20201214__refapp__exclusive-access-benefits-login_top-banner_mobile_en
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Citi Cash Back Card
MoneyHero Exclusive Offer
Featured Product
2 %
Local Spending - Cashback Rate
on local dining and local hotel spending
Local dining and local hotel spending: 2% cash rebate; Spending in foreign currencies: 2% cash rebate
Not Available
Local Spending - Air Miles Conversion
$ 120,000
Min. Annual Income
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Standard Chartered Cathay Mastercard - Priority Banking
MoneyHero Exclusive Offer
Not Available
Local Spending - Cashback Rate
$ 4 /mile
Local Spending - Air Miles Conversion
on eligible dining, online and overseas spending
HK$6=1 Air Miles on local spending
$ 96,000
Min. Annual Income
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Standard Chartered Cathy Mastercard - Priority Private
MoneyHero Exclusive Offer
Not Available
Local Spending - Cashback Rate
$ 4 /mile
Local Spending - Air Miles Conversion
on eligible dining, online and overseas spending
HK$6=1 Air Miles on local spending
$ 96,000
Min. Annual Income
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Citi PremierMiles Card
MoneyHero Exclusive Offer
0.75 %
Local Spending - Cashback Rate
For local spending: 0.75% cashback; For overseas spending: 1.5% cashback (2% cashback for total Eligible Transactions of HK$20,000 or above in one statement cycle)
$ 8 /mile
Local Spending - Air Miles Conversion
Miles redeemed (local 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
$ 120,000
Min. Annual Income
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Hang Seng Prestige World Mastercard
0.4 %
Local Spending - Cashback Rate
on local retail spending
Not Available
Local Spending - Air Miles Conversion
$ 150,000
Min. Annual Income
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DBS Black World Mastercard®
MoneyHero Exclusive Offer
0.8 %
Local Spending - Cashback Rate
on local spending
$ 6 /mile
Local Spending - Air Miles Conversion
$ 240,000
Min. Annual Income
TODO
American Express® Platinum Credit Card
MoneyHero Exclusive Offer
2 %
Local Spending - Cashback Rate
on selected local supermarkets and gas stations spending
Applicated to the first HK$120,000 spending at the participating merchants during each Program Period
$ 2.5 /mile
Local Spending - Air Miles Conversion
Applicated to the first HK$120,000 spending at the participating merchants during each Program Period
$ 300,000
Min. Annual Income
TODO
HSBC Visa Signature Card
Latest Offer
3.6 %
Local Spending - Cashback Rate
on local retail spending with "Red Hot Rewards of Your Choice" registration
Basic Reward (1X) + Visa Signature Exclusive RewardCash (3X) + Red Hot Rewards of Your Choice (5X) = Up to 9X rebate or 3.6% cash rebate (Basic reward: 1.6% cash rebate)
$ 2.78 /mile
Local Spending - Air Miles Conversion
on local retail spending with "Red Hot Rewards of Your Choice" registration
$ 360,000
Min. Annual Income
TODO
Citi Prestige Card
MoneyHero Exclusive Offer
0.8 %
Local Spending - Cashback Rate
(Non-direct Cashback) For local spending: 0.8% cashback; For overseas spending: 1.2% cashback
$ 6 /mile
Local Spending - Air Miles Conversion
Miles redeemed (local spending)
Overseas spending: HK$4 = 1 Mile; Local spending: HK$6 = 1 Mile
$ 600,000
Min. Annual Income
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The Platinum Card®
MoneyHero Exclusive Offer
0.67 %
Local Spending - Cashback Rate
Join Membership Rewards Turbo Program to earn 2 Membership Rewards point on local spending for every HK$1 spend (0.67% cashback)
$ 7.5 /mile
Local Spending - Air Miles Conversion
on local spending
Join Membership Rewards Turbo Program to earn 2 Membership Rewards point on local spending for every HK$1 spend (HK$7.5 = 1 mile)
$ 1,000,000
Min. Annual Income
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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.

Compare the privileges offered by different credit cards and find the best premium credit cards in Hong Kong.

There are many exclusive credit cards available from Hong Kong banks that offer different benefits and features, such as American Express Cathay Pacific Elite Credit Card and Citibank PremierMiles Card. To help you choose, MoneyHero has a comparison tool that lets you view and compare all the terms, fees, features, rewards, and places in the world where you can use the card. For example, if you travel around the world often, you might want to choose a premium credit card that has extensive travel privileges.

While credit card providers are not specific about exactly who can qualify fora premium credit card, there are a few things to consider before applying. Your credit score needs to be top-notch, with a history of spending a lot of money with your credit cards. A high income is also required, as most issuers will expect that your salary or net worth is among Hong Kong's wealthiest 10%. If you do not fit this criterion, don't bother applying, as a rejected application this will cause a drop in your credit score.

If you feel confident that you're among the top echelons of Hong Kong society and could qualify for these exclusive cards then don't hesitate to apply.

See all available offers from Hong Kong's premium credit card providers using our free comparison tool. Once you've compared all the features, terms and conditions select the card of your choice and click the 'Apply Now' button. Fill out your details and submit the form to begin the application process. Your ticket to a VIP lifestyle and luxury privilege is just a few clicks away! If you get too excited with a limitless credit line, then check our guide to control your credit card spending.

Owning a premium credit card is a symbol of status, as a premium credit card has a higher minimum income requirement than that of a general credit card. Some premium credit cards are invitation-only and you simply cannot apply for it without being invited -- just having a high income may not qualify you for it.

Premium credit cards are most prestigious credit cards, many banks offer the most exclusive privileges for their cardholders, including unlimited credit24-hour concierge servicehotel room and flight upgradepriority security clearance, as well as personalized shopping service.

In the past, credit cards are mainly divided into classic cards and gold cards only, but with the popularity of credit cards, there are many levels of credit cards like classic cards, gold cards, platinum cards and titanium cards. Please note that even cards may have the same name but banks have different definitions regarding their levels. Generally, credit cards are of high levels if they have higher limits, more privileges and more application requirements. But some premium cards are invitation-only like the American Express Centurion Card, even though you get the very high salary you might not be able to own it, and this is generally regarded as the most exclusive premium card.

You should check the annual fees. Some credit cards offer annual fee waiver if you have an accumulated card spend of a certain amount before the next anniversary. But some credit cards require annual fees no matter how much you spent. Applicants should read carefully and understand the terms and conditions.

Possibly. Minimum income requirement is only one of the factors for considering your application. Some banks may also check your asset. If you meet the asset requirement, you may be able to apply for a premium card.

Not necessarily. Most premium cards need very expensive annual fees to reflect the "elite" cardholders. But since premium credit cards are getting more and more popular, there are some easy-to-apply cards which may not have annual fees, or the banks offer annual fee waiver if you have an accumulated card spend.

Not necessarily. There are many types of premium cards now and they have different requirements, while income is just one of the considerations. But generally the real premium cards have minimum income requirement and you have to be in the management level to be qualified to apply for it.

Confused about credit card terms?

Glossary terms to know for first-time credit card users