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.

Both cash coupons and gifts are common credit card welcome offers in Hong Kong. Some credit cards like WeWa card give out tech gadgets such as VR goggles. Some cards like Standard Chartered Asia Miles Mastercard gives out up to 100,000 Asia Miles to new customers.

The time for each bank to distribute the welcome offer is different. Generally, it will be distributed within 3 months after the Spending Period.

For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer from banks or institutions, various terms and conditions apply, subject to different banks and institutions. You may refer to the following:

American Express 
Welcome offers do not apply to current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS 
Current and new customers are eligible for welcome offer. New customers refer to card holders who have not held or cancelled Citibank credit cards in the past 12 months. For more details of welcome offer, please click here.

PrimeCredit 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC 
Current and new customers are eligible for welcome offer. For more details of welcome offer, please click here. 

BEA 
Welcome offers do not apply to current customers. Their welcome offers only apply on applicants who have not held or cancelled BEA credit cards in the past 6 months.

For virtual rewards like air miles, cash rebates and points, the rewards will be automatically credited to your credit card accounts upon meeting the relevant spending condition.

For cash coupon or voucher, it will be mailed to your correspondence address after meeting the fulfilling condition.

If your welcome offer is an object like a luggage, a fulfillment letter / redemption letter is what you will receive my mail, and you will need to redeem the gift with the letter in specific venues.