Best Digital Wallet Credit Cards in Hong Kong 2026
Updated: 9 Apr 2026
Compare credit cards that work seamlessly with Apple Pay, Google Pay, AlipayHK, and WeChat Pay HK. See which cards reward mobile wallet transactions and which ones exclude top-ups, so you maximise cashback or miles on everyday payments. Apply online with MoneyHero for exclusive offers.
Why Trust MoneyHero
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Citi Cash Back Card | HK$4,288 | HK$120,000 | 1 - 2 % | HK$1,800 | ||
 | DBS Black World Mastercard® | HK$5,180 | HK$240,000 | $4 - 12 per mile | HK$3,600 | ||
 | Standard Chartered Smart Credit Card | HK$5,980 | HK$96,000 | 0.5 - 5 % | Perpetual Annual Fee Waiver | ||
 | DBS Eminent Visa Platinum Card | HK$5,980 | HK$150,000 | 2 - 5 % | HK$1,800 | ||
 | Citi Rewards Card | HK$4,288 | HK$120,000 | 1 - 3 % | HK$1,800 | ||
 | PrimeCredit WeWa Visa Signature Card | HK$2,900 | HK$240,000 | 4 % | HK$1,500 | ||
 | HSBC Red Credit Card | HK$988 | HK$120,000 | 0.4 - 4 % | Perpetual annual fee waiver | ||
 | Citi Rewards UnionPay Card | HK$4,288 | HK$120,000 | 0.37 - 1.85 % | HK$1,800 | ||
 | Dah Sing British Airways Platinum Card | - | HK$300 | HK$150,000 | $4 - 6 per mile | HK$1,800 | |
 | DBS Eminent Visa Signature Card | HK$5,980 | HK$360,000 | 2 - 5 % | HK$2,000 | ||
 | PrimeCredit EarnMORE UnionPay Card for University Student | HK$2,988 | No Requirement | 1 - 2 % | HK$1,500 |
Cashback Dining
2 %Cashback Overseas
2 %Annual Fee Waiver
First yearApply through MoneyHero and choose from 9 premium rewards
- Dining rebate
- Overseas rebate
- Unlimited rebate
- High-priced welcome gifts
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Late Payment Charge: HK$300
Interest Free Period: 58 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- 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.
Airmiles Local
$ 6 per mileAirmiles Overseas
Up to $ 2 per mileAirmiles Dining
$ 6 per mileAnnual Fee Waiver
One yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Travel agency offer
- Welcome offer: Air miles
- Air miles conversion
- No expiry air miles
Repayment Details
Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: (i) all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; (ii) any amount in excess of the credit limit incurred after last statement date; and (iii) 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account, or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Fees
Annual Fee: HK$3,600
Air Miles Conversion Fee: Waived
Eligibility
Min. Annual Income: HK$240,000
Key Features
Credit Card Features
- Welcome offer up to 32,000 mile
- Suitable for frequent travelers, oversea spending as low as HK$2 = 1 mile
- Offers various mileage conversions, including Cathay, Avios, KrisFlyer, and PhoenixMiles
-
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
- First year annual fee waiver
Rebate & Offer details
- Overseas / Foreign Currency Spending: As low as HK$2 = 1 mile
- Register via DBS Card+ app now to enjoy the oversea spending as low as 1 mile upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month, click here for details.
- Local spending: HK$6 = 1 mile
Flexi Shopping Black World Mastercard® Exclusive Offer
- Enjoy 50% one-off handling fee rebate on the first 3 travel merchant category spending
- Promotions bounded by terms and conditions, click here for details.
Use DBS$8 equivalent to HK$10 to offset Online or Travel Merchant Spending
- Promotions bounded by terms and conditions, click here for details.
Redeem flights or hotels at up to 45% off with DBS$, plus enjoy a waiver of mileage conversion handling fees.
- Freely converted to Asia Miles, Avios, KrisFlyer, and PhoenixMiles; AsiaMiles can even be instantly converted and deposited into your mileageaccount.
-
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
- Use DBS$ to enjoy up to 45% off travel rewards at iGO Rewards.
Smartphone Application Guide
- [Limited Exclusive Offer] From 29 April 2026 to 6 July 2026, New Customers who successfully apply New Card via Card+ app using the designated link from MoneyHero to enjoy HK$150 InstaRedeem. For details: please visit go.dbs.com/hk-150SIR_MoneyHero)
- New Customers who successfully apply New Card via Card+ app to enjoy HK$50 InstaRedeem. For details: please visit go.dbs.com/hk-online-acq-50SIR
- 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$50 InstatRedeem from DBS Card+.
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
- 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!
Cashback Local
5 %Cashback Supermarket
5 %Annual Fee Waiver
Perpetual Annual Fee WaiverApply through MoneyHero and choose from 7 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Installment
- No foreign txn fee
- Local spending rebate
- Annual Fee waiver
Repayment Details
Minimum Payment: All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher.
Interest Free Period: Up to56 days
Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower.
Fees
Foreign Currency Transaction Fee: 0 %
Annual Fee: Perpetual Annual Fee Waiver
Eligibility
Min. Annual Income: HK$96,000
Minimum Age: 18 years old
Key Features
- Welcome offer of up to HK$1,000 cashback
- Enjoy up to 5% CashBack* year-round at Designated Merchants, applicable to both online and offline spending (HK$1 CashBack for every HK$20 spent).
- Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
- Beauty & Health care: Watsons, Sasa
- Food and beverage: McDonald’s Hong Kong, Foodpanda
- Sport & Entertainment: Klook
- Digital Lifestyle: China Mobile Hong Kong and s/ash
- All spending at selected merchants is eligible for 5% cashback throughout the year
- A minimum of HK$4,000 eligible spending per month is required; otherwise, no cashback will be earned for that month
- Agoda hotel offer: Standard Chartered cardholders can enjoy up to 7% off global hotel bookings
- 1.95% foreign transaction fee waiver: No extra fee for overseas or online foreign currency spending
- No cash advance service fee
- Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
- Perpetual annual fee waiver
-
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.
- 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!
Cashback Local
Up to 1 %Cashback Overseas
Up to 5 %Cashback Dining
5 %Annual Fee Waiver
First yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Dining rebate
- Annual Fee waiver
- Dining discount
Repayment Details
Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: i. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; ii. any amount in excess of the credit limit incurred after last statement date; and iii. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account; or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late Payment Charge: If you fail to pay the minimum payment shown on any monthly statement, the rate for finance charge will be adjusted by adding the following applicable Delinquency Adjustment Rate (the ""Adjusted Interest Rate""): Transaction Type i. Cash Advance 4.8% (46.45%) ii. Retail Transaction 4.3% (41.80%*) iii. Merchant Categories of Internet Bill Payment / JET Payment / Bill Payment through Customer Services Hotline: • Banking and Credit Card Services / Credit Card Payment / Credit Services 4.8% (43.69%) • Security Broker 4.3% (43.65%*) • Others 4.3% (41.80%*) The APR of the corresponding Adjusted Interest Rate is shown in brackets. The Adjusted Interest Rate will apply from the day following the date of the monthly statement issued after the occurrence of the delinquency until the full amount or at least the minimum payment is paid on or before the payment due date for 6 consecutive monthly statements.
Interest Free Period: 60 days
Fees
Annual Fee: HK$1,800
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
DBS Eminent Card Up to 5% Rebate Programme
- A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$4,000 Eligible Spending in Other Retail Spending in each calendar month)
- Other retail spending up to 1 % rebate (applicable for the first HK$15,000 Eligible Spending in Other Retail Spending in each calendar month)
- Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
- For details, please visit go.dbs.com/hk-eminent-rebate-en.
Dining Privileges
- Conrad Hong Kong up to 10% off
Up to 81% off of Health & Medical Privileges
Flexi Shopping Eminent Card Exclusive Offer
- 3 times 50% one-off handling fee rebate on medical service spending instalments!
- Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme
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+.
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
- Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
- New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate
- Terms and Conditions apply. For details, please visit go.dbs.com/hk-eminent
To borrow or not to borrow? Borrow only if you can repay!
Points Rebate on Shopping
3 %Points Rebate on Entertaiment
3 %Points Rebate on Local Mobile Payment
1 %Annual Fee Waiver
First yearApply through MoneyHero and choose from 9 premium rewards
- High-priced welcome gifts
- Annual Fee waiver
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Late Payment Charge: HK$300
Interest Free Period: 58 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Air Miles Conversion Fee: $300
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- Rewards Points
- Enjoy up to 3% Points Rebate for Shopping & Entertainment spend
- 1% Points Rebate for all local Mobile Payments
- First year annual fee waiver
- This 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").
- Handling fee of HK$50 - HK$300 will be charged for redeeming Points for miles each time.
Cashback Local
4 %Cashback Overseas
4 %Card Benefit
4 %Annual Fee
HK$ HK$
1,500Apply through MoneyHero and choose from 1 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Travel agency offer
- Installment
Repayment Details
Interest Free Period: 53 days
Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late Payment Charge: HK$320
Fees
Foreign Currency Transaction Fee: 1.95 %
Annual Fee: HK$1,500
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$240,000
Key Features
Launch of WeWa Club Enjoy endless offers and jetso
- Earn up to 4% from The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). 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!
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.
Pay with WeWa Credit Card and enjoy direct cash rebate.
- up to 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (select one)(0.4% basic rebate + 3.6% additional rebate)
- 0.4% on other spendings (HK$250 = HK$1 cash rebate)
3-month Interest-free Credit Card Transaction Instalment Plan
- 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.
Annual fee waiver for the first 2 years; 5 years for student cardholders
Other things to note
- Welcome offers, MoneyHero Welcome Reward are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 12 months.
-
Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200
Cashback Local
Up to 8 %Cashback Local Online Shopping
4 %Annual Fee Waiver
Perpetual annual fee waiverApply through MoneyHero and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Online shopping rebate
- Overseas rebate
- Annual fee waiver
- Cinema ticketing
Repayment Details
Minimum Payment: All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any) (the minimum amount of Minimum Payment is HK$50).
Late Payment Charge: Minimum Payment Due or HK$230, whichever is lower.
Interest Free Period: 56 days
Fees
Annual Fee: Perpetual annual fee waiver
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
New HSBC Rewards Partners
Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options:
- New Travel Partners
- Hilton (available for EveryMile Card and HSBC Privé only)
- Hainan Airlines and China Southern Airlines (available for all credit cards, including EveryMile and HSBC Privé)
- Redemption Rate
- Preferential redemption rate for all EveryMile cardholders: 1 RC = 20 miles / hotel points
RewardCash rebates across the board, no minimum spending requirement, and no registration needed
- Online transactions: up to 4% RewardCash rebate (capped at HK$10,000 per month) (equivalent to HK$2.5 per air mile); 0.4% rebate for remaining spending
- Designated merchants spending: 8% RewardCash rebate ((capped at HK$1,250 per month); 0.4% rebate for remaining spending)
- Food and beverage: Sushiro Hong Kong, TamJai SamGor Mixian, TamJai Yunnan Mixian
- Fashion and sports: - GU, Decathlon Hong Kong
- Entertainment: NAMCO and TAITO STATION
- Terms and Conditions apply
- 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
Perpetual annual fee waiver
McDonald’s: Enjoy a maximum of an extra $30 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).
To borrow or not to borrow? Borrow only if you can repay!
Points Rebate on Shopping
3 %Points Rebate on Entertainment
3 %Annual Fee Waiver
First year waiverApply through MoneyHero and choose from 9 premium rewards
- High value welcome gifts
- Airport lounge
- Travel insurance
- Mobile contactless rebate
Fees
Annual Fee: HK$1,800
Air Miles Conversion Fee: $300
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$120,000
Key Features
- One Card, Dual Currency
- Spending in Hong Kong and overseas will be billed in HK$. Spending in Mainland China will be billed in CNY. No need to worry about the fluctuation of exchange rate
- Rewards Points
- Earn up to 3% rebate on shopping and entertainment spending
- For details, please refer to https://www1.citibank.com.hk/english/credit-cards/rewards-card
- First year annual fee waiver
- This 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").
- Handling fee of HK$200 will be charged for redeeming Points for miles each time.
Airmiles Local
$ 6 per mileAirmiles Overseas
$ 4 per mileAnnual Fee
HK$ HK$
1,800You’ll also receive the following welcome gift(s) directly from the bank
- Airmiles Local
- Airmiles Overseas
- First 2 year annual fee waiver
Repayment Details
Minimum Payment: HK$200 or above, if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance
Late Payment Charge: amount equivalent to the minimum payment stated on the monthly statement
Interest Free Period: 60 Days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Air Miles Conversion Fee: $0
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
- Welcome offer up to 32,000Avios
- First 2-year annual fee waiver
- HK$6 = 1 Avios on local spending
- HK$6 = 1.5 Avios on overseas spending
- HK$6 = 2 Avios on spending on your birthday
- HK$6 = 2 Avios when booking flights online at www.ba.com or at the British Airways Hong Kong Ticket Office
Terms and Conditions of Dah Sing British Airways Platinum Card
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.
Cashback Local
5 %Cashback Overseas
5 %Cashback Dining
5 %Annual Fee Waiver
First yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Dining rebate
- Annual Fee waiver
- Dining discount
Repayment Details
Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: i. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; ii. any amount in excess of the credit limit incurred after last statement date; and iii. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account; or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late Payment Charge: If you fail to pay the minimum payment shown on any monthly statement, the rate for finance charge will be adjusted by adding the following applicable Delinquency Adjustment Rate (the ""Adjusted Interest Rate""): Transaction Type i. Cash Advance 4.8% (46.45%) ii. Retail Transaction 4.3% (41.80%*) iii. Merchant Categories of Internet Bill Payment / JET Payment / Bill Payment through Customer Services Hotline: • Banking and Credit Card Services / Credit Card Payment / Credit Services 4.8% (43.69%) • Security Broker 4.3% (43.65%*) • Others 4.3% (41.80%*) The APR of the corresponding Adjusted Interest Rate is shown in brackets. The Adjusted Interest Rate will apply from the day following the date of the monthly statement issued after the occurrence of the delinquency until the full amount or at least the minimum payment is paid on or before the payment due date for 6 consecutive monthly statements.
Interest Free Period: 60 days
Fees
Annual Fee: HK$2,000
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$360,000
Key Features
DBS Eminent Card Up to 5% Rebate Programme
- A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$8,000 Eligible Spending in Other Retail Spending in each calendar month)
- Other retail spending up to 1 % rebate (applicable for the first HK$20,000 Eligible Spending in Other Retail Spending in each calendar month)
- Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
- The first HK$5,000 E-Wallet Retail Spending in each calendar month, excluding the thereafter E-Wallet Retail Spending exceeding HK$5,000, will be entitled the reward.
- For details, please visit go.dbs.com/hk-eminent-rebate-en.
Dining Privileges
- Conrad Hong Kong up to 10% off
- Hyatt Regency Hong Kong, Tsim Sha Tsui 15% off
Up to 81% off of Health &Medical Privileges
Flexi Shopping Eminent Card Exclusive Offer
- 3 times 50% one-off handling fee rebate on medical service spending instalments!
- Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme
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$50 InstatRedeem from DBS Card+.
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS
- Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
- New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate
- Terms and Conditions apply. For details, please visit go.dbs.com/hk-eminent
To borrow or not to borrow? Borrow only if you can repay!
Cashback Local
2 %Cashback Overseas
2 %Annual Fee
HK$ HK$
1,500Annual Fee Waiver
First 5 yearsApply through MoneyHero and choose from 1 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Foreign txn rebate
- Travel agency offer
- Installment
Repayment Details
Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late Payment Charge: HK$320
Interest Free Period: 53 days
Fees
Annual Fee: HK$1,500
Foreign Currency Transaction Fee: 1 %
Eligibility
Min. Annual Income: No Requirement
Minimum Age: 18 years old
Key Features
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
Easy and instant payment with in-app UnionPay QR code function in OmyCard app
- 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 Approval 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$800 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 2026 to 31 March 2026.
Why use a digital wallet credit card?
-
Speed & security: tokenised payments via Apple Pay / Google Pay keep card details safe while you earn rewards.
-
Everyday coverage: AlipayHK & WeChat Pay HK are widely accepted for transport, dining, retail and cross-border payments.
-
Rewards potential: some cards count mobile-wallet spend as eligible, while stored-value reloads / top-ups may be excluded by card T&Cs. Always check exclusions.
What to check before you apply
Eligible vs. excluded transactions
Eligible vs. excluded transactions
Banks often exclude stored-value reloads (e.g., some wallet top-ups) from cashback/miles or welcome-offer spending.
Fees & limits on top-ups
Some wallets may charge fees or set different limits for credit-card top-ups—for example, PayMe has announced top-up fees for non-HSBC cards.
Ecosystem compatibility
Confirm your card is supported by Apple Pay / Google Pay for contactless; most HK issuers are covered, but support varies by product.
Digital Wallet Credit Card FAQ
Often yes for in-store wallet payments (treated like standard card spend). However, wallet top-ups / stored-value reloads are frequently excluded in bank T&Cs—check your card’s eligible-spend list.
It depends on the wallet and card. For instance, PayMe has imposed a top-up fee for non-HSBC cards. Review each wallet’s latest terms.
Frequently not, as many banks exclude stored-value reloads from welcome-offer qualifying spend. Always confirm in T&Cs.
Check issuer participation lists and your bank’s product page to confirm device & card compatibility.