Best Credit Cards in Hong Kong for Overseas Spending 2020

After reviewing 300+ credit cards, we've identified the best options for frequent travellers. We've based our selection on overseas rewards rates as well as regional and luxury travel perks.

Best Overall Miles Credit Cards for Overseas Spending
Best Airline Miles Credit Cards for Overseas Spending
Best Cashback Credit Cards for Overseas Spending
Best Credit Cards for Regional Travel & Spending
Best High Income Credit Cards for Overseas Spending

Compare Best Credit Cards for Overseas Spending by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best credit cards for overseas spending 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 credit cards for Overseas Spending compare to one another in terms of their rewards
Best Credit Cards for Overseas Spending in Hong Kong by Estimated 2-Year Dollar Value
Best Credit Cards for Miles Overall Best Credit Cards for Airline Miles Best Credit Cards for Cashback Best Cards for Regional Travel & Spending Best High Income Credit Cards

Compare Best Credit Cards for Overseas Spending by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best credit cards for overseas spending 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 credit cards for Overseas Spending compare to one another in terms of their rewards
Best Credit Cards for Overseas Spending in Hong Kong by Estimated 2-Year Dollar Value

Best Overall Miles Credit Cards for Overseas Spending

These cards are great frequent travellers seeking top overseas miles rates.

Standard Chartered Asia Miles Mastercard: Boosted Travel Rates & Rewards for Banking

  • 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
Frequent travellers seeking impressive rewards on their dining, overseas and online spend should take a close look at Standard Chartered Asia Miles Mastercard. Cardholders earn an impressive 0.25 miles per HK$1 overseas, online–including online flight bookings–and on dining. In addition to high miles rates on vacation spend and flight bookings, foodies earn 0.75 miles per HK$1 spend at select local restaurants, boosted to 1.25 miles per HK$1 spend on Mondays. Earned miles are automatically credited to the cardholder's Asia Miles account with no conversion fee.


Existing Priority or Premium Banking customers of Standard Chartered can also earn up to 490 miles every month simply by maintaining their accounts. Cardholders will earn 70 miles for each category of product (categories include online banking, premium deposit, investments, insurance, payroll, mortgage and personal instalment loans) every month just for maintaining their account. As Priority and Premium Banking services often require significant financial holdings, this is geared more towards wealthier consumers. Consumers with a Bonus Payroll, Priority or Premium account can also enjoy waived annual fees. Ultimately, Standard Chartered Asia Miles Mastercard is a great match for affluent travellers and foodies looking for high miles rates and rewards for their banking activity with SC.

  • 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
Frequent travellers seeking impressive rewards on their dining, overseas and online spend should take a close look at Standard Chartered Asia Miles Mastercard. Cardholders earn an impressive 0.25 miles per HK$1 overseas, online–including online flight bookings–and on dining. In addition to high miles rates on vacation spend and flight bookings, foodies earn 0.75 miles per HK$1 spend at select local restaurants, boosted to 1.25 miles per HK$1 spend on Mondays. Earned miles are automatically credited to the cardholder's Asia Miles account with no conversion fee.


Existing Priority or Premium Banking customers of Standard Chartered can also earn up to 490 miles every month simply by maintaining their accounts. Cardholders will earn 70 miles for each category of product (categories include online banking, premium deposit, investments, insurance, payroll, mortgage and personal instalment loans) every month just for maintaining their account. As Priority and Premium Banking services often require significant financial holdings, this is geared more towards wealthier consumers. Consumers with a Bonus Payroll, Priority or Premium account can also enjoy waived annual fees. Ultimately, Standard Chartered Asia Miles Mastercard is a great match for affluent travellers and foodies looking for high miles rates and rewards for their banking activity with SC.

Citi PremierMiles Card: Quickly Earn Miles & Save on 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
High spenders seeking to quickly earn miles without paying conversion fees should consider Citi PremierMiles Card. Cardholders earn 0.25 miles per HK$1 overseas and online spend, boosted to 0.333 miles for those who spend at least HK$20k each month. Consumers also earn 0.125 miles per HK$1 of local spend, which is an impressive base rate compared to the 0.067 miles per HK$1 offered by many miles cards. There is no service charge for miles conversions, allowing cardholders to freely redeem their rewards for flights around the world.


Frequent travellers can also enjoy free travel insurance and one complimentary lounge visit per month, given that the cardholder spends at least HK$5k in the next month. Additionally, cardholders spending at least HK$100k a year (HK$8,333.33 per month, on average) receive an annual fee waiver, ultimately saving HK$1.8k every year. Altogether, Citi PremierMiles Card is great for high spenders looking to save on fees and earn high miles rates on their overseas spend.

  • 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
High spenders seeking to quickly earn miles without paying conversion fees should consider Citi PremierMiles Card. Cardholders earn 0.25 miles per HK$1 overseas and online spend, boosted to 0.333 miles for those who spend at least HK$20k each month. Consumers also earn 0.125 miles per HK$1 of local spend, which is an impressive base rate compared to the 0.067 miles per HK$1 offered by many miles cards. There is no service charge for miles conversions, allowing cardholders to freely redeem their rewards for flights around the world.


Frequent travellers can also enjoy free travel insurance and one complimentary lounge visit per month, given that the cardholder spends at least HK$5k in the next month. Additionally, cardholders spending at least HK$100k a year (HK$8,333.33 per month, on average) receive an annual fee waiver, ultimately saving HK$1.8k every year. Altogether, Citi PremierMiles Card is great for high spenders looking to save on fees and earn high miles rates on their overseas spend.

DBS Black World Mastercard: Flight Discounts 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:
  • 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 allows travellers to enjoy deep discounts on flights when redeeming miles for flights, travel packages & more. Cardholders earn 0.25 miles per HK$1 overseas spend and 0.167 miles per HK$1 local spend. When cardholders redeem miles through DBS’s iGO platform, they receive a 45% discount on the list price for flights on the platform. Consumers can also automatically convert rewards earned to Asia Miles, KrisFlyer Miles, Air China PhoenixMiles and British Airways Avios without having to pay a handling fee.


Cardholders also enjoy luxury travel perks like discounted lounge access (US$32 per person per visit) and flat rate limo transfer services to and from HKIA. While the card has a relatively high HK$2k annual fee, DBS Black World Mastercard is ultimately still a great option for consumers looking to get more value 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:
  • 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 allows travellers to enjoy deep discounts on flights when redeeming miles for flights, travel packages & more. Cardholders earn 0.25 miles per HK$1 overseas spend and 0.167 miles per HK$1 local spend. When cardholders redeem miles through DBS’s iGO platform, they receive a 45% discount on the list price for flights on the platform. Consumers can also automatically convert rewards earned to Asia Miles, KrisFlyer Miles, Air China PhoenixMiles and British Airways Avios without having to pay a handling fee.


Cardholders also enjoy luxury travel perks like discounted lounge access (US$32 per person per visit) and flat rate limo transfer services to and from HKIA. While the card has a relatively high HK$2k annual fee, DBS Black World Mastercard is ultimately still a great option for consumers looking to get more value from their rewards.

Best Airline Miles Credit Cards for Overseas Spending

Airline loyalists looking to quickly earn miles from their flights should consider the following.

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
Frequent Hong Kong Airlines patrons should consider CCB Hong Kong Airlines Fly Away Credit Card as a maintenance-free way to offset the cost of their next trip. Cardholders earn an impressive 0.25 FWC points per HK$1 spend overseas, on HKA sales channels and inflight retail and 0.167 FWC points per HK$1 local spend. These FWC points can then be redeemed with Hainan Airlines and its subsidiaries (HKA, Grand China & more) and have roughly the same redemption value as Asia Miles.


Consumers can also enjoy up to 5 VIP lounge visits per year at HKIA when flying with HKA. These visits can be redeemed by either the cardholder or their guests (at a rate of one usage per person) and do not have a minimum spend requirement, making it easier to enjoy lounge access at HKA than with most competing cards. Cardholders can also enjoy priority check-in and priority boarding for HKA flights out of HKIA. Altogether, CCB Hong Kong Airlines Fly Away Card offers a great way for HKA frequent flyers to lower the cost of their next flight without worrying about an annual fee.

  • 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
Frequent Hong Kong Airlines patrons should consider CCB Hong Kong Airlines Fly Away Credit Card as a maintenance-free way to offset the cost of their next trip. Cardholders earn an impressive 0.25 FWC points per HK$1 spend overseas, on HKA sales channels and inflight retail and 0.167 FWC points per HK$1 local spend. These FWC points can then be redeemed with Hainan Airlines and its subsidiaries (HKA, Grand China & more) and have roughly the same redemption value as Asia Miles.


Consumers can also enjoy up to 5 VIP lounge visits per year at HKIA when flying with HKA. These visits can be redeemed by either the cardholder or their guests (at a rate of one usage per person) and do not have a minimum spend requirement, making it easier to enjoy lounge access at HKA than with most competing cards. Cardholders can also enjoy priority check-in and priority boarding for HKA flights out of HKIA. Altogether, CCB Hong Kong Airlines Fly Away Card offers a great way for HKA frequent flyers to lower the cost of their next flight without worrying about an annual fee.

BOC Hong Kong Airlines Visa Platinum Card: Boost for Large Ticket Bookings

  • Bonus FWC points on HKA bookings through app or website
  • Promotions: Receive 13k FWC points w/ HK$13k spend & 3 mobile pay in 1st 3mo, OR:
  • Receive 8k FWC points w/ HK$8k spend & 3 mobile pay in 1st 3mo
  • Receive 2k FWC pts (up to 18k) for every additional card application
  • Receive 2k FWC points w/ online application
  • Annual fee: HK$1.6k, 2-yr waiver
  • 0.250 FWC points per HK$1 overseas & online spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • 5 free VIP lounge visits/yr at HKIA when flying with HKA
  • Receive extra FWC points for booking HKA flights through app or website
BOC Hong Kong Airlines Visa Platinum Card offers unique rewards for HKA loyalists who frequently book long-haul or generally expensive flights. Cardholders are rewarded with bonus FWC points for booking flights costing at least HK$5k via Hong Kong Airlines’ website or mobile app. These rewards are based upon the amount of each transaction, but increase by 500 FWC points for every HK$5k increase in single purchase price. On top of receiving bonus points for major flight purchases, cardholders also earn 0.25 FWC points per HK$1 overseas and online spend, as well as 0.167 FWC points per HK$1 local spend. This allows consumers to easily stack rewards for booking large flights online and then enjoy high miles rates when spending at their destination overseas. All spend is converted to FWC points automatically and with no handling fee, unlike most cards that charge at least HK$100+ per conversion. Earned FWC points have about the same redemption value as Asia Miles.


Finally, consumers can also take advantage of 5 free lounge visits per year at HKIA when boarding a HKA flight, which allows cardholders and their loved ones (each using a visit) to enjoy lounge access without spend-based requirements. Altogether, HKA loyalists looking for boosted rewards on their long-haul flight bookings should strongly consider BOC Hong Kong Airlines Visa Platinum Card.

  • Stand-Out: Bonus FWC points on HKA bookings through app or website
  • Promotions: Receive 13k FWC points w/ HK$13k spend & 3 mobile pay in 1st 3mo, OR:
  • Receive 8k FWC points w/ HK$8k spend & 3 mobile pay in 1st 3mo
  • Receive 2k FWC pts (up to 18k) for every additional card application
  • Receive 2k FWC points w/ online application
  • Annual fee: HK$1.6k, 2-yr waiver
  • 0.250 FWC points per HK$1 overseas & online spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • 5 free VIP lounge visits/yr at HKIA when flying with HKA
  • Receive extra FWC points for booking HKA flights through app or website
BOC Hong Kong Airlines Visa Platinum Card offers unique rewards for HKA loyalists who frequently book long-haul or generally expensive flights. Cardholders are rewarded with bonus FWC points for booking flights costing at least HK$5k via Hong Kong Airlines’ website or mobile app. These rewards are based upon the amount of each transaction, but increase by 500 FWC points for every HK$5k increase in single purchase price. On top of receiving bonus points for major flight purchases, cardholders also earn 0.25 FWC points per HK$1 overseas and online spend, as well as 0.167 FWC points per HK$1 local spend. This allows consumers to easily stack rewards for booking large flights online and then enjoy high miles rates when spending at their destination overseas. All spend is converted to FWC points automatically and with no handling fee, unlike most cards that charge at least HK$100+ per conversion. Earned FWC points have about the same redemption value as Asia Miles.


Finally, consumers can also take advantage of 5 free lounge visits per year at HKIA when boarding a HKA flight, which allows cardholders and their loved ones (each using a visit) to enjoy lounge access without spend-based requirements. Altogether, HKA loyalists looking for boosted rewards on their long-haul flight bookings should strongly consider BOC Hong Kong Airlines Visa Platinum Card.

Dah Sing British Airways Platinum Card: Flexible Miles Redemption with Airlines Worldwide

  • 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
Dah Sing British Airways Platinum Card is an excellent choice for global travellers–especially British Airways loyalists–seeking flexibility when redeeming their rewards. Cardholders earn 0.333 Avios per HK$1 spend with British Airways, 0.25 Avios per HK$1 overseas spend, and 0.167 Avios per HK$1 local spend. Avios, the loyalty reward of British Airways’ Executive Club, are roughly equal in value to Asia Miles and can be redeemed for everything from air miles to seating upgrades, hotel stays & more.


While closely associated with British Airways, Avios can also be redeemed with any member of the Oneworld global airline alliance, which includes Cathay Pacific, American Airlines, Japan Airlines and more. This flexibility is perfect for people who occasionally base their airline choice on whichever offers the best deal for a given trip. It's important to mention that flights booked outside of British Airways earn at the base rate of 0.167 miles (compared to elevated rates with the brand); the flexibility discussed above applies to rewards redemption only.

Finally, in terms of perks, cardholders can frequently enjoy up to 10% discounts on round-trip British Airways flights originating from Hong Kong. Consumers can also enjoy Dah Sing Year-Round Offers such as 5%+ discounts on travel bookings with KKDay, Klook, Expedia and more. Altogether, Dah Sing British Airways Platinum Card is a great for travellers who primarily fly with the airline, but who may want to redeem rewards with other brands for certain trips.

  • 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
Dah Sing British Airways Platinum Card is an excellent choice for global travellers–especially British Airways loyalists–seeking flexibility when redeeming their rewards. Cardholders earn 0.333 Avios per HK$1 spend with British Airways, 0.25 Avios per HK$1 overseas spend, and 0.167 Avios per HK$1 local spend. Avios, the loyalty reward of British Airways’ Executive Club, are roughly equal in value to Asia Miles and can be redeemed for everything from air miles to seating upgrades, hotel stays & more.


While closely associated with British Airways, Avios can also be redeemed with any member of the Oneworld global airline alliance, which includes Cathay Pacific, American Airlines, Japan Airlines and more. This flexibility is perfect for people who occasionally base their airline choice on whichever offers the best deal for a given trip. It's important to mention that flights booked outside of British Airways earn at the base rate of 0.167 miles (compared to elevated rates with the brand); the flexibility discussed above applies to rewards redemption only.

Finally, in terms of perks, cardholders can frequently enjoy up to 10% discounts on round-trip British Airways flights originating from Hong Kong. Consumers can also enjoy Dah Sing Year-Round Offers such as 5%+ discounts on travel bookings with KKDay, Klook, Expedia and more. Altogether, Dah Sing British Airways Platinum Card is a great for travellers who primarily fly with the airline, but who may want to redeem rewards with other brands for certain trips.

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
  • Read Our Full Review
  • 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
Frequent Cathay Pacific flyers should consider American Express Cathay Pacific Elite Credit Card to quickly earn miles on their flights and enjoy nearly unlimited lounge access. Cardholders earn 0.333 Miles per HK$1 spend when booking flights online with Cathay Pacific in HKD–amongst the highest miles rates on travel bookings. What’s more, consumers enjoy 0.167 miles per HK$1 spend both locally and overseas on general retail.


American Express Cathay Pacific Elite Credit Card also offers consumers convenient perks for more comfortable travel. Both primary and supplementary cardholders can enjoy 10 free lounge visits per year–with no minimum spend requirement–at over 80 Plaza Premium Lounge locations worldwide. Additionally, cardholders receive waived enrolment fees for a Green tier membership to the Marco Polo Club, Cathay Pacific’s frequent flyer program, which entitles cardholders to earn Club Points on their flight spend and enjoy additional benefits. Altogether, American Express Cathay Pacific Elite offers a great opportunity for Cathay Pacific loyalists to maximise rewards and convenience on their travels abroad.

  • 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
  • Read Our Full Review
  • 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
Frequent Cathay Pacific flyers should consider American Express Cathay Pacific Elite Credit Card to quickly earn miles on their flights and enjoy nearly unlimited lounge access. Cardholders earn 0.333 Miles per HK$1 spend when booking flights online with Cathay Pacific in HKD–amongst the highest miles rates on travel bookings. What’s more, consumers enjoy 0.167 miles per HK$1 spend both locally and overseas on general retail.


American Express Cathay Pacific Elite Credit Card also offers consumers convenient perks for more comfortable travel. Both primary and supplementary cardholders can enjoy 10 free lounge visits per year–with no minimum spend requirement–at over 80 Plaza Premium Lounge locations worldwide. Additionally, cardholders receive waived enrolment fees for a Green tier membership to the Marco Polo Club, Cathay Pacific’s frequent flyer program, which entitles cardholders to earn Club Points on their flight spend and enjoy additional benefits. Altogether, American Express Cathay Pacific Elite offers a great opportunity for Cathay Pacific loyalists to maximise rewards and convenience on their travels abroad.

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

  • 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
Dah Sing United MileagePlus World Mastercard is great for United Airlines loyalists who frequently book through travel agents–and sometimes find themselves short on miles. Cardholders earn 0.2 MileagePlus miles per HK$1 spend at United Airlines and overseas, as well as 0.167 MileagePlus miles per HK$1 spend with designated tour companies. While the list of designated tour companies is limited, it includes popular providers like Agoda, China Travel Service and more. Consumers also earn 0.125 miles per HK$1 local spend. In all cases, miles earned are automatically credited to the cardholder’s MileagePlus account without incurring transfer fees and never expire. However, MileagePlus miles are only worth about 0.6 Asia Miles.


Dah Sing United MileagePlus World Mastercard also benefits those who may fall short of paying for a full flight with miles and who want to top-up to complete their purchase. Cardholders enjoy a discount of up to 15% off MileagePlus miles purchases, which makes extra miles even more affordable. Since travel awards tickets with United must be redeemed entirely with miles, this discount is great for consumers who may be initially short of the miles required. Beyond this perk, consumers can also enjoy a free United Club lounge visit every quarter as long as they meet spend at least HK$40k in the previous calendar quarter. Altogether, Dah Sing United MileagePlus World Mastercard is ideal for frequent United flyers who want to enjoy easy, discounted miles top-ups.

  • 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
Dah Sing United MileagePlus World Mastercard is great for United Airlines loyalists who frequently book through travel agents–and sometimes find themselves short on miles. Cardholders earn 0.2 MileagePlus miles per HK$1 spend at United Airlines and overseas, as well as 0.167 MileagePlus miles per HK$1 spend with designated tour companies. While the list of designated tour companies is limited, it includes popular providers like Agoda, China Travel Service and more. Consumers also earn 0.125 miles per HK$1 local spend. In all cases, miles earned are automatically credited to the cardholder’s MileagePlus account without incurring transfer fees and never expire. However, MileagePlus miles are only worth about 0.6 Asia Miles.


Dah Sing United MileagePlus World Mastercard also benefits those who may fall short of paying for a full flight with miles and who want to top-up to complete their purchase. Cardholders enjoy a discount of up to 15% off MileagePlus miles purchases, which makes extra miles even more affordable. Since travel awards tickets with United must be redeemed entirely with miles, this discount is great for consumers who may be initially short of the miles required. Beyond this perk, consumers can also enjoy a free United Club lounge visit every quarter as long as they meet spend at least HK$40k in the previous calendar quarter. Altogether, Dah Sing United MileagePlus World Mastercard is ideal for frequent United flyers who want to enjoy easy, discounted miles top-ups.

Best Cashback Credit Cards for Overseas Spending

These cards offer the opportunity to earn remarkable rebates.

Citi Cash Back Card: Unltd Rebates + Purchase Protection

  • 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 provides an elegant solution for overseas spenders who find themselves inconvenienced by rebate limits. Cardholders earn an uncapped 2% cashback on overseas, dining and hotel spend as well as 1% cashback on all other spend. This uncomplicated rewards structure not only provides one of the highest uncapped overseas rebate rates, it also allows consumers to maximise rewards on their vacation spending, from booking their hotel to dining out at new and exciting restaurants. Even better, consumers can stack savings with additional deals at select travel agencies (like KKday and Klook), hotels and restaurants through the card's Citi World Privileges.


Citi Cash Back Card also provides consumers with peace of mind for every transaction, both locally and overseas. Purchases made anywhere in the world are protected against damages, loss or theft for up to US$7,600. This protection lasts for a full 30 days from the date of purchase. Ultimately, Citi Cash Back Card is a simple and straightforward card that rewards vacation spend and enables safe overseas 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 provides an elegant solution for overseas spenders who find themselves inconvenienced by rebate limits. Cardholders earn an uncapped 2% cashback on overseas, dining and hotel spend as well as 1% cashback on all other spend. This uncomplicated rewards structure not only provides one of the highest uncapped overseas rebate rates, it also allows consumers to maximise rewards on their vacation spending, from booking their hotel to dining out at new and exciting restaurants. Even better, consumers can stack savings with additional deals at select travel agencies (like KKday and Klook), hotels and restaurants through the card's Citi World Privileges.


Citi Cash Back Card also provides consumers with peace of mind for every transaction, both locally and overseas. Purchases made anywhere in the world are protected against damages, loss or theft for up to US$7,600. This protection lasts for a full 30 days from the date of purchase. Ultimately, Citi Cash Back Card is a simple and straightforward card that rewards vacation spend and enables safe overseas shopping.

WeWa UnionPay Diamond Card: Cashback on Family Fun & Vacation Planning

  • 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
WeWa UnionPay Diamond Card allows consumers to earn high rebates on travel and local leisure spend. Cardholders earn 4% cashback on spend with select airlines, travel agencies and local entertainment merchants. Since flights are one of the largest expenses for family vacations, earning one of the highest possible rates on bookings with over 50 airlines and tour companies is a standout feature. For substantial cashback on local family-friendly fun, cardholders also earn 4% rebates at local merchants like Disneyland, Ocean Park, MCL Cinemas & more.


While overseas, cardholders can benefit from waived foreign currency transaction fees, which is a significant savings compared to the 1.95% market standard. Consumers can also take advantage of luxury perks like up to 3 free lounge visits every year and discounted limo service. Although WeWa UnionPay Diamond Card may not offer the highest overseas cashback rates, it offers consumers a great opportunity to earn significant rebates on local entertainment spend and travel bookings while offering perks to ease the burdens of travel.

  • 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
WeWa UnionPay Diamond Card allows consumers to earn high rebates on travel and local leisure spend. Cardholders earn 4% cashback on spend with select airlines, travel agencies and local entertainment merchants. Since flights are one of the largest expenses for family vacations, earning one of the highest possible rates on bookings with over 50 airlines and tour companies is a standout feature. For substantial cashback on local family-friendly fun, cardholders also earn 4% rebates at local merchants like Disneyland, Ocean Park, MCL Cinemas & more.


While overseas, cardholders can benefit from waived foreign currency transaction fees, which is a significant savings compared to the 1.95% market standard. Consumers can also take advantage of luxury perks like up to 3 free lounge visits every year and discounted limo service. Although WeWa UnionPay Diamond Card may not offer the highest overseas cashback rates, it offers consumers a great opportunity to earn significant rebates on local entertainment spend and travel bookings while offering perks to ease the burdens of travel.

Hang Seng MPOWER Card: No-Fee Overseas and Mobile Spend Rebates

  • 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 consumers looking to earn impressive rebates on their overseas and social mobile spend–all without paying an annual fee–should consider Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars Rebate on overseas and online transactions of HK$300 or more and on mobile spend on local dining, fashion and entertainment. These high rates allow consumers to easily optimise rebates on their spend overseas and at home. Consumers should note that they must spend at least HK$3k per month to access these high rates, however, with lower spenders earning just a 0.4% Cash Dollars rebate on general spend. It's also important to mention that Cash Dollars can only be redeemed on spend with select vendors, although there are over 7,400 eligible outlets.


Cardholders also enjoy perpetually waived annual fees, providing consumers with a maintenance-free opportunity to earn one of the highest rebate rates for overseas spend. Altogether, Hang Seng MPOWER is great for modern travellers who comfortably spend online & through mobile-pay.

  • 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 consumers looking to earn impressive rebates on their overseas and social mobile spend–all without paying an annual fee–should consider Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars Rebate on overseas and online transactions of HK$300 or more and on mobile spend on local dining, fashion and entertainment. These high rates allow consumers to easily optimise rebates on their spend overseas and at home. Consumers should note that they must spend at least HK$3k per month to access these high rates, however, with lower spenders earning just a 0.4% Cash Dollars rebate on general spend. It's also important to mention that Cash Dollars can only be redeemed on spend with select vendors, although there are over 7,400 eligible outlets.


Cardholders also enjoy perpetually waived annual fees, providing consumers with a maintenance-free opportunity to earn one of the highest rebate rates for overseas spend. Altogether, Hang Seng MPOWER is great for modern travellers who comfortably spend online & through mobile-pay.

EarnMORE UnionPay Diamond Card: Accessible Luxury + 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 an accessible opportunity to enjoy convenient luxury travel perks and earn the highest flat cashback rate. Cardholders can enjoy up to 3 free lounge visits every year (with HK$12k spend in the prior 2 months) and limo transfer services for a flat fee of HK$250, making travel easier and more convenient. These luxury perks are comparatively accessible, given the minimum annual income requirement of just HK$150k, which is significantly less than the HK$200k+ annual income that cards offering luxury perks often require. Frequent travellers can also enjoy waived foreign currency transaction fees, allowing them to spend abroad worry-free.


In terms of rewards, cardholders earn 2% cashback on all overseas, local and online spend–the highest flat rebate rate on the market. Although cashback is capped at HK$2k annually, this is still a very competitive total rebate. Altogether, EarnMORE UnionPay Diamond Card is great for frequent travellers who might not have high incomes but still want access to luxury perks.

  • 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 an accessible opportunity to enjoy convenient luxury travel perks and earn the highest flat cashback rate. Cardholders can enjoy up to 3 free lounge visits every year (with HK$12k spend in the prior 2 months) and limo transfer services for a flat fee of HK$250, making travel easier and more convenient. These luxury perks are comparatively accessible, given the minimum annual income requirement of just HK$150k, which is significantly less than the HK$200k+ annual income that cards offering luxury perks often require. Frequent travellers can also enjoy waived foreign currency transaction fees, allowing them to spend abroad worry-free.


In terms of rewards, cardholders earn 2% cashback on all overseas, local and online spend–the highest flat rebate rate on the market. Although cashback is capped at HK$2k annually, this is still a very competitive total rebate. Altogether, EarnMORE UnionPay Diamond Card is great for frequent travellers who might not have high incomes but still want access to luxury perks.

BEA Visa Signature Card: High Overseas Cashback Without Purchase Minimums

  • 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
Overseas travellers who frequently dine out should definitely consider BEA Visa Signature Card. To start, cardholders earn 1.6% cashback on all overseas purchases and 0.4% cashback locally. Even better, consumers earn 2.4% cashback on local dining. Since dining represents a significant part of most consumers' budgets, earning a boosted rate on this spend is especially helpful.


Cardholders also enjoy discounts on dining at popular restaurants, travel services, hotels & more with Visa Signature and BEA Year Round Offers. Additionally, BEA customers with deposit, Mandatory Provident Fund, mortgage or consumers loan accounts enjoy annual fee waivers. Overall, BEA Visa Signature is great for those who spend a good deal overseas but also want to maximise rewards on local dining.

  • 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
Overseas travellers who frequently dine out should definitely consider BEA Visa Signature Card. To start, cardholders earn 1.6% cashback on all overseas purchases and 0.4% cashback locally. Even better, consumers earn 2.4% cashback on local dining. Since dining represents a significant part of most consumers' budgets, earning a boosted rate on this spend is especially helpful.


Cardholders also enjoy discounts on dining at popular restaurants, travel services, hotels & more with Visa Signature and BEA Year Round Offers. Additionally, BEA customers with deposit, Mandatory Provident Fund, mortgage or consumers loan accounts enjoy annual fee waivers. Overall, BEA Visa Signature is great for those who spend a good deal overseas but also want to maximise rewards on local dining.

Best Credit Cards for Regional Travel & Spending

Frequent regional travellers can conveniently enjoy their trips with dual currency and waived exchange fees.

HSBC UnionPay Dual Currency Card: Accessible Overseas Boost

  • Choice of cashback w/ just HK$60k min. income req.
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Annual fee: HK$300, 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, 1% for all other currencies
Consumers seeking an accessible opportunity to earn high cashback on overseas spend should consider HSBC UnionPay Dual Currency Card. Cardholders earn a base rate of 0.4% cashback on general spend, boosted to 2.4% on online and overseas transactions if they spend at least HK$3k a quarter. Even better, consumers can apply an additional +2% bonus rebate across the categories of overseas, mainland China & Macau, lifestyle, home, entertainment and dining. If this bonus is fully allocated to the overseas category, consumers can earn up to 4.4% cashback on all their purchases abroad.


Even better, HSBC UnionPay Dual Currency Card has a minimum income requirement of just HK$60k–amongst the lowest forUnionPay cards–and its already affordable annual fee of HK$300 is waived for the first 2 years. Frequent regional travellers can also enjoy separate billing and fee waivers for HKD and RMB spend. Although spend in currencies other than HKD and RMB is charged a 1% foreign exchange fee, this is still well below the market standard 1.95%. Ultimately, HSBC UnionPay Dual Currency Card provides high rates on overseas transactions and convenience during regional travels while remaining accessible.

  • Stand-Out: Choice of cashback w/ just HK$60k min. income req.
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$300, 2-yr waiver
  • 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, 1% for all other currencies
Consumers seeking an accessible opportunity to earn high cashback on overseas spend should consider HSBC Pulse UnionPay Dual Currency Diamond Card. Cardholders earn a base rate of 0.4% cashback on general spend, boosted to 2.4% on online and overseas transactions if they spend at least HK$3k a quarter. Even better, consumers can apply an additional +2% bonus rebate across the categories of overseas, mainland China & Macau, lifestyle, home, entertainment and dining. If this bonus is fully allocated to the overseas category, consumers can earn up to 4.4% cashback on all their purchases abroad.


Even better, HSBC UnionPay Dual Currency Card has a minimum income requirement of just HK$60k–amongst the lowest forUnionPay cards–and its already affordable annual fee of HK$300 is waived for the first 2 years. Frequent regional travellers can also enjoy separate billing and fee waivers for HKD and RMB spend. Although spend in currencies other than HKD and RMB is charged a 1% foreign exchange fee, this is still well below the market standard 1.95%. Ultimately, HSBC UnionPay Dual Currency Card provides high rates on overseas transactions and convenience during regional travels while remaining accessible.

HSBC Pulse UnionPay Dual Currency Diamond Card: Luxury Perks & Choice of 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
  • 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 provides regional travellers with convenient perks and cashback in their choice of categories. Although consumers earn just 0.4% base cashback on all their general rate, those who spend HK$3k per calendar quarter earn 2.4% base rebates on their online and overseas spend. Consumers also earn a bonus +2% which can be allocated across the categories of overseas, China & Macau, dining, lifestyle, entertainment, home and lifestyle spend. Accordingly, consumers can earn up to an incredible 4.4% on their overseas spend if they allocate their entire bonus to that category.


In terms of perks, cardholders can take advantage of separate billing for spend in HKD and RMB, as well as waived foreign currency fees for spend in RMB and MOP. Although spend in other foreign currencies is still subject to a fee of 1%, this is markedly better than the 1.95% that many other cards charge. HSBC Pulse UnionPay Dual Currency Diamond Card also offers luxury perks like discounted limo service in Hong Kong and China and up to 3 free lounge visits a year. Altogether, HSBC Pulse UnionPay DC Diamond Card is a great choice for consumers seeking luxury convenience for their trips to mainland China and beyond.

  • Stand-Out: Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • 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 provides regional travellers with convenient perks and cashback in their choice of categories. Although consumers earn just 0.4% base cashback on all their general rate, those who spend HK$3k per calendar quarter earn 2.4% base rebates on their online and overseas spend. Consumers also earn a bonus +2% which can be allocated across the categories of overseas, China & Macau, dining, lifestyle, entertainment, home and lifestyle spend. Accordingly, consumers can earn up to an incredible 4.4% on their overseas spend if they allocate their entire bonus to that category.


In terms of perks, cardholders can take advantage of separate billing for spend in HKD and RMB, as well as waived foreign currency fees for spend in RMB and MOP. Although spend in other foreign currencies is still subject to a fee of 1%, this is markedly better than the 1.95% that many other cards charge. HSBC Pulse UnionPay Dual Currency Diamond Card also offers luxury perks like discounted limo service in Hong Kong and China and up to 3 free lounge visits a year. Altogether, HSBC Pulse UnionPay DC Diamond Card is a great choice for consumers seeking luxury convenience for their trips to mainland China and beyond.

BEA UnionPay Dual Currency PLATINUM Credit Card: Boosted Rebates on Retail & Dining

  • 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
  • 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
Consumers who want an accessible option to conveniently spend overseas should consider BEA UnionPay Dual Currency PLATINUM Card. Currently, cardholders earn up to 10% cashback on local fast food, bakery and coffee shop mobile payments with at least HK$2k spend per month. Consumers can also earn 1.2% cashback on other local dining and all 0.8% cashback on general spend.


Additionally, frequent regional travellers can enjoy waived foreign currency transaction fees and separate billing for HKD and RMB spend. BEA UnionPay DC PLATINUM is one of the most accessible cards offering these perks, with a minimum income requirement of only HK$40k–much lower than the HK$150k market standard. In terms of cost, its already low HK$600 annual fee is waived for cardholders with BEA deposit, Mandatory Provident Fund, consumer or mortgage loan accounts. Altogether, BEA UnionPay DC Platinum is worth considering for regional travellers looking for an accessible and affordable card.

  • 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
  • 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
Consumers who want an accessible option to conveniently spend overseas should consider BEA UnionPay Dual Currency PLATINUM Card. Currently, cardholders earn up to 10% cashback on local fast food, bakery and coffee shop mobile payments with at least HK$2k spend per month. Consumers can also earn 1.2% cashback on other local dining and all 0.8% cashback on general spend.


Additionally, frequent regional travellers can enjoy waived foreign currency transaction fees and separate billing for HKD and RMB spend. BEA UnionPay DC PLATINUM is one of the most accessible cards offering these perks, with a minimum income requirement of only HK$40k–much lower than the HK$150k market standard. In terms of cost, its already low HK$600 annual fee is waived for cardholders with BEA deposit, Mandatory Provident Fund, consumer or mortgage loan accounts. Altogether, BEA UnionPay DC Platinum is worth considering for regional travellers looking for an accessible and affordable card.

CCB UnionPay Dual Currency Credit Card: No-Fee Rewards for Online Bill Pay

  • Discounted cross-border bus tickets & no annual fee
  • Promotions:
  • Annual Fee: Free
  • 0.067 miles per HK$1 spend on local retail, overseas and online
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Cross-border bus discounts
CCB UnionPay Dual Currency Credit Card provides maintenance-free rewards on online bill payment and convenience while spending abroad. Cardholders earn 0.067 miles per HK$1 spend regardless of location or category. Unlike most competing cards, consumers earn this same base rate on their online bill payments.


Frequent travellers can also enjoy waived foreign currency transaction fees and separate billing for their HKD and RMB spend. When combined with waived annual fees,CCB UnionPay DC Card a free opportunity for consumers to avoid the market standard 1.95% transaction fee for overseas purchases. Altogether, CCB UnionPay Dual Currency Credit Card allows consumers to enjoy convenience when spending abroad and earn rewards on their utility bills with no annual fees attached.

  • Stand-Out: Discounted cross-border bus tickets & no annual fee
  • Promotions:
  • Annual Fee: Free
  • 0.067 miles per HK$1 spend on local retail, overseas and online
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Cross-border bus discounts
CCB UnionPay Dual Currency Credit Card provides maintenance-free rewards on online bill payment and convenience while spending abroad. Cardholders earn 0.067 miles per HK$1 spend regardless of location or category. Unlike most competing cards, consumers earn this same base rate on their online bill payments.


Frequent travellers can also enjoy waived foreign currency transaction fees and separate billing for their HKD and RMB spend. When combined with waived annual fees,CCB UnionPay DC Card a free opportunity for consumers to avoid the market standard 1.95% transaction fee for overseas purchases. Altogether, CCB UnionPay Dual Currency Credit Card allows consumers to enjoy convenience when spending abroad and earn rewards on their utility bills with no annual fees attached.

Best High Income Credit Cards for Overseas Spending

Wealthier consumers can enjoy high-end perks and impressive rewards.

HSBC Visa Signature Card: Overseas Boost and Monthly Lounge Access

  • 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 allows consumers to earn one of the highest overseas cashback rates and an accessible lounge visit every month. Cardholders earn 1.6% cashback across select spending types (overseas, dining, entertainment, lifestyle, home & mainland China and Macau), with an additional +2% bonus rebate to be allocated across these categories. Overseas and online rebates are also boosted by +2% if the cardholder spends at least HK$3k per quarter, making it possible to earn up to 5.6% on overseas transactions.


In addition to this, consumers can enjoy 1 free lounge access per month with a prior transaction of just HK$1.5k. This allows for up to 12 lounge accesses a year compared to competing cards with lounge access which usually limit consumers to 3 visits a year. Although the minimum income requirement of HK$360k (or HK$400k in assets) makes it less accessible for average consumers, high earners can enjoy lofty rates on overseas spend (or the other categories of their choice) and convenient lounge access before their flights.

  • 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 allows consumers to earn one of the highest overseas cashback rates and an accessible lounge visit every month. Cardholders earn 1.6% cashback across select spending types (overseas, dining, entertainment, lifestyle, home & mainland China and Macau), with an additional +2% bonus rebate to be allocated across these categories. Overseas and online rebates are also boosted by +2% if the cardholder spends at least HK$3k per quarter, making it possible to earn up to 5.6% on overseas transactions.


In addition to this, consumers can enjoy 1 free lounge access per month with a prior transaction of just HK$1.5k. This allows for up to 12 lounge accesses a year compared to competing cards with lounge access which usually limit consumers to 3 visits a year. Although the minimum income requirement of HK$360k (or HK$400k in assets) makes it less accessible for average consumers, high earners can enjoy lofty rates on overseas spend (or the other categories of their choice) and convenient lounge access before their flights.

Citi Prestige Card: Top-Tier 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 for high-income consumers seeking the absolute pinnacle of luxury perks. As a baseline, cardholders earn 0.25 miles per HK$1 overseas spend and 0.167 miles per HK$1 local spend, as well as an annual gift of 20k miles regardless of their spending. In addition to rewards earned from spend, cardholders can also earn up to a 30% bonus in Annual Relationship Points based on their relationship and tenure with Citibank. Even though there is a high annual fee of HK$3,800, these generous rewards can more than offset this cost.


As mentioned, Citi Prestige Card offers some of the most generous luxury perks of any credit card in Hong Kong. Cardholders can enjoy a free 4th night at any hotel, a complimentary lounge visit with every flight, and waived green fees at select golf courses across Asia and more. Competing luxury cards rarely almost always require some form of spend requirement for free lounge access, and complimentary hotel nights and green fees are even rarer. Due to Citi Prestige Card’s minimum annual income requirement of HK$600k, these high-end perks are only available to high-earners. Those that are affluent enough to qualify, however, can enjoy some of the extensive luxury perks in Hong Kong.

  • 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 for high-income consumers seeking the absolute pinnacle of luxury perks. As a baseline, cardholders earn 0.25 miles per HK$1 overseas spend and 0.167 miles per HK$1 local spend, as well as an annual gift of 20k miles regardless of their spending. In addition to rewards earned from spend, cardholders can also earn up to a 30% bonus in Annual Relationship Points based on their relationship and tenure with Citibank. Even though there is a high annual fee of HK$3,800, these generous rewards can more than offset this cost.


As mentioned, Citi Prestige Card offers some of the most generous luxury perks of any credit card in Hong Kong. Cardholders can enjoy a free 4th night at any hotel, a complimentary lounge visit with every flight, and waived green fees at select golf courses across Asia and more. Competing luxury cards rarely almost always require some form of spend requirement for free lounge access, and complimentary hotel nights and green fees are even rarer. Due to Citi Prestige Card’s minimum annual income requirement of HK$600k, these high-end perks are only available to high-earners. Those that are affluent enough to qualify, however, can enjoy some of the extensive luxury perks in Hong Kong.

ICBC Horoscope UnionPay Dual Currency Diamond Card: Highest Unltd Flat Cashback UnionPay

  • Unltd. 1.5% flat cashback & free lounge access
  • Promotions: With joint application for ICBC Horoscope Visa Signature Card, receive HK$300 free spending limit w/ HK$1.5k spend with each card in 1st 2mo, OR:
  • Receive Starry Luggage w/ HK$1.5k spend w/ each card in 1st 2mo
  • Receive HK$50 free spending limit for each card w/ online application
  • Read Our Full Review
  • Annual fee: HK$1k
  • 1.5% cashback on local, overseas & online spend
  • Discounted limousine transfers & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
ICBC Horoscope UnionPay Dual Currency Diamond Card offers consumers the opportunity to earn the highest uncapped flat cashback rate. Cardholders earn an unlimited 1.5% cashback on all their spend, regardless of it being online or in-store. Even though this is not the highest overall flat rate, high spenders earn straightforward cashback without worrying about running into limits on their rewards.


In terms of perks, frequent regional travellers can enjoy waived foreign currency transaction fees and separate billing for their HKD and RMB spend. Even better, cardholders receive up to 3 free lounge visits per year (with HK$12k spend across the 2 months before the visit) and discounted limo transfer services in Hong Kong and China. Altogether, ICBC Horoscope UnionPay Dual Currency Diamond Card is great for high spenders seeking unlimited rebates and convenient travel perks.

  • Stand-Out: Unltd. 1.5% flat cashback & free lounge access
  • Promotions: With joint application for ICBC Horoscope Visa Signature Card, receive HK$300 free spending limit w/ HK$1.5k spend with each card in 1st 2mo, OR:
  • Receive Starry Luggage w/ HK$1.5k spend w/ each card in 1st 2mo
  • Receive HK$50 free spending limit for each card w/ online application
  • Read Our Full Review
  • Annual fee: HK$1k
  • 1.5% cashback on local, overseas & online spend
  • Discounted limousine transfers & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
ICBC Horoscope UnionPay Dual Currency Diamond Card offers consumers the opportunity to earn the highest uncapped flat cashback rate. Cardholders earn an unlimited 1.5% cashback on all their spend, regardless of it being online or in-store. Even though this is not the highest overall flat rate, high spenders earn straightforward cashback without worrying about running into limits on their rewards.


In terms of perks, frequent regional travellers can enjoy waived foreign currency transaction fees and separate billing for their HKD and RMB spend. Even better, cardholders receive up to 3 free lounge visits per year (with HK$12k spend across the 2 months before the visit) and discounted limo transfer services in Hong Kong and China. Altogether, ICBC Horoscope UnionPay Dual Currency Diamond Card is great for high spenders seeking unlimited rebates and convenient travel perks.

Standard Chartered Simply Cash Visa Card: Unltd Rebates in a Straightforward Package

  • 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
Standard Chartered Simply Cash Visa Card offers consumers the potential for unlimited cashback on their next shopping spree. Cardholders earn an uncapped 2% cashback on all foreign currency spend, and 1.5% cashback for all spend in HKD. Since there is no upper limit on the amount of cashback that cardholders can earn, high spenders–especially those who frequently shop abroad and purchase foreign brands online–can be rewarded in proportion to their spend when they would be capped with a competing card.


Cardholders can also enjoy Visa Signature Privileges and The Good Life Year-Round Offers which include travel perks like discounted hotel bookings, tours and more. Altogether, Standard Chartered Simply Cash Visa Card is ideal for consumers seeking uncomplicated and potentially limitless cashback with boosted rebates for their overseas 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
  • 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
Standard Chartered Simply Cash Visa Card offers consumers the potential for unlimited cashback on their next shopping spree. Cardholders earn an uncapped 2% cashback on all foreign currency spend, and 1.5% cashback for all spend in HKD. Since there is no upper limit on the amount of cashback that cardholders can earn, high spenders–especially those who frequently shop abroad and purchase foreign brands online–can be rewarded in proportion to their spend when they would be capped with a competing card.


Cardholders can also enjoy Visa Signature Privileges and The Good Life Year-Round Offers which include travel perks like discounted hotel bookings, tours and more. Altogether, Standard Chartered Simply Cash Visa Card is ideal for consumers seeking uncomplicated and potentially limitless cashback with boosted rebates for their overseas spend.

DBS Eminent Visa Signature Card: Top Unltd Overseas Cashback

  • 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
DBS Eminent Visa Signature Card is perfect for high-spending travellers who are tired of running into rebate limits on their overseas spend. Cardholders earn an unlimited 2% cashback on their foreign currency spend and 1% cashback on local retail transactions. This overseas rebate rate is amongst the highest uncapped rates for this category, making it ideal for frequent travellers who want rebates commensurate to their spend, not just up to a card-defined limit.


Additionally, Treasures Private Clients who spend HK$100k per quarter can enjoy 3 free limo transfers per quarter, up to 12 in each calendar year. Since most luxury cards only offer limo services for a flat rate of HK$250, consumers can save up to HK$3k a year on limo transfer services alone compared to other luxury cards. It’s important to note that DBS Treasures Private Clients services are only available to DBS clients with investible assets of HK$8mm or above, and that the minimum annual income requirement for DBS Eminent Visa Signature is HK$360k. Nonetheless, DBS Eminent Visa Signature offers wealthier consumers the opportunity to earn potentially limitless cashback overseas and also enjoy generous limo transfer perks.

  • 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
DBS Eminent Visa Signature Card is perfect for high-spending travellers who are tired of running into rebate limits on their overseas spend. Cardholders earn an unlimited 2% cashback on their foreign currency spend and 1% cashback on local retail transactions. This overseas rebate rate is amongst the highest uncapped rates for this category, making it ideal for frequent travellers who want rebates commensurate to their spend, not just up to a card-defined limit.


Additionally, Treasures Private Clients who spend HK$100k per quarter can enjoy 3 free limo transfers per quarter, up to 12 in each calendar year. Since most luxury cards only offer limo services for a flat rate of HK$250, consumers can save up to HK$3k a year on limo transfer services alone compared to other luxury cards. It’s important to note that DBS Treasures Private Clients services are only available to DBS clients with investible assets of HK$8mm or above, and that the minimum annual income requirement for DBS Eminent Visa Signature is HK$360k. Nonetheless, DBS Eminent Visa Signature offers wealthier consumers the opportunity to earn potentially limitless cashback overseas and also enjoy generous limo transfer perks.

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.