Best Mastercard Credit Cards in Hong Kong 2026

Cathay Travel Privileges

• Up to 100,000 Miles (as low as HKD0.5 = 1 Mile), Accumulated Eligible Transactions of HKD5,000 = 10,000 Miles
• Cathay Pacific Business Class Lounge Access 4 times per year, sharable to your travel companion or redemption group nominee
• Check-in at the Premium Economy Class counters and enjoy the same priority boarding services for Premium Economy Class passengers

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$3 = 1 Asia Mile for eligible spending on overseas category
• HK$4 = 1 Asia Mile for eligible spending on dining and hotels spending categories
• HK$6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars

10% discount on Asia Miles Awards redemption

• 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.

Annual fee waiver when you become a Priority Banking client and fulfill relevant requirements

• 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.

Other things to note

• "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

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!

Smartphone Application Guide

• From 6 October 2026 to 6 January 2027, New Customers who successfully apply New Card via Card+ app using the designated link from MoneyHero to enjoy HK$50 InstaRedeem. For details: please visit go.dbs.com/hk-online-acq-50SIR

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+.
• DBS Card+ HK app has upgraded with a first-in-market credit card issuance in minutes.

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$.
• Credit card application may not be approved instantly through DBS Card+ for some individual reasons. DBS may request other documents from you, like address proof and income proof, for application approval. The credit card application is subject to DBS’s final approval.
• 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!

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. 
• HK$4 = 1 Asia Mile for eligible spending on dining, hotels and overseas spending categories
• HK$6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars

10% discount on Asia Miles Awards redemption

• 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.

First-year annual fee waiver

• 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.

Other things to note

• 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.
• 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
• For more information, please refer to here.

• First year annual fee waiver 
• Welcome Offer Option 1: 10% Cash Rebate on spending in foreign currencies
  New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate!
• Welcome Offer Option 2: Enjoy HK$600 Cash Rebate
  New credit card customers who accumulate HK$6,000 or above in retail spending within the first 2 months from the card issuance date (“Spending Period”) with the CNCBI Motion Credit Card will be entitled to HK$600 cash rebate.
• 6% Cash Rebate on dining and online spending all year round
• 6% cash rebate on dining and online spending up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transaction 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.

• iPhone Spending Offer: Up to 7% cash rebate and 12-mo 0% Split Purchase at csl / 1O1O / HKT / The Club
  • Register the promotion by 31 Dec, 2026, via Mox app
  • Every single eligible spending transaction at csl / 1O1O / HKT / The Club of HK$6,500 - HK$1,199.99 with your Mox Credit Card to earn 3% extra rebate, or earn 5% extra rebate on HK$12,000+ single eligible spending transaction
  • High reward cap: up to HK$600
  •  In the meantime, enjoy up to 12-mo 0% Split Purchase, and earn HK$200 extra reward if this is your first Split Purchase — totally HK$800 extra reward for you

• Mox Credit Card = The Only Card You Need

  •  3% CashBack on supermarkets: Earn 3% unlimited CashBack at major supermarkets across Hong Kong with Mox Credit (including: Don Don Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON, and more).
  • 2% Unlimited CashBack on everything (Mox+ members) or 1% Unlimited CashBack on everything. "Your go-to for big purchases / must-have daily card!"
  • Want to earn Asia Miles instead? Switch spending reward mode to “Asia Miles”, and start earning Unlimited Asia Miles + 0% FX fees (for both overseas spending / online shopping)
  • HKT / CSL: Enjoy 0% instalments on single purchases of HK$4,500 or above; earn HK$180 service fee rebate when you set up auto-payment with Mox Credit Card after new subscription or renewal.
  • The Club: HK$100 checkout discount; free priority access to grab 2026 flagship devices on launch day + 12-mo Smart Protection device protection plan.
  • Trip.com: Up to 8% off hotels and flights all year round + earn up to 2% unlimited CashBack.
  • Xiaomi stores / mi.com: Earn up to 7% rebates + 0% instalments.
  • Emirates: Instant discount of up to HK$300 on selected flights. - Zero annual fee, forever — essential for students and savvy spenders.
  • Use Mox Credit to pay bills and enjoy up to 56 days interest-free period with 0 fee, covering government, banks or credit cards, insurance, education and other institutions.

• Powerful flexibility -- Mox Credit x FPS

  • Customers can transfer money using FPS with Mox Credit credit line.
  • Send money to friends, pay rent, settle bills or shop online from small business – then enjoy up to 56 days interest-free before you pay it back. Plus, with automatic spending categorisation, you’ll see exactly where your money goes, all in one clean view.

• Pay Bills with Mox Credit

  • Use your Mox Credit to pay bills at over 900 merchants
  • Covering government, banks or credit cards, insurance, education institutions
  • Enjoy up to 56 days interest-free period and unlock extra cash flow
    
    
• Mox Credit Split Purchase or Split Statement
  
  • Repayment period ranging from 3 to 60 months
  • See a transparent APR that updates in real time in the Mox app
  • Split any eligible transaction(s) of HK$400+ 
  • Earn HK$200 cash reward by making an 6mo+ eligible Split Purcase of HK$5,000 or above

• Mox Card = only card that does everything
  
  • Physical card / virtual card avalible
  • Numberless card design for next-level privacy and security
  • Apple Pay & Google Pay supported
  • Free cash withdrawals at JETCO ATMs

• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
• 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).
• The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank’s Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.
• Please refer to the Mox Card Rewards Table for eligibility criteria to unlock the designated CashBack Rate / Asia Miles Reward Ratio. For further details, refer to the Definitions Schedule, Rewards for Cards Schedule and General Fees and Charges.
• Terms and Conditions apply
• You must first open a Mox account to apply for Mox Credit. 
  
  • Applicants for a Mox account must be 18 years of age or older, hold a valid Hong Kong Identity Card, and have a valid Hong Kong residential address and postal address.
• Mox Disclaimer applies.
• To borrow or not to borrow? Borrow if you can repay!