Compare the Best Digital Wallet Credit Cards in Hong Kong 2021

Digital wallets are a safe and secure way to transact with merchants, transfer money to friends and family, and manage your personal finances. Our experts have identified the credit cards with the best rebates for spending with a digital wallet. Not sure how to pick a digital wallet? Our digital wallets guide can help you choose between the most popular choices in Hong Kong based on your lifestyle and spending habits.

Credit Cards with Boosted Mobile Pay Rewards
Best Cashback Credit Cards for Mobile Pay
Best Air Miles Credit Cards for Mobile Pay

Compare Best Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best 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
Credit Cards with Boosted Mobile Pay Rewards Best Cashback Credit Cards for Mobile Pay Best Air Miles Credit Cards for Mobile Pay

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

Credit Cards with Boosted Mobile Pay Rewards

These credit cards offer elevated rewards when you spend with a digital wallet. The cashback and air miles earned with these cards can be significantly higher than the general rates of other credit cards, but non-mobile pay transactions will result in a less competitive rebate.

CCB eye Credit Card: Rapid 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 GrandaZ Massage Gun w/ HK$6k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
CCB eye Platinum Credit Card is a great choice for consumers looking to earn boosted air miles when they pay with a digital wallet. Cardholders earn 0.333 miles per HK$1 spend with mobile pay and online, boosted to 0.469 miles for the same purchases made overseas.


While overseas purchases made without a digital wallet still earn 0.201 miles per HK$1 spend, local non-mobile pay transactions earn just 0.067 miles. Cardholders should only make local purchases with a digital wallet or online for the best rewards. CCB eye Platinum Credit Card has no annual fee and a minimum income requirement of HK$150,000, making it an achievable, hassle-free choice for consumers who prefer transacting with mobile pay.

  • HK$150k min. annual salary
  • 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
  • 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 GrandaZ Massage Gun w/ HK$6k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
CCB eye Platinum Credit Card is a great choice for consumers looking to earn boosted air miles when they pay with a digital wallet. Cardholders earn 0.333 miles per HK$1 spend with mobile pay and online, boosted to 0.469 miles for the same purchases made overseas.


While overseas purchases made without a digital wallet still earn 0.201 miles per HK$1 spend, local non-mobile pay transactions earn just 0.067 miles. Cardholders should only make local purchases with a digital wallet or online for the best rewards. CCB eye Platinum Credit Card has no annual fee and a minimum income requirement of HK$150,000, making it an achievable, hassle-free choice for consumers who prefer transacting with mobile pay.

  • HK$150k min. annual salary
  • 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

Hang Seng MPOWER Card: Top Cashback for Mobile Pay and Overseas Transactions

  • 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
Consumers with a modest budget looking to maximise cashback by spending in specific categories should consider Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars rebate on dining, entertainment, and fashion spend made with a digital wallet (up to $100 Cash Dollars/month), as well as on online and overseas transactions of HK$300 or more (up to $200 Cash Dollars/month in each category).


You can also take advantage of waived online ticket booking fees, priority concert reservations, discounted movie tickets, and more with the Hang Seng MPOWER Card.

This Hang Seng credit card’s 5% cashback for mobile pay offers one of the market's highest rewards rates. However, the rewards caps and the HK$3,000 minimum monthly spending requirement for the top rates make it less optimal for high-income consumers looking for unlimited rewards on their spending.

  • HK$150k min. annual salary
  • 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
  • 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
Consumers with a modest budget looking to maximise cashback by spending in specific categories should consider Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars rebate on dining, entertainment, and fashion spend made with a digital wallet (up to $100 Cash Dollars/month), as well as on online and overseas transactions of HK$300 or more (up to $200 Cash Dollars/month in each category).


You can also take advantage of waived online ticket booking fees, priority concert reservations, discounted movie tickets, and more with the Hang Seng MPOWER Card.

This Hang Seng credit card’s 5% cashback for mobile pay offers one of the market's highest rewards rates. However, the rewards caps and the HK$3,000 minimum monthly spending requirement for the top rates make it less optimal for high-income consumers looking for unlimited rewards on their spending.

  • Annual fee: Free
  • HK$150k min. annual salary
  • 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

BOC i-card: Boosted miles for Online Shopping and Mobile Pay

  • 0.667 miles/HK$1 online & mobile pay, waived annual fee
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC i-card is a great choice for average income earners who spend in specific categories. Cardholders earn 0.667 miles per HK$1 online and mobile spend–one of the highest miles rates on the market.


This card also offers great shopping perks like 0% interest instalment plans with select merchants, allowing consumers to pay for larger purchases over several months. BOC’s Year-Round Offers also provide exclusive online discounts with merchants like Cherrypicks, Agoda, and Columbia. Finally, BOC i-Card has no annual fee, making it a maintenance-free option for online consumers looking to earn miles rapidly.

Altogether, BOC i-Card is optimised for consumers with a limited budget looking to max out their rewards with mobile pay and online transactions.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 4% online and mobile cashback
  • 0.667 miles per HK$1 online & mobile spend
  • 0.067 miles per HK$1 general spend
  • 0% interest instalment plans w/ select merchants
  • Stand-Out: 0.667 miles/HK$1 online & mobile pay, waived annual fee
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC i-card is a great choice for average income earners who spend in specific categories. Cardholders earn 0.667 miles per HK$1 online and mobile spend–one of the highest miles rates on the market.


This card also offers great shopping perks like 0% interest instalment plans with select merchants, allowing consumers to pay for larger purchases over several months. BOC’s Year-Round Offers also provide exclusive online discounts with merchants like Cherrypicks, Agoda, and Columbia. Finally, BOC i-Card has no annual fee, making it a maintenance-free option for online consumers looking to earn miles rapidly.

Altogether, BOC i-Card is optimised for consumers with a limited budget looking to max out their rewards with mobile pay and online transactions.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 4% online and mobile cashback
  • 0.667 miles per HK$1 online & mobile spend
  • 0.067 miles per HK$1 general spend
  • 0% interest instalment plans w/ select merchants

BOC Dual Currency Diamond Card: Competitive Mobile Cashback and Travel Perks

  • 4% rebate on mobile pay and travel perks
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Dual Currency Diamond Card offers consumers one of the highest cashback rebates on the market for local and overseas mobile spending. Cardholders earn 4% cashback when transacting with mobile pay as well as 0.067 miles per HK$1 spend or 0.4% cashback on other purchases.


You can enjoy great travel perks like free airport lounge visits and discounted limo service with this BOC card. Mainland China travellers will also benefit from this card’s separate billing for HKD and RMB spend, resulting in no foreign transaction fee.

Our analysis of this BOC credit card shows that its flexible rewards programme, dual currency capability and airport perks makes it a great choice for regional travellers with a limited budget.

  • HK$200k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 general spend
  • 4% cashback on mobile pay
  • Dual Currency: HKD and RMB spend separately billed
  • Complimentary airport lounge access with spending requirements
  • Discounted limousine service in Hong Kong, Beijing and Shanghai
  • Stand-Out: 4% rebate on mobile pay and travel perks
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Dual Currency Diamond Card offers consumers one of the highest cashback rebates on the market for local and overseas mobile spending. Cardholders earn 4% cashback when transacting with mobile pay as well as 0.067 miles per HK$1 spend or 0.4% cashback on other purchases.


You can enjoy great travel perks like free airport lounge visits and discounted limo service with this BOC card. Mainland China travellers will also benefit from this card’s separate billing for HKD and RMB spend, resulting in no foreign transaction fee.

Our analysis of this BOC credit card shows that its flexible rewards programme, dual currency capability and airport perks makes it a great choice for regional travellers with a limited budget.

  • HK$200k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 general spend
  • 4% cashback on mobile pay
  • Dual Currency: HKD and RMB spend separately billed
  • Complimentary airport lounge access with spending requirements
  • Discounted limousine service in Hong Kong, Beijing and Shanghai

Best Cashback Credit Cards for Mobile Pay

The following credit cards offer impressive cashback rebates on your purchases, including when you pay with your digital wallet.

Standard Chartered Simply Cash Visa Card: Best Cashback Card for SC Loyalists

  • 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
Consumers looking for an accessible credit card with consistent cashback on every purchase should consider Standard Chartered Simply Cash Visa Card. The 1.5% cashback for spending in local currency is one of the best flat rates on the market and is ideal if you don’t like to limit your spending to purchases in specific categories.


This SC credit card’s 2% cashback rate for spending in foreign currencies makes it a great choice if you are a frequent traveller or someone who spends in foreign currencies online. However, while its flat cashback rate is very competitive, consumers with a lower budget may be better off with a card like the Hang Seng MPOWER Credit Card. Both of these cards allow you to max out rewards with limited spending in select categories.

  • HK$96k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers
  • 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
Consumers looking for an accessible credit card with consistent cashback on every purchase should consider Standard Chartered Simply Cash Visa Card. The 1.5% cashback for spending in local currency is one of the best flat rates on the market and is ideal if you don’t like to limit your spending to purchases in specific categories.


This SC credit card’s 2% cashback rate for spending in foreign currencies makes it a great choice if you are a frequent traveller or someone who spends in foreign currencies online. However, while its flat cashback rate is very competitive, consumers with a lower budget may be better off with a card like the Hang Seng MPOWER Credit Card. Both of these cards allow you to max out rewards with limited spending in select categories.

  • HK$96k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers

PrimeCredit EarnMORE UnionPay Card: Highest Flat Cashback on the Market

  • Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 rewards (HK$200 supermarket coupon + HK$300 cash rebate)
  • Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Dyson V7 Vacuum Cleaner w/ HK$8.5k spend in 1st 3mo (redemption fee required), OR:
  • Receive Tefal Air Fryer w/ HK$8.5k spend in 1st 3mo
  • Read Our Full Review
PrimeCredit EarnMORE UnionPay Diamond Card boasts an impressive 2% cashback on every purchase, including when you spend with a digital wallet. This rebate on local, online and overseas spending is 5 times higher than the average credit card’s 0.4% rate.


This PrimeCredit credit card also offers several perks for travellers. Cardholders enjoy waived foreign currency transaction fees, limo service discounts and up to 3 complimentary lounge visits per year, all with no spending requirements.

One drawback is that EarnMORE UnionPay Diamond Card’s 2% rebate is capped at just HK$2,000 per year, which you can reach by spending HK$100,000 annually. Consumers would only need to spend about HK$8,333 per month to hit this annual cap, which means higher-income earners might want to consider an uncapped credit card like Standard Chartered Simply Cash Visa Card or Citi Cash Back Card.

PrimeCredit EarnMORE UnionPay Diamond Card is a great choice for average earners looking for impressive rewards across their budget.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas and online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service and up to 3 free lounge visits per year
  • Stand-Out: Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 rewards (HK$200 supermarket coupon + HK$300 cash rebate)
  • Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Dyson V7 Vacuum Cleaner w/ HK$8.5k spend in 1st 3mo (redemption fee required), OR:
  • Receive Tefal Air Fryer w/ HK$8.5k spend in 1st 3mo
  • Read Our Full Review
PrimeCredit EarnMORE UnionPay Diamond Card boasts an impressive 2% cashback on every purchase, including when you spend with a digital wallet. This rebate on local, online and overseas spending is 5 times higher than the average credit card’s 0.4% rate.


This PrimeCredit credit card also offers several perks for travellers. Cardholders enjoy waived foreign currency transaction fees, limo service discounts and up to 3 complimentary lounge visits per year, all with no spending requirements.

One drawback is that EarnMORE UnionPay Diamond Card’s 2% rebate is capped at just HK$2,000 per year, which you can reach by spending HK$100,000 annually. Consumers would only need to spend about HK$8,333 per month to hit this annual cap, which means higher-income earners might want to consider an uncapped credit card like Standard Chartered Simply Cash Visa Card or Citi Cash Back Card.

PrimeCredit EarnMORE UnionPay Diamond Card is a great choice for average earners looking for impressive rewards across their budget.

  • Minimum income requirement: HK$150,000
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas and online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service and up to 3 free lounge visits per year

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

  • 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$500 supermarket coupon
  • 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

Citi Cash Back Visa Card is a great choice for overseas shoppers and foodies who love eating out . Cardholders earn an uncapped 2% cashback on all transactions at restaurants and in foreign currencies, in addition to 1% on all other purchases, which is 2.5 times higher than the market average of 0.4% for general spend.


This Citibank credit card’s HK$240,000 minimum income requirement and HK$1,800 annual fee make it less accessible than other choices on the market. However, Citi Cash Back Visa Card does not limit your monthly cashback and has no spending requirements, so consumers with a larger budget who don’t want to worry about exceeding their rewards caps can benefit from this card.

  • HK$240k min. annual salary
  • 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
  • Stand-Out: 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$500 supermarket coupon
  • 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
Citi Cash Back Visa Card is a great choice for overseas shoppers and foodies who love eating out . Cardholders earn an uncapped 2% cashback on all transactions at restaurants and in foreign currencies, in addition to 1% on all other purchases, which is 2.5 times higher than the market average of 0.4% for general spend.


This Citibank credit card’s HK$240,000 minimum income requirement and HK$1,800 annual fee make it less accessible than other choices on the market. However, Citi Cash Back Visa Card does not limit your monthly cashback and has no spending requirements, so consumers with a larger budget who don’t want to worry about exceeding their rewards caps can benefit from this card.

  • HK$240k min. annual salary
  • 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

Best Air Miles Credit Cards for Mobile Pay

These miles cards have competitive rewards rates for local and overseas spending, including your digital wallet purchases. You can redeem air miles with your favourite airline for free or discounted flights, or use them for seat upgrades. Check out our guide to air miles credit cards to learn more about maximising your savings on air travel with miles rewards.

Standard Chartered Asia Miles Mastercard: Boosted Miles Rates on Dining and Overseas Transactions

  • Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is a unique card that offers both competitive rewards for general spending and top miles rates in select spending categories. The 0.167 miles earned per HK$1 local spend is significantly higher than the 0.067 market average, and the 0.250+ miles earned for every HK$1 spent dining out is a great benefit considering many consumers use a significant portion of their budget at restaurants.


The HK$2,000 annual fee is comparatively high by market standards, but this can be waived by opening one of several bank account types with Standard Chartered. One eligible account is the SC Bonus Payroll Account which has a monthly salary requirement of just HK$5,000. Additionally, consumers who use SC products or services-—premium deposit, investments, insurance, mortgage loan, online banking and more-—will earn an additional 70 miles per service per month.

The HK$96,000 minimum annual salary means average income earners can also access this card. The most significant drawback is that this SC card does not offer travel perks like lounge access or discounted limo services that competitor cards Citi PremierMiles Card or DBS World Mastercard afford their consumers. Altogether, Standard Chartered Asia Miles Mastercard offers top miles rewards for general spending and great rates in key categories like dining and overseas purchases.

  • HK$96k min. annual salary
  • 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
  • Stand-Out: Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is a unique card that offers both competitive rewards for general spending and top miles rates in select spending categories. The 0.167 miles earned per HK$1 local spend is significantly higher than the 0.067 market average, and the 0.250+ miles earned for every HK$1 spent dining out is a great benefit considering many consumers use a significant portion of their budget at restaurants.


The HK$2,000 annual fee is comparatively high by market standards, but this can be waived by opening one of several bank account types with Standard Chartered. One eligible account is the SC Bonus Payroll Account which has a monthly salary requirement of just HK$5,000. Additionally, consumers who use SC products or services-—premium deposit, investments, insurance, mortgage loan, online banking and more-—will earn an additional 70 miles per service per month.

The HK$96,000 minimum annual salary means average income earners can also access this card. The most significant drawback is that this SC card does not offer travel perks like lounge access or discounted limo services that competitor cards Citi PremierMiles Card or DBS World Mastercard afford their consumers. Altogether, Standard Chartered Asia Miles Mastercard offers top miles rewards for general spending and great rates in key categories like dining and overseas purchases.

  • HK$96k min. annual salary
  • 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

DBS Black World Mastercard: Discounted Flights through the DBS iGo App

  • 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

Frequent travellers looking to accumulate significant air miles across on every purchase they make should definitely consider theDBS Black World Mastercard. Cardholders earn 0.167 miles earned for HK$1 spend, boosted to 0.250 miles for transactions in foreign currency.


Consumers can also enjoy generous discounts by redeeming rewards through DBS’s iGO Rewards platform. You can maximize the value of your points with a 45% discount on flights, hotel nights, and car rentals redeemed in DBS$. Put another way, the value of each DBS$1 earned is nearly doubled (increased 1.8x) when redeemed through the iGO platform.

While DBS Black World Mastercard offers very high rewards and significant discount potential to consumers, it has a comparatively high annual fee of HK$2,000 and doesn’t offer the luxury perks of competitor cards like Amex Cathay Pacific Elite Credit Card. Altogether, this card is a great choice for frequent travellers looking for huge savings on flights and travel arrangements.

  • HK$240k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver
  • 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
  • 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
Frequent travellers looking to accumulate significant air miles across on every purchase they make should definitely consider theDBS Black World Mastercard. Cardholders earn 0.167 miles earned for HK$1 spend, boosted to 0.250 miles for transactions in foreign currency.


Consumers can also enjoy generous discounts by redeeming rewards through DBS’s iGO Rewards platform. You can maximize the value of your points with a 45% discount on flights, hotel nights, and car rentals redeemed in DBS$. Put another way, the value of each DBS$1 earned is nearly doubled (increased 1.8x) when redeemed through the iGO platform.

While DBS Black World Mastercard offers very high rewards and significant discount potential to consumers, it has a comparatively high annual fee of HK$2,000 and doesn’t offer the luxury perks of competitor cards like Amex Cathay Pacific Elite Credit Card. Altogether, this card is a great choice for frequent travellers looking for huge savings on flights and travel arrangements.

  • HK$240k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver
  • 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

Citi PremierMiles Card: Luxury Travel Perks and No Miles Conversion Fees

  • No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive HK$300 supermarket coupon
  • 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

Citi PremierMiles Card offers some of the best miles rates on the market for frequent travellers with a relatively high income. Every HK$1 spent abroad earns 0.250 miles, boosted to 0.333 miles when you spend over HK$20,000 in a month. Local spending also earns 0.125 miles per HK$1, well above the average rate.


This card is a good choice if you are looking for premium perks before your flights. Cardholders are granted 12 complimentary lounge trips at more than 50 designated Plaza Premium Lounges worldwide as long as you spend an achievable HK$5,000 within 30 days of the date of each visit.

Frequent overseas travellers who want top rewards on foreign currency spend and respectable miles for local transactions should definitely consider Citi PremierMiles Card.

  • HK$240k min. annual salary
  • 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
  • Stand-Out: No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive HK$300 supermarket coupon
  • 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
Citi PremierMiles Card offers some of the best miles rates on the market for frequent travellers with a relatively high income. Every HK$1 spent abroad earns 0.250 miles, boosted to 0.333 miles when you spend over HK$20,000 in a month. Local spending also earns 0.125 miles per HK$1, well above the average rate.


This card is a good choice if you are looking for premium perks before your flights. Cardholders are granted 12 complimentary lounge trips at more than 50 designated Plaza Premium Lounges worldwide as long as you spend an achievable HK$5,000 within 30 days of the date of each visit.

Frequent overseas travellers who want top rewards on foreign currency spend and respectable miles for local transactions should definitely consider Citi PremierMiles Card.

  • HK$240k min. annual salary
  • 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

Frequently Asked Questions

Digital wallets offer various security measures including two-factor authentication methods and personalized security settings. When you lose a regular wallet, your cash and credit cards are immediately at risk of being stolen. However, biometric locks and passwords on phones make it more difficult to access your personal information, and you can lock your digital wallet remotely. These measures can make a digital wallet even safer than traditional payment methods.

Several mobile wallets can be used across the border, including WeChat Pay HK and Alipay HK. A UnionPay mobile wallet can be used to transact with millions of mainland China merchants.

You can enjoy a number of discounts and rebates with select merchants with a digital wallet. Using your digital wallet to spend with these vendors will typically result in a rebate directly to your app. Some wallets offer time-limited welcome offers such as BoC Pay, AlipayHK and O! ePay.

Applying for a digital wallet is relatively simple and does not have many requirements. Most wallets only require some basic personal information, a Hong Kong phone number, and an email address. Digital wallets affiliated with a bank do not require you to have an account with that bank. After determining which digital wallet best meets your needs, you can find more information on the company website and apply for an account online or on your phone.

Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as a Legislative Fellow as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross and received multiple scholarships for Chinese language studies, including the State Department Critical Language Scholarship.