Best Credit Cards in Hong Kong 2020

After analysing hundreds of credit cards, we've determined the best credit cards available in Hong Kong. To make the decision easier, you can choose based on category that best fits your lifestyle. Select between top air miles, cashback, and rewards and perks credit cards based on your income and desired rewards.

Best Air Miles Credit Cards
Best Cashback Credit Cards
Best High Income Credit Cards
Best Online & Shopping Cards
Best UnionPay Credit Cards

Compare Best Overall Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best overall credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best overall credit cards compare to one another in terms of their rewards
Best Overall Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Air Miles Credit Cards Best Cashback Credit Cards Best High Income Credit Cards Best for Online & Shopping Best UnionPay Credit Cards

Compare Best Credit Cards in Hong Kong by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best overall credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best overall credit cards compare to one another in terms of their rewards
Best Overall Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best Air Miles Credit Cards

These are the best credit cards for travellers looking to earn miles on their spend.

Standard Chartered Asia Miles Mastercard: Top Dining Miles & Banking Bonus

  • 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
  • Annual fee: HK$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
Consumers seeking top miles rates for dining along with bonus miles for their banking activity should consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.750 miles per HK$1 spend with select local restaurants, boosted to 1.25 miles on Mondays. Additionally, cardholders earn 0.250 miles per HK$1 spend on other dining, overseas and online. Since dining represents a major portion of most consumers’ spend, earning amongst the top miles rates on dining, even at non-select restaurants, is an outstanding feature. As if that wasn’t enough, consumers also earn a 0.167 miles per HK$1 general retail spend, which is well above most miles cards’ base rate.


Cardholders with existing Standard Chartered accounts also earn 70 miles every month for every type of eligible SC product or service (includes premium deposit, investments, insurance, personal instalment, mortgage loan, payroll, and online banking) they maintain.This amounts to up to 490 miles a month, a total of 5,880 additional miles every year without having to spend at all.

While there is an annual fee of HK$2,000, it’s waived for the first year and then perpetually as long as the cardholder holds a Priority, Premium or Bonus Payroll Banking Account with Standard Chartered. Altogether, consumers looking for top miles rates with bonus rewards on their banking activity should consider Standard Chartered Asia Miles Mastercard.

  • 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
  • Annual fee: HK$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
Consumers seeking top miles rates for dining along with bonus miles for their banking activity should consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.750 miles per HK$1 spend with select local restaurants, boosted to 1.25 miles on Mondays. Additionally, cardholders earn 0.250 miles per HK$1 spend on other dining, overseas and online. Since dining represents a major portion of most consumers’ spend, earning amongst the top miles rates on dining, even at non-select restaurants, is an outstanding feature. As if that wasn’t enough, consumers also earn a 0.167 miles per HK$1 general retail spend, which is well above most miles cards’ base rate.


Cardholders with existing Standard Chartered accounts also earn 70 miles every month for every type of eligible SC product or service (includes premium deposit, investments, insurance, personal instalment, mortgage loan, payroll, and online banking) they maintain.This amounts to up to 490 miles a month, a total of 5,880 additional miles every year without having to spend at all.

While there is an annual fee of HK$2,000, it’s waived for the first year and then perpetually as long as the cardholder holds a Priority, Premium or Bonus Payroll Banking Account with Standard Chartered. Altogether, consumers looking for top miles rates with bonus rewards on their banking activity should consider Standard Chartered Asia Miles Mastercard.

Citi PremierMiles Card: Rapid Miles, No Conversion Fees

  • No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
  • 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
Citi PremierMiles Card provides consumers with the opportunity to rapidly earn and redeem miles with none of the usual service charges. To start, cardholders earn 0.250 miles per HK$1 spend online or overseas, boosted to 0.333 miles with HK$20k per month. Consumers also earn a respectable 0.125 miles per HK$1 local retail spend. Miles are redeemed with no service fee, saving consumers the usual HK$100+ many competitor travel cards charge.


Cardholders can also enjoy free lounge access for themselves and their guests, as long as they spend at least HK$5k per person in the following month. This lounge access is limited to 12 visits per year, which is far more generous than the market standard 3. Additionally, annual fees are waived for cardholders who spend at least HK$100k a year, which averages to an attainable HK$8,333.33 per month. Overall, consumers looking to quickly earn miles and avoid fees should consider Citi PremierMiles Card.

  • Stand-Out: No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
  • 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
Citi PremierMiles Card provides consumers with the opportunity to rapidly earn and redeem miles with none of the usual service charges. To start, cardholders earn 0.250 miles per HK$1 spend online or overseas, boosted to 0.333 miles with HK$20k per month. Consumers also earn a respectable 0.125 miles per HK$1 local retail spend. Miles are redeemed with no service fee, saving consumers the usual HK$100+ many competitor travel cards charge.


Cardholders can also enjoy free lounge access for themselves and their guests, as long as they spend at least HK$5k per person in the following month. This lounge access is limited to 12 visits per year, which is far more generous than the market standard 3. Additionally, annual fees are waived for cardholders who spend at least HK$100k a year, which averages to an attainable HK$8,333.33 per month. Overall, consumers looking to quickly earn miles and avoid fees should consider Citi PremierMiles Card.

DBS Black World Mastercard: Discounted Flights When Redeeming Miles

  • 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Rollink Flex 21 Suitcase and 2k miles w/ HK$6.8k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver if apply before 30 June 2020
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO
DBS Black World Mastercard offers travellers deep flight discounts when redeeming their miles. Cardholders earn 0.167 miles perk HK$1 locally and 0.250 miles overseas. Consumers can then redeem these miles through DBS's iGO platform to enjoy a 45% discount on any flight offered there. Alternatively, rewards can be automatically redeemed as Asia Miles, Singapore Airlines KrisFlyer Miles, Air China PhoenixMiles or British Airways Avios without service fees (though the discount will no longer apply).


In terms of travel perks, consumers can enjoy discounted, flat rate lounge visits and limo transfers. The card does have a high HK$2k annual fee, which is only waived for the first year. Even with this fee, however, DBS Black World is great for frequent travellers that want to get as high a redemption value as possible from their rewards.

  • Stand-Out: 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Rollink Flex 21 Suitcase and 2k miles w/ HK$6.8k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver if apply before 30 June 2020
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO
DBS Black World Mastercard offers travellers deep flight discounts when redeeming their miles. Cardholders earn 0.167 miles perk HK$1 locally and 0.250 miles overseas. Consumers can then redeem these miles through DBS's iGO platform to enjoy a 45% discount on any flight offered there. Alternatively, rewards can be automatically redeemed as Asia Miles, Singapore Airlines KrisFlyer Miles, Air China PhoenixMiles or British Airways Avios without service fees (though the discount will no longer apply).


In terms of travel perks, consumers can enjoy discounted, flat rate lounge visits and limo transfers. The card does have a high HK$2k annual fee, which is only waived for the first year. Even with this fee, however, DBS Black World is great for frequent travellers that want to get as high a redemption value as possible from their rewards.

American Express Cathay Pacific Credit Card: Top Miles for Cathay Pacific Loyalists

  • 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership
Cathay Pacific loyalists looking for a relatively accessible option should consider American Express Cathay Pacific Credit Card. Cardholders earn 0.250 miles per HK$1 of Cathay Pacific flight bookings spend, 0.188 miles per HK$1 overseas spend, and 0.125 miles per HK$1 of local retail. While onboard Cathay Pacific flights, consumers can also earn 0.400 miles per HK$1 on inflight sales of at least HK$500 net purchase.


Before their flights, cardholders can enjoy up to 2 free Plaza Premium lounge visits a year, with no spend requirement. Cardholders also enjoy a waived enrollment fee for a Green tier membership of the Marco Polo Club, the frequent flyer rewards program of Cathay Pacific. Membership in the Marco Polo Club allows consumers to enjoy additional luxury perks like lounge access, upgraded seats & more. Although the HK$980 annual fee is waived for the first year, consumers can enjoy perpetual annual waivers by spending just HK$100k a year, which is just HK$8,333 a month on average. Annual fees are also waived for cardholders holding Marco Polo Club Silver tier membership or above. Altogether, American Express Cathay Pacific Credit Card is great for everyday consumers who frequently fly with Cathay Pacific.

  • Stand-Out: 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership
Cathay Pacific loyalists looking for a relatively accessible option should consider American Express Cathay Pacific Credit Card. Cardholders earn 0.250 miles per HK$1 of Cathay Pacific flight bookings spend, 0.188 miles per HK$1 overseas spend, and 0.125 miles per HK$1 of local retail. While onboard Cathay Pacific flights, consumers can also earn 0.400 miles per HK$1 on inflight sales of at least HK$500 net purchase.


Before their flights, cardholders can enjoy up to 2 free Plaza Premium lounge visits a year, with no spend requirement. Cardholders also enjoy a waived enrollment fee for a Green tier membership of the Marco Polo Club, the frequent flyer rewards program of Cathay Pacific. Membership in the Marco Polo Club allows consumers to enjoy additional luxury perks like lounge access, upgraded seats & more. Although the HK$980 annual fee is waived for the first year, consumers can enjoy perpetual annual waivers by spending just HK$100k a year, which is just HK$8,333 a month on average. Annual fees are also waived for cardholders holding Marco Polo Club Silver tier membership or above. Altogether, American Express Cathay Pacific Credit Card is great for everyday consumers who frequently fly with Cathay Pacific.

CCB Hong Kong Airlines Fly Away Credit Card: No-Fee FWC Points

  • 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Annual fee: Free
  • 0.250 FWC points per HK$1 overseas, Hong Kong Airlines & inflight retail spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • No handling fee for FWC points conversion
  • Priority check-in, priority boarding & 5 free lounge visits/yr for HKA flights from HKIA
CCB Hong Kong Airlines Fly Away Credit Card provides frequent Hong Kong Airlines (HKA) flyers with the opportunity to earn FWC points without paying an annual fee. Cardholders earn 0.250 FWC points per HK$1 of HKA, inflight retail and overseas spend, and 0.167 FWC points per HK$1 local retail. FWC points, the currency of Hainan Airlines’ Fortune Wings Club, have roughly the same value as Asia Miles and can be redeemed for flights with any Hainan Airlines subsidiary like HKA, Grand China Air, Capital Airlines & more. FWC points are directly converted to the cardholders FWC account with no handling fee.


For their HKA flights out of HKIA, consumers can enjoy priority check-in and boarding, as well as up to 5 free lounge visits a year. These visits can also be redeemed by guests, with one visit charged per person. This lounge availability is much more flexible than others, which often limit use to just the cardholder and require some amount of spend before or after the visit. As mentioned, CCB Hong Kong Airlines Fly Away Credit Card has no annual fee, which means cardholders can enjoy these perks and remarkable miles rates without worrying about added annual costs. Altogether, frequent HKA flyers who want to earn FWC points without an annual fee should consider CCB Hong Kong Airlines Fly Away Credit Card.

  • Stand-Out: 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Annual fee: Free
  • 0.250 FWC points per HK$1 overseas, Hong Kong Airlines & inflight retail spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • No handling fee for FWC points conversion
  • Priority check-in, priority boarding & 5 free lounge visits/yr for HKA flights from HKIA
CCB Hong Kong Airlines Fly Away Credit Card provides frequent Hong Kong Airlines (HKA) flyers with the opportunity to earn FWC points without paying an annual fee. Cardholders earn 0.250 FWC points per HK$1 of HKA, inflight retail and overseas spend, and 0.167 FWC points per HK$1 local retail. FWC points, the currency of Hainan Airlines’ Fortune Wings Club, have roughly the same value as Asia Miles and can be redeemed for flights with any Hainan Airlines subsidiary like HKA, Grand China Air, Capital Airlines & more. FWC points are directly converted to the cardholders FWC account with no handling fee.


For their HKA flights out of HKIA, consumers can enjoy priority check-in and boarding, as well as up to 5 free lounge visits a year. These visits can also be redeemed by guests, with one visit charged per person. This lounge availability is much more flexible than others, which often limit use to just the cardholder and require some amount of spend before or after the visit. As mentioned, CCB Hong Kong Airlines Fly Away Credit Card has no annual fee, which means cardholders can enjoy these perks and remarkable miles rates without worrying about added annual costs. Altogether, frequent HKA flyers who want to earn FWC points without an annual fee should consider CCB Hong Kong Airlines Fly Away Credit Card.

Dah Sing British Airways Platinum Card: Flexible Rewards Redemption for British Airways Loyalists

  • 0.333 Avios/HK$1 on British Airways bookings
  • Promotions: Earn 1 Avios/HK$1 on first HK$10k local spend, 0.200 Avios on next HK$300k (1st 2 mo)
  • Earn 0.333 Avios/HK$1 on first HK$90k overseas spend (1st 3mo)
  • Read Our Full Review
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.333 Avios per HK$1 British Airways spend, 0.250 Avios on overseas, & 0.167 Avios local
  • Note: 1 Avios is worth approximately 1 Asia Mile
  • Redeem Avios with any Oneworld global alliance airline (Cathay Pacific, Finnair & more)
  • 10% British Airways ticket discount
British Airways loyalists seeking flexibility when redeeming their rewards should consider Dah Sing British Airways Platinum Card. Cardholders earn 0.333 Avios per HK$1 British Airways Spend, 0.250 Avios per HK$1 overseas spend, and 0.167 Avios per HK$1 general local spend. Avios, the currency of British Airways’s frequent flyer program, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades, lounge access & more with British Airways or any Oneworld global airline alliance member. Eligible airlines include Cathay Pacific, American Airlines, Iberia & LATAM Airlines to name a few.


For their British Airlines flights, consumers can also enjoy a 10% ticket discount, as well as Dah Sing’s Year-round Offers, including discounts on travel packages, hotel bookings and car-rentals. Overall, Dah Sing British Airways Platinum Card provides consumers with the opportunity to conveniently redeem rewards around the world.

  • Stand-Out: 0.333 Avios/HK$1 on British Airways bookings
  • Promotions: Earn 1 Avios/HK$1 on first HK$10k local spend, 0.200 Avios on next HK$300k (1st 2 mo)
  • Earn 0.333 Avios/HK$1 on first HK$90k overseas spend (1st 3mo)
  • Read Our Full Review
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.333 Avios per HK$1 British Airways spend, 0.250 Avios on overseas, & 0.167 Avios local
  • Note: 1 Avios is worth approximately 1 Asia Mile
  • Redeem Avios with any Oneworld global alliance airline (Cathay Pacific, Finnair & more)
  • 10% British Airways ticket discount
British Airways loyalists seeking flexibility when redeeming their rewards should consider Dah Sing British Airways Platinum Card. Cardholders earn 0.333 Avios per HK$1 British Airways Spend, 0.250 Avios per HK$1 overseas spend, and 0.167 Avios per HK$1 general local spend. Avios, the currency of British Airways’s frequent flyer program, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades, lounge access & more with British Airways or any Oneworld global airline alliance member. Eligible airlines include Cathay Pacific, American Airlines, Iberia & LATAM Airlines to name a few.


For their British Airlines flights, consumers can also enjoy a 10% ticket discount, as well as Dah Sing’s Year-round Offers, including discounts on travel packages, hotel bookings and car-rentals. Overall, Dah Sing British Airways Platinum Card provides consumers with the opportunity to conveniently redeem rewards around the world.

Dah Sing United MileagePlus World Mastercard: Discounted Miles Top-Offs

  • Anytime miles redemption w/ 15% discount on miles top-ups
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 2mo
  • 50% off JourneySure Annual Travel Insurance Plan
  • Receive extra 5% cashback and up to 0.4375 miles per HK$1 spend on JourneySure Single Trip Travel Insurance
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.200 MileagePlus miles per HK$1 United Airlines & overseas spend
  • 0.167 MileagePlus miles w/ designated tour agents & 0.125 miles local
  • Note: 1 MileagePlus mile is worth approximately 0.6 Asia Miles
  • 1 free United Club lounge visit w/ HK$40k spend in previous calendar quarter
  • 15% off the full retail price when purchasing United Mileage Plus miles
United Airlines loyalists who may occasionally need more miles than they’ve earned should consider Dah Sing United MileagePlus World Mastercard. Cardholders earn 0.200 MileagePlus miles per HK$1 of United Airlines and overseas spend, 0.167 MileagePlus miles per HK$1 spend on designated tour agents, and 0.125 MileagePlus miles per HK$1 local spend. It's important to note, however, that MileagePlus miles are only worth about 0.6 Asia Miles each. Consumers who may find themselves short of the miles needed to book their flight can enjoy a 15% discount when purchasing additional United MileagePlus Miles. This means consumers can take their trips more quickly, instead of having to wait until they earn more rewards.


For additional travel convenience, cardholders can enjoy 1 free United Club lounge visit, as long as they’ve spend at least HK$40k in the previous calendar quarter. Overall, Dah Sing United MileagePlus World Mastercard provides an opportunity for United Airlines frequent flyers to enjoy their travel rewards earlier by buying the extra miles they need at a discounted price.

  • Stand-Out: Anytime miles redemption w/ 15% discount on miles top-ups
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 2mo
  • 50% off JourneySure Annual Travel Insurance Plan
  • Receive extra 5% cashback and up to 0.4375 miles per HK$1 spend on JourneySure Single Trip Travel Insurance
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.200 MileagePlus miles per HK$1 United Airlines & overseas spend
  • 0.167 MileagePlus miles w/ designated tour agents & 0.125 miles local
  • Note: 1 MileagePlus mile is worth approximately 0.6 Asia Miles
  • 1 free United Club lounge visit w/ HK$40k spend in previous calendar quarter
  • 15% off the full retail price when purchasing United Mileage Plus miles
United Airlines loyalists who may occasionally need more miles than they’ve earned should consider Dah Sing United MileagePlus World Mastercard. Cardholders earn 0.200 MileagePlus miles per HK$1 of United Airlines and overseas spend, 0.167 MileagePlus miles per HK$1 spend on designated tour agents, and 0.125 MileagePlus miles per HK$1 local spend. It's important to note, however, that MileagePlus miles are only worth about 0.6 Asia Miles each. Consumers who may find themselves short of the miles needed to book their flight can enjoy a 15% discount when purchasing additional United MileagePlus Miles. This means consumers can take their trips more quickly, instead of having to wait until they earn more rewards.


For additional travel convenience, cardholders can enjoy 1 free United Club lounge visit, as long as they’ve spend at least HK$40k in the previous calendar quarter. Overall, Dah Sing United MileagePlus World Mastercard provides an opportunity for United Airlines frequent flyers to enjoy their travel rewards earlier by buying the extra miles they need at a discounted price.

Best Cashback Credit Cards

Consumers looking for straightforward, easy to use rebates should consider the following cards.

Citi Cash Back Card: Unltd Cashback, Dining & Overseas Boost

  • 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k
Citi Cash Back Card is great for consumers seeking unlimited cashback and secure shopping. Cardholders earn an uncapped 2% cashback on all their dining, hotel and overseas spend, and 1% on all general retail. Since dining represents a significant amount of most consumers spend, earning boosted cashback here is quite beneficial.


On every purchase made with Citi Cash Back Card, consumers can enjoy free Purchase Protection against loss or damages for up to US$7.6k (~HKK$58K), allowing them to shop worry-free. Additionally, cardholders gain access to Visa Signature & Citi World Privileges, which provides discounts on restaurants, travel bookings and more. Altogether, Citi Cash Back Card provides consumers with a great opportunity to earn unlimited cashback and enjoy stress-free shopping.

  • Stand-Out: 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k
Citi Cash Back Card is great for consumers seeking unlimited cashback and secure shopping. Cardholders earn an uncapped 2% cashback on all their dining, hotel and overseas spend, and 1% on all general retail. Since dining represents a significant amount of most consumers spend, earning boosted cashback here is quite beneficial.


On every purchase made with Citi Cash Back Card, consumers can enjoy free Purchase Protection against loss or damages for up to US$7.6k (~HKK$58K), allowing them to shop worry-free. Additionally, cardholders gain access to Visa Signature & Citi World Privileges, which provides discounts on restaurants, travel bookings and more. Altogether, Citi Cash Back Card provides consumers with a great opportunity to earn unlimited cashback and enjoy stress-free shopping.

Standard Chartered Simply Cash Visa Card: Unltd Cashback With Top Base Rates

  • 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
  • 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
  • Visa Signature Privileges & The Good Life Year-Round Offers
Consumers seeking uncomplicated, unlimited cashback along should consider Standard Chartered Simply Cash Visa Card. Cardholders earn uncapped 2% cashback on spend–both in-store and online–in foreign currency, and 1.5% cashback on local currency spend. These respectable rates coupled with a lack of rewards limits or spend requirements, allow consumers to simply spend and earn rewards without having to consider their monthly spend or the category of their purchase.


Standard Chartered Simply Cash Visa Card is also relatively accessible. Most cashback cards require a minimum salary of HK$150k, while SC Simply Cash Visa requires just HK$96k. The annual fee of HK$2k, waived for the first year, is also waived perpetually for Standard Chartered Bonus Payroll, Priority or Premium Banking accounts. Altogether, consumers looking for easy, unlimited cashback, should consider Standard Chartered Simply Cash Visa Card.

  • 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
  • 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
  • Visa Signature Privileges & The Good Life Year-Round Offers
Consumers seeking uncomplicated, unlimited cashback along should consider Standard Chartered Simply Cash Visa Card. Cardholders earn uncapped 2% cashback on spend–both in-store and online–in foreign currency, and 1.5% cashback on local currency spend. These respectable rates coupled with a lack of rewards limits or spend requirements, allow consumers to simply spend and earn rewards without having to consider their monthly spend or the category of their purchase.


Standard Chartered Simply Cash Visa Card is also relatively accessible. Most cashback cards require a minimum salary of HK$150k, while SC Simply Cash Visa requires just HK$96k. The annual fee of HK$2k, waived for the first year, is also waived perpetually for Standard Chartered Bonus Payroll, Priority or Premium Banking accounts. Altogether, consumers looking for easy, unlimited cashback, should consider Standard Chartered Simply Cash Visa Card.

HSBC Red Credit Card: No-Fee Unltd Online & Groceries Rebate

  • 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
  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers
HSBC Red Credit Card is ideal for consumers who want high, uncapped cashback on their online shopping and grocery spend, without paying an annual fee. Cardholders earn unlimited 4% cashback on their online spend, 2% cashback on supermarket spend, and 1% on all other spend. Since these rates have no upper limits, cardholders don’t have to worry about their rewards drying up after a certain spending amount.


Consumers also enjoy access to HSBC Year-round Offers which include discounts on dining, shopping, online purchases and more, as well as card-specific merchant offers like HK$20 discounts on Deliveroo orders. As mentioned, HSBC Red Credit Card has no annual fees, allowing consumers to earn cashback without paying for the right to do so. With no upper limits, spend requirements, or annual fees, HSBC Red Credit Card offers consumers the opportunity to earn easy cashback every day.

  • 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
  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers
HSBC Red Credit Card is ideal for consumers who want high, uncapped cashback on their online shopping and grocery spend, without paying an annual fee. Cardholders earn unlimited 4% cashback on their online spend, 2% cashback on supermarket spend, and 1% on all other spend. Since these rates have no upper limits, cardholders don’t have to worry about their rewards drying up after a certain spending amount.


Consumers also enjoy access to HSBC Year-round Offers which include discounts on dining, shopping, online purchases and more, as well as card-specific merchant offers like HK$20 discounts on Deliveroo orders. As mentioned, HSBC Red Credit Card has no annual fees, allowing consumers to earn cashback without paying for the right to do so. With no upper limits, spend requirements, or annual fees, HSBC Red Credit Card offers consumers the opportunity to earn easy cashback every day.

HSBC Visa Signature Card: Tailored Cashback & Luxury Perks

  • 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers
HSBC Visa Signature Card provides consumers the opportunity to customise their cashback and enjoy convenient lounge access. To start, cardholders earn 1.6% cashback across the categories of (spend overseas, in mainland China and Macau, on dining, home, entertainment and lifestyle) as well as a bonus +2% cashback which can be allocated across the categories, or dumped into one. Additionally, cardholders who spend at least HK$3k per quarter receive an additional +2% cashback on their online and overseas spend. As an example, consumers can max out the overseas category to earn as much as 5.6% cashback on spend during their travels. Alternatively, they can optimise the rewards structure in any other way that best fits their lifestyle.


Cardholders can also enjoy 1 free lounge visit every month, as long as they made a transaction of at least HK1.5k. In this manner, consumers can enjoy up to 12 free lounge visits per year, much more than the market standard of 3 offered by other cards with luxury perks. Consumers should note that since the minimum income requirement is HK$360k, making HSBC Visa Signature Card less accessible to everyday consumers. Nonetheless, HSBC Visa Signature Card is ideal for consumers looking to customise their cashback and still earn respectable rates across all featured categories.

  • Stand-Out: 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers
HSBC Visa Signature Card provides consumers the opportunity to customise their cashback and enjoy convenient lounge access. To start, cardholders earn 1.6% cashback across the categories of (spend overseas, in mainland China and Macau, on dining, home, entertainment and lifestyle) as well as a bonus +2% cashback which can be allocated across the categories, or dumped into one. Additionally, cardholders who spend at least HK$3k per quarter receive an additional +2% cashback on their online and overseas spend. As an example, consumers can max out the overseas category to earn as much as 5.6% cashback on spend during their travels. Alternatively, they can optimise the rewards structure in any other way that best fits their lifestyle.


Cardholders can also enjoy 1 free lounge visit every month, as long as they made a transaction of at least HK1.5k. In this manner, consumers can enjoy up to 12 free lounge visits per year, much more than the market standard of 3 offered by other cards with luxury perks. Consumers should note that since the minimum income requirement is HK$360k, making HSBC Visa Signature Card less accessible to everyday consumers. Nonetheless, HSBC Visa Signature Card is ideal for consumers looking to customise their cashback and still earn respectable rates across all featured categories.

BEA Visa Signature Card: Top Dining Rebates

  • 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend
Consumers looking for impressive cashback when dining out should consider BEA Visa Signature Card. Cardholders earn 2.4% cashback on local dining, 1.6% overseas and 0.4% on general spend. Consumers can also enjoy up to 20% off popular local restaurants with exclusive Visa Signature and BEA Year-Round Offers discounts. While BEA Visa Signature does have a HK$1.8k annual fee, it's waived for cardholders with BEA Mandatory Provident Fund, deposit, consumer or mortgage loan accounts. Altogether, BEA Visa Signature Card is a great option for foodies who want special rebates & discounts on their dining spend.
  • Stand-Out: 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend
Consumers looking for impressive cashback when dining out should consider BEA Visa Signature Card. Cardholders earn 2.4% cashback on local dining, 1.6% overseas and 0.4% on general spend. Consumers can also enjoy up to 20% off popular local restaurants with exclusive Visa Signature and BEA Year-Round Offers discounts. While BEA Visa Signature does have a HK$1.8k annual fee, it's waived for cardholders with BEA Mandatory Provident Fund, deposit, consumer or mortgage loan accounts. Altogether, BEA Visa Signature Card is a great option for foodies who want special rebates & discounts on their dining spend.

Best High Income Credit Cards

These cards are perfect for high-earners who want to enjoy luxury perks.

Citi Prestige Card: Top-of-Line Luxury Perks

  • Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Citi Prestige Card is ideal for wealthy consumers who want the best luxury perks on the market. Cardholders earn 0.25 miles per HK$1 overseas spend, 0.167 miles per HK$1 general retail, a yearly “Thank You Gift” of 20k miles. Additionally, consumers can receive additional Annual Relationship Points based on the cardholder’s relationship type and tenure with Citi. While the amount of Annual Relationship Points cardholders will receive varies, it can be as much as 30% of the points earned in the past year.


In terms of perks, cardholders receive free 4th night at any hotel, free lounge access before every flight, and waived green fees at select golf courses across Asia. Receiving a completely free hotel night is a very rare credit card perk, and most free lounge visits offered by cards have a spend requirement and a yearly cap on the number of visits. With a minimum income requirement of HK$600k and HK$3.8k annual fee, Citi Prestige Card is only accessible to wealthier consumers. Nonetheless, for those who can access it, Citi Prestige Card offers the best luxury perks available.

  • Stand-Out: Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Citi Prestige Card is ideal for wealthy consumers who want the best luxury perks on the market. Cardholders earn 0.25 miles per HK$1 overseas spend, 0.167 miles per HK$1 general retail, a yearly “Thank You Gift” of 20k miles. Additionally, consumers can receive additional Annual Relationship Points based on the cardholder’s relationship type and tenure with Citi. While the amount of Annual Relationship Points cardholders will receive varies, it can be as much as 30% of the points earned in the past year.


In terms of perks, cardholders receive free 4th night at any hotel, free lounge access before every flight, and waived green fees at select golf courses across Asia. Receiving a completely free hotel night is a very rare credit card perk, and most free lounge visits offered by cards have a spend requirement and a yearly cap on the number of visits. With a minimum income requirement of HK$600k and HK$3.8k annual fee, Citi Prestige Card is only accessible to wealthier consumers. Nonetheless, for those who can access it, Citi Prestige Card offers the best luxury perks available.

DBS Eminent Visa Signature Card: Unltd Rebates for Wealthy DBS Loyalists

  • Unltd. 2% overseas cashback + free limo transfers
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
  • Read Our Full Review
  • Annual fee: HK$2k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • 3 free limo transfers per qtr w/ HK$100k spend/qtr (DBS Treasures Private Clients only)
  • E-commerce and Fraudulent Transaction protections
High-spending DBS loyalists looking for uncapped rebates should definitely consider DBS Eminent Visa Signature Card. Cardholders earn an unlimited 2% rebate on foreign currency spend, and 1% rebate on general retail. Higher spenders in particular benefit from earning rewards proportional to their spend, as opposed to hitting unfortunate rebate caps other cashback cards impose.


DBS Treasures Private Clients can also enjoy 3 free limo transfer services per quarter, as long as they’ve spent at least HK$100k in that quarter. This adds up to 12 free limo transfer services per quarter, far outperforming competing limo perks which only offer discounted rates, at best. Consumers should note that cardholders must have a minimum annual income of HK$360k, making it less accessible towards everyday consumers. Ultimately, DBS Eminent Visa Signature is great for wealthy DBS Loyalists seeking uncapped rebates.

  • Stand-Out: Unltd. 2% overseas cashback + free limo transfers
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
  • Read Our Full Review
  • Annual fee: HK$2k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • 3 free limo transfers per qtr w/ HK$100k spend/qtr (DBS Treasures Private Clients only)
  • E-commerce and Fraudulent Transaction protections
High-spending DBS loyalists looking for uncapped rebates should definitely consider DBS Eminent Visa Signature Card. Cardholders earn an unlimited 2% rebate on foreign currency spend, and 1% rebate on general retail. Higher spenders in particular benefit from earning rewards proportional to their spend, as opposed to hitting unfortunate rebate caps other cashback cards impose.


DBS Treasures Private Clients can also enjoy 3 free limo transfer services per quarter, as long as they’ve spent at least HK$100k in that quarter. This adds up to 12 free limo transfer services per quarter, far outperforming competing limo perks which only offer discounted rates, at best. Consumers should note that cardholders must have a minimum annual income of HK$360k, making it less accessible towards everyday consumers. Ultimately, DBS Eminent Visa Signature is great for wealthy DBS Loyalists seeking uncapped rebates.

American Express Cathay Pacific Elite Credit Card: Unltd Lounge Access for Cathay Pacific Loyalists

  • 10 free lounge visits/yr at HKIA
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • American Express Cathay Pacific Elite Credit Card
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership 0.333 miles per HK$1 Cathay Pacific flight spend, 0.250 miles overseas & 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership
American Express Cathay Pacific Elite Credit Card is perfect for Cathay Pacific loyalists with above average incomes.. Cardholders earn 0.333 miles per HK$1 Cathay Pacific flight booking spend, 0.250 miles per HK$1 foreign currency spend, and 0.167 miles per HK$1 general local spend. Consumers also receive enrollment fee waivers for a Green tier membership to the Marco Polo Club, the frequent flyer rewards program of Cathay Pacific. Marco Polo Club membership allows cardholders to earn additional Club Points on Cathay Pacific Flights, and grants them access to perks like priority booking, lounge access, seat upgrades and more.


Additionally, cardholders can enjoy 10 free Plaza Premium lounge visits per year, with no minimum spend requirements. Consumers can also access a fee waiver with HK$150k annual spend or by holding Marco Polo Club Silver tier membership. Since American Express Cathay Pacific Elite Credit Card has a minimum income requirement of HK$300k, it is only accessible to those with above average incomes. Nonetheless, higher-earning consumers loyal to Cathay Pacific can greatly benefit from American Express Cathay Pacific Elite Card's top miles rewards and luxury convenience.

  • Stand-Out: 10 free lounge visits/yr at HKIA
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • American Express Cathay Pacific Elite Credit Card
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership 0.333 miles per HK$1 Cathay Pacific flight spend, 0.250 miles overseas & 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership
American Express Cathay Pacific Elite Credit Card is perfect for Cathay Pacific loyalists with above average incomes.. Cardholders earn 0.333 miles per HK$1 Cathay Pacific flight booking spend, 0.250 miles per HK$1 foreign currency spend, and 0.167 miles per HK$1 general local spend. Consumers also receive enrollment fee waivers for a Green tier membership to the Marco Polo Club, the frequent flyer rewards program of Cathay Pacific. Marco Polo Club membership allows cardholders to earn additional Club Points on Cathay Pacific Flights, and grants them access to perks like priority booking, lounge access, seat upgrades and more.


Additionally, cardholders can enjoy 10 free Plaza Premium lounge visits per year, with no minimum spend requirements. Consumers can also access a fee waiver with HK$150k annual spend or by holding Marco Polo Club Silver tier membership. Since American Express Cathay Pacific Elite Credit Card has a minimum income requirement of HK$300k, it is only accessible to those with above average incomes. Nonetheless, higher-earning consumers loyal to Cathay Pacific can greatly benefit from American Express Cathay Pacific Elite Card's top miles rewards and luxury convenience.

Best Online & Shopping Credit Cards

Consumers can easily enjoy top rewards on their shopping with these cards.

Hang Seng MPOWER Card: No-Fee Cashback for Modern Consumers

  • 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
  • Annual fee: Free
  • 5% Cash Dollars rebate for mobile spend on local dining, fashion & entertainment (w/ HK$3k spend/mo)
  • 5% Cash Dollars rebate on online & overseas transactions of HK$300+ (w/ HK$3k spend/mo)
  • 0.4% Cash Dollars rebate on general spend
  • Up to 8 free movie tickets/year, free popcorn & more at MCL Cinemas
Modern social spenders looking for a maintenance-free option should consider Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars rebate on mobile spend with local dining, entertainment and fashion. Additionally, consumers will earn the same 5% Cash Dollars rebate on transactions of HK$300 or more online and overseas. While these high rates require spend of HK$3k per month, this is a fairly achievable level. All other non-mobile spend will earn just a 0.4% Cash Dollars rebate, so consumers uncomfortable with mobile spend should consider more traditional cards. Cash Dollars can only be redeemed on spend with select vendors, although there are over 7,400 eligible merchant outlets which accept them.


Additionally, Hang Seng MPOWER has no annual fee, meaning modern consumers can easily earn these remarkable rates on their social mobile pay without having to worry about extra costs cutting in to their rewards. As an added perk, cardholders gain access to a number of entertainment perks like priority concert booking, free movie tickets and more. Altogether, Hang Seng MPOWER is ideal for modern consumers looking for high cashback rates without an annual fee.

  • 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
  • Annual fee: Free
  • 5% Cash Dollars rebate for mobile spend on local dining, fashion & entertainment (w/ HK$3k spend/mo)
  • 5% Cash Dollars rebate on online & overseas transactions of HK$300+ (w/ HK$3k spend/mo)
  • 0.4% Cash Dollars rebate on general spend
  • Up to 8 free movie tickets/year, free popcorn & more at MCL Cinemas
Modern social spenders looking for a maintenance-free option should consider Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars rebate on mobile spend with local dining, entertainment and fashion. Additionally, consumers will earn the same 5% Cash Dollars rebate on transactions of HK$300 or more online and overseas. While these high rates require spend of HK$3k per month, this is a fairly achievable level. All other non-mobile spend will earn just a 0.4% Cash Dollars rebate, so consumers uncomfortable with mobile spend should consider more traditional cards. Cash Dollars can only be redeemed on spend with select vendors, although there are over 7,400 eligible merchant outlets which accept them.


Additionally, Hang Seng MPOWER has no annual fee, meaning modern consumers can easily earn these remarkable rates on their social mobile pay without having to worry about extra costs cutting in to their rewards. As an added perk, cardholders gain access to a number of entertainment perks like priority concert booking, free movie tickets and more. Altogether, Hang Seng MPOWER is ideal for modern consumers looking for high cashback rates without an annual fee.

CCB eye Platinum Credit Card: Maintenance Free Miles on Contactless Spend

  • Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB
CCB eye Platinum Card is perfect for modern consumers seeking impressive miles rates without paying an annual fee. Cardholders earn 0.333 miles per HK$1 spend with online and mobile pay, boosted to 0.469 miles per HK$1 spend when these transactions occur overseas. Consumers also earn 0.201 miles per HK$1 on non-mobile overseas spend, and 0.067 miles per HK$1 on non-mobile general retail. Since the miles rates for mobile and online spend are so much higher than those of traditional spend, CCB eye Platinum Card is geared towards consumers for comfortable with these spend methods.


Cardholders can also take advantage of Year-Round offers from CCB, including discounts on online and in-store shopping. Finally, CCB eye Platinum Card offers waived annual fees, making it perfect for modern consumers to rapidly without having to worry about paying an annual fee.

  • Stand-Out: Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB
CCB eye Platinum Card is perfect for modern consumers seeking impressive miles rates without paying an annual fee. Cardholders earn 0.333 miles per HK$1 spend with online and mobile pay, boosted to 0.469 miles per HK$1 spend when these transactions occur overseas. Consumers also earn 0.201 miles per HK$1 on non-mobile overseas spend, and 0.067 miles per HK$1 on non-mobile general retail. Since the miles rates for mobile and online spend are so much higher than those of traditional spend, CCB eye Platinum Card is geared towards consumers for comfortable with these spend methods.


Cardholders can also take advantage of Year-Round offers from CCB, including discounts on online and in-store shopping. Finally, CCB eye Platinum Card offers waived annual fees, making it perfect for modern consumers to rapidly without having to worry about paying an annual fee.

BEA i-Titanium Card: Highest Cashback for Online Shopping

  • 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
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases
BEA i-Titanium Card offers consumers an accessible way to earn one of the highest online shopping rebates available. Cardholders earn 3.4% cashback online and 0.4% cashback on other local and overseas spend. Consumers must spend HK$1.8k per month to earn the boosted online rate, which is capped at HK$200 extra cashback per month. Most consumers, however, won't reach the HK$6,667 monthly online spend required to hit this rewards cap.


In terms of perks, cardholders enjoy convenient BEA Year-Round Offers and access to 0% interest instalment plans. BEA i-Titanium also has a low HK$40k minimum income requirement, making it accessible to most consumers. What's more, the card's annual fee is just HK$600, waived for BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders. Altogether, frequent online shoppers of nearly all income levels can rapidly earn cashback with BEA i-Titanium Card.

  • 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
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases
BEA i-Titanium Card offers consumers an accessible way to earn one of the highest online shopping rebates available. Cardholders earn 3.4% cashback online and 0.4% cashback on other local and overseas spend. Consumers must spend HK$1.8k per month to earn the boosted online rate, which is capped at HK$200 extra cashback per month. Most consumers, however, won't reach the HK$6,667 monthly online spend required to hit this rewards cap.


In terms of perks, cardholders enjoy convenient BEA Year-Round Offers and access to 0% interest instalment plans. BEA i-Titanium also has a low HK$40k minimum income requirement, making it accessible to most consumers. What's more, the card's annual fee is just HK$600, waived for BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders. Altogether, frequent online shoppers of nearly all income levels can rapidly earn cashback with BEA i-Titanium Card.

Citi Clear Card: Accessible Cashback for Online Foreign Brands

  • Annual fee: HK$300
  • 2% cashback on online spend made in a foreign currency
  • 0.4% cashback on all other spend
  • Citi World Privileges
Citi Clear Card is perfect for fans of foreign brands who frequently shop online. Cardholders earn 2% cashback on online spend in foreign currencies, and a market-standard 0.4% cashback on all other spend. Citi Clear Card also has a notably low minimum income requirement of just HK$60k compared to the market standard HK$150k. While there is an annual fee, it is just HK$300. Altogether, Citi Clear Card provides an accessible option for consumers to earn cashback on their online overseas shopping sprees.
  • Annual fee: HK$300
  • 2% cashback on online spend made in a foreign currency
  • 0.4% cashback on all other spend
  • Citi World Privileges
Citi Clear Card is perfect for fans of foreign brands who frequently shop online. Cardholders earn 2% cashback on online spend in foreign currencies, and a market-standard 0.4% cashback on all other spend. Citi Clear Card also has a notably low minimum income requirement of just HK$60k compared to the market standard HK$150k. While there is an annual fee, it is just HK$300. Altogether, Citi Clear Card provides an accessible option for consumers to earn cashback on their online overseas shopping sprees.

Citi Rewards Card: Boosted Miles With Well-Known Local Merchants

  • 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
  • Annual fee: HK$1.8k
  • 0.333 miles per HK$1 local spend w/ select supermarkets, department stores & telecom providers
  • 0.067 miles per HK$1 general spend
  • Citi World Privileges
Consumers seeking remarkable miles rates with popular local merchants should consider Citi Rewards Card. Although cardholders earn 0.067 miles per HK$1 general retail, they earn an impressive 0.333 miles per HK$1 spend with select department stores, supermarkets and telecom providers. While the list of eligible merchants is limited, the selection includes well-known establishments like AEON, Wellcome, PARKnSHOP, CityLink, China Mobile & more. Citi Rewards Visa is especially outstanding since very few cards offer rewards for telecom bill payment, let alone a miles offering as generous as this.


As if that wasn’t enough, consumers also enjoy Citi World Privileges including discounts on major fashion, electronics, and other retailers. Overall, Citi Rewards Card is great for consumers who frequently spend with top vendors and telecom providers in Hong Kong.

  • 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
  • Annual fee: HK$1.8k
  • 0.333 miles per HK$1 local spend w/ select supermarkets, department stores & telecom providers
  • 0.067 miles per HK$1 general spend
  • Citi World Privileges
Consumers seeking remarkable miles rates with popular local merchants should consider Citi Rewards Card. Although cardholders earn 0.067 miles per HK$1 general retail, they earn an impressive 0.333 miles per HK$1 spend with select department stores, supermarkets and telecom providers. While the list of eligible merchants is limited, the selection includes well-known establishments like AEON, Wellcome, PARKnSHOP, CityLink, China Mobile & more. Citi Rewards Visa is especially outstanding since very few cards offer rewards for telecom bill payment, let alone a miles offering as generous as this.


As if that wasn’t enough, consumers also enjoy Citi World Privileges including discounts on major fashion, electronics, and other retailers. Overall, Citi Rewards Card is great for consumers who frequently spend with top vendors and telecom providers in Hong Kong.

DBS COMPASS Visa: Top Cashback with Popular Vendors

  • 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:
  • 6 MCL Movie Ticket Vouchers
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 3% COMPASS Dollars rebate on Taobao & Tmall online spend
  • 1% COMPASS Dollars rebate w/ select merchants like Watsons, PARKnSHOP & more
  • 0.4% COMPASS Dollars rebate on general spend
  • 0% interest instalment plan
DBS COMPASS Visa Card is a great option for consumers seeking cashback at popular local and online merchants. Cardholders earn a 3% COMPASS Dollars rebate on spend with Tmall and Taobao, as well as a 1% COMPASS Dollars rebate with popular retailers like PARKnSHOP, Fusion online supermarket, Watsons, & more. Earned COMPASS Dollars can be used to offset spend with many of these well-known retailers, or alternatively redeemed for Asia Miles. Since consumers only earn a 0.4% COMPASS Dollars rebate on all other spend, DBS Compass Visa is geared towards local spenders who do most of their shopping at major retailers and online merchants.


Consumers enjoy peace of mind with every purchase with DBS’s shopping and fraud protection. Additionally, cardholders can also take advantage of 0% interest instalment plans offered by DBS, which allows them to spread larger purchases into manageable payments. Finally, DBS COMPASS Visa is more accessible than most cards, requiring an annual income of HK$100k compared to the usual HK$150k. Altogether, DBS COMPASS Visa provides consumers with the opportunity to earn respectable rebates on spend with well-known merchants.

  • 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:
  • 6 MCL Movie Ticket Vouchers
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 3% COMPASS Dollars rebate on Taobao & Tmall online spend
  • 1% COMPASS Dollars rebate w/ select merchants like Watsons, PARKnSHOP & more
  • 0.4% COMPASS Dollars rebate on general spend
  • 0% interest instalment plan
DBS COMPASS Visa Card is a great option for consumers seeking cashback at popular local and online merchants. Cardholders earn a 3% COMPASS Dollars rebate on spend with Tmall and Taobao, as well as a 1% COMPASS Dollars rebate with popular retailers like PARKnSHOP, Fusion online supermarket, Watsons, & more. Earned COMPASS Dollars can be used to offset spend with many of these well-known retailers, or alternatively redeemed for Asia Miles. Since consumers only earn a 0.4% COMPASS Dollars rebate on all other spend, DBS Compass Visa is geared towards local spenders who do most of their shopping at major retailers and online merchants.


Consumers enjoy peace of mind with every purchase with DBS’s shopping and fraud protection. Additionally, cardholders can also take advantage of 0% interest instalment plans offered by DBS, which allows them to spread larger purchases into manageable payments. Finally, DBS COMPASS Visa is more accessible than most cards, requiring an annual income of HK$100k compared to the usual HK$150k. Altogether, DBS COMPASS Visa provides consumers with the opportunity to earn respectable rebates on spend with well-known merchants.

Best UnionPay Credit Cards

Frequent regional travellers should definitely consider these cards for their convenient travel perks.

EarnMORE UnionPay Diamond Card: Highest Flat Cashback

  • 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
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas & online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 free lounge visits/yr
EarnMORE UnionPay Diamond Card offers consumers the highest flat cashback rate available. Cardholders earn an impressive 2% cashback on their online, overseas, and local spend–including Octopus AAVS top-ups–which covers just about every category. As such, consumers can earn top cashback on every purchase, regardless of category or location.


Cardholders can also enjoy waived foreign currency transaction fees, flat rate limo transfer services and up to 3 free lounge visits per year. While there's an annual fee, it's relatively low at just HK$800 and is waived for the first 2 years. Altogether, consumers seeking the highest flat rebate available should definitely consider EarnMORE UnionPay Diamond Card.

  • 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
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas & online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 free lounge visits/yr
EarnMORE UnionPay Diamond Card offers consumers the highest flat cashback rate available. Cardholders earn an impressive 2% cashback on their online, overseas, and local spend–including Octopus AAVS top-ups–which covers just about every category. As such, consumers can earn top cashback on every purchase, regardless of category or location.


Cardholders can also enjoy waived foreign currency transaction fees, flat rate limo transfer services and up to 3 free lounge visits per year. While there's an annual fee, it's relatively low at just HK$800 and is waived for the first 2 years. Altogether, consumers seeking the highest flat rebate available should definitely consider EarnMORE UnionPay Diamond Card.

WeWa UnionPay Diamond Card: Rebates on Local Leisure + Travel Bookings

  • 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
  • Annual fee: HK$800, 2-yr waiver
  • 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
Those looking for remarkable rewards on their vacation planning and local entertainment spend should definitely consider WeWa UnionPay Diamond Card. Although cardholders earn just 0.4% cashback on general spend, they earn an outstanding 4% cashback for their vacation planning and local leisure spend with select merchants. Although the list of eligible merchants is limited it includes major businesses such as Disneyland, Ocean Park, Neway Red, AMC Cinemas, China Travel Service, Agoda, Cathay Pacific, Hong Kong Airlines, British Airlines & more. Accordingly, cardholders can earn impressive cashback on all types of local entertainment spend and flight bookings around the world.


During their travels, consumers can enjoy convenient perks like waived foreign currency transaction fees, discounted limo service, and up to 3 complimentary lounge visits per year. Altogether, cardholders can enjoy some of the top cashback rates on flight bookings and on their local leisure WeWa UnionPay Diamond Card.

  • 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
  • Annual fee: HK$800, 2-yr waiver
  • 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
Those looking for remarkable rewards on their vacation planning and local entertainment spend should definitely consider WeWa UnionPay Diamond Card. Although cardholders earn just 0.4% cashback on general spend, they earn an outstanding 4% cashback for their vacation planning and local leisure spend with select merchants. Although the list of eligible merchants is limited it includes major businesses such as Disneyland, Ocean Park, Neway Red, AMC Cinemas, China Travel Service, Agoda, Cathay Pacific, Hong Kong Airlines, British Airlines & more. Accordingly, cardholders can earn impressive cashback on all types of local entertainment spend and flight bookings around the world.


During their travels, consumers can enjoy convenient perks like waived foreign currency transaction fees, discounted limo service, and up to 3 complimentary lounge visits per year. Altogether, cardholders can enjoy some of the top cashback rates on flight bookings and on their local leisure WeWa UnionPay Diamond Card.

HSBC Pulse UnionPay Dual Currency Diamond Card: Regional Convenience + Custom Cashback

  • 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
  • Annual fee: HK$1.8, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +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
HSBC Pulse UnionPay Dual Currency Diamond Card is ideal for frequent regional travellers that want rewards tailored to fit their spending habits. Cardholders initially earn 0.4% cashback as a base rate, along with a bonus +2% cashback on which can be allocated across the spending categories of spend overseas, mainland China and Macau, dining, home, entertainment & lifestyle however they see fit. On top of this, online and overseas spend earn an additional +2% cashback as long as the cardholder spends at least HK$3k per quarter, which is only HK$1k a month on average.


During their regional travels, cardholders can enjoy separate billing for their HKD and RMB spend, and waived foreign currency transaction fees for purchases made in RMB and MOP. Although spend in other currencies is subject to a 1% fee, this is still lower than the 1.95% market average most competing cards charge. Additionally, consumers can enjoy up to 3 free lounge visits a year (with at least HK$12k spend in the previous 2 months), along with limo rides for a flat rate of HK$250, allowing them to ease the stresses of travel. All in all, HSBC Pulse UnionPay Dual Currency Diamond Card provides frequent travellers with convenient perks and cashback that fits their lifestyle.

  • 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
  • Annual fee: HK$1.8, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +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
HSBC Pulse UnionPay Dual Currency Diamond Card is ideal for frequent regional travellers that want rewards tailored to fit their spending habits. Cardholders initially earn 0.4% cashback as a base rate, along with a bonus +2% cashback on which can be allocated across the spending categories of spend overseas, mainland China and Macau, dining, home, entertainment & lifestyle however they see fit. On top of this, online and overseas spend earn an additional +2% cashback as long as the cardholder spends at least HK$3k per quarter, which is only HK$1k a month on average.


During their regional travels, cardholders can enjoy separate billing for their HKD and RMB spend, and waived foreign currency transaction fees for purchases made in RMB and MOP. Although spend in other currencies is subject to a 1% fee, this is still lower than the 1.95% market average most competing cards charge. Additionally, consumers can enjoy up to 3 free lounge visits a year (with at least HK$12k spend in the previous 2 months), along with limo rides for a flat rate of HK$250, allowing them to ease the stresses of travel. All in all, HSBC Pulse UnionPay Dual Currency Diamond Card provides frequent travellers with convenient perks and cashback that fits their lifestyle.

CCB Octopus UnionPay Dual Currency Credit Card: Regional Travel and Commuting Convenience

  • Dual Octopus functionality, waived annual fee
  • Promotions: HK$300 Shell Fuel voucher w/ HK$4k spend & 1 fuel spend in 1st 3mo, OR:
  • HK$250 Octopus Cash Rebate w/ HK$4k spend & 1 Octopus Auto Reload in 1st 3mo
  • HK$100 supermarket coupon for online application
  • Read Our Full Review
  • Annual Fee: Free
  • 0.4% cashback on all spend
  • All-in-one card w/ Octopus functionality
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
CCB Octopus UnionPay Dual Currency Credit Card provides consumers with added commuting and regional travel convenience without charging an annual fee. Although cardholders do earn 0.4% cashback on all spend, what truly stands out are the convenient perks. Consumers can enjoy Octopus card functionality, allowing them to streamline their wallet with ease.


During regional travels, consumers can also enjoy waived foreign currency transaction fees and separate billing for their HKD and RMB spend. Cardholders are also frequently offered discounts on cross-border bus tickets and emergency travel insurance. Overall, for CCB Octopus UnionPay Dual Currency Credit Card is a great fit for everyday commuters seeking convenience during their regional travels.

  • Stand-Out: Dual Octopus functionality, waived annual fee
  • Promotions: HK$300 Shell Fuel voucher w/ HK$4k spend & 1 fuel spend in 1st 3mo, OR:
  • HK$250 Octopus Cash Rebate w/ HK$4k spend & 1 Octopus Auto Reload in 1st 3mo
  • HK$100 supermarket coupon for online application
  • Read Our Full Review
  • Annual Fee: Free
  • 0.4% cashback on all spend
  • All-in-one card w/ Octopus functionality
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
CCB Octopus UnionPay Dual Currency Credit Card provides consumers with added commuting and regional travel convenience without charging an annual fee. Although cardholders do earn 0.4% cashback on all spend, what truly stands out are the convenient perks. Consumers can enjoy Octopus card functionality, allowing them to streamline their wallet with ease.


During regional travels, consumers can also enjoy waived foreign currency transaction fees and separate billing for their HKD and RMB spend. Cardholders are also frequently offered discounts on cross-border bus tickets and emergency travel insurance. Overall, for CCB Octopus UnionPay Dual Currency Credit Card is a great fit for everyday commuters seeking convenience during their regional travels.

Jacob Weiss

Jacob is a Junior Research Analyst at ValueChampion, focusing on credit cards and other consumer financial products. Previously, he covered hedge funds and long only products for Cambridge Associates. He holds a B.S. in Finance from the University of Maryland and has passed Level 1 of the CFA exam.