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Compare the Best UnionPay Credit Cards in Hong Kong 2023

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PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

MoneyHero Exclusive OfferFeatured Product
PrimeCredit EarnMORE UnionPay Diamond Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
[Till 31 Jan 2024] Enjoy HK$200 Cash Rebate + HK$300 HKTVmall Coupon/ Wellcome Shopping Voucher exclusively from MoneyHero; Plus OTO Vanda 2.0 (VN-05) / German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC)/ HK$500 Cash Rebate/ up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program as welcome offer; university students can choose HK$200 Cash Rebate as welcome offer
Enjoy 2% direct cash rebate; 3-month interest-free credit card transaction instalment plan
Enjoy 2% direct cash rebate; 3-month interest-free credit card transaction instalment plan
HSBC Pulse UnionPay Dual Currency Diamond Credit Card

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Latest Offer
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
1%
Foreign Currency Transaction Fee
Latest Offer:
[Till 24 February 2024] Enjoy up to $2,200 RewardCash as welcome offer upon successful online application

Red Hot Winter Spending Rewards

From 30 November 2023 to 24 February 2024, paying with an HSBC credit card for any local or overseas transactions can earn up to an extra $1,300 RewardCash.

Up to 4.4% RewardCash rebate for spending in Mainland China and Macau (equivalent to HK$2.3 per air mile)
First 2 years annual fee waiver
Up to 4.4% RewardCash rebate for spending in Mainland China and Macau (equivalent to HK$2.3 per air mile)
First 2 years annual fee waiver
HSBC UnionPay Dual Currency Card

HSBC UnionPay Dual Currency Card

Latest Offer
HSBC UnionPay Dual Currency Card
1%
Foreign Currency Transaction Fee
Latest Offer:
[Till 24 February 2024] Enjoy up to $2,200 RewardCash as welcome offer upon successful online application

Red Hot Winter Spending Rewards

From 30 November 2023 to 24 February 2024, paying with an HSBC credit card for any local or overseas transactions can earn up to an extra $1,300 RewardCash.

First 2 years annual fee waiver
First 2 years annual fee waiver
BOC Dual Currency Diamond Card

BOC Dual Currency Diamond Card

BOC Dual Currency Diamond Card
No Fee
Foreign Currency Transaction Fee
4% Cash Rebate for spending via BoC Pay or other mobile payment
Suitable for cross-border shoppers
4% Cash Rebate for spending via BoC Pay or other mobile payment
Suitable for cross-border shoppers
PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

MoneyHero Exclusive Offer
PrimeCredit WeWa UnionPay Diamond Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
[Till 31 Jan 2024] Enjoy HK$200 Cash Rebate + HK$300 HKTVmall Coupon/ Wellcome Shopping Voucher exclusively from MoneyHero; Plus Sony Truly Wireless Headphones LinkBuds S (WF-LS900N) / Samsung Galaxy Watch4 40mm Bluetooth (SM-R860) / B&O Beosound Explore Bluetooth Speaker / HK$500 Cash Rebate/ up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program as welcome offer; university students can choose HK$200 Cash Rebate as welcome offer
4% Cash rebate on Travel (including airlines, hotels, online travel agencies and travel agencies), Cinema, Karaoke, Theme park spending
4% Cash rebate on Travel (including airlines, hotels, online travel agencies and travel agencies), Cinema, Karaoke, Theme park spending
CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

MoneyHero Exclusive Offer
CNCBI GBA Dual Currency Credit Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
[⚡️Reward Upgrade - Limited Time: Up to HK$4,280 Rewards! Till 31 January 2024] Receive Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280; random color) / Marshall Stanmore II Bluetooth Speaker (valued at HK$3,499; random color) / B&O Beoplay H8i On-Ear Headphones (valued at HK$2,698, random colour) / Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) / HK$1,000 Apple Gift Card or HKTVmall e-Voucher. EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!
Welcome Offers at Your Choice: 10% Cash Rebate on overseas spending in the first 3 months and a maximum of HK$1,000 Cash Rebate is entitled within the Spending Period or Enjoy HK$700 Cash Rebate upon spending over HK$8,000 or above in the first 2 months
Handling Fee Waiver for Overseas Spending
Welcome Offers at Your Choice: 10% Cash Rebate on overseas spending in the first 3 months and a maximum of HK$1,000 Cash Rebate is entitled within the Spending Period or Enjoy HK$700 Cash Rebate upon spending over HK$8,000 or above in the first 2 months
Handling Fee Waiver for Overseas Spending
AEON UnionPay Credit Card

AEON UnionPay Credit Card

AEON UnionPay Credit Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
Perpetual Annual Fee Waiver
Please turn off AdBlocker and private mode before application.
Perpetual Annual Fee Waiver
Please turn off AdBlocker and private mode before application.
CCB (Asia) Octopus Auto Living UnionPay Diamond Card

CCB (Asia) Octopus Auto Living UnionPay Diamond Card

MoneyHero Exclusive Offer
CCB (Asia) Octopus Auto Living UnionPay Diamond Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
0.4%
Overseas Spending - Cashback Rate
MoneyHero Exclusive Offer:
[Till 31 Jan 6 p.m.] Receive Sudio F2 Portable Speaker (valued at HK$699; Random Color) / HK$300 Apple Store Gift Card OR Wellcome Shopping Voucher when you successfully apply via MoneyHero with no spending requirement. Plus HK$800 CashBack as welcome gift. Total value at up to HK$1,499
Best for car owners
Perpetual annual fee waiver
Best for car owners
Perpetual annual fee waiver

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Need some help?
No worries, we've got you covered!
How many types of credit cards in Hong Kong? How should I choose my credit cards?

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 Cards, Airmiles Credit Cards, Dining Credit Cards, Online Shopping Credit Cards, Premium Credit Cards, Corporate Credit Cards, Entry Level / Student Credit Cards, UnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

What are the class levels of UnionPay credit cards?

UnionPay credit cards issued in Hong Kong can be classified into 4 levels: classic card, gold card, platinum card and diamond card, while diamond card is the most premium one.

Cardholders of UnionPay Diamond Card can enjoy free access to Plaza Premium lounge up to 3 times a year and other exclusive offers, such as hotel dining discounts and movie ticket buy 1 get 1 free. Applicants with a minimum annual salary of HK$150,000 are able to apply.

What are the advantages of using a UnionPay credit card?

The main advantage of UnionPay credit cards is “0% foreign currency transaction fee” (other credit cards usually charge around 2%), which allows cardholders to shop oversea without extra cost.

Besides, UnionPay also issues "dual currency credit cards" that can separate HKD and CNY transactions by offering two accounts in one card so that cardholders can enjoy flexible payment.

How's the currency exchange rate of Unionpay Card?

The foreign exchange rate of UnionPay is slightly worse than Visa and Mastercard. However, credit cards issued by Visa and Mastercard charge around 2% overseas transaction fee while UnionPay doesn't charge any. Taking it into account, Unionpay's overall rate will be better.

Which merchants or regions accept UnionPay Card?

UnionPay Card is widely used in mainland China. Even in Hong Kong, most of the chain stores also accept UnionPay payment. UnionPay is also accepted by large merchants in Japan, South Korea and many other Asian countries. Nevertheless, UnionPay is not that popular in Europe and the United States, it is recommended to bring a Visa or Mastercard credit card when traveling to these regions.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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Disclaimer: MoneyHero makes every effort to keep information on our website accurate and up-to-date. This information may be different from what you see when you visit a financial institution or service provider’s site. APR and monthly payments shown in personal instalment loan comparison pages are estimated based on calculation of information you enter. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies in information, please contact the financial institution directly.

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