Find the Best Cards in Hong Kong Credit Card 2025 | MoneyHero

• Most suitable for customer who has big spending in short period
• Earn the welcome offer with a cost-free strategy by using e-wallet transactions (PayMe / Alipay HK) which count towards the welcome spending requirement

• Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.
  • 2% rebate on local dining spending
  • 2% rebate on local hotel spending
  • 2% rebate on spending in foreign currency
  • 1% unlimited rebate on other spending
  • Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
• Purchase Protection Insurance
  • Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.

• First year annual fee waiver

• The 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").
• Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
  • Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.

• First year annual fee waiver
• 6% Cash Rebate on dining and online spending all year round
• From 1 January till 30 June 2025, Motion Credit Cardmembers can earn 6% cash rebate on dining and online spending all year round, up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transactions of HK$3,800 of the month)
• Other things to note:
  • Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications.
• Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/motion_credit_card/en/index.html.
• Reminder: To borrow or not to borrow? Borrow only if you can repay!

• 4% Cash Rebate on RMB and designated mobile wallet spending
  • From 1 January 2025 till 30 June 2025, CNCBI GBA Dual Currency Credit Cardmembers can enjoy 4% Cash Rebate on RMB and mobile wallet (includes Wechat Pay (HK Wallet) and Union Pay App Payment (consumer presented QR code payment mode)), up to extra HK$120 Cash Rebate per day and HK$200 Cash Rebate per month.
• Extra 6% Cash Rebate on RMB spending
  • From 1 January 2025 till 30 June 2025, CNCBI GBA Dual Currency Credit Cardmembers can enjoy extra 6% Cash Rebate on single RMB spending of CNY3,000 or above, up to extra HK$200 per day and HK$300 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer
• Airport Lounge Service and Fabulous Dining
  • Free Global Airport Lounge Benefit with Eligible Spending

    • From 16 December 2024 to 31 December 2025, get a Free Global Airport Lounge Privilege upon pre-registration on U Rewards at UnionPay App and make eligible spending at offline retail merchants with UnionPay App. Quota applies and on a first-come-first-served basis while quota lasts. The offer is subject to relevant terms and conditions.

  • Buy One Get One Free for Starred Hotel Buffet and Afternoon Tea

    • From 26 September 2024 to 31 August 2025, enjoy buy one get one free at over 80 restaurants of luxury hotels  in more than 30 cities across Mainland China. Cardmembers are required to make a reservation of the restaurant and timeslot at UnionPay App at least 24 hours in advance. The offer is subject to relevant terms and conditions.

• No foreign currency transaction handling fee
• 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!

Travel Offer

• American Express Travel Online Benefit
  Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$1,100 Statement Credit
  • For details, please refer to American Express Travel Online Benefit | American Express Hong Kong
• Complimentary Access to The Centurion Lounges
  Enjoy over 1,550 lounges access over the world, and complimentary access to The Centurion Lounge including Hong Kong International Airport, Tokyo Haneda Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.
• Fine Hotels & Resorts
  Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival,  complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available, including Park Hyatt Niseko Hanazono, InterContinental Osaka, Grand Hyatt Seoul, Conrad Seoul and Capella Bangkok
• Elite partner programs
  Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status
• The Hotel Collection
  Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.
• Comprehensive Travel Insurance
  Travel Accidents coverage of up to HK$3,000,000, Medical Assistance and expense up to HK$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.

New offer launched in August！The Country Club at Hong Lok Yuen Admission Privilege

Basic Cardmembers of The Platinum Card can enjoy complimentary access to The Country Club at Hong Lok Yuen for 2 times per calendar month upon successful registration through designated link. Promotion details please refer to The Country Club at Hong Lok Yuen Admission Privilege | American Express HK.

Dining Offer
Basic and Supplementary Cardmember can enjoy

• Global Dining Credit
  Year-round benefit of up to HK$2,000 Global Dining Credit, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for overseas dining at over 1,400 abroad restaurants and in 20 locations around the world.
  • Promotion details please refer to Global Dining Credit | American Express Hong Kong
• NEW! Enjoy up to 30% savings at selected restaurants of Elite Concepts.
  • 30% savings on the original price of the designated menu at participating restaurants, including yè shanghai – Tsim Sha Tsui/ Admiralty, Nanhai No. 1, Nanhai No. 2, Deng G Sichuan
  • 20% savings on the original price for access and dining at Penthouse.
  • Promotion details please refer to Elite Concepts l American Express HK
• NEW! Enjoy up to 30 % savings on the a la carte menus at selected restaurants of JIA Group, including Chachawan, Duddell’s, La Terrace by Louise and Leela
  • Promotion details please refer to JIA Group l American Express HK

• NEW! Enjoy 30% savings on the original price of the designated dinner menu at participating restaurants of Wooloomooloo Group

  • Designated restaurants include: MOOO! – Tsim Sha Tsui, OMAROO Grill – Central, Wooloomooloo Steakhouse - Tsim Sha Tsui East, Wooloomooloo Steakhouse - Wan Chai and Wooloomooloo Prime – Tsim Sha Tsui
  • Promotion details please refer to Wooloomooloo Group | American Express HK
• Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
  • Promotion details please refer to Maxim's Dining | American Express HK
• Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
  • Designated restaurants of Cafe Deco Group includes: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
  • The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
  • Promotion details please refer to Cafe Deco | American Express HK
• Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.

Earn Rewards points when you spend with the Card

• Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.67%.
  • Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 240 Membership Reward points Points = HK$1 Redemption Points
• Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.33%.
  • Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 240 Membership Reward points Points = HK$1 Redemption Points
• Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 1%.
  • Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points

Lifestyle Offer

• Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
• Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cookedDeli in Hong Kong.

Shopping Protection

• Online Fraud Protection GuaranteeShop online with the Card and you won't be held responsible for any fraudulent charge.
• Return GuaranteeRefund if you are unhappy with the purchase made with the Card.
• Extended WarrantyWhen purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
• Price ProtectionRefund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
• 45 Days CoverAlmost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.

• Terms and Conditions apply.

Reminder

• The Platinum Card® Year-Round Offers Terms and Conditions apply.
• Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)
• Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.
• The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
• Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.

Cashback on all spending, local or online

• Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$1,000 in the month, Eligible Online Retail Transactions with a single net transaction of HK$500 or more during the month will earn 8% cash rebate for eligible online retail spending)
• Up to 8% cash rebate for local transportation（Eligible Local Transportation include: CityBus and Cityflyer, KMB, LWB, MTR, Tram and Star Ferry）
• 3% cash rebate for eligible spending at designated local merchants（Designated local merchant includes： Adidas, Fila, PUMA, @cosme STORE, Matsukiyo HK, Tokyo Lifestyle）
• Cashback will be capped at HK$200 per month

Terms and Conditions apply: https://www.thesim.com/en/legal

“Eligible Retail Transactions” shall not include cash advance transactions, payments of any Fees and Charges of a Card (e.g. annual fees, interest or finance charges, late charges, over-the-limit handling charges, cash advance handling fees and other charges), payment to the Inland Revenue Department and/or any other relevant authorities, tolls, road and bridge fees, online bill payment or utilities bill or all payments to and/or transactions with any insurance company (including but not limited to insurance premium payment), all donation and/or payment to any charitable or social service organizations, purchase of any cash coupon or cash voucher, payments for any unit trusts or mutual funds, casino transactions (including but not limited to gambling transactions), any money or electronic money transfer (including but not limited to transfers via person to person (P2P) payment services or mobile device, application, electronic funds transfer platform), reload/ transfer/ payment transactions made via or in relation to electronic wallets (including but not limited to Alipay, WeChat Pay, PayMe), reload of stored value accounts, Octopus top-up transactions by any means (including but not limited to Automatic Add Value Service (AAVS), online or through mobile), cash withdrawal, loan on Card, instalment amount, unposted transactions, cancelled transactions, returned transactions, counterfeit transactions or any other unauthorized transactions. The Card Issuer’s records with respect to the Eligible Cardholder on the amount of Eligible Retail Transactions accumulated from time to time are conclusive and binding on the Eligible Cardholder. All Eligible Retail Transactions shall be determined based on the merchant codes assigned by the related card associations worldwide and the Card Issuer, which may be varied from time to time without prior notice. If there is any dispute regarding any Eligible Retail Transactions, the decision of the Card Issuer shall be final and conclusive.

• From July 01, 2025 to December 31, 2025, new customers who successfully apply for the enJoy Card can receive a welcome reward of 120,000 yuu Points (equivalent to a HKD600 reward); existing customers can enjoy a welcome reward of 80,000 yuu Points (equivalent to a HKD400 reward).

• The latest Points Rewards for Supermarket and restaurant: register, earn and redeem YUU Points
• Earn up to 2% rebate at 2000+ designated merchants

Spend with the card at any designated merchants to earn up to 4X Reward Points (2% rebate).

Reward Points can be spent as cash (200 Reward Points=HK$1), as well as redeeming e-coupons

and gifts in yuu App

• Enjoy designated merchants exclusive year-round discount offer

  • 7-Eleven: 5% off on the 8th and 18th of every month
  • IKEA: Free delivery upon home furniture and accessories order of HK$3,500 or above at stores on the 1st and 3rd Wednesday of every month (Excluding Outlying Islands and Macau)
  • Mannings: 6% off on the 1st and 20th of every month
  • Wellcome, Market Place by Jasons, 3hreesixty, Oliver's The Delicatessen: 8% off on the 3rd, 13th & 23rd of every month upon a single net spending of HK$100 or above
  • Pizza Hut: 10% off dine-in/ takeaway à la carte menu items from Monday to Sunday (Except specific dates)
  • PHD: 10% off dine-in/ takeaway à la carte menu items from Monday to Sunday (Except specific dates)
  • KFC: 5% off dine-in and takeaway orders (From Monday to Friday, except public holidays)

• Get discount offers at renowned hotel restaurants, shops and leisure outlets
• If the customer has held a Hang Seng enJoy Card as the primary cardholder / spending card within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
• New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
• If the customer has held a Hang Seng enJoy Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
• The relevant Designated Merchants e-Coupons and yuu Reward Points will be credited to the Eligible Principal Card Customer’s yuu App which is linked with enJoy Card and enJoy Card account respectively within 2 months after the Eligible Principal Card Customer has fulfilled the requirements. The enJoy Card account should be valid and in good standing, and being linked to yuu Reward Programme when the Designated Merchants e-Coupons and yuu Reward Points are credited
• MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested.
• Advertising information is provided by Hang Seng Bank Limited
• Hang Seng reserves the right to amend these Terms and Conditions at any time
• To borrow or not to borrow? Borrow only if you can repay!

• Spending Rewards - The best in town* up to 5% +FUN Dollars rebate for Online retail spending / up to 6% +FUN Dollars for oversea foreign currencies spending / selected spending categories up to 1% +FUN Dollars Rebate (Select 2 out of 3)

  • From 1 July 2024 to 31 December 2025 (both dates inclusive), customers who register for Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme via hangseng.com/mpower and accumulates monthly eligible spending of HK$5,000 or above can enjoy below spending rebates:
    • Overseas Foreign Currencies Spending up to 6% +FUN Dollars rebate
    • Online Retail Spending up to 5% +FUN Dollars rebate
    • Selected spending categories up to 1% +FUN Dollars rebate (Select 2 out of 3: Dining (dine-in and takeaway at restaurant outlets; fast food not included), Electronics, Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spendings and more)
  • Rebates for Overseas Spending, Online Retail Spending and Self-Selected Categories Spending mentioned above have included basic 0.4% +FUN Dollars on Hang Seng Credit Card (HKD250 retail spending can earn $1 +FUN Dollar) and extra rebate. During the Promotion Period, customers can enjoy up to extra $500 +FUN Dollars in total per month
  • Terms and conditions apply. Please visit hangseng.com/mpower for details, terms and conditions of MMPOWER World Mastercard +FUN Dollars Rewards.
• World Mastercard Privileges
  • Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.

• If the customer has held a Hang Seng MMPOWER World Mastercard® as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
•  “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
• +FUN Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 3 months upon fulfillment of the spending requirement(s). The relevant credit card account must be still valid and in good standing when +FUN Dollars are credited
• +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.
• MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation.
• Hang Seng reserves the right to amend these Terms and Conditions at any time
• To borrow or not to borrow? Borrow only if you can repay!

• *As of May 14, 2025, the monthly cash rebate cap of the MMPOWER World Mastercard® is higher than that of similar products in the market for the same spending categories.

Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

• Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
  • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
• HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

• Hotel, Car Rental and Experience Awards;
• Dining awards or settle bill with miles; and
• Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

• New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

• New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
• Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
• Offers are subject to Terms and conditions
• An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page

With Mox Credit Credit, earn best-in-town unlimited CashBack everywhere

• Earn 3% unlimited CashBack at supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
• Earn 2% unlimited CashBack (with an Eligible Balance of HKD250,000 or above)! Or earn 1% unlimited CashBack if otherwise
• Want to earn Asia Miles instead? You can switch your spending reward mode to “Miles”, and start earning “best-in-town” HKD4 / mile + 0% FX fees (for both overseas spending / online shopping)

Transfer flexibly with Mox Credit with no fees 

• Starting 1 May 2023, Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Whether you need to transfer money to friends or family, set up designated payees to pay rent, tuition fees, or miscellaneous expenses, or purchasing goods and services, Mox Credit makes it easy for you.
• Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. If you exceed your personalised transfer limit, a handling fee of up to 2% will be applied. To keep track of your threshold and fees, you can easily check your Mox app

Mox Credit - Numberless All-in-One Bank Card

• Up to 56 days of interest-free
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• No late payment fee
• One card for all purchases and cash withdrawal.
• No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
• Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
• Use JETCO ATMs in Hong Kong for free.

Mox Exclusive Offer

• Discover discount offers, free gifts, unique experiences and more
• Please visit the Mox Official Website for the list of exclusive offers

Other things to note

• Mox Asia Miles Time Deposit Promotion Terms and Conditions and Mox Upfront Interest Time Deposit Promotion apply.
• These Time Deposit interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon time deposit set up. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate offers at any time without prior notice. Before making the relevant transaction, please check on Mox app for the interest rate offers applicable to the transaction. Please note that if you request for an early withdrawal, the upfront interest will be deducted from the time deposit principal amount.
• Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.

• From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. If you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction.

• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!
• Mox disclaimer applies.

• 5% CashBack at PARKnSHOP

  Year round offers: 5% CashBack at designated merchants like Klook and more

  • Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
    • From 2023 onwards, JHC will be added as a designated merchant
    • Other designated merchants include 759 Store, Circle K Convenience Store, HKTVmall, Klook, SaSa, Watsons, Decathlon, China Mobile Hong Kong (from 9 June 2023 onwards) and Deliveroo (from 1 April 2023 onwards) etc.
    • Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.
    • No minimum spending requirement.
    • The cap of 5% CashBack earned within the promotion period is HK$3,000. (You will reach the cap when you spend HK$60,000 at selected merchants.)
  • Other retail transactions (including online transactions and interest-free monthly instalment), Octopus Automatic Add-Value transactions and PayMe top-up transactions are entitled to 0.55% CashBack.
• Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
• Perpetual annual fee waiver
• No foreign transaction fee
  • No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.
• No cash advance fees

• 	Extra CashBack		Basic CashBack		Total CashBack#
  Monthly Eligible Spending*	CashBack for Eligible Transactions made at Designated Merchants	Spending Cap per Monthly Statement Cycle	CashBack for Eligible Transactions	Spending Cap per Monthly Statement Cycle
  HKD 4,000 to HKD 14,999	4.44%	HKD5,000^	0.56%	No Cap	5%
  HKD 15,000	3.80%		1.2%		5%

• Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
  • New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
• Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants
• You are required to redeem CashBack through the 360° Rewards Redemption Platform.
  • The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
  • Cardholders are required to redeem CashBack through the platform.
  • The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.
• Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
  
  To borrow or not to borrow? Borrow only if you can repay!

• Unlimited CashBack all year-round （Any merchants or categories, regardless of retails or online shopping, all eligible transactions are entitled to CashBack offer）
  • CashBack on spending in local currency： 1.5%
  • CashBack on spending in foreign currencies：2.0% 
• Welcome Offer 
  • From now to 3 September 2025, new Cardholders who have accumulated Eligible Transactionsii of HKD8,000 or above with the newly approved Standard Chartered Simply Cash Visa Card within the first 2 months from the date of issuance will be rewarded HK$600 Cashback
• Exclusive Priviledges
  • Year-round benefits
    
    • Discover hundreds of deals, discounts and privileges, including exceptional dining, lifestyle, retail and travel offers
  • Visa Signature Concierge
    
    •  From travel reservations, booking tickets to a show, discounted access to golf clubs or that special dinner reservation, your Visa Concierge is here to help
    • The service is now available anytime at your fingertips with the new Visa Concierge app
• Other features
  • Online redemption Platform
    
    • Redeeming your accumulated CashBack is easy via our online platform – you can opt for a cash sum or choose from a wide range of extra value offers More details
  • Visa payWave
    • Contactless payments are secure, quick and easy – just touch your card to the merchant’s card reader wherever you see the special contactless payment symbolMore details
  • Year-round offers
    
    • Enjoy year-round exclusive dining, shopping and lifestyle offersMore details
• Eligibility
  
  • Hong Kong resident aged 18 or above
  • Annual income of HKD96,000 or above

• For details, please refer to Visa Signature website www.visa.com.hk/en_HK/signature.
• To borrow or not to borrow? Borrow only if you can repay!

Smartphone Application Guide

• Apply for a DBS Black World Mastercard through the MoneyHero mobile website to earn exclusive welcome offers plus an additional HK$50 InstatRedeem from DBS Card+. For details, please visit DBS website.

1. Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
2. After filling out your email, directly access the pop-out App Store / Google Play Store page to download and open the DBS Card+ HK app.
3. Directly apply for the specified DBS credit card within the app, and check your email inbox to fill out the reward claim form.

• If you want to continue applying through the desktop website:
  After accessing the bank's official website through MoneyHero, please use the "New Customer" column "Apply Now" red button to apply. This makes it easier to successfully track your MoneyHero exclusive offer application details, but you may not be able to get the additional HK$50 InstatRedeem from DBS Card+.

Suitable for customers who loves travelling

As low as HK$2=1mile and worldwide travel privileges

• Register via DBS Card+ app now to enjoy the following privileges upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month to enjoy Eligible Overseas Spending as low as HK$2 = 1 Mile. For details, please visit DBS website

Enjoy full year travel privileges 

• Up to 8% off on hotel booking offer from Expedia.com
• Up to 8% off on hotel booking offer from Hotels.com

Flexi Shopping Black World Mastercard® Exclusive Offer

• 3 times 50% one-off handling fee rebate on travel merchant spending instalments!
• Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fsbmce.

InstaRedeem 20% off on Online / Travel Merchant Spending

• Offset your online spending or spending at travel merchants with DBS$ with just a few taps!

• Redeem air miles or travel rewards with DBS$. No expiry date and redemption fee for DBS$.

  • Redeem flight from Asia Miles, Avios, KrisFlyer & PhoenixMiles at any time; Asia Miles can be converted instantly and shall be credited to your mileage account instantly.
  • Exclusive offers of 45% off when redeeming travel rewards with DBS$ from iGO Rewards.

• Unlimited Cash Rebate Redemption
  • DBS Black World Mastercard® Cardholder can redeem Cash Rebate at DBS$80 to HK$100 during Promotion Period. Without any spending requirement and limit on redemption quantity.
  • Login to DBS Card+ > Select "Rewards" > Select "eSHOP" > Select applicable credit card > Select "20% Off Cash Rebate Redemption Promotion" > Select redemption quantity > Click "Buy Now" to complete redemption procedure

Other things to note

• MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
• DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
• Terms and Conditions apply. For details, please visit go.dbs.com/hk-blackcard-mc.

• To borrow or not to borrow? Borrow only if you can repay!

• Free Access of Priority Pass lounges globally
  • Complimentary access to over 1,500 Priority Pass lounges around the world
  • Enjoy discounts on dining, spa and shopping services at over 800 selected merchants

• Points will never expire
  • Local Spending: HK$6 = 12 Points, equivalent to HK$6 = 1 mile
  • Overseas Spending: HK$4 = 12 Points, equivalent to HK$4 = 1 mile
  • Pay annual fee of HK$3,800 every year
  • From the second year onwards, receive 360,000 Points^ every year (equivalent to 30,000 Asia Miles)
    ^Points will be credited to the eligible Principal Cardholder’s account two (2) calendar months after the annual fee has been fully paid.
  • Points can redeem cash rebate, vouchers, gifts and airmiles
• Complimentary 4th night at any hotel when you book a minimum 4-consecutive-night stay including staycation
• Connects to Citi Prestige Concierge hotline or access the Live Chat function via Citi Mobile® App with multiple languages

• Free travel insurance

  • Pay in full or redeem for flight tickets/accommodation/travel tours with your Citi Prestige Card, you and your family can enjoy free travel insurance.

• Complimentary purchase protection insurance, e-commerce protection insurance and more

Other things to note

• This MoneyHero Exclusive Offer does not apply to student card
• Annual fee of HK$3,800 must be paid.
• MoneyHero exclusive offer is 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").
• Each Eligible Cardholder is entitled to one welcome offer only.

• Introducing the all-new Mox Credit "FLYWITHMOXMH" miles-earning code!
• Seamlessly earn an unbeatable HKD4 = 1 Asia Mile on all your spending with Mox Credit's Miles Rewards Scheme, so you can earn faster and fly sooner. Plus, enjoy 0% FX Fees, making every purchase count, whether at home or abroad!
• Break free from traditional credit card rewards scheme. With Mox Credit you can switch between CashBack and Miles Rewards scheme with ease, putting you in control of how you earn.
• Enjoy HKD4 = 1 Mile on all spending
• Unlimited Miles, Unlimited Trips.
• There's no limits on the number of miles you can earn – spend more, earn more!
• 0% FX Fees: Same great rates at home and abroad!
• Enjoy 0% FX Fees on all transactions worldwide.
• Save effortlessly on overseas trips and online purchases.
• Want to earn CaskBack instead? You can switch your spending reward mode to “CashBack” via Mox app, and start earning “best-in-town” 2% unlimited CashBack on any spending!

New customers can only use one invitation code to open an account and enjoy the welcome offer

Mox Credit transfer limit is customized every month to facilitate daily transfers

• Mox Credit's personalized transfer amount is customized every month. Transfer money through Mox Credit using "FPS", which is convenient, fast and convenient.

• For daily bank transfers to relatives and friends, rent payments, tuition and miscellaneous fees, shopping and other services, you only need to use the "FPS" transfer function or bank transfer function through Mox Credit in the Mox app, and you can enjoy it with just one click. Interest-free repayment period of 56 days. You can also set up a "repeat payment" instruction to never miss any payment days again.

• If the total monthly transfer amount exceeds your personalized transfer limit, you only need to pay a handling fee of up to 2% for the transfer amount exceeding this limit. If you want to check your personalized transfer amount and handling fee, just log in to the Mox app and you can see it at a glance

Mox Credit - Full-featured No-Number Bank Card

• Use "FPS" via Mox Credit to transfer the amount first and then find the amount.

• One Mox Credit has both consumption and withdrawal functions

• No card number design, the physical card will not be printed with the card number, expiration date or CVV verification code, reducing the risk of data theft

• You can lock, unlock, set daily limits and change ATM passwords for Mox Credit through the Mox app. Even if you lose your physical card, you can reduce the risk of it being stolen.

• Free use of "JETCO" ATM cash withdrawals

No annual fee

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.
• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.
• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank's Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.

• You must first open a Mox account to apply for Mox Credit

• Applicants for Mox account must be 18 years old or above, hold a valid Hong Kong resident identity card, and have a valid Hong Kong residential address and mailing address

• Subject to Mox disclaimer.

• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

• Suitable for customers who have large amount of overseas/foreign currency spending
• Points will never expire. No service charge for mileage conversion.
• Up to 12 times complimentary access to airport lounges for every calendar year
  • Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
• Free Travel Insurance
  • Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
• Purchase Protection
  • Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase

• 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").
• When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.