements
  • You need to have stable employment (some banks look at your employment tenure)
  • You have to provide identification, proof of income, and other required documents

When banks approve your application, they are extending you a personal line of credit, which would be subject to a limit. The credit limit would be determined by the bank upon assessing your application. The exact categories by which banks approve or reject credit card applications is confidential in nature but a good credit rating is more likely to get you approved.

Other banks have more stringent requirements than others. Some banks in Hong Kong may accept proof of car/ home ownership in lieu of a proof of income document, although the Hong Kong Monetary Authority (HKMA) doesn’t encourage this practice.

To know more about the application process in Hong Kong, refer to our main guide on credit cards. If you have further questions, try our credit card FAQs page. You may also refer to our credit cards Glossary to help you better understand some technical terms.

There’s no longer a need for you to call banks one by one and ask them about their credit card offers—because we’ve already done that for you. We even go through all the fine print in the providers’ terms and conditions in order to show you everything you need to know about the specific credit cards, in the simplest language possible.

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