訂閱電郵
你訂閱咗未?立即輸入電郵!
你將會獲得:
✅最新優惠(包括限時獨家優惠)
✅定期追蹤貸款產品消息
✅理財小tips

本人同意 條款及細則 以及同意按 私隱政策 接受推廣資訊。

同意訂閱
訂閱成功!準備隨時接收精彩理財熱話與金融產品優惠!
All Type
chevron_left
chevron_right

Compare All Credit Cards in Hong Kong 2024

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! 

See Moreexpand_more
SPONSORED
Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

Annual Fee Waiver
First year
Airmiles Dining
$ 4  per mile
info
Airmiles Local Online Shopping
$ 4  per mile
info
Airmiles Overseas
$ 4  per mile
info

3 Offers Available

MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

20 March 2024

MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Welcome Offer - Up to 60,000 Miles
60,000 Miles
60,000 Miles

Valid until

02 April 2024

Things to consider for this product:

check

Welcome offer: Air miles

remove

Air miles conversion

remove

Hotel bookings offer

remove

Overseas rebate

SPONSORED
Hang Seng MMPOWER World Mastercard®

Hang Seng MMPOWER World Mastercard®

Cashback Overseas
6  %
info
Cashback Local Online Shopping
5  %
info
Cashback Local
5  %
info

3 Offers Available

MoneyHero Exclusive Offer (New to Bank Customer)
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color)
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer (Existing Customer)
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998)
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998)

+ 3 other gift options

Valid until

02 April 2024

Welcome Offer - Up to $700 +FUN Dollars
New Customer:$700 +FUN Dollars
New Customer:$700 +FUN Dollars

+ 1 other gift options

Valid until

30 June 2024

Things to consider for this product:

check

Local spending rebate

check

Online Spending

check

Overseas rebate

check

No Annual Fee

SPONSORED
American Express Explorer® Credit Card

American Express Explorer® Credit Card

Airmiles Travel
as low as $ 2  per mile
info
Airmiles Online Food Delivery
$ 3.6  per mile
info
Airport Lounge Access
8  times
info
Airmiles Dining
$ 3.6  per mile
info

3 Offers Available

MoneyHero Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 4 other gift options

Valid until

22 March 2024

Welcome Offer 2: Foreign Currencies and Local Spending Bonus
Up to 1,152,000 points (equals to 64,000 Air Miles)
Up to 1,152,000 points (equals to 64,000 Air Miles)

Valid until

31 March 2024

Welcome Offer 1: Up to 7,000 Air Miles
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)

Valid until

31 March 2024

Things to consider for this product:

check

Conciege Service

check

Airport lounge

check

Travel insurance

check

Purchase protection

Hang Seng Prestige World Mastercard

Hang Seng Prestige World Mastercard

Things to consider for this product:

check

Conciege Service

check

Fine dining

check

Airport lounge

check

No Annual Fee

American Express Gold Corporate Card

American Express Gold Corporate Card

MUJI Visa Platinum Card

MUJI Visa Platinum Card

Cashback Local
5  %
Annual Fee Waiver
Perpetual
Foreign Currency Transaction Fee
1.95  %
Min. Annual Income
$ 150,000

3 Offers Available

MoneyHero Exclusive Offer (New to Card Customer)
New to Card Customer:BRUNO BOE065-WH Multi Grill Pot (valued at HK$1,098; random color)
New to Card Customer:BRUNO BOE065-WH Multi Grill Pot (valued at HK$1,098; random color)

+ 3 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer (Existing Customer)
Existing Credit Card customer:HK$600 Apple Gift Card
Existing Credit Card customer:HK$600 Apple Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer - Up to $400 MUJI Dollars
New Customer:$400 MUJI Dollars
New Customer:$400 MUJI Dollars

+ 1 other gift options

Valid until

30 June 2024

Things to consider for this product:

check

Local spending rebate

check

No Annual Fee

Standard Chartered Cathay Mastercard

Standard Chartered Cathay Mastercard

Annual Fee
HK$ 2,000
info
Airmiles Dining
$ 4  per mile
info
Airmiles Local Online Shopping
$ 4  per mile
info
Airmiles Overseas
$ 4  per mile
info

3 Offers Available

MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

20 March 2024

MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Welcome Offer - Up to 60,000 Miles
60,000 Miles
60,000 Miles

Valid until

02 April 2024

Things to consider for this product:

check

Welcome offer: Air miles

remove

Air miles conversion

remove

Hotel bookings offer

remove

Overseas rebate

sim Credit Card

sim Credit Card

Annual Fee
HK$ 800
info
Cashback Local
Up to 3  %
info
Annual Fee Waiver
First year
Cashback Local Online Shopping
8  %
info

3 Offers Available

MoneyHero Exclusive Offer
HK$500 Apple Store Gift Card
HK$500 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Welcome gift - HK$500 Apple Store Gift Card / HKTVmall e-coupon / Matsukiyo Cash Voucher
HK$500 Apple Store Gift Card
HK$500 Apple Store Gift Card

+ 2 other gift options

Valid until

02 April 2024

3 Hour Time-limited Offer
HK$50 Cash Rebate
HK$50 Cash Rebate

Valid until

02 April 2024

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Cashback Local
5  %
info
Annual Fee Waiver
Perpetual Annual Fee Waiver
Interest on installment plans
0  %
info
Foreign Currency Transaction Fee
1.95  %

3 Offers Available

MoneyHero Exclusive Offer
HK$1,200 Apple Store Gift Card
HK$1,200 Apple Store Gift Card

+ 3 other gift options

Valid until

02 April 2024

Welcome Offer
HK$1,200 Cash Rebate
HK$1,200 Cash Rebate

+ 1 other gift options

Valid until

03 April 2024

MoneyHero x Deliveroo
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon

Valid until

02 April 2024

Things to consider for this product:

check

Installment

check

No foreign txn fee

check

Local spending rebate

check

Annual Fee waiver

sim World Mastercard®️

sim World Mastercard®️

Annual Fee
HK$ 1,800
info
Cashback Local
Up to 3  %
info
Annual Fee Waiver
First year
Cashback Local Online Shopping
8  %
info

3 Offers Available

MoneyHero Exclusive Offer
HK$500 Apple Store Gift Card
HK$500 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Welcome gift - HK$1,000 Apple Store Gift Card / HKTVmall e-coupon / Matsukiyo Cash Voucher
HK$1,000 Apple Store Gift Card
HK$1,000 Apple Store Gift Card

+ 2 other gift options

Valid until

02 April 2024

3 Hour Time-limited Offer
HK$50 Cash Rebate
HK$50 Cash Rebate

Valid until

02 April 2024

CNCBI Motion Credit Card

CNCBI Motion Credit Card

Cashback Overseas
10  %
info
Cashback Overseas Online Shopping
6  %
info
Cashback Local Online Shopping
6  %
info
Cashback Dining
6  %
info

2 Offers Available

MoneyHero Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 5 other gift options

Valid until

02 April 2024

Welcome Offer
10% Cash Rebate on spending in foreign currencies
10% Cash Rebate on spending in foreign currencies

+ 1 other gift options

Valid until

02 April 2024

Things to consider for this product:

check

Dining rebate

check

Online shopping rebate

check

No foreign txn fee

check

Annual Fee waiver

PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

Interest on installment plans
0  %
info
Cashback Overseas
2  %
info
Cashback Local Online Shopping
2  %
info
Cashback Local
2  %
info

4 Offers Available

MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card
Existing Customer: HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
OTO Vanda 2.0 (VN-05)
OTO Vanda 2.0 (VN-05)

+ 4 other gift options

Valid until

31 December 2024

Buyandship x PrimeCredit Spending Promotion
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)

+ 1 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Foreign txn rebate

check

Travel agency offer

check

Installment

check

No foreign txn fee

AEON CARD WAKUWAKU

AEON CARD WAKUWAKU

Cashback Local Online Shopping
6  %
info
Cashback Overseas
3  %
info
Cashback Dining
1  %
info
Foreign Currency Transaction Fee
$ 0
info

3 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

02 April 2024

Welcome Offer 1
Up to HK$500 Cash Rebate
Up to HK$500 Cash Rebate

Valid until

30 April 2024

Welcome Offer 2
up to HK$200 Cash Rebate
up to HK$200 Cash Rebate

Valid until

30 April 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Overseas rebate

check

Supermarket discount

check

No foreign txn fee

DBS Live Fresh Tertiary Student Card

DBS Live Fresh Tertiary Student Card

Annual Fee Waiver
First year
Cashback Local
5.4  %
info
Cashback Overseas
0.4  %
Cashback Overseas Online Shopping
6  %

3 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

02 April 2024

DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
HK$50 InstaRedeem Discount

Valid until

02 April 2024

Welcome Offer
Up to HK$300 Rewards
Up to HK$300 Rewards

Valid until

02 April 2024

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Local spending rebate

check

Annual Fee waiver

Hang Seng enJoy Card

Hang Seng enJoy Card

Cashback Local
2  %
info
Cashback Dining
2  %
info
Annual Fee Waiver
Perpetual Annual Fee Waiver
Cashback Supermarket
1.5  %
info

Offer Available

Welcome Offer - Worth up to 120,000 yuu Points
120,000 yuu Points (for new credit card customers)
120,000 yuu Points (for new credit card customers)

+ 1 other gift options

Valid until

30 June 2024

Things to consider for this product:

check

Local spending rebate

check

Dining rebate

check

Supermarket rebate

check

No Annual Fee

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

4 Offers Available

HSBC Welcome Offer
$800 RewardCash
$800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

QR Code Payment Promotion
$100 RewardCash
Extra $100 RewardCash

Valid until

30 June 2024

CNY Extra Welcome Offer
$288 RewardCash
Extra $288 RewardCash

Valid until

31 March 2024

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

AEON Card JAL MasterCard

AEON Card JAL MasterCard

Airmiles Overseas
$ 6  per mile
info
Airmiles Local
HK$ 8  per mile
Minimum Annual Income
No Minimum

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Airport lounge

check

Supermarket discount

check

No foreign txn fee

Standard Chartered Cathay Mastercard - Priority Banking

Standard Chartered Cathay Mastercard - Priority Banking

Airmiles Dining
$ 4  per mile
info
Airport Lounge Access
4  times
info
Airmiles Local Online Shopping
$ 4  per mile
info
Airmiles Overseas
$ 4  per mile
info

3 Offers Available

MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

20 March 2024

MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Welcome Offer - Up to 80,000 Miles
80,000 miles
80,000 miles

Valid until

03 April 2024

Things to consider for this product:

check

Welcome offer: Air miles

check

Priority Pass

check

Airport lounge

check

Air miles conversion

Standard Chartered Cathay Mastercard - Priority Private

Standard Chartered Cathay Mastercard - Priority Private

Cashback Dining
Not Applicable
Cashback Local Online Shopping
Not Applicable
Airmiles Overseas
$ 4  per mile
info
Airport Lounge Access
8  times
info

3 Offers Available

MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

20 March 2024

MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Welcome Offer - Up to 100,000 Miles
100,000 miles
100,000 miles

Valid until

03 April 2024

Things to consider for this product:

check

Welcome offer: Air miles

check

Airport lounge

check

Air ticket rebate

check

Air miles conversion

American Express IT Cashback Card

American Express IT Cashback Card

Citi Prestige Card

Citi Prestige Card

Airmiles Overseas
$ 4  per mile
info
Airmiles Local
$ 6  per mile
info
Air Miles Conversion Fee
Waived
Annual Fee
HK$ 3,800

2 Offers Available

MoneyHero Time-Limited Exclusive Offer
DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780; random color)
DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780; random color)

+ 3 other gift options

Valid until

02 April 2024

Extra Welcome Offer
30,000 Miles (360,000 Points)
30,000 Miles (360,000 Points)

Valid until

02 April 2024

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Hotel bookings offer

check

Overseas rebate

AEON SPCA Mastercard (Puppy)

AEON SPCA Mastercard (Puppy)

Minimum Annual Income
No Minimum
Minimum Age
18  years old
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Things to consider for this product:

check

Local spending rebate

check

Online shopping rebate

check

Overseas rebate

check

Annual Fee waiver

American Express Explorer® Credit Card

American Express Explorer® Credit Card

Airmiles Travel
as low as $ 2  per mile
info
Airmiles Online Food Delivery
$ 3.6  per mile
info
Airport Lounge Access
8  times
info
Airmiles Dining
$ 3.6  per mile
info

3 Offers Available

MoneyHero Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 4 other gift options

Valid until

22 March 2024

Welcome Offer 2: Foreign Currencies and Local Spending Bonus
Up to 1,152,000 points (equals to 64,000 Air Miles)
Up to 1,152,000 points (equals to 64,000 Air Miles)

Valid until

31 March 2024

Welcome Offer 1: Up to 7,000 Air Miles
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)

Valid until

31 March 2024

Things to consider for this product:

check

Conciege Service

check

Airport lounge

check

Travel insurance

check

Purchase protection

American Express® Gold Business Card

American Express® Gold Business Card

Airport Lounge Access
2  times
Airmiles Overseas
$ 9  per mile
Min. Annual Income
HK$ 200,000
Annual Fee
$ 980

3 Offers Available

Welcome Offer
Rewards up to HK$2,800 with first year annual fee waiver
Rewards up to HK$2,800 with first year annual fee waiver

Valid until

31 March 2024

Wellcome Offer
The Executive Centre 1-day access pass (3 per calendar year)
The Executive Centre 1-day access pass (3 per calendar year)

Valid until

31 December 2024

Wellcome Offer
20% off on standard rates for Meeting Room and Event Space bookings
20% off on standard rates for Meeting Room and Event Space bookings

Valid until

31 December 2024

Things to consider for this product:

check

Travel insurance

check

Local spending rebate

check

Travel agency offer

check

Airport lounge

DBS Black World Mastercard®

DBS Black World Mastercard®

Annual Fee Waiver
One year
Airport Lounge Access
Yes
info
Airmiles Overseas
$ 4  per mile
Airmiles Local
$ 3  per mile
info

3 Offers Available

MoneyHero Exclusive Offer - HK$500 Wellcome Supermarket Voucher
HK$500 Wellcome Shopping Voucher
HK$500 Wellcome Shopping Voucher

Valid until

02 April 2024

DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
HK$50 InstaRedeem Discount

Valid until

02 April 2024

DBS Extra Miles Welcome Offer
up to 42,000 Miles
up to 42,000 Miles

Valid until

02 April 2024

Things to consider for this product:

check

Travel agency offer

check

Welcome offer: Air miles

check

Air miles conversion

check

No expiry air miles

HSBC EveryMile Credit Card

HSBC EveryMile Credit Card

Complimentary Travel Insurance
Yes
info
Airport Lounge Access
6  times
info
Airmiles Overseas
$ 5  per mile
Airmiles Local
$ 5  per mile

3 Offers Available

HSBC Welcome Offer
$800 RewardCash
$800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Time-limited offer
$300 RewardCash
Extra $300 RewardCash

Valid until

30 April 2024

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Hotel bookings offer

check

Airport lounge

check

Travel agency offer

check

Travel insurance

AEON Visa Credit Card

AEON Visa Credit Card

Cashback Department Store
5  %
info
Foreign Currency Transaction Fee
0  %
info
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Local spending rebate

check

Overseas rebate

check

No foreign txn fee

Mox Credit

Mox Credit

Annual Fee Waiver
Perpetual
Cashback Online Food Delivery
3  %
info
Cashback Overseas
2  %
info
Cashback Supermarket
3  %
info

6 Offers Available

MoneyHero Limited-Time Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 5 other gift options

Valid until

31 March 2024

Mox Bank X Trip.com Promotion
TRIP.COM Hotel Booking 9% Discount
TRIP.COM Hotel Booking 9% Discount

+ 1 other gift options

Valid until

31 December 2024

Mox Invest - Up to HK$1,000 Cash Rewards
HK$800 Cash Reward (accumulate a trading amount of HK$50,000)
HK$800 Cash Reward (accumulate a trading amount of HK$50,000)

+ 1 other gift options

Valid until

30 April 2024

Welcome Offer: Up to 4.5% p.a. saving rate
Up to 4.5% p.a.
Up to 4.5% p.a.

Valid until

31 March 2024

Mox Bank Welcome Offer - up to HK$800 Cash Rewards with Mox
HK$800 Reward cash
HK$800 Reward cash

Valid until

31 March 2024

MoneyHero x Deliveroo
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon
6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon

Valid until

02 April 2024

Things to consider for this product:

check

Supermarket rebate

check

Uber/ Taxi offer

check

Food delivery

check

Unlimited rebate

HSBC Business Mastercard®

HSBC Business Mastercard®

AEON UnionPay Credit Card

AEON UnionPay Credit Card

Cashback Department Store
5  %
info
Foreign Currency Transaction Fee
0  %
info
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Things to consider for this product:

check

Welcome offer: Rebate

check

Local spending rebate

check

Overseas rebate

check

No foreign txn fee

DBS COMPASS VISA

DBS COMPASS VISA

Cashback Local Online Shopping
3  %
info
Cashback Overseas
0.4  %
info
Cashback Local
1  %
info
Cashback Supermarket
10  %
info

3 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

02 April 2024

DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
HK$50 InstaRedeem Discount

Valid until

02 April 2024

DBS COMPASS VISA Welcome Offer
Up to HK$400 Rewards
Up to HK$400 Rewards

Valid until

02 April 2024

Things to consider for this product:

check

Supermarket rebate

check

Online shopping rebate

check

Local spending rebate

check

Annual Fee waiver

Blue Cash® Credit Card from American Express

Blue Cash® Credit Card from American Express

Fubon YATA X KUMAMON Visa Platinum Card

Fubon YATA X KUMAMON Visa Platinum Card

Things to consider for this product:

check

Nice card face

check

Annual Fee waiver

check

Overseas rebate

check

Retail rebate

“YATA X KUMAMOTO” • Titanium Card

“YATA X KUMAMOTO” • Titanium Card

The Platinum Card®

The Platinum Card®

Min. Annual Income
None
Cashback Local
0.67  %
info
Cashback Overseas
1  %
info
Airmiles Overseas
$ 4.5  per mile
info

Offer Available

MoneyHero Limited-Time Exclusive Offer
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190)
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190)

+ 3 other gift options

Valid until

02 April 2024

Things to consider for this product:

check

Travel insurance

check

Dining discount

check

Airport lounge

check

Travel agency offer

AEON SPCA Mastercard (Kitten)

AEON SPCA Mastercard (Kitten)

Minimum Annual Income
No Minimum
Minimum Age
18  years old
Annual Fee
Perpetual Annual Fee Waiver

Offer Available

MoneyHero Exclusive Offer
HK$100 Wellcome Shopping Voucher
HK$100 Wellcome Shopping Voucher

Valid until

02 April 2024

Things to consider for this product:

check

Local spending rebate

check

Online shopping rebate

check

Overseas rebate

check

Annual Fee waiver

DBS Live Fresh Card

DBS Live Fresh Card

Annual Fee Waiver
First year
Cashback Local
5.4  %
info
Cashback Overseas
0.4  %
Cashback Overseas Online Shopping
6  %

3 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

02 April 2024

DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
HK$50 InstaRedeem Discount

Valid until

02 April 2024

Welcome Offer
Up to HK$500 Rewards
Up to HK$500 Rewards

Valid until

02 April 2024

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Local spending rebate

check

Annual Fee waiver

DBS Eminent Visa Platinum Card

DBS Eminent Visa Platinum Card

Annual Fee Waiver
First year
Cashback Overseas
2  %
info
Cashback Local
5  %
info
Cashback Dining
5  %
info

3 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

02 April 2024

DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
HK$50 InstaRedeem Discount

Valid until

02 April 2024

Welcome Offer
Up to HK$600 Rewards
Up to HK$600 Rewards

Valid until

02 April 2024

Things to consider for this product:

check

Dining rebate

check

Online shopping rebate

check

Annual Fee waiver

check

Dining discount

CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

Annual Fee Waiver
First year
Cashback Overseas Online Shopping
10  %
info
Cashback Digital Wallet
4  %
info
Cashback Overseas
10  %

2 Offers Available

MoneyHero Exclusive Offer
Delsey ECLIPSE SE 31
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 5 other gift options

Valid until

02 April 2024

Welcome Offer
10% Cash Rebate on spending in foreign currencies
10% Cash Rebate on spending in foreign currencies

+ 1 other gift options

Valid until

02 April 2024

Things to consider for this product:

check

Overseas rebate

check

Airport lounge

check

Welcome offer: Rebate

check

No foreign txn fee

HSBC Red Credit Card

HSBC Red Credit Card

Annual Fee
Perpetual annual fee waiver
Cashback Overseas
1  %
info
Cashback Supermarket
2  %
info
Cashback Local Online Shopping
4  %
info

Offer Available

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Overseas rebate

check

Cinema ticketing

DBS Eminent Visa Signature Card

DBS Eminent Visa Signature Card

Annual Fee Waiver
First year
Cashback Overseas
2  %
info
Cashback Local
5  %
info
Cashback Dining
5  %
info

3 Offers Available

MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
HK$200 Wellcome Shopping Voucher

Valid until

02 April 2024

DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
HK$50 InstaRedeem Discount

Valid until

02 April 2024

Welcome Offer
Up to HK$600 Rewards
Up to HK$600 Rewards

Valid until

02 April 2024

Things to consider for this product:

check

Dining rebate

check

Online shopping rebate

check

Annual Fee waiver

check

Dining discount

PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

Cashback Local
4  %
info
Cashback Overseas
4  %
info
Foreign Currency Transaction Fee
Waived
Interest on installment plans
0  %
info

4 Offers Available

MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card
Existing Customer: HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
Sony Truly Wireless Headphones LinkBuds S (WF-LS900N)
Sony Truly Wireless Headphones LinkBuds S (WF-LS900N)

+ 5 other gift options

Valid until

31 March 2024

Buyandship x PrimeCredit Spending Promotion
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)

+ 1 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel agency offer

check

Foreign txn rebate

check

Cinema ticketing

check

Installment

HSBC Visa Signature Card

HSBC Visa Signature Card

Cashback Dining
3.6  %
info
Annual Fee Waiver
First 2 years
Cashback Local
3.6  %
info
Cashback Overseas
3.6  %
info

3 Offers Available

HSBC Welcome Offer
$800 RewardCash
$800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Time-limited offer
$300 RewardCash
Extra $300 RewardCash

Valid until

30 April 2024

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Overseas rebate

check

Dining rebate

check

Cinema ticketing

check

Dining discount

HSBC UnionPay Dual Currency Card

HSBC UnionPay Dual Currency Card

Airmiles Local
$ 4.17  per mile
info
Cashback Local
2.4  %
info
Airmiles Overseas
$ 2.27  per mile
info
Cashback Overseas
4.4  %
info

3 Offers Available

HSBC Welcome Offer
$800 RewardCash
$800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

QR Code Payment Promotion
$100 RewardCash
Extra $100 RewardCash

Valid until

30 June 2024

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Overseas rebate

check

Dining discount

check

Airport lounge

check

Mobile contactless rebate

HSBC Visa Gold Card

HSBC Visa Gold Card

3 Offers Available

HSBC Welcome Offer
$800 RewardCash
$800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Time-limited offer
$300 RewardCash
Extra $300 RewardCash

Valid until

30 April 2024

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Annual Fee waiver

check

Local spending rebate

check

Travel agency offer

check

Overseas rebate

HSBC Visa Platinum Card

HSBC Visa Platinum Card

3 Offers Available

HSBC Welcome Offer
$800 RewardCash
$800 RewardCash

+ 1 other gift options

Valid until

28 February 2025

Time-limited offer
$300 RewardCash
Extra $300 RewardCash

Valid until

30 April 2024

Extra RewardCash for Cash instalment plan
$200 RewardCash
$200 RewardCash

Valid until

31 July 2024

Things to consider for this product:

check

Annual Fee waiver

check

Local spending rebate

check

Supermarket rebate

check

Overseas rebate

PrimeCredit WeWa UnionPay Card for University Student

PrimeCredit WeWa UnionPay Card for University Student

Min. Annual Income
No Minimum
Cashback Local
4  %
Airmiles Local
Not Applicable
Annual Fee Waiver
First 5 years

4 Offers Available

MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card
Existing Customer: HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
Sony Truly Wireless Headphones LinkBuds S (WF-LS900N)
Sony Truly Wireless Headphones LinkBuds S (WF-LS900N)

+ 5 other gift options

Valid until

31 March 2024

Buyandship x PrimeCredit Spending Promotion
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)

+ 1 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel agency offer

check

Foreign txn rebate

check

Cinema ticketing

check

Installment

PrimeCredit EarnMORE UnionPay Card for University Student

PrimeCredit EarnMORE UnionPay Card for University Student

Min. Annual Income
No Minimum
Cashback Local
2  %
Airmiles Local
Not Applicable
Annual Fee Waiver
First 5 years

4 Offers Available

MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card
Existing Customer: HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
OTO Vanda 2.0 (VN-05)
OTO Vanda 2.0 (VN-05)

+ 4 other gift options

Valid until

31 December 2024

Buyandship x PrimeCredit Spending Promotion
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)
Shipping Fee Up to 10% Cash Rebate (maximum of HK$100)

+ 1 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Foreign txn rebate

check

Travel agency offer

check

Installment

check

No foreign txn fee

American Express® Platinum Credit Card

American Express® Platinum Credit Card

Airmiles Dining
$ 5  per mile
info
Annual Fee
HK$ 2,200
Airmiles Local
$ 2.5  per mile
info
Cashback Local
2  %
info

3 Offers Available

MoneyHero Exclusive Offer
HK$2,000 HK Express cash voucher
HK$2,000 HK Express cash voucher

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
Up to HK$2,960 Rewards
Up to HK$2,960 Rewards

Valid until

02 April 2024

Welcome Offer 2
HK$500 city'super cash vouchers
HK$500 city'super cash vouchers

Valid until

31 March 2024

Things to consider for this product:

check

Dining discount

check

Cinema ticketing

check

Travel insurance

check

Hotel bookings offer

Hang Seng MMPOWER World Mastercard®

Hang Seng MMPOWER World Mastercard®

Cashback Overseas
6  %
info
Annual Fee Waiver
Perpetual
Cashback Local Online Shopping
5  %
info
Cashback Local
5  %
info

3 Offers Available

MoneyHero Exclusive Offer (New to Bank Customer)
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color)
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color)

+ 5 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer (Existing Customer)
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998)
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998)

+ 3 other gift options

Valid until

02 April 2024

Welcome Offer - Up to $700 +FUN Dollars
New Customer:$700 +FUN Dollars
New Customer:$700 +FUN Dollars

+ 1 other gift options

Valid until

30 June 2024

Things to consider for this product:

check

Local spending rebate

check

Online Spending

check

Overseas rebate

check

No Annual Fee

The Chinese University of Hong Kong Credit Card

The Chinese University of Hong Kong Credit Card

Q Credit Card

Q Credit Card

Cashback Local
5  %
info
Annual Fee Waiver
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95  %

5 Offers Available

Moneyhero Exclusive Offer
HK$100 Apple Store Gift Card
HK$100 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer - Foreign currency spending:5% CashBack
Foreign currency spending:5% CashBack
Foreign currency spending:5% CashBack

Valid until

31 March 2024

Welcome Offer - Selective Merchant 5% CashBack
Selective Merchant 5% CashBack
Selective Merchant 5% CashBack

Valid until

31 March 2024

Welcome Offer - HK$1,000 AlipayHK Coupons
HK$1,000 AlipayHK Coupons
HK$1,000 AlipayHK Coupons

Valid until

30 June 2024

Welcome Offer - 1% CashBack
1% CashBack
1% CashBack

Valid until

31 March 2024

Things to consider for this product:

check

Installment

check

No foreign txn fee

check

Local spending rebate

check

Annual Fee waiver

Dah Sing United MileagePlus World MasterCard

Dah Sing United MileagePlus World MasterCard

Airmiles Local
HK$ 8  mile
Airmiles Overseas
HK$ 5  mile
info
Airport Lounge Access
1  per quarter
info
Annual Fee Waiver
First 2 years

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer
5,000 Miles
5,000 Miles

Valid until

31 December 2024

Things to consider for this product:

check

Mile Conversion

check

Miles Never Expire

check

Complimentary United Club Access

check

First 2 year annual fee waiver

Dah Sing British Airways Platinum Card

Dah Sing British Airways Platinum Card

Airmiles Local
$ 6  per mile
info
Airmiles Overseas
$ 4  per mile
info
Annual Fee
HK$ 1,800
info

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer
Up to 20,000 Avios airmiles
Up to 20,000 Avios airmiles

Valid until

31 March 2024

Things to consider for this product:

check

Airmiles Local

check

Airmiles Overseas

check

First 2 year annual fee waiver

Dah Sing ANA World Mastercard

Dah Sing ANA World Mastercard

Airmiles Overseas
$ 8  per mile
info
Airmiles Local
$ 8  per mile
info
Annual Fee Waiver
First year

3 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer - Up to 17,000 Miles
Up to 17,000 Miles
Up to 17,000 Miles

Valid until

30 June 2024

Welcome Offer
Overseas Spending $4 = 1 Mile
Overseas Spending $4 = 1 Mile

Valid until

30 June 2024

Things to consider for this product:

check

Overseas rebate

check

Online Spending

check

Local spending rebate

check

First year annual fee waiver

Dah Sing ONE+ Credit Card

Dah Sing ONE+ Credit Card

Cashback Oversea
1  %
info
Cashback Local
1  %
info
Cashback Octopus Top Up Spending
0.5  %
info
Annual Fee
HK$ 1,800
info

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer - HK$500 Cash Rebate
HK$500 Cash Rebate
HK$500 Cash Rebate

Valid until

30 June 2024

Things to consider for this product:

check

Overseas rebate

check

Online Spending

check

Local spending rebate

check

First 2 year annual fee waiver

Dah Sing MyAuto Credit Card

Dah Sing MyAuto Credit Card

Local transportation cashback
8  %
info
Car-related Service Reward Point
8  X Bonus point
Annual fee
$ 1,800
info
Minimum annual income
HK$ 150,000

2 Offers Available

MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
HK$400 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer
Autobot Vmini MAX2 Handheld Vacuum Cleaner (valued at HK$588)
Autobot Vmini MAX2 Handheld Vacuum Cleaner (valued at HK$588)

+ 1 other gift options

Valid until

31 December 2024

Things to consider for this product:

check

First 2 year annual fee waiver

check

Must have for car owners

check

Local spending rebate

check

One time Complimentary Tire Repair & Towing Service

Financial insights at your fingertips

Explore new ways to earn, save, and grow your money for short and long-term goals. Browse the latest analyses, tips and hacks from the MoneyHero team so you can get the most from your dollars!

More Information About Credit Cards

 

What is a credit card?



A credit card is a cashless payment card that allows the cardholder to borrow funds for purchases at merchants and is accepted by the majority of retail outlets, restaurants, hotels, and various online merchants throughout the world. Cardholders must repay the borrowed money, sometimes including interest and charges, either in full by the billing date or over time. Interest is charged on the amount spent, and the borrowing limits are generally based on the cardholder's credit rating. 

 

 

What is a co-branded credit card?


 
Sponsored by two parties with both their logos featured in the card, a co-branded credit card is a card offered in partnership between a retailer or business and a credit card issuing organisation. These co-branded credit cards can be used wherever the associated credit card network, such as Visa,  Mastercard, JCB, Union Pay, or American Express, is accepted. 

 

To issue a co-branded credit card, the merchant or organisation generally partners with a licensed bank that provides the actual credit in Hong Kong. These cards may provide rewards on purchases made with the specific business, serving as incentives to encourage cardholders to become loyal customers. The benefits and perks usually include discounts, shopping points, free delivery, and advance notice of sales, similar to store-specific cards.

 

 

What is a credit card issuer?



A credit card issuer is a financial institution, such as a bank or credit union, that provides cards and credit limits to individuals and businesses, and enables cardholders to pay for goods and services. They act as intermediaries between credit card networks and cardholders, facilitating card issuance.

Credit card issuers not only issue cards but also manage cardholder accounts. This includes processing transactions, sending statements, and handling customer inquiries. 

MoneyHero has also partnered with Hong Kong's biggest and most trusted card issuers.

 

What are credit card networks?



Credit card networks facilitate transactions between merchants and card issuers, creating payment infrastructures and charging interchange fees. Networks determine card acceptance and may also offer partnerships in travel, transportation, dining, and entertainment, providing perks and benefits based on cardholder terms.

There are 5 major credit card networks in Hong Kong - Visa, Mastercard, American Express, UnionPay, and JCB. The banks which issue the credit cards often offer rewards programmes where cardholders can accumulate points, cash back, or air miles on card spending and points are often redeemable for various benefits. 

 

 

What To Consider When Applying For A Credit Card?


When choosing a credit card, it's important to consider your needs and preferences. Take into account factors such as card popularity, available offers, bank reputation, and card classification. Determine the purpose of the card, whether it's for online purchases, holiday expenses, or bill payments. One more factor to consider would be your spending habits. Choose the one that best fits your lifestyle among the curated lists of credit cards made by MoneyHero:

 

Cash Back Credit Cards

Air Miles Credit Cards

Welcome Offers Credit Cards.

Need some help?

No worries, we've got you covered!

What are the annual fees and charges applicable on credit cards?

expand_more

The annual fee, which generally ranges from HK$200 to HK$6,000, depends on the bank and the type of credit card.  Card issuers often offer a one- to three-year annual fee waiver to attract users, and cardholders get their fee waived if they can meet the minimum spend. Some card issuers even advertise credit cards with no annual fee, so please be sure to check the terms before you apply. You can also request an annual fee waiver by calling the card issuer's hotline. 

Other common fees and charges include replacement fees, late charges, over-limit fees, cash advance fees, and foreign transaction fees. In addition to credit card welcome offers, you should also check with your provider to see the fees and charges of your credit card.

Does applying for a credit card affect my credit rating?

expand_more

Yes. Applying for a credit card can temporarily impact your credit score due to hard inquiries and new credit, but the effect is usually minor and your score can quickly rebound with responsible credit management. Payment history is the most important factor in calculating your credit score, so making consistent timely payments can help you build a positive credit history.

To minimise the impact on your credit rating, consider applying for cards that you're likely to be approved for and compare interest rates. Additionally, maintaining a low credit utilisation ratio can help mitigate any negative effects on your credit.

Download the MoneyHero App to access your free credit score and report provided by TransUnion.

 

What specific credit card benefits can I enjoy when applying for a credit card? How can these conditions be met?

expand_more

The specific credit card benefits you can enjoy vary greatly depending on the card you choose. However, certain credit cards may offer exclusive discounts or rewards for specific purchases or activities. Many credit cards offer benefits, such as cash back, air miles, discounts, cash rebates for online shopping, dining offers, and even privileges like airport lounge access and concierge services with a successful application.

Conditions of these discounts and promotions can, again, vary from card to card. Therefore, you should carefully read the terms and conditions of your credit card to check your eligibility. For instance, some promotions may require spending a particular amount within a specific time frame to be eligible for the discount or special offer. Certain promotions may only be available if you are a new customer or have not held a particular credit card in the past 12 months.

What do I need to be eligible for a credit card?

expand_more

Most Hong Kong credit card providers require applicants to be of legal age and a resident of Hong Kong.

You may also need to have stable income and meet minimum salary requirements, which vary according to the type of credit card. Some credit cards allow applicants to qualify for a credit card as long as they have proof of a certain amount of assets. Some credit cards may waive the income requirement for student applicants.

How does a bank determine my credit limit?

expand_more

Banks look at your credit score and income to determine the maximum credit amount they would extend to you. If your application is approved, the credit limit a bank gives you may be lower or higher than what you indicated in your application. If your credit score is satisfactory, banks may give you the maximum credit limit. If you think your limit is too high, you can talk to your provider and ask them to reduce it. Know more about credit score by reading our credit card application guide.

What will be the consequences if you exceed the credit limit on your credit card?

expand_more

There are a number of consequences that may happen if the credit card limit is exceeded, which include declined transactions, over-limit fees, increased interest rates, credit limit reduction, credit score drop, and account closure. It is important that you maintain a low credit utilisation rate to avoid going over the credit limit.

What is the reward redemption status for the promotional campaigns?

expand_more

Thank you for using MoneyHero. If you are looking to check on your reward redemption status, then this is the right place. We have compiled our promotional campaigns and their respective rewards progress so that you can keep track of when you can expect yours. 

Please click on the campaign that you participated in, and you will find the corresponding redemption status. Campaigns are sorted chronologically, be sure to match the correct financial institution, reward, and period of the campaign.

How to find the right financial products for you?

expand_more

MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products for you. Through our comparison engine, you can compare credit cardspersonal loansmortgagesmedical insurancetravel insuranceHK stock accountsUS stock accountspayroll accounts and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.

Do existing customers enjoy the Welcome Offers offered by MoneyHero?

expand_more

For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer from banks or institutions, various terms and conditions apply, subject to different banks and institutions. You may refer to the following:

American Express 
Welcome offers do not apply to current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS 
Current and new customers are eligible for welcome offers. New customers refer to card holders who have not held or cancelled Citibank credit cards in the past 12 months. For more details of welcome offers, please click here.

PrimeCredit 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC 
Current and new customers are eligible for welcome offers. For more details of welcome offers, please click here

BEA 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled BEA credit cards in the past 6 months.

How many types of credit cards in Hong Kong? How should I choose my credit cards?

expand_more

The main types of credit cards in Hong Kong are VISA and MasterCard, followed by American Express and JCB.

In order to choose the best credit card, you can consider the popularity and offers of the card types, and also the reputation of banks, class of the credit cards, etc. Many people own several credit cards to meet different needs nowadays. Also, you can consider your spending habits and choose Cash Back Credit CardsAirmiles Credit CardsDining Credit CardsOnline Shopping Credit CardsPremium Credit CardsCorporate Credit CardsEntry Level / Student Credit CardsUnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

How long does it take to process my credit card application?

expand_more

Banks in Hong Kong such as HSBCHang Seng Bank and Standard Chartered Bank issue different types of credit cards with generous rewards and their eligibility requirements are also different. Hence, the processing time varies depending on the card issuer, but as soon as your application has been approved, it normally takes 7 to 10 working days until you receive your card. Make sure that you submit all the relevant documents so that your application can be processed as quickly as possible.

Can I apply for a credit card if I am self-employed or unemployed?

expand_more

The requirements to get different credit cards may vary and some may even have a minimum income requirement. Of course, applicants with a proper job or have income proof are more likely to be successful with their application, but it does not mean that a self-employed or unemployed person will not able to apply for a credit card.

How to pay my credit card bills?

expand_more

There are many ways to pay credit card bills, the easiest way is to apply for the bank?s autopay service, which will automatically deduct the monthly payment from the bank account on the due date, so that you won't overlook the payment. Other methods that cardholders can choose to pay the bills include PPS, ATM, e-banking, cheque or convenience stores.

How do I qualify for a credit card account?

expand_more

Most Hong Kong credit card providers require applicants to be of legal age and a permanent resident/citizen of Hong Kong.

You would also need to have stable employment and meet minimum salary requirements, which vary according to the type of credit card.

How many credit cards should I own?

expand_more

In the past, most people think we should not own too many credit cards, as it might lead to over-consumption or missing payment. With the development of modern society and more credit card offers, many of us own several credit cards for various purposes, such as one for overseas spending, one for earning Asia Miles, and the other one for monthly instalments.

Please note that if you always pay your credit card bill after the due date while owning many credit cards, your credit score could drop, which is likely to affect your credit card, mortgage and loan application.

How to prevent credit card fraud?

expand_more

To protect yourself from credit card fraud, you should keep your credit card and personal information (including credit card numbers and security code) safe and never disclose your passwords or personal information to anyone. You should also keep record of all credit card transactions and check bank statements regularly. Report any suspicious transactions to your financial institution or bank immediately to avoid financial loss.

What are the common credit card rewards?

expand_more

Credit card rewards come in many forms, the two major incentives are air miles and cash back. Many card issuers have different credit card rewards programs, cardholders can earn reward points for their spending and redeem the points for cash backair milesgift vouchers or free gifts.

Certain banks promote cash back rewards which their credit cards can earn, cardholders can enjoy 1-4% cash rebate for eligible local / overseas spending or shopping online.

If you travel and use your credit card to book flights and hotels frequently, you can earn more air miles using air mile credit cards. You may redeem miles for award flights, hotel stays and other travel offers.

In addition to daily spending, you may also earn rewards by using the Octopus Automatic Add-value Service and paying utilities, tax, tuition and insurance bills with your credit card and redeem reward points, cash back and air miles.

Can I make only the minimum payment on my credit card?

expand_more

Making only the minimum payment is not the best way to pay the bills! If you just make the minimum payment on the credit card, the bank would charge you compound interest, which means you might owe more and more money and carry long-term debt. Cardholders are recommended to assess their repayment ability before using their credit cards, and pay off all outstanding debt as soon as possible.

Confused about credit card terms?

Glossary terms to know for first-time credit card users 

Air milesCashbackCredit scoreMinimum paymentAnnual feeReward Redemption Status (Promotional Campaigns)