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Citi PremierMiles Card
MoneyHero Exclusive Offer
Featured Product
$ 120,000
Min. Annual Income
$ 3 /mile
Overseas Spending - Air Miles Conversion
Miles redeemed (overseas spending)
Overseas spending: HK$4 = 1 Mile (HK$3 = 1 Mile for total Eligible Transactions of HK$20,000 or above in one statement cycle); Local spending: HK$8 = 1 Mile
12 times
Number of Free Lounge Access
TODO
PrimeCredit EarnMORE UnionPay Diamond Card
MoneyHero Exclusive Offer
Featured Product
$ 150,000
Min. Annual Income
Not Available
Overseas Spending - Air Miles Conversion
3 times
Number of Free Lounge Access
Spend over HK$12,000 within 2 continuous months every year
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Standard Chartered Cathay Mastercard - Priority Banking
Latest Offer
$ 96,000
Min. Annual Income
$ 4 /mile
Overseas Spending - Air Miles Conversion
Overseas spending: HK$4 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; For the other spending: HK$6 = 1 Mile
Unlimited
Number of Free Lounge Access
Marco Polo Club Silver membership
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Standard Chartered Cathy Mastercard - Priority Private
Latest Offer
$ 96,000
Min. Annual Income
$ 4 /mile
Overseas Spending - Air Miles Conversion
Overseas spending: HK$4 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; For the other spending: HK$6 = 1 Mile
Unlimited
Number of Free Lounge Access
Marco Polo Club Gold membership
TODO
Citi Prestige Card
MoneyHero Exclusive Offer
$ 600,000
Min. Annual Income
$ 4 /mile
Overseas Spending - Air Miles Conversion
Miles redeemed (oversears spending)
Overseas spending: HK$4 = 1 Mile; Local spending: HK$6 = 1 Mile
Unlimited
Number of Free Lounge Access
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The Platinum Card®
MoneyHero Exclusive Offer
$ 1,000,000
Min. Annual Income
$ 5 /mile
Overseas Spending - Air Miles Conversion
Every HK$1 (or equivalent) of your foreign currency spend (both online and offline) will earn 3 Membership Rewards points (HK$5 = 1 mile)
Unlimited
Number of Free Lounge Access
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American Express Explorer™ Credit Card
MoneyHero Exclusive Offer
$ 300,000
Min. Annual Income
$ 4 /mile
Overseas Spending - Air Miles Conversion
on foreign currencies spending
10 times
Number of Free Lounge Access
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Citi Rewards UnionPay Card
MoneyHero Exclusive Offer
$ 120,000
Min. Annual Income
$ 1.5 /mile
Overseas Spending - Air Miles Conversion
Miles redeemed (on spending made via QuickPass)
3 times
Number of Free Lounge Access
Spend over HK$12,000 within 2 continuous months every year
TODO
PrimeCredit WeWa UnionPay Diamond Card
MoneyHero Exclusive Offer
$ 150,000
Min. Annual Income
Not Available
Overseas Spending - Air Miles Conversion
3 times
Number of Free Lounge Access
Spend over HK$12,000 within 2 continuous months every year
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CCB (Asia) Octopus Auto Living UnionPay Diamond Card
$ 150,000
Min. Annual Income
Not Available
Overseas Spending - Air Miles Conversion
3 times
Number of Free Lounge Access
Spend over HK$12,000 within 2 continuous months every year
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Need some help?
No worries, we've got you covered!

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 Cards, Airmiles Credit Cards, Dining Credit Cards, Online Shopping Credit Cards, Premium Credit Cards, Corporate Credit Cards, Entry Level / Student Credit Cards, UnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

Banks in Hong Kong such as HSBC, Hang Seng Bank and Standard Chartered Bank issue different types of credit cards with generous rewards and their eligibility requirements are also different. Hence, the processing time varies depending on the card issuer, but as soon as your application Have been approved, it normally takes 7 to 10 working days until you receive your card. Make sure that you submit all the relevant documents so that your application can be processed as quickly as possible.

Most Hong Kong credit card providers require you to be of legal age and a permanent resident/citizen of Hong Kong. You would also have to have stable employment and meet minimum salary requirements, which vary according to the type of credit card.

Banks look at your credit score and income to determine the maximum credit amount they would extend to you. If your application is approved, the credit limit a bank gives you may be lower or higher than what you indicated in your application. If your credit score Is satisfactory, banks may give you the maximum credit limit. If you think your limit is too high, you can talk to your provider and ask them to reduce it. Know more about credit score by reading our credit card application guide.

The annual fee, which is generally charged HK$200-HK$6,000, 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, so please be sure to check the terms before applying. You can request annual fee waiver by calling the card issuer's hotline. further, many banks charge an early termination 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.

Confused about credit card terms?

Glossary terms to know for first-time credit card users