#All Card

HSBC UnionPay Dual Currency Card

Updated: 6 Aug 2026
Cashback
HSBC UnionPay Dual Currency Card
Apply Now
Airmiles Local
$4.17per mile
Cashback Local
2.4%
Airmiles Overseas
$2.27per mile
Cashback Overseas
2.4%
Supported Payment Network:

Offers

MoneyHero Reward up to HK$1,798

Apply through MoneyHero and choose from 8 premium rewards
Limited time only
gift logo

Worth HK$998

Limited time only
gift logo

Worth HK$399

Limited time only
gift logo

Worth HK$398

Limited time only
gift logo

Worth HK$315

Limited time only
gift logo

Worth HK$249

Limited time only
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Worth HK$600

Limited time only
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Existing credit card customers can receive $200 RewardCash

gift logo

Worth HK$200

MoneyHero Exclusive Welcome Gift
  • OTO S-GUN Wireless Massage Gun (SG-300) (valued at HK$998)
  • KODAK EKTAR H35 Half Frame Camera (valued at HK$399)
  • Founist Vlogmate Mini Magnetic Selfie Camera (valued at HK$398)
  • Stanley 30oz The Quencher H2.0 Flowstate™ Tumbler (valued at HK$315)
  • Apple AirTag (Gen 2) x 1 pcs (valued at HK$249)

HSBC Welcome Offer
  • New credit card customers can receive $600 RewardCash
  • Existing credit card customers can receive $200 RewardCash

HSBC Credit Card - Welcome Offer
  • New credit card customers successful application for the Cash Instalment Plan can enjoy a $200 RewardCash

Highlights

Things to Consider

Overseas rebate
Dining discount
Airport lounge

  • 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!

Benefits

Cashback Local
2.4 %
Cashback Overseas
2.4 %
Cashback Dining
2.4 %
Cashback Overseas Online Shopping
2.4 %

Airmiles Local
$ 4.17 per mile
Airmiles Overseas
$ 2.27 per mile
Airmiles Dining
$ 4.17 per mile
Airmiles Overseas Online Shopping
$ 4.17 per mile

Fees & Charges

Annual Fee
HK$ 300
Foreign Currency Transaction Fee
1 %

Late Payment Charge
Minimum payment or HK$300 whichever is lower

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$ 60,000

View more HSBC credit cards

HSBC EveryMile Credit Card
HSBCHSBC EveryMile Credit Card
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HSBC Visa Signature Card
HSBCHSBC Visa Signature Card
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HSBC Red Credit Card
HSBCHSBC Red Credit Card
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Card Benefit
$2 - 12.5 per mile
0.04 - 3.6 % cashback
0.4 - 4 % cashback
Cashback Local
1 %
3.6 %
Up to 8 %
Cashback Overseas
1 %
3.6 %
1 %
Annual Fee Waiver
First year
First 2 years
Perpetual annual fee waiver