Credit Card Guide in Hong Kong 2023 - Cashback, Airmiles, Rewards
Other than cash and e-wallets, credit cards are the main payment method in Hong Kong. Find out about asia miles rebate, promotions, interest rates, eligibility requirements and different reward types in our Hong Kong credit card guide. Maximise your spending today with MoneyHero!
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Cashback Credit Cards|Airmiles Credit Cards
💳 What Credit Cards are available in Hong Kong?
In Hong Kong, you can get and use credit cards from common card brands such as Visa, Mastercard, American Express and UnionPay. Do beware that while Visa and Mastercard are commonly accepted, there may be smaller merchants who may not accept American Express cards.
💳 What do I need to apply for a credit card in Hong Kong?
Most banks, such as Citibank, Standard Chartered and HSBC, in Hong Kong issue Credit Cards for cashback and airmiles rebate. To apply for a credit card in Hong Kong, you will need to provide proof of income and address. Your bank may also offer you a credit card when you open a bank account.
💲 Should I choose cashback or airmiles?
It depends on what you would like your credit card to do for you. If you would like to have your credit card fund your next round trip ticket to Japan, an airmiles card might be the one for you. If you love the idea of having cashback to offset your monthly spending, a cashback card is for you. Some cards offer rebates in reward points that could be redeemed for statement credits, airmiles or even gifts.
Hang Seng MMPOWER Card
Hang Seng's MMPOWER Card gives users great flexibility on what categories they would like to maximise their cashback on. Other than the always-on 5% +FUN Dollar rebate on Online Shopping spending, cardholders can register for the "Everyday +FUN Dollars spending programme" and get up to 5.4% rebate on 2 of their chosen spending categories out of the below 5:
- Mobile Payment
- Dining (dine-in and takeaway spending at restaurant outlets)
- Travel and foreign currency (hotels, airlines, travel agencies and more )
- Electronics
- Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spending, and more)
+Fun Dollars can be redeemed through selected merchants such as Wellcome and Uniqlo, instantly reducing your transaction amount at the checkout. From July 2023 on, you can also use +FUN dollars to pay your credit card balance.
Hang Seng MMPOWER World Mastercard®
+ 1 other gift options
Valid until
30 June 2024
Gift Options
Successfully apply Hase Seng MMPOWER World Mastercard, and make HK$5,000 eligible spending within 60 days from the date of card issuance, can enjoy the following welcome offer:
- New Customers: $700 +FUN Dollars
- Existing Customers: $300 +FUN Dollars
- Full-Time Student who has made HK$2,000 eligible spending within 60 days from the date of card issuance is entitled to get $300 +FUN Dollars
Spending Rewards - Overseas Foreign Currencies Spending 6% +FUN Dollars Rebate / Online Spending 5% +FUN Dollars Rebate / Selected spending categories 1% +FUN Dollars Rebate (Select 2 out of 3)
- From 1 January 2024 to 30 June 2024 (both dates inclusive), customers who register via hangseng.com/mpower and accumulates monthly eligible spending of HK$5,000 or above can enjoy below spending rebates:
- Overseas Foreign Currencies Spending 6% +FUN Dollars
- Online Retail Spending 5% +FUN Dollars
- Selected spending categories 1% +FUN Dollars (Select 2 out of 3: Dining (dine-in and takeaway at restaurant outlets; fast food not included), Electronics, Entertainment (video and music streaming platforms, local cinemas in Hong Kong, local theme parks, Cityline ticket spendings and more)
- Rebates for Overseas Spending, Online Retail Spending and Self-Selected Categories Spending mentioned above have included basic 0.4% +FUN Dollars on Hang Seng Credit Card (HKD250 retail spending can earn $1 +FUN Dollar) and extra rebate. During the Promotion Period, customers can enjoy up to extra $500 +FUN Dollars in total per month
- Terms and conditions apply. Please visit hangseng.com/mpower for details, terms and conditions of 2024 MMPOWER World Mastercard +FUN Dollars Rewards.
- From 1 January 2024 to 30 June 2024 (both dates inclusive), customers who register via hangseng.com/mpower and accumulates monthly eligible spending of HK$5,000 or above can enjoy below spending rebates:
- World Mastercard Privileges
- Personal concierge services: Arrange a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights.
- If the customer has held a Hang Seng MMPOWER World Mastercard® as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
- +FUN Dollars reward will be credited to the relevant credit card account of the Principal Card customers within 3 months upon fulfillment of the spending requirement(s). The relevant credit card account must be still valid and in good standing when +FUN Dollars are credited
- +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.
- MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation.
- To borrow or not to borrow? Borrow only if you can repay!
-
Late repayment fee: HK$ 300
Citi's Cash Back Card is one for those who crave a no-fuss card. The card boasts 1% cashback on all local spending and a 2% rebate on all local dining, local hotel spending. It's worth noting that there's also a 2% rebate available for all foreign transactions, which effectively counters any foreign transaction fee charges!
The cashback is automatically credited to your statement once the amount accumulates to HK$200, a perfect no-brainer.
Citi Cash Back Card
Valid until
03 June 2024
Gift Options
New Citibank Customers can get MoneyHero Exclusive reward with HK$1,600 Cash Rebate by following below requirements:
Requirements
- From 3 May 2024 12 noon till 3 June 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
- On or before 2 July 2024: The card must be approved by Citibank
Within first 3 months after card approval: Have accumulated eligible transactions of HK$8,000 + at least 1 approval transaction per month
Tips
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Please note down the application reference number (e.g. ABC123456789) provided on the page after completing the application
- If you have any concerns, please refer to the Terms and Conditions
- New Credit Card Customers shall be defined as: Customers who currently do not hold, have not cancelled and have not held any principal credit card of Citi within the past 12 months from the month of application for the Eligible Card
Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.
- 2% rebate on local dining spending
- 2% rebate on local hotel spending
- 2% rebate on spending in foreign currency
- 1% unlimited rebate on other spending
- Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
Purchase Protection Insurance
- Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.
First year annual fee waiverOther things to note
- This MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
- Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
- Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.
Standard Chartered's Smart Credit Card boasts 5% rebate for selected merchant spending, which includes ParkNShop, Watsons, Deliveroo and Netflix, getting the most bang for your buck in your daily spending.
One of its best features, will no doubt be its welcome offer. All new Standard Chartered Credit Card customers upon spending HK$4,000 of eligible transactions, could get HK$1,200 cashback. That's a 30% rebate! There are even more rewards if you apply through MoneyHero.
The card does not charge fees, there are no foreign exchange fees, annual fees or cash advance fees. What's also free is a 3-month instalment plan for any retail spending over HK$500 but do beware that the bank will deduct HK$1 CashBack from the reward redemption platform for every HK$180 instalment amount applied.
Standard Chartered Smart Credit Card
+ 3 other gift options
Valid until
31 May 2024
Valid until
15 July 2024
+ 1 other gift options
Valid until
03 July 2024
Gift Options
- New Standard Chartered Credit Card Customers get rewarded with HK$800 Apple Store Gift Card OR HK$800 Trip.com e-Voucher OR HK$800 Wellcome Shopping Voucher OR HK$800 HKTVmall e-Gift Voucher by fulfilling the following requirements:
- From 30 April 2024 6 p.m. to 31 May 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero
- Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
- On or before 30 June 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
- Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
- Tips:
- Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
- Terms and Conditions Apply.
Gift Options
- From 15 April 2024 to 15 July 2024, Smart Cardholders can enjoy Buy-1-Get-1-Free offer every Monday when you spend on any of your favourite coffee or other beverages worth HKD45 or below using Smart Card at The Coffee Academics
- Offer is applicable to designated The Coffee Academics outlets in HongKong Cardholders are entitled to a maximum of one complimentary drink per transaction per day under the Offer Applicable to dine-in and takeaway orders
- Cardholders must indicate their intention to use their Smart Card when ordering and before making payment to enjoy the offer
- A 10% service charge is applied to dine-in orders only and based on the original price (including price of complimentary beverage(s))
- The complimentary drink shall be of a value that is equal to or lower than the lowest value of the ordered beverage(s) in one transaction and must be redeemed immediately with the purchased beverage
- Quotas apply while stocks last
- Terms and conditions apply
Gift Options
- From now till 3 July 2024, new Cardholders have accumulated Eligible Transactions of HK$4,000 or above with the newly approved Smart Card within the first month from the date of issuance:
- HK$1,200 OR
- Two Lounge Pass to Plaza Premium First Hong Kong
- The CashBack from Welcome Offer will be credited within 4 months after card issuance
- 3-months unlimited interest-free instalment plan - you can have more flexibility based on your personal financial situation.
- Upon successfully apply for a credit card statement instalment plan with a tenor of 3 months through SC Mobile App or online and the Bank approving such application, the Cardholder will be entitled to interest and handling fee-free period for the first 3-months of the Credit Card Statement Instalment Plan for retail spending over HK$2,000 or above.
- Note: Standard Chartered will reverse HK$1 CashBack on the「360° Rewards」Redemption Platform for every HK$180 instalment amount applied. For spending amounts that are not eligible to earn CashBack, Standard Chartered will also reverse HK$1 CashBack for every HK$180 instalment amount applied. Where there is insufficient CashBack balance on the「360° Rewards」Redemption Platform for deduction, a negative balance will be displayed.
- 5% CashBack at PARKnSHOP
Year round offers: 5% CashBack at designated merchants like HKTVmall and Klook and more
- Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
- From 2023 onwards, JHC will be added as a designated merchant
- Other designated merchants include 759 Store, Circle K Convenience Store, Klook, SaSa, Watsons, Decathlon, China Mobile Hong Kong (from 9 June 2023 onwards) and Deliveroo (from 1 April 2023 onwards) etc.
- Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.
- No minimum spending requirement.
- The cap of 5% CashBack earned within the promotion period is HK$3,000. (You will reach the cap when you spend HK$60,000 at selected merchants.)
- Other retail transactions (including online transactions and interest-free monthly instalment), Octopus Automatic Add-Value transactions and PayMe top-up transactions are entitled to 0.55% CashBack.
- Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
- Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
- Perpetual annual fee waiver
- No foreign transaction fee
- No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.
- No cash advance fees
- Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
- New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
- Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants
- You are required to redeem CashBack through the 360° Rewards Redemption Platform.
- The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
- Cardholders are required to redeem CashBack through the platform.
- The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.
- Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
To borrow or not to borrow? Borrow only if you can repay!
The Standard Chartered Cathay Mastercard is one of the best miles cards in Hong Kong. Co-branded with Cathay Pacific, the card offers direct rebates in Asia Miles. The rebate rate is HK$4/mile for dining, online and overseas spending and HK$6/mile for other spending. Don't forget the whooping HK$2/mile whenever you spend on Cathay and HK Express. With its generous welcome offer, you only have to spend HK$5,000 to get 15,000 miles, which could get you round-trip tickets to Taipei.
If you can swing the HK$4,000 or HK$8,000 annual fee, or be a Priority Banking/Priority Private banking client respectively with Standard Chartered, consider getting the higher-tiered cards and get premium treatment at the airport! The higher tier cards get you priority check-in at Cathay premium counters and exclusive Cathay Pacific Business class lounge passes that are sharable with you're loved ones and upgrade your trip with airport lounge visit to rest up before your flight.
Standard Chartered Cathay Mastercard
+ 4 other gift options
Valid until
31 May 2024
+ 1 other gift options
Valid until
30 June 2024
Valid until
03 July 2024
+ 1 other gift options
Valid until
30 May 2024
Gift Options
MoneyHero Limited-Time Exclusive Offer
- New Standard Chartered Credit Card Customers get rewarded with Delsey Eclipse SE 27” (valued at HK$3,680) OR Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) OR Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) OR Nescafe Dolce Gusto® Genio S Plus with capsules (valued at HK$1,780;random colour) OR HK$900 Wellcome Shopping Voucher OR HK$900 Apple Store Gift Card by fulfilling the following requirements:
- From 30 April 2024 6 p.m. to 31 May 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
- Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
- On or before 30 June 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
- Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
- Tips:
- Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
- Terms and Conditions Apply.
Gift Options
- From now till 30 June 2024, cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to extra 5,000 Asia Miles
- New cardholders: extra 5,000 Asia Miles
- Existing cardholders: extra 2,000 Asia Miles
- Existing cardholders are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card, except for the Standard Chartered Mastercard, issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
Gift Options
- From now till 3 July 2024, new cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to 60,000 Asia Miles
- Spending within the first 2 months upon card issuance –
- Tier 1: Accumulated Eligible Transactions* of HKD1,000 = 5,000 Miles (HK$0.2/mile)
- Tier 2: Accumulated Eligible Transactions* of HKD5,000 = 15,000 Miles (HK$0.33/mile)
- Tier 3: Accumulated Eligible Transactions* of HKD40,000 = 40,000 Miles (HK$1/mile)
- Tier 4: Accumulated Eligible Transactions* of HKD100,000 = 60,000 Miles (HK$1.67/mile)
- *Eligible Transactions are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase
- Spending within the first 2 months upon card issuance –
Gift Options
- From now till 30 May 2024, new cardholders who submit the Standard Chartered Cathay Mastercard / Standard Chartered Cathay Mastercard - Priority Banking / Standard Chartered Cathay Mastercard - Priority Private applications and fulfill relevant requirements, will be enrolled in the Lucky Draw and has a chance to win up to 50,000 Asia Miles:
- Number of Winners of 50,000 Asia Miles: 20
- Number of Winners of 900 Asia Miles: 10,000
- Successfully apply for, and be issued with, the Eligible Card by the Standard Chartered on or before 31 July 2024.
- Terms and Conditions Apply
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
- Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
- HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
- HK$6 = 1 Asia Mile for eligible spending on other categories
10% discount on Asia Miles Awards redemption
- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
First-year annual fee waiver
- New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.
Other things to note
- New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
- Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
- Offers are subject to Terms and conditions
- An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
Standard Chartered Cathay Mastercard - Priority Banking
+ 4 other gift options
Valid until
31 May 2024
+ 1 other gift options
Valid until
30 June 2024
Valid until
03 July 2024
+ 1 other gift options
Valid until
30 May 2024
Gift Options
MoneyHero Limited-Time Exclusive Offer
- New Standard Chartered Credit Card Customers get rewarded with Delsey Eclipse SE 27” (valued at HK$3,680) OR Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) OR Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) OR Nescafe Dolce Gusto® Genio S Plus with capsules (valued at HK$1,780;random colour) OR HK$900 Wellcome Shopping Voucher OR HK$900 Apple Store Gift Card by fulfilling the following requirements:
- From 30 April 2024 6 p.m. to 31 May 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
- Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
- On or before 30 June 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
- Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
- Tips:
- Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
- Terms and Conditions Apply.
Gift Options
- From now till 30 June 2024, cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to extra 5,000 Asia Miles
- New cardholders: extra 5,000 Asia Miles
- Existing cardholders: extra 2,000 Asia Miles
- Existing cardholders are applicants who currently hold or have cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card, except for the Standard Chartered Mastercard, issued by the Bank in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Cathay Mastercard.
Gift Options
Spending within the first 2 months upon card issuance –
- Tier 1: Accumulated Eligible Transactions* of HKD1,000 = 5,000 Miles (HK$0.2/Miles)
- Tier 2: Accumulated Eligible Transactions* of HKD5,000 = 15,000 Miles (HK$0.33/Miles)
- Tier 3: Accumulated Eligible Transactions*of HKD40,000 = 60,000 Miles (HK$0.67/Miles)
Tier 4: Accumulated Eligible Transactions* of HKD100,000 = 80,000 Miles (HK$1.25/Miles)
- *Eligible Transactions are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase
Gift Options
- From now till 30 May 2024, new cardholders who submit the Standard Chartered Cathay Mastercard / Standard Chartered Cathay Mastercard - Priority Banking / Standard Chartered Cathay Mastercard - Priority Private applications and fulfill relevant requirements, will be enrolled in the Lucky Draw and has a chance to win up to 50,000 Asia Miles:
- Number of Winners of 50,000 Asia Miles: 20
- Number of Winners of 900 Asia Miles: 10,000
- Successfully apply for, and be issued with, the Eligible Card by the Standard Chartered on or before 31 July 2024.
- Terms and Conditions Apply
Cathay Travel Privileges
- Cathay Pacific Business Class Lounge Access 4 times per year
- Check-in at the Premium Economy Class counters and enjoy the same priority boarding services for Premium Economy Class passengers
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
- Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
- HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
- HK$6 = 1 Asia Mile for eligible spending on other categories
- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Annual fee waiver when you become a Priority Banking client and fulfill relevant requirements
- Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date.
Other things to note
"New Standard Chartered clients" refer to those who must fulfill the requirements of both "New cardholders" and "New banking clients" simultaneously as listed below:
- "New Cardholders" are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
- "New Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.
- To enjoy the full benefits of Standard Chartered Cathay Mastercard - Priority Banking, cardholder is required to be an existing Priority Banking client or a New Banking Client who signs up for Priority Banking upon card application. The cardholder is also required to maintain HK$1,000,000 or above Average Daily Relationship Balance starting from the second calendar month from card issuance date.
- Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
- No annual fee will be refunded if the card is terminated. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid.
- Offers are subject to Terms and conditions
- An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
HSBC's newest addition to the miles card market is the HSBC EveryMile Credit Card. It boasts a HK$2/mile rate for selected merchants that cover a wide base, spanning from covering your everyday caffeine fix (Starbucks, Pacific Coffee, Pret a Manger, NOC) to your online subscriptions (Netflix, Spotify, Disney+). On other spending, you will be earning miles at HK$5/mile.
What is extra special about this card is that when you put your travel spending (plane ticket and or hotel booking transaction) on the card, you are automatically protected by its free travel insurance. Cardholders are also entitled to 6 Plaza Premium Lounge visits per year. If there's not enough time to properly enjoy the lounge, you can also use the visit quotas to redeem food and beverage at selected dining outlets.
Like all HSBC cards, EveryMile offers rebates in Reward Cash, which could be redeemed through the Reward+ cash as statement credits, 12 types of different airmiles or physical gifts.
HSBC EveryMile Credit Card
+ 1 other gift options
Valid until
28 February 2025
Valid until
31 July 2024
Gift Options
Applying for eligible credit card via HSBC website, HSBC Personal Internet Banking or HSBC App and make eligible transaction of HKD/RMB 8,000 or above within the first 60 calendar days after card issuance:
- New Credit Card Customers: $800 RewardCash
- Existing Credit Card Customers: $200 RewardCash
Gift Options
- Enjoy an “Interest-free Payment Holiday” for the first two months
You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required).
- HK$2 spent = 1 mile on designated everyday spend; HK$5 spent = 1 mile on local purchases; as low as HK$2 = 1 mile from the exclusive overseas spending offer
Designated merchants include: Netflix, Disney+, Citybus, First Bus, Caltex, TenRen’s Tea, eCup, MOOV and etc. (complete full merchant list)
- First year annual fee waiver
- Use your RewardCash to redeem amazing rewards or miles / points at 15+ frequent flyer and hotel loyalty programmes, including Aeroplan, Asia Miles™, British Airways Executive Club Avios, Singapore Airlines KrisFlyer, Emirates Skywards, Finnair Plus, Infinity MileageLands etc.
- Please refer to HSBC website for the complete list of flyer and hotel loyalty programmes.
- Enjoy up to 15% off on hotel bookings worldwide with Agoda and monthly flash offers
- Up to 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per year
Complimentary travel insurance for you and your accompanying family members with special coverage on mobile phone and in the event of trip cancellation
Visa concierge services
- Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).
Other things to note
- The Online Welcome Offer Promotional Period starts from 1 March 2024 to 28 February 2025
- The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
- To enjoy up to 15% off on hotel bookings with Agoda, bookings must be made ia designated Agoda website (www.agoda.com/hsbceverymile ) or by accessing the Agoda mobile app through the designated Agoda website.
To borrow or not to borrow? Borrow only if you can repay!
The Citi PremierMiles Card offers up to 12 types of different membership rewards. Cardholders can get as low as HK$3/mile on foreign transactions (upon spending more than HK$20k that month) and get HK$8/mile on local spending.
Cardholders can also access Plaza Premium Lounges 12 times per year (but make sure to make HK$5k spending on your card afterward!) and would be entitled to free travel insurance by putting their plane ticket or hotel charges on the card.
Citi PremierMiles offers its rewards in Citi Points, which never expire. The points can be redeemed as statement credits, 11 frequent flyer programme points and could even be redeemed for IHG hotel rewards without handling charge.
Citi PremierMiles Card
Valid until
03 June 2024
Gift Options
New Citibank Customers can get MoneyHero Exclusive reward with HK$1,600 Cash Rebate by following below requirements:
Requirements
- From 3 May 2024 12 noon till 3 June 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
- On or before 2 July 2024: The card must be approved by Citibank
Within first 3 months after card approval: Have accumulated eligible transactions of HK$8,000 + at least 1 approval transaction per month
Tips
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Please note down the application reference number (e.g. ABC123456789) provided on the page after completing the application
- If you have any concerns, please refer to the Terms and Conditions
- New Credit Card Customers shall be defined as: Customers who currently do not hold, have not cancelled and have not held any principal credit card of Citi within the past 12 months from the month of application for the Eligible Card
Suitable for customers who have large amount of overseas/foreign currency spending
Points will never expire. No service charge for mileage conversion.
Up to 12 times complimentary access to airport lounges for every calendar year
- Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
Free Travel Insurance
- Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
Purchase Protection
- Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase
First year annual fee waiver
Other things to note
- This MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
- When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$200 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.
Hong Kong Credit Card Frequently Asked Questions
What is the interest rate on credit cards in Hong Kong, and how does it compare to other countries?
The interest rate on credit cards in Hong Kong varies from card to card. Typically, credit card interest rates in Hong Kong have an APR of around 30%. To avoid unnecessary charges, we recommend paying your balance on time and in full.
What are the eligibility requirements for obtaining a credit card in Hong Kong?
The requirements for getting a credit card in Hong Kong vary depending on the issuing bank. Generally, you'll need to be at least 18 years old, have a stable income and have a good credit history.