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

• [Limited Exclusive Offer] From 29 April 2026 to 6 July 2026, New Customers who successfully apply New Card via Card+ app using the designated link from MoneyHero to enjoy HK$150 InstaRedeem. For details: please visit go.dbs.com/hk-150SIR_MoneyHero)
• New Customers who successfully apply New Card via Card+ app 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+.

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!

• Credit Card Key Features
  • Welcome Rewards: New customers can receive up to $700 +FUN Dollars; existing customers can receive up to $300 +FUN Dollars.
  • Online Shopping & Designated Merchants, Online Entertainment, Online Fashion Spending : Up to 8% +FUN Dollars
  • Other Online Shopping：Up to 5% +FUN Dollars
  • Foreign Currency Spending：Up to 4% +FUN Dollars
  • Daily Spending Rewards: Earn a base rebate of 0.4% +FUN Dollars on all eligible spending.

• Rebates & Offer Details
  • MMPOWER +FUN Dollars Rewards Program
    • Monthly eligible spending is now HK$3,000.
      Better yet, full-time university/tertiary students enjoy no spending threshold—earn +FUN Dollars from your very first eligible transaction!
      • Online Fashion Spending: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
        • Including Adidas、FARFETCH、NIKE and ZALORA etc.
      • Online Entertainment: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
        • Streaming Platforms: Apple TV/Music, Disney+, HBO Max, Netflix, Spotify, Viu and YouTube
        • Local Cinemas: Broadway Circuit, Emperor Cinemas, Bestarfilm Cinemas (formerly Golden Harvest Cinemas) and MCL Cinema (only ticket purchases are eligible, food and beverage purchases are excluded from this category)
        • Ticketing Platforms: Cityline, KKTIX and URBTIX
        • Local Theme Parks: Hong Kong Disneyland and Ocean Park Hong Kong
      • Designated Merchants: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
        • Refer to the terms and conditions of the “Hang Seng MMPOWER World Mastercard +FUN Dollars Rewards Programme” on the Hang Seng Bank website for the list of Designated Merchants and more details.
      • Online Shopping：Up to 5% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 4.6% +FUN Dollars)
      • Foreign Currency Spending：Up to 4% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 3.6% +FUN Dollars)
    • Note: The total monthly cap for extra rebates is $500 +FUN Dollars (including the 0.4% base rebate).
• World Mastercard Exclusive Perks
  • Private Concierge: Personalized airport meet-and-greet, assistance with check-in, and transfer services.
• Base Reward Rate: Earn $1 +FUN Dollar for every HK$250 spent.

• Important Notes
  • Existing Hang Seng customers can log on to Hang Seng Mobile App for a quicker application and processing - the system will automatically fill in your personal information from their records and the promo code. Upon login, the promo code will be pre-filled in the application form.
  • Registration Requirement: Customers must register for the MMPOWER Rewards Program on the official Hang Seng website and meet the minimum monthly spending requirement to qualify for extra rebates.
  • Definition of New Customer: Applicants who do not currently hold, and have not held in the past 12 months, any Hang Seng Credit Card, Co-branded card, or Spending Card principal card.
  • Welcome Reward Restrictions: You are ineligible for the welcome gift if you held an MMPOWER card in the past 12 months. If the account is cancelled within 13 months of opening, the welcome reward must be returned.
  • Crediting Period: +FUN Dollars will be credited to the eligible account within 3 months. The account must remain valid at the time of crediting.
  • Validity: +FUN Dollars earned are valid for 24 months from the card's anniversary month.
  • Disclaimer: MoneyHero strives for accuracy. If information differs from the financial institution or product provider, the provider’s website shall prevail. Please refer to official websites for the most updated terms.
  • To borrow or not to borrow? Borrow only if you can repay! Rewards and offers are subject to Terms and Conditions.

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.

Mox Credit – Numberless All-in-One Bank Card

• Unlimited rewards all year round – choose to earn Asia Miles or CashBack anytime with the same card!
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• 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.

With Mox Credit Credit, earn best-in-town unlimited CashBack everywhere

• Earn 3% unlimited CashBack at major supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
• Earn 2% unlimited CashBack (with an eligible Payroll Transaction of HK$25,000 or more)! Or earn 1% unlimited CashBack if otherwise
• 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)

Transfer flexibly with Mox Credit with no fees 

• Mox Credit manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Split any eligible Mox Credit Card transaction of HKD400 or above and get an instant application decision and choose a repayment period from 3 months up to 60 months with zero handling fees
• 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. 

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

• Earned CashBack or Asia Miles are instantly deposited to your Mox Account.  
• 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).
• From 2 April 2026 to 30 June 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more; and/or (b) you have Mox+ ("Unlocking Criteria"), then you may earn unlimited 2% CashBack or HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Rewards Scheme. From 1 July 2026, if you have satisfied either one of the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you will earn unlimited 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Rewards Scheme. If you have not satisfied the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may still earn unlimited 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. “Eligible Payroll Transaction” means a transaction where your employer pays your salary into your Mox Account via FPS, and the transaction is displayed as ‘Salary’ in the Mox app. For the avoidance of doubt, standing instructions or other local electronic transfers are not considered ‘Eligible Payroll Transactions’. Based on your selected Spending Rewards Scheme, you will be eligible to receive: (i) 2% CashBack; or (ii) HKD4 =1 Asia Mile  (until 30 June 2026) or HKD5 =1 Asia Mile (from 1 July 2026) during the period beginning on and from the day you complete the Eligible Payroll Transaction and ending on the last day of the next calendar month.
• 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!
• *Stock's other fees and charges continue to apply, including but not limited to the settlement fee, stamp duty, trading fee, transaction levy and trading activity fee with respect to the relevant market(s). For details, please refer to the ‘Invest Fees and Charges’ section on the Mox website. Fund's other fees and charges continue to apply, including but not limited to Annual Management fees, custodian fees and/or administration fees with respect to the relevant fund. For details, please refer to the respective fund offering documents.