Best UnionPay Credit Cards in Hong Kong 2026

• New HSBC Rewards Partners
  Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options: 
  • New Travel Partners
    
    • Hainan Airlines and China Southern Airlines (available for all credit cards)
• Mainland China & Macau Spending – Up to 4.4% RewardCash
  

  • Enjoy up to 2.4% RewardCash on Red Hot Rewards of Your Choice when you select Overseas and Mainland China Spending as your chosen spending categories. 

  • Up to extra 2% exclusive RewardCash rebate for spending made through QR Code Payment and/or Mobile Payment in Mainland China and Macau.
• Other year-round offers:
  • One card, dual currency, without worrying about exchange rate fluctuations

  • Foreign currency transaction fee waiver on every RMB and MOP transaction

  • Up to 40% off at designated merchants. Please download UnionPay app for more details.

• Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
• First 2 years annual fee waiver
• The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
• In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
• Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).
• To borrow or not to borrow? Borrow only if you can repay!

• One Card, Dual Currency 
  • Spending in Hong Kong and overseas will be billed in HK$. Spending in Mainland China will be billed in CNY. No need to worry about the fluctuation of exchange rate 
• Rewards Points
  • Earn up to 3% rebate on shopping and entertainment spending
  • For details, please refer to https://www1.citibank.com.hk/english/credit-cards/rewards-card
• First year annual fee waiver 
• This MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
• Handling fee of HK$200 will be charged for redeeming Points for miles each time.

• Spending Categories	RMB or UnionPay App Spending	Single spending of CNY4,000
  Cash Rebate Offer	4%	Extra 6%
  Maximum Cash Rebate per month	HK$150	HK$250

• 4% Cash Rebate on RMB and UnionPay App spending
  • From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy 4% Cash Rebate on RMB and UnionPay App consumer presented QR code payment mode) up to extra HK$150 Cash Rebate per month.  
• Extra 6% Cash Rebate on RMB spending 
  • From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy extra 6% Cash Rebate on a single RMB spendingof CNY4,000 or above, up to extra HK$250 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer.
• Up to 45% Cash Rebate on top of 5% Instant Discount on GBA Hotel Booking
  • From now to 8 January 2026, enjoy extra up to 45% cash rebate on top of 5% instant discount on GBA hotel booking by redeeming the offer with designated promotion code through Wing On Travel website or App. Cardmembers are entitled to a maximum of HK$120/order under instant 5% off offer and a maximum of HK$360/order under up to 45% cash rebate offer. Quota applies and on a first-come-first-served basis while quota lasts.
• No foreign currency transaction handling fee
• Welcome Offer Option 1: 10% Cash Rebate on spending in foreign currencies
  New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies made with the GBA Dual Currency in the first 3 months starting from the card issuance date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate!
• Welcome Offer Option 2: Enjoy HK$600 Cash Rebate
  New credit card customers who accumulate HK$6,000 or above in retail spending within the first 2 months from the card issuance date (“Spending Period”) with the GBA Dual Currency will be entitled to HK$600 cash rebate.
• First year annual fee waiver

  • Other things to note

  • Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
  • Terms and conditions apply. For details, please visit www.cncbinternational.com/personal/promotions/credit-card/en/index.html.
  • Reminder: To borrow or not to borrow? Borrow only if you can repay! 

Pay with EarnMORE UnionPay Credit Card and enjoy 2% direct cash rebate

• 2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending 

Easy and instant payment with in-app UnionPay QR code function in OmyCard app

• Enjoy "Hot Deals Patrols" limited-time offers through the app. You can buy popular products at a discounted price.

Annual fee waiver for the first 2 years

Other things to note

• Welcome offers Approval Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
• Each card can be entitled to a maximum amount of HK$1,500 extra 1% cash rebate during the Promotion Period.
  • The promotion period of 2% year-round rebate is valid from 1 July 2026 to 30 Jun 2027.

• New HSBC Rewards Partners
  Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options: 
  • New Travel Partners
    
    • Hainan Airlines and China Southern Airlines (available for all credit cards)
• Enjoy flexible payment in Hong Kong dollars and Renminbi without worrying about exchange rate fluctuations
• Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
• Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).
• First 2 years annual fee waiver 
• The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
• In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
• To borrow or not to borrow? Borrow only if you can repay!

• Up to 5% cash rebate on spending at designated Go merchants
  • Designated Go merchants include: Keeta, Meituan, Dianping, High-Speed Rail (only applicable at ticket counters and vending machines at Hong Kong West Kowloon Station), DiDi, JD(Link the BOC Go Card for payment) , Wellcome, Market Place, Oliver‘s the Delicatessen & 3hreesixty’s (not applicable to self-checkout and online store channel)
  • Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
  • Monthly rebate cap of HK$100
• Up to 20X points rebate on designated mobile payments
  • Eligible via BoC Pay+, QuickPass APP, Apple Pay, Samsung Pay and Huawei Pay
  • BOC Go UnionPay Diamond Card:
    
    • Mainland:     Up to 20X Gift Points (equivalent to 8% rebate)
    • Local:     Up to 10X Gift Points (equivalent to 4% rebate)
    • Oversea:     Up to 3X Gift Points (equivalent to 1.2% rebate)
  • Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
  • Monthly points rebate cap of 25,000 points
• Up to 2X points rebate on overseas spending (not applicable to RMB transactions)
  • No cap on points rebate
• 0% handling fee of mainland transactions
• Points can be redeemed for cash rebate or mileage rewards
• Primary card enjoys first-year annual fee waiver (will be waived for holding BOCHK savings or current account in single account /joint account); supplementary cards are fee-exempt
• Other important notes
  • Applicants who are existing primary cardholders of BOC HKD credit cards and/or BOC dual-currency credit cards (excluding supplementary cards, business cards, Intown online credit cards, USD cards, BOC credit cards issued in Macau, and private client cards), or who have cancelled or held the aforementioned cards within 12 months prior to the application date, will not be eligible for the welcome offer for the primary card even if the application is approved.
  • Spending points awarded to customers cannot be exchanged for cash, converted into other gifts, transferred, or used for resale purposes.
  • Subject to terms and conditions. Please refer to https://www.bochk.com/dam/boccreditcard/gocard/eng/index615.html

• Up to 5% cash rebate on spending at designated Go merchants
  • Designated Go merchants include: Keeta, Meituan, Dianping, High-Speed Rail (only applicable at ticket counters and vending machines at Hong Kong West Kowloon Station), DiDi, JD(Link the BOC Go Card for payment) , Wellcome, Market Place, Oliver‘s the Delicatessen & 3hreesixty’s (not applicable to self-checkout and online store channel)
  • Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
  • Monthly rebate cap of HK$100
• Up to 10X points rebate on designated mobile payments
  • Eligible via BoC Pay+, QuickPass APP, Apple Pay, Samsung Pay and Huawei Pay
  • BOC Go UnionPay Platinum Card:
    
    • Mainland: Up to 10X Gift Points (equivalent to 4% rebate)
    • Local: Up to 5X Gift Points (equivalent to 2% rebate)
    • Oversea: Up to 2X Gift Points (equivalent to 0.8% rebate)
  • Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
  • Monthly points rebate cap of 25,000 points
• Up to 2X points rebate on overseas spending (not applicable to RMB transactions)
  • No cap on points rebate
• 0% handling fee of mainland transactions
• Points can be redeemed for cash rebate or mileage rewards
• Primary card enjoys first-year annual fee waiver (will be waived for holding BOCHK savings or current account in single account /joint account); supplementary cards are fee-exempt
• Other important notes
  • Applicants who are existing primary cardholders of BOC HKD credit cards and/or BOC dual-currency credit cards (excluding supplementary cards, business cards, Intown online credit cards, USD cards, BOC credit cards issued in Macau, and private client cards), or who have cancelled or held the aforementioned cards within 12 months prior to the application date, will not be eligible for the welcome offer for the primary card even if the application is approved.
  • Spending points awarded to customers cannot be exchanged for cash, converted into other gifts, transferred, or used for resale purposes.
  • Subject to terms and conditions. Please refer to https://www.bochk.com/dam/boccreditcard/gocard/eng/index615.html