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Find the Best Credit Cards in Hong Kong 2024

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!

See Moreexpand_more
Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

Airmiles Dining
$ 4  per mile
info
Airmiles Overseas
$ 4  per mile
info
Airmiles Local Online Shopping
$ 4  per mile
info
Annual Fee Waiver
First year

3 Offers Available

MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

20 March 2024

MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

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

Valid until

02 April 2024

Things to consider for this product:

check

Welcome offer: Air miles

remove

Air miles conversion

remove

Hotel bookings offer

remove

Overseas rebate

Hang Seng MMPOWER World Mastercard®

Hang Seng MMPOWER World Mastercard®

Cashback Overseas
6  %
info
Cashback Local Online Shopping
5  %
info
Cashback Local
5  %
info
Annual Fee Waiver
Perpetual

3 Offers Available

MoneyHero Exclusive Offer (New to Bank Customer)
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color)
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer (Existing Customer)
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998)
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998)

+ 3 other gift options

Valid until

02 April 2024

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 2024

Things to consider for this product:

check

Local spending rebate

check

Online Spending

check

Overseas rebate

check

No Annual Fee

American Express Explorer® Credit Card

American Express Explorer® Credit Card

Airmiles Travel
as low as $ 2  per mile
info
Airmiles Dining
$ 3.6  per mile
info
Airmiles Online Food Delivery
$ 3.6  per mile
info
Airport Lounge Access
8  times
info

3 Offers Available

MoneyHero Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 4 other gift options

Valid until

22 March 2024

Welcome Offer 2: Foreign Currencies and Local Spending Bonus
Up to 1,152,000 points (equals to 64,000 Air Miles)
Up to 1,152,000 points (equals to 64,000 Air Miles)

Valid until

31 March 2024

Welcome Offer 1: Up to 7,000 Air Miles
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)

Valid until

31 March 2024

Things to consider for this product:

check

Conciege Service

check

Airport lounge

check

Travel insurance

check

Purchase protection

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Cashback Local
5  %
info
Foreign Currency Transaction Fee
1.95  %
Interest on installment plans
0  %
info
Annual Fee Waiver
Perpetual Annual Fee Waiver

3 Offers Available

MoneyHero Exclusive Offer
HK$1,200 Apple Store Gift Card
HK$1,200 Apple Store Gift Card

+ 3 other gift options

Valid until

02 April 2024

Welcome Offer
HK$1,200 Cash Rebate
HK$1,200 Cash Rebate

+ 1 other gift options

Valid until

03 April 2024

MoneyHero x Deliveroo
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon

Valid until

02 April 2024

Things to consider for this product:

check

Installment

check

No foreign txn fee

check

Local spending rebate

check

Annual Fee waiver

CNCBI Motion Credit Card

CNCBI Motion Credit Card

Cashback Overseas Online Shopping
6  %
info
Cashback Overseas
10  %
info
Cashback Local Online Shopping
6  %
info
Cashback Dining
6  %
info

2 Offers Available

MoneyHero Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 5 other gift options

Valid until

02 April 2024

Welcome Offer
10% Cash Rebate on spending in foreign currencies
10% Cash Rebate on spending in foreign currencies

+ 1 other gift options

Valid until

02 April 2024

Things to consider for this product:

check

Dining rebate

check

Online shopping rebate

check

No foreign txn fee

check

Annual Fee waiver

The Platinum Card®

The Platinum Card®

Min. Annual Income
None
Cashback Local
0.67  %
info
Cashback Overseas
1  %
info
Airmiles Overseas
$ 4.5  per mile
info

Offer Available

MoneyHero Limited-Time Exclusive Offer
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)

+ 3 other gift options

Valid until

02 April 2024

Things to consider for this product:

check

Travel insurance

check

Dining discount

check

Airport lounge

check

Travel agency offer

MUJI Visa Platinum Card

MUJI Visa Platinum Card

Cashback Local
5  %
Annual Fee Waiver
Perpetual
Min. Annual Income
$ 150,000
Foreign Currency Transaction Fee
1.95  %

3 Offers Available

MoneyHero Exclusive Offer (New to Card Customer)
New to Card Customer:BRUNO BOE065-WH Multi Grill Pot (valued at HK$1,098; random color)
New to Card Customer:BRUNO BOE065-WH Multi Grill Pot (valued at HK$1,098; random color)

+ 3 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer (Existing Customer)
Existing Credit Card customer:HK$600 Apple Gift Card
Existing Credit Card customer:HK$600 Apple Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer - Up to $400 MUJI Dollars
New Customer:$400 MUJI Dollars
New Customer:$400 MUJI Dollars

+ 1 other gift options

Valid until

30 June 2024

Things to consider for this product:

check

Local spending rebate

check

No Annual Fee

Citi Prestige Card

Citi Prestige Card

Airmiles Overseas
$ 4  per mile
info
Airmiles Local
$ 6  per mile
info
Air Miles Conversion Fee
Waived
Annual Fee
HK$ 3,800

2 Offers Available

MoneyHero Time-Limited Exclusive Offer
DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780; random color)
DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780; random color)

+ 3 other gift options

Valid until

02 April 2024

Extra Welcome Offer
30,000 Miles (360,000 Points)
30,000 Miles (360,000 Points)

Valid until

02 April 2024

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Hotel bookings offer

check

Overseas rebate

Mox Credit

Mox Credit

Cashback Supermarket
3  %
info
Cashback Online Food Delivery
3  %
info
Cashback Overseas
2  %
info
Annual Fee Waiver
Perpetual

6 Offers Available

MoneyHero Limited-Time Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 5 other gift options

Valid until

31 March 2024

Mox Bank X Trip.com Promotion
TRIP.COM Hotel Booking 9% Discount
TRIP.COM Hotel Booking 9% Discount

+ 1 other gift options

Valid until

31 December 2024

Mox Invest - Up to HK$1,000 Cash Rewards
HK$800 Cash Reward (accumulate a trading amount of HK$50,000)
HK$800 Cash Reward (accumulate a trading amount of HK$50,000)

+ 1 other gift options

Valid until

30 April 2024

Welcome Offer: Up to 4.5% p.a. saving rate
Up to 4.5% p.a.
Up to 4.5% p.a.

Valid until

31 March 2024

Mox Bank Welcome Offer - up to HK$800 Cash Rewards with Mox
HK$800 Reward cash
HK$800 Reward cash

Valid until

31 March 2024

MoneyHero x Deliveroo
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon

Valid until

02 April 2024

Things to consider for this product:

check

Supermarket rebate

check

Uber/ Taxi offer

check

Food delivery

check

Unlimited rebate

sim Credit Card

sim Credit Card

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

3 Offers Available

MoneyHero Exclusive Offer
HK$500 Apple Store Gift Card
HK$500 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Welcome gift - HK$500 Apple Store Gift Card / HKTVmall e-coupon / Matsukiyo Cash Voucher
HK$500 Apple Store Gift Card
HK$500 Apple Store Gift Card

+ 2 other gift options

Valid until

02 April 2024

3 Hour Time-limited Offer
HK$50 Cash Rebate
HK$50 Cash Rebate

Valid until

02 April 2024

CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

Cashback Overseas
10  %
Cashback Local
4  %
info
Annual Fee Waiver
First year
Foreign Currency Transaction Fee
Waived

2 Offers Available

MoneyHero Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 5 other gift options

Valid until

02 April 2024

Welcome Offer
10% Cash Rebate on spending in foreign currencies
10% Cash Rebate on spending in foreign currencies

+ 1 other gift options

Valid until

02 April 2024

Things to consider for this product:

check

Overseas rebate

check

Airport lounge

check

Welcome offer: Rebate

check

No foreign txn fee

HSBC EveryMile Credit Card

HSBC EveryMile Credit Card

Airmiles Local
$ 5  per mile
Airmiles Overseas
$ 5  per mile
Airport Lounge Access
6  times
info
Complimentary Travel Insurance
Yes
info

3 Offers Available

HSBC Welcome Offer
$800 RewardCash
$800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Time-limited offer
$300 RewardCash
Extra $300 RewardCash

Valid until

30 April 2024

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Hotel bookings offer

check

Airport lounge

check

Travel agency offer

check

Travel insurance

DBS Black World Mastercard®

DBS Black World Mastercard®

Airmiles Local
$ 3  per mile
info
Airmiles Overseas
$ 4  per mile
Airport Lounge Access
Yes
info
Annual Fee Waiver
One year

3 Offers Available

MoneyHero Exclusive Offer - HK$500 Wellcome Supermarket Voucher
HK$500 Wellcome Shopping Voucher
HK$500 Wellcome Shopping Voucher

Valid until

02 April 2024

DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
HK$50 InstaRedeem Discount

Valid until

02 April 2024

DBS Extra Miles Welcome Offer
up to 42,000 Miles
up to 42,000 Miles

Valid until

02 April 2024

Things to consider for this product:

check

Travel agency offer

check

Welcome offer: Air miles

check

Air miles conversion

check

No expiry air miles

PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

Cashback Local
2  %
info
Cashback Local Online Shopping
2  %
info
Cashback Overseas
2  %
info
Interest on installment plans
0  %
info

4 Offers Available

MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card
Existing Customer: HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
OTO Vanda 2.0 (VN-05)
OTO Vanda 2.0 (VN-05)

+ 4 other gift options

Valid until

31 December 2024

Buyandship x PrimeCredit Spending Promotion
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)

+ 1 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Foreign txn rebate

check

Travel agency offer

check

Installment

check

No foreign txn fee

HSBC Red Credit Card

HSBC Red Credit Card

Cashback Local Online Shopping
4  %
info
Cashback Supermarket
2  %
info
Cashback Overseas
1  %
info
Annual Fee
Perpetual annual fee waiver

Offer Available

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Overseas rebate

check

Cinema ticketing

AEON CARD WAKUWAKU

AEON CARD WAKUWAKU

Cashback Local
6  %
info
Cashback Overseas
3  %
info
Cashback Local Online Shopping
6  %
info
Foreign Currency Transaction Fee
$ 0
info

3 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

02 April 2024

Welcome Offer 1
Up to HK$500 Cash Rebate
Up to HK$500 Cash Rebate

Valid until

30 April 2024

Welcome Offer 2
up to HK$200 Cash Rebate
up to HK$200 Cash Rebate

Valid until

30 April 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Overseas rebate

check

Supermarket discount

check

No foreign txn fee

PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

Cashback Local
4  %
info
Cashback Overseas
4  %
info
Foreign Currency Transaction Fee
Waived
Interest on installment plans
0  %
info

4 Offers Available

MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card
Existing Customer: HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
Sony Truly Wireless Headphones LinkBuds S (WF-LS900N)
Sony Truly Wireless Headphones LinkBuds S (WF-LS900N)

+ 5 other gift options

Valid until

31 March 2024

Buyandship x PrimeCredit Spending Promotion
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)

+ 1 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel agency offer

check

Foreign txn rebate

check

Cinema ticketing

check

Installment

Standard Chartered Cathay Mastercard - Priority Banking

Standard Chartered Cathay Mastercard - Priority Banking

Airmiles Overseas
$ 4  per mile
info
Airmiles Local Online Shopping
$ 4  per mile
info
Airport Lounge Access
4  times
info
Airmiles Dining
$ 4  per mile
info

3 Offers Available

MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

20 March 2024

MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Welcome Offer - Up to 80,000 Miles
80,000 miles
80,000 miles

Valid until

03 April 2024

Things to consider for this product:

check

Welcome offer: Air miles

check

Priority Pass

check

Airport lounge

check

Air miles conversion

Financial insights at your fingertips

Explore new ways to earn, save, and grow your money for short and long-term goals. Browse the latest analyses, tips and hacks from the MoneyHero team so you can get the most from your dollars!

Need some help?

No worries, we've got you covered!

What is the reward redemption status for the promotional campaigns?

expand_more

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 rewards 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.

How many types of credit cards in Hong Kong? How should I choose my credit cards?

expand_more

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, 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 CardsAirmiles Credit CardsDining Credit CardsOnline Shopping Credit CardsPremium Credit CardsCorporate Credit CardsEntry Level / Student Credit CardsUnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

Choosing the Best Credit Card Deals in Hong Kong

expand_more

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.

How Our Best Deals Work?

expand_more

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.

Find a Deal No Matter Where You Are

expand_more

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 rewards 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 their 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.

What are the common credit card rewards?

expand_more

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 backair milesgift vouchers or free gifts.

Certain banks promote cash back rewards which their credit cards can earn, cardholders can enjoy 1-4% cash rebate 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.

Do credit cards offer other forms of benefits in addition to cash back and air miles?

expand_more

Many credit cards bring discounts and cash rebate 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 rebate 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 lounges access worldwide, airport limousine transfer service and other concierge services, have a minimum income requirement.

How to earn cashback?

expand_more

Some Cashback Credit Cards 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 maximize 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.

Can I apply for more than one credit card?

expand_more

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.

How long does it take for my application to get approved?

expand_more

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.

What are the fees and charges applicable on credit cards?

expand_more

The annual fee depends on the bank and the type of credit card. 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 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 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.

Why should I apply for credit cards through MoneyHero?

expand_more

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.

Do existing customers enjoy the Welcome Offers offered by MoneyHero?

expand_more

For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer 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 on current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS 
Current and new customers are eligible for 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 of welcome offer, please click here.

PrimeCredit 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC 
Current and new customers are eligible for welcome offer. For more details of welcome offer, please click here

BEA 
Welcome offers do not apply on current customers. Their welcome offers only apply on applicants who have not held or cancelled BEA credit cards in the past 6 months.

How to prevent credit card fraud?

expand_more

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 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.

How to prevent credit card fraud?

expand_more

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 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.

Confused about credit card terms?

Glossary terms to know for first-time credit card users 

Air milesCashbackCredit scoreMinimum paymentAnnual feeReward Redemption Status (Promotional Campaigns)