Discover the Credit Card That Best Fits Your Needs With Money Hero
Updated: 15 Oct 2025
Card | Hot Reward Pick | MoneyHero Reward | Card Benefit | Minimum Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Citi Cash Back Card | HK$9,560 | 1 - 2 % cashback | HK$120,000 | HK$1,800 | ||
 | BOC Chill Platinum Mastercard | HK$2,400 | 4 - 8 % | HK$150,000 | Perpetual annual fee waiver | ||
 | sim Credit Card | HK$6,580 | 0.4 - 8 % cashback | No Requirement | HK$800 | ||
 | The Platinum Card® | HK$8,668 | $4.5 - 7.5 per mile | No Requirement | HK$9,500 | ||
 | BOC Cheers Visa Signature Card | HK$2,100 | $1.9 per mile | HK$150,000 | HK$2,000 | ||
 | Dah Sing ONE+ Credit Card | HK$2,100 | 0.5 - 1 % cashback | HK$150,000 | HK$1,800 | ||
 | Hang Seng MMPOWER World Mastercard® | HK$7,460 | 1 - 6 % cashback | HK$150,000 | Perpetual Annual Fee Waiver | ||
 | Standard Chartered Smart Credit Card | HK$4,980 | 0.5 - 5 % cashback | HK$96,000 | Perpetual Annual Fee Waiver | ||
 | Standard Chartered Cathay Mastercard | HK$5,980 | $2 - 6 per mile | HK$96,000 | HK$2,000 | ||
 | BOC Chill World Mastercard | HK$2,600 | 5 - 10 % | HK$300,000 | Annual Fee Waiver | ||
 | BOC Cheers Visa Infinite Card | HK$2,100 | $1.5 per mile | HK$600,000 | HK$3,800 | ||
 | DBS Black World Mastercard® | HK$4,980 | $4 - 12 per mile | HK$240,000 | HK$3,600 | ||
 | Mox Credit Card (CashBack) | HK$2,799 | 1 - 3 % cashback | No Requirement | Perpetual Annual Fee Waiver | ||
 | CNCBI Motion Credit Card | HK$988 | 0.4 - 10 % cashback | HK$96,000 | HK$1,800 | ||
 | Hang Seng enJoy Card | HK$6,760 | 0.5 - 2 % cashback | HK$150,000 | Perpetual Annual Fee Waiver |
- Dining rebate
- Overseas rebate
- Unlimited rebate
- High-priced welcome gifts
- 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.
Earn up to 8% Cash Rebate at selected merchants and categories
- Chill Merchants Spending 8% Cash Rebate
- Overseas & Online Spending 4% Cash Rebate
- Other Eligible Spending 1 Gift Point upon HK$1 spending
Chill Easy 3-month instalment handling fee rebate for the first 3 months from the date of card issuance
- “Chill Easy” is applicable for transaction at HK$1,000 or above. For example, for a loan amount of HK$50,000, with personalized monthly handling fee of 0.18% of loan amount and apply via e-Channel, the fee in APR is 3.29% for 3-month loan tenor. An APR is a reference rate which includes the basic fees and charges of this product expressed as an annualised rate, such as monthly handling fee and upfront administration fee (if any).
New Customers can enjoy HK$300 Cash Rebate
Snap up the「Chill Date」Movie, Concert and Entertainment Events tickets every month!
- BOC Chill Card cardholders can grab 2 tickets to designated movie screenings / music concerts / entertainment events on designated Wednesday every month
Other things to note
- Welcome offer is applicable to applicants not yet holding or have not cancelled any BOC Credit Card in the past 12 months from the date of application
- Unless otherwise specified. Terms and conditions apply, please refer to https://www.bochk.com/dam/boccreditcard/chillcard/eng/index615.html and related promotion materials for details. Bank of China (Hong Kong) Limited and BOC Credit Card (International) Limited reserves the right to change, suspend or terminate the Offer or amend the terms and conditions at its sole discretion without prior notice.
- The cash rebate is meant exclusively for retail purchases and cannot be used for cash advances, settlement of financial charges or any previous outstanding balance accrued before the cash rebate is credited. The cash rebate cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.
Cashback on all spending, local or online
- Up to 8% cash rebate for online retail spending (after accumulating eligible non-online retail spending of HK$1,000 in the month, Eligible Online Retail Transactions with a single net transaction of HK$500 or more during the month will earn 8% cash rebate for eligible online retail spending)
- Up to 8% cash rebate for local transportation（Eligible Local Transportation include: CityBus and Cityflyer, KMB, LWB, MTR, Tram and Star Ferry）
- 3% cash rebate for eligible spending at designated local merchants（Designated local merchant includes： Adidas, Fila, PUMA, @cosme STORE, Matsukiyo HK, Tokyo Lifestyle）
- Cashback will be capped at HK$200 per month
Terms and Conditions apply: https://www.thesim.com/en/legal
“Eligible Retail Transactions” shall not include cash advance transactions, payments of any Fees and Charges of a Card (e.g. annual fees, interest or finance charges, late charges, over-the-limit handling charges, cash advance handling fees and other charges), payment to the Inland Revenue Department and/or any other relevant authorities, tolls, road and bridge fees, online bill payment or utilities bill or all payments to and/or transactions with any insurance company (including but not limited to insurance premium payment), all donation and/or payment to any charitable or social service organizations, purchase of any cash coupon or cash voucher, payments for any unit trusts or mutual funds, casino transactions (including but not limited to gambling transactions), any money or electronic money transfer (including but not limited to transfers via person to person (P2P) payment services or mobile device, application, electronic funds transfer platform), reload/ transfer/ payment transactions made via or in relation to electronic wallets (including but not limited to Alipay, WeChat Pay, PayMe), reload of stored value accounts, Octopus top-up transactions by any means (including but not limited to Automatic Add Value Service (AAVS), online or through mobile), cash withdrawal, loan on Card, instalment amount, unposted transactions, cancelled transactions, returned transactions, counterfeit transactions or any other unauthorized transactions. The Card Issuer’s records with respect to the Eligible Cardholder on the amount of Eligible Retail Transactions accumulated from time to time are conclusive and binding on the Eligible Cardholder. All Eligible Retail Transactions shall be determined based on the merchant codes assigned by the related card associations worldwide and the Card Issuer, which may be varied from time to time without prior notice. If there is any dispute regarding any Eligible Retail Transactions, the decision of the Card Issuer shall be final and conclusive.
- Travel insurance
- Dining discount
- Airport lounge
- Travel agency offer
Travel Offer
- American Express Travel Online Benefit
Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$1,100 Statement Credit- For details, please refer to American Express Travel Online Benefit | American Express Hong Kong
- Complimentary Access to The Centurion Lounges
Enjoy over 1,550 lounges access over the world, and complimentary access to The Centurion Lounge including Hong Kong International Airport, Tokyo Haneda Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport. - Fine Hotels & Resorts
Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available, including Park Hyatt Niseko Hanazono, InterContinental Osaka, Grand Hyatt Seoul, Conrad Seoul and Capella Bangkok - Elite partner programs
Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status - The Hotel Collection
Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels. - Comprehensive Travel Insurance
Travel Accidents coverage of up to HK$3,000,000, Medical Assistance and expense up to HK$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.
New offer launched in August！The Country Club at Hong Lok Yuen Admission Privilege
Basic Cardmembers of The Platinum Card can enjoy complimentary access to The Country Club at Hong Lok Yuen for 2 times per calendar month upon successful registration through designated link. Promotion details please refer to The Country Club at Hong Lok Yuen Admission Privilege | American Express HK.
Dining Offer
Basic and Supplementary Cardmember can enjoy
- Global Dining Credit
Year-round benefit of up to HK$2,000 Global Dining Credit, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for overseas dining at over 1,400 abroad restaurants and in 20 locations around the world.- Promotion details please refer to Global Dining Credit | American Express Hong Kong
- NEW! Enjoy up to 30% savings at selected restaurants of Elite Concepts.
- 30% savings on the original price of the designated menu at participating restaurants, including yè shanghai – Tsim Sha Tsui/ Admiralty, Nanhai No. 1, Nanhai No. 2, Deng G Sichuan
- 20% savings on the original price for access and dining at Penthouse.
- Promotion details please refer to Elite Concepts l American Express HK
- NEW! Enjoy up to 30 % savings on the a la carte menus at selected restaurants of JIA Group, including Chachawan, Duddell’s, La Terrace by Louise and Leela
- Promotion details please refer to JIA Group l American Express HK
-
NEW! Enjoy 30% savings on the original price of the designated dinner menu at participating restaurants of Wooloomooloo Group
- Designated restaurants include: MOOO! – Tsim Sha Tsui, OMAROO Grill – Central, Wooloomooloo Steakhouse - Tsim Sha Tsui East, Wooloomooloo Steakhouse - Wan Chai and Wooloomooloo Prime – Tsim Sha Tsui
- Promotion details please refer to Wooloomooloo Group | American Express HK
- Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
- Promotion details please refer to Maxim's Dining | American Express HK
- Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
- Designated restaurants of Cafe Deco Group includes: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
- The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
- Promotion details please refer to Cafe Deco | American Express HK
- Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.
Earn Rewards points when you spend with the Card
- Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.67%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 240 Membership Reward points Points = HK$1 Redemption Points
- Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.33%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 240 Membership Reward points Points = HK$1 Redemption Points
- Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 1%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Lifestyle Offer
- Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
- Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cookedDeli in Hong Kong.
Shopping Protection
- Online Fraud Protection GuaranteeShop online with the Card and you won't be held responsible for any fraudulent charge.
- Return GuaranteeRefund if you are unhappy with the purchase made with the Card.
- Extended WarrantyWhen purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
- Price ProtectionRefund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
- 45 Days CoverAlmost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
-
Terms and Conditions apply.
Reminder
- The Platinum Card® Year-Round Offers Terms and Conditions apply.
- Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)
- Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.
- The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
- Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.
- Dining rebate
- Oversea rebate
- Airport lounge
- Welcome offer: Air miles
Exclusive Offers:
- 15% off when booking flights: 15% off when booking flights on Qatar Airways website
- Get 2 free airport lounge visits every quarter upon accumulated HK$15,000 spending, which can be shared with accompanying guests
Cash rebate conversion*
- Up to 8X Gift Points on Dining and Travel Spending (monthly retail spending requirement of HK$5,000), equivalent to 3.2% Cash Rebate (Monthly Capped at 180,000 Points, equivalent to HK$720 Cash Rebate)
- Basic Cash Rebate conversion rate : 250 Points = HK$1
Airmile rebate conversion*
- Up to 8X Gift Points on Dining and Travel Spending (monthly retail spending requirement of HK$5,000), equivalent to $1.9/ mile (Monthly Capped at 180,000 Points, equivalent to 12,000 miles)
- Basic conversion rate : 15 Points = 1 mile
Conversion partner : CX Asia Miles, China Eastern Airline - Eastern Miles, Air China - Phoenix Miles - Miles conversion fee waived
* Gift points can be converted to cash rebate or airmile
Enjoy first year annual fee waiver for the main card, and perpetual annual fee waiver for additional cards. Annual fee will be waived for main cardholders holding a BOC Private Banking, Private Wealth or Wealth Management account
Other things to note
- Applicants who are existing main cardholders of BOC Credit Card, and/or BOC Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Intown Virtual Card, US Dollar Card, Credit Card issued in Macau SAR and Private Label Card are all excluded), or have cancelled the above cards or were once cardholders of the above cards in the 12 months prior to the date of application will not be entitled to the welcome offer for main cardholders upon approval of application.
- The Gift Points cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.
- Terms and conditions apply，please refer to thehttps://www.bochk.com/dam/boccreditcard/cheerscard_615/eng/index.html
- Overseas rebate
- Online Spending
- Local spending rebate
- First 2 year annual fee waiver
- HK$500 cash rebate Welcome offer
- Unlimited 1% cash rebate on local and overseas retail 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
- Online retail spending rebate
- Overseas foreign currency spending rebate
- Selected spending categories rebate
- No Annual Fee
-
Spending Rewards - The best in town* up to 5% +FUN Dollars rebate for Online retail spending / up to 6% +FUN Dollars for oversea foreign currencies spending / selected spending categories up to 1% +FUN Dollars Rebate (Select 2 out of 3)
- From 1 July 2024 to 31 December 2025 (both dates inclusive), customers who register for Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme via hangseng.com/mpower and accumulates monthly eligible spending of HK$5,000 or above can enjoy below spending rebates:
- Overseas Foreign Currencies Spending up to 6% +FUN Dollars rebate
- Online Retail Spending up to 5% +FUN Dollars rebate
- Selected spending categories up to 1% +FUN Dollars rebate (Select 2 out of 3: Dining (dine-in and takeaway at restaurant outlets; fast food not included), Electronics, Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spendings and more)
- Rebates for Overseas Spending, Online Retail Spending and Self-Selected Categories Spending mentioned above have included basic 0.4% +FUN Dollars on Hang Seng Credit Card (HKD250 retail spending can earn $1 +FUN Dollar) and extra rebate. During the Promotion Period, customers can enjoy up to extra $500 +FUN Dollars in total per month
- Terms and conditions apply. Please visit hangseng.com/mpower for details, terms and conditions of MMPOWER World Mastercard +FUN Dollars Rewards.
- From 1 July 2024 to 31 December 2025 (both dates inclusive), customers who register for Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme via hangseng.com/mpower and accumulates monthly eligible spending of HK$5,000 or above can enjoy below spending rebates:
- World Mastercard Privileges
- Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.
- If the customer has held a Hang Seng MMPOWER World Mastercard® as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
- “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
- +FUN Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 3 months upon fulfillment of the spending requirement(s). The relevant credit card account must be still valid and in good standing when +FUN Dollars are credited
- +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.
- MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation.
- Hang Seng reserves the right to amend these Terms and Conditions at any time
- To borrow or not to borrow? Borrow only if you can repay!
-
*As of May 14, 2025, the monthly cash rebate cap of the MMPOWER World Mastercard® is higher than that of similar products in the market for the same spending categories.
- Installment
- No foreign txn fee
- Local spending rebate
- Annual Fee waiver
- 5% CashBack at PARKnSHOP
Year round offers: 5% CashBack at designated merchants like Klook and more
- Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
- From 2023 onwards, JHC will be added as a designated merchant
- Other designated merchants include 759 Store, Circle K Convenience Store, HKTVmall, Klook, SaSa, Watsons, Decathlon, China Mobile Hong Kong (from 9 June 2023 onwards) and Deliveroo (from 1 April 2023 onwards) etc.
- Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.
- No minimum spending requirement.
- The cap of 5% CashBack earned within the promotion period is HK$3,000. (You will reach the cap when you spend HK$60,000 at selected merchants.)
- Other retail transactions (including online transactions and interest-free monthly instalment), Octopus Automatic Add-Value transactions and PayMe top-up transactions are entitled to 0.55% CashBack.
- Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
- Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
- Perpetual annual fee waiver
- No foreign transaction fee
- No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.
- No cash advance fees
Extra CashBack Basic CashBack Total CashBack# Monthly Eligible Spending* CashBack for Eligible Transactions made at Designated Merchants Spending Cap per Monthly Statement Cycle CashBack for Eligible Transactions Spending Cap per Monthly Statement Cycle HKD 4,000 to HKD 14,999 4.44% HKD5,000^ 0.56% No Cap 5% HKD 15,000 3.80% 1.2% 5% - Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
- New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
- Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants
- You are required to redeem CashBack through the 360° Rewards Redemption Platform.
- The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
- Cardholders are required to redeem CashBack through the platform.
- The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.
- Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
To borrow or not to borrow? Borrow only if you can repay!
- Welcome offer: Air miles
- Air miles conversion
- Hotel bookings offer
- Overseas rebate
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
10% discount on Asia Miles Awards redemption
- 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.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
First-year annual fee waiver
- 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.
Other things to note
- 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
- Oversea rebate
- Online shopping rebate
- Designated spending rebate
- No Annual Fee
Earn up to 10% Cash Rebate at selected merchants and categories
- Chill Merchants Spending 10% Cash Rebate
- Overseas & Online Spending 5% Cash Rebate
- Other Eligible Spending 1 Gift Point upon HK$1 spending
Chill Easy 3-month instalment handling fee rebate for the first 3 months from the date of card issuance
- “Chill Easy” is applicable for transaction at HK$1,000 or above. For example, for a loan amount of HK$50,000, with personalized monthly handling fee of 0.18% of loan amount and apply via e-Channel, the fee in APR is 3.29% for 3-month loan tenor. An APR is a reference rate which includes the basic fees and charges of this product expressed as an annualised rate, such as monthly handling fee and upfront administration fee (if any).
Snap up the「Chill Date」Movie, Concert and Entertainment Events tickets every month!
- BOC Chill Card cardholders can grab 2 tickets to designated movie screenings / music concerts / entertainment events on designated Wednesday every month
Other things to note
- Welcome offer is applicable to applicants not yet holding or have not cancelled any BOC Credit Card in the past 12 months from the date of application
- Unless otherwise specified. Terms and conditions apply, please refer to https://www.bochk.com/dam/boccreditcard/chillcard/eng/index615.html and related promotion materials for details. Bank of China (Hong Kong) Limited and BOC Credit Card (International) Limited reserves the right to change, suspend or terminate the Offer or amend the terms and conditions at its sole discretion without prior notice.
- The cash rebate is meant exclusively for retail purchases and cannot be used for cash advances, settlement of financial charges or any previous outstanding balance accrued before the cash rebate is credited. The cash rebate cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.
- Dining rebate
- Oversea rebate
- Airport lounge
- Fine dining
Exclusive Offers:
- 15% off when booking flights on Qatar Airways website
- 25% off when booking the same hotel for 4 nights or more on Hotels.com
- Share airport lounge access with accompanying guests, get 2 free visits every quarter upon accumulated HK$15,000 spending
- Get complimentary personal accident insurance when paying for flights/accommodations with the card
- Buy-one-get-one-free on selected set menus at premium restaurants (e.g.: Ming Court, Summer Palace, ami, SOMM)
Cash rebate conversion*
- Up to 10X Gift Points on Dining and Travel Spending (monthly retail spending requirement of HK$5,000), equivalent to 4% Cash
Rebate (Monthly Capped at 300,000 Points, equivalent to $1,200 Cash Rebate) - Basic Cash Rebate conversion rate : 250 Points = HK$1
Airmile rebate conversion*
- Up to 10X Gift Points on Dining and Travel Spending (monthly retail spending requirement of HK$5,000), equivalent to $1.5/ mile
( Monthly Capped at 300,000 Points, equivalent to 20,000 miles) - Basic conversion rate : 15 Points = 1 Mile
Conversion partner : CX Asia Miles, China Eastern Airline - Eastern Miles, Air China - Phoenix Miles - Miles conversion fee waived
* Gift points can be converted to cash rebate or airmile
Enjoy first year annual fee waiver for the main card, and perpetual annual fee waiver for additional cards. Annual fee will be waived for main cardholders holding a BOC Private Banking, Private Wealth or Wealth Management account
Other things to note
- Applicants who are existing main cardholders of BOC Credit Card, and/or BOC Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Intown Virtual Card, US Dollar Card, Credit Card issued in Macau SAR and Private Label Card are all excluded), or have cancelled the above cards or were once cardholders of the above cards in the 12 months prior to the date of application will not be entitled to the welcome offer for main cardholders upon approval of application.
- The Gift Points cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.
- Terms and conditions apply，please refer to the https://www.bochk.com/dam/boccreditcard/cheerscard_615/eng/index.html
- Travel agency offer
- Welcome offer: Air miles
- Air miles conversion
- No expiry air miles
Smartphone Application Guide
- Apply for a DBS Black World Mastercard through the MoneyHero mobile website to earn exclusive welcome offers plus an additional HK$50 InstatRedeem from DBS Card+. For details, please visit DBS website.
- Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
- After filling out your email, directly access the pop-out App Store / Google Play Store page to download and open the DBS Card+ HK app.
- Directly apply for the specified DBS credit card within the app, and check your email inbox to fill out the reward claim form.
- If you want to continue applying through the desktop website:
After accessing the bank's official website through MoneyHero, please use the "New Customer" column "Apply Now" red button to apply. This makes it easier to successfully track your MoneyHero exclusive offer application details, but you may not be able to get the additional HK$50 InstatRedeem from DBS Card+.
Suitable for customers who loves travelling
As low as HK$2=1mile and worldwide travel privileges
- Register via DBS Card+ app now to enjoy the following privileges upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month to enjoy Eligible Overseas Spending as low as HK$2 = 1 Mile. For details, please visit DBS website
Enjoy full year travel privileges
- Up to 8% off on hotel booking offer from Expedia.com
- Up to 8% off on hotel booking offer from Hotels.com
Flexi Shopping Black World Mastercard® Exclusive Offer
- 3 times 50% one-off handling fee rebate on travel merchant spending instalments!
- Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fsbmce.
InstaRedeem 20% off on Online / Travel Merchant Spending
- Offset your online spending or spending at travel merchants with DBS$ with just a few taps!
Redeem air miles or travel rewards with DBS$. No expiry date and redemption fee for DBS$.
- Redeem flight from Asia Miles, Avios, KrisFlyer & PhoenixMiles at any time; Asia Miles can be converted instantly and shall be credited to your mileage account instantly.
- Exclusive offers of 45% off when redeeming travel rewards with DBS$ from iGO Rewards.
- Unlimited Cash Rebate Redemption
- DBS Black World Mastercard® Cardholder can redeem Cash Rebate at DBS$80 to HK$100 during Promotion Period. Without any spending requirement and limit on redemption quantity.
- Login to DBS Card+ > Select "Rewards" > Select "eSHOP" > Select applicable credit card > Select "20% Off Cash Rebate Redemption Promotion" > Select redemption quantity > Click "Buy Now" to complete redemption procedure
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
- Terms and Conditions apply. For details, please visit go.dbs.com/hk-blackcard-mc.
To borrow or not to borrow? Borrow only if you can repay!
Mox Credit Card (CashBack)
Promo Code:
MOXISFIVEMH
- Instant onboarding
- Unlimited Instant Cashback
- Instant Cash Loan
- 0% Instalment offer
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.
- Dining rebate
- Online shopping rebate
- Annual Fee waiver
- First year annual fee waiver
- 6% Cash Rebate on dining and online spending all year round
- 6% cash rebate on dining and online spending up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transaction 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!
- Local spending rebate
- Dining rebate
- Supermarket rebate
- No Annual Fee
-
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
| Designated Merchants | Rebate Upon Spending |
| Pizza Hut, PHD, KFC, Maxim's Chinese Cuisine restaurants, designated m.a.x. concepts restaurants and outlets, Arome Bakery, Café Landmark, MUSES, Wildfire Pizzabar, DONDONYA, Uo-Show and more | 2% Rebate （4X Rewards: HK$1=4 yuu Reward Points） |
| 7-Eleven, Mannings, IKEA, Wellcome, Market Place and GNC | 1.5% Rebate （3X Rewards: HK$1=3 yuu Reward Points） |
| Shell and Designated Maxim's restaurants | 1% Rebate （3X Rewards: HK$1=2 yuu Reward Points） |
| Other merchants (including local and overseas spending) | 0.5% Rebate （HK$1=1 yuu Reward Point） |
-
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
- 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!
A Beginner's Guide to Credit Cards
How do credit cards work?
When you use a credit card, you are essentially taking a short-term loan. You can buy things now and pay for them later. Each month, you receive a bill that lists all your purchases and the total amount due. This is called your credit card statement.
Each card comes with a credit limit, which is the maximum amount you can borrow. If you exceed this limit, your card may be declined. You have the option to pay the full balance or just a part of it; however, if you only pay a portion, the remaining balance accrues interest, which is an additional cost.
Credit cards also have fees, like late payment fees or annual fees, depending on the card. Using cards responsibly can help build your credit score, which is important for future loans or mortgages.
How do credit card rewards work?
Credit card rewards are incentives offered by credit card companies to encourage people to use their cards more often. Essentially, you earn points, cash back, or miles for every dollar you spend using the card.
When you make a purchase with a rewards credit card, a small percentage of that amount is returned to you as rewards. For example, if your card offers 1.5% cash back, and you spend $100, you earn $1.50 in rewards. Some cards have bonus categories, like 3% cash back on groceries or travel, where you earn more for spending in those areas. You can then redeem these rewards in various ways: cash back, gift cards, travel discounts, or even merchandise.
Common Types of Credit Cards
There are several types of credit cards available, each catering to different needs and preferences. Each type of credit card offers different interest rates, credit limits, and rewards. Depending on the type of card you choose, you may find that some cards may better align with your financial goals.
Rewards Credit Cards
When you make a purchase, you earn rewards, which can come in the form of cash back, points, or travel miles. For instance, if a card offers 2% cash back, spending $100 would earn you $2 in rewards. Some cards have bonus categories, providing higher rewards for specific purchases like groceries or gas. You can redeem these rewards in various ways, such as getting cash back, buying gift cards, or booking travel.
Interest-Saving Credit Cards
Interest-saving credit cards are designed to help you borrow money at lower interest rates, making it easier to pay off your balance without accumulating high costs. When you use an interest-saving credit card, you borrow money to make purchases, but if you don’t pay off the full balance by the due date, you owe interest on the remaining amount. Interest-saving credit cards often have features like a low introductory interest rate. This means you can make purchases and carry a balance without paying extra interest during that time. After the introductory period ends, the interest rate will increase, but it's still ideally lower than typical credit cards. Some cards also offer a rewards program or incentives for on-time payments, encouraging responsible use.
Credit-Building Credit Cards
Credit-building credit cards are designed for people with limited or poor credit histories who want to improve their credit scores. When you get a credit-building card, you’re given a small credit limit, which is the maximum amount you can borrow. This limit might be lower than regular credit cards, making it easier for you to manage. Each time you use the card and make payments, you build your credit history and show lenders you can handle credit responsibly.
Steps to Aid in Choosing Your Credit Card
Comparing credit card features
Credit-building help
When you use a credit card, you are given a line of credit that you can borrow against. If you make timely payments and keep your balance low relative to your credit limit, you can build a positive credit history.
Credit scoring models look at your payment history, credit utilisation, length of credit history, and types of credit accounts. By using a credit card and paying off your balance on time, you demonstrate to lenders that you are responsible with borrowing money, which can boost your credit score.
For beginners, it's important to choose a card that supports credit building. Some options include secured credit cards, which require a deposit that acts as your credit limit, and credit cards designed specifically for those with little or no credit history. As you gain experience and improve your credit score, you may qualify for better cards with more benefits.
How many credit cards should you have?
Each credit card often comes with its unique advantages, such as cash back, travel rewards, or specific discounts. By using multiple cards, you can take advantage of these benefits according to your spending patterns.
Advantages of carrying multiple cards
Maximised Rewards
Different credit cards often have different reward structures. By using multiple cards, you can earn more points, cash back, or travel miles based on where you spend. For example, one card might offer 3% cash back on groceries, while another gives 2% on gas. Using each card for its best category helps you maximize your rewards.
Improved Credit Score
Having multiple cards can help your credit score if you manage them responsibly. It increases your total credit limit, which can lower your credit utilization ratio (the amount of credit you’re using compared to your total credit limit). A lower ratio is generally better for your score.
Emergency Backup
If one card gets lost or has fraud issues, having another card means you can still make purchases without interruption.
Special Benefits
Some cards offer unique perks, like travel insurance or shopping protections. By having multiple cards, you can take advantage of these benefits based on your needs.
Risks of carrying multiple cards
Increased Debt Risk
With more credit cards, it can be tempting to spend beyond your means. If you're not careful, you might accumulate debt on multiple cards, leading to financial strain
Higher Interest Payments
If you carry a balance on several cards, the interest charges can add up quickly, making it harder to pay off your debt. Each card typically has its own interest rate, and these can be quite high.
Payment Confusion
Managing multiple due dates can be complicated. Missing a payment on any card can lead to late fees and negatively impact your credit score. Keeping track of when each payment is due is crucial.
Credit Score Impact
While having multiple cards can improve your credit score if managed well, applying for many cards in a short period can lower your score. Each application results in a hard inquiry, which can suggest to lenders that you're a higher risk.
Other Common Types of Credit Cards
In addition to cash back, credit-building and interest-saving credit cards, there are other types of credit card products that may better fit your needs.
Travel Reward Credit Cards
For those who want to earn points or miles for travel-related expenses, Travel Reward Credit Cards allow you to accumulate rewards for flights, hotel stays, and other travel costs. When you use these cards, you earn points for every dollar spent, often with higher rewards for travel purchases. Many cards also offer significant sign-up bonuses if you meet spending requirements within the first few months, alongside additional perks like travel insurance and no foreign transaction fees.
Balance Transfer Credit Cards
Credit cards for balance transfers are designed to help individuals manage existing debt by allowing them to transfer balances from high-interest credit cards to a new card that offers a promotional 0% Annual Percentage Rate (APR) for a limited time, typically between 6 to 18 months. This feature enables users to avoid interest charges, allowing more of their payments to go towards paying down the principal balance.
Student Credit Cards
Student credit cards are designed to help young adults build credit history and gain financial flexibility with accessible features like lower credit limits and fewer qualification requirements. These cards serve as educational tools, teaching students about credit management, budgeting, and the importance of timely payments, which are crucial for establishing a positive credit score for future financial endeavors. Additionally, some student credit cards offer rewards such as cash back, making them attractive for everyday purchases.
Business Credit Cards
Business credit cards are designed for small business owners to effectively manage their expenses by separating personal and business spending, making budgeting and tax preparation simpler. They often come with rewards programs that provide cash back, travel points, or discounts on business-related purchases, helping to save money. Additionally, using a business credit card responsibly can establish a credit history for the business, which is beneficial for future loans or financing. Many cards also offer tools for expense management, such as employee spending limits and detailed reporting, enabling business owners to monitor and control expenses more efficiently.
Need some help?
Thank you for using MoneyHero. If you are looking to check on your reward redemption status, then this is the right place. We have compiled our promotional campaigns and their respective reward progress so that you can keep track of when you can expect yours. Please click on the campaign that you participated in, and you will find the corresponding redemption status. Campaigns are sorted chronologically; be sure to match the correct financial institution, reward, and period of the campaign.
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, the 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 the latest offers of credit cards.
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.
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.
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 reward 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 its 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.
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 back, air miles, gift vouchers or free gifts.
Certain banks promote cash back rewards which their credit cards can earn, cardholders can enjoy cash rebates 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.
Many credit cards bring discounts and cash rebates 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 rebates 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 lounge access worldwide, airport limousine transfer service and other concierge services, have a minimum income requirement.
Some Cashback Credit Card 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 maximise 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.
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.
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.
The annual fee depends on the bank and the type of credit card. A 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 an 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 a 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.
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.
Current customers are, unfortunately, not eligible to participate in exclusive offers from MoneyHero. For welcome offers 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 to current customers. Their welcome offers only apply to applicants who have not held or cancelled American Express credit cards in the past 12 months.
Citibank
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled Citibank credit cards in the past 12 months.
DBS
Current and new customers are eligible for the 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 on the welcome offer, please click here.
PrimeCredit
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.
CITIC
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled CITIC credit cards in the past 12 months.
HSBC
Current and new customers are eligible for the welcome offer. For more details on the welcome offer, please click here.
BEA
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled BEA credit cards in the past 6 months.
To protect yourself from credit card fraud, you should keep your credit card and personal information (including credit card numbers and security code) safe and never disclose your passwords or personal information to anyone. You should also keep a record of all credit card transactions and check bank statements regularly. Report any suspicious transactions to your financial institution or bank immediately to avoid financial loss.
As everyone’s financial background and situation is different, there is no one-size-fits-all credit card. To determine which card is best for you, you will need to consider a variety of factors, including interest rates, types of rewards, as well as the general scope of your purchases. For instance, certain cards may work better for those who travel frequently, and others may benefit more from cards that reward local purchases.
Depending on your financial situation, the ease of getting certain credit cards may vary. Factors include:
Credit Score: Individuals with good to excellent credit scores are more likely to be approved for credit cards. Lenders use these scores to assess the risk of lending.
Steady Income: Having a stable and sufficient income demonstrates to lenders that you can repay borrowed amounts, making them more willing to approve your application.
Low Debt-to-Income Ratio: A lower ratio indicates that you have manageable debt levels relative to your income, which can enhance your creditworthiness in the eyes of lenders.
The best credit card company will vary depending on how you can take advantage of the deals and offers. For instance, American Express cards will reward you greater for overseas spending, making it it best credit card company if you intend to spend your money overseas. Alternatively, if you prefer spending locally, certain cards may provide additional points for loyalty programs such as YUU.
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