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CNCBI Motion Credit Card

CNCBI Motion Credit Card

MoneyHero Exclusive OfferFeatured Product
CNCBI Motion Credit Card
$150,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
0.55%
Local Spending - Cashback Rate
MoneyHero Exclusive Offer:
Enjoy up to HK$1,500 Cash Rebate (including HK$500 Cash Rebate exclusively from MoneyHero)
Up to 5% Cash Rebate on Online Spending
First year annual fee waiver
Up to 5% Cash Rebate on Online Spending
First year annual fee waiver
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

MoneyHero Exclusive OfferFeatured Product
Standard Chartered Smart Credit Card
$96,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
Up to HK$1,600 CashBack as welcome gift, plus HK$350 supermarket coupon exclusively from MoneyHero
Up to 5% CashBack on selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE; Perpetual annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Up to 5% CashBack on selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE; Perpetual annual fee waiver
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

Hang Seng MPOWER Card
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
Register to enjoy up to 8% Cash Dollars rebate on online transactions and mobile payment
No income requirement for students
Register to enjoy up to 8% Cash Dollars rebate on online transactions and mobile payment
No income requirement for students
Citi Rewards UnionPay Card

Citi Rewards UnionPay Card

MoneyHero Exclusive Offer
Citi Rewards UnionPay Card
$120,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to 300,000 Points (HK$1,200 Cash Rebate) as welcome gift, plus HK$300 supermarket coupon exclusively from MoneyHero
Spending made via QuickPass: 4% cash rebate; Spending made via UnionPay QR Code Payment: 2.4% cash rebate
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Spending made via QuickPass: 4% cash rebate; Spending made via UnionPay QR Code Payment: 2.4% cash rebate
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
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) / Nintendo Switch Software Ring Fit Adventure as welcome offer; plus HK$550 cash rewards exclusively from MoneyHero
4% rebate on Travel, Cinema, Karaoke, Theme park spending
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
4% rebate on Travel, Cinema, Karaoke, Theme park spending
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

Latest Offer
HSBC Visa Gold Card for Students
No Requirement
Min. Annual Income
Latest Offer:
Successfully apply to enjoy $300 RewardCash
Year-round spending rewards up to 2.4% RewardCash rebate (equivalent to HK$4.17 per air mile)
Perpetual annual fee waiver
Year-round spending rewards up to 2.4% RewardCash rebate (equivalent to HK$4.17 per air mile)
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
Citi Rewards Card

Citi Rewards Card

MoneyHero Exclusive Offer
Citi Rewards Card
$120,000
Min. Annual Income
MoneyHero Exclusive Offer:
Up to 250,000 Points (HK$1,000 Cash Rebate) as welcome gift, plus HK$300 supermarket coupon exclusively from MoneyHero
Spending made via contactless payment: 2% cash rebate
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Spending made via contactless payment: 2% cash rebate
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 Offer
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$550 Cash Rewards exclusively from MoneyHero
Enjoy 2% direct cash rebate; 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.
Enjoy 2% direct cash rebate; 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.
Citi Cash Back Card

Citi Cash Back Card

MoneyHero Exclusive Offer
Citi Cash Back Card
$120,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
Up to HK$1,300 welcome rewards (including HK$500 supermarket coupon exclusively from MoneyHero)
4% rebate on food delivery from designated merchants; 2% rebate for local dining, local hotel spending and foreign currency spending with no cap
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
4% rebate on food delivery from designated merchants; 2% rebate for local dining, local hotel spending and foreign currency spending with no cap
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
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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