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American Express® Platinum Credit Card

American Express® Platinum Credit Card

MoneyHero Exclusive OfferFeatured Product
American Express® Platinum Credit Card
$300,000
Min. Annual Income
MoneyHero Exclusive Offer:
[Till 29 Oct] Enjoy up to HK$3,159 rewards (including MoneyHero limited-time exclusive offer Apple Watch SE) when you successfully apply for the Card via MoneyHero and spend HK$5,000 in the first 3 monthsCC_AMEX_CAMPAIGN_APPLEWATCHSE_OCT_2020
Annual fee is HK$2,200 with the entitlement of 2 Supplementary Platinum Credit Cards (annual fee cannot be waived); up to 50% off at designated restaurants of Cafe Deco Group
How to Apply: Turn off AdBlocker and private mode > Click “Apply Now” > Submit your email address for redemption purpose > Continue to apply > Submit redemption form within 30 days upon card approval
Annual fee is HK$2,200 with the entitlement of 2 Supplementary Platinum Credit Cards (annual fee cannot be waived); up to 50% off at designated restaurants of Cafe Deco Group
How to Apply: Turn off AdBlocker and private mode > Click “Apply Now” > Submit your email address for redemption purpose > Continue to apply > Submit redemption form within 30 days upon card approval
The Platinum Card®

The Platinum Card®

MoneyHero Exclusive OfferFeatured Product
The Platinum Card®
$1,000,000
Min. Annual Income
MoneyHero Exclusive Offer:
[Till 29 Oct] Enjoy up to HK$4,599 rewards (including 480,000 Membership Rewards Points (equivalent to HK$1,600 vouchers) + HK$800 SOGO cash voucher + Apple Watch SE). Exclusive on MoneyHero!
Annual fee is HK$7,800 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived); Complimentary Hotel Memberships
How to Apply: Turn off AdBlocker and private mode > Click “Apply Now” > Submit your email address for redemption purpose > Continue to apply > Submit redemption form within 30 days upon card approval
Annual fee is HK$7,800 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived); Complimentary Hotel Memberships
How to Apply: Turn off AdBlocker and private mode > Click “Apply Now” > Submit your email address for redemption purpose > Continue to apply > Submit redemption form within 30 days upon card approval
DBS Black World Mastercard®

DBS Black World Mastercard®

Latest OfferFeatured Product
DBS Black World Mastercard®
0.8%
Local Spending - Cashback Rateon local spending
$6/mile
Local Spending - Air Miles Conversion
$240,000
Min. Annual Income
Latest Offer:
Up to 50,000 miles OR Rollink Flex 21 Foldable Suitcase + 2,000 miles as welcome offer
Apply for the card via DBS Omni to enjoy extra HK$200 "InstaRedeem" amount
Please turn off AdBlocker and private mode to redeem exclusive offer
Apply for the card via DBS Omni to enjoy extra HK$200 "InstaRedeem" amount
Please turn off AdBlocker and private mode to redeem exclusive offer
Hang Seng Prestige World Mastercard

Hang Seng Prestige World Mastercard

Hang Seng Prestige World Mastercard
0.4%
Local Spending - Cashback Rateon local retail spending
Not Available
Local Spending - Air Miles Conversion
$150,000
Min. Annual Income
Extravagant rewards include delicacies, shopping and travel privileges
Perpetual annual fee waiver
Extravagant rewards include delicacies, shopping and travel privileges
Perpetual annual fee waiver
Citi PremierMiles Card

Citi PremierMiles Card

MoneyHero Exclusive Offer
Citi PremierMiles Card
$240,000
Min. Annual Income
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 to redeem exclusive offer
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 to redeem exclusive offer
Citi Cash Back Card

Citi Cash Back Card

MoneyHero Exclusive Offer
Citi Cash Back Card
Not Available
Local Spending - Air Miles Conversion
$240,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to HK$1,300 welcome rewards (including HK$500 supermarket coupon exclusively from MoneyHero)
2% auto rebate for local dining, local hotel spending and foreign currency spending with no cap; digital wallets' spendings are eligible for earning Welcome Gift
Please turn off AdBlocker and private mode to redeem exclusive reward
2% auto rebate for local dining, local hotel spending and foreign currency spending with no cap; digital wallets' spendings are eligible for earning Welcome Gift
Please turn off AdBlocker and private mode to redeem exclusive reward
American Express® Cathay Pacific Elite Credit Card

American Express® Cathay Pacific Elite Credit Card

MoneyHero Exclusive Offer
American Express® Cathay Pacific Elite Credit Card
Not Available
Local Spending - Cashback Rate
$300,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to 76,000 miles as welcome gift, plus extra HK$500 supermarket coupon exclusively from MoneyHero
7,000 miles earned from new customers' spending HK$5,000; Online Fraud Protection Guarantee
Please turn off AdBlocker and private mode to redeem exclusive offer
7,000 miles earned from new customers' spending HK$5,000; Online Fraud Protection Guarantee
Please turn off AdBlocker and private mode to redeem exclusive offer
HSBC Visa Signature Card

HSBC Visa Signature Card

Latest Offer
HSBC Visa Signature Card
$2.78/mile
Local Spending - Air Miles Conversionon local retail spending with "Red Hot Rewards of Your Choice" registration
$360,000
Min. Annual Income
Latest Offer:
Successfully apply online to enjoy up to $700 RewardCash
Year-round spending rewards up to 5.6% RewardCash rebate (equivalent to HK$1.8 per air mile)
First 2 years annual fee waiver
Year-round spending rewards up to 5.6% RewardCash rebate (equivalent to HK$1.8 per air mile)
First 2 years annual fee waiver
Citi Prestige Card

Citi Prestige Card

MoneyHero Exclusive Offer
Citi Prestige Card
$600,000
Min. Annual Income
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 to redeem exclusive offer
Complimentary 4th night at any hotel; free global airport lounge access
Please turn off AdBlocker and private mode to redeem exclusive offer
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.

What is a Premium Credit Card?

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

How does it work?

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.

Apply for an Exclusive Credit Card on MoneyHero

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.

Is it true that I can apply any premium credit cards if I meet the minimum income requirement?

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.

What are the exclusive privileges of a premium credit card?

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.

What are the levels of Credit Cards?

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.

What do I need to pay attention if I want to apply for a premium credit 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.

Can I apply for a premium card if I cannot meet the minimum income requirement?

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.

All premium credit cards have annual fees?

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.

I can apply for a premium credit card only if I am an executive?

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

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© 2013 - 2020 MoneyHero Global Limited (registered in Hong Kong under company number 1864714) (“MHGL”). All rights reserved. MoneyHero Insurance Brokers Limited (registered in Hong Kong under company number 2196683) (“MHIBL”) is a wholly owned subsidiary of MHGL. MHIBL is an authorized insurance broker with Insurance Authority License Number FB1740 whose business it is to arrange insurance products and services for its clients. MHGL is not an insurance company, agent or broker. Other than the provision of marketing services to virtual insurance companies that do not work with insurance intermediaries, MHGL does not carry on an insurance business and all insurance-related activities displayed, offered or referred to on this site are carried out solely by MHIBL in its capacity as an insurance broker. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy.

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