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.

The best credit cards for online shopping are those that don't only offer the best rewards whenever you shop from your favourite online stores, but also those that offer the best security features. Online shopping is definitely convenient and rewarding, but make the experience absolutely worry-free by choosing an online shopping credit card that protects you from identity theft and credit card fraud.

MasterCard and Visa now offer extra layers of security on their credit cards to protect consumers when shopping online. These security measures may include password protection and personal message features. In the case of MasterCard, transactions are made private with the SecureCode feature, which only you and your bank can have access to. Visa also offers the Zero Liability feature, which protects you from theft, loss, and fraudulent transactions made using your card.

Most banks now offer rewards when you use your card to purchase from online stores. You need to find out which retailers your bank or credit card provider partners with, to get the most out of your online shopping. If you have a favourite online store, find out if there are special offers, discounts, of privileges you're entitled to if you use your credit card for online shopping.

When making online purchases with the credit card of your choice, you're usually going to be required to supply your credit card number, expiry date, your name as shown on the card, and a three-digit code that can be found at the back of the card. Unless these details are provided, the online shop won't begin processing your online purchase.

Shopping online using a credit card offers exciting rewards and unique privileges. Every online transaction, including item purchases, booking tickets and hotel accommodations, can offer you special discounts, promotional offers, free items, or even insurance protection. You can simply sit at home and get all these credit card benefits.

Other online shopping benefits from Hong Kong credit cards include service warranties, flexible spending limits, zero liability, and free gifts from partner merchants. In addition to the regular benefits, you can even get purchase security and bonus points. So if you're a regular online shopper, find and choose a credit card that works best for your lifestyle.

Generally, online shopping credit card offers are applicable to all online spending in local or foreign currency, including online bidding platforms, hotel and airline ticket booking websites as well as online store. Please keep in mind that you may be charged dynamic currency conversion fees if your credit card transactions are processed on overseas-based websites and charged in foreign currency.

You can earn online shopping rewards only with eligible transactions. Most credit cards? terms and conditions clearly state that all returned, refunded and exchanged transactions are not eligible for rewards, and all falsified, cancelled and indemnified transactions are not entitled to earn rewards either.

"Online Shopping? refers to the eligible online spending in both local or foreign currencies, which usually excludes online bill payment, tax payment, purchases made by phone / fax (including bill payment and shopping expenses), and autopay service.

Apart from comparing the offers and rewards, you also need to look at the security, annual fees, interest rates, penalty fees and terms and conditions of the credit cards. With an advanced credit card comparison tool like MoneyHero.com.hk, this task has been made much easier for consumers like you. With just a few clicks of a button, you can easily compare different credit cards in Hong Kong and see which one is most suitable for your needs.

Most banks now offer rewards when you use your card to purchase from online stores. You need to find out which retailers your bank or credit card provider partners with, to get the most out of your online shopping. If you have a favourite online store, find out if there are special offers, discounts, of privileges you're entitled to if you use your credit card for online shopping.

When making online purchases with the credit card of your choice, you're usually going to be required to supply your credit card number, expiry date, your name as shown on the card, and a three-digit code that can be found at the back of the card. Unless these details are provided, the online shop won't begin processing your online purchase.

Just like a general credit card, an online shopping credit card holder should understand what kinds of fees the bank may charge, including annual fees and penalty fees, as clearly stated in the terms and conditions.

Banks have different requirements, but generally if you are a Hong Kong permeant resident over age 18 and you could provide valid income proof and other basic personal information, you are qualified to apply for an online shopping credit card.

In addition to looking at the annual fees, security and rewards, you should always keep in mind that most of the online shopping credit cards have welcome offer promotions, which you can earn extra cash back once you have spent designated amount within a certain period of time. You should choose your credit cards according to your personal spending preference.