Compare All Credit Cards in Hong Kong 2025 | MoneyHero

Updated: 26 Aug 2025

Through a thorough comparison between these cards, you can effectively choose the right credit card that manages your finances and earns you attractive benefits in Hong Kong, such as cash back, air miles, and exclusive promotions. Apply now with MoneyHero to start enjoying these generous benefits!
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Card
Hot Reward Pick
MoneyHero Reward
Card Benefit
Minimum Monthly Income
Citi Cash Back Card
Citi Cash Back Card
HK$4,680
1 - 2 % cashback
HK$120,000
HSBC Visa Signature Card
HSBC Visa Signature Card
HK$4,980
0.04 - 3.6 % cashback
HK$240,000
CNCBI Motion Credit Card
CNCBI Motion Credit Card
HK$2,100
0.4 - 10 % cashback
HK$96,000
DBS Black World Mastercard®
DBS Black World Mastercard®
HK$3,980
$4 - 12 per mile
HK$240,000
BOC Chill Platinum Mastercard
BOC Chill Platinum Mastercard
HK$2,400
4 - 8 %
HK$150,000
BOC Chill World Mastercard
BOC Chill World Mastercard
HK$2,600
5 - 10 %
HK$300,000
Hang Seng enJoy Card
Hang Seng enJoy Card
HK$4,980
0.5 - 2 % cashback
HK$150,000
The Platinum Card®
The Platinum Card®
HK$9,768
$4.5 - 7.5 per mile
No Requirement

Show All Cards (58)

Standard Chartered Cathay Mastercard
Mox Credit Card (CashBack)
Hang Seng MMPOWER World Mastercard®
Standard Chartered Smart Credit Card
Mox Credit Card (Asia Miles)
DBS Eminent Visa Platinum Card
American Express Explorer® Credit Card
Standard Chartered Cathay Mastercard - Priority Banking
Dah Sing ONE+ Credit Card
Citi Rewards Card
Hang Seng Travel+ Visa Signature Card
Citi PremierMiles Card
PrimeCredit WeWa Visa Signature Card
sim Credit Card
HSBC Red Credit Card
CNCBI GBA Dual Currency Credit Card
Standard Chartered Cathay Mastercard - Priority Private
sim World Mastercard®️
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
CNCBI Hong Kong Airlines Mastercard® Card
Airwallex Borderless Card
American Express® Gold Business Card
American Express® Platinum Credit Card
Blue Cash® Credit Card from American Express
Citi Rewards UnionPay Card
Dah Sing ANA World Mastercard
Dah Sing British Airways Platinum Card
Dah Sing MyAuto Credit Card
Dah Sing United MileagePlus World MasterCard
DBS COMPASS VISA
DBS Eminent Visa Signature Card
DBS Live Fresh Tertiary Student Card
DBS Live Fresh Card
HSBC easy Credit Card
HSBC Visa Gold Card
HSBC EveryMile Credit Card
HSBC UnionPay Dual Currency Card
HSBC Visa Gold Card for Students
PrimeCredit WeWa Visa Signature Card for University Student
PrimeCredit EarnMORE UnionPay Diamond Card
PrimeCredit EarnMORE UnionPay Card for University Student
AEON Visa Credit Card
AEON Mastercard Credit Card
AEON UnionPay Credit Card
AEON JCB Credit Card
AEON CARD WAKUWAKU
AEON Card JAL MasterCard
AEON SPCA Mastercard (Kitten)
AEON SPCA Mastercard (Puppy)
Standard Chartered Simply Cash Visa Card

Cashback

Cashback Dining
2 %
Cashback Overseas
2 %
Cashback Local
1 %
Annual Fee Waiver
First year

MoneyHero Reward up to HK$4,288

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local
3.6 %
Cashback Dining
3.6 %
Cashback Overseas
3.6 %
Annual Fee Waiver
First 2 years

MoneyHero Reward up to HK$4,980

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Dining
6 %
Cashback Local Online Shopping
6 %
Cashback Overseas Online Shopping
6 %
Cashback Overseas
10 %

MoneyHero Reward up to HK$2,100

MoneyHero's take

Card Details

Airmiles

Airmiles Overseas
As Low as $ 2 per mile
Airmiles Local
$ 6 per mile
Airmiles Dining
$ 6 per mile
Annual Fee Waiver
One year

MoneyHero Reward up to HK$2,880

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Up to 8% Cashback ​

Cashback Designated Local Spending
8 %
Cashback Online Shopping
4 %
Cashback Overseas
4 %
Annual Fee
Perpetual annual fee waiver

MoneyHero Reward up to HK$2,400

Bank Gift - On Top of MoneyHero's

Card Details

Up to 10% Cashback ​

Cashback Designated Local Spending
10 %
Cashback Online Shopping
5 %
Cashback Overseas
5 %

MoneyHero Reward up to HK$2,600

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Dining
2 %
Cashback Supermarket
1.5 %
Minimum Annual Income
HK$ 150,000
Annual Fee
Perpetual Annual Fee Waiver

MoneyHero Reward up to HK$4,980

MoneyHero's take

Card Details

Airmiles

Airport Lounge Access
Unlimited Times
Airmiles Overseas
$ 4.5 per mile
Airmiles Local
$ 7.5 per mile
Minimum Annual Income
No Requirement

MoneyHero Reward up to HK$9,768

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airmiles Dining
$ 4 per mile
Airmiles Overseas
$ 4 per mile
Airmiles Hotel Booking
$ 4 per mile
Airmiles Coversion Fee
Waived

MoneyHero Reward up to HK$5,980

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Designated Local Merchants
5 % CashBack
All Local and Overseas Spends
2 % Unlimited CashBack
All Supermarkets and Groceries
3 % Unlimited CashBack
Annual Fee Waiver
Perpetual

MoneyHero Reward up to HK$4,980

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Oversea Foreign Currencies Spending
Up to 6 % +Fun Dollars rebate
Online Retail Spending
Up to 5 % +Fun Dollars rebate
Dining / Electronics / Entertainment
Up to 1 % +Fun Dollars rebate
Annual Fee Waiver
Perpetual

MoneyHero Reward up to HK$5,680

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local
5 %
Cashback Supermarket
5 %
Annual Fee Waiver
Perpetual Annual Fee Waiver

MoneyHero Reward up to HK$4,980

MoneyHero's take

Card Details

Airmiles

Unlimited mileage rebates on spending
as low as $ 4 per mile
Overseas transaction fee
0 %
Interest Free Period
56 Days

MoneyHero Reward up to HK$4,690

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Overseas
5 %
Cashback Local
5 %
Cashback Dining
5 %
Annual Fee Waiver
First year

MoneyHero Reward up to HK$2,880

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Complimentary Access To Airport Lounges
8 times
Airmiles Travel
as low as $ 1.68 per mile
Airmiles Selected Everyday Dining
as low as $ 3.6 per mile
Annual Fee
HK$ 2,200

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airport Lounge Access
4 times
Airmiles Local
$ 4 per mile
Airmiles Overseas
$ 3 per mile
Min. Annual Income
HK$ 96,000

MoneyHero Reward up to HK$5,980

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Octopus

Cashback Local
1 %
Cashback Overseas
1 %
Cashback Octopus Top Up Spending
0.5 %
Annual Fee Waiver
First 2 year

MoneyHero Reward up to HK$2,600

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Points Rebate on Shopping
3 %
Points Rebate on Entertainment
3 %
Points Rebate on Local Mobile Payment
1 %
Annual Fee Waiver
First year

MoneyHero Reward up to HK$4,288

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Foreign Currency Spending rebate
Up to 7 %
Local Dining rebate
Up to 5 %
Local Transportation rebate
Up to 5 %
Annual Fee Waiver
Perpetual Annual Fee Waiver

MoneyHero Reward up to HK$1,000

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airmiles Local
HK$ 3.8 per mile
Airmiles Overseas
HK$ 3 per mile
Airport Lounge Access
12 times
Airmiles Conversion Fee
Waived

MoneyHero Reward up to HK$4,288

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local
4 %
Cashback Overseas
4 %
Annual Fee
HK$ 1,500

MoneyHero Reward up to HK$600

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local Merchants
Up to 3 %
Cashback Local Transportation
Up to 8 %
Annual Fee
HK$ 800
Annual Fee Waiver
First year

MoneyHero Reward up to HK$2,288

Bank Gift - On Top of MoneyHero's

Card Details

Cashback

Designated spending categories
1 %
Cashback Overseas Online Shopping
4 %
Annual Fee
Perpetual annual fee waiver

MoneyHero Reward up to HK$300

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback RMB Spending
10 %
Cashback Digital Wallet
4 %
Annual Fee Waiver
First year

MoneyHero Reward up to HK$2,100

MoneyHero's take

Card Details

Airmiles

Airport Lounge Access
10 times
Airmiles Dining
$ 4 per mile
Airmiles Overseas
$ 2 per mile
Airmiles Hotel Booking
$ 4 per mile

MoneyHero Reward up to HK$5,980

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local Online Shopping
Up to 8 %
Cashback Local
Up to 3 %
Annual Fee
HK$ 1,800
Annual Fee Waiver
First year

MoneyHero Reward up to HK$2,400

Bank Gift - On Top of MoneyHero's

Card Details

Cashback

Cashback China and Macau
4.4 %
Cashback Overseas
2.4 %
Cashback Dining
2.4 %
Annual Fee Waiver
First 2 years

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Overseas
HK$ 4 =1 FWC points
Cashback Overseas Online Shopping
HK$ 6 =1 FWC points
Annual Fee Waiver
First Year

MoneyHero Reward up to HK$2,100

Bank Gift - On Top of MoneyHero's

Card Details

Cashback

Cashback Local
1 %
Foreign Currency Transaction Fee
0 %
Min. Annual Income
No Requirement

MoneyHero Reward up to HK$400

MoneyHero's take

Card Details

Airmiles

Airport Lounge Access
2 times
Airmiles Overseas
As low as $ 6 per mile
Min. Annual Income
HK$ 200,000
Annual Fee
HK$ 980

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airport Lounge Access
Not Applicable
Airmiles Overseas
$ 5 per mile
Airmiles Local
$ 2.5 per mile
Airmiles Dining
$ 5 per mile

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local Online Shopping
1.2 %
Cashback Overseas
1.2 %
Cashback Local
1.2 %
Annual Fee Waiver
First Year

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Airmiles Local
$ 5 per mile
Cashback Local
1.85 %
Annual Fee Waiver
First year waiver

MoneyHero Reward up to HK$4,288

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airmiles Local
$ 8 per mile
Airmiles Overseas
$ 8 per mile
Annual Fee Waiver
First year

MoneyHero Reward up to HK$400

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airmiles Local
$ 6 per mile
Airmiles Overseas
$ 4 per mile
Annual Fee
HK$ 1,800

MoneyHero Reward up to HK$400

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Transportation

Local transportation cashback
8 %
Car-related Service Reward Point
8 X Bonus point
Annual Fee
HK$ 1,800
Min. Annual Income
HK$ 150,000

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airport Lounge Access
1 per quarter
Airmiles Local
HK$ 8 mile
Airmiles Overseas
HK$ 5 mile
Annual Fee Waiver
First 2 years

MoneyHero Reward up to HK$400

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Rebate on local supermarket spending
Up to 8 %
Rebate on designated daily household spending categories
Up to 2 %
Cashback Local Online Shopping
3 %
Cashback Local
1 %

MoneyHero Reward up to HK$200

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local
5 %
Cashback Overseas
5 %
Cashback Dining
5 %
Annual Fee Waiver
First year

MoneyHero Reward up to HK$2,880

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local
5.4 %
Cashback Overseas
0.4 %
Cashback Overseas Online Shopping
6 %
Annual Fee Waiver
First year

MoneyHero Reward up to HK$200

MoneyHero's take

Card Details

Cashback

Cashback Local
5.4 %
Cashback Overseas
0.4 %
Cashback Overseas Online Shopping
6 %
Annual Fee Waiver
First year

MoneyHero Reward up to HK$200

MoneyHero's take

Card Details

Cashback

Cashback Dining
2.4 %
Cashback Local
2.4 %
Cashback Supermarket
2.4 %
Annual Fee Waiver
First 2 years

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Dinning
2.4 %
Cashback Local
2.4 %
Cashback Overseas
2.4 %
Annual Fee Waiver
First 2 year

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Airmiles

Airport Lounge Access
6 times
Airmiles Local
$ 5 per mile
Airmiles Overseas
$ 5 per mile
Complimentary Travel Insurance
Yes

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local
2.4 %
Cashback Overseas
4.4 %
Airmiles Local
$ 4.17 per mile
Airmiles Overseas
$ 2.27 per mile

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Rewards of Your Choice category
2.4 %
Cashback Overseas
2.4 %
Cashback Overseas Online Shopping
2.4 %
Annual Fee Waiver
Perpetual annual fee waiver

MoneyHero's take

Card Details

Student

Cashback Local
4 %
Cashback Overseas
4 %
Annual Fee
HK$ 1,500
Annual Fee Waiver
First 5 years

MoneyHero Reward up to HK$600

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Local
2 %
Cashback Overseas
2 %
Annual Fee
HK$ 1,500
Annual Fee Waiver
First 2 years

MoneyHero Reward up to HK$800

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Student

Cashback Local
2 %
Cashback Overseas
2 %
Annual Fee
HK$ 1,500
Annual Fee Waiver
First 5 years

MoneyHero Reward up to HK$800

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Card Details

Cashback

Cashback Department Store
5 %
Annual Fee
Perpetual Annual Fee Waiver

MoneyHero's take

Card Details

Cashback

Cashback Department Store
5 %
Annual Fee
Perpetual Annual Fee Waiver

MoneyHero's take

Card Details

Cashback

Cashback Department Store
5 %
Annual Fee
Perpetual Annual Fee Waiver

MoneyHero's take

Card Details

Cashback

Cashback Department Store
5 %
Annual Fee
Perpetual Annual Fee Waiver

MoneyHero's take

Card Details

Cashback

Cashback Local Online Shopping
6 %
Cashback Overseas
3 %
Cashback Dining
1 %

MoneyHero's take

Card Details

Airmiles

Airmiles Overseas
$ 6 per mile
Airmiles Local
HK$ 8 per mile
Min. Annual Income
No Requirement

MoneyHero's take

Card Details

Cashback

Min. Annual Income
No Requirement
Min. Age
18 years old
Annual Fee
Perpetual Annual Fee Waiver

MoneyHero's take

Card Details

Cashback

Min. Annual Income
No Requirement
Min. Age
18 years old
Annual Fee
Perpetual Annual Fee Waiver

MoneyHero's take

Card Details

CashBack Credit Card

CashBack on spending in local currency
1.5 %
CashBack on spending in local currency
2 %

MoneyHero Reward up to HK$5,580

Bank Gift - On Top of MoneyHero's

Card Details