Best Student Credit Cards

$
120,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
4
%
Local Spending - Cashback Rate
Designated HKT merchants and Designated Merchants; Other Merchants 1%
$
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
$
150,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
10
%
Local Spending - Cashback Rate
Earn up to 10% Cash Back at Chill Merchants
$
150,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
9
%
Local Spending - Cashback Rate
on online/designated mobile payment spending
(Non-direct Cashback) Designated mobile payment spending: 5% Cash Dollars Rebate; other local spending: 0.4% Cash Dollars Rebate
No Requirement
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
6
%
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
$
150,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
6
%
Local Spending - Cashback Rate
Dining and Online Spending
$
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
$
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
3.7
%
Local Spending - Cashback Rate
on spending made via QuickPass
Other expenditure: 0.4% cashback
$
40,000
Min. Annual Income
Not Available
Local Spending - Air Miles Conversion
3.4
%
Local Spending - Cashback Rate
on online shopping spending
$
150,000
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
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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