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Find the Best Credit Cards in Hong Kong 2025

Compare the best credit cards in Hong Kong, that offers some of the best benefits such as cashback, miles, rewards, and promotions. Find a wide variety of credit cards to suit your spending habit to maximise your savings and rewards. Apply for your ideal card on MoneyHero today!
Exclusive Offer Best offer in town 2% Unlimited Cash Rebate
Citi Cash Back Card

Citi Cash Back Card

Cashback Local
1  %
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Cashback Overseas
2  %
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Cashback Local Online Shopping
1  %
Annual Fee Waiver
First year

3 Offers Available

MoneyHero Exclusive Offer
Dyson Supersonic™ Origin hair dryer (valued at HK$2,680, random colour)
Dyson Supersonic™ Origin hair dryer (valued at HK$2,680, random colour)

+ 4 other gift options

Valid until

20 February 2025

MoneyHero Exclusive Offer
HK$1,800 Apple Store Gift Card
HK$1,800 Apple Store Gift Card

+ 1 other gift options

Valid until

20 February 2025

Double the joy with Citi
Enjoy fabulous 1-for-1 Dinner Menu with your Citi Mastercard Credit Card
Enjoy fabulous 1-for-1 Dinner Menu with your Citi Mastercard Credit Card

Valid until

16 April 2025

Things to consider for this product:

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Dining rebate

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Overseas rebate

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Unlimited rebate

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High-priced welcome gifts

sim Credit Card

sim Credit Card

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

6 Offers Available

MoneyHero Exclusive Offer
HK$1,000 Apple Store Gift Card
HK$1,000 Apple Store Gift Card

+ 3 other gift options

Valid until

28 February 2025

Limited-time Rewards
Two Tickets to the ‘Paradise of the Suck’ (quotas: 35)
Two Tickets to the ‘Paradise of the Suck’ (quotas: 35)

Valid until

15 April 2025

Lunar New Year Cashback Offer
New Customer: up to HK$2,358 CashBack + Movie Combo
New Customer: up to HK$2,358 CashBack + Movie Combo

Valid until

28 February 2025

Lunar New Year Cashback Offer
Existing Customer: Up to HK$1,608 CashBack + Movie Combo
Existing Customer: Up to HK$1,608 CashBack + Movie Combo

Valid until

28 February 2025

Lunar New Year Big Spenders Reward
Up to HK$8,888 cash rewards
Up to HK$8,888 cash rewards

Valid until

28 February 2025

Perpetual Annual Fee Waiver for Student at Designated Institutions
Perpetual Annual Fee Waiver for Student at Designated Institutions
Perpetual Annual Fee Waiver for Student at Designated Institutions

Valid until

28 February 2025

Exclusive Offer
Hang Seng MMPOWER World Mastercard®

Hang Seng MMPOWER World Mastercard®

Cashback Overseas
6  %
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Cashback Online Shopping
5  %
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Cashback Dining / Electronics / Entertainment
1  %
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Annual Fee Waiver
Perpetual

5 Offers Available

MoneyHero Exclusive Gift (New to Bank Customer)
New Credit Card Customer : Furusachi Ultimate Travel Line Front-opening Suitcase 31
New Credit Card Customer : Furusachi Ultimate Travel Line Front-opening Suitcase 31"(Valued HK$4,300;Random Colour)

+ 2 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Voucher (New to Bank Customer)
New Credit Card Customer : HK$1,000 Apple Store Gift Card
New Credit Card Customer : HK$1,000 Apple Store Gift Card

+ 2 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Gift (Existing Customer)
Existing Credit Card Customer : Marshall Willen II Wireless Portable Speaker(valued at HK$999)
Existing Credit Card Customer : Marshall Willen II Wireless Portable Speaker(valued at HK$999)

+ 1 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Voucher (Existing Customer)
Existing Credit Card Customer : HK$700 Apple Store Gift Card
Existing Credit Card Customer : HK$700 Apple Store Gift Card

+ 2 other gift options

Valid until

28 February 2025

Welcome Offer - Up to $700 +FUN Dollars
New Customer:$700 +FUN Dollars
New Customer:$700 +FUN Dollars

+ 1 other gift options

Valid until

30 June 2025

Things to consider for this product:

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Local spending rebate

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Online Spending

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Overseas rebate

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No Annual Fee

Exclusive Offer No cross border fee
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Cashback Local
5  %
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Foreign Currency Transaction Fee
0  %
Interest on installment plans
0  %
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Annual Fee Waiver
Perpetual Annual Fee Waiver

3 Offers Available

MoneyHero Exclusive Welcome Gift
Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color)
Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color)

+ 1 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Welcome Voucher
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 3 other gift options

Valid until

28 February 2025

Welcome Offer
HK$800 CashBack
HK$800 CashBack

+ 1 other gift options

Valid until

27 February 2025

Things to consider for this product:

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Installment

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No foreign txn fee

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Local spending rebate

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Annual Fee waiver

Best-in-town Asia Miles rewards No overseas transaction fee
Mox Credit Card (Asia Miles)

Mox Credit Card (Asia Miles)

Unlimited mileage rebates on spending
as low as $ 4  per mile
Overseas transaction fee
0  %
Installment fee
0  %

5 Offers Available

MoneyHero Limited-Time Exclusive Offer (with the invitation code "4100MHR")
CARRIER DC-22VS 2-in-1 Air Purifying Inverter Dehumidifier (valued at HK$4,880, random colour)
CARRIER DC-22VS 2-in-1 Air Purifying Inverter Dehumidifier (valued at HK$4,880, random colour)

+ 3 other gift options

Valid until

28 February 2025

MoneyHero Limited-Time Welcome Voucher (with the invitation code "4100MHR")
HK$1,400 Apple Store Gift Card
HK$1,400 Apple Store Gift Card

+ 2 other gift options

Valid until

28 February 2025

Up to HK$380 exclusive taxi ride discounts for you
Mox x TADA - up to HK$380 exclusive taxi ride discounts
Mox x TADA - up to HK$380 exclusive taxi ride discounts

Valid until

31 March 2025

Shell Recharge EV charging up to 20% off
Mox X Shell Recharge and Halo exclusive cash rewards up to HK$100
Mox X Shell Recharge and Halo exclusive cash rewards up to HK$100

Valid until

31 May 2025

Exclusive Trip.com hotel and flight offers + CashBack
Up to 9% exclusive hotel and flight discounts on Trip.com
Up to 9% exclusive hotel and flight discounts on Trip.com

Valid until

31 December 2025

Things to consider for this product:

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Instant onboarding

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Unlimited flight miles

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Travel platform consumption discount

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Welcome offer: AirMiles

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foreign currency transaction

Exclusive Offer
Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

Airmiles Dining
$ 4  per mile
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Airmiles Overseas
$ 4  per mile
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Airmiles Hotel Booking
$ 4  per mile
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Annual Fee Waiver
First year

6 Offers Available

Offer Upgrade (Mutually exclusive form Exclusive Offer)
Dyson Hot + Cool™ Fan Heater AM09 (Valued at HK$3,380) (redeemed using Standard Chartered Cathay Mastercard with HK$1,800)
Dyson Hot + Cool™ Fan Heater AM09 (Valued at HK$3,380) (redeemed using Standard Chartered Cathay Mastercard with HK$1,800)

+ 1 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Welcome Gift
Furusachi Ultimate Travel Line Front-opening Suitcase 31
Furusachi Ultimate Travel Line Front-opening Suitcase 31" (valued at HK$4,300;random color)

+ 2 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Welcome Voucher
HK$900 Apple Store Gift Card
HK$900 Apple Store Gift Card

+ 3 other gift options

Valid until

28 February 2025

Limited Time Offer - HKD288 CashBack
HK$288 CashBack
HK$288 CashBack

Valid until

27 February 2025

Welcome Offer
HK$800 CashBack
HK$800 CashBack

+ 1 other gift options

Valid until

27 February 2025

Welcome Offer - Up to 60,000 Miles
60,000 Miles
Up to 60,000 Miles

Valid until

31 December 2025

Things to consider for this product:

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Welcome offer: Air miles

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Air miles conversion

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Hotel bookings offer

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Overseas rebate

Highest Exclusive Offer in Town Up to 4X yuu points reward
Hang Seng enJoy Card

Hang Seng enJoy Card

Cashback Supermarket
1.5  %
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Cashback Dining
2  %
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Cashback Local
2  %
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Annual Fee Waiver
Perpetual Annual Fee Waiver

5 Offers Available

MoneyHero Exclusive Welcome Gift (New to Bank Customer)
New Credit Card Customer : Furusachi Ultimate Travel Line Front-opening Suitcase 31
New Credit Card Customer : Furusachi Ultimate Travel Line Front-opening Suitcase 31"(Valued HK$4,300;Random Colour)

+ 2 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Welcome Voucher (New to Bank Customer)
New Credit Card Customer : HK$1,000 Apple Store Gift Card
New Credit Card Customer : HK$1,000 Apple Store Gift Card

+ 2 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Gift (Existing Customer)
Existing Credit Card Customer : Marshall Willen II Wireless Portable Speaker(valued at HK$999)
Existing Credit Card Customer : Marshall Willen II Wireless Portable Speaker(valued at HK$999)

+ 1 other gift options

Valid until

28 February 2025

MoneyHero Exclusive Voucher (Existing Customer)
Existing Credit Card Customer : HK$700 Apple Store Gift Card
Existing Credit Card Customer : HK$700 Apple Store Gift Card

+ 2 other gift options

Valid until

28 February 2025

Welcome Offer - Worth up to 120,000 yuu Points
120,000 yuu Points (for new credit card customers)
120,000 yuu Points (for new credit card customers)

+ 1 other gift options

Valid until

28 February 2025

Things to consider for this product:

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Local spending rebate

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Dining rebate

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Supermarket rebate

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No Annual Fee

The Platinum Card®

The Platinum Card®

Airport Lounge Access
Unlimited Times
Airmiles Overseas
$ 4.5  per mile
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Airmiles Local
$ 7.5  per mile
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Min. Annual Income
None

2 Offers Available

MoneyHero Limited-Time Exclusive Offer (Choose 1 out of 5 gifts)
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190)
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190)

Valid until

03 March 2025

MoneyHero Limited-Time Exclusive Offer (Choose 1 out of 5 gifts)
Dyson V12 Detect Slim Fluffy (valued at HK$5,180)
Dyson V12 Detect Slim Fluffy (valued at HK$5,180)

Valid until

03 March 2025

MoneyHero Limited-Time Exclusive Offer (Choose 1 out of 5 gifts)
Dyson HP10 Purifier Hot+Cool™ Gen1 (valued at HK$4,480)
Dyson HP10 Purifier Hot+Cool™ Gen1 (valued at HK$4,480)

Valid until

03 March 2025

MoneyHero Limited-Time Exclusive Offer (Choose 1 out of 5 gifts)
HK$3,500 Apple Store Gift Card
HK$3,500 Apple Store Gift Card

Valid until

03 March 2025

MoneyHero Limited-Time Exclusive Offer (Choose 1 out of 5 gifts)
HK$3,500 Trip.com e-Gift Voucher
HK$3,500 Trip.com e-Gift Voucher

Valid until

03 March 2025

The Platinum Card® W Hong Kong Wellness
The Platinum Card®  W Hong Kong Wellness: Enjoy access to W Hong Kong’s sky-high facilities
The Platinum Card® W Hong Kong Wellness: Enjoy access to W Hong Kong’s sky-high facilities

Valid until

13 November 2025

Things to consider for this product:

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Travel insurance

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Dining discount

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Airport lounge

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Travel agency offer