Find the Best Credit Cards in Hong Kong 2024

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

Suitable for customers who loves travelling

As low as HK$3=1mile and worldwide travel privileges

• Register via DBS Card+ now to enjoy as low as HK$3=1mile worldwide travel privileges including airport limousine transfer service, airport lounge & express pass and luggage delivery upon accumulating a retail spending of HK$80,000 from the next calendar day after successful registration in a certain spending phase. For details, please visit go.dbs.com/hk-black-distinction-en

Enjoy full year travel privileges 

• KLOOK InstaRedeem 20% off offer
• Up to 12% off on hotel booking offer from Expedia.com
• Up to 12% off on hotel booking offer from Hotels.com
• Up to 10% off on hotel booking from Agoda.com
• Up to 16% Wallet Credit Back on selected hotels booking at Booking.com

InstaRedeem 20% off on Online / Travel Merchant Spending

OpenRice 20% off via InstaRedeem

• Spend at OpenRice during the promotion period to enjoy 20% off via InstaRedeem (at the conversion rate of DBS$1 / $1 COMPASS Dollar = HK$1.25)

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.

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 and/or DBS COMPASS VISA) 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!

• First year annual fee waiver
• 6% Cash Rebate on dining and online spending all year round
• From 1 January till 31 December 2024, 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.
• 1.5% Cash Rebate on foreign currency spending
• From 1 July till 31 October 2024, Motion Credit Cardmembers can earn unlimited extra 1% Cash Rebate on foreign currency spending.
• 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 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!

• 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 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” refer to applicants who are currently holding and/or have ever held the Principal Card of any Hang Seng Credit Card / Affinity Card (excluding Spending Card and Private Label Card) during the 12 months immediately preceding the date of application. The Welcome Offers are not applicable to Principal Card customers who are currently holding and / or have ever held any enJoy Credit Card / Spending Card during the 12 months immediately preceding the date of application
• 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
• To borrow or not to borrow? Borrow only if you can repay!

• Spending Rewards - Overseas Foreign Currencies Spending 6% +FUN Dollars Rebate / Online Spending 5% +FUN Dollars Rebate / Selected spending categories 1% +FUN Dollars Rebate (Select 2 out of 3)

  • From 1 January 2024 to 31 December 2025 (both dates inclusive), customers who register via hangseng.com/mpower and accumulates monthly eligible spending of HK$5,000 or above can enjoy below spending rebates:
    • Overseas Foreign Currencies Spending 6% +FUN Dollars
    • Online Retail Spending 5% +FUN Dollars
    • Selected spending categories 1% +FUN Dollars (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 2024 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.
• +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.
• To borrow or not to borrow? Borrow only if you can repay!

• 3-months unlimited interest-free instalment plan - you can have more flexibility based on your personal financial situation.
  • Upon successfully apply for a credit card statement instalment plan with a tenor of 3 months through SC Mobile App or online and the Bank approving such application, the Cardholder will be entitled to interest and handling fee-free period for the first 3-months of the Credit Card Statement Instalment Plan for retail spending over HK$2,000 or above.
  • Note: Standard Chartered will reverse HK$1 CashBack on the「360° Rewards」Redemption Platform for every HK$180 instalment amount applied. For spending amounts that are not eligible to earn CashBack, Standard Chartered will also reverse HK$1 CashBack for every HK$180 instalment amount applied. Where there is insufficient CashBack balance on the「360° Rewards」Redemption Platform for deduction, a negative balance will be displayed.
• 5% CashBack at PARKnSHOP

  Year round offers: 5% CashBack at designated merchants like HKTVmall and 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, 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
• 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!

• Free Access of Priority Pass lounges globally
  • Complimentary access to over 1,300 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 240,000 Points^ every year (equivalent to 20,000 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 on Citi Prestige Digital Concierge 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 a new way to earn CashBack from Mox Credit. All you need is Mox Credit to earn Unlimited CashBack for all your spendings all year round with no cap and no category limits

• Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.
• Enjoy 2% Unlimited CashBack anytime, everywhere: if you keep HK$75,000 in your Mox Account to enjoy high savings rate and unlock 2% Unlimited CashBack on all your spendings! No cap and no categories limit!
• Earn 1% Unlimited CashBack: if you are not keeping enough savings with Mox. Start earning with no limit now!

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.
• From 4 May 2021, earn 1% Unlimited CashBack when spending with Mox Credit on eligible transactions. CashBack terms and conditions apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.
• From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of at least HK$75,000 in your savings accounts with Mox (excluding any balances held in your Time Deposit Account(s)) at the time you make the relevant transaction. 
• From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited. 
• General Terms and Conditions (in particular, see Schedule 3 to the General Terms and Conditions) and Split Purchase Cash Rewards Promotion Terms and Conditions apply.
• Monthly Average Balance refers to the average of your HKD deposit balance on all calendar days in a calendar month.
• Terms and conditions apply.
• Mox disclaimer applies.

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 Rewards points = 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 150 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 Rewards points = 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 150 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 Rewards points = 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

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$2,200 Statement Credit
  • For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html
• Complimentary Access to The Centurion Lounges
  Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges including Hong Kong International 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
• 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$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.

Dining Offer
Basic and Supplementary Cardmember can enjoy

• Global Dining Credit
  Benefit of up to HK$2,000 Dining Credit annually, 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 abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024
  • Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.
• 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.
• 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: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.
  • The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
• Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.
• Enjoy 30% saving on a la carte food menu for all day dine-in at participating restaurants of LKF Concepts.

• 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.

• 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.

• 4% Cash Rebate on RMB and designated mobile wallet spending
  • From 1 July 2024 till 31 December 2024, 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$400 Cash Rebate per month.
• Extra 6% Cash Rebate on RMB spending
  • From 1 July 2024 till 31 December 2024, 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$600 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer
• Up to 50% Cash Rebate on designated GBA hotels
  • From 8 July 2024 till 31 December 2024, CNCBI GBA Dual Currency Credit Cardmembers can enjoy up to 50% Cash Rebate (up to HK$500 per stage) on designated hotel bookings at GBA (Guangzhou, Shenzhen, Zhuhai, Zhongshan, Dongguan, Huizhou, Jiangmen, Foshan, Zhaoqing)
  • Required to obtain the promotional code of Hotel Offer via the Wing On Travel (“Merchant”) promotional page (https://hk.wingontravel.com/3L6KX4r). The Merchant will refresh the promotional code (“Designated Promotional Code”) at 10:00am on the 8th calendar day of each calendar month. The validity period of each promotional code is one month, from 10:00am on the 8th calendar day of each calendar month to 09:59am on the 8th calendar day of next calendar month (“Each Stage”). GBA Cardmember shall register as the Merchant’s member via the Merchant’s website (https://www.wingontravel.com) or mobile application (“Wing On Travel App”), then make order of designated hotel booking via the Merchant’s website or Wing On Travel App by the GBA Credit Card and input the Designated Promotional Code of the month before payment to enjoy the Offer. The Offer is available on a first come first served basis while stock last. During Each Stage, GBA Cardmember is entitle to redeem the Designated Promotional Code once only, which means Hotel Offer can be enjoyed once only in Each Stage.
• 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!

Launch of WeWa Club Enjoy endless offers and jetso

• Everyone can join WeWa Club for free and enjoy endless shopping, dinning, entertainment offers and jetso! 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 Travel, Cinema, Karaoke, Theme park spending (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.

• Exemption of foreign transaction fees

• Welcome offers, HK$200 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
• Each card can be entitled to a maximum amount of HK$2,000

• Welcome offer HK$500 cash rebate
• Unlimited 1% cash rebate on local and overseas rebate spending
• 0.5% cash rebate on Octopus reload amount
• First 2-year annual fee waiver

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

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU

Terms and Conditions of Dah Sing ONE+ Credit Card

• Up to 8% cashback for online retail spending
• 3 % cash rate for eligible spending at designated local merchants（Designated local merchant includes： Adidas, Fila, PUMA, @cosme STORE, Matsumoto Kiyoshi, Reebok, Tokyo Lifestyle）
• Cashback will be capped at HK$200 per month

Thanksgiving Days

• Cardholder is entitled to 5% credit purchase discount at AEON on "AEON Thanksgiving Days" (2nd & 20th of every month) Except fast food, licensee and specified items

Enjoy more savings all year-round with the "AEON Member Price"

No Mark Up Fee on Foreign Currency Transaction

• No transaction fee is imposed by AEON on foreign currency transactions (except charges imposed by Cards Associations). For details, please refer to the terms in credit card fee schedule and key facts statement

• Terms and Conditions apply, subject to AEON's website. For the latest details, please refer to AEON's website.

• Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$3.6 = 1 mile on selected online everyday spend merchants.

  Local Currency Spend	HK$1 = 3 Membership Rewards points (HK$6 = 1 mile / 1% cash rebate）
  Foreign Currency Spend	HK$1 = 3 Membership Rewards points (HK$6 = 1 mile / 1% cash rebate） / Click Here and Register: HK$1 = 10.75 Membership Rewards points (HK$1.68 = 1 mile）
  Airlines and Selected Online Travel and Everyday Spend Merchants Include: Amazon.com, Apple, Deliveroo, foodpanda, Netflix, Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE	HK$1 = 5 Membership Rewards points (1.67% cash rebate / HK$3.6 = 1 mile)

  • Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.

• No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.

  • You can transfer your points into 9 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.
  • You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.

• Travel Privileges - take care of your travel needs

  • Complimentary Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.
  • Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.

• Shopping Protection
  Spend with the Card to enjoy the following protection:

  • 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.

• Entertainment and Shopping Privileges

  • 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.

• First year annual fee waiver upon successful card application
  • Spend HK$150,000 annually with the principal and any supplementary card(s) and your HK$2,200 annual card fee will be waived for the following year.

Things to know

• Welcome Offer Terms and conditions apply.
• Existing American Express Explorer Credit Card Basic Cardmembers and applicants who held the Basic Card of American Express Explorer Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and first-year annual fee waiver.
  • Gift eligibility is based on the application date of the approved application, but not approval date 
• Online bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.

• Enjoy an “Interest-free Payment Holiday” for the first two months

  • You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required).

• HK$2 spent = 1 mile on designated everyday spend; HK$5 spent = 1 mile on local purchases; as low as HK$2 = 1 mile from the exclusive overseas spending offer

  Designated merchants include: Netflix, Disney+, Citybus, First Bus, Caltex, TenRen’s Tea, eCup, MOOV and etc. (complete full merchant list)

• First year annual fee waiver

• Use your RewardCash to redeem amazing rewards or miles / points at 15+ frequent flyer and hotel loyalty programmes, including Aeroplan, Asia Miles™, British Airways Executive Club Avios, Singapore Airlines KrisFlyer, Emirates Skywards, Finnair Plus, Infinity MileageLands etc.
  • Please refer to HSBC website for the complete list of flyer and hotel loyalty programmes.

• Enjoy up to 15% off on hotel bookings worldwide with Agoda and monthly flash offers
• Lounge Access

  • Jul - Aug 2024: 1 complimentary visit to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets

  • Sep - Dec 2024: 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets
    • Customers are required to spend HK$4,000 or above within 60 days after access to the lounge/ enjoy the meal
    • If not the spending target cannot be fulfilled, customers will be charged with HK$250
    • Terms and Conditions apply

• Complimentary travel insurance for you and your accompanying family members with special coverage on mobile phone and in the event of trip cancellation

• Visa concierge services

• Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).

Other things to note

• The Online Welcome Offer Promotional Period starts from 1 March 2024 to 28 February 2025
• The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
• To enjoy up to 15% off on hotel bookings with Agoda, bookings must be made ia designated Agoda website (www.agoda.com/hsbceverymile ) or by accessing the Agoda mobile app through the designated Agoda website.

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

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

• 2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending (HK$250 spending = HK$5 cash rebate)
• 1% cash rebate on applying Octopus Automatic Add Value Service with EarnMORE UnionPay Card at every reloading (HK$250 spending = HK$2.5 cash rebate)

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

Other things to note

• Welcome offers, HK$200 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
• Each card can be entitled to a maximum amount of HK$1,500 extra 1% cash rebate during the Promotion Period.
  • Eligible Retail Purchase Transactions include to all posted retail purchase transactions and exclude Reload of e-Wallets.
  • The promotion period of 2% year-round rebate is valid from 1 January 2024 to 31 December 2024.

• Online transactions: up to 4% RewardCash rebate (capped at HK$10,000 per month) (equivalent to HK$2.5 per air mile); 1% rebate for remaining spending
• Local supermarket transactions: 2% RewardCash rebate (equivalent to HK$5 per air mile)
• Other local and overseas transactions: 1% RewardCash rebate (equivalent to HK$10 per air mile)
• Octopus Automatic Add-Value Service and online bill payments transactions: 0.4% RewardCash rebate (equivalent to HK$25 per air mile)
• Terms and Conditions apply

Exclusive handling fee offer for Spending Instalment as low as HK$50

TamJai Yunnan Mixian and TamJai SamGor Mixian: Enjoy a maximum of an extra $35 RewardCash each month via HSBC Reward+ Stamp Cards

McDonald’s: Enjoy a maximum of an extra $40 RewardCash each month via HSBC Reward+ Stamp Cards

MCL Cinemas: Enjoy a maximum of an extra $90 RewardCash each month via HSBC Reward+ Stamp Cards

Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).

Other things to note

• Make eligible transactions with single net spending amount of HK$60 or above at TamJai Yunnan Mixian or TamJai SamGor Mixian to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximun of 8 stamps in each phase.
• Make eligible transactions with single net spending amount of HK$30 or above at McDonald’s to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximum of 8 stamps each month.
• Make eligible transactions with single net spending amount of HK$50 or above at MCL Cinemas to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximum of 9 stamps in each phase.
• To borrow or not to borrow? Borrow only if you can repay!

Cathay Travel Privileges

• Cathay Pacific Business Class Lounge Access 4 times per year
• Check-in at the Premium Economy Class counters and enjoy the same priority boarding services for Premium Economy Class passengers

• 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.

• Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date.

• "New Standard Chartered clients" refer to those who must fulfill the requirements of both "New cardholders" and "New banking clients" simultaneously as listed below:

  • "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.
  • "New Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.
• To enjoy the full benefits of Standard Chartered Cathay Mastercard - Priority Banking, cardholder is required to be an existing Priority Banking client or a New Banking Client who signs up for Priority Banking upon card application. The cardholder is also required to maintain HK$1,000,000 or above Average Daily Relationship Balance starting from the second calendar month from card issuance date.
• 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.
• No annual fee will be refunded if the card is terminated. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid.
• 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

• Spending Rewards - Foreign Currencies Spending up to 7% +FUN Dollars Rebate / Local Dining up to 5% +FUN Dollars Rebate / Local Transport up to 5% +FUN Dollars Rebate

  • From 24 March 2024 to 31 December 2024 (both dates inclusive), customers who register via https://hangseng.com/travelplus and accumulates monthly eligible spending of HK$6,000 or above can enjoy below spending rebates:
    • Foreign currency spending in Japan, Korea, Thailand, Singapore and Australia up to 7% +FUN Dollars
    • Other Foreign Currencies Spending up to 5% +FUN Dollars
    • Local Transport Spending up to 5% +FUN Dollars
    • Local Dining Spending up to 5% +FUN Dollars
  • Rebates for Overseas Spending, Local Transport and Local Dining Spending mentioned above have included basic 0.4% +FUN Dollars on Hang Seng Credit Card (HKD250 retail spending can earn $1 +FUN Dollar). During the Promotion Period, customers can enjoy up to extra $500 +FUN Dollars in total per month
  • Terms and conditions apply. Please visit https://hangseng.com/travelplus for details, terms and conditions of 2024 Travel+ Visa Signature Card +FUN Dollars Rewards.

• If the customer has 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 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 extra +FUN Dollars rebate will be calculated for the Eligible Retail Spending till the last day of every calendar month. The extra +FUN Dollars rebate will be automatically credited into the Eligible Credit Card account following the schedule below after each calculation. The credit card account should remain valid and in good standing when the relevant +FUN Dollars rebate is credited.

  • Transaction month of eligible transaction	Schedule of crediting into the Eligible Credit Card account
    24 to 31 March 2024	By 31 July 2024
    1 to 30 April 2024	By 31 July 2024
    1 to 31 May 2024	By 31 July 2024
    1 to 30 June 2024	By 31 July 2024
    1 to 31 July 2024	By 31 August 2024
    1 to 31 August 2024	By 30 September 2024
    1 to 30 September 2024	By 31 October 2024
    1 to 31 October 2024	By 30 November 2024
    1 to 30 November 2024	By 31 December 2024
    1 to 31 December 2024	By 31 January 2025

• Starbucks Combo Set Redemption Offer
  • From 1 May to 31 Dec 2024, simply make the payment with a physical Hang Seng Travel+ Visa Signature card, you can use HKD10 to redeem a selected combo set worth up to HK$90 at all Starbucks stores in the Hong Kong International Airport. Terms and Conditions apply.
• Travelsure Protection Plan +FUN Dollars Reward
  • From now till 31 Dec 2024, you can earn up to 10x +FUN Dollars reward by successfully applying for Travelsure Protection Plan via Hang Seng using Travel+ Visa Signature Card
    • Single Trip Cover: up to 2x +FUN Dollars reward with 25% premium discount
    • Annual China Cover: up to 10x +FUN Dollars reward with 20% first-year premium discount
    • Annual Global Cover: up to 10x +FUN Dollars reward with 30% first-year premium discount
  • Terms and Conditions apply. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited.
• +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.
• To borrow or not to borrow? Borrow only if you can repay!

• Enjoy 10% off upon dine-in or self-pickup takeaway spending of HK$200 or above with MUJI Card in specific periods of time at Café&Meal MUJI
• For every HK$100 spending with MUJI Card at MUJI physical stores in Hong Kong, you will earn $5 MUJI Dollars that can be used as cash for next purchase at MUJI physical stores
• Enjoy extra $5 MUJI Dollars for every HK$100 spending with MUJI Card at MUJI physical stores in your birthday month, which equivalent to double MUJI Dollars
• The extra reward for each eligible MUJI Card of this Promotion is limited to a maximum of extra $100 MUJI Dollars in the birthday month
• 10% off Dining Offer is valid from Monday to Sunday 14:30 onwards (counted by sit-in time for dine-in and order time for self-pick takeaway respectively), except public holidays.
• If the customer has held a Hang Seng MUJI Visa Platinum 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.
• 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.
• Advertising information is provided by Hang Seng Bank Limited
• To borrow or not to borrow? Borrow only if you can repay!

• Exclusive offers for business travel

• Airwallex Borderless Cards support international transactions in 140+ currencies - start saving on international payment

• Regain control and visibility on business spending

• Enjoy unlimited 1% cash rebate on your local and international spending

• No charge on account opening. No maintenance fee.

Other things to note

• Companies are required to apply for an Airwallex account before they can issue Airwallex Borderless cards online.
  • Companies can issue Airwallex Borderless cards in their accounts if they hold a valid HKBR.
• Airwallex Borderless Card is only available as virtual card at the moment.
• Airwallex is not a bank and is not supervised by the Hong Kong Monetary Authority.
  • Airwallex is a holder of Money Service Operators License in Hong Kong.