Best Mastercard Credit Cards in Hong Kong 2025

Cathay Travel Privileges

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

• Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
  • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
• HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

• Hotel, Car Rental and Experience Awards;
• Dining awards or settle bill with miles; and
• Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

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

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

  • "New Cardholders" are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
  • "New Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.
• To enjoy the full benefits of Standard Chartered Cathay Mastercard - Priority Banking, cardholder is required to be an existing Priority Banking client or a New Banking Client who signs up for Priority Banking upon card application. The cardholder is also required to maintain HK$1,000,000 or above Average Daily Relationship Balance starting from the second calendar month from card issuance date.
• Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
• No annual fee will be refunded if the card is terminated. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid.
• Offers are subject to Terms and conditions
• An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page

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 spending categories: 8% RewardCash rebate
• 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 $40 RewardCash each month via HSBC Reward+ Stamp Cards

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

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

Other things to note

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

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.

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.

1. Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
2. 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.
3. 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!

• 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.
• 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.

Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

• Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
  • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
• HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

• Hotel, Car Rental and Experience Awards;
• Dining awards or settle bill with miles; and
• Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

• New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

• New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
• Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
• Offers are subject to Terms and conditions
• An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page

• First year annual fee waiver
• 6% Cash Rebate on dining and online spending all year round
• From 1 January till 30 June 2025, Motion Credit Cardmembers can earn 6% cash rebate on dining and online spending all year round, up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transactions 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!

• 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.