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PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

MoneyHero Exclusive OfferFeatured Product
PrimeCredit EarnMORE UnionPay Diamond Card
$150,000
Min. Annual Income
Not Available
Overseas Spending - Air Miles Conversion
3times
Number of Free Lounge AccessSpend over HK$12,000 within 2 continuous months every year
MoneyHero Exclusive Offer:
DYSON V7 Fluffy+ Wireless Vacuum Cleaner / Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome offer; plus HK$500 cash rewards exclusively from MoneyHero
Up to 3% cash rebate when you spend with the Card during the holiday season; 3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Up to 3% cash rebate when you spend with the Card during the holiday season; 3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Citi Prestige Card

Citi Prestige Card

MoneyHero Exclusive Offer
Citi Prestige Card
$600,000
Min. Annual Income
Unlimited
Number of Free Lounge Access
MoneyHero Exclusive Offer:
240,000 Points (20,000 Miles) as welcome gift, plus HK$300 Supermarket Coupon exclusively from MoneyHero
Complimentary 4th night at any hotel; free global airport lounge access
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Complimentary 4th night at any hotel; free global airport lounge access
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
The Platinum Card®

The Platinum Card®

MoneyHero Exclusive Offer
The Platinum Card®
$1,000,000
Min. Annual Income
Unlimited
Number of Free Lounge Access
MoneyHero Exclusive Offer:
[Enhanced Welcome Offer] Up to 600,000 Membership Rewards Points (equivalent to HK$2,000 voucher); plus extra HK$1,000 SOGO voucher exclusively from MoneyHero
3X points earned when transaction made in foreign current spend via online; complimentary hotel memberships; annual fee cannot be waived
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
3X points earned when transaction made in foreign current spend via online; complimentary hotel memberships; annual fee cannot be waived
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Citi PremierMiles Card

Citi PremierMiles Card

MoneyHero Exclusive Offer
Citi PremierMiles Card
$240,000
Min. Annual Income
12times
Number of Free Lounge Access
MoneyHero Exclusive Offer:
108,000 Points (9,000 Miles) / HK$800 Supermarket Coupon as welcome gift, plus HK$300 Supermarket Coupon exclusively from MoneyHero
Up to 12 times complimentary access to airport lounges for every calendar year; 12 Frequent Flyer Programs to redeem mileage of over 100 airlines
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Up to 12 times complimentary access to airport lounges for every calendar year; 12 Frequent Flyer Programs to redeem mileage of over 100 airlines
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
American Express® Cathay Pacific Elite Credit Card

American Express® Cathay Pacific Elite Credit Card

American Express® Cathay Pacific Elite Credit Card
$300,000
Min. Annual Income
10times
Number of Free Lounge Access
Local Spending - HK$6 = 1 Asia Mile
Online Fraud Protection Guarantee
Local Spending - HK$6 = 1 Asia Mile
Online Fraud Protection Guarantee
PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

MoneyHero Exclusive Offer
PrimeCredit WeWa UnionPay Diamond Card
$150,000
Min. Annual Income
Not Available
Overseas Spending - Air Miles Conversion
3times
Number of Free Lounge AccessSpend over HK$12,000 within 2 continuous months every year
MoneyHero Exclusive Offer:
Jabra Wireless Headphones / Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome offer; plus HK$500 cash rewards exclusively from MoneyHero
3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
American Express® Gold Business Card

American Express® Gold Business Card

Latest Offer
American Express® Gold Business Card
$200,000
Min. Annual Income
$5/mile
Overseas Spending - Air Miles Conversionon foreign currency spending
2times
Number of Free Lounge Access
Latest Offer:
Up to 450,000 Membership Rewards® points + Up to US$350 AWS Promotional Credit as welcome gift
No pre-set spending limit
Complimentary Travel Insurance
No pre-set spending limit
Complimentary Travel Insurance
American Express® Cathay Pacific Credit Card

American Express® Cathay Pacific Credit Card

American Express® Cathay Pacific Credit Card
$150,000
Min. Annual Income
Local Spending - HK$8 = 1 Asia Mile
2 complimentary visits to the Plaza Premium Lounges at airport per year
Local Spending - HK$8 = 1 Asia Mile
2 complimentary visits to the Plaza Premium Lounges at airport per year
Need some help?
No worries, we've got you covered!
How many types of credit cards in Hong Kong? How should I choose my credit cards?

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.

How long does it take to process my credit card application?

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.

How do I qualify for a credit card account?

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.

How does a bank determine my credit limit?

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.

What are the fees and charges applicable on credit cards?

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

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