Which credit card gives the best cashback in Hong Kong?

Cashback rates vary by bank. Some cards offer 1–2% on daily spending, while premium cards may provide higher returns with caps.

Can I earn air miles with a Hong Kong credit card?

Yes. Air miles cards let you earn Asia Miles, Avios, or KrisFlyer miles for every dollar spent.

Do Octopus top-ups earn cashback or miles?

Some credit cards reward Octopus Automatic Add Value (AAVS) or mobile wallet top-ups, but the rates are usually lower than standard spending.

How can I waive my annual credit card fee?

Many banks waive annual fees for the first year or with a minimum spending requirement.

Can students apply for a credit card in Hong Kong?

Yes. Student credit cards are available without income proof, usually with lower credit limits.

How many credit cards can I apply for at the same time?

There’s no strict limit, but banks assess your income, existing debts, and repayment ability before approval.

Compare All Credit Cards in Hong Kong 2026 | MoneyHero

Updated: 17 Jul 2026

Compare all credit cards in Hong Kong to find the one that best fits your lifestyle. Whether you’re looking for cashback, air miles, student cards, dining offers, online shopping perks, or Octopus auto reload, MoneyHero makes it easy to see all the details in one place. Apply online to enjoy exclusive rewards and limited-time promotions. Through a thorough comparison between these cards, you can effectively choose the right credit card that manages your finances and earns you attractive benefits in Hong Kong, such as cash back, air miles, and exclusive promotions. Apply now with MoneyHero to start enjoying these generous benefits!

Why Trust MoneyHero

Credit Card	Hot Reward	Reward Value	Card Benefit	Minimum Annual Income
Citi Cash Back Card	Nintendo Switch 2 (valued at HK$3,700)(Need to redeem with the Designated Card at the redemption price of HK$1,585)	HK$4,480	1 - 2 % cashback	HK$120,000
Standard Chartered Cathay Mastercard	Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (value of HK$4,980)	HK$4,980	Up to $2 - 6 per mile	HK$96,000
DBS Eminent Visa Platinum Card	HK$1,500 Apple Store Gift Card	HK$5,630	2 - 5 % cashback	HK$150,000
DBS Black World Mastercard®	HK$1,500 Apple Store Gift Card	HK$5,030	$4 - 12 per mile	HK$240,000
sim Credit Card	HK$1,200 Cash Rebate (Deposited via FPS Account)	HK$4,980	0.4 - 8 % cashback	No Requirement
sim World Mastercard®️	HK$1,200 Cash Rebate (Deposited via FPS Account)	HK$4,980	0.4 - 8 % cashback	HK$150,000
Standard Chartered Smart Credit Card	HK$800 HKTVmall e-Gift Voucher	HK$5,980	0.5 - 5 % cashback	HK$96,000
Hang Seng MMPOWER World Mastercard	New Credit Card Customer : HK$1,000 Cash Rebate (Deposited via FPS)	HK$5,680	Up to8 % +FUN Dollars	HK$150,000
HSBC EveryMile Credit Card	【Limited-time Extra Welcome Offer】Up to HK$2,450 in RewardCash	HK$2,500	$2 - 12.5 per mile	HK$240,000
HSBC Red Credit Card	【Limited-time Extra Welcome Offer】Up to HK$800 in RewardCash	HK$850	0.4 - 4 % cashback	HK$120,000
CNCBI Motion Credit Card	HK$500 Apple Store Gift Card	HK$1,899	0.4 - 10 % cashback	HK$96,000
The Platinum Card®	HK$6,000 Apple Store Gift Card	HK$9,100	$4.5 - 7.5 per mile	No Requirement
CNCBI GBA Dual Currency Credit Card	HK$500 Apple Store Gift Card	HK$1,899	0.4 - 10 % cashback	HK$96,000
American Express Explorer® Credit Card	LTO Extra HK$200 Statement Credit upon first transaction	-	$1 per mile	HK$300,000
Citi Rewards Card	Nintendo Switch 2 (valued at HK$3,700)(Need to redeem with the Designated Card at the redemption price of HK$1,585)	HK$4,480	1 - 3 %	HK$120,000
Mox Credit Card (Asia Miles)	DELSEY SHADOW 5.0 75 CM 4 DOUBLE WHEELS EXPANDABLE TROLLEY (Suggested Retail Price: HK$3,890) (provided by Mox)	HK$5,090	$5 per mile	No Requirement
Citi PremierMiles Card	Nintendo Switch 2 (valued at HK$3,700)(Need to redeem with the Designated Card at the redemption price of HK$1,585)	HK$4,480	$3 - 8 per mile	HK$120,000
Standard Chartered Simply Cash Visa Card	HK$800 HKTVmall e-Gift Voucher	HK$5,580	1.5 - 2 % CashBack	HK$96,000
Mox Credit Card (CashBack)	DELSEY SHADOW 5.0 75 CM 4 DOUBLE WHEELS EXPANDABLE TROLLEY (Suggested Retail Price: HK$3,890) (provided by Mox)	HK$5,090	Up to3 % CashBack	No Requirement
Hang Seng enJoy Card	New Credit Card Customer : Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980)	HK$5,680	Up to2 % cashback	HK$150,000
Hang Seng Travel+ Visa Signature Card	New Credit Card Customer : Marshall Willen II Wireless Portable Speaker (valued at HK$999)	HK$1,699	Up to7 % +FUN Dollars	HK$150,000
Airwallex Borderless Card	HK$2,000 Apple Store Gift Card	HK$2,000	1 % cashback	No Requirement
BOC Bliss Card	HK$800 Wellcome Shopping Voucher	HK$4,980	Up to 6 % Cashback	HK$ 600,000
CNCBI Hong Kong Airlines Mastercard® Card	HK$500 Apple Store Gift Card	HK$899	-	HK$96,000
PrimeCredit WeWa Visa Signature Card	New Credit Card Customer: HK$600 Exclusive Welcome Reward	HK$2,300	10 %	HK$240,000
HSBC UnionPay Dual Currency Card	-	HK$800	$2.27 - 4.17 per mile	HK$60,000
Citi Octopus Platinum Card	-	-	-	HK$120,000
HSBC easy Credit Card	-	HK$1,950	2.4 % cashback	HK$120,000
HSBC Visa Gold Card	-	HK$800	1 - 2.4 % cashback	HK$60,000
BOC Chill Platinum Mastercard	HK$800 Wellcome Shopping Voucher	HK$4,980	Up to8 % Cash Rebate	HK$150,000
BOC Cheers Visa Signature Card	HK$800 Wellcome Shopping Voucher	HK$4,980	$1.9 per mile	HK$150,000
BOC Chill World Mastercard	HK$800 Wellcome Shopping Voucher	HK$4,980	Up to10 % Cash Rebate	HK$300,000
PrimeCredit EarnMORE UnionPay Diamond Card	New Credit Card Customer: HK$600 Exclusive Welcome Reward	HK$4,290	Up to 8 % cashback	No Requirement
HSBC Pulse UnionPay Dual Currency Diamond Credit Card	-	HK$2,050	2.4 - 4.4 % cashback	HK$120,000
HSBC Visa Signature Card	-	HK$2,050	0.04 - 3.6 % cashback	HK$240,000
BOC Cheers Visa Infinite Card	HK$800 Wellcome Shopping Voucher	HK$4,980	$1.5 per mile	HK$600,000
Standard Chartered Cathay Mastercard - Priority Banking	Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (value of HK$4,980)	HK$4,980	$2 - 6 per mile	HK$96,000
Standard Chartered Cathay Mastercard - Priority Private	Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (value of HK$4,980)	HK$4,980	$2 - 6 per mile	HK$96,000
American Express® Platinum Credit Card	-	HK$1,800	$2.5 - 5 per mile	HK$300,000
Blue Cash® Credit Card from American Express	-	HK$600	1.2 % cashback	No Requirement
Citi Rewards UnionPay Card	Nintendo Switch 2 (valued at HK$3,700)(Need to redeem with the Designated Card at the redemption price of HK$1,585)	HK$4,480	0.37 - 1.85 % cashback	HK$120,000
DBS COMPASS VISA	-	HK$50	0.4 - 10 % cashback	HK$100,000
DBS Eminent Visa Signature Card	HK$1,500 Apple Store Gift Card	HK$5,630	2 - 5 % cashback	HK$360,000
DBS Live Fresh Tertiary Student Card	HK$400 Apple Store Gift Card	HK$400	0.4 - 6 % cashback	No Requirement
DBS Live Fresh Card	HK$400 Apple Store Gift Card	HK$450	0.4 - 6 % cashback	HK$150,000
HSBC Visa Gold Card for Students	-	-	1 - 2.4 % cashback	No Requirement
PrimeCredit WeWa Visa Platinum Card for University Student	New Credit Card Customer: HK$600 Exclusive Welcome Reward	HK$2,300	10 %	No Requirement
PrimeCredit EarnMORE UnionPay Card for University Student	New Credit Card Customer: HK$600 Exclusive Welcome Reward	HK$4,290	Up to 8 % cashback	No Requirement
Citi Prestige Card	HK$3,000 Apple Store Gift Card	HK$3,990	$4 - 6 per mile	HK$600,000
Dah Sing ONE+ Credit Card	-	-	0.5 - 1 % cashback	HK$150,000
American Express® Gold Business Card	-	-	$6 per mile	HK$200,000
Dah Sing ANA World Mastercard	-	-	$8 per mile	HK$150,000
Dah Sing MyAuto Credit Card	-	-	8 % rebate	HK$150,000
Dah Sing United MileagePlus World MasterCard	-	-	HK$5 - 8 per mile	HK$150,000
Dah Sing British Airways Platinum Card	-	-	$4 - 6 per mile	HK$150,000
AEON Visa Credit Card	-	-	5 % cashback	No Requirement
AEON Mastercard Credit Card	-	-	5 % cashback	No Requirement
AEON UnionPay Credit Card	-	-	5 % cashback	No Requirement
AEON JCB Credit Card	-	-	5 % cashback	No Requirement
AEON CARD WAKUWAKU	-	-	1 - 6 % cashback	No Requirement
AEON Card JAL MasterCard	-	-	HK$6 - 8 per mile	No Requirement
AEON SPCA Mastercard (Kitten)	-	-	-	No Requirement
AEON SPCA Mastercard (Puppy)	-	-	-	No Requirement
BOC Go UnionPay Diamond Card	-	-	Up to5 % Cash Rebate	HK$300,000
BOC Go UnionPay Platinum Card	-	-	Up to5 % Cash Rebate	HK$150,000

Show All Cards (65)

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Cashback

Citi Cash Back Card

Cashback Dining

2 %

Cashback Overseas

2 %

Cashback Local

1 %

Annual Fee Waiver

First year

MoneyHero Reward up to HK$4,480

Apply through MoneyHero and choose from 15 premium rewards

MoneyHero's take

Dining rebate
Overseas rebate
Unlimited rebate
High-priced welcome gifts

Card Details

Repayment Details

Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)

Late Payment Charge: HK$300

Interest Free Period: 58 days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$120,000

Key Features

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.

Airmiles

Standard Chartered Cathay Mastercard

Airmiles Dining

$ 4 per mile

Airmiles Overseas

$ 4 per mile

Airmiles Hotel Booking

$ 4 per mile

Airmiles Coversion Fee

Waived

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 7 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Welcome offer: Air miles

Air miles conversion
Hotel bookings offer
Overseas rebate

Card Details

Repayment Details

Minimum Payment: All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher.

Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower

Interest Free Period: Up to56 days

Fees

Annual Fee: HK$2,000

Air Miles Conversion Fee: Waived

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$96,000

Key Features

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.

Cashback

DBS Eminent Visa Platinum Card

Cashback Local

Up to 1 %

Cashback Overseas

Up to 5 %

Cashback Dining

5 %

Annual Fee Waiver

First year

MoneyHero Reward up to HK$5,630

Apply through MoneyHero and choose from 10 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Dining rebate
Annual Fee waiver
Dining discount

Card Details

Repayment Details

Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: i. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; ii. any amount in excess of the credit limit incurred after last statement date; and iii. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account; or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.

Late Payment Charge: If you fail to pay the minimum payment shown on any monthly statement, the rate for finance charge will be adjusted by adding the following applicable Delinquency Adjustment Rate (the ""Adjusted Interest Rate""): Transaction Type i. Cash Advance 4.8% (46.45%) ii. Retail Transaction 4.3% (41.80%*) iii. Merchant Categories of Internet Bill Payment / JET Payment / Bill Payment through Customer Services Hotline: • Banking and Credit Card Services / Credit Card Payment / Credit Services 4.8% (43.69%) • Security Broker 4.3% (43.65%*) • Others 4.3% (41.80%*) The APR of the corresponding Adjusted Interest Rate is shown in brackets. The Adjusted Interest Rate will apply from the day following the date of the monthly statement issued after the occurrence of the delinquency until the full amount or at least the minimum payment is paid on or before the payment due date for 6 consecutive monthly statements.

Interest Free Period: 60 days

Fees

Annual Fee: HK$1,800

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$150,000

Key Features

DBS Eminent Card Up to 5% Rebate Programme

A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$4,000 Eligible Spending in Other Retail Spending in each calendar month)
Other retail spending up to 1 % rebate (applicable for the first HK$15,000 Eligible Spending in Other Retail Spending in each calendar month)
Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
For details, please visit go.dbs.com/hk-eminent-rebate-en.

Dining Privileges

Conrad Hong Kong up to 10% off

Up to 81% off of Health & Medical Privileges

Subscription Service Extra Welcome Offer of HK$240

Spend at 5 Service Subscription Categories to get HK$240 “Instant Redeem", click here for details.

Flexi Shopping Eminent Card Exclusive Offer

3 times 50% one-off handling fee rebate on medical service spending instalments!
Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme

Smartphone Application Guide

Apply for a DBS Eminent Card Mastercard through the MoneyHero mobile website to earn exclusive welcome offers plus an additional HK$50 InstatRedeem from DBS Card+. For details, please visit DBS website.

Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
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.
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 and/or DBS COMPASS VISA) issued by DBS
Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate.
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-eminent
To borrow or not to borrow? Borrow only if you can repay!

Airmiles

DBS Black World Mastercard®

Airmiles Overseas

Up to $ 2 per mile

Airmiles Local

$ 6 per mile

Airmiles Dining

$ 6 per mile

Annual Fee Waiver

One year

MoneyHero Reward up to HK$5,030

Apply through MoneyHero and choose from 10 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Travel agency offer
Welcome offer: Air miles
Air miles conversion
No expiry air miles

Card Details

Repayment Details

Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: (i) all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; (ii) any amount in excess of the credit limit incurred after last statement date; and (iii) 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account, or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.

Fees

Annual Fee: HK$3,600

Air Miles Conversion Fee: Waived

Eligibility

Min. Annual Income: HK$240,000

Key Features

Credit Card Features

Welcome offer up to 32,000 mile
Suitable for frequent travelers, oversea spending as low as HK$2 = 1 mile
Offers various mileage conversions, including Cathay, Avios, KrisFlyer, and PhoenixMiles
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
First year annual fee waiver

Rebate & Offer details

Overseas / Foreign Currency Spending: As low as HK$2 = 1 mile
Register via DBS Card+ app now to enjoy the oversea spending as low as 1 mile upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month, click here for details.
Local spending: HK$6 = 1 mile

Subscription Service Extra Welcome Offer of HK$240

Spend at 5 Service Subscription Categories to get HK$240 “Instant Redeem", click here for details.

Flexi Shopping Black World Mastercard® Exclusive Offer

Enjoy 50% one-off handling fee rebate on the first 3 travel merchant category spending
Promotions bounded by terms and conditions, click here for details.

Use DBS$8 equivalent to HK$10 to offset Online or Travel Merchant Spending

Promotions bounded by terms and conditions, click here for details.

Redeem flights or hotels at up to 45% off with DBS$, plus enjoy a waiver of mileage conversion handling fees.

Freely converted to Asia Miles, Avios, KrisFlyer, and PhoenixMiles; AsiaMiles can even be instantly converted and deposited into your mileageaccount.
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
Use DBS$ to enjoy up to 45% off travel rewards at iGO Rewards.

Smartphone Application Guide

From 7 July 2026 to 5 Oct 2026, 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

Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
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.
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!

Cashback

sim Credit Card

Cashback Local Online Shopping

Up to 8 %

Cashback Overseas Online Shopping

Up to 8 %

Cashback Local

Up to 8 %

Annual Fee

HK$

800 ,first-year annual fee waiver

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 8 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

Card Details

Repayment Details

Minimum Payment: HK$50 The aggregate of the following items (whichever is higher): - (a) 1% of statement balance; and (b) all finance charges; and (c) instalment amount; and (d) other fees, charges billed, overdue amount and overlimit amount. If full amount is less than HKD50, the minimum payment is the full amount.

Late Payment Charge: HK$300

Interest Free Period: Up to53 days, this period does not apply to cash advance transaction.

Fees

Annual Fee: HK$800 ,first-year annual fee waiver

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: No Requirement

Key Features

Welcome Offer Details:
- Promotion Period for CashBack Promotion: 1 May 2026 to 30 September 2026
- Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above)
- Local Transportation Spending: 8% CashBack, capped at HK$200 per month* (applicable to Citybus, Cityflyer, KMB, LWB, MTR, Tram and Star Ferry)
- Designated Merchant Spending: 3% CashBack, capped at HK$200 per month* (designated local merchants include: Adidas, matsukiyo HK, PUMA, Fila, Tokyo Lifestyle)
- Eligible Bill Payment Transactions: 2% CashBack, capped at HK$200 per month* (only applicable via sim Credit Card App “Pay Bills/Taxes” service)
- Other Eligible Retail Spending: 0.4% basic CashBack
- *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month
- *Under this CashBack Promotion, each Eligible Card can earn a maximum total of HK$1,000 CashBack during the entire Promotion Period
- *Supplementary card spending will be combined with the principal card account for reward calculation
- *CashBack will be credited to the Eligible Card account in the following calendar month after settlement
- The above promotion is subject to relevant terms and conditions.

Terms and Conditions apply: https://www.thesim.com/en/legal

“Eligible Retail Transactions” shall not include cash advance transactions, payments of any Fees and Charges of a Card (e.g. annual fees, interest or finance charges, late charges, over-the-limit handling charges, cash advance handling fees and other charges), payment to the Inland Revenue Department and/or any other relevant authorities, tolls, road and bridge fees, online bill payment or utilities bill or all payments to and/or transactions with any insurance company (including but not limited to insurance premium payment), all donation and/or payment to any charitable or social service organizations, purchase of any cash coupon or cash voucher, payments for any unit trusts or mutual funds, casino transactions (including but not limited to gambling transactions), any money or electronic money transfer (including but not limited to transfers via person to person (P2P) payment services or mobile device, application, electronic funds transfer platform), reload/ transfer/ payment transactions made via or in relation to electronic wallets (including but not limited to Alipay, WeChat Pay, PayMe), reload of stored value accounts, Octopus top-up transactions by any means (including but not limited to Automatic Add Value Service (AAVS), online or through mobile), cash withdrawal, loan on Card, instalment amount, unposted transactions, cancelled transactions, returned transactions, counterfeit transactions or any other unauthorized transactions. The Card Issuer’s records with respect to the Eligible Cardholder on the amount of Eligible Retail Transactions accumulated from time to time are conclusive and binding on the Eligible Cardholder. All Eligible Retail Transactions shall be determined based on the merchant codes assigned by the related card associations worldwide and the Card Issuer, which may be varied from time to time without prior notice. If there is any dispute regarding any Eligible Retail Transactions, the decision of the Card Issuer shall be final and conclusive.

Cashback

sim World Mastercard®️

Cashback Local Online Shopping

Up to 8 %

Cashback Overseas Online Shopping

Up to 8 %

Cashback Local

Up to 3 %

Annual Fee

HK$

1,800

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 8 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

Card Details

Repayment Details

Late Payment Charge: HK$300

Interest Free Period: Up to53 days, this period does not apply to cash advance transaction.

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$150,000

Key Features

Welcome Offer Details
- Promotion Period for CashBack Promotion: 1 May 2026 to 30 September 2026
- Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above)
- Overseas Spending: 8% CashBack, capped at HK$200 per month* (applicable to eligible overseas retail transactions made outside Hong Kong and posted in non-HKD currencies)
- Designated Merchant Spending: 3% CashBack, capped at HK$200 per month* (designated local merchants include: Adidas, matsukiyo HK, PUMA, Fila, Tokyo Lifestyle)
- Eligible Bill Payment Transactions: 2% CashBack, capped at HK$200 per month* (only applicable via sim Credit Card App “Pay Bills/Taxes” service)
- Other Eligible Retail Spending: 0.4% basic CashBack
- *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month
- *Under this CashBack Promotion, each Eligible Card can earn a maximum total of HK$1,000 CashBack during the entire Promotion Period
- *Supplementary card spending will be combined with the principal card account for reward calculation
- *CashBack will be automatically credited to the Eligible Card account in the following calendar month after settlement
- The above promotion is subject to relevant terms and conditions.

New customers：
- at the time of the application, not currently holding and has not, within the past 12 calendar months from the month of application, cancelled nor held any principal card issued by the Card Issuer;
- at the time of the application, not currently using any loan or credit services of the Card Issuer or maintaining any loan or credit accounts with the Card Issuer and has not, within the past 24 calendar months from the month of application, used any loan or credit services of the Card Issuer or maintained any loan or credit accounts with the Card Issuer.
- Terms and Conditions apply: https://thesim.com/tc/legal

Cashback

Standard Chartered Smart Credit Card

Cashback Local

5 %

Cashback Supermarket

5 %

Annual Fee Waiver

Perpetual Annual Fee Waiver

MoneyHero Reward up to HK$5,980

Apply through MoneyHero and choose from 7 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Installment
No foreign txn fee
Local spending rebate
Annual Fee waiver

Card Details

Repayment Details

Interest Free Period: Up to56 days

Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower.

Fees

Foreign Currency Transaction Fee: 0 %

Annual Fee: Perpetual Annual Fee Waiver

Eligibility

Min. Annual Income: HK$96,000

Minimum Age: 18 years old

Key Features

Welcome offer of up to HK$1,000 cashback
Enjoy up to 5% CashBack* year-round at Designated Merchants, applicable to both online and offline spending (HK$1 CashBack for every HK$20 spent).
- Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
- Beauty & Health care: Watsons, Sasa
- Food and beverage: McDonald’s Hong Kong, Foodpanda
- Sport & Entertainment: Klook
- Digital Lifestyle: China Mobile Hong Kong and s/ash
- All spending at selected merchants is eligible for 5% cashback throughout the year
- A minimum of HK$4,000 eligible spending per month is required; otherwise, no cashback will be earned for that month
- Agoda hotel offer: Standard Chartered cardholders can enjoy up to 7% off global hotel bookings
- 1.95% foreign transaction fee waiver: No extra fee for overseas or online foreign currency spending
- No cash advance service fee
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
Perpetual annual fee waiver

	Extra CashBack		Basic CashBack		Total CashBack#
Monthly Eligible Spending*	CashBack for Eligible Transactions made at Designated Merchants	Spending Cap per Monthly Statement Cycle	CashBack for Eligible Transactions	Spending Cap per Monthly Statement Cycle
HKD 4,000 to HKD 14,999	4.44%	HKD5,000^	0.56%	No Cap	5%
HKD 15,000	3.80%	HKD5,000^	1.2%	No Cap	5%

Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
- 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.
You are required to redeem CashBack through the 360° Rewards Redemption Platform.
- The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
- Cardholders are required to redeem CashBack through the platform.
- The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.

Terms and conditions apply. Please refer to Standard Chartered website for credit card details.

To borrow or not to borrow? Borrow only if you can repay!

Cashback

Hang Seng MMPOWER World Mastercard

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

Annual Fee Waiver

Perpetual

MoneyHero Reward up to HK$5,680

Apply through MoneyHero and choose from 10 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Online fashion spending rebate
Online entertainment spending rebate
Designated merchants spending rebate
Online shopping spending rebate
Foreign currency spending rebate
No annual fee

Card Details

Repayment Details

Minimum Payment: -

Interest Free Period: 56 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$150,000

Key Features

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
- Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme
  - 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.
    - Other 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).
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 Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme 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.

Airmiles

HSBC EveryMile Credit Card

Airport Lounge Access

6 times

Airmiles Local

$ 5 per mile

Airmiles Overseas

$ 5 per mile

Complimentary Travel Insurance

Yes

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Hotel bookings offer
Airport lounge
Travel agency offer
Travel insurance

Card Details

Repayment Details

Late Payment Charge: Minimum Payment Due or HK$230, whichever is lower

Interest Free Period: 56 days

Minimum Payment: All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any) (the minimum amount of Minimum Payment is HK$50).

Fees

Air Miles Conversion Fee: Waived

Annual Fee: HK$2,000

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: HK$240,000

Key Features

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

Enjoy an “Interest-free Payment Holiday” for the first two months
- You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required).
HK$2 spent = 1 mile on designated everyday spend; HK$5 spent = 1 mile on local purchases
Designated merchants include: Klook, Kkday, KMB, Citybus, First Bus, MTR, Starbucks and etc.(complete full merchant list)

First year annual fee waiver

Use your RewardCash to redeem amazing rewards or miles / points at 15+ frequent flyer and hotel loyalty programmes, including Aeroplan, Asia Miles™, British Airways Executive Club Avios, Singapore Airlines KrisFlyer, Emirates Skywards, Finnair Plus, Infinity MileageLands etc.
- Please refer to HSBC website for the complete list of flyer and hotel loyalty programmes.

Lounge Access
- 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets, travel companions enjoy 20% discount on entrance fee
Insurance and concierge benefits
- Protect yourself and accompanying family members with our complimentary multi-trip travel insurance, which also covers baggage and personal effects and trip cancellation. T&Cs apply
Visa concierge services
Earn miles on designated everyday and travel spends. Every HK$2 spent is worth 1 mile(at selected cafés & light meals, local transportation, cross-border transportation and travel services)—see our full merchant list (PDF)

Flexible RewardCash conversion
- Use the Reward+ App to convert your RewardCash at a preferential rate to miles or points across over 15 frequent flyer and hotel loyalty programmes, or redeem free tickets from over 110 airlines—the widest flight redemption coverage in Hong Kong. See our list of partners

Other things to note

The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
To borrow or not to borrow? Borrow only if you can repay!

Cashback

HSBC Red Credit Card

Designated merchants

Up to 8 %

Online Shopping

Up to 4 %

Annual Fee

Perpetual annual fee waiver

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Online shopping rebate
Overseas rebate
Annual fee waiver
Cinema ticketing

Card Details

Repayment Details

Minimum Payment: All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any) (the minimum amount of Minimum Payment is HK$50).

Late Payment Charge: Minimum Payment Due or HK$230, whichever is lower.

Interest Free Period: 56 days

Fees

Annual Fee: Perpetual annual fee waiver

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$120,000

Key Features

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!

Cashback

CNCBI Motion Credit Card

Cashback Dining

6 %

Cashback Local Online Shopping

6 %

Cashback Overseas Online Shopping

6 %

Cashback Overseas

10 %

MoneyHero Reward up to HK$1,899

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Dining rebate
Online shopping rebate
Annual Fee waiver

Card Details

Repayment Details

Interest Free Period: 57 days

Late Payment Charge: HK$300 or amount equal to the Minimum Payment Due, whichever is lower.

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$96,000

Key Features

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!

Airmiles

The Platinum Card®

Airmiles Overseas

As low as $ 2 per mile

Local Dining

Up to 40 % off

Annual Fee

HK$

9,500

Cashback Overseas

Up to 3 %

MoneyHero Reward up to HK$9,100

Apply through MoneyHero and choose from 3 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Travel insurance
Dining discount
Airport lounge
Travel agency offer

Card Details

Repayment Details

Minimum Payment: Total spending of that month

Late Payment Charge: 3.9 %

Fees

Annual Fee: HK$9,500

Foreign Currency Transaction Fee: 2 %

Air Miles Conversion Fee: $300

Eligibility

Min. Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

Travel Offer

American Express Travel Online Benefit
Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$1,100 Statement Credit
- For details, please refer to American Express Travel Online Benefit | American Express Hong Kong
Complimentary Access to The Centurion Lounges
Enjoy over 1,550 lounges access over the world, and complimentary access to The Centurion Lounge including Hong Kong International Airport, Tokyo Haneda Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.
Fine Hotels & Resorts
Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available, including Park Hyatt Niseko Hanazono, InterContinental Osaka, Grand Hyatt Seoul, Conrad Seoul and Capella Bangkok
Elite partner programs
Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status
The Hotel Collection
Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.
Comprehensive Travel Insurance*
Travel Accidents coverage of up to HK$3,000,000, Medical Assistance and expense up to HK$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.
*With effect from July 30, 2026, new or revised terms will be added to the Terms and Conditions of American Express Group Travel Insurance Plan for The Platinum Cardmembers (Policy Number: NAC0000012). All claim events, or incidents occurring on or after the Effective Date, insured trips must be paid with an American Express® Card. For details and other changes, please click here.

New offer launched in August！The Country Club at Hong Lok Yuen Admission Privilege Basic Cardmembers of The Platinum Card can enjoy complimentary access to The Country Club at Hong Lok Yuen for 2 times per calendar month upon successful registration through designated link. Promotion details please refer to The Country Club at Hong Lok Yuen Admission Privilege | American Express HK.

New! “Up to 9X” Membership Rewards® points Accelerator Program to earn as low as HK$2 = 1 mile
From now to December 31, 2027, enroll your Platinum Card at designated link to enjoy an exclusive offer of earning as low as HK$2 = 1 Mile for spending in Foreign Currencies, airlines, and at designated travel & everyday spend merchants.

Designated travel merchants include Agoda, Trip.com, Expedia, Booking.com etc. Designated everyday spend merchants include Wellcome, ParknShop, Mannings, Watsons, YATA etc.
Promotion details please refer to “Up to 9X” Membership Rewards points Accelerator Program | American Express HK

Dining Offer
Basic and Supplementary Cardmember can enjoy

Global Dining Credit
Year-round benefit of up to HK$2,000 Global Dining Credit, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for overseas dining at over 1,400 abroad restaurants and in 20 locations around the world.
- Promotion details please refer to Global Dining Credit | American Express Hong Kong
NEW! Enjoy up to 30% savings at selected restaurants of Elite Concepts.
- 30% savings on the original price of the designated menu at participating restaurants, including Ye shanghai (K11 Musea), Nam Hoi No.2, Deng G, Lotus and Spice (NEW)
- 20% savings on the original price for access and dining at Penthouse.
- Promotion details please refer to Elite Concepts l American Express HK
NEW! Enjoy up to 30 % savings on the a la carte menus at selected restaurants of JIA Group, Including 22 Ships (NEW), Duddell’s, Chachawan, Leela, La Terrace by Louise
- Promotion details please refer to JIA Group l American Express HK
NEW! Enjoy 30% savings on the original price of the designated dinner menu at participating restaurants of Wooloomooloo Group
- Designated restaurants include: MOOO! – Tsim Sha Tsui, OMAROO Grill – Central, Wooloomooloo Steakhouse - Tsim Sha Tsui East, Wooloomooloo Steakhouse - Wan Chai and Wooloomooloo Prime – Tsim Sha Tsui
- Promotion details please refer to Wooloomooloo Group | American Express HK
Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
- Promotion details please refer to Maxim's Dining | American Express HK
Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
- Designated restaurants of Cafe Deco Group includes: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
- The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
- Promotion details please refer to Cafe Deco | American Express HK
Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.

Earn Rewards points when you spend with the Card

Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.67%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 260 Membership Reward points Points = HK$1 Redemption Points
Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.33%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 260 Membership Reward points Points = HK$1 Redemption Points
Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 1%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 260 Membership Reward points Points = HK$1 Redemption Points

Lifestyle Offer

Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cookedDeli in Hong Kong.

Shopping Protection

Online Fraud Protection GuaranteeShop online with the Card and you won't be held responsible for any fraudulent charge.
Return GuaranteeRefund if you are unhappy with the purchase made with the Card.
Extended WarrantyWhen purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
Price ProtectionRefund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
45 Days CoverAlmost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
Terms and Conditions apply.

Reminder

The Platinum Card® Year-Round Offers Terms and Conditions apply.
Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)
Existing Basic Platinum Cardmember / American Express Peninsula Platinum Card Basic Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.
The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.

Cashback

CNCBI GBA Dual Currency Credit Card

Cashback RMB Spending

10 %

Cashback Digital Wallet

4 %

Annual Fee Waiver

First year

MoneyHero Reward up to HK$1,899

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Overseas rebate
Airport lounge
Welcome offer: Rebate
No foreign txn fee

Card Details

Repayment Details

Minimum Payment: 1 %

Late Payment Charge: HK$300

Interest Free Period: 57 Days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: Waived

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$96,000

Key Features

Spending Categories RMB or UnionPay App Spending Single spending of CNY4,000

Cash Rebate Offer 4% Extra 6%

Maximum Cash Rebate
per month HK$150 HK$250
4% Cash Rebate on RMB and UnionPay App spending
- From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy 4% Cash Rebate on RMB and UnionPay App consumer presented QR code payment mode) up to extra HK$150 Cash Rebate per month.
Extra 6% Cash Rebate on RMB spending
- From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy extra 6% Cash Rebate on a single RMB spendingof CNY4,000 or above, up to extra HK$250 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer.
Up to 45% Cash Rebate on top of 5% Instant Discount on GBA Hotel Booking
- From now to 8 January 2026, enjoy extra up to 45% cash rebate on top of 5% instant discount on GBA hotel booking by redeeming the offer with designated promotion code through Wing On Travel website or App. Cardmembers are entitled to a maximum of HK$120/order under instant 5% off offer and a maximum of HK$360/order under up to 45% cash rebate offer. Quota applies and on a first-come-first-served basis while quota lasts.
No foreign currency transaction handling fee
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 GBA Dual Currency 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 GBA Dual Currency will be entitled to HK$600 cash rebate.
First year annual fee waiver
- Other things to note
- Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
- Terms and conditions apply. For details, please visit www.cncbinternational.com/personal/promotions/credit-card/en/index.html.
- Reminder: To borrow or not to borrow? Borrow only if you can repay!

Airmiles

American Express Explorer® Credit Card

New Local Spending During Welcome Period

$ 3 per mile

Travel & FX Spend

as low as $ 1.68 per mile

Airport Lounges Access

12 times

Annual Fee Waiver

First year waiver

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Enjoy up to 12 complimentary airport lounge visits (also applicable to supplementary cardmembers).^
A travel essential! Includes travel insurance.
Earn miles fast! Points never expire and can be redeemed for miles with no handling fees.
Shopping protection includes return guarantee, 45-day purchase protection, extended warranty, and price protection.

Card Details

Repayment Details

Minimum Payment: Highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$300, plus any overdue minimum payments and any amount exceeding your credit limit.

Late Payment Charge: 5 %

Fees

Annual Fee: HK$2,200

Foreign Currency Transaction Fee: 2 %

Air Miles Conversion Fee: Waived

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$300,000

Key Features

Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$2.25 = 1 mile on selected online everyday spend merchants.

Local Currency Spend

Click Here and Register:
Basic Points Reward:HK$1 = 3 points (HK$6/mile or 1% cash rebate)
Welcome Offer Points Reward:HK$1 = 6 points (HK$3/mile or 2% cash rebate)

[Extra] HK$1 = 3 points, HK$15,000 / Quarter

Foreign Currency Spend

Click Here and Register:

HK$1 = up to 10.75 Membership Rewards points (HK$1.68 = 1 mile）

[Extra] HK$4 = 31 points, HK$10,000 / Quarter

Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.

No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.
- You can transfer your points into 7 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.
- You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.

Travel Privileges - take care of your travel needs
- * With effect from January 1, 2026, new changes will be made to the American Express Explorer Credit Card Benefits Terms and Conditions on the Plaza Premium Lounge Access or a complimentary meal set at designated dining outlets Offer Terms and Conditions. Click here for details.
- Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.
Explorer Overseas & Travel Spend Offer
- From now until December 31, 2026, earn as low as HK$3=1 Mile for HKD spending; earn as low as HK$1.68= Mile for foreign currency spending. There is no minimum spending requirement. Register now!
Refer a friend after card approval^ and earn an extra 4,000 miles when their application is successfully approved!

^ Referral rewards are subject to a cap. Effective from 1 September 2026, the annual referral limit of 10 successful referrals per referrer will be revised to a maximum of 5 successful referrals during the period from 1 September to 31 December 2026. Referred applicants must not currently hold, or have cancelled within the 12 months preceding the application date, any principal Credit Card or Charge Card issued by American Express Hong Kong. Subject to the American Express Explorer Credit Card Member Referral Program Terms and Conditions.

Shopping Protection
Spend with the Card to enjoy the following protection:
- Online Fraud Protection Guarantee
  Shop online with the Card and you won't be held responsible for any fraudulent charge.
- Return Guarantee
  Refund if you are unhappy with the purchase made with the Card.
- Extended Warranty
  When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
- Price Protection
  Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
- 45 Days Cover
  Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
- Terms and Conditions apply.

Entertainment and Shopping Privileges
- 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.

First year annual fee waiver upon successful card application
- Spend HK$150,000 annually with the principal and any supplementary card(s) and your HK$2,200 annual card fee will be waived for the following year.
Travel Spend Offer
- Enroll to earn as low as HK$1.68 = 1 mile on Travel Spend Offer, equivalent to up to 10.75 Membership Rewards points for every HK$1 equivalent spent in foreign currencies transactions

Things to know

Welcome Offer Terms and conditions apply.
Cardmembers who are currently holding or applicants who have held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months from the date of this application, are NOT eligible for the Welcome Offer and First Year Annual Fee Waiver. American Express reserves the right to debit the original price of the Welcome Offer and First Year Annual Fee from such Cardmember’s account without prior notice.
- Gift eligibility is based on the application date of the approved application, but not approval date
First Transaction Bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.
^Based on a maximum of two annual-fee-free supplementary credit cards per American Express Explorer Card account. In each calendar year, upon reaching the specified amount of cumulative eligible spending on the Card Member account, each account may enjoy up to a total of 12 complimentary benefits.

Cashback

Citi Rewards Card

Points Rebate on Shopping

3 %

Points Rebate on Entertainment

3 %

Points Rebate on Local Mobile Payment

1 %

Annual Fee Waiver

First year

MoneyHero Reward up to HK$4,480

Apply through MoneyHero and choose from 15 premium rewards

MoneyHero's take

High-priced welcome gifts
Annual Fee waiver

Card Details

Repayment Details

Late Payment Charge: HK$300

Interest Free Period: 58 days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Air Miles Conversion Fee: $300

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$120,000

Key Features

Rewards Points
- Enjoy up to 3% Points Rebate for Shopping & Entertainment spend
- 1% Points Rebate for all local Mobile Payments
First year annual fee waiver
This 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").
Handling fee of HK$50 - HK$300 will be charged for redeeming Points for miles each time.

Airmiles

Mox Credit Card (Asia Miles)

Promo Code:

2000MOXMH

Unlimited mileage rebates on spending

as low as $ 5 per mile

Overseas transaction fee

0 %

Interest Free Period

56 Days

MoneyHero Reward up to HK$5,090

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Instant onboarding
Unlimited Asia Miles
Travel platform consumption discount
Welcome offer: Asia Miles
0% FX Fees

Card Details

Repayment Details

Minimum Payment: Please refer to Mox website for the latest details

Late Payment Charge: Please refer to Mox website for the latest details

Interest Free Period: 56 Days

Fees

Annual Fee: No Annual Fees

Foreign Currency Transaction Fee: 0 %

Air Miles Conversion Fee: Waived

Eligibility

Minimum Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

Mox Credit – All-in-One 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 major supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
Use "FPS" via Mox Credit to transfer the amount first and then find the amount.
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.

Introducing the all-new Mox Credit "MOXTRAVEL" miles-earning code!

Seamlessly earn Unlimited Asia Miles on all your spending with Mox Credit's Miles Rewards Scheme, so you can earn faster and fly sooner. Plus, enjoy 0% FX Fees, making every purchase count, whether at home or abroad!
Break free from traditional credit card rewards scheme. With Mox Credit you can switch between CashBack and Miles Rewards scheme with ease, putting you in control of how you earn.
Enjoy Unlimited Asia Miles on all spending
Open an account and credit card with MOXTRAVEL and receive Unlimited Asia Miles for eligible spending over the first 60 days, regardless of category.
Unlimited Asia Miles, Unlimited Trips.
There's no limits on the number of miles you can earn – spend more, earn more!
0% FX Fees: Same great rates at home and abroad!
Enjoy 0% FX Fees on all transactions worldwide.
Save effortlessly on overseas trips and online purchases.
Want to earn CaskBack instead? You can switch your spending reward mode to “CashBack” via Mox app, and start earning “best-in-town” 2% unlimited CashBack on any spending!

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 (Have Mox+)! 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)

New customers can only use one invitation code to open an account and enjoy the welcome offer

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.

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).
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.
From 1 July 2026 to 31 August 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more, or (b) have Mox+ (each an “Unlocking Criterion”), depending on the Spending Rewards Scheme you have chosen, you can receive 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you have not satisfied an Unlocking Criterion, you can receive 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’. You can receive 2% CashBack or HKD5 = 1 Asia Mile during the period beginning on the day you complete the Eligible Payroll Transaction and ending on the earlier of (a) the last day of the next calendar month and (b) 31 August 2026. From 1 September 2026, when you make an eligible Mox Credit Card transaction, if you have Mox+, depending on the Spending Rewards Scheme you have chosen, you can receive 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you do not have Mox+, you can receive 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. Please refer to the Rewards for Cards Schedule for further details.
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.

Airmiles

Citi PremierMiles Card

Airmiles Overseas

HK$

3 per mile

Airport Lounge Access

12 times

Annual Fee Waiver

First year

Free family travel insurance coverage

Yes

MoneyHero Reward up to HK$4,480

Apply through MoneyHero and choose from 15 premium rewards

MoneyHero's take

High-priced welcome gifts
Airport lounge
Travel insurance

Card Details

Repayment Details

Late Payment Charge: HK$300

Interest Free Period: 58 days

Fees

Air Miles Conversion Fee: HK$200

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$120,000

Key Features

Suitable for customers who have large amount of overseas/foreign currency spending
Points will never expire. No service charge for mileage conversion.
Up to 12 times complimentary access to airport lounges for every calendar year
- Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
Free Travel Insurance
- Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance

First year annual fee waiver
This 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").
When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.

CashBack Credit Card

Standard Chartered Simply Cash Visa Card

CashBack on spending in local currency

1.5 %

CashBack on spending in foreign currency

2 %

Annual Fee

HK$

2,000

MoneyHero Reward up to HK$5,580

Apply through MoneyHero and choose from 7 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

Card Details

Repayment Details

Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower.

Interest Free Period: Up to 56 days

Fees

Foreign Currency Transaction Fee: 1.95 %

Annual Fee: HK$2,000

Eligibility

Minimum Annual Income: HK$96,000

MINIMUM_AGE: 18 years old

Key Features

Unlimited CashBack all year-round （Any merchants or categories, regardless of retails or online shopping, all eligible transactions are entitled to CashBack offer）
- CashBack on spending in local currency： 1.5%
- CashBack on spending in foreign currencies：2.0%
Exclusive Priviledges
- Year-round benefits
  - Discover hundreds of deals, discounts and privileges, including exceptional dining, lifestyle, retail and travel offers
- Visa Signature Concierge
  - From travel reservations, booking tickets to a show, discounted access to golf clubs or that special dinner reservation, your Visa Concierge is here to help
  - The service is now available anytime at your fingertips with the new Visa Concierge app
Other features
- Online redemption Platform
  - Redeeming your accumulated CashBack is easy via our online platform – you can opt for a cash sum or choose from a wide range of extra value offers More details
- Visa payWave
  - Contactless payments are secure, quick and easy – just touch your card to the merchant’s card reader wherever you see the special contactless payment symbolMore details
- Year-round offers
  - Enjoy year-round exclusive dining, shopping and lifestyle offersMore details
Eligibility
- Hong Kong resident aged 18 or above
- Annual income of HKD96,000 or above

For details, please refer to Visa Signature website www.visa.com.hk/en_HK/signature.
To borrow or not to borrow? Borrow only if you can repay!

Cashback

Mox Credit Card (CashBack)

Promo Code:

2000MOXMH

All Local and Overseas Spends

Unlimited 2 % CashBack

All Supermarkets and Groceries

3 % Unlimited CashBack

Annual Fee Waiver

Perpetual

MoneyHero Reward up to HK$5,090

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Instant onboarding
Unlimited Instant Cashback and AsiaMiles
No Annual fees

Card Details

Repayment Details

Minimum Payment: Please refer to Mox website for the latest details

Late Payment Charge: Please refer to Mox website for the latest details

Interest Free Period: Please refer to the Mox website for details

Fees

Annual Fee: Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: No Requirement

Key Features

Mox Credit – All-in-One 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 major supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
Use "FPS" via Mox Credit to transfer the amount first and then find the amount.
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 (Have Mox+)! 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)

New customers can only use one invitation code to open an account and enjoy the welcome offer

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.

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).
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.
From 1 July 2026 to 31 August 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more, or (b) have Mox+ (each an “Unlocking Criterion”), depending on the Spending Rewards Scheme you have chosen, you can receive 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you have not satisfied an Unlocking Criterion, you can receive 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’. You can receive 2% CashBack or HKD5 = 1 Asia Mile during the period beginning on the day you complete the Eligible Payroll Transaction and ending on the earlier of (a) the last day of the next calendar month and (b) 31 August 2026. From 1 September 2026, when you make an eligible Mox Credit Card transaction, if you have Mox+, depending on the Spending Rewards Scheme you have chosen, you can receive 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you do not have Mox+, you can receive 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. Please refer to the Rewards for Cards Schedule for further details.
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.

Cashback

Hang Seng enJoy Card

Cashback Dining

2 %

Cashback Supermarket

1.5 %

Minimum Annual Income

HK$

150,000

Annual Fee Waiver

Perpetual Annual Fee Waiver

MoneyHero Reward up to HK$5,680

Apply through MoneyHero and choose from 8 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Local spending rebate
Dining rebate
Supermarket rebate
No Annual Fee

Card Details

Repayment Details

Minimum Payment: $330

Interest Free Period: 56 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$150,000

Key Features

Credit Card Key Features
- Welcome Rewards: New customers can receive 140,000 yuu Points (valued at HK $700); existing customers can receive **60,000 yuu Points** (valued at HK$ 300).
- High Rebates: Earn up to 2% rebate (4x points) when spending at over 2,000 designated merchants across Hong Kong.
- Instant Point Redemption: Use yuu points like cash via the yuu App to redeem e-vouchers or offset purchases (200 points = HK$1).
- enJoy Credit Card customers can now convert yuu Points to Hang Seng Credit Card +FUN Dollars, in addition to redeeming rewards directly with yuu Points. That means even more flexibility and more ways to enjoy your rewards! Simply unlock the new points conversion feature and enjoy even more ways to save with +FUN Dollars — with more than 150,000 ways to spend as cash.
- Year-round Exclusive Discounts: Enjoy up to 8% off (92% of original price) on designated days at popular merchants including Wellcome, Mannings, 7-Eleven, and IKEA.
- Perpetual Annual Fee Waiver.

Rebates & Offer Details
- Merchant Point Rewards

Category	Rebate / Points	Included Merchants
Maxim’s Group & Designated Dining	2% Rebate (HK$1 = 4 pts)	Pizza Hut, KFC, Maxim’s Chinese Cuisine, Arome Bakery, UOVO, Dondonya, etc.
Supermarkets & Lifestyle	1.5% Rebate (HK$1 = 3 pts)	Wellcome, Market Place, 7-Eleven, Mannings, IKEA, GNC.
Other & Overseas Spending	0.5% Rebate (HK$1 = 1 pt)	All other eligible transactions.

- Daily Upgraded Dining Offers (Highlights)
  - Mon–Sun (Maxim’s Chinese): Redeem a 2-person dinner set at 50% off yuu points.
  - Monday (KFC): 12% off for dine-in and takeaway.
  - Tuesday (Pizza Hut): HK$30 off on purchases of HK$250 or more for dine-in.
  - Thursday (Maxim’s Chinese): Up to 50% off on the main menu (40% discount + 20x points).
  - Fri–Sun (Maxim’s Chinese): 50% off designated dinner sets.
- Merchant Discount Days
  - Mannings: 6% off on the 1st and 20th of every month.
  - Wellcome / Market Place: 8% off on purchases over HK$100 on the 3rd, 13th, and 23rd of every month.
  - 7-Eleven: 5% off on the 8th and 18th of every month.
  - IKEA: Free delivery on the 1st and 3rd Wednesday of every month with purchases over HK$3,500.

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.
- Welcome Reward Eligibility: Cardholders must accumulate HK$5,000 in eligible spending and link the card to the yuu Rewards Program within a specified period after card issuance.
- “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card/Affinity Card during the 12 months immediately preceding the date of application.
- Account Cancellation Restriction: If the account is cancelled within 13 months of opening, a handling fee equivalent to the value of the welcome reward will be charged.
- Point Crediting: yuu points will be credited within 3 months of meeting requirements. The account must be valid and linked to the yuu program at that time.
- 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.

Cashback

Hang Seng Travel+ Visa Signature Card

Oversea Foreign Currency Spending

Up to 7 %

Local Dining

Up to 5 %

Annual Fee Waiver

Perpetual Annual Fee Waiver

MoneyHero Reward up to HK$1,699

Apply through MoneyHero and choose from 9 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Foreign Currency Spending rebate
Local Dining Spending rebate
Airport dining offer
Travel and hotel booking offers
Perpetual annual fee waiver

Card Details

Repayment Details

Minimum Payment: -

Interest Free Period: 56 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$150,000

Key Features

Credit Card Key Features
- High Rewards in Popular Destinations: Earn up to 7% +FUN Dollars on foreign currency spending in Japan, South Korea, Thailand, Mainland China, Macau, and Taiwan.
- Foreign currency spending in other regions: up to 5% +FUN Dollars
- Dining Rebates: Enjoy up to 5% +FUN Dollars on local dining spending.
- Exclusive Airport Perks: Use your physical card to redeem designated airport meals or Starbucks sets for just HK$10.
- Travel Booking Discounts: Exclusive offers on hotel bookings and airfares through Trip.com, Expedia, and Hotels.com.

Rebates & Offer Details
- +FUN Dollars Reward Programme
  - To qualify for the following rebates, customers must register and accumulate a minimum of HK$6,000 in eligible monthly spending:

Spending Category	Rebate Rate (+FUN Dollars)
Designated Foreign Currency (Japan, South Korea, Thailand, Chinese Mainland, Macau, and Taiwan)	Up to 7%
Other Foreign Currency (Global)	Up to 5%
Local Dining (All HK restaurants)	Up to 5%

- - Terms and conditions apply, please visit hangseng.com/travelplus for details. The promotion period is till 31 December 2026, customers are required to register via https://hangseng.com/travelplus or Hang Seng E-banking Mobile App.Registered customers are not required to register again and can continue to earn extra +FUN Dollars.
  - Note: The total monthly cap for extra rebates is $500 +FUN Dollars (this includes the 0.4% base rebate).
- Airport & Travel Booking Offers
  - Intervals Sky Bar & Restaurant: From now until Dec 31, 2026, redeem a set meal or tailor-made drink from the designated menu at Hong Kong International Airport branch for HK$10 with your physical card
  - Starbucks Redemption: From now until Dec 31, 2026, redeem a selected Grande sized handcrafted beverage and a piece of designated food item at selected Hong Kong International Airport branches with your physical card for HK$10
  - Trip.com: From now until December 31, 2026, enjoy 5% off hotels and 1.5% off flight bookings.
  - Expedia: From now until Dec 31, 2026, visit designated Expedia website, enter coupon code to enjoy up to 8% off on hotel bookings.
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.
- “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application. “Existing Credit Card Customers” refer to applicants who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.
- If the customer has held a Hang Seng Travel+ Visa Signature Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
- The extra +FUN Dollars rebate will be calculated for the Eligible Retail Spending till the last day of every calendar month. The extra +FUN Dollars rebate will be automatically credited into the Eligible Credit Card account within 2 calendar months. The credit card account should remain valid and in good standing when the relevant +FUN Dollars rebate is credited. Cardholders can log on to Hang Seng Personal e-Banking (if applicable) or call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
- +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.
- MoneyHero strives to maintain accurate information. If there are any discrepancies between the information provided and that found on the websites of financial institutions, service providers, or specific products, the information from the financial institutions shall prevail. Please refer to the relevant financial institution’s website for the most up-to-date product information.
- Hang Seng Bank is not the provider of the exclusive rewards from MoneyHero. The availability of the rewards and their redemption process are not related to Hang Seng Bank.
- Advertising information provided by Hang Seng Bank Limited
- Hang Seng reserves the right to amend these Terms and Conditions at any time
- To borrow or not to borrow? Borrow only if you can repay!
- Rewards and offers are subject to Terms and Conditions.

Cashback

Airwallex Borderless Card

Foreign Currency Transaction Fee

0 %

Airmiles Local

Not Applicable

Cashback Local

1 %

Min. Annual Income

No Requirement

MoneyHero Reward up to HK$2,000

Apply through MoneyHero and choose from 1 premium rewards

MoneyHero's take

Welcome offer: Apple Gift Card
No foreign txn fee

Card Details

Repayment Details

Minimum Payment: Not Applicable

Fees

Foreign Currency Transaction Fee: 0 %

Eligibility

Min. Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

Exclusive offers for business travel

Airwallex Borderless Cards support international transactions in 140+ currencies - start saving on international payment

Regain control and visibility on business spending

Enjoy unlimited 1% cash rebate on your local and international spending

No charge on account opening. No maintenance fee.

Other things to note

Companies are required to apply for an Airwallex account before they can issue Airwallex Borderless cards online.
- Companies can issue Airwallex Borderless cards in their accounts if they hold a valid HKBR.
Airwallex Borderless Card is only available as virtual card at the moment.
Airwallex is not a bank and is not supervised by the Hong Kong Monetary Authority.
- Airwallex is a holder of Money Service Operators License in Hong Kong (MSO License No. 16-09-01929).

Cashback

BOC Bliss Card

Cashback Local Online Shopping

Up to 6 % Cashback

Cashback Overseas Online Shopping

Up to 6 % Cashback

Annual Fee

Annual Fee Waived for first-year

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

Card Details

Repayment Details

Minimum Payment: HK$230 or the summation of item (i) to (iv) (whichever is higher). (i) total outstanding billed interest, fees and charges; (ii) any overdue minimum payment amount from previous monthly statement (where applicable); (iii) total of over-limit amount (where applicable) (excluding items (i) and (ii) above); and (iv) 1% of the remaining principal balance (excluding items from (i) to (iii) above).

Late Payment Charge: 5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)

Interest Free Period: 56 Days

Fees

Foreign Currency Transaction Fee: 1 %

Annual Fee: HK$3,800

Eligibility

Min. Annual Income: HK$ 600,000

Key Features

Credit Card Features
- New Customer Welcome Reward: Up to HK$800 cash rebate.
- High Online Shopping Rebates: Up to 15X Gift Points (equivalent to 6% cash rebate or HK$1/mile) on the first HK$10,000 of online spending each month.

Rebate & Benefit Details
- Online Shopping Rewards
  - Designated Online Merchants: Up to 15X Gift Points (equivalent to 6% cash rebate or HK$1/mile) (includes popular platforms like Amazon, Farfetch, Net-A-Porter, and Selfridges; calculated based on point conversion rates).
  - General Online Retail: Up to 10X Gift Points (equivalent to 4% cash rebate or HK$1.5/mile)
- Travel & Lifestyle
  - Travel Offers: Up to 15% off Mainland China flights and hotels booked via Wing On Travel.
- Visa Concierge Service: Personalized travel planning, restaurant reservations, and hotel booking assistance.
- Annual Fee Waiver: First-year waiver for the Principal Card; permanent waiver for Supplementary Cards.

Important Notes
- Rebate Calculation: Based on a conversion rate of 250 points = HK$1 cash rebate
- Mile calculation: Based on a conversion rate of 15 points = 1 mile
- Terms and conditions apply. For details, please visit the Bank of China (Hong Kong) official website or refer to promotional materials.
- Bank of China (Hong Kong) Limited and BOC Credit Card (International) Limited reserve the final right to amend, suspend, or cancel promotions and their terms.

Cashback

CNCBI Hong Kong Airlines Mastercard® Card

Cashback Local Online Shopping

HK$

6 =1 FWC points

Cashback Overseas

HK$

4 =1 FWC points

Cashback Overseas Online Shopping

HK$

6 =1 FWC points

Annual Fee Waiver

First Year

MoneyHero Reward up to HK$899

Apply through MoneyHero and choose from 6 premium rewards

Card Details

Fees

Annual Fee: HK$2,000

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$96,000

Key Features

Hong Kong Airlines Privileges
- FWC Points Rewards
  
  Earn FWC Points on different types of spending for greater redemption flexibility:
  - HK$2 = 1 FWC Point (Hong Kong Airlines spending)
  - HK$4 = 1 FWC Point (Overseas and online spending)
  - HK$6 = 1 FWC Point (Local spending)
  The above earning rates include 1X basic points.
- From now till 30 June 2026, enjoy up to extra 2,000 FWC points for ticket purchase via Hong Kong Airlines and mobile app
- Enjoy 10% off onboard duty-free items with the card
- 2 Hong Kong Airlines Airport Lounge Vouchers
  - From now till 30 June 2026, Cardmembers who successfully activate their credit cards and make any retail purchases with the card will receive 2 shareable Hong Kong Airlines airport lounge vouchers, which can be used by the cardmember or their traveling companions :
    - Welcome Offer (For New Credit Card Customers)
      Upon successful application and completion of the designated spending requirement within 150 days from card issuance, customers can enjoy up to 104,000 FWC Points:
      
      FWC Points Redemption Fee Accumulated Eligible Retail Spending (within 150 days)
      
      26,000 HK$0 HK$25,000
      
      52,000 HK$800 HK$40,000
      
      78,000 HK$1,600 HK$55,000
      
      104,000 HK$2,400 HK$70,000
      
      Welcome Offer (For Existing Credit Card Customers)
      Existing customers who accumulate HK$25,000 or above in eligible retail spending within 150 days from card issuance will be entitled to 20,000 FWC Points.
  - Cardmembers can also redeem extra lounge vouchers through inMotion with a redemption fee of HK$60 per voucher (required to have accumulated retail spending of HK$3,000 or above from the redemption date to the end of the next calendar month for each voucher redeemed).
  - Terms and Conditions apply, please click here for details.
- Designated check-in counter, priority luggage and priority boarding
- 50% off FWC points for award ticket redemption and business class upgrade launched by Hong Kong Airlines from time to time
Free Travel Insurance Protection
- From now till 31 December 2026, Enjoy complimentary travel insurance with coverage amount up to US$100,000 per trip for card holders (up to 50% coverage for family members).
- When you pay entire cost of common carrier tickets with your eligible card and completed the benefit registration process prior to the commencement of the trip, you and your family may enjoy an overseas medical coverage.
- The offer is provided by Mastercard and subject to related terms and conditions. The insurance service is provided by AIG Asia Pacific Insurance Pte Ltd. For details, please click here to view the policy terms and coverage details.
Complimentary 12 months HoteLux Elite Membership
- Elite membership offers include 1,000 HoteLux points, complimentary breakfast, complimentary room upgrade*, early check-in*, late check-out*, up to US$200 hotel dining & spa credits etc. (* Subject to availability)
Global Hotel Offers
- One night free and other offers in a collection of participating luxurious hotels, up to 12% off at Agoda and up to 10% cashback at Booking.com.
First Year Annual Fee Waiver
Merchant Installment Plan
Octopus Automatic Add Value Service
Credit Card Cash-in Installment Program
Card Retail Purchase Installment Program
Debt Consolidation
Mobile Payment Service - ApplePay & GooglePay
Up to 57 days interest-free repayment period
T&Cs apply, please click here for details.
To borrow or not to borrow? Borrow only if you can repay!

FWC Points	Redemption Fee	Accumulated Eligible Retail Spending (within 150 days)
26,000	HK$0	HK$25,000
52,000	HK$800	HK$40,000
78,000	HK$1,600	HK$55,000
104,000	HK$2,400	HK$70,000

Cashback

PrimeCredit WeWa Visa Signature Card

Cashback Local

4 %

Cashback Overseas

10 %

Annual Fee

HK$

1,500

MoneyHero Reward up to HK$2,300

Apply through MoneyHero and choose from 1 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Travel agency offer
Installment

Card Details

Repayment Details

Interest Free Period: 53 days

Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)

Late Payment Charge: HK$320

Fees

Foreign Currency Transaction Fee: 1.95 %

Annual Fee: HK$1,500

Eligibility

Minimum Age: 18 years old

Minimum Annual Income: HK$240,000

Key Features

Launch of WeWa Club Enjoy endless offers and jetso

From now until September 30 2026, enjoy Foreign Currency Transaction Fee Waiver and up to 10% cash rebate with WeWa during your travels.
Earn up to 4% from The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.
At WeWa Club, you can:
- Buy amazing things at a good deal
- Enjoy priority booking for concerts or other events
- Enjoy many other offers and jetso!
Click here to register as a WeWaClub member

Enjoy limited-time offers and activities in OmyCard app

Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.

Pay with WeWa Credit Card and enjoy direct cash rebate.

up to 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (select one)(0.4% basic rebate + 3.6% additional rebate)
0.4% on other spendings (HK$250 = HK$1 cash rebate)

3-month Interest-free Credit Card Transaction Instalment Plan

Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.

Annual fee waiver for the first 2 years; 5 years for student cardholders

Other things to note

Welcome offers, MoneyHero Welcome Reward are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 12 months.
Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200

Cashback

HSBC UnionPay Dual Currency Card

Airmiles Local

$ 4.17 per mile

Cashback Local

2.4 %

Airmiles Overseas

$ 2.27 per mile

Cashback Overseas

2.4 %

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Overseas rebate
Dining discount
Airport lounge
Mobile contactless rebate

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 56 Days

Fees

Annual Fee: HK$300

Foreign Currency Transaction Fee: 1 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$60,000

Key Features

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
  - Hainan Airlines and China Southern Airlines (available for all credit cards)
Enjoy flexible payment in Hong Kong dollars and Renminbi without worrying about exchange rate fluctuations
Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
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).
First 2 years annual fee waiver
The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
To borrow or not to borrow? Borrow only if you can repay!

Octopus Top Up Rebate

Citi Octopus Platinum Card

Cashback Transport

15 %

Cashback Octopus Top Up Spending

0.5 %

Annual Fee Waiver

First Year

MoneyHero's take

Public transportation
Annual Fee waiver

Card Details

Repayment Details

Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card ""Quick Cash"" Installment Program and Terms and Conditions for Citi Credit Card ""Flexi-Installment"" Program) (where applicable)

Late Payment Charge: HK$300/CNY300/US$40 or the amount of minimum payment due under the last monthly statement, whichever is lower.

Interest Free Period: 58 days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: HK$120,000

Minimum Age: Over18 years old

Key Features

15% Transport Rebate Program
Citi Octopus Platinum Cardholders can enjoy up to 15% designated transport rebate + 5% rebate on private vehicle spending:

Monthly Eligible Retail Spending	HK$4,000 - HK$9,999	HK$10,000 or above
Eligible retail spending should be made on	All Principal Citi Credit Card under the cardholder, and the supplementary card(s) of such Citi Credit Card
Offer	15% designated transportation rebates (MTR, Bus, Ferry, Tram, Green Minibus and Taxi)	15% designated transportation rebates (MTR, Bus, Ferry, Tram, Green Minibus and Taxi) + 5% private vehicle spending rebate (electric vehicle charging, tunnels, car parks and parking meters fee)
Maximum Rebate Amount (Each Calendar Month)	HK$300	HK$500

Embedded Octopus Service; Cashback rewarded for Octopus Automatic Add Value Service
- HK$200 spending = HK$1 Octopus Cash Rebate
First year annual fee waiver
All rebates are in the form of Octopus cash and cannot be converted into cash vouchers or air miles.

Cashback

HSBC easy Credit Card

Cashback Dining

2.4 %

Cashback Local

2.4 %

Cashback Supermarket

2.4 %

Annual Fee Waiver

First 2 years

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Annual Fee waiver
Local spending rebate
Supermarket rebate
Overseas rebate

Card Details

Fees

Annual Fee: First 2 years annual fee waiver

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$120,000

Key Features

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
Key Features
- Welcome Offer: Enjoy up to $600 "RewardCash" (equivalent to 6,000 miles)
- 2.4% "RewardCash" Rebate: Simple and straightforward, enjoy rebates with no minimum spending requirement
- Designated Merchants (PARKnSHOP / Watsons / FORTRESS): Earn up to 6X "MoneyBack" points (equivalent to up to 2.4% rebate)
- Double Dip Rewards: Earn up to 4.8% rebate when spending at designated merchants within selected spending categories
- High Flexibility: Choose your preferred rebate categories based on your personal needs
- Annual Fee Waiver: Enjoy an annual fee waiver for the first 2 years
- Designated Spending Categories*: Up to 2.4% "RewardCash" rebate
  - (Registration for the Red Hot Rewards of Your Choice is required)
- *Designated spending categories include: Red Hot Dining (Local Dining), Red Hot Travel & Mainland China (Overseas / Mainland China Spending), Red Hot Entertainment (Designated merchants including fitness centers, cinemas), Red Hot Home (Designated merchants including supermarkets, telecom companies), and Red Hot Shopping (Designated merchants including department stores, trendy fashion)
- Designated Merchants (PARKnSHOP / Watsons / FORTRESS): Up to 6X "MoneyBack" points (equivalent to up to 2.4% rebate) (HSBC easy Credit Card must be linked to the "MoneyBack" App)
- Designated Partner Merchants: Enjoy a 8% discount (92折) on designated days of the month (Designated merchants include PARKnSHOP, Watsons, FORTRESS, and Watson's Wine)
Terms & Conditions
- To enjoy the above rebates, registration for the Red Hot Rewards of Your Choice and linking your HSBC easy Credit Card to the "MoneyBack" App are required
- Successfully link your HSBC easy Credit Card to your "MoneyBack" mobile app account to enjoy 1 year of "MoneyBack" VIP membership.

Cashback

HSBC Visa Gold Card

Cashback Dining

2.4 %

Cashback Local

2.4 %

Cashback Overseas

2.4 %

Annual Fee Waiver

First 2 year

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Annual Fee waiver
Local spending rebate
Travel agency offer
Overseas rebate

Card Details

Repayment Details

Late Payment Charge: Minimum Payment Due or HK$300, whichever is lower

Interest Free Period: 56 days

Fees

Annual Fee: HK$600

Air Miles Conversion Fee: Waived

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: HK$60,000

Key Features

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
First 2 years annual fee waiver
The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
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!

Cashback

BOC Chill Platinum Mastercard

Card Benefit

Up to 8 % Cash Rebate

Cashback Chill Merchants

8 %

Cashback Overseas

4 %

Annual Fee

Perpetual annual fee waiver

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

Card Details

Repayment Details

Late Payment Charge: 5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)

Interest Free Period: 56 days

Fees

Annual Fee: Perpetual annual fee waiver

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: HK$150,000

Key Features

Earn up to 8% Cash Rebate at selected merchants and categories

Chill Merchants Spending Up to 8% Cash Rebate (with accumulated monthly retail spending of
HK$1,000 at physical stores)
Overseas & Online Spending Up to 4% Cash Rebate
Other Eligible Spending 1 Gift Point upon HK$1 spending

Chill Easy 3-month instalment handling fee rebate for the first 3 months from the date of card issuance

“Chill Easy” is applicable for transaction at HK$1,000 or above. For example, for a loan amount of HK$50,000, with personalized monthly handling fee of 0.18% of loan amount and apply via e-Channel, the fee in APR is 3.29% for 3-month loan tenor. An APR is a reference rate which includes the basic fees and charges of this product expressed as an annualised rate, such as monthly handling fee and upfront administration fee (if any).

New Customers can enjoy HK$300 Cash Rebate

Other things to note

Welcome offer is applicable to applicants not yet holding or have not cancelled any BOC Credit Card in the past 12 months from the date of application
Unless otherwise specified. Terms and conditions apply, please refer to https://www.bochk.com/dam/boccreditcard/chillcard/eng/index615.html and related promotion materials for details. Bank of China (Hong Kong) Limited and BOC Credit Card (International) Limited reserves the right to change, suspend or terminate the Offer or amend the terms and conditions at its sole discretion without prior notice.
The cash rebate is meant exclusively for retail purchases and cannot be used for cash advances, settlement of financial charges or any previous outstanding balance accrued before the cash rebate is credited. The cash rebate cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.

Up to 8X Reward Points

BOC Cheers Visa Signature Card

Airmiles Dining / Pets

$ 1.9 per mile

Airmiles Overseas

$ 1.9 per mile

Cashback Dining / Pets

3.2 %

Cashback Overseas

3.2 %

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Dining / Pets rebate
Overseas rebate
Airport lounge
15% off when booking flights

Card Details

Repayment Details

Late Payment Charge: 5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)

Interest Free Period: 56 days

Fees

Air Miles Conversion Fee: Waived

Annual Fee: HK$2,000

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: HK$150,000

Key Features

Exclusive Offers:

Welcome offer earn up to 225,000 points (redeemable for HK$900 cash rebate or 15,000 miles)
Earn 8X points on dining, travel and pets spending: up to 3.2% cashback or as low as HK$1.9 per mile
Premium travel privileges: Enjoy 2 complimentary airport lounge visits per quarter upon meeting spending requirements, shareable with accompanying guests
Exclusive airline offer: 15% off flight bookings on the Qatar Airways website
Miles redemption benefits: Handling fee waiver for miles redemption, supports Asia Miles

Core Spending Rewards (8X Points)

Spend HK$5,000 or above per month on retail purchases to earn 8X points on dining ,travel and pets spending (monthly capped at 180,000 points):
- Cashback mode: Equivalent to 3.2% cashback (based on 250 points = HK$1)
- Miles mode: As low as HK$1.9 per mile (based on 15 points = 1 mile)

Travel & Lounge Benefits

Airport Lounge Access: Earn 2 complimentary visits by spending HK$15,000 or above per quarter, shareable with accompanying guests
Qatar Airways Offer: Enjoy 15% off flight bookings made via the designated website

Annual Fee Policy

First Year Waiver: first year waiver for the main card, and perpetual waiver for supplementary cards.
Ongoing Waiver for Eligible Customers:
Annual fee waiver continues for customers holding Private Banking, Private Wealth, or Wealth Management

Pets Privileges

20% off at PRIVATE i PETS
25% off on designated pet insurance

Other things to note

Applicants who are existing main cardholders of BOC Credit Card, and/or BOC Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Intown Virtual Card, US Dollar Card, Credit Card issued in Macau SAR and Private Label Card are all excluded), or have cancelled the above cards or were once cardholders of the above cards in the 12 months prior to the date of application will not be entitled to the welcome offer for main cardholders upon approval of application.
The Gift Points cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.
Reward Redemption Flexibility : Customers can flexibly choose to redeem points for cashback or air miles based on their preferences
Minimum Spending Requirement : A minimum monthly retail spending of HK$5,000 is required to qualify for the 8X points reward
Terms and conditions apply，please refer to the https://www.bochk.com/dam/boccreditcard/cheerscard_615/eng/index.html
To borrow or not to borrow? Borrow only if you can repay!

Cashback

BOC Chill World Mastercard

Card Benefit

Up to 10 % Cash Rebate

Cashback Chill Merchants

10 %

Cashback Overseas

5 %

Annual Fee

First year annual fee waiver

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Overseas Spending rebate
Online shopping rebate
Designated spending rebate
First year annual fee waiver

Card Details

Repayment Details

Late Payment Charge: 5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)

Interest Free Period: 56 days

Fees

Annual Fee: First year annual fee waiver

Annual Fee: Enjoy first year fee waiver for the main card, and perpetual annual fee waiver for supplementary cards. Annual fee will be waived for holding BOCHK savings or current account in single account / joint account

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: HK$300,000

Key Features

Earn up to 10% Cash Rebate at selected merchants and categories

Chill Merchants Spending Up to 10% Cash Rebate (with accumulated monthly retail spending of HK$1,500 at physical stores)
Overseas & Online Spending Up to 5% Cash Rebate
Other Eligible Spending 1 Gift Point upon HK$1 spending

Chill Easy 3-month instalment handling fee rebate for the first 3 months from the date of card issuance

“Chill Easy” is applicable for transaction at HK$1,000 or above. For example, for a loan amount of HK$50,000, with personalized monthly handling fee of 0.18% of loan amount and apply via e-Channel, the fee in APR is 3.29% for 3-month loan tenor. An APR is a reference rate which includes the basic fees and charges of this product expressed as an annualised rate, such as monthly handling fee and upfront administration fee (if any).

Other things to note

Welcome offer is applicable to applicants not yet holding or have not cancelled any BOC Credit Card in the past 12 months from the date of application
Unless otherwise specified. Terms and conditions apply, please refer to https://www.bochk.com/dam/boccreditcard/chillcard/eng/index615.html and related promotion materials for details. Bank of China (Hong Kong) Limited and BOC Credit Card (International) Limited reserves the right to change, suspend or terminate the Offer or amend the terms and conditions at its sole discretion without prior notice.
The cash rebate is meant exclusively for retail purchases and cannot be used for cash advances, settlement of financial charges or any previous outstanding balance accrued before the cash rebate is credited. The cash rebate cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.

Cashback

PrimeCredit EarnMORE UnionPay Diamond Card

Card Benefit

Up to 8 % cashback

Min.Annual Income

No Requirement

Annual Fee

HK$

1,500

MoneyHero Reward up to HK$4,290

Apply through MoneyHero and choose from 1 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Foreign txn rebate
Travel agency offer
Installment

Card Details

Repayment Details

Late Payment Charge: HK$320

Interest Free Period: 53 days

Fees

Annual Fee: HK$1,500

Foreign Currency Transaction Fee: 1 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: No Requirement

Key Features

Pay with EarnMORE UnionPay Credit Card and enjoy 2% direct cash rebate

2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending

Easy and instant payment with in-app UnionPay QR code function in OmyCard app

Enjoy "Hot Deals Patrols" limited-time offers through the app. You can buy popular products at a discounted price.

Annual fee waiver for the first 2 years

Other things to note

Welcome offers Approval Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
Each card can be entitled to a maximum amount of HK$1,500 extra 1% cash rebate during the Promotion Period.
- The promotion period of 2% year-round rebate is valid from 1 July 2026 to 30 Jun 2027.

Selected spending offers

Region	Spending with a BNP credit card can enjoy the following offers	Promotional period
Mainland China	At Bicester Shopping Village, spend RMB 1500 or more with a UnionPay QR code to get an instant RMB 100 discount; At selected merchants such as Haidilao and Zhilefang, spend RMB 300 or more using UnionPay QR codes to get RMB 50 off instantly; At selected merchants like Holiland and RT-Mart, spend RMB 200 or more using UnionPay QR codes to get RMB 30 off; At selected merchants like Nayuki Tea and Lilian Egg Tart, spend RMB 30 using UnionPay QR code to get RMB 10 off instantly. For more details, click here	From now until December 31, 2026
	By registering for exclusive UnionPay 'Splendid China' benefits, you can enjoy the following benefits for merchants in Mainland China:
	Airport privilegesSpend RMB1500 or more offline within Mainland China for a chance to enjoy one complimentary airport VIP service within Mainland China. For details, click here	From now until December 31, 2026
	Transportation and travel Use UnionPay mobile QuickPass/Cloud QuickPass codes to ride the subway in designated cities and enjoy a 50% discount (capped at RMB4). For details, click here Spend RMB1000 or more offline within mainland China for a chance to enjoy one free high-speed rail VIP privilege within mainland China. For details, click here
	Supreme LifestyleSpend RMB500 or more offline within Mainland China to receive a Klook 50% off voucher (up to USD 15). For details, click here
	Chinese cuisine Spend RMB350 or more in a single transaction at designated restaurants in Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou for a chance to get an instant RMB 100 discount. Click here for details Dine at designated luxury hotels and restaurants in designated cities such as Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou at designated times, and enjoy exclusive benefits for "buffet and afternoon tea, with two or more people traveling together, one person free." For details, please click here
Japan	Spend JPY 50,000 or more in a single transaction at Takashimaya Department Store to get an instant JPY 1,000 off. Click here for details At Chubu Centrair International Airport and New Chitose Airport, spend JPY 10,000 or more in a single transaction to get an instant JPY 400 discount. Click here for details Enjoy an instant JPY 400 discount on a single transaction of JPY 20,000 or more at the designated merchants listed below Haneda Airport, Narita Airport, and Kansai Airport. For details, click here Bicool Appliances, please click here for details Enjoy an instant JPY 400 discount on a single purchase of JPY 30,000 or more at the designated merchants below Alexander & Sun Duty-Free Shop, click here for details LOTTE duty-free shop, details click here	From now until December 31, 2026
Macau	Present valid PISA exclusive electronic coupons from the "Preferential Plan" section when shopping at PISA Macau stores using UnionPay cards or UnionPay QR codes to enjoy the following instant discounts: Spend MOP 8,000 or more in a single transaction and get MOP 100 off; Spend MOP 20,000 or more in a single transaction and get MOP 300 off instantly; Spend MOP 50,000 or more in a single transaction and get MOP 800 off instantly; Instant MOP 1,600 off for a single net spending of MOP 100,000; Net spending of MOP 200,000 or more in a single transaction gets MOP 3,500 off instantly. For details, click here	From now until March 31, 2027
Taiwan	At Momanton Sportswear standalone stores, pay with UnionPay cards to enjoy a 30% discount on products above 30% off, plus an additional 5% off. For details, click here	From now until December 31, 2026

Cashback

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Cashback China and Macau

4.4 %

Cashback Overseas

2.4 %

Cashback Dining

2.4 %

Annual Fee Waiver

First 2 years

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Overseas rebate
Airport lounges access
Dining discount
Annual Fee waiver

Card Details

Fees

Annual Fee: HK$1,800

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$120,000

Key Features

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
  - Hainan Airlines and China Southern Airlines (available for all credit cards)
Mainland China & Macau Spending – Up to 4.4% RewardCash
- Enjoy up to 2.4% RewardCash on Red Hot Rewards of Your Choice when you select Overseas and Mainland China Spending as your chosen spending categories.
- Up to extra 2% exclusive RewardCash rebate for spending made through QR Code Payment and/or Mobile Payment in Mainland China and Macau.
Other year-round offers:
- One card, dual currency, without worrying about exchange rate fluctuations
- Foreign currency transaction fee waiver on every RMB and MOP transaction
- Up to 40% off at designated merchants. Please download UnionPay app for more details.
Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card
First 2 years annual fee waiver
The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1
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!

Cashback

HSBC Visa Signature Card

Cashback Local

3.6 %

Cashback Dining

3.6 %

Cashback Overseas

3.6 %

Annual Fee Waiver

First 2 years

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Overseas rebate
Dining rebate
Cinema ticketing
Dining discount

Card Details

Repayment Details

Late Payment Charge: Minimum Payment Due or HK$230, whichever is lower.

Interest Free Period: 56 days

Fees

Annual Fee: HK$2,000

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$240,000

Key Features

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
Earn up to 3.6% RewardCash rebates
- Allocate an extra 2.4% RewardCash to one spending category, and automatically enjoy an exclusive extra 1.2% RewardCash on all categories of the "Red Hot Rewards of Your Choice programme".
Emperor Cinemas: buy 1 and get 1 free on regular-priced 2D movie tickets or regular popcorn, or get 10% off regular-priced 3D movie tickets (Mondays to Thursdays); 20% off regular-priced 2D movie tickets (Fridays, Saturdays and Sundays)
15% discount at Cafe, Hugo's and The Chinese Restaurant at Hyatt Regency Hotel Tsim Sha Tsui
Exclusive 24-hour Concierge and emergency services provided by Visa
First 2 years annual fee waiver

Other things to note

The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
To borrow or not to borrow? Borrow only if you can repay!

Up to 10X Reward Points

BOC Cheers Visa Infinite Card

Airmiles Overseas

$ 1.5 per mile

Airmiles Dining / Pets

$ 1.5 per mile

Cashback Dining / Pets

4 %

Cashback Overseas

4 %

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 6 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Dining / Pets rebate
Overseas rebate
Airport lounge
Fine dining

Card Details

Repayment Details

Late Payment Charge: 5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)

Interest Free Period: 56 days

Fees

Air Miles Conversion Fee: Waived

Annual Fee: HK$3,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: HK$600,000

Key Features

Exclusive Offers:

Welcome offer earn up to 300,000 points (redeemable for HK$1,200 cash rebate or 20,000 miles)
Earn 10X points on dining, travel and pets spending: up to 4% cashback or as low as HK$1.5 per mile
Premium dining privileges: Enjoy Buy 1 Get 1 free set menus at selected fine dining restaurants (e.g. Arbor, Beefbar, etc.)
Hotel & flight privileges: 25% off bookings of 4 nights or more on Hotels.com; 15% off on Qatar Airways website
Comprehensive travel protection: Complimentary airport lounge access upon meeting spending requirements quarterly and free travel personal accident insurance

Core Spending Rewards (10X Points)

Spend HK$5,000 or above per month on retail purchases to earn 10X points on dining, travel and pets spending (monthly capped at 300,000 points):
- Cashback mode: Equivalent to 4% cashback (based on 250 points = HK$1)
- Miles mode: As low as HK$1.5 per mile (based on 15 points = 1 mile)

Travel & Lifestyle Privileges

Airport Lounge Access: Earn 2 complimentary visits by spending HK$15,000 or above per quarter, shareable with accompanying guests
Hotel & Flight Offers:
- Enjoy 25% off when booking the same hotel for 4 consecutive nights or more on Hotels.com
- Enjoy 15% off flight bookings via the Qatar Airways website
Travel Insurance: Pay for flights or accommodation with the card to enjoy complimentary travel personal accident insurance and related travel coverage
Fine Dining Privileges: Enjoy Buy 1 Get 1 free set menus at selected premium restaurants (e.g. Arbor, Beefbar etc.)

Pets Privileges

20% off at PRIVATE i PETS
25% off on designated pet insurance

Miles Redemption & Annual Fee

Miles Partners: Supports Asia Miles, with miles redemption handling fee waived

Annual Fee Policy:

First Year Waiver: first year waiver for the main card, and perpetual waiver for supplementary cards.
Ongoing Waiver for Eligible Customers:
Annual fee waiver continues for customers holding Private Banking, Private Wealth, or Wealth Management

Other things to note

Applicants who are existing main cardholders of BOC Credit Card, and/or BOC Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Intown Virtual Card, US Dollar Card, Credit Card issued in Macau SAR and Private Label Card are all excluded), or have cancelled the above cards or were once cardholders of the above cards in the 12 months prior to the date of application will not be entitled to the welcome offer for main cardholders upon approval of application.
The Gift Points cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.
Redemption Flexibility: Points can be flexibly redeemed for cashback or miles
Minimum Spending Requirement: A minimum monthly retail spending of HK$5,000 is required to qualify for the 10X points reward
Terms and conditions apply，please refer to the https://www.bochk.com/dam/boccreditcard/cheerscard_615/eng/index.html
To borrow or not to borrow? Borrow only if you can repay!

Airmiles

Standard Chartered Cathay Mastercard - Priority Banking

Airport Lounge Access

4 times

Airmiles Local

$ 4 per mile

Airmiles Overseas

$ 3 per mile

Min. Annual Income

HK$

96,000

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 7 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Welcome offer: Air miles
Priority Pass
Airport lounge
Air miles conversion

Card Details

Repayment Details

Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower

Interest Free Period: Up to56 days

Fees

Air Miles Conversion Fee: Waived

Annual Fee: HK$4,000

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$96,000

Key Features

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

Airmiles

Standard Chartered Cathay Mastercard - Priority Private

Airport Lounge Access

10 times

Airmiles Dining

$ 4 per mile

Airmiles Overseas

$ 2 per mile

Airmiles Hotel Booking

$ 4 per mile

MoneyHero Reward up to HK$4,980

Apply through MoneyHero and choose from 7 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Welcome offer: Air miles
Airport lounge
Air ticket rebate
Air miles conversion

Card Details

Repayment Details

Fees

Air Miles Conversion Fee: Waived

Annual Fee: HK$8,000

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$96,000

Key Features

Cathay Travel Privileges

Up to 120,000 Miles (as low as HKD0.5 = 1 Mile), accumulated Eligible Transactions of HKD5,000 = 10,000 Miles
2 times Cathay Pacific First class and 8 times Business class lounge passes per year, sharable to your travel companion or Redemption Group members
Check-in at the Business Class counters and enjoy the same priority boarding services for Business 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$2 = 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

Exclusive Privé Privileges

Access to Priority Private concierge, gourmet privileges, exclusive benefits with Standard Chartered global luxury hotel partners and Airport Limousine Programme

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 Private 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 canceled 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 the 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 Private, cardholder is required to be an existing Priority Private client or a New Banking Client who signs up for Priority Private upon card application. The cardholder is also required to maintain HK$8,000,000 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

Airmiles

American Express® Platinum Credit Card

Airmiles Overseas

$ 5 per mile

Airmiles Local

$ 2.5 per mile

Airport Lounge Access

Not Applicable

Min. Annual Income

HK$

300,000

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Dining discount
Cinema ticketing
Travel insurance
Hotel bookings offer

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Fees

Annual Fee: HK$2,200

Foreign Currency Transaction Fee: 2 %

Air Miles Conversion Fee: $300

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$300,000

Key Features

Earn rewards when you spend with the Card

First HK$120,000 spending within first 3 months - HK$1 = 5 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1.67%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3.6 = 1 mile.
First HK$120,000 charged and billed during each Program Period - HK$1 = 3 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$6 = 1 mile.
The spending from HK$120,001 and onwards during each Program Period - HK$1 = 1 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 0.33%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$18 = 1 mile.
All spending requirement above applicable to local retails, dining and online shopping; foreign currency shopping
Shop online or in a store at selected merchants, you’ll earn double Membership Rewards points. First HK$120,000 spending
during each Program Period - HK$1 = 6 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 2%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3 = 1 mile.
- Including but not limited to Circle K Convenience Stores, city’super, DON DON DONKI, Mannings, PARKnSHOP, SOGO supermarket, Watsons, Wellcome, YATA supermarkets, Esso stations (earn up to an extra 30,000 Membership Rewards points in total per calendar month)
- Learn more Merchant list

Shopping Protection

Spend with the Card to enjoy the following protection:

Online Fraud Protection Guarantee
Shop online with the Card and you won't be held responsible for any fraudulent charge.
Return Guarantee
Refund if you are unhappy with the purchase made with the Card.
Extended Warranty
When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
Price Protection
Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
45 Days Cover
Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
Terms and Conditions apply.

Dining Offer
Basic and Supplementary Cardmember can enjoy

Enjoy up to 40% savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
- Promotion details please refer to Maxim's Dining | American Express HK
Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
- Designated restaurants of Cafe Deco Group includes: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
- The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
- Promotion details please refer to Cafe Deco | American Express HK
Double Membership Rewards points, dining offers and shopping offers are extended until 31 December 2026, with the following changes:
- agnes b. CAFÉ: 30% savings on the à la carte menu for all day consumption.
- S&S Group: 30% savings offer is extended to Platinum G Cardmembers.

Lifestyle Offer

Buy-1-Get-1-Free tickets offer will only be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
Enjoy 3% savings on selected regular-priced items at the stores of city'super, city'super EKI, LOG-ON and cookedDeli in Hong Kong.

Travel Offer

Enjoy 3X Membership Rewards points on the first HK$120,000 spending (as low as HK$5 = 1 mile)
Enjoy 8% savings on selected hotel booking all year round at Expedia

Card Benefits Terms and conditions apply. Annual fee is HK$2,200 with the entitlement of 2 Supplementary Platinum Credit Cards (annual fee cannot be waived) Existing Cardmembers or applicants who have held the Card at any time within the past 12 months are not eligible for MoneyHero Exclusive Offer and Welcome Offers.

Existing American Express® Platinum Credit Card Basic Cardmembers and applicants who held American Express® Platinum Credit Card (Basic card) at any time within the past 12 months from the date of this application are not eligible for MoneyHero Exclusive Offer and Welcome Offers.

American Express® Platinum Credit Card welcome offer will be ONLY eligible to those who paid the annual fee and account stays active

Cashback

Blue Cash® Credit Card from American Express

Cashback Local Online Shopping

1.2 %

Annual Fee Waiver

First Year

Cashback Overseas

1.2 %

Cashback Local

1.2 %

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

No rebate cap
Online shopping rebate
Purchase protection
Cinema ticketing

Card Details

Repayment Details

Late Payment Charge: 5 %

Minimum Payment: 1.5 %

Fees

Annual Fee: $980

Foreign Currency Transaction Fee: 2 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: No Requirement

Key Features

Enjoy 1.2% cash back on online, local and foreign currencies purchases all year round
- Cash back will be automatically credited to qualifying Account every month

Interest-free instalment program
- Enjoy greater flexibility when making big purchases at selected merchants with interest-free instalment program

Year-Round Benefits
- 20% savings on all 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit
- Free upgrade on handcrafted beverage at Pacific Coffee

American Express Blue Cash Credit Card has no minimum annual income requirement. It is also applicable to university students
Protection
- Online Fraud Protection Guarantee: Shop online with your Card and you won't be held responsible for any fraudulent charge
- 45 Days Cover: Protect purchases against accident damage or theft for up to 45 days after the date of purchase
- Global Assist: Free legal and medical referrals 24 hours a day, 365 days a year

First-year annual fee waiver for all applicants
- Annual card fee is HK$980. Spend HK$25,000 annually and your annual card fee will be waived for the following year.

Existing Blue Cash Credit Card from American Express Cardmembers and applicants who have held Blue Cash Credit Card from American Express (Basic card) at any time within the past 12 months from the date of this application are not eligible for the Welcome Offer and the First Year Annual Fee Waiver.

Gift eligibility is based on the application date of the approved application, but not approval date. If applicants who apply for both Explorer Credit Card and Blue Cash Credit Card at same date, are preferred to activate cards after both two cards are successfully approved. Please note normally The 2nd card application will be taken around 7 days for approval upon the 1st card application is approved.

Card features and year-round offers Terms and Conditions apply.

Cashback

Citi Rewards UnionPay Card

Points Rebate on Shopping

3 %

Points Rebate on Entertainment

3 %

Annual Fee Waiver

First year waiver

MoneyHero Reward up to HK$4,480

Apply through MoneyHero and choose from 15 premium rewards

MoneyHero's take

High value welcome gifts
Airport lounge
Travel insurance
Mobile contactless rebate

Card Details

Fees

Annual Fee: HK$1,800

Air Miles Conversion Fee: $300

Eligibility

Minimum Age: 18 years old

Minimum Annual Income: HK$120,000

Key Features

One Card, Dual Currency
- Spending in Hong Kong and overseas will be billed in HK$. Spending in Mainland China will be billed in CNY. No need to worry about the fluctuation of exchange rate
Rewards Points
- Earn up to 3% rebate on shopping and entertainment spending
- For details, please refer to https://www1.citibank.com.hk/english/credit-cards/rewards-card
First year annual fee waiver
This 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").
Handling fee of HK$200 will be charged for redeeming Points for miles each time.

Cashback

DBS COMPASS VISA

Rebate on local supermarket spending

Up to 8 %

Cashback Local Online Shopping

3 %

Cashback Local

1 %

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Supermarket rebate
Online shopping rebate
Local spending rebate
Annual Fee waiver

Card Details

Repayment Details

Fees

Air Miles Conversion Fee: Waived

Eligibility

Min. Annual Income: HK$100,000

Key Features

Suitable for customers who enjoys online shopping
"Super Wednesday" Shopping Offers - Up to 8% COMPASS Dollar Rebate on local supermarkets spending

Enjoy up to 8% COMPASS Dollar Rebate upon a single net spending of HK$300 or above at local supermarkets with DBS COMPASS VISA every Wednesday. . Rewards include the 0.4% COMPASS Dollar basic rebate under the COMPASS Card Reward Scheme and the extra 7.6% COMPASS Dollar rebate (HK$152 monthly rebate cap) under this Promotion. When calculating Rewards, Extra Reward will be rounded down to 2 decimal places and is only applicable to the first HK$2,000 Eligible Spending in each calendar month during the Promotion Period.
Promotion period: From now till 27 June 2026 (every Wednesday)

"COM-to-Play" Mini Game Win up to $5,000 COMPASS DollarPromotion Period: from now till 31 May 2026

During the promotion period, principal cardholders of DBS COMPASS VISA can participate in our “COM-to-Play” Mini Game via DBS Card+ app upon making a single net transaction of HK$200 or above at the following designated spending categories (physical or online stores). Upon completion of the mini game, cardholders can get a guarantee prize of $5 COMPASS Dollar or a chance of winning up to $5,000 COMPASS Dollar!
- Fashion & Apparel
- Department Stores
- Household Appliances / Electronic Goods
- Home Furniture / Decorations
- Gasoline
To join the Mini Game, Principal Cardholders are required to install the DBS Card+ and completely register an DBS Card+ account before making the eligible transaction. Each Principal Cardholder can participate in the Mini Game up to 2 times per calendar month during the promotion period. The virtual credit card activated immediately upon the successful application of the Applicable Credit Card via DBS Card+ is also entitled to participate in the Promotion from the second next day upon card issuance.
Promotion Period: From now till 31 May 2026

"COM-to-Spend Everywhere Spending Rewards

Upon registration for this Programme via DBS Card+ app and make a single net spending of HK$300 or above at below designated categories of spending (physical or online stores) from the next calendar day following successful registration until the end of the Programme period, you can enjoy 2% Compass dollar rebate. (applicable to the first HK$12,500 Eligible Spending in each calendar month)
Designated Daily Household Spending Categories including: Retail transactions made via AliPay, AliPayHK or WeChat Pay, Department stores, Home furniture or decorations, Gasoline spending at fuel stations etc..
Promotion Period: from now till 30 Jun 2026

Flexi Shopping COMPASS VISA Exclusive Offer

3 times 50% one-off handling fee rebate on premium instalments!
Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fscve.

Tactical Offers

iHerb (valid until 31 May 2026)
- Enter the designated promotion code "DBS10" before completing the payment on the payment page to enjoy 10% off
- Extra HK$60 cash rebates (each cardholder can earn the cash rebate up to a maximum of 3 times during the promotion period) upon a single net spending of HK$600 or above

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 COMPASS Dollar.
Promotions above are subject to related terms and conditions, please visit go.dbs.com/hk-cv-en for details.
To borrow or not to borrow? Borrow only if you can repay!

Cashback

DBS Eminent Visa Signature Card

Cashback Local

5 %

Cashback Overseas

5 %

Cashback Dining

5 %

Annual Fee Waiver

First year

MoneyHero Reward up to HK$5,630

Apply through MoneyHero and choose from 10 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Dining rebate
Annual Fee waiver
Dining discount

Card Details

Repayment Details

Interest Free Period: 60 days

Fees

Annual Fee: HK$2,000

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$360,000

Key Features

DBS Eminent Card Up to 5% Rebate Programme

A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$8,000 Eligible Spending in Other Retail Spending in each calendar month)
Other retail spending up to 1 % rebate (applicable for the first HK$20,000 Eligible Spending in Other Retail Spending in each calendar month)
Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
The first HK$5,000 E-Wallet Retail Spending in each calendar month, excluding the thereafter E-Wallet Retail Spending exceeding HK$5,000, will be entitled the reward.
For details, please visit go.dbs.com/hk-eminent-rebate-en.

Dining Privileges

Conrad Hong Kong up to 10% off
Hyatt Regency Hong Kong, Tsim Sha Tsui 15% off

Up to 81% off of Health &Medical Privileges

Subscription Service Extra Welcome Offer of HK$240

Spend at 5 Service Subscription Categories to get HK$240 “Instant Redeem", click here for details.

Flexi Shopping Eminent Card Exclusive Offer

3 times 50% one-off handling fee rebate on medical service spending instalments!
Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme

Smartphone Application Guide

Apply for a DBS Black World Eminent Card through the MoneyHero mobile website to earn exclusive welcome offers plus an additional HK$50 InstatRedeem from DBS Card+. For details, please visit DBS website.

Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
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.
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 and/or DBS COMPASS VISA) issued by DBS
Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate.
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-eminent
To borrow or not to borrow? Borrow only if you can repay!

Cashback

DBS Live Fresh Tertiary Student Card

Cashback Local

5.4 %

Cashback Overseas

0.4 %

Cashback Overseas Online Shopping

6 %

Annual Fee Waiver

First year

MoneyHero Reward up to HK$400

Apply through MoneyHero and choose from 2 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Online shopping rebate
Overseas rebate
Local spending rebate
Annual Fee waiver

Card Details

Repayment Details

Minimum Payment: HK$300

Late Payment Charge: HK$350

Interest Free Period: 60 days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

First year annual fee waiver

New Customers who successfully apply DBS Live Fresh Card can enjoy the first year annual fee waiver, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month.

Up to 6% rebate on online spending. You can pick spending category for extra rebate every month based on your own spending habit.

Up to 6% rebate on online spending = 1% rebate on online foreign currency spending + 5% extra rebate of your choice
1% unlimited rebate on online foreign currency spending. No registration is required.
5% Cash Rebate Reward of Your Choice. Register for the Program in DBS Card+ HK and select one spending category. Enjoy an extra rebate of eligible transaction of the chosen spending category.
- 3 “Reward of your choice” categories include:
  1. Entertainment & Travel Expert (Include Entertainment Spending and Online Travel Merchant Spending)
  2. Fashionista (Include Online Beauty, Fashion & Apparel Spending and Selected Online Merchant Spending)
  3. Sustainability & Charity Champion (Including Selected Green Merchants, Social Service Organisations Spending and Online Charity Donations)
- 5% Cash Rebate Reward of Your Choice Selection List: go.dbs.com/hk-lf5list-en
- Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders must click the red InstaRedeem button on the "Spending" page of DBS Card+ to enjoy the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
0.4% cash rebate on other spending categories.

DBS Live Fresh Card Exclusive: 90 days Interest-Free Repayment Period for Overseas, Travelling and Online Transaction

Flexi Travel – up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction
iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction
No interest will be charged when you pay off your balance within the interest-free repayment period.

10 Free Trials for Flexi Shopping. No handling fee when you apply for Flexi Shopping Programme.

Cardholders who successfully apply for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ HK can enjoy a full handling fee rebate.
Applicable to the first 10 eligible transactions during the promotion period
Promotion period: 1 January 2026 – 31 December 2026.

New function of DBS Card +: Spending Limit & Spending On-off. You can easily manage your spending with the app.

Spending Limit: You may set a Retail Spending Limit per month for each Credit Card account with DBS Card+ HK.
Spending On-off: You may use the function to approve or decline certain categories of Spending like “Online Spending”, “Local Spending” and “Overseas Spending”.

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.
Online transactions in Hong Kong Dollars, reload of e-wallets and Octopus Automatic Add-Value Service are only entitled to 0.4% basic rebate.
Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders are required to claim the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
- Cardholders must click the red InstaRedeem button on the “Spending” page of DBS Card+ HK to enjoy the Reward.
Terms and Conditions apply.
For details, please visit go.dbs.com/hk-livefresh

To borrow or not to borrow? Borrow only if you can repay!

Cashback

DBS Live Fresh Card

Cashback Local

5.4 %

Cashback Overseas Online Shopping

6 %

Cashback Overseas

0.4 %

Annual Fee Waiver

First year

MoneyHero Reward up to HK$450

Apply through MoneyHero and choose from 2 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Online shopping rebate
Overseas rebate
Local spending rebate
Annual Fee waiver

Card Details

Repayment Details

Late Payment Charge: HK$350 or minimum repayment (whichever is lower)

Interest Free Period: 60 days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$150,000

Key Features

First year annual fee waiver

New Customers who successfully apply DBS Live Fresh Card can enjoy the first year annual fee waiver, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month.

Up to 6% rebate on online spending. You can pick spending category for extra rebate every month based on your own spending habit.

Up to 6% rebate on online spending = 1% rebate on online foreign currency spending + 5% extra rebate of your choice
1% unlimited rebate on online foreign currency spending. No registration is required.
5% Cash Rebate Reward of Your Choice. Register for the Program in DBS Card+ HK and select one spending category. Enjoy an extra rebate of eligible transaction of the chosen spending category.
- 3 “Reward of your choice” categories include:
  1. Entertainment & Travel Expert (Include Entertainment Spending and Online Travel Merchant Spending)
  2. Fashionista (Include Online Beauty, Fashion & Apparel Spending and Selected Online Merchant Spending)
  3. Sustainability & Charity Champion (Including Selected Green Merchants, Social Service Organisations Spending and Online Charity Donations)
- 5% Cash Rebate Reward of Your Choice Selection List: go.dbs.com/hk-lf5list-en
- Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders must click the red InstaRedeem button on the "Spending" page of DBS Card+ to enjoy the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
0.4% cash rebate on other spending categories.

DBS Live Fresh Card Exclusive: 90 days Interest-Free Repayment Period for Overseas, Travelling and Online Transaction

Flexi Travel – up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction
iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction
No interest will be charged when you pay off your balance within the interest-free repayment period.

10 Free Trials for Flexi Shopping. No handling fee when you apply for Flexi Shopping Programme.

Cardholders who successfully apply for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ HK can enjoy a full handling fee rebate.
Applicable to the first 10 eligible transactions during the promotion period
Promotion period: 1 January 2025 – 31 December 2025.

New function of DBS Card +: Spending Limit & Spending On-off. You can easily manage your spending with the app.

Spending Limit: You may set a Retail Spending Limit per month for each Credit Card account with DBS Card+ HK.
Spending On-off: You may use the function to approve or decline certain categories of Spending like “Online Spending”, “Local Spending” and “Overseas Spending”.

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.
Online transactions in Hong Kong Dollars, reload of e-wallets and Octopus Automatic Add-Value Service are only entitled to 0.4% basic rebate.
Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders are required to claim the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
- Cardholders must click the red InstaRedeem button on the “Spending” page of DBS Card+ HK to enjoy the Reward.

Terms and Conditions apply.
For details, please visit go.dbs.com/hk-livefresh

To borrow or not to borrow? Borrow only if you can repay!

Cashback

HSBC Visa Gold Card for Students

Rewards of Your Choice category

2.4 %

Cashback Rewards

2.4 %

Min. Annual Income

No Requirement

Annual Fee

Perpetual annual fee waiver

MoneyHero's take

Student card
Annual Fee waiver
Local spending rebate
Cinema ticketing

Card Details

Repayment Details

Late Payment Charge: Minimum Payment Due or HK$300, whichever is lower

Interest Free Period: 56 days

Fees

Annual Fee: Perpetual annual fee waiver

Air Miles Conversion Fee: Waived

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Min. Annual Income: No Requirement

Key Features

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

Card Benefits

Get up to 2.4% RewardCash rebate on tuition fees
Get up to 6X RewardCash for spending in Rewards of Your Choice category. Rebate rate at 2.4% (ie HK$4.17 for 1 mile)
Enjoy an instant discount of HK$30 when you spend HK$300 or more in a single transaction at any eslite bookstore with your card via mobile or Visa contactless payment

Entertainment benefits

Enjoy some music as you study with a KKBOX trial for just HK$9.9 during your first month, then HK$53 per month for subsequent months
Get 10% off regular-priced tickets at CGV Cinemas

Perpetual annual fee waiver

The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card

To borrow or not to borrow? Borrow only if you can repay!

Student

PrimeCredit WeWa Visa Platinum Card for University Student

Card Benefit

10 %

Min. Annual Income

No Requirement

Annual Fee

5-year waiver

MoneyHero Reward up to HK$2,300

Apply through MoneyHero and choose from 1 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Travel agency offer
Installment

Card Details

Repayment Details

Interest Free Period: 53 days

Late Payment Charge: HK$320

Fees

Foreign Currency Transaction Fee: 1.95 %

Annual Fee: 5-year waiver

Eligibility

Minimum Age: 18 years old

Min. Annual Income: No Requirement

Key Features

Launch of WeWa Club Enjoy endless offers and jetso

From now until September 30 2026, enjoy Foreign Currency Transaction Fee Waiver and up to 10% cash rebate with WeWa during your travels.
Earn up to 4% from The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.

At WeWa Club, you can:
- Buy amazing things at a good deal
- Enjoy priority booking for concerts or other events
- Enjoy many other offers and jetso!
Click here to register as a WeWaClub member

Enjoy limited-time offers and activities in OmyCard app

Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.

Pay with WeWa UnionPay Credit Card and enjoy direct cash rebate.

4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (0.4% basic rebate + 3.6% additional rebate) (HK$250 = HK$10 cash rebate)
0.4% on other spendings (HK$250 = HK$1 cash rebate)

3-month Interest-free Credit Card Transaction Instalment Plan

Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.

Annual fee waiver for the first 2 years; 5 years for student cardholders

Other things to note

Welcome offers, HK$300 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200

Student

PrimeCredit EarnMORE UnionPay Card for University Student

Card Benefit

Up to 8 % cashback

Min. Annual Income

No Requirement

Annual Fee

HK$

1,500

MoneyHero Reward up to HK$4,290

Apply through MoneyHero and choose from 1 premium rewards

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Foreign txn rebate
Travel agency offer
Installment

Card Details

Repayment Details

Late Payment Charge: HK$320

Interest Free Period: 53 days

Fees

Annual Fee: HK$1,500

Foreign Currency Transaction Fee: 1 %

Eligibility

Min. Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

Pay with EarnMORE UnionPay Credit Card and enjoy 2% direct cash rebate

2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending

Easy and instant payment with in-app UnionPay QR code function in OmyCard app

Enjoy "Hot Deals Patrols" limited-time offers through the app. You can buy popular products at a discounted price.

Other things to note

Welcome offers Approval Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
Each card can be entitled to a maximum amount of HK$1,500 extra 1% cash rebate during the Promotion Period.
- The promotion period of 2% year-round rebate is valid from 1 July 2026 to 30 June 2027.

Selected spending offers

Region	Spending with a BNP credit card can enjoy the following offers	Promotional period
Mainland China	At Bicester Shopping Village, spend RMB 1500 or more with a UnionPay QR code to get an instant RMB 100 discount; At selected merchants such as Haidilao and Zhilefang, spend RMB 300 or more using UnionPay QR codes to get RMB 50 off instantly; At selected merchants like Holiland and RT-Mart, spend RMB 200 or more using UnionPay QR codes to get RMB 30 off; At selected merchants like Nayuki Tea and Lilian Egg Tart, spend RMB 30 using UnionPay QR code to get RMB 10 off instantly. For more details, click here	From now until December 31, 2026
	By registering for exclusive UnionPay 'Splendid China' benefits, you can enjoy the following benefits for merchants in Mainland China:
	Airport privilegesSpend RMB1500 or more offline within Mainland China for a chance to enjoy one complimentary airport VIP service within Mainland China. For details, click here	From now until December 31, 2026
	Transportation and travel Use UnionPay mobile QuickPass/Cloud QuickPass codes to ride the subway in designated cities and enjoy a 50% discount (capped at RMB4). For details, click here Spend RMB1000 or more offline within mainland China for a chance to enjoy one free high-speed rail VIP privilege within mainland China. For details, click here
	Supreme LifestyleSpend RMB500 or more offline within Mainland China to receive a Klook 50% off voucher (up to USD 15). For details, click here
	Chinese cuisine Spend RMB350 or more in a single transaction at designated restaurants in Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou for a chance to get an instant RMB 100 discount. Click here for details Dine at designated luxury hotels and restaurants in designated cities such as Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou at designated times, and enjoy exclusive benefits for "buffet and afternoon tea, with two or more people traveling together, one person free." For details, please click here
Japan	Spend JPY 50,000 or more in a single transaction at Takashimaya Department Store to get an instant JPY 1,000 off. Click here for details At Chubu Centrair International Airport and New Chitose Airport, spend JPY 10,000 or more in a single transaction to get an instant JPY 400 discount. Click here for details Enjoy an instant JPY 400 discount on a single transaction of JPY 20,000 or more at the designated merchants listed below Haneda Airport, Narita Airport, and Kansai Airport. For details, click here Bicool Appliances, please click here for details Enjoy an instant JPY 400 discount on a single purchase of JPY 30,000 or more at the designated merchants below Alexander & Sun Duty-Free Shop, click here for details LOTTE duty-free shop, details click here	From now until December 31, 2026
Macau	Present valid PISA exclusive electronic coupons from the "Preferential Plan" section when shopping at PISA Macau stores using UnionPay cards or UnionPay QR codes to enjoy the following instant discounts: Spend MOP 8,000 or more in a single transaction and get MOP 100 off; Spend MOP 20,000 or more in a single transaction and get MOP 300 off instantly; Spend MOP 50,000 or more in a single transaction and get MOP 800 off instantly; Instant MOP 1,600 off for a single net spending of MOP 100,000; Net spending of MOP 200,000 or more in a single transaction gets MOP 3,500 off instantly. For details, click here	From now until March 31, 2027
Taiwan	At Momanton Sportswear standalone stores, pay with UnionPay cards to enjoy a 30% discount on products above 30% off, plus an additional 5% off. For details, click here	From now until December 31, 2026

Airmiles Rebate

Citi Prestige Card

Airmiles Overseas

$ 4 per mile

Airmiles Local

$ 6 per mile

Airport Lounge Access

Unlimited

MoneyHero Reward up to HK$3,990

Apply through MoneyHero and choose from 8 premium rewards

MoneyHero's take

Unlimited global airport lounges access
4th night free at hotels worldwide
Exclusive dining perks
Complimentary green fees at selected golf courses
24/7 Citi Prestige Concierge

Card Details

Repayment Details

Late Payment Charge: HK$300

Fees

Annual Fee: HK$3,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$600,000

Key Features

Points will never expire
- Local Spending: HK$6 = 12 Points, equivalent to HK$6 = 1 mile
- Overseas Spending: HK$4 = 12 Points, equivalent to HK$4 = 1 mile
- Pay annual fee of HK$3,800 every year
- From the second year onwards, receive 360,000 Points^ every year (equivalent to 30,000 Asia Miles)
  ^Points will be credited to the eligible Principal Cardholder’s account two (2) calendar months after the annual fee has been fully paid.
- Points can redeem cash rebate, vouchers, gifts and airmiles
Complimentary 4th night at hotels worldwide when you book a minimum 4-consecutive-night stay with Citi Prestige Concierge
Complimentary access to over 1,500 Priority Pass lounges around the world
Connects to Citi Prestige Concierge hotline or access the Live Chat function via Citi Mobile® App with multiple languages
Complementary travel insurance, purchase protection, e-commerce protection insurance and more.

Other things to note

This MoneyHero Exclusive Offer does not apply to student card or any other promotions or welcome offers.
Annual fee of HK$3,800 must be paid.
MoneyHero exclusive offer is 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").
Each Eligible Cardholder is entitled to one welcome offer only.

Octopus

Dah Sing ONE+ Credit Card

Cashback Local

1 %

Cashback Overseas

1 %

Cashback Octopus Top Up Spending

0.5 %

Annual Fee Waiver

First 2 year

MoneyHero's take

Local spending rebate
Overseas spending rebate
Octopus AAVS rebate
First 2 year annual fee waiver

Card Details

Repayment Details

Minmum Payment: HK$200 or above, if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance

Late Payment Charge: 300

Interest Free Period: 60 days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Minimum Annual Income: HK$150,000

Key Features

HK$500 cash rebate Welcome offer
Unlimited 1% cash rebate on local and overseas retail spending
0.5% cash rebate on Octopus reload amount
First 2-year annual fee waiver

To borrow or not to borrow? Borrow only if you can repay

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU

Terms and Conditions of Dah Sing ONE+ Credit Card

Airmiles

American Express® Gold Business Card

Airport Lounge Access

2 times

Airmiles Overseas

As low as $ 6 per mile

Min. Annual Income

HK$

200,000

Annual Fee

HK$

980

MoneyHero's take

Travel insurance
Local spending rebate
Travel agency offer
Airport lounge

Card Details

Repayment Details

Minimum Payment: Total spending of that month

Interest Free Period: 51 Days

Late Payment Charge: 3.9 %

Fees

Annual Fee: HK$980

Foreign Currency Transaction Fee: 2 %

Eligibility

Min. Annual Income: HK$200,000

Minimum Age: 18 years old

Key Features

Earn rewards when you spend with the Card
- Local Spending - HK$1 = up to 2 Membership Rewards points*
  - Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example, it’s equivalent to 0.66% savings.
  - Take 18 Membership Reward points = 1 Asia Mile as an example.
- Foreign Currency Spending - HK$1 = up to 3 Membership Rewards points*
  - Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example, it’s equivalent to 1% savings.
  - Take 15 Membership Reward points = 1 Asia Mile as an example.
- *Only applicable to the first HK$300,000 equivalent of eligible spending with the Business Gold Card within each program period. For HK$300,001 and onwards, you will earn 1 Membership Rewards point for every HK$1 spent locally and 2 points for every HK$1 spent in foreign currencies.
- Membership Rewards points can be used for redeeming cash rebate, air miles, dining offers, cash vouchers, hotel stays, Card fee waivers, charities donation and other merchandises.
Better Control with the Business
- No pre-set spending limit
- Up to 51 credit-free days when paying suppliers
- Actual credit-free period will vary based on the date of charges and the billing cycle cut-off date. While no pre-set spending limit does not mean unlimited spending and charges are approved based on your payment history, credit records, spending pattern with us.
Business Insurance
- Enjoy up to HK$1,000,000 accident insurance for your business.
  - Up to HK$2,000,000 Business Travel Accident Insurance
  - Up to HK$4,000 for accommodation and essential clothing due to a delayed or cancelled flight and missed connection
  - Up to HK$8,000 luggage delay
  - Up to HK$10,000 for lost luggage
- The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. (American Express) does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. Exclusions and limitations apply.

Lifestyle Benefits
- Access to airport lounges (Basic and supplementary Cardmembers are eligible to a total of two visits per year)
  - Eligible American Express® Gold Business Card Cardmembers can enjoy Complimentary access to Plaza Premium Lounge (2 per calendar year)
First-year Annual Fee Waiver of HK$980 including 3 Complimentary Supplementary Cards

From now till December 31, 2025, enjoy up to 10% savings on the original price of SHOPLINE’s unified commerce solution. Terms & Conditions apply.
From now till December 31, 2025, new customers of iStock enjoy 20% savings on original price upon purchases of new subscriptions. Terms & Conditions apply.
From now till December 31, 2025, enjoy 20% savings on the original price of the first 3 months of your purchase of an IWG Membership or Virtual office plan for any IWG brands and centers around the world (for new customers signing up for a 12-month contract or longer). Terms & Conditions apply.

Eligibility Requirements
Applicants need to be
- over 18 years of age;
- Gross personal income is over HK$200,000 p.a.;
- HK or Macau Residents or Citizens; and
- the owner, partner, shareholder, CEO, managing director or executive of the company.
Existing Business Card or Gold Business Cardmember and applicants who held The Business Card or Gold Business Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers.

Airmiles

Dah Sing ANA World Mastercard

Airmiles Local

$ 8 per mile

Airmiles Overseas

$ 8 per mile

Annual Fee Waiver

First year

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Overseas rebate
Online Spending
Local spending rebate
First year annual fee waiver

Card Details

Repayment Details

Minmum Payment: HK$200 or above, if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance

Late Payment Charge: -

Interest Free Period: 60 days

Fees

Air Miles Conversion Fee: $0

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Eligibility

Minimum Age: 18 years old

Minimum Annual Income: HK$150,000

Key Features

All local and overseas spending HK$8 = 1 Mile
- There is no limit for earning miles and you can redeem a round trip ticket to Tokyo, Osaka, Nagoya, Sapporo etc. with as low as 17,000 miles. You can also take Business Class to Japan with as low as 35,000 miles
Enjoy extra 5,000 miles upon successfully opens Dah Sing YOU i-Account, VIP i-Account or Hello Kitty VIP i-Account within 3 months from the date of card issuance
Annual Fee Waiver Scheme
- On top of the first-year annual fee waiver, if the accumulated retail spending reached HKD50,000 or above in the past 12 monnths from the month required to pay annual fee, the annual fee if principal and supplementary card will be waived.
Enjoy priority check-in service at ANA Business class check-in counter at Hong Kong International Airport, Tokyo International Airport, Narita International Airport, Kansai International Airport and Chubu Centrair International Airport by simply presenting your Dah Sing ANA World Mastercard (valid when using flights operated by ANA)
Dah Sing Principal Cardholders will receive an extra 25% mileage when using flights operated by ANA
Exclusive ANA Flight Privileges
- 10% Discount for ANA In-flight Shopping
- 10% Shopping Discount at ANA GROUP duty fee shops and 5%Shopping Discount at ANA FEATA at the Airports
- Special Offers at ANA Hotels and IHG ANA Co-branded Hotels
- 5% mileage bonus for ANA Premium Members
- Easier way to receive ANA Bronze Service
- ANA Family Account Service (AFA)
- Dah Sing ANA World Mastercard Exclusive Ticket Discount
- Exclusive ANA flight Privileges are provided by All Nippon Airways and subject to the relevant terms and conditions. The Bank will not be responsible for any matter. The Privileges may change over time, for more details, please refer to ANA's website www.ana.co.jp/en/hk
World Mastercard
- Mastercard Travel Pass provided by DragonPass
  - You can now access over 1,300 airport lounges worldwide and enjoy exclusive dining and spa offers with you Dag Sing ANA World Mastercard. Simply download the Mastercard Travel Pass App to enjoy the privileges!
- Access Your Benefits
  - Airport Lounges Access
  - Travel Information
  - Dining Discount
  - Airport Limousine Service
- Offers Redemption
  - You can download the Mastercard Travel Pass App from Google Play Store or Apple App store and register with our Dah Sing World Mastercard. Many offers and services are also available in App.
- Remarks
  - Above offers and services are provided by DragonPass and is subject to the relevant terms and conditions. The Bank will not be responsible for any matter.
  - More offers are available and may change over time, for more details and terms and conditions, please refer to Mastercard Travel Pass Website.

Terms and conditions of Dah Sing ANA World Mastercard

To borrow or not to borrow ? Borrow only if you can repay!

The service(s) / product(s) mentioned here is/ are not targeted at customers in the EU

Transportation

Dah Sing MyAuto Credit Card

Local transportation cashback

8 %

Annual Fee

HK$

1,800

Min. Annual Income

HK$

150,000

MoneyHero's take

First 2 year annual fee waiver
Must have for car owners
Local spending rebate
One time Complimentary Tire Repair & Towing Service

Card Details

Repayment Details

Late payment charge: HK$300

Interest free period: Up to60 days

Fees

Annual fee: HK$1,800

Eligibility

Minimum annual income: HK$150,000

Minimum age: 18 years-old

Key Features

Enjoy 20X bonus point on the Payment of toll with "HKeToll“ (equivalent to 8% rebate) (Monthly Spending Requirement: HK$1,000; Maximum 25,000 Bonus Points to be awarded)
Enjoy 8X bonus point on other Car-related Spending (including Car Purchase, Hourly Parking*, Car Wash, Car Beauty, Car Repair, Auto Parts, Car Maintenance, Towing Service, Electric Vehicle Charging, Spending at Gas Stations) (Monthly Spending Requirement: HK$5,000; Maximum 50,000 Bonus Points to be awarded)
Enjoy basic bonus point for other retail transactions
Up to 79% off year-round and privileged offers
Enjoy Free tire repair and towing service once per year
First 2 year annual fee waiver

* Only applicable to single hourly parking fee transaction of HKD500 or below.

Terms and Conditions of Dah Sing MyAuto Credit Card

To borrow or not to borrow? Borrow only if you can repay!

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

Airmiles

Dah Sing United MileagePlus World MasterCard

Airmiles Local

HK$

8 mile

Airmiles Overseas

HK$

5 mile

Airport Lounge Access

1 per quarter

Annual Fee Waiver

First 2 years

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Mile Conversion
Miles Never Expire
Complimentary United Club Access
First 2 year annual fee waiver

Card Details

Repayment Details

Minimum Payment: HK$200

Interest Free Period: up to60 Days

Late Payment Charge: HK$300

Fees

Annual Fee: HK$2,000

Foreign Currency Transaction Fee: -

Air Miles Conversion Fee: $0

Eligibility

Min. Annual Income: HK$150,000

Minimum Age: 18 years old

Key Features

Welcome Offer up to 10,000 Miles
Mile Conversion as low as HK$5 = 1 Mile
- Take advantage of earning MileagePlus award miles, and taking off anytime you like and travel to more than 1,000 cities in the world! United Airlines now operates nonstop services from Hong Kong to San Francisco and Los Angeles.
- Dah Sing United MileagePlus World Mastercard Conversion
  
  Local spending HK$8 = 1 mile
  
  Spending at designated merchants HK$6 = 1 mile
  
  United Airlines and overseas spending HK$5 = 1 mile

First 2-year annual fee waiver
Complimentary United Club Access
- Receive a one-time electronic United Club pass to enjoy access to the United Club, where you can relax and enjoy complimentary amenities, when you spend HKD40,000 or more in the previous quarter.
- Remark: The offer is provided by United Airlines and subject to the relevant terms and conditions. Dah Sing Bank, Limited will not be responsible for any matters related to these privileges. The privileges may change over time.
Enjoy a 15% discount off the full retail price while purchasing United MileagePlus Miles via www.united.com/buymiles and login with your MileagePlus account number and password.
- Remark: The offer is provided by United Airlines and subject to the relevant terms and conditions. Dah Sing Bank, Limited will not be responsible for any matters related to these privileges. The privileges may change over time.
Enjoy more flexibility in miles redemption with miles in your MileagePlus account that will never expire.
- Remark: The offer is provided by United Airlines and subject to the relevant terms and conditions. Dah Sing Bank, Limited will not be responsible for any matters related to these privileges. The privileges may change over time.
World Mastercard Fabulous Privileges
- Mastercard Travel Pass provided by DragonPass
  - You can now access over 1,300 airport lounges worldwide and enjoy exclusive dining and spa offers with your Dah Sing MileagePlus World Mastercard. Simply download the Mastercard Travel Pass App to enjoy the privileges!
- Access Your Benefits
  - Airport Lounges Access
  - Dining Discount
  - Travel Information
  - Airport Limousine Service
- Offers Redemption
  - You can download the Mastercard Travel Pass App from Google Play Store or Apple App store and register with our Dah Sing World Mastercard. Many offers and services are also available in App.
- Remarks:
  - Above offers and services are provided by DragonPass and is subject to the relevant terms and conditions. The Bank will not be responsible for any matter.
  - More offers are available and may change over time, for more details and terms and conditions, please refer to Mastercard Travel Pass Website at mastercardtravelpass.dragonpass.com..
Terms and Conditions of Dah Sing United MileagePlus World Mastercard
To borrow or not to borrow? Borrow only if you can repay!
The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

Airmiles

Dah Sing British Airways Platinum Card

Airmiles Local

$ 6 per mile

Airmiles Overseas

$ 4 per mile

Annual Fee

HK$

1,800

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Airmiles Local
Airmiles Overseas
First 2 year annual fee waiver

Card Details

Repayment Details

Minimum Payment: HK$200 or above, if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance

Late Payment Charge: amount equivalent to the minimum payment stated on the monthly statement

Interest Free Period: 60 Days

Fees

Annual Fee: HK$1,800

Foreign Currency Transaction Fee: 1.95 %

Air Miles Conversion Fee: $0

Eligibility

Minimum Age: 18 years old

Min. Annual Income: HK$150,000

Key Features

Welcome offer up to 32,000Avios
First 2-year annual fee waiver
HK$6 = 1 Avios on local spending
HK$6 = 1.5 Avios on overseas spending
HK$6 = 2 Avios on spending on your birthday
HK$6 = 2 Avios when booking flights online at www.ba.com or at the British Airways Hong Kong Ticket Office

Terms and Conditions of Dah Sing British Airways Platinum Card

To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

Cashback

AEON Visa Credit Card

Annual Fee

Perpetual Annual Fee Waiver

MoneyHero's take

Welcome offer: Rebate
Local spending rebate
Overseas rebate

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 52 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee: 0 %

Eligibility

Minimum Age: 18 years old

Minimum Monthly Income: No Requirement

Key Features

Earn up to 225,000 AEON Bonus Points (=up to HK$900 cash rebate)

【 Welcome Offer 】

New customer is entitled to the respective reward upon fulfilling the corresponding conditions within the first 60 calendar days after the card approval and issuance:

1. Accumulated Spending Reward

100,000 AEON Bonus Points (= up to HK$400 cash rebate) upon making accumulated eligible spending of HK$6,000 from credit purchase, AEON Merchant Interest-free Instalment Plan with Eligible Credit Card

2. Mobile Payment Reward

Within the HK$6,000 eligible transaction above, HK$1,000 of the accumulated eligible spending is made via Apple Pay or Google Pay, to earn extra 25,000 AEON Bonus Points (= up to HK$100 cash rebate)

3. Online Welcome Reward

Extra 100,000 Bonus Points (= up to HK$400 cash rebate) upon successful application through “AEON HK” Mobile App and input the Promo Code “MHAEONA”.

Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.

【Purple Everyday Rewards】

Promotion Period: 14 November – 30 November 2025

Earn up to 6% rebate with Mobile Payment (=15X Bonus Points) / up to 2% rebate with Physical Card (=5X Bonus Points) on following spending categories:

“Eat”: Local Dining

“Live”: AEON Stores shopping

“Ride”: Local Transportation (Including UberTaxi, MTR, Bus, tunnel tolls etc)

Registration is required, click here for details.

【 Getting more from Purple 】

Permanent Annual Fee Waiver
Up to 2X Unlimited Basic Bonus Points
Extra 5% off on AEON Thanksgiving Days (2nd and 20th of every month)
Flexibly convert your Bonus Points into rebate, miles, gifts and vouchers

Terms and conditions apply, subject to AEON’s website. For the latest details, please refer to AEON’s website.

Cashback

AEON Mastercard Credit Card

Annual Fee

Perpetual Annual Fee Waiver

MoneyHero's take

Welcome offer: Rebate
Local spending rebate
Overseas rebate

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 52 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee: 0 %

Eligibility

Minimum Age: 18 years old

Minimum Monthly Income: No Requirement

Key Features

Earn up to 225,000 AEON Bonus Points (=up to HK$900 cash rebate)

【 Welcome Offer 】

New customer is entitled to the respective reward upon fulfilling the corresponding conditions within the first 60 calendar days after the card approval and issuance:

1. Accumulated Spending Reward

100,000 AEON Bonus Points (= up to HK$400 cash rebate) upon making accumulated eligible spending of HK$6,000 from credit purchase, AEON Merchant Interest-free Instalment Plan with Eligible Credit Card

2. Mobile Payment Reward

Within the HK$6,000 eligible transaction above, HK$1,000 of the accumulated eligible spending is made via Apple Pay or Google Pay, to earn extra 25,000 AEON Bonus Points (= up to HK$100 cash rebate)

3. Online Welcome Reward

Extra 100,000 Bonus Points (= up to HK$400 cash rebate) upon successful application through “AEON HK” Mobile App and input the Promo Code “MHAEONA”.

Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.

【Purple Everyday Rewards】

Promotion Period: 14 November – 30 November 2025

Earn up to 6% rebate with Mobile Payment (=15X Bonus Points) / up to 2% rebate with Physical Card (=5X Bonus Points) on following spending categories:

“Eat”: Local Dining

“Live”: AEON Stores shopping

“Ride”: Local Transportation (Including UberTaxi, MTR, Bus, tunnel tolls etc)

Registration is required, click here for details.

【 Getting more from Purple 】

Permanent Annual Fee Waiver
Up to 2X Unlimited Basic Bonus Points
Extra 5% off on AEON Thanksgiving Days (2nd and 20th of every month)
Flexibly convert your Bonus Points into rebate, miles, gifts and vouchers

Terms and conditions apply, subject to AEON’s website. For the latest details, please refer to AEON’s website.

Cashback

AEON UnionPay Credit Card

Annual Fee

Perpetual Annual Fee Waiver

MoneyHero's take

Welcome offer: Rebate
Local spending rebate
Overseas rebate

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 52 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee: 0 %

Eligibility

Minimum Age: 18 years old

Minimum Monthly Income: No Requirement

Key Features

Earn up to 225,000 AEON Bonus Points (=up to HK$900 cash rebate)

【 Welcome Offer 】

New customer is entitled to the respective reward upon fulfilling the corresponding conditions within the first 60 calendar days after the card approval and issuance:

1. Accumulated Spending Reward

100,000 AEON Bonus Points (= up to HK$400 cash rebate) upon making accumulated eligible spending of HK$6,000 from credit purchase, AEON Merchant Interest-free Instalment Plan with Eligible Credit Card

2. Mobile Payment Reward

Within the HK$6,000 eligible transaction above, HK$1,000 of the accumulated eligible spending is made via Apple Pay or Google Pay, to earn extra 25,000 AEON Bonus Points (= up to HK$100 cash rebate)

3. Online Welcome Reward

Extra 100,000 Bonus Points (= up to HK$400 cash rebate) upon successful application through “AEON HK” Mobile App and input the Promo Code “MHAEONA”.

Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.

【Purple Everyday Rewards】

Promotion Period: 14 November – 30 November 2025

Earn up to 6% rebate with Mobile Payment (=15X Bonus Points) / up to 2% rebate with Physical Card (=5X Bonus Points) on following spending categories:

“Eat”: Local Dining

“Live”: AEON Stores shopping

“Ride”: Local Transportation (Including UberTaxi, MTR, Bus, tunnel tolls etc)

Registration is required, click here for details.

【Mainland China, Macau and Taiwan Spending Rewards】

Promotion Period: 1 October - 31 December 2025

Earn up to 6% rebate with Mainland China, Macau and Taiwan Spending (Registration is required, click here for details)

【 Getting more from Purple 】

Permanent Annual Fee Waiver
Up to 2X Unlimited Basic Bonus Points
Extra 5% off on AEON Thanksgiving Days (2nd and 20th of every month)
Flexibly convert your Bonus Points into rebate, miles, gifts and vouchers

Terms and conditions apply, subject to AEON’s website. For the latest details, please refer to AEON’s website.

Cashback

AEON JCB Credit Card

Annual Fee

Perpetual Annual Fee Waiver

MoneyHero's take

Welcome offer: Rebate
Local spending rebate
Overseas rebate

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 52 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee: 0 %

Eligibility

Minimum Age: 18 years old

Minimum Monthly Income: No Requirement

Key Features

Earn up to 175,000 AEON Bonus Points (=up to HK$700 cash rebate)

【 Welcome Offer 】

New customer is entitled to the respective reward upon fulfilling the corresponding conditions within the first 60 calendar days after the card approval and issuance:

1. Accumulated Spending Reward

100,000 AEON Bonus Points (= up to HK$400 cash rebate) upon making accumulated eligible spending of HK$6,000 from credit purchase, AEON Merchant Interest-free Instalment Plan with Eligible Credit Card

2. Online Welcome Reward

Extra 100,000 Bonus Points (= up to HK$400 cash rebate) upon successful application through “AEON HK” Mobile App and input the Promo Code “MHAEONA”.

Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.

【Purple Everyday Rewards】

Promotion Period: 14 November – 30 November 2025

Earn up to 2% rebate with Physical Card (=5X Bonus Points) on following spending categories:

“Eat”: Local Dining

“Live”: AEON Stores shopping

“Ride”: Local Transportation (Including UberTaxi, MTR, Bus, tunnel tolls etc)

Registration is required, click here for details.

Up to 8% Cashback on Spending in Japan or Japanese Online Stores (Limited-Time Offer)

Earn up to 20X AEON Points (equivalent to 8% cashback) when you spend in Japanese Yen (JPY) at physical stores in Japan or on Japanese websites.

No Foreign Transaction Fees

Enjoy a full rebate on foreign transaction fees for your first JPY spending equivalent to HK$6,000, including both in-store and online transactions in Japan.

Up to 10% Cashback at AEON Stores in Japan

Earn up to 25X AEON Points (equivalent to 10% cashback) when spending at AEON physical stores in Japan.

(Registration required. Click here for details.)

【 Getting more from Purple 】

Permanent Annual Fee Waiver
Up to 2X Unlimited Basic Bonus Points
Extra 5% off on AEON Thanksgiving Days (2nd and 20th of every month)
Flexibly convert your Bonus Points into rebate, miles, gifts and vouchers

Terms and conditions apply, subject to AEON’s website. For the latest details, please refer to AEON’s website.

Cashback

AEON CARD WAKUWAKU

Cashback Local Online Shopping

6 %

Cashback Overseas

3 %

Cashback Dining

1 %

MoneyHero's take

Welcome offer: Rebate
Overseas rebate
Supermarket discount
No foreign txn fee

Card Details

Repayment Details

Minimum Payment: A.Total fees and charges (include but not limited to financial charge, past due amount & over-limit amount) currently billed to the card statement; and B.1% of the statement balance (excluding item A where applicable); (Minimum HK$100, whichever is higher)

Late Payment Charge: HK$300

Interest Free Period: Up to53 days

Fees

Foreign Currency Transaction Fee: $0

Annual Fee: Permanent Annual Fee Waiver

Eligibility

Minimum Age: 18 years old

Min. Annual Income: No Requirement

Key Features

Thanksgiving Days

Cardholder is entitled to 5% credit purchase discount at AEON on "AEON Thanksgiving Days" (2nd & 20th of every month) Except fast food, licensee and specified items

Enjoy more savings all year-round with the "AEON Member Price"

Starting from 7 November 2024, foreign transaction with AEON Cards are imposed

1.95% of the transaction amount of every foreign transaction converted into Hong Kong dollars (included the 1% charge imposed by relevant card associations).
1% of the transaction amount of every Hong Kong dollar transaction conducted overseas or merchant registered outside Hong Kong (as to be charged by relevant card associations).
For details, please refer to the terms in credit card fee schedule and key facts statement
Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.

Other things to note

Terms and Conditions apply, subject to AEON's website. For the latest details, please refer to AEON's website.

Airmiles

AEON Card JAL MasterCard

Airmiles Overseas

$ 6 per mile

Airmiles Local

HK$

8 per mile

Min. Annual Income

No Requirement

MoneyHero's take

Welcome offer: Rebate
Airport lounge
Supermarket discount
No foreign txn fee

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 52 Days

Fees

Annual Fee: -

Foreign Currency Transaction Fee: 0 %

Eligibility

Minimum Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

2% Rebate (Up to HK$500 Rebate) Welcome Offer
New customer is entitled to 2% rebate, up to HK$500 upon credit spending or AEON Merchant Interest-free Instalment Plan of first HK$25,000 with the card within the first 60 days after the card approval and issuance.
Local Spending Rewards
- Enjoy HK$6 = 1 JMB mile for spending on local dining all year round.
- Enjoy HK$8 = 1 JMB mile for spending on other categories all year round.
- 【AEON Card ．Eat Well．Go Tasty】Apart from the basic local dining rewards all year round, earn extra rewards of HK$6 = 2 JMB miles on local dining by spending via Apple Pay / Google Pay, meaning a total of HK$6 = 3 JMB miles. (Registration & Promotion Period until 28 February 2025)
- 【AEON Card ．Eat Well．Go Healthy】Apart from the HK$8 = 1 JMB mile basic rewards all year round, earn extra rewards of HK$8 = 2 JMB miles on selected local health merchants* by spending via Apple Pay / Google Pay, meaning a total of HK$8 = 3 JMB miles. (Registration & Promotion Period until 28 February 2025) *Selected local health merchants include AUSupreme, Beijing Tong Ren Tang, CATALO, Comvita, Eu Yan Sang, Vita Green and Wai Yuen Tong
Day Day Spend & Rewards @ Local/Overseas/Online Spending

Spend with your AEON Card every day in local, online and travelling to earn up to HK$1,250 cash rebate.
- Accumulated Spending Amount of Each Phase HK$7,000 or above, earn HK$120 Cash Rebate (Total up to HK480 Cash Rebate in 4 Phases)
- Extra Rewards 1: Fulfilled spending requirement for 4 spending phases and accumulated spending of HK$55,000 during the whole Spending Period to earn extra HK$620 Cash Rebate
- Extra Rewards 2: Fulfilled Extra Rewards 1 spending requirement and in which accumulated Overseas Retail Spending (Overseas retail transaction settled by foreign currency) of HK$20,000 to earn extra HK$150 Cash Rebate
Overseas Spending Rewards
- Overseas spending in Japan category;
- Enjoy HK$6 = 1 JMB mile on Japan Spending all year round
- Enjoy 5% discount offer for shopping at designated Duty Free shops at the Narita International Airport and Haneda Airport (Tokyo International Airport).
- Accumulate credit purchase spending HK$150,000 or above in 12 months upon card issuance and annually thereafter, cardmember can enjoy the designated lounge service at Hong Kong International Airport once in the coming year (cardmember need to travel with JAL operating flights and depart from Hong Kong)
  Starting from 7 November 2024, foreign transaction with AEON Cards are imposed
- 1.95% of the transaction amount of every foreign transaction converted into Hong Kong dollars (included the 1% charge imposed by relevant card associations).
- 1% of the transaction amount of every Hong Kong dollar transaction conducted overseas or merchant registered outside Hong Kong (as to be charged by relevant card associations).
AEON Shopping Offer
- Earn HK$7 = 1 JMB mile for spending at AEON Stores all year round;
- Enjoy 5% credit purchase discount at AEON on "Thanksgiving Days" (2nd & 20th of every month)
- Enjoy all year-round with the "AEON Member Price“
Birthday Offer
- Participate in the mini game “AEON FantasCake Birthday Party” during birth month to battle for a grand prize of HK$10,000 Spending Credit & other amazing rewards
First Year Annual Fee Waiver
Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.
Accumulate credit purchase spending HK$30,000 or above on any credit purchase and card instalment in 12 months upon card issuance and annually thereafter, cardmember can enjoy the annual fee waiver of the coming year. Terms and conditions apply.

Terms and conditions apply, subject to AEON’s website. For the latest details, please refer to AEON’s website.

Cashback

AEON SPCA Mastercard (Kitten)

Min. Age

18 years old

Min. Annual Income

No Requirement

Annual Fee

Perpetual Annual Fee Waiver

MoneyHero's take

Local spending rebate
Online shopping rebate
Overseas rebate
Annual Fee waiver

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 52 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee: 0 %

Eligibility

Minimum Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

AEON will donate 0.1% of all credit purchase amount transacted through AEON SPCA Mastercard® to SPCA.

Enjoy 10% discount in SPCA shops including varieties of pet food and pet care products.
Day Day Spend & Rewards @ Local/Overseas/Online Spending

Spend with your AEON Card every day in local, online and travelling to earn up to HK$1,250 cash rebate.
- Accumulated Spending Amount of Each Phase HK$7,000 or above, earn HK$120 Cash Rebate (Total up to HK480 Cash Rebate in 4 Phases)
- Extra Rewards 1: Fulfilled spending requirement for 4 spending phases and accumulated spending of HK$55,000 during the whole Spending Period to earn extra HK$620 Cash Rebate
- Extra Rewards 2: Fulfilled Extra Rewards 1 spending requirement and in which accumulated Overseas Retail Spending (Overseas retail transaction settled by foreign currency) of HK$20,000 to earn extra HK$150 Cash Rebate

AEON Bonus Points Program
- Every HK$1 spent on credit purchase entitled 2 bonus point. (25,000 bonus points can redeem HK$100 cash coupon, which equals to 0.8% rebate)

Points accrued can be used for redemption offered by AEON Bonus Point Program
Birthday Offer
- Participate in the mini game “AEON FantasCake Birthday Party” during birth month to battle for a grand prize of HK$10,000 Spending Credit & other amazing rewards
Perpetual Annual Fee Waiver
Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.
10% discount offer cannot be used in conjunction with SPCA Member Discount

Terms and conditions apply, subject to AEON’s website. For the latest details, please refer to AEON’s website.

Cashback

AEON SPCA Mastercard (Puppy)

Min. Age

18 years old

Min. Annual Income

No Requirement

Annual Fee

Perpetual Annual Fee Waiver

MoneyHero's take

Local spending rebate
Online shopping rebate
Overseas rebate
Annual Fee waiver

Card Details

Repayment Details

Minimum Payment: -

Late Payment Charge: -

Interest Free Period: 52 Days

Fees

Annual Fee: Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee: 0 %

Eligibility

Minimum Annual Income: No Requirement

Minimum Age: 18 years old

Key Features

AEON will donate 0.1% of all credit purchase amount transacted through AEON SPCA Mastercard® to SPCA.

Enjoy 10% discount in SPCA shops including varieties of pet food and pet care products.
Day Day Spend & Rewards @ Local/Overseas/Online Spending

Spend with your AEON Card every day in local, online and travelling to earn up to HK$1,250 cash rebate.
- Accumulated Spending Amount of Each Phase HK$7,000 or above, earn HK$120 Cash Rebate (Total up to HK480 Cash Rebate in 4 Phases)
- Extra Rewards 1: Fulfilled spending requirement for 4 spending phases and accumulated spending of HK$55,000 during the whole Spending Period to earn extra HK$620 Cash Rebate
- Extra Rewards 2: Fulfilled Extra Rewards 1 spending requirement and in which accumulated Overseas Retail Spending (Overseas retail transaction settled by foreign currency) of HK$20,000 to earn extra HK$150 Cash Rebate

AEON Bonus Points Program
- Every HK$1 spent on credit purchase entitled 2 bonus point. (25,000 bonus points can redeem HK$100 cash coupon, which equals to 0.8% rebate)

Points accrued can be used for redemption offered by AEON Bonus Point Program
Birthday Offer
- Participate in the mini game “AEON FantasCake Birthday Party” during birth month to battle for a grand prize of HK$10,000 Spending Credit & other amazing rewards
Perpetual Annual Fee Waiver
Welcome offer is only applicable to new customer.
New customer shall mean applicant who applies for the Credit Card has not held any valid AEON Credit Card in the past 12 months (including not yet activated credit card). AEON Credit Card means the credit cards and cobrand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”). The application records of AEON shall prevail.
10% discount offer cannot be used in conjunction with SPCA Member Discount

Terms and conditions apply, subject to AEON’s website. For the latest details, please refer to AEON’s website.

Mainland Transaction Up to 8%

BOC Go UnionPay Diamond Card

Designated Go Merchants

Up to 5 % Cash Rebate

Mainland Transaction

Up to 8 %

Local Transaction

Up to 4 %

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Designated Go merchants Cash Rebate
Mobile Payment Rebate
Oversea Spending Rebate
Dual Currency
0% Handling Fee of Mainland Transactions

Card Details

Repayment Details

Late Payment Charge: 5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)

Interest Free Period: 56 Days

Fees

Annual Fee: HK$3,800

Foreign Currency Transaction Fee: 1 %

Eligibility

Min. Annual Income: HK$300,000

Key Features

Up to 5% cash rebate on spending at designated Go merchants
- Designated Go merchants include: Keeta, Meituan, Dianping, High-Speed Rail (only applicable at ticket counters and vending machines at Hong Kong West Kowloon Station), DiDi, JD(Link the BOC Go Card for payment) , Wellcome, Market Place, Oliver‘s the Delicatessen & 3hreesixty’s (not applicable to self-checkout and online store channel)
- Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
- Monthly rebate cap of HK$100
Up to 20X points rebate on designated mobile payments
- Eligible via BoC Pay+, QuickPass APP, Apple Pay, Samsung Pay and Huawei Pay
- BOC Go UnionPay Diamond Card:
  - Mainland: Up to 20X Gift Points (equivalent to 8% rebate)
  - Local: Up to 10X Gift Points (equivalent to 4% rebate)
  - Oversea: Up to 3X Gift Points (equivalent to 1.2% rebate)
- Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
- Monthly points rebate cap of 25,000 points
Up to 2X points rebate on overseas spending (not applicable to RMB transactions)
- No cap on points rebate
0% handling fee of mainland transactions
Points can be redeemed for cash rebate or mileage rewards
Primary card enjoys first-year annual fee waiver (will be waived for holding BOCHK savings or current account in single account /joint account); supplementary cards are fee-exempt
Other important notes
- Applicants who are existing primary cardholders of BOC HKD credit cards and/or BOC dual-currency credit cards (excluding supplementary cards, business cards, Intown online credit cards, USD cards, BOC credit cards issued in Macau, and private client cards), or who have cancelled or held the aforementioned cards within 12 months prior to the application date, will not be eligible for the welcome offer for the primary card even if the application is approved.
- Spending points awarded to customers cannot be exchanged for cash, converted into other gifts, transferred, or used for resale purposes.
- Subject to terms and conditions. Please refer to https://www.bochk.com/dam/boccreditcard/gocard/eng/index615.html

Mainland Transaction Up to 4%

BOC Go UnionPay Platinum Card

Designated Go Merchants

Up to 5 % Cash Rebate

Mainland Transaction

Up to 4 %

Local Transaction

Up to 2 %

Bank Gift - On Top of MoneyHero's

You’ll also receive the following welcome gift(s) directly from the bank

MoneyHero's take

Designated Go merchants Cash Rebate
Mobile Payment Rebate
Oversea Spending Rebate
Dual Currency
0% Handling Fee of Mainland Transactions

Card Details

Repayment Details

Late Payment Charge: 5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)

Interest Free Period: 56 Days

Fees

Annual Fee: HK$1,600

Foreign Currency Transaction Fee: 1 %

Eligibility

Min. Annual Income: HK$150,000

Key Features

Up to 5% cash rebate on spending at designated Go merchants
- Designated Go merchants include: Keeta, Meituan, Dianping, High-Speed Rail (only applicable at ticket counters and vending machines at Hong Kong West Kowloon Station), DiDi, JD(Link the BOC Go Card for payment) , Wellcome, Market Place, Oliver‘s the Delicatessen & 3hreesixty’s (not applicable to self-checkout and online store channel)
- Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
- Monthly rebate cap of HK$100
Up to 10X points rebate on designated mobile payments
- Eligible via BoC Pay+, QuickPass APP, Apple Pay, Samsung Pay and Huawei Pay
- BOC Go UnionPay Platinum Card:
  - Mainland: Up to 10X Gift Points (equivalent to 4% rebate)
  - Local: Up to 5X Gift Points (equivalent to 2% rebate)
  - Oversea: Up to 2X Gift Points (equivalent to 0.8% rebate)
- Requires accumulated spending of HK$1,500 per month (The spending requirement will be waived till 30 June 2026)
- Monthly points rebate cap of 25,000 points
Up to 2X points rebate on overseas spending (not applicable to RMB transactions)
- No cap on points rebate
0% handling fee of mainland transactions
Points can be redeemed for cash rebate or mileage rewards
Primary card enjoys first-year annual fee waiver (will be waived for holding BOCHK savings or current account in single account /joint account); supplementary cards are fee-exempt
Other important notes
- Applicants who are existing primary cardholders of BOC HKD credit cards and/or BOC dual-currency credit cards (excluding supplementary cards, business cards, Intown online credit cards, USD cards, BOC credit cards issued in Macau, and private client cards), or who have cancelled or held the aforementioned cards within 12 months prior to the application date, will not be eligible for the welcome offer for the primary card even if the application is approved.
- Spending points awarded to customers cannot be exchanged for cash, converted into other gifts, transferred, or used for resale purposes.
- Subject to terms and conditions. Please refer to https://www.bochk.com/dam/boccreditcard/gocard/eng/index615.html

Compare All Credit Cards in Hong Kong

MoneyHero helps you compare over 60 credit cards across major Hong Kong banks. Easily find the card that best matches your lifestyle, from cashback to air miles, dining, online shopping, and Octopus auto reload.

Why Compare Credit Cards with MoneyHero?

View cashback, miles, and rewards side by side
Check annual fees, welcome offers, and exclusive promotions
Apply online quickly and securely

Popular Types of Credit Cards in Hong Kong

Cashback Credit Cards – Earn money back on daily spending.
Air Miles Credit Cards – Convert your spending into travel miles.
Octopus Credit Cards (AAVS) – Enjoy rewards on automatic top-ups.
Dining Credit Cards – Save more when you eat out.
Online Shopping Credit Cards – Perfect for e-commerce and subscriptions.
Student Credit Cards – Designed for young applicants with no income requirement.
Business Credit Cards – Manage company expenses efficiently.

Cashback Credit Cards

Air Miles Credit Cards

Octopus Credit Cards (AAVS)

Dining Credit Cards

Online Shopping Credit Cards

Student Credit Cards

Earn money back on daily spending.

Hong Kong Credit Card FAQ

Which credit card gives the best cashback in Hong Kong?
Cashback rates vary by bank. Some cards offer 1–2% on daily spending, while premium cards may provide higher returns with caps.
Can I earn air miles with a Hong Kong credit card?
Yes. Air miles cards let you earn Asia Miles, Avios, or KrisFlyer miles for every dollar spent.
Do Octopus top-ups earn cashback or miles?
Some credit cards reward Octopus Automatic Add Value (AAVS) or mobile wallet top-ups, but the rates are usually lower than standard spending.
How can I waive my annual credit card fee?
Many banks waive annual fees for the first year or with a minimum spending requirement.
Can students apply for a credit card in Hong Kong?
Yes. Student credit cards are available without income proof, usually with lower credit limits.
How many credit cards can I apply for at the same time?
There’s no strict limit, but banks assess your income, existing debts, and repayment ability before approval.

Spending Categories	RMB or UnionPay App Spending	Single spending of CNY4,000
Cash Rebate Offer	4%	Extra 6%
Maximum Cash Rebate per month	HK$150	HK$250

Dah Sing United MileagePlus World Mastercard	Conversion
Local spending	HK$8 = 1 mile
Spending at designated merchants	HK$6 = 1 mile
United Airlines and overseas spending	HK$5 = 1 mile

Compare All Credit Cards in Hong Kong 2026 | MoneyHero

「Summary Products」

Cashback

Airmiles

Cashback

Airmiles

Cashback

Cashback

Cashback

Cashback

Airmiles

Cashback

Cashback

Airmiles

Cashback

Airmiles

Cashback

Airmiles

Airmiles

CashBack Credit Card

Cashback

Cashback

Cashback

Cashback

Cashback

Cashback

Cashback

Cashback

Octopus Top Up Rebate

Cashback

Cashback

Cashback

Up to 8X Reward Points

Cashback

Cashback

Cashback

Cashback

Up to 10X Reward Points

Airmiles

Airmiles

Airmiles

Cashback

Cashback

Cashback

Cashback

Cashback

Cashback

Cashback

Student

Student

Airmiles Rebate

Octopus

Airmiles

Airmiles

Transportation

Airmiles

Airmiles

Cashback

Cashback

Cashback

Cashback

Cashback

Airmiles

Cashback

Cashback

Mainland Transaction Up to 8%

Mainland Transaction Up to 4%

Compare All Credit Cards in Hong Kong

Why Compare Credit Cards with MoneyHero?

Popular Types of Credit Cards in Hong Kong

Hong Kong Credit Card FAQ