Dining Credit Cards in Hong Kong 2025

• 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!

• A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$4,000 Eligible Spending in Other Retail Spending in each calendar month)
• Other retail spending up to 1 % rebate (applicable for the first HK$15,000 Eligible Spending in Other Retail Spending in each calendar month)
• Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
• The first HK$5,000 E-Wallet Retail Spending in each calendar month, excluding the thereafter E-Wallet Retail Spending exceeding HK$5,000, will be entitled the reward.
• For details, please visit go.dbs.com/hk-eminent-rebate-en.

• Conrad Hong Kong up to 10% off

• Up to 35% discount on designated check-up plans
  

Flexi Shopping Eminent Card Exclusive Offer

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

• 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 and/or DBS COMPASS VISA) issued by DBS
• Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
• New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
• DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate

Launch of WeWa Club Enjoy endless offers and jetso

• The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.

• At WeWa Club, you can:
  • Buy amazing things at a good deal
  • Enjoy priority booking for concerts or other events
  • Enjoy many other offers and jetso!
  Click here  to register as a WeWaClub member

Enjoy limited-time offers and activities in OmyCard app

• Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.

• 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (0.4% basic rebate + 3.6% additional rebate) (HK$250 = HK$10 cash rebate)
• 0.4% on other spendings (HK$250 = HK$1 cash rebate)

• Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.

• Welcome offers, HK$300 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.

• Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200

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

Earn rewards when you spend with the Card

• First HK$120,000 spending within first 3 months - HK$1 = 5 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1.67%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3.6 = 1 mile.
• First HK$120,000 charged and billed during each Program Period - HK$1 = 3 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$6 = 1 mile.
• The spending from HK$120,001 and onwards during each Program Period - HK$1 = 1 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 0.33%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$18 = 1 mile.
• All spending requirement above applicable to local retails, dining and online shopping; foreign currency shopping
• Shop online or in a store at selected merchants, you’ll earn double Membership Rewards points. First HK$120,000 spending
  during each Program Period - HK$1 = 6 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 2%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3 = 1 mile.
  • Including but not limited to Circle K Convenience Stores, city’super, DON DON DONKI, Mannings, PARKnSHOP, SOGO supermarket, Watsons, Wellcome, YATA supermarkets, Esso stations (earn up to an extra 30,000 Membership Rewards points in total per calendar month)
  • Learn more Merchant list

• Online Fraud Protection Guarantee
  Shop online with the Card and you won't be held responsible for any fraudulent charge.
• Return Guarantee
  Refund if you are unhappy with the purchase made with the Card.
• Extended Warranty
  When 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 Protection
  Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
• 45 Days Cover
  Almost 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.

Dining Offer
Basic and Supplementary Cardmember can enjoy

• Enjoy up to 40% 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
• Buy 1 Get 1 Free at designated restaurants of agnes b, and up to 30% off on 5.5" whole cake with at least 3-day advance order.

Lifestyle Offer

• Buy-1-Get-1-Free tickets offer will only 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, city'super EKI, LOG-ON and cookedDeli in Hong Kong.

• Enjoy 3X Membership Rewards points on the first HK$120,000 spending (as low as HK$5 = 1 mile)
• Enjoy 8% savings on selected hotel booking all year round at Expedia

• Existing American Express® Platinum Credit Card Basic Cardmembers and applicants who held American Express® Platinum Credit Card (Basic card) at any time within the past 12 months from the date of this application are not eligible for MoneyHero Exclusive Offer and Welcome Offers.

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.

• 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!