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Standard Chartered Simply Cash Visa Card

Standard Chartered Simply Cash Visa Card

MoneyHero Exclusive OfferFeatured Product
Standard Chartered Simply Cash Visa Card
$96,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
[Top-Up Offer till 25 Jan] Up to HK$1,700 welcome rewards (including HK$600 supermarket coupon exclusively from MoneyHero)
New customers enjoy up to HK$400 cash rebate through application for Statement Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
New customers enjoy up to HK$400 cash rebate through application for Statement Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
PrimeCredit EarnMORE UnionPay Card for University Student

PrimeCredit EarnMORE UnionPay Card for University Student

MoneyHero Exclusive OfferFeatured Product
PrimeCredit EarnMORE UnionPay Card for University Student
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
HK$200 Cash Rebate (Exclusive for Student) / Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome offer; plus HK$500 Cash Rewards exclusively from MoneyHero
Up to 3% cash rebate when you spend with the Card during the holiday season; 3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Up to 3% cash rebate when you spend with the Card during the holiday season; 3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Hang Seng MPOWER Card

Hang Seng MPOWER Card

MoneyHero Exclusive Offer
Hang Seng MPOWER Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
Up to 8 MCL Cinemas Movie Tickets + $100 Cash Dollars OR Up to $700 Cash Dollars as welcome gift; plus $200 Cash Dollars exclusively from MoneyHero
Enjoy 5% Cash Dollars rebate on designated transactions
No income requirement for students
Enjoy 5% Cash Dollars rebate on designated transactions
No income requirement for students
PrimeCredit WeWa UnionPay Card for University Student

PrimeCredit WeWa UnionPay Card for University Student

MoneyHero Exclusive Offer
PrimeCredit WeWa UnionPay Card for University Student
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
HK$200 Cash Rebate (Exclusive for Student) / Jabra Wireless Headphones as welcome offer; plus HK$500 cash rewards exclusively from MoneyHero
3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
HSBC Visa Gold Card for Students

HSBC Visa Gold Card for Students

HSBC Visa Gold Card for Students
No Requirement
Min. Annual Income
Enjoy up to extra $400 RewardCash rebate on tuition fee payment
Perpetual annual fee waiver
Enjoy up to extra $400 RewardCash rebate on tuition fee payment
Perpetual annual fee waiver
Hang Seng The Chinese University of Hong Kong Credit Card

Hang Seng The Chinese University of Hong Kong Credit Card

Hang Seng The Chinese University of Hong Kong Credit Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
Perpetual Annual Fee Waiver
No income requirement for students
Perpetual Annual Fee Waiver
No income requirement for students
Hang Seng Hong Kong Baptist University Credit Card

Hang Seng Hong Kong Baptist University Credit Card

Hang Seng Hong Kong Baptist University Credit Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
Perpetual Annual Fee Waiver
No income requirement for students
Perpetual Annual Fee Waiver
No income requirement for students
Hang Seng City University of Hong Kong Credit Card

Hang Seng City University of Hong Kong Credit Card

Hang Seng City University of Hong Kong Credit Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
Perpetual Annual Fee Waiver
No income requirement for students
Perpetual Annual Fee Waiver
No income requirement for students
Hang Seng The Hang Seng University of Hong Kong Credit Card

Hang Seng The Hang Seng University of Hong Kong Credit Card

Hang Seng The Hang Seng University of Hong Kong Credit Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
Perpetual Annual Fee Waiver
No income requirement for students
Perpetual Annual Fee Waiver
No income requirement for students
Hang Seng School of Continuing and Professional Studies CUHK Credit Card

Hang Seng School of Continuing and Professional Studies CUHK Credit Card

Hang Seng School of Continuing and Professional Studies CUHK Credit Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
Perpetual Annual Fee Waiver
No income requirement for students
Perpetual Annual Fee Waiver
No income requirement for students
Need some help?
No worries, we've got you covered!
How many types of credit cards in Hong Kong? How should I choose my credit cards?

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

In order to choose the best credit card, you can consider the popularity and offers of the card types, and also the reputation of banks, class of the credit cards, etc. Many people own several credit cards to meet different needs nowadays. Also, you can consider your spending habits and choose Cash Back Credit Cards, Airmiles Credit Cards, Dining Credit Cards, Online Shopping Credit Cards, Premium Credit Cards, Corporate Credit Cards, Entry Level / Student Credit Cards, UnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

What are the differences between the entry level credit cards and other credit cards?

The main differences between entry level credit cards and other credit cards are annual salary requirement, application approval difficulty and credit limit. Since the requirement of low income credit card is lower, the chance of approval will be higher and the banks will decrease the credit limit to reduce risks and prevent applicants from over-spending.

Can I apply for a credit card if I am a student, self-employed or unemployed withour income proof?

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

You may consider credit cards for students or of entry level. Most student credit cards, such as WeWa card and DBS COMPASS VISA Tertiary Student Card, only require applicants to submit identity proof, residential proof and a copy of student card. Credit cards with low income requirement, like Citibank Rewards VISA card and HSBC Visa Gold Credit Card, require the minimum annual salary of HK$60,000 only. Applicants just need to provide income proof of designated salary.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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