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CNCBI Motion Credit Card
MoneyHero Exclusive Offer
Featured Product
$ 150,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
0.55 %
Local Spending - Cashback Rate
TODO
PrimeCredit EarnMORE UnionPay Card for University Student
MoneyHero Exclusive Offer
Featured Product
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
2 %
Local Spending - Cashback Rate
For spending in all categories (cap: $2000 rebate): 2% cashback
Standard Chartered Smart Credit Card
$ 96,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
5 %
Local Spending - Cashback Rate
on designated stores spending
First HK$60,000 spending at selected merchants: 5% CashBack; HK$60,001 or above spending: 0.55% CashBack
Hang Seng MPOWER Card
$ 150,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
5 %
Local Spending - Cashback Rate
on designated mobile payment spending
(Non-direct Cashback) Designated mobile payment spending: 5% Cash Dollars Rebate; other local spending: 0.4% Cash Dollars Rebate
Citi Rewards UnionPay Card
MoneyHero Exclusive Offer
$ 120,000
Min. Annual Income
$ 1.5 /mile
Local Spending - Air Miles Conversion
Miles redeemed (on spending made via QuickPass)
Other expenditure: HK$15 = 1 mile
4 %
Local Spending - Cashback Rate
on spending made via QuickPass
Spending made via UnionPay QR Code Payment: 2.4%; Other expenditure: 0.4% cashback
TODO
PrimeCredit WeWa UnionPay Card for University Student
MoneyHero Exclusive Offer
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
4 %
Local Spending - Cashback Rate
on local designated stores spending
(direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback
TODO
HSBC Visa Gold Card for Students
Latest Offer
No Requirement
Min. Annual Income
$ 4.17 /mile
Local Spending - Air Miles Conversion
on local retail spending with "Red Hot Rewards of Your Choice" registration
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) = Up to 6X rebate or $4.17/mile (Basic Reward: $25/mile)
2.4 %
Local Spending - Cashback Rate
on local retail spending with "Red Hot Rewards of Your Choice" registration
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) = Up to 6X rebate or 2.4% cash rebate (Basic Reward: 0.4% cash rebate)
Hang Seng The Chinese University of Hong Kong Credit Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
2.4 %
Local Spending - Cashback Rate
(Non-direct Cashback) Spending on tuition fee / examination fee and bookstores: 2.4% Cash Dollars Rebate ; other local spending: 0.4% Cash Dollars Rebate
Citi Rewards Card
MoneyHero Exclusive Offer
$ 120,000
Min. Annual Income
$ 3 /mile
Local Spending - Air Miles Conversion
Miles redeemed (on contactless payment spending)
Other spending: HK$15 = 1 mile
2 %
Local Spending - Cashback Rate
on contactless payment spending
Other expenditure: 0.4% cashback
Citi Cash Back Card
MoneyHero Exclusive Offer
$ 120,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
2 %
Local Spending - Cashback Rate
on local dining and local hotel spending
Local dining and local hotel spending: 2% cash rebate; Spending in foreign currencies: 2% cash rebate
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Need some help?
No worries, we've got you covered!

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.

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.

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