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Compare the best Credit Cards deals now

We check thousands of prices daily. You can check credit card interest rates and perks to choose the best credit card option for your needs. Enjoy exclusive offers from Hong Kong providers by finding credit card promos and directly applying online for limited offers. Find the best credit card in Hong Kong with the perfect combination of interest rates, perks, and promos all in one place: MoneyHero.

At MoneyHero, we help you save money, time, and effort — for the things that truly matter.

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MoneyHero.com.hk ("we") doesn't provide any financial or professional advice. We only provide a free and impartial price comparison service. We are neither liable nor responsible for any inaccurate information that may be viewed on this website. In case of any discrepancy between the information provided by MoneyHero.com.hk and relevant information provided by banks, card issuers or card providers ("partner institutions"), the information provided by the partner institutions shall prevail. Please read carefully our terms and conditions and privacy policy for more information.

Compare Credit Cards in Hong Kong

Applying for your first credit card? Not satisfied with your current one and wish to switch to another card? If you are unsure which among the many credit card providers in Hong Kong have the product that could meet your needs, simply compare all credit cards using MoneyHero! We are your one-stop resource for making important financial decisions. Find updated information on annual fees, interest rates, and more with just a few clicks! Try our comparison tool and find the right credit card for you.

Credit Cards in Hongkong

Choosing a credit card is a decision that for obvious reasons 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 looking at and 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 is here so consumers like you are kept up to date on all crucial credit card information , empowering you to make the best choice in credit cards and other financial products. Not only do you save time searching, we help you save money as well.

Refer to our general guide for more in-depth information about credit cards in Hong Kong.

Why Get a Credit Card

Credit cards come in handy for some situations such as when you need to make an important but rather large purchase, and are not of the capacity to do so at the given moment. They are financial instruments that can help you out in emergency situations and are accepted almost anywhere.

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

More Credit Card Benefits

  • 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

Apply for a Credit Card

When banks approve your credit card 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 for a credit card.

Some basic requirements you need to meet when applying for a credit card also 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 require documents

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 Hong Kong Monetary Authority (HKMA) [http://www.hkma.gov.hk] does not encourage this practice.

To know more about the process of credit card applications in Hong Kong, refer to our main credit cards guide. 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.

MoneyHero Credit Card Comparison

Get the latest and the most up-to-date information on all credit cards in Hong Kong with the help of MoneyHero. Find the best interest rates on your credit card and start earning rewards.

There is no longer a need for you to call banks one by one and ask them about their credit card offers – because we have already done that for you! We even go through all the fine print in order to bring you everything you need to know about credit cards, in the simplest language possible.

See for yourself how MoneyHero can get you big savings. Try our comparison tool today!

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