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Standard Chartered Simply Cash Visa Card

Standard Chartered Simply Cash Visa Card

MoneyHero Exclusive Offer
Standard Chartered Simply Cash Visa Card
$96,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to HK$1,600 welcome rewards (including HK$500 supermarket coupon exclusively from MoneyHero)
New customers enjoy up to HK$400 cash rebate through application for Statement Instalment Plan
Please turn off AdBlocker and private mode to redeem exclusive reward
New customers enjoy up to HK$400 cash rebate through application for Statement Instalment Plan
Please turn off AdBlocker and private mode to redeem exclusive reward
PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

MoneyHero Exclusive Offer
PrimeCredit EarnMORE UnionPay Diamond Card
$150,000
Min. Annual Income
MoneyHero Exclusive Offer:
OTO Back Snuggle / Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome offer; plus HK$500 cash rewards exclusively from MoneyHero
Enjoy up to HK$2,500 rebate while spending with the card at CMK Electrical Store/Electric Care branches; 3-month Interest-free Credit Card Transaction Instalment Plan
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Enjoy up to HK$2,500 rebate while spending with the card at CMK Electrical Store/Electric Care branches; 3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode to redeem exclusive offer
Standard Chartered Asia Miles MasterCard

Standard Chartered Asia Miles MasterCard

MoneyHero Exclusive Offer
Standard Chartered Asia Miles MasterCard
$96,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to 40,000 miles as welcome gift, plus HK$500 supermarket coupon exclusively from MoneyHero
Welcome offer: as low as HK$0.2 = 1 Asia Mile; New customers enjoy up to HK$400 cash rebate through application for Statement Instalment Plan
Please turn off AdBlocker and private mode to redeem exclusive reward
Welcome offer: as low as HK$0.2 = 1 Asia Mile; New customers enjoy up to HK$400 cash rebate through application for Statement Instalment Plan
Please turn off AdBlocker and private mode to redeem exclusive reward
BEA World Mastercard

BEA World Mastercard

MoneyHero Exclusive Offer
BEA World Mastercard
$240,000
Min. Annual Income
1.6%
Local Spending - Cashback Rateon local dining spending
MoneyHero Exclusive Offer:
[Till 30 Nov] Up to HK$1,650 welcome rewards (including HK$600 limited-time rewards exclusively from MoneyHero) when you apply for BEA World Mastercard and BEA i-Titanium Card together!
Access to over 1,000 airport lounges worldwide; 20% off on regular-price movie ticket at designed cinemas
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Access to over 1,000 airport lounges worldwide; 20% off on regular-price movie ticket at designed cinemas
Please turn off AdBlocker and private mode to redeem exclusive offer
BEA i-Titanium Card

BEA i-Titanium Card

MoneyHero Exclusive Offer
BEA i-Titanium Card
$40,000
Min. Annual Income
0.4%
Overseas Spending - Cashback Rate
MoneyHero Exclusive Offer:
[Till 30 Nov] Up to HK$1,350 welcome rewards (including HK$600 limited-time rewards exclusively from MoneyHero)
10% rebate on designated mobile payment spending; 3.4% rebate on online purchase
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10% rebate on designated mobile payment spending; 3.4% rebate on online purchase
Please turn off AdBlocker and private mode to redeem exclusive offer
BEA UnionPay Dual Currency PLATINUM Credit Card

BEA UnionPay Dual Currency PLATINUM Credit Card

MoneyHero Exclusive Offer
BEA UnionPay Dual Currency PLATINUM Credit Card
$40,000
Min. Annual Income
0.4%
Overseas Spending - Cashback Rate
1.2%
Local Spending - Cashback Rateon local dining spending
MoneyHero Exclusive Offer:
[Till 30 Nov] Up to HK$1,350 welcome rewards (including HK$600 limited-time rewards exclusively from MoneyHero)
3X reward points for local dining spending; 2X reward points for all other local retail spending
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3X reward points for local dining spending; 2X reward points for all other local retail spending
Please turn off AdBlocker and private mode to redeem exclusive offer
CNCBI Motion Credit Card

CNCBI Motion Credit Card

MoneyHero Exclusive Offer
CNCBI Motion Credit Card
$150,000
Min. Annual Income
MoneyHero Exclusive Offer:
Antler 25” Luggage Case / récolte Home BBQ / HK$400 Cash Rebate as welcome gifts; plus HK$350 Cash Rebate exclusively from MoneyHero
Up to 2% Welcome Offer Cash Rebate on Local Retail and Overseas Spending in the first 6 months
First 3 years annual fee waiver
Up to 2% Welcome Offer Cash Rebate on Local Retail and Overseas Spending in the first 6 months
First 3 years annual fee waiver
CCB (Asia) JD Credit Card

CCB (Asia) JD Credit Card

MoneyHero Exclusive Offer
CCB (Asia) JD Credit Card
$150,000
Min. Annual Income
0.5%
Overseas Spending - Cashback Rate
0.5%
Local Spending - Cashback Rate
MoneyHero Exclusive Offer:
Enjoy HK$200 supermarket coupon exclusively from MoneyHero
Unlimited 4% Cash Rebate for online spending
Please turn off AdBlocker and private mode to redeem exclusive reward
Unlimited 4% Cash Rebate for online spending
Please turn off AdBlocker and private mode to redeem exclusive reward
Blue Cash℠ Credit Card from American Express

Blue Cash℠ Credit Card from American Express

MoneyHero Exclusive Offer
Blue Cash℠ Credit Card from American Express
$150,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to HK$1,200 rewards as welcome gift (including HK$200 supermarket coupon exclusively from MoneyHero)
Up to 21% Cashback as welcome gift; enjoy HK$200 Cashback for applying for 2 supplementary cards
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Up to 21% Cashback as welcome gift; enjoy HK$200 Cashback for applying for 2 supplementary cards
Please turn off AdBlocker and private mode to redeem exclusive offer
Citi Cash Back Card

Citi Cash Back Card

MoneyHero Exclusive Offer
Citi Cash Back Card
$240,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to HK$1,300 welcome rewards (including HK$500 supermarket coupon exclusively from MoneyHero)
2% auto rebate for local dining, local hotel spending and foreign currency spending with no cap; digital wallets' spendings are eligible for earning Welcome Gift
Please turn off AdBlocker and private mode to redeem exclusive reward
2% auto rebate for local dining, local hotel spending and foreign currency spending with no cap; digital wallets' spendings are eligible for earning Welcome Gift
Please turn off AdBlocker and private mode to redeem exclusive reward
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.

Choosing the Best Credit Card Deals in Hong Kong

That shiny piece of plastic in your wallet is more than just a status symbol. Whether you are shopping at the mall, over the internet or during your holiday in Europe, nothing beats the convenience of swiping your card on the spot and paying for your purchases later. And they aren't good for just shopping sprees either; you can also pay your bills, beef up your credit rating, or save on airfares for your next trip halfway around the world.

Choosing the right card is vital, but what if you don't have the time to sift through countless offers from a long list of banks. This is where we come in: our online comparison tool helps you single out the cards with the perfect combination of good terms, affordable interest rates, and extra perks.

How Our Best Deals Work?

All of the cards in our Best Deals are up there for a reason. Favoured by a steady percentage of our online users, these are the cards with consistent rates, irresistible rewards, and other unique features that make them stand out from the competition.

Tons of cards on the market come with all kinds of features, complicating your search for the right one. We understand that a good card must go beyond the basics and let you do more than just shopping. For this reason, we help you compare and find cards with the best welcome gifts, cashback, miles and other rewards from a selection of financial institutions including Bank of China (Hong Kong) and Hang Seng Bank. Our top choices also come with exclusive offers and rewards you won't find anywhere else.

Find a Deal No Matter Where You Are

At MoneyHero, we take your financial security very seriously. We know better than anyone that there is a product out there for every niche, be it air miles or rewards points. The wrong card can make or break your financial situation, costing you thousands of dollars in the long run. That's why we've made it our job to match you with the right card for your needs.

Time is money, and we can save you hours of web browsing by reviewing a variety of products from the comfort of your mobile. You can view our most popular cards at a glance, each chosen for their combination of rates and benefits ideal for the average cardholder's budget. All of our picks come from Hong Kong's most trusted banks, along with globally-renowned brands and of course, only the best credit card deals.

What are the common credit card rewards?

Credit card rewards come in many forms, the two major incentives are air miles and cash back. Many card issuers have different credit card rewards programs, cardholders can earn reward points for their spending and redeem the points for cash backair milesgift vouchers or free gifts.

Certain banks promote cash back rewards which their credit cards can earn, cardholders can enjoy 1-4% cash rebate for eligible local / overseas spending or shopping online.

If you travel and use your credit card to book flights and hotels frequently, you can earn more air miles using air mile credit cards. You may redeem miles for award flights, hotel stays and other travel offers.

In addition to daily spending, you may also earn rewards by using the Octopus Automatic Add-value Service and paying utilities, tax, tuition and insurance bills with your credit card and redeem reward points, cash back and air miles.

Do credit cards offer other forms of benefits in addition to cash back and air miles?

Many credit cards bring discounts and cash rebate for online shopping, dining offers and even privileges like airport lounge access and concierge service in addition to cash back and air miles. For example, DBS Eminent Card and Citibank Citi Clear Card offer cash rebate of 2-6% for online spending. Regarding dining benefits, numerous credit cards offer attractive cash back and air miles redemption deals for dining spending, so that cardholders can earn more rewards by eating out. Premium credit cards with exclusive privileges, which offer airport lounges access worldwide, airport limousine transfer service and other concierge services, have a minimum income requirement.

How to earn cashback?

Some Cashback Credit Cards providers require you to spend a minimum amount before you can start earning rewards. Providers may also limit the amount of Cashback rewards you can earn, while others implement caps on how much you can spend for certain categories. It's also common for providers to set an increase in cashback return rates for certain categories within a specified period which are worth taking advantage of.

The best way to maximize cashback points is to choose a card that lets you earn rewards that matter to you. If you're serious about pursuing cashback rewards, you must make sure to fully understand the terms and conditions of your selected credit card. Terms are always subject to change, so it's important to always stay educated on these.

Can I apply for more than one credit card?

Yes, but do not send out your applications all at once. Credit card providers can have access to information about your existing credit card applications as part of your credit profile. Having too many active applications at the same time will make you look too 'desperate' and lessen your chances of being approved.

How long does it take for my application to get approved?

The period varies from bank to bank but after you submit your application, it would usually take a few days to process. If you are approved for credit, it usually takes 7 to 10 working days for you to get your credit card. To ensure that there are no further delays, fill out the application form correctly and submit all required documents.

What are the fees and charges applicable on credit cards?

The annual fee depends on the bank and the type of credit card. One- to three-year annual fee waiver is usually offered to attract users, and cardholders get their fee waived if they can meet the minimum spending. Some card issuers even advertise credit cards with no annual fee. You can request annual fee waiver by calling the card issuer's hotline. Furthermore, many banks charge an early termination fee of more than HK$100; other common fees and charges include replacement fee, late charge, over-limit fee, cash advance fee and foreign transaction fee. In addition to credit card welcome offers, you should also check with your provider to see the fees and charges of your credit card.

Why should I apply for credit cards through MoneyHero?

MoneyHero lists out the most up-to-date information on credit card products in Hong Kong. We also provide apply links that allow you to apply for a credit card directly. Our top choices also come with exclusive offers and rewards you won't find anywhere else.

Do existing customers enjoy the Welcome Offers offered by MoneyHero?

For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer from banks or institutions, various terms and conditions apply, subject to different banks and institutions. You may refer to the following:

American Express 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS 
Current and new customers are eligible for welcome offer. New customers refer to card holders who have not held or cancelled Citibank credit cards in the past 12 months. For more details of welcome offer, please click here.

PrimeCredit 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC 
Current and new customers are eligible for welcome offer. For more details of welcome offer, please click here

BEA 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled BEA credit cards in the past 6 months.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

MoneyHero.com.hk

© 2013 - 2020 MoneyHero Global Limited (registered in Hong Kong under company number 1864714) (“MHGL”). All rights reserved. MoneyHero Insurance Brokers Limited (registered in Hong Kong under company number 2196683) (“MHIBL”) is a wholly owned subsidiary of MHGL. MHIBL is an authorized insurance broker with Insurance Authority License Number FB1740 whose business it is to arrange insurance products and services for its clients. MHGL is not an insurance company, agent or broker. Other than the provision of marketing services to virtual insurance companies that do not work with insurance intermediaries, MHGL does not carry on an insurance business and all insurance-related activities displayed, offered or referred to on this site are carried out solely by MHIBL in its capacity as an insurance broker. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy.

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