Best Credit Cards for Students in Hong Kong 2020

Finding the ideal student credit card depends on whether you prioritise a card with no minimum salary requirement, a high cashback or air miles rewards rate, or great entertainment benefits. We’ve compared over 300 credit cards to find the best credit cards for students of different budgets and interests.

Best No Minimum Salary Credit Cards
Best Cashback Credit Cards
Best Entertainment Credit Cards
Best Air Miles Credit Cards

Best No Minimum Salary Credit Cards

If you are a student shopping for a credit card with no minimum salary requirement that still offers quality rewards and perks, these cards might be right for you.

EarnMORE UnionPay Diamond Card for University Students: Top Flat Cashback & Great Travel Perks

  • Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Panasonic Air Freshener w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive OTO Neck Loose Massager w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
EarnMORE UnionPay Diamond Card is a great choice for students seeking the highest flat cashback rates available. Besides having no minimum salary requirement, this card offers students 2% cashback on local, online and overseas spend, making it an excellent choice if you are looking for no-hassle rewards and want no annual credit card fee.


The card also offers great perks if you are a frequent traveller. Cardholders can get waived foreign currency transaction fees, discounted limo transfers and free lounge visits, reducing the costs of trips in multiple categories. Overall, the EarnMORE Union Pay Diamond Card is a good fit whether you study abroad or simply enjoy visiting other countries.

  • No min. salary requirement
  • Annual fee: HK$800/yr, 2-yr waiver
  • Foreign currency transaction fees waived
  • 2% cashback locally, online & overseas (rewards cap of HK$2k/yr)
  • 2% cashback on Octopus AAVS reloads
  • Discounted limousine service & up to 3 free lounge visits/yr
  • Stand-Out: Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Panasonic Air Freshener w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive OTO Neck Loose Massager w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
EarnMORE UnionPay Diamond Card for University Students is a great choice for students seeking the highest flat cashback rates available. Besides having no minimum salary requirement, this card offers students 2% cashback on local, online and overseas spend, making it an excellent choice if you are looking for no-hassle rewards and want no annual credit card fee.


The card also offers great perks if you are a frequent traveller. Cardholders can get waived foreign currency transaction fees, discounted limo transfers and free lounge visits, reducing the costs of trips in multiple categories. Overall, the EarnMORE Union Pay Diamond Card is a good fit whether you study abroad or simply enjoy visiting other countries.

  • No min. salary requirement
  • Annual fee: HK$800/yr, 2-yr waiver
  • Foreign currency transaction fees waived
  • 2% cashback locally, online & overseas (rewards cap of HK$2k/yr)
  • 2% cashback on Octopus AAVS reloads
  • Discounted limousine service & up to 3 free lounge visits/yr

WeWa UnionPay Diamond Card for University Students: High Cashback on Local Leisure & Travel Spend

  • Up to 4% rebate on local leisure & travel bookings
  • Promotions: Receive HK$500 cashback w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Jabra Elite Active wireless headset w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive American Meresoy massage gun w/ HK$8.5k spend in 1st 3mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
WeWa UnionPay Diamond Card for University Students is an excellent choice for students on a budget who still want a great rewards program on select vacation expenses and local entertainment. Students who spend with vendors such as major airlines, travel agencies, and entertainment merchants like Cathay Pacific, Air China, Agoda, China Travel Service, Disneyland, MCL Cinemas, and various theme parks will receive an impressive 4% cashback.


While the high rebate for select vendors is a good choice for cognizant spenders, the general spend cashback rate is only 0.4%. This means you may need to look elsewhere if you want more general rewards. Altogether, the WeWa UnionPay Diamond Card for Students might be a good choice for you if you like to spend on entertainment activities while receiving some bonus travel perks.

  • No min. salary for students
  • Annual fee: HK$800, 2-yr waiver; 5 year waiver for students
  • 4% cashback w/ select airlines, travel agencies & entertainment merchants
  • 0.4% cashback on general spend
  • Foreign currency transaction fee waived
  • Discounted limousine service & up to 3 free lounge visits/yr
  • Stand-Out: Up to 4% rebate on local leisure & travel bookings
  • Promotions: Receive HK$500 cashback w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Jabra Elite Active wireless headset w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive American Meresoy massage gun w/ HK$8.5k spend in 1st 3mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
WeWa UnionPay Card for University Students is an excellent choice for students on a budget who still want a great rewards program on select vacation expenses and local entertainment. Students who spend with vendors such as major airlines, travel agencies, and entertainment merchants like Cathay Pacific, Air China, Agoda, China Travel Service, Disneyland, MCL Cinemas, and various theme parks will receive an impressive 4% cashback.


While the high rebate for select vendors is a good choice for cognizant spenders, the general spend cashback rate is only 0.4%. This means you may need to look elsewhere if you want more general rewards. Altogether, the WeWa UnionPay Diamond Card for Students might be a good choice for you if you like to spend on entertainment activities while receiving some bonus travel perks.

  • Annual fee: HK$1.8k, waived perpetually w/ HK$100k spend/yr
  • 0.333 miles per HK$1 overseas & online spend w/ HK$20k spend/mo (0.250 miles) if below)
  • 0.125 miles per HK$1 local spend
  • 1 free lounge visit per HK$5k spend per person in next mo, up to 12 visits/yr
  • No miles conversion fee

Hang Seng MPOWER Card: Top Online & Mobile Spend

  • 5% cashback for online, overseas & mobile payments
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo, OR:
  • Receive 8 MCL Cinemas movie tickets w/ HK$5k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Hang Seng MPOWER Card is an excellent choice for students with frequent spending on entertainment, dining and fashion via mobile and contactless payments. This card's 5% rebate on mobile and online spending is one of the best rates on the market, and the Cash Dollars you earn when spending can be used with over 7,400 vendors. However, the card also has spending minimums and price caps on certain rewards categories which mean you'll have to track your expenses closely in order to maximize the rewards.


The card's other benefits include a perpetual annual fee waiver and entertainment perks such as exclusive concert priority booking and discounted tickets and popcorn at MCL Cinemas. If you use your eWallet to make payments and don't mind tracking your spending habits, Hang Seng MPOWER might be the best student credit card for you.

  • No min. salary requirement
  • Perpetual annual fee waiver
  • 5% Cash Dollars rebate on local dining, entertainment & fashion spend via mobile pay (w/ HK$3k min. spend/mo) (capped at 100 Cash Dollars/mo)
  • 5% Cash Dollars rebate on HK$300+ online & overseas transactions (w/ HK$3k min. spend/mo) (each category capped at 200 Cash Dollars/mo)
  • 0.4% Cash Dollars rebate on general spend
  • Stand-Out: 5% cashback for online, overseas & mobile payments
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo, OR:
  • Receive 8 MCL Cinemas movie tickets w/ HK$5k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Hang Seng MPOWER Card is an excellent choice for students with frequent spending on entertainment, dining and fashion via mobile and contactless payments. This card's 5% rebate on mobile and online spending is one of the best rates on the market, and the Cash Dollars you earn when spending can be used with over 7,400 vendors. However, the card also has spending minimums and price caps on certain rewards categories which mean you'll have to track your expenses closely in order to maximize the rewards.


The card's other benefits include a perpetual annual fee waiver and entertainment perks such as exclusive concert priority booking and discounted tickets and popcorn at MCL Cinemas. If you use your eWallet to make payments and don't mind tracking your spending habits, Hang Seng MPOWER might be the best student credit card for you.

  • No min. salary requirement
  • Perpetual annual fee waiver
  • 5% Cash Dollars rebate on local dining, entertainment & fashion spend via mobile pay (w/ HK$3k min. spend/mo) (capped at 100 Cash Dollars/mo)
  • 5% Cash Dollars rebate on HK$300+ online & overseas transactions (w/ HK$3k min. spend/mo) (each category capped at 200 Cash Dollars/mo)
  • 0.4% Cash Dollars rebate on general spend

BEA i-Titanium Card for University Students

  • Competitive 3.4% rebate on online spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Receive HK$300 Deliveroo Cash Coupon w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Receive JBL Tune12- wireless headphones w/ HK$4k spend in 1st 2mo
  • Read Our Full Review
BEA i-Titanium Card for University Students is another great card for students who do most of their shopping online. Cardholders begin to earn 3.4% cashback after reaching a very manageable HK$1,800 monthly spend online. However, general expenses are rewarded at just 0.4%, which means it isn't the best card for everyday spending.


In addition, the card’s HK$600 annual fee, already low by market standards, is waived for the first year and can be avoided entirely by maintaining select BEA accounts. If you're a student with a limited budget and you tend to do much of your shopping online, you should strongly consider the BEA i-Titanium Card for University Students.

  • No min. salary for students
  • Up to 10% cashback on select dining mobile pay
  • Annual fee HK$600, waived w/ select BEA accounts
  • HK$1.8k monthly spend requirement
  • Online cashback capped at HK$200/mo
  • 0.4% local spending cashback rate
  • 1.5% foreign currency transaction fee
  • Stand-Out: Competitive 3.4% rebate on online spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Receive HK$300 Deliveroo Cash Coupon w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Receive JBL Tune12- wireless headphones w/ HK$4k spend in 1st 2mo
  • Read Our Full Review
BEA i-Titanium Card for University Students is another great card for students who do most of their shopping online. Cardholders begin to earn 3.4% cashback after reaching a very manageable HK$1,800 monthly spend online. However, general expenses are rewarded at just 0.4%, which means it isn't the best card for everyday spending.


In addition, the card’s HK$600 annual fee, already low by market standards, is waived for the first year and can be avoided entirely by maintaining select BEA accounts. If you're a student with a limited budget and you tend to do much of your shopping online, you should strongly consider the BEA i-Titanium Card for University Students.

  • No min. salary for students
  • Up to 10% cashback on select dining mobile pay
  • Annual fee HK$600, waived w/ select BEA accounts
  • HK$1.8k monthly spend requirement
  • Online cashback capped at HK$200/mo
  • 0.4% local spending cashback rate
  • 1.5% foreign currency transaction fee

Best Cashback Credit Cards

If you have a moderate salary and are looking to earn significant cashback on your spending, these cards offer you some of the best rewards and perks.

Standard Chartered Simply Cash Visa Card: High Local & Overseas Cashback

  • Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Students seeking simple, unlimited cashback on local and international spending should consider Standard Chartered Simply Cash Visa. The HK$96,000 minimum annual salary requirement is well below the HK$150,000 average, and because there is no cashback limit, high spenders can earn cashback on every purchase.


Although this card has a relatively high annual fee of HK$2,000, cardholders can waive this payment if they maintain active Standard Chartered Premium Banking, Priority Banking or Bonus Payroll accounts.

Students looking for simple, unlimited cashback should consider Standard Chartered Simply Cash Visa. The flat local spending rate means rewards are easy to achieve, and the lower minimum salary requirement makes it one of the easier credit cards to apply for.

  • HK$96,000 min. annual salary
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Stand-Out: Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Students seeking simple, unlimited cashback on local and international spending should consider Standard Chartered Simply Cash Visa. The HK$96,000 minimum annual salary requirement is well below the HK$150,000 average, and because there is no cashback limit, high spenders can earn cashback on every purchase.


Although this card has a relatively high annual fee of HK$2,000, cardholders can waive this payment if they maintain active Standard Chartered Premium Banking, Priority Banking or Bonus Payroll accounts.

Students looking for simple, unlimited cashback should consider Standard Chartered Simply Cash Visa. The flat local spending rate means rewards are easy to achieve, and the lower minimum salary requirement makes it one of the easier credit cards to apply for.

  • HK$96,000 min. annual salary
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend

HSBC Red Credit Card: Top Cashback for Local Spenders

  • Up to 4% online & 2% supermarket spend w/ no caps
  • Promotions: Receive HK$800 cashback w/ HK$8k min. spend in 1st 2mo; OR
  • Receive HK$800 Wellcome supermarket vouchers w/ HK$8k spend in 1st 2mo
  • Read Our Full Review
HSBC Red Credit Card is a great choice for high-spending students who want uncapped cashback on their online shopping and grocery expenses. The 1% cashback on all other local and overseas expenses plus no annual credit card fee make this a great option if you just want no-hassle, well-rounded rewards.


However, the 1.95% foreign currency transaction fee and low cashback on overseas spending mean that frequent travelers may be better off with a different card. Otherwise, the HSBC Red Credit Card is an excellent choice for students who live and spend locally.

  • HK$120,000 min. annual salary
  • Annual fee: Free
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers
  • Octopus top up spending: 0.4%
  • Foreign currency transaction fee: 1.95%
  • Stand-Out: Up to 4% online & 2% supermarket spend w/ no caps
  • Promotions: Receive HK$800 cashback w/ HK$8k min. spend in 1st 2mo; OR
  • Receive HK$800 Wellcome supermarket vouchers w/ HK$8k spend in 1st 2mo
  • Read Our Full Review
HSBC Red Credit Card is a great choice for students with a large budget who want uncapped cashback on their online shopping and grocery spend. The 1% cashback on all other local and overseas expenses plus no annual credit card fee makes this a great option for no-hassle, well-rounded rewards.


While this card is an excellent choice for students who spend locally, the 1.95% foreign currency transaction fee and low cashback on overseas spending means frequent travelers may be better off with another card. Overall, the HSBC Red Credit Card is best for students who want great rewards for uncapped grocery and online spend as well as a respectable 1% on general spend.

  • HK$120,000 min. annual salary
  • Annual fee: Free
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers
  • Octopus top up spending: 0.4%
  • Foreign currency transaction fee: 1.95%

DBS Compass Visa: Excellent Online Cashback

  • 3% rebate w/ Taobao & Tmall, 1% other popular merchants
  • Promotions: HK$400 PARKnSHOP/Watsons InstaRedeem w/ HK4.8k spend in 1st 3mo, OR:
  • HK$300 all merchants InstaRedeem w/ HK$4.8k spend in 1st 3mo, OR:
  • Dyson Supersonic styler Complete (redemption fee HK$3.48k) w/ HK$4.8k spend in 1st 3mo, OR:
  • Le Maurice suitcase w/ HK$6.8k spend in 1st 3mo, OR:
  • Read Our Full Review
DBS Compass Visa is great for students with limited budgets who are loyal to popular local merchants. Cardholders earn 3% COMPASS Dollars rebate on online sites Tmall and Taobao, as well as 1% COMPASS Dollars at other designated retailers. However, the Taobao and Tmall rewards are capped at HK$1,000 spend, so more aggressive spenders will max out that rebate quickly.


The COMPASS Dollars you earn can be used as payment with a variety of well-known merchants. If you spend a significant part of your budget online or at local vendors that participate in the COMPASS rewards program, the DBS Compass Visa may fit your needs. However, students trying to avoid fees and achieve well-rounded benefits may be better off avoiding this card's modest rewards for general spending and the HK$1,800 annual fee.

  • HK$40,000 min. annual salary
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Stand-Out: 3% rebate w/ Taobao & Tmall, 1% other popular merchants
  • Promotions: HK$400 PARKnSHOP/Watsons InstaRedeem w/ HK4.8k spend in 1st 3mo, OR:
  • HK$300 all merchants InstaRedeem w/ HK$4.8k spend in 1st 3mo, OR:
  • Dyson Supersonic styler Complete (redemption fee HK$3.48k) w/ HK$4.8k spend in 1st 3mo, OR:
  • Le Maurice suitcase w/ HK$6.8k spend in 1st 3mo, OR:
  • Read Our Full Review
DBS Compass Visa is great for students with limited budgets who are loyal to popular local merchants. Cardholders earn 3% COMPASS Dollars rebate on online sites Tmall and Taobao, as well as 1% COMPASS Dollars at other designated retailers. However, the Taobao and Tmall rewards are capped at HK$1,000 spend, so more aggressive spenders will max out that rebate quickly.


The COMPASS Dollars you earn can be used as payment with a variety of well-known merchants. If you spend a significant part of your budget online or at local vendors that participate in the COMPASS rewards program, the DBS Compass Visa may fit your needs. However, students trying to avoid fees and achieve well-rounded benefits may be better off avoiding this card's modest rewards for general spending and the HK$1,800 annual fee.

  • HK$40,000 min. annual salary
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived

Best Entertainment Credit Cards

If you are a student with a moderate salary looking for impressive cashback on entertainment spending like dining, these cards might be right for you.

BEA UnionPay Dual Currency PLATINUM Credit Card: Top Dining Cashback & Travel Perks

  • 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
BEA UnionPay Dual Currency PLATINUM Credit Card is great for students who plan their spending and frequently dine out. The 1.2% cashback rate on dining expenses is one of the best on the market, and the 0.8% cashback on local spending means cardholders will also enjoy strong rewards on general spending.


This card also offers a remarkable 10% cashback on spending at designated bakeries and fast food outlets, however the mobile payment requirement and HK$2,000 monthly spend minimum means students who don't closely manage their spending may miss out on rewards.

This card may also be an excellent choice for students who travel often to mainland China. BEA UnionPay Dual Currency PLATINUM Credit Card waives foreign currency transaction fees and has dual currency (HKD/RMB) functionality, making it less expensive to use abroad. Overall, this card offers students impressive dining rewards with great perks for travellers.

  • HK$40,000 min. annual salary
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Stand-Out: 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
BEA UnionPay Dual Currency PLATINUM Credit Card is great for students who plan their spending and frequently dine out. The 1.2% cashback rate on dining expenses is one of the best on the market, and the 0.8% cashback on local spending means cardholders will also enjoy strong rewards on general spending.


This card also offers a remarkable 10% cashback on spending at designated bakeries and fast food outlets, however the mobile payment requirement and HK$2,000 monthly spend minimum means students who don't closely manage their spending may miss out on rewards.

This card may also be an excellent choice for students who travel often to mainland China. BEA UnionPay Dual Currency PLATINUM Credit Card waives foreign currency transaction fees and has dual currency (HKD/RMB) functionality, making it less expensive to use abroad. Overall, this card offers students impressive dining rewards with great perks for travellers.

  • HK$40,000 min. annual salary
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived

HSBC Pulse UnionPay Dual Currency Diamond Card

  • Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Pulse UnionPay Dual Currency Diamond Card is a great choice for students seeking customizable cashback and excellent perks when traveling in mainland China. Cardholders can select an impressive +2% cashback in a category of their choice including dining and overseas spending. Consumers also receive an extra 2%+ bonus on spend online, overseas and in mainland China and Macau.


Students can also enjoy great travel perks like waived credit card currency conversion fees in mainland China and Macau, free lounge visits and discounted limousine service.

This card is great for someone who is cognizant of their spending habits, as you can receive impressive rewards in categories of your choosing. However, the 0.4% cash rebate on general spend is relatively weak compared to other cards on the market. Altogether, if you tend to spend in one category and travel frequently, the HSBC Pulse UnionPay Dual Currency Diamond Card may be a great choice for you.

  • HK$150,000 min. annual salary
  • Annual fee: HK$1,800 (2-yr waiver available)
  • Supplementary fee: HK$900
  • 0.4% cash rebate on general spend
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr
  • Stand-Out: Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Pulse UnionPay Dual Currency Diamond Card is a great choice for students seeking customizable cashback and excellent perks when traveling in mainland China. Cardholders can select an impressive +2% cashback in a category of their choice including dining and overseas spending. Consumers also receive an extra 2%+ bonus on spend online, overseas and in mainland China and Macau.


Students can also enjoy great travel perks like waived credit card currency conversion fees in mainland China and Macau, free lounge visits and discounted limousine service.

This card is great for someone who is cognizant of their spending habits, as you can receive impressive rewards in categories of your choosing. However, the 0.4% cash rebate on general spend is relatively weak compared to other cards on the market. Altogether, if you tend to spend in one category and travel frequently, the HSBC Pulse UnionPay Dual Currency Diamond Card may be a great choice for you.

  • HK$150,000 min. annual salary
  • Annual fee: HK$1,800 (2-yr waiver available)
  • Supplementary fee: HK$900
  • 0.4% cash rebate on general spend
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr

Blue Cash Credit Card from American Express

  • High 1.2% flat rebate + 0% interest instalment plan
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Blue Cash Credit Card from American Express is a great choice for students looking for flat, no-hassle rewards across all of their spending. Cardholders can make large purchases with 0% interest at designated vendors, while the annual fee is waived in the first year and can be avoided in following years by spending a reasonableHK$25,000 annually.


In addition to strong uncapped flat cashback rates across local, online and overseas spending, this card offers entertainment perks like free size upgrades on beverages at Pacific Coffee and discounted movie tickets at Broadway Circuit in Hong Kong. If you are a frequent shopper seeking simple cashback rewards and quality entertainment perks, Blue CashSM Credit Card may be a great choice for you.

  • HK$150,000 min. annual salary
  • Annual fee: HK$980, waived for first year; waived for the following year by spending HK$25,000 annually
  • 0% int. instalment plans w/ select merchants
  • 45 Days Cover personal property insurance
  • Stand-Out: High 1.2% flat rebate + 0% interest instalment plan
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Blue Cash Credit Card from American Express is a great choice for students looking for flat, no-hassle rewards across all of their spending. Cardholders can make large purchases with 0% interest at designated vendors, and the annual fee, waived for the first year, can be avoided in perpetuity by spending HK$25,000 per year, an easy-to-achieve figure.


In addition to strong uncapped flat cashback rates across local, online and overseas spending, this card offers entertainment perks like free size upgrades on beverages at Pacific Coffee and discounted movie tickets at Broadway Circuit in Hong Kong. If you are a frequent shopper seeking simple cashback rewards and quality entertainment perks, Blue Cash Credit Card may be a great choice for you.

  • HK$150,000 min. annual salary
  • Annual fee: HK$980, waived for first year; waived for the following year by spending HK$25,000 annually
  • 0% int. instalment plans w/ select merchants
  • 45 Days Cover personal property insurance

Best Air Miles Credit Cards

If you have an average or above-average salary and are looking for great air miles rewards, these cards may be a great match for you.


Update: Due to COVID-19 and its impact on global travel and flight availability, air miles rewards may be more difficult to spend for the time being.

Standard Chartered Asia Miles Mastercard

  • Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is a great option for students with a limited salary who want impressive rewards across all of their spending. Cardholders earn 0.167 miles per HK$1 local retail spend, which is one of the highest on the market. What’s more, 0.250 miles are earned per HK$1 for regular dining, overseas & online spend.


The HK$96,000 minimum salary is well below the average requirement offered by most cards, however you will need to maintain a banking account with a minimum balance of HK$5,000 with Standard Chartered to avoid the relatively high annual fee of HK$2,000 beyond the first year waiver. SC Asia Miles Mastercard may be the perfect card for you if you’re looking to accumulate substantial air miles with easy spending.

  • HK$96,000 min. salary requirement
  • Annual fee: HKD$2,000 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
  • Stand-Out: Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is a great option for students with a limited salary who want impressive rewards across all of their spending. Cardholders earn 0.167 miles per HK$1 local retail spend, which is one of the highest on the market. What’s more, 0.250 miles are earned per HK$1 for regular dining, overseas & online spend.


The HK$96,000 minimum salary is well below the average requirement offered by most cards, however you will need to maintain a banking account with a minimum balance of HK$5,000 with Standard Chartered to avoid the relatively high annual fee of HK$2,000 beyond the first year waiver. SC Asia Miles Mastercard may be the perfect card for you if you’re looking to accumulate substantial air miles with easy spending.

  • HK$96,000 min. salary requirement
  • Annual fee: HKD$2,000 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services

Citi Rewards Card

  • Top miles w/ popular merchants & on telecom bills
  • Promotions: Tea set for 2 at Mandarin Oriental w/ HK$10k min. spend in 1st 2 mo, OR:
  • Receive HK$800 cash rebate w/ HK$10k min. spend in 1st 2mo, OR:
  • For student applicants, 30k points (approx 2 MCL vouchers) w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
Citi Rewards Card is ideal for students looking for significant rewards on spending with select merchants. Cardholders earn 0.333 miles per HK$1 spend with select department stores, supermarkets, and telecom providers, boosted to 0.536 miles during their birthday month. However, the relatively low .067 miles per HK$1 on other spending means you should consider other cards if you want a more general spend.


If you are looking for a card to spend with select supermarkets and department stores, as well as an assortment of entertainment perks redeemable with points, you should consider Citi Rewards Card.

  • $HK150,000 min. salary
  • Annual fee: HK$1,800
  • Telecom bill payments eligible for rewards
  • HK$15 (or equivalent foreign currency) = 1 air mile
  • 5X bonus points (HK$3 = 1 mile) at designated merchants
  • Stand-Out: Top miles w/ popular merchants & on telecom bills
  • Promotions: Tea set for 2 at Mandarin Oriental w/ HK$10k min. spend in 1st 2 mo, OR:
  • Receive HK$800 cash rebate w/ HK$10k min. spend in 1st 2mo, OR:
  • For student applicants, 30k points (approx 2 MCL vouchers) w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
Citi Rewards Card is ideal for students looking for significant rewards on spending with select merchants. Cardholders earn 0.333 miles per HK$1 spend with select department stores, supermarkets, and telecom providers, boosted to 0.536 miles during their birthday month. However, the relatively low .067 miles per HK$1 on other spending means you should consider other cards if you want a more general spend.


If you are looking for a card to spend with select supermarkets and department stores, as well as an assortment of entertainment perks redeemable with points, you should consider Citi Rewards Card.

  • $HK150,000 min. salary
  • Annual fee: HK$1,800
  • Telecom bill payments eligible for rewards
  • HK$15 (or equivalent foreign currency) = 1 air mile
  • 5X bonus points (HK$3 = 1 mile) at designated merchants
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion, specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross.