Compare the Best No Annual Fee Credit Cards in Hong Kong 2021

If you want to avoid fees that cut into the rewards you earn on your spending, you should consider a no annual fee credit card. Some credit card providers offer no annual fee without any conditions, while others waive their fee for maintaining a banking relationship with them. Our experts reviewed every no fee credit card in Hong Kong to determine the best for cashback and air miles rewards, online spending and mobile pay.

Best No Annual Fee Cashback Credit Cards

Best No Annual Fee Miles Cards

Best No Annual Fee Cards for Online Shopping

Best No Annual Fee 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, the dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best overall credit cards compare to one another in terms of their rewards
Best Overall Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best No Annual Fee Cashback Credit Cards

Best No Annual Fee Miles Cards

Best No Annual Fee Cards for Online Shopping

Best No Annual Fee Cards for Mobile Pay

Compare Best Credit Cards in Hong Kong by Dollar Value

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

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

Best No Annual Fee Cashback Credit Cards

With a no annual fee credit card, you can save the cashback rewards you earn on your everyday spending. Choose between a credit card with consistent rewards across all of your spending like Standard Chartered Simply Cash Visa Card, or select a card that offers boosted cashback with specific merchants and categories.

Standard Chartered Simply Cash Visa Card: Unlimited, Consistent Cashback On Every Purchase

  • 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

Standard Chartered Simply Cash Visa Card is a great choice if you are looking for a consistent cashback card without complex spending requirements and rewards caps. Cardholders earn an uncapped 1.5% rebate on local spend, boosted to 2% on spend in foreign currencies.


This cashback card is especially useful for Standard Chartered loyalists. The annual fee of HK$2,000, waived for the first year, is also waived perpetually for Standard Chartered Bonus Payroll, Priority or Premium Banking accounts. Combined with its low HK$96,000 minimum income requirement, SC Simply Cash Visa is an accessible choice for simple, respectable cashback rewards.

  • HK$96,000 min. annual salary
  • Annual fee: HK$2,000, 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
Standard Chartered Simply Cash Visa Card is a great choice if you are looking for a consistent cashback card without complex spending requirements and rewards caps. Cardholders earn an uncapped 1.5% rebate on local spend, boosted to 2% on spend in foreign currencies.


This cashback card is especially useful for Standard Chartered loyalists. The annual fee of HK$2,000, waived for the first year, is also waived perpetually for Standard Chartered Bonus Payroll, Priority or Premium Banking accounts. Combined with its low HK$96,000 minimum income requirement, SC Simply Cash Visa is an accessible choice for simple, respectable cashback rewards.

  • HK$96,000 min. annual salary
  • Annual fee: HK$2,000, 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

Hang Seng enJoy Card: Exclusive Discounts with Popular Merchants

  • Up to 2% rebate on spend w/ popular local merchants & restaurants
  • Promotions: Receive HK$300 cashback (60,000 yuu Points) w/ HK$4k designated merchant spend in 1st 2mo
  • Receive HK$100 cashback (20,000 yuu Points) w/ online application
  • Read Our Full Review
Brand Loyalists can earn great rebates and save significantly at select vendors with Hang Seng enJoy Card. Cardholders can enjoy a 1% yuu Reward Points rebate on purchases with GNC and Maxim’s Group, 1.5% at 7-Eleven, Mannings, IKEA, Wellcome and more, and 2% at popular eateries Pizza Hut, KFC, and PHD.


You can redeem yuu Rewards Points with the same merchants you earn them with, and points are easily spent through the yuu Rewards APP. What’s more, foodies can enjoy significant discounts at restaurants like Maxim's, Pizza Hut and KFC with their card.

While Hang Seng enJoy Card offers competitive rewards at certain restaurants and retailers, general spending only earns a 0.5% rebate, which is just above the market average of 0.4%. Overall, this no annual fee card is a good choice for people looking for significant savings at their favorite stores and restaurants.

  • HK$150,000 min. annual salary
  • Annual fee: Free
  • Up to 2% yuu Rewards points rebate on spend w/ enJoy Card designated merchants
  • 0.5% Cash Dollars rebate on all other spend
  • yuuu Rewards Points are only redeemable w/ designated enJoy merchants
  • Cash Dollars are redeemable w/ 7,000+ merchant outlets
  • Merchant Dollars boost & Year-Round Discounts with designated merchants
  • Stand-Out: Up to 2% rebate on spend w/ popular local merchants & restaurants
  • Promotions: Receive HK$300 cashback (60,000 yuu Points) w/ HK$4k designated merchant spend in 1st 2mo
  • Receive HK$100 cashback (20,000 yuu Points) w/ online application
  • Read Our Full Review
Brand Loyalists can earn great rebates and save significantly at select vendors with Hang Seng enJoy Card. Cardholders can enjoy a 1% yuu Reward Points rebate on purchases with GNC and Maxim’s Group, 1.5% at 7-Eleven, Mannings, IKEA, Wellcome and more, and 2% at popular eateries Pizza Hut, KFC, and PHD.


You can redeem yuu Rewards Points with the same merchants you earn them with, and points are easily spent through the yuu Rewards APP. What’s more, foodies can enjoy significant discounts at restaurants like Maxim's, Pizza Hut and KFC with their card.

While Hang Seng enJoy Card offers competitive rewards at certain restaurants and retailers, general spending only earns a 0.5% rebate, which is just above the market average of 0.4%. Overall, this no annual fee card is a good choice for people looking for significant savings at their favorite stores and restaurants.

  • HK$150,000 min. annual salary
  • Annual fee: Free
  • Up to 2% yuu Rewards Points rebate on spend w/ enJoy Card designated merchants
  • 0.5% Cash Dollars rebate on all other spend
  • yuuu Rewards Points are only redeemable w/ designated enJoy merchants
  • Cash Dollars are redeemable w/ 7,000+ merchant outlets
  • Merchant Dollars boost & Year-Round Discounts with designated merchants

BEA Visa Signature Card: Exclusive Discounts with Popular Merchants

  • 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
BEA Visa Signature Card offers an excellent 2.4% cashback on local dining expenses, making it a great choice if you love eating out. Cardholders also earn 1.6% cashback on overseas spending, though the 0.4% rebate for general spend is just average by market standards.


With an HK$240,000 minimum income requirement, BEA Visa Signature Card is one of the less accessible credit cards in Hong Kong. However, the annual fee waiver for maintaining deposits, mortgage loans, consumer loans or MPF accounts with BEA coupled with high dining cashback rewards make it an optimal choice for wealthy foodies.

  • HK$240,000 min. annual salary
  • Annual Fee: HK$1,800, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend
  • Stand-Out: 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
BEA Visa Signature Card offers an excellent 2.4% cashback on local dining expenses, making it a great choice if you love eating out. Cardholders also earn 1.6% cashback on overseas spending, though the 0.4% rebate for general spend is just average by market standards.


With an HK$240,000 minimum income requirement, BEA Visa Signature Card is one of the less accessible credit cards in Hong Kong. However, the annual fee waiver for maintaining deposits, mortgage loans, consumer loans or MPF accounts with BEA coupled with high dining cashback rewards make it an optimal choice for wealthy foodies.

  • HK$240,000 min. annual salary
  • Annual Fee: HK$1,800, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend

Best No Annual Fee Miles Cards

To choose the best no fee air miles card, you should weigh which airline you prefer to travel with and what travel perks you prefer the most. A credit card that earns Asia Miles is great for shopping between airlines, while CCB (Asia) Hong Kong Airlines Fly Away Credit Card’s FWC points are best for mainland China airlines. Confused about air miles, points systems and how to redeem your rewards? Check out our guide to Hong Kong air miles credit cards to learn more.

Standard Chartered Asia Miles Mastercard: Excellent Miles Rate for Dining Spending

  • 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
Foodies looking for the best miles rates on the market for their dining spend should consider Standard Chartered Asia Miles Mastercard. The base miles rate for local transactions is 0.167 miles per HK$1 spend, 2.5 times the market average of 0.067. What’s more, cardholders earn 0.250 miles ** for overseas, online and general dining transactions, and dining at select restaurants can earn up to **1.250 miles on Mondays.


You can enjoy a perpetual fee waiver with a banking relationship with Standard Chartered, which is worth considering because SC Asia Miles Mastercard has a relatively high annual fee of HK$2,000. Asia Miles is the most popular miles programme in Hong Kong. So, if you are a frequent flyer looking for rapid miles that can be exchanged with numerous airlines, you should definitely consider this card.

  • HK$96,000 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
Foodies looking for the best miles rates on the market for their dining spend should consider Standard Chartered Asia Miles Mastercard. The base miles rate for local transactions is 0.167 miles per HK$1 spend, 2.5 times the market average of 0.067. What’s more, cardholders earn 0.250 miles ** for overseas, online and general dining transactions, and dining at select restaurants can earn up to **1.250 miles on Mondays.


You can enjoy a perpetual fee waiver with a banking relationship with Standard Chartered, which is worth considering because SC Asia Miles Mastercard has a relatively high annual fee of HK$2,000. Asia Miles is the most popular miles programme in Hong Kong. So, if you are a frequent flyer looking for rapid miles that can be exchanged with numerous airlines, you should definitely consider this card.

  • HK$96,000 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

BEA World Mastercard: Rounded Rewards for Local Spenders

  • Top miles rates or dining rewards that match your lifestyle
  • Promotions: Receive HK$600 supermarket coupon
  • The Singleton of Glen Ord 12/18 Year AND up to 5% cashback on dining spend w/ HK$4k+ spend in 1st 2mo, OR:
  • Recive HK$300 cashback w/ HK$3k spend in 1st 2mo, OR:
  • Receive 300 miles w/ HK$3k spend in 1st 2mo
  • Read Our Full Review
Consumers can earn very competitive miles rewards on every purchase with the BEA World Mastercard. By enrolling in the BEA Mileage Reward programme, you can boost the 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies and government departments up to 0.200 mile per HK$1 for all other spending. Both rates are significantly higher than the market average of 0.067 miles per HK$1 spend.


One drawback of this card is its high HK$240,000 minimum income requirement and very high HK$3,000 annual fee BEA customers with deposit, Mandatory Provident Fund, mortgage or consumer loan accounts can perpetually waive this annual fee, but other consumers will lose a significant portion of their rewards every year to this fee. The BEA World Mastercard is therefore optimised for BEA loyalists with a higher salary.

  • HK$240,000 min. annual salary
  • Annual fee: HK$3,000, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • 1.6% cashback on dining spend
  • Access to over 1,000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans
  • Stand-Out: Top miles rates or dining rewards that match your lifestyle
  • Promotions: Receive HK$600 supermarket coupon
  • The Singleton of Glen Ord 12/18 Year AND up to 5% cashback on dining spend w/ HK$4k+ spend in 1st 2mo, OR:
  • Recive HK$300 cashback w/ HK$3k spend in 1st 2mo, OR:
  • Receive 300 miles w/ HK$3k spend in 1st 2mo
  • Read Our Full Review
Consumers can earn very competitive miles rewards on every purchase with the BEA World Mastercard. By enrolling in the BEA Mileage Reward programme, you can boost the 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies and government departments up to 0.200 mile per HK$1 for all other spending. Both rates are significantly higher than the market average of 0.067 miles per HK$1 spend.


One drawback of this card is its high HK$240,000 minimum income requirement and very high HK$3,000 annual fee BEA customers with deposit, Mandatory Provident Fund, mortgage or consumer loan accounts can perpetually waive this annual fee, but other consumers will lose a significant portion of their rewards every year to this fee. The BEA World Mastercard is therefore optimised for BEA loyalists with a higher salary.

  • HK$240,000 min. annual salary
  • Annual fee: HK$3,000, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • 1.6% cashback on dining spend
  • Access to over 1,000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans

BOC Dual Currency Diamond Card: Top Mobile Cashback and Excellent 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. Our analysis of this BOC credit card shows that its flexible rewards programme, dual currency capability and airport perks make it a great choice for regional travellers with a limited budget.


Cardholders earn 4% cashback when transacting with mobile pay and 0.067 miles per HK$1 spend or 0.4% cashback on other purchases. What’s more, you can enjoy great travel perks like free airport lounge visits and discounted limo service with this BOC card.

Like other BOC credit cards, this card has no annual fee. Consumers looking for elevated cashback and miles rewards plus great travel perks should definitely consider the BOC Dual Currency Diamond Card.

  • HK$200,000 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. Our analysis of this BOC credit card shows that its flexible rewards programme, dual currency capability and airport perks make it a great choice for regional travellers with a limited budget.


Cardholders earn 4% cashback when transacting with mobile pay and 0.067 miles per HK$1 spend or 0.4% cashback on other purchases. What’s more, you can enjoy great travel perks like free airport lounge visits and discounted limo service with this BOC card.

Like other BOC credit cards, this card has no annual fee. Consumers looking for elevated cashback and miles rewards plus great travel perks should definitely consider the BOC Dual Currency Diamond Card.

  • HK$200,000 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

CCB (Asia) Hong Kong Airlines Fly Away Credit Card: Rapid FWC Miles for HKA Loyalists

  • 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Read Our Full Review
Hong Kong Airlines (HKA) loyalists can rapidly earn air miles points with CCB (Asia) Hong Kong Airlines Fly Away Credit Card. Cardholders earn 0.167 FWC points per HK$1 local spend, elevated to 0.250 for Hong Kong Airlines (HKA) bookings, inflight retail purchases and overseas spending.


FWC points, the currency of Hainan Airlines’ Fortune Wings Club, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades and more with any Hainan Airlines subsidiary (HKA, Grand China Air, Lucky Air and more).

The CCB credit card's other benefits include priority check-in and boarding before flights out of Hong Kong International Airport (HKIA) or HKA flights, 5 free lounge visits per year and no annual fee. If you are a frequent HKA flyer, you should definitely consider CCB (Asia) Hong Kong Airlines Fly Away Credit Card.

  • HK$150,000 min. annual salary
  • 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
  • Stand-Out: 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Read Our Full Review
Hong Kong Airlines (HKA) loyalists can rapidly earn air miles points with CCB (Asia) Hong Kong Airlines Fly Away Credit Card. Cardholders earn 0.167 FWC points per HK$1 local spend, elevated to 0.250 for Hong Kong Airlines (HKA) bookings, inflight retail purchases and overseas spending.


FWC points, the currency of Hainan Airlines’ Fortune Wings Club, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades and more with any Hainan Airlines subsidiary (HKA, Grand China Air, Lucky Air and more).

The CCB credit card's other benefits include priority check-in and boarding before flights out of Hong Kong International Airport (HKIA) or HKA flights, 5 free lounge visits per year and no annual fee. If you are a frequent HKA flyer, you should definitely consider CCB (Asia) Hong Kong Airlines Fly Away Credit Card.

  • HK$150,000 min. annual salary
  • 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

Best No Annual Fee Cards for Online Shopping

HSBC Red Credit Card: High Online and Grocery Store Cashback with No Annual Fee

  • Up to 4% online & 2% supermarket spend w/ no caps
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Receive extra HK$200 Wellcome supermarket vouchers w/ HK$8k spend in 1st 2mo
  • Read Our Full Review
HSBC Red Credit Card is ideal for consumers who want high, uncapped cashback on their online shopping and grocery spend without paying an annual fee. Cardholders earn an impressive 4% cashback on their online spend, 2% on supermarket spend, and 1% on all other transactions.


Consumers also enjoy access to HSBC Year-round Offers, which include discounts on dining, shopping, online purchases and more, as well as card-specific merchant offers like HK$20 discounts on Deliveroo orders. Local spenders can enjoy some of the highest uncapped rebates on the market in specific spend categories with this no annual fee credit card.

  • HK$120,000 min. annual salary
  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • 0.4% cashback for online bill pay
  • HSBC Year-Round Offers
  • Stand-Out: Up to 4% online & 2% supermarket spend w/ no caps
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Receive extra HK$200 Wellcome supermarket vouchers w/ HK$8k spend in 1st 2mo
  • Read Our Full Review
HSBC Red Credit Card is ideal for consumers who want high, uncapped cashback on their online shopping and grocery spend without paying an annual fee. Cardholders earn an impressive 4% cashback on their online spend, 2% on supermarket spend, and 1% on all other transactions.


Consumers also enjoy access to HSBC Year-round Offers, which include discounts on dining, shopping, online purchases and more, as well as card-specific merchant offers like HK$20 discounts on Deliveroo orders. Local spenders can enjoy some of the highest uncapped rebates on the market in specific spend categories with this no annual fee credit card.

  • HK$120,000 min. annual salary
  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • 0.4% cashback for online bill pay
  • HSBC Year-Round Offers

CCB (Asia) JD Credit Card: High Online and Grocery Store Cashback with No Annual Fee

  • 4% rebate for online spend and no annual fee
  • Promotions: Receive “Early Bird Privileges” Discount coupons worth up to RMB299
  • Read Our Full Review
CCB (Asia) JD Credit Card offers frequent online shoppers one of the highest uncapped cashback rates for online purchases on the market. This CCB credit card boasts an impressive 4% cash rebate for all online spending plus 0.5% cashback on other local and overseas purchases.


JD loyalists can also access exclusive discounts on the JD Platform with this CCB credit card. Cardholders can enjoy a “Monthly Exclusive Benefit” discount coupon of up to ¥99 after meeting modest spending requirements. Cardholders also have a chance to win an “Instantly Random Discount” every day ranging from ¥1 to ¥299 when settling payments. On “VIP Day”, the 6th of each month, consumers have a chance to receive a discount coupon package worth up to ¥598.

JD customers looking for very high cashback on their online purchases should definitely consider this credit card. However, the relatively low 0.5% cashback for general transactions means you might want to consider using this CCB card for your online purchases while using another card for better rewards in different categories.

  • HK$150,000 min. annual salary
  • Annual fee: Free
  • 4% cashback on all online purchases
  • 0.5% cashback on local and overseas spend
  • 0.5% cashback on Octopus AAVS reloads, e-wallet top ups and online bill payments
  • JD discounts:
  • “Early Bird Privileges” Discount
  • “Monthly Exclusive Benefit” Discount
  • “Instantly Random Discount”
  • “VIP Day” Discount coupons
  • Stand-Out: 4% rebate for online spend and no annual fee
  • Promotions: Receive “Early Bird Privileges” Discount coupons worth up to RMB299
  • Read Our Full Review
CCB (Asia) JD Credit Card offers frequent online shoppers one of the highest uncapped cashback rates for online purchases on the market. This CCB credit card boasts an impressive 4% cash rebate for all online spending plus 0.5% cashback on other local and overseas purchases.


JD loyalists can also access exclusive discounts on the JD Platform with this CCB credit card. Cardholders can enjoy a “Monthly Exclusive Benefit” discount coupon of up to ¥99 after meeting modest spending requirements. Cardholders also have a chance to win an “Instantly Random Discount” every day ranging from ¥1 to ¥299 when settling payments. On “VIP Day”, the 6th of each month, consumers have a chance to receive a discount coupon package worth up to ¥598.

JD customers looking for very high cashback on their online purchases should definitely consider this credit card. However, the relatively low 0.5% cashback for general transactions means you might want to consider using this CCB card for your online purchases while using another card for better rewards in different categories.

  • HK$150,000 min. annual salary
  • Annual fee: Free
  • 4% cashback on all online purchases
  • 0.5% cashback on local and overseas spend
  • 0.5% cashback on Octopus AAVS reloads, e-wallet top ups and online bill payments
  • JD discounts:
  • “Early Bird Privileges” Discount
  • “Monthly Exclusive Benefit” Discount
  • “Instantly Random Discount”
  • “VIP Day” Discount coupons

BEA i-Titanium Card: High Online and Grocery Store Cashback with No Annual Fee

  • Competitive 3.4% rebate on online spend
  • Promotions: Receive HK$300 supermarket coupon
  • Receive HK$300 cash rebate w/ HK$3k spend in 1st 2mo
  • STUDENTS: Receive Netflix 3 Month Subscription Reward OR HK$200 cashback w/ HK$2.5k/2k spend in 1st 2mo
  • Receive JBL Tune12- wireless headphones w/ HK$4k spend in 1st 2mo
  • Student Card: 4 MCL Cinemas Vouchers OR HK$200 rebate w/ HK$2k spend in 1st 2mo
  • Read Our Full Review
BEA i-Titanium Card is a good choice for students looking for competitive cashback on their online spending. With HK$1,800 spend per month, cardholders earn a 3% i-Dollar rebate for online spending in addition to the 0.4% general cashback rate, resulting in a solid 3.4% rebate.


The HK$40,000 minimum annual income requirement is already very low by market standards, and full-time tertiary students can waive this salary requirement entirely. What’s more, BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders can perpetually waive the HK$600 annual fee, which means you keep the rewards you earn.

Lower-income consumers who don’t mind meeting modest spending requirements should consider BEA i-Titanium for their online transactions.

  • HK$40,000 min. annual salary (waived for students)
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases
  • Up to 48 month 0% interest instalment plans
  • BEA Year-Round Offers
  • Stand-Out: Competitive 3.4% rebate on online spend
  • Promotions: Receive HK$300 supermarket coupon
  • Receive HK$300 cash rebate w/ HK$3k spend in 1st 2mo
  • STUDENTS: Receive Netflix 3 Month Subscription Reward OR HK$200 cashback w/ HK$2.5k/2k spend in 1st 2mo
  • Receive JBL Tune12- wireless headphones w/ HK$4k spend in 1st 2mo
  • Student Card: 4 MCL Cinemas Vouchers OR HK$200 rebate w/ HK$2k spend in 1st 2mo
  • Read Our Full Review
BEA i-Titanium Card is a good choice for students looking for competitive cashback on their online spending. With HK$1,800 spend per month, cardholders earn a 3% i-Dollar rebate for online spending in addition to the 0.4% general cashback rate, resulting in a solid 3.4% rebate.


The HK$40,000 minimum annual income requirement is already very low by market standards, and full-time tertiary students can waive this salary requirement entirely. What’s more, BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders can perpetually waive the HK$600 annual fee, which means you keep the rewards you earn.

Lower-income consumers who don’t mind meeting modest spending requirements should consider BEA i-Titanium for their online transactions.

  • HK$40,000 min. annual salary (waived for students)
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases
  • Up to 48 month 0% interest instalment plans
  • BEA Year-Round Offers

BOC Taobao World Mastercard: Waive Handling Fees on Taobao Purchases

  • No fees for Taobao and overseas spend
  • Promotions: Receive HK$300 cashback w/ HK$3k min. spend in 1st 3mo (including 1 mobile payment)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Taobao World Mastercard offers Taobao loyalists a convenient way to avoid handling and overseas spending fees on the Taobao platform. Consumers earn Gift Points on all of their transactions, which are redeemable for 0.4% cashback or 0.067 miles per HK$1 spend.


Cardholders can also participate in Taobao’s annual sales and promotion activities, like Single’s Day discounts and other savings opportunities.

With no annual fee and a competitive HK$150,000 minimum income requirement, our analysis showed that this branded BOC card is optimised for frequent online shoppers. Cardholders may want to consider using this card specifically for Taobao purchases while using another credit card with higher rebates for general purchases.

  • HK$150,000 min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 spend or 0.4% cashback general spend
  • Participate in Taobao annual promotions and sales
  • Unlimited 0% handling fee at Taobao
  • No handling fee for overseas spend
  • Stand-Out: No fees for Taobao and overseas spend
  • Promotions: Receive HK$300 cashback w/ HK$3k min. spend in 1st 3mo (including 1 mobile payment)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Taobao World Mastercard offers Taobao loyalists a convenient way to avoid handling and overseas spending fees on the Taobao platform. Consumers earn Gift Points on all of their transactions, which are redeemable for 0.4% cashback or 0.067 miles per HK$1 spend.


Cardholders can also participate in Taobao’s annual sales and promotion activities, like Single’s Day discounts and other savings opportunities.

With no annual fee and a competitive HK$150,000 minimum income requirement, our analysis showed that this branded BOC card is optimised for frequent online shoppers. Cardholders may want to consider using this card specifically for Taobao purchases while using another credit card with higher rebates for general purchases.

  • HK$150,000 min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 spend or 0.4% cashback general spend
  • Participate in Taobao annual promotions and sales
  • Unlimited 0% handling fee at Taobao
  • No handling fee for overseas spend

Best No Annual Fee Cards for Mobile Pay

The following credit cards offer boosted rewards when spending with a digital wallet. Digital wallets offer a secure and easy way to transact with thousands of merchants and send money to friends and family, both in Hong Kong and abroad.

Hang Seng MPOWER Card: Top Cashback on Local 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
Budget-conscious consumers looking to optimise cashback in select categories can earn significant rewards with the Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars rebate on local dining, entertainment and fashion spend made with mobile pay (up to $100 Cash Dollars/month), as well as on online and overseas transactions of HK$300+ (up to $200 Cash Dollars/month in each category). Cardholders can also take advantage of discounted movie tickets, waived online ticket booking fees, and priority reservations for concerts.


Cash Dollars are redeemed at a rate of $1 Cash Dollar per HK$1 and can be spent with over 7,400 merchants in Hong Kong and mainland China. While cardholders must spend HK$3,000 per month to achieve the boosted 5% rebate, this shouldn't be a difficult requirement for most consumers.

Although Hang Seng MPOWER Card offers excellent rebates for mobile spend in specific categories, consumers who want to avoid spending caps or use their card more flexibly may want to try a more straightforward card like the Standard Chartered Simply Cash Visa Card. However, if you are looking for top rebates on a limited budget, you should definitely consider this Hang Seng credit card.

  • HK$150,000 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
Budget-conscious consumers looking to optimise cashback in select categories can earn significant rewards with the Hang Seng MPOWER Card. Cardholders earn a 5% Cash Dollars rebate on local dining, entertainment and fashion spend made with mobile pay (up to $100 Cash Dollars/month), as well as on online and overseas transactions of HK$300+ (up to $200 Cash Dollars/month in each category). Cardholders can also take advantage of discounted movie tickets, waived online ticket booking fees, and priority reservations for concerts.


Cash Dollars are redeemed at a rate of $1 Cash Dollar per HK$1 and can be spent with over 7,400 merchants in Hong Kong and mainland China. While cardholders must spend HK$3,000 per month to achieve the boosted 5% rebate, this shouldn't be a difficult requirement for most consumers.

Although Hang Seng MPOWER Card offers excellent rebates for mobile spend in specific categories, consumers who want to avoid spending caps or use their card more flexibly may want to try a more straightforward card like the Standard Chartered Simply Cash Visa Card. However, if you are looking for top rebates on a limited budget, you should definitely consider this Hang Seng credit card.

  • Annual fee: Free
  • HK$150,000 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

CCB eye Platinum Credit Card: Top Miles Rates for Mobile Pay Transactions

  • 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 allows consumers who often use mobile pay and make purchases online to some of the highest miles rates on the market. Cardholders earn 0.333 miles per HK$1 spent online and through Visa Contactless Payments, boosted to 0.469 miles for the same kinds of transactions overseas.


While non-mobile overseas purchases still earn 0.201 miles per HK$1 spend, local transactions made without mobile pay results in just 0.067 miles, so cardholders should make purchases through Visa Contactless Payments or online for the best rates.

Overall, CCB eye Platinum Credit Card’s significant miles rewards and no annual fee make it a great choice for consumers who don’t mind only using their card for specific kinds of purchases.

  • HK$150,000 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 allows consumers who often use mobile pay and make purchases online to some of the highest miles rates on the market. Cardholders earn 0.333 miles per HK$1 spent online and through Visa Contactless Payments, boosted to 0.469 miles for the same kinds of transactions overseas.


While non-mobile overseas purchases still earn 0.201 miles per HK$1 spend, local transactions made without mobile pay results in just 0.067 miles, so cardholders should make purchases through Visa Contactless Payments or online for the best rates.

Overall, CCB eye Platinum Credit Card’s significant miles rewards and no annual fee make it a great choice for consumers who don’t mind only using their card for specific kinds of purchases.

  • HK$150,000 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

BOC i-card: Top Miles Rewards and Easy Spend in Mainland China

  • 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 competitive miles card for average income earners who tend to spend in select categories. Currently, cardholders earn 0.667 miles per HK$1 online and mobile spend, one of the highest miles rates on the market. While it’s worth noting that consumers are limited to 10,000 extra bonus points (666.67 miles) per month, there’s no better option for lower or average spenders to rapidly earn miles.


This BOC credit 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.

If you have a higher income or do not want to be limited to shopping online or with mobile pay, you might want to consider the uncapped, no-hassle rewards of a card like Standard Chartered Asia Miles Mastercard. Altogether, BOC i-Card is best suited to lower-income consumers looking to optimize their rewards with specific spending habits.

  • HK$150,000 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 competitive miles card for average income earners who tend to spend in select categories. Currently, cardholders earn 0.667 miles per HK$1 online and mobile spend, one of the highest miles rates on the market. While it’s worth noting that consumers are limited to 10,000 extra bonus points (666.67 miles) per month, there’s no better option for lower or average spenders to rapidly earn miles.


This BOC credit 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.

If you have a higher income or do not want to be limited to shopping online or with mobile pay, you might want to consider the uncapped, no-hassle rewards of a card like Standard Chartered Asia Miles Mastercard. Altogether, BOC i-Card is best suited to lower-income consumers looking to optimize their rewards with specific spending habits.

  • HK$150,000 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
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.