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ChatGPT · 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong?
Recommended for a specific fit · The answer includes BOC Chill Card as an option for people with online, entertainment, or designated-merchant spending, while noting its rewards are less straightforward than direct cashback. It is not the first choice.
Nov 3, 2026, 1:01 AM UTC
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以「永久免年費、回贈容易花掉、適合作第一張卡」來看，香港上班族可先比較以下幾張（資料截至 2026 年 11 月 3 日）：
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信用卡 適合誰 年費與回贈重點 滙豐 Red 信用卡 想簡單累積、用回贈抵消消費 永久免年費；年薪要求 HK$120,000。指定網購可享首 HK$10,000 簽賬 4%「獎賞錢」，指定商戶另有較高回贈；「獎賞錢」可用來抵消消費交易。需留意網購和指定商戶回贈有條件及上限。(hsbc.com.hk) 中銀 Chill Card 網購、娛樂或常用指定商戶較多 主卡永久免年費；消費可賺 Gift Points，獎賞選項包括現金回贈及抵銷簽賬。指定 Chill 商戶最高 8% 回贈，但部分優惠要求每月實體店簽賬達 HK$1,000；回贈較有彈性，操作上不如直接現金回贈單純。(bochk.com) 恒生 enJoy Visa 白金卡 常在惠康、萬寧、7-Eleven 或指定食肆消費 永久免年費；yuu 積分可按 200 分兌 HK$1 作現金使用，也可換電子券。官方列出全年最高 4 倍 yuu 積分、相當於 2% 回贈，但屬「最高」回贈，並非所有消費都一定有 2%；信用卡申請年薪要求 HK$150,000。(hangseng.com) 渣打 Smart 信用卡 每月信用卡簽賬較穩定、常去指定商戶 永久免年費；年薪要求 HK$96,000。但目前回贈計劃要求每月合資格簽賬至少 HK$4,000，未達門檻當月沒有回贈；回贈要到網上平台兌換，最低 HK$50。因此除非你平常每月簽賬穩定達標，否則未必是最省心的第一張卡。(sc.com) 簡單結論：如果只想先辦一張、用法不要太複雜，我會先看 滙豐 Red；如果日常消費集中在恒生 enJoy 的合作商戶，可考慮 enJoy；喜歡中銀的獎賞選擇，或有不少網購、娛樂消費，可比較 BOC Chill。渣打 Smart 的年費雖簡單，但每月 HK$4,000 門檻要先確認自己能否穩定達到。
申請前也要核對年薪及文件要求，實際批核由銀行決定。無論選哪張，建議設定自動全額還款；只付最低還款額，利息很容易抵銷回贈。
Perplexity · 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong?
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- #1 Apply for Credit Cards Online | Offers & Rewards - HSBC HKSource context · hsbc.com.hk
- #2 HSBC Credit Card Comparison: Latest Card Offers and ...Source context · moneyhero.com.hk
- #3 香港最佳信用卡比較2026年9月 - PANDAFREEDOMSource context · pandafreedom.com
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# Search Results: 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong? Found 10 results. ### Result 1 Apply for Credit Cards Online | Offers & Rewards - HSBC HK https://www.hsbc.com.hk/credit-cards/apply/ ## HSBC EveryMile Credit Card The credit card that takes you wherever you want to go, every day **Welcome offer** - Apply online for $1,250 RewardCash (or 25,000 miles)[@cards-welcomeoffer] - Earn miles at a rate as low as HKD0.4 = 1 mile[@cards-milescalculation] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - First year annual fee waiver[@cards-annualfeewaiver] - Enjoy an "Interest-free Payment Holiday" for the first two months[@cards-em-payment-holiday-offer] ... - Earn unlimited miles on designated everyday and travel spend at as low as HKD2 = 1 mile[@cards-preferentialrate],[@cards-designatedeverydayspend] - Convert your RewardCash to miles / points at 19 frequent flyer and hotel loyalty programmes at a preferential rate [@cards-preferentialrate] ... ## HSBC Red Credit Card The credit card that makes it easy to earn rewards **Welcome offer** - Earn up to $650 RewardCash with the promo code 'HSBCRED'[@cards-welcomeoffer],[@cards-welcomeoffer-red-2025] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - Perpetual annual fee waiver ... ## HSBC Visa Signature Card The credit card that elevates your lifestyle with dining and leisure privileges **Welcome offer** - Apply online to get up to $800 RewardCash[@cards-welcomeoffer] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - First 2-year annual fee waiver ... - Up to 2.4% RewardCash for spending in the Rewards of Your Choice category ... ## HSBC Premier Mastercard® The credit card that opens doors to a world of opportunity, no matter where you are. **Welcome offer** - Apply online to get up to $800 RewardCash[@cards-welcomeoffer] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - Perpetual annual fee waiver ... ## HSBC easy Credit Card The credit card that takes your rewards to the next level **Welcome offer** - Up to $700 RewardCash as welcome offer[@cards-welcomeoffer] - 1-year Moneyback VIP status when you successfully link your HSBC easy Credit Card in MoneyBack App account[@cards-1-year-moneyback-vip]. Earn 6X MoneyBack Points when you spend with your card every day. - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]. - First 2-year annual fee waiver **Rewards** - Up to 2.4% RewardCash for spending in the Rewards of Your Choice category - Earn 6X MoneyBack Points (=2.4% rebate) by linking your card in MoneyBack App ... ## HSBC Pulse UnionPay Dual Currency Diamond Credit Card The credit card that rewards you for spending at home and in mainland China **Welcome offer** - Apply online to get up to $800 RewardCash[@cards-welcomeoffer] - Apply with promo code 'HSBCPULSE' for an extra 20% RewardCash rebate for QR code payments, up to a total of $280 RewardCash[@cards-pulse-diamond-2026-extra-offer] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - First 2-year annual fee waiver ... ## HSBC Visa Gold Card Enjoy exclusive privileges worldwide and earn RewardCash every time you use your card. ### Result 2 HSBC Credit Card Comparison: Latest Card Offers and ... https://www.moneyhero.com.hk/en/credit-card/provider/hsbc |Card| | |Hot Reward Pick|MoneyHero Reward|Card Benefit|Minimum Annual Income|Annual Fee| | |--|--|--|--|--|--|--|--|--| | |HSBC EveryMile Credit Card|Apply|New credit card customers can receive $800 RewardCash|HK$1,650|$2 - 12.5 per mile |HK$240,000|HK$2,000 |Apply| | |HSBC Red Credit Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$850|0.4 - 4 % cashback |HK$120,000|Perpetual annual fee waiver|Apply| | |HSBC Pulse UnionPay Dual Currency Diamond Credit Card|Apply|-|HK$1,000|2.4 - 4.4 % cashback |HK$120,000|HK$1,800|Apply| | |HSBC Visa Signature Card|Apply|-|HK$1,000|0.04 - 3.6 % cashback |HK$240,000|HK$2,000 |Apply| | |HSBC easy Credit Card|Apply|New credit card customers can receive $600 RewardCash|HK$800|2.4 % cashback |HK$120,000|First 2 years annual fee waiver|Apply| | |HSBC UnionPay Dual Currency Card|Apply|New credit card customers can receive $600 RewardCash|HK$800|$2.27 - 4.17 per mile |HK$60,000|HK$300 |Apply| | |HSBC Visa Gold Card for Students|Apply| |-|1 - 2.4 % cashback |No Requirement|Perpetual annual fee waiver|Apply| | |HSBC Visa Gold Card|Apply|New credit card customers can receive $600 RewardCash|HK$800|1 - 2.4 % cashback |HK$60,000|HK$600 |Apply| ... ### HSBC EveryMile Credit Card Apply Now Minimum Annual Income HK$ HK$ 240,000 Card Benefit $ 2 - 12.5 per mile Annual Fee HK$ HK$ 2,000 Annual Fee Waiver First year Bank Gift - On Top of MoneyHero's ... Repayment Details ... - Interest Free Period: 56 days - Minimum Payment: All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any) (the minimum amount of Minimum Payment is HK$50). ... - Air Miles Conversion Fee: Waived - Annual Fee: HK$2,000 ... Eligibility - Min. Annual Income: HK$240,000 ... - **Enjoy an “Interest-free Payment Holiday” for the first two months** - You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required). ... ### HSBC Red Credit Card Apply Now Minimum Annual Income HK$ HK$ 120,000 Card Benefit 0.4 - 4 % cashback Annual Fee Perpetual annual fee waiver Annual Fee Waiver Perpetual annual fee waiver ... - Annual Fee: Perpetual annual fee waiver ... - Min. Annual Income: HK$120,000 ... **RewardCash rebates across the board, no minimum spending requirement, and no registration needed** - Online transactions: up to 4% RewardCash rebate (capped at HK$10,000 per month) (equivalent to HK$2.5 per air mile); 0.4% rebate for remaining spending ... - Octopus Automatic Add-Value Service and online bill payments transactions: 0.4% RewardCash rebate (equivalent to HK$25 per air mile) ... Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120). ... ### HSBC Pulse UnionPay Dual Currency Diamond Credit Card Apply Now Minimum Annual Income HK$ HK$ 120,000 Card Benefit 2.4 - 4.4 % cashback Annual Fee HK$ HK$ 1,800 Annual Fee Waiver First 2 years ... ### HSBC Visa Signature Card ... Minimum Annual Income HK$ HK$ 240,000 Card Benefit 0.04 - 3.6 % cashback Annual Fee HK$ HK$ 2,000 Annual Fee Waiver First 2 years ... ### HSBC easy Credit Card Apply Now Minimum Annual Income HK$ HK$ 120,000 Card Benefit 2.4 % cashback Annual Fee First 2 years annual fee waiver Bank Gift - On Top of MoneyHero's You’ll also receive the following welcome gift(s) directly from the bank Worth HK$200 ... Worth HK$600 ... Existing Credit Card Customers: $200 RewardCash or 15,000 MoneyBack Point (Equivalent to $300 RewardCash) MoneyHero's take - Annual Fee waiver - Local spending rebate - Supermarket rebate - Overseas rebate Card Details Fees - Annual Fee: First 2 years annual fee waiver Eligibility - Minimum Age: 18 years old - Min. Annual Income: HK$120,000 ... - **Key Features** - Welcome Offer: Enjoy up to $600 "RewardCash" (equivalent to 6,000 miles) - 2.4% "RewardCash" Rebate: Simple and straightforward, enjoy rebates with no minimum spending requirement - Designated Merchants (PARKnSHOP / Watsons / FORTRESS): Earn up to 6X "MoneyBack" points (equivalent to up to 2.4% rebate) ### Result 3 香港最佳信用卡比較2026年9月 - PANDAFREEDOM https://pandafreedom.com/best-credit-card/ ## 香港最佳信用卡比較2026年9月 其實，沒有一張信用卡適合所有人，只有最適合自己的信用卡。選擇時應按自己的消費習慣、理財需要及生活方式，比較現金回贈、積分、里數、迎新優惠、年費等，找出最適合自己的信用卡。 以下為大家比較香港熱門信用卡，助你選出最適合自己的信用卡。 ... ## 渣打國泰Mastercard 年費 首年免年費，其後HK$2000 ... ## Citi Cash Back 年費 首年免年費，其後HK$1800 回贈 0.5%-15% 現金回贈 ... ## 安信Wewa 年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 0.4%-4% 現金回贈 ... ## 渣打Simply Cash ... ## 評價 ### 最佳信用卡比較 |信用卡|年薪要求|年費|簽賬回贈| |--|--|--|--| |HSBC Red Card|HK$120,000|永久免年費|0.4%-8%獎賞錢回贈| |AE白金卡（細頭）官網申請|官網未有說明|HK$9500|1-9倍積分回贈| |安信Wewa官網申請|學生免入息 / HK$150,000|HK$800，學生首5年免年費，其他首2年免年費|0.4%-4%現金回贈| |渣打國泰Mastercard官網申請|HK$96,000|首年免年費，其後HK$2,000|$2-$6/里| |HSBC Visa Signature|HK$240,000|首2年免年費，其後HK$2,000|1-9倍獎賞錢回贈| |渣打Simply Cash|HK$96,000|首年免年費，其後HK$2,000|1.5%-2%現金回贈| |美國運通 Explorer官網申請|HK$300,000|首年免年費，其後HK$2,200|3-10.75倍積分回贈| ### 常見問題 #### 香港最容易申請的信用卡？ HSBC Red Card及安信Wewa都是比較容易申請，因為年薪要求相對較低。 ### Result 4 香港免入息信用卡一覽2026｜學生、待業、自僱人士都能申請 - PANDAFRE... https://pandafreedom.com/no-income-credit-card/ 現時幾乎人人都有信用卡，但大多數信用卡都要求申請人具備一定收入，需提供收入證明才能通過審批。 對於學生、家庭主婦、待業人士或自僱人士等沒有固定收入的人群，申請信用卡可能較困難，甚至被拒批。因此，以下將介紹及比較市場上免入息要求及相對容易申請的信用卡，供大家參考！ ✓ 學生免入息 ## 安信Wewa 官網申請 年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 0.4%-4% 現金回贈 ... 信用卡資料 - 年薪要求：學生免入息 / HK$150,000 ... ✓ 低申請門檻之選 ## 安信Earnmore 官網申請 年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 1%-2% 現金回贈 官網及額外迎新優惠 HK$1300 ... - 年薪要求：學生免入息 / HK$150,000 - 年費：HK$800，學生首5年免年費，其他首2年免年費 ... ## 渣打Smart Card 官網申請 年費 永久免年費 回贈 0%-5% 現金回贈 官網迎新優惠 HK$800 回贈明細 - 當月簽賬累積HK$4,000至HK$14,999:基本簽賬可享0.56%現金回贈;於指定特約商戶如759阿信屋、百佳、屈臣氏簽賬，更可享5%現金回贈。 ... - 年薪要求：$96,000 - 永久免年費 ... ## HSBC滙財金卡 官網申請 年費 首2年免年費，其後HK$600 回贈 1-6倍 獎賞錢回贈 ... 現有客戶可獲HK$200「獎賞錢」回贈。詳情可參考條款及細則；另外，新客批卡後首 60 日內申請「現金套現」分期計劃，提款金額達HK$2萬元或以上，同時選擇 12 個月或以上還款期，就可以賺 HK$200「獎賞錢」回贈。 - 年薪要求：$60,000 - 首2年免年費，其後每年 $600 ... ## MOX Credit 官網申請 年費 永久免年費 ... |**信用卡**|**年薪要求**|**年費**|**回贈**|**迎新優惠總值**| |--|--|--|--|--| |安信 WeWa|學生免入息 / HK$150,000|HK$800（學生首 5 年免，其他首 2 年免）|0.4% – 4% 現金回贈|HK$1,300 現金回贈| |安信 EarnMORE|學生免入息 / HK$150,000|HK$800（學生首 5 年免，其他首 2 年免）|1% – 2% 現金回贈|HK$1,300 現金回贈| |恒生 MMPOWER|學生免入息 / HK$150,000|永久免年費|0.4% – 8% +FUN Dollars|HK$700 +FUN Dollars| |AE 白金卡（細頭）|未有透露|HK$9,500|1 – 9 倍積分回贈|HK$50 及 1,440,000 積分（相當於 HK$4,800 現金回贈）| |渣打 Smart Card|HK$96,000|永久免年費|0% – 5% 現金回贈|HK$800 現金回贈| |HSBC 滙財金卡|HK$60,000|首 2 年免年費，其後 HK$600|1 – 6 倍獎賞錢回贈|HK$800 獎賞錢| |Mox Credit|免入息|永久免年費|1% – 3% 現金回贈|–| ### Result 5 Credit Cards | American Express Hong Kong https://www.americanexpress.com/hk/en/credit-cards/ # American Express® Credit Cards ... American Express Credit Cards offer you a variety of rewards and offerings. You could either earn American Express Membership Rewards^®1^ points, Air Miles or Cashback by spending with our Credit Cards. ... ### Check the Credit Card fees The charges you pay partly depend on the type of card you have and how you use it. Some of our Cards have no first year annual fee. You can view our cards below. ... New Cardmembers^ can earn up to **1,320,000 points, enough to redeem 73,333 miles** - [NEW] Up to HK$4,500 Vacation Credit ... - - [NEW] Complimentary access to Hong Kong Football Club ... ## American Express Explorer ® Credit Card Enjoy welcome offer* of up to 26,000 miles, plus first-year annual fee waiver - Enroll to earn miles at a rate as low as HK$1.68 = 1 mile on foreign currency spending and HK$3 = 1 mile on Hong Kong dollar spending.^# ^^ - Enroll to earn up to 5 Membership Rewards points for every eligible HK$1 spent on Selected Online Merchants.^#^ - Complimentary Plaza Premium Lounge Access.^7^ *New Cardmembers Only. ... ## Blue Cash ® Credit Card from American Express Enjoy welcome offer* of up to HK$600 plus first year annual fee waiver of HK$980 - 1.2% Cashback on everyday purchases, in town and overseas - 20% savings on 3D, 2D, IMAX and 10% savings on 4DX regular priced movie tickets at Broadway Circuit *New Cardmembers Only. ... Enjoy welcome offer* of HK$200 Statement Credit - 3 Membership Rewards points for every HK$ 1 equivalent spent on eligible foreign currency transactions. - Enroll in the Local Spend Bonus Program to earn up to 2.5 Membership Rewards points for every HK$1 spent on eligible Hong Kong dollar transactions.^#^ ... ## American Express ® Gold Credit Card - 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit - Second-year annual card fee waiver by spending HK$24,000 or more a year ... Wherever your travels take you, you can take your American Express Credit Card. Your spend abroad is converted to Hong Kong dollars as soon as we process the transaction, based on our reference exchange rate which is set daily. ... American Express offers a range of Charge Cards which give you the financial flexibility of no pre-set spending limit, and no interest charges. ... ^New Cardmembers refer to Basic Cardmembers who are NOT currently holding or who have NOT held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months from the date of this application. ### Result 6 Best Standard Chartered Credit Cards in Hong Kong 2026 https://www.moneyhero.com.hk/en/credit-card/provider/scb Standard Chartered Bank offers a variety of credit cards in Hong Kong, including the cashback-focused Smart Credit Card, the mileage-earning Cathay Mastercard, and lifestyle-centric cards such as Simply Cash and Manhattan Platinum. Based on your spending habits and travel needs, choosing the right card not only helps you maximise rewards but also gives you access to welcome offers, interest-free instalments, and travel privileges. ... |Card| | |Hot Reward Pick|MoneyHero Reward|Minimum Annual Income|Card Benefit|Annual Fee| | ... | |Standard Chartered Cathay Mastercard - Priority Banking|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$1,780|HK$96,000|$2 - 6 per mile |HK$4,000 |Apply| | |Standard Chartered Cathay Mastercard|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$1,780|HK$96,000|Up to $2 - 6 per mile |HK$2,000 |Apply| | |Standard Chartered Smart Credit Card| |-|-|HK$96,000|0.5 - 5 % cashback |Perpetual Annual Fee Waiver| | ... Among Standard Chartered credit cards, the Smart Card stands out for its clear and effortless high cashback structure — no registration required. Cardholders can enjoy up to 5% cashback at a wide range of popular everyday merchants, such as 759 Store, Watsons, Circle K, Japan Home Centre, PARKnSHOP, and Deliveroo, which are ideal for those who regularly shop at supermarkets and convenience stores. As long as you spend HK$2,000 or more per statement period, you’ll automatically enjoy the highest cashback rate. With a lifetime annual fee waiver, this is a flexible and rewarding card for daily spending without any requirement for complex registration and category selection. ... Minimum Annual Income HK$ HK$ 96,000 Card Benefit 0.5 - 5 % cashback Annual Fee Perpetual Annual Fee Waiver ... - Annual Fee: Perpetual Annual Fee Waiver ... - Min. Annual Income: HK$96,000 ... 96,000 ... Annual Fee HK$ HK$ 2,000 Annual Fee Waiver ... - Annual Fee: HK$2,000 ... - Min. Annual Income: HK$96,000 ... Annual Fee ... HK$ 4,000 Annual Fee Waiver ... - Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date. ... The Simply Cash Visa Card is a simple and accessible option for those who prefer straightforward money management without complex rewards programmes. With a minimum annual income requirement as low as HK$96,000, it’s one of the more accessible credit cards on the market. Enjoy 1.5% cashback on local spending and 2% on overseas transactions, with no caps or category restrictions. The card is annual fee-free for the first year (HK$2,000 thereafter) and is part of the Visa Signature network, making it suitable for frequent travellers or those who prefer fuss-free cashback. ... If your annual income is below HK$96,000, you may place a fixed deposit of around HK$60,000 in a Standard Chartered bank account to support your application. ### Result 7 Compare the Best Credit Cards in Hong Kong for August 2026 https://giraffy.com/hk/en/banking/credit-cards 28 live credit cards offers tracked across 17 Hong Kong providers, with annual fees from HK$0 /year. Data current as of 2 November 2026 and updated daily from the Giraffy database. ... 28 live offers compared from 17 providers, from HK$30 /month. ... ### Mox Credit Mox HK$0 /year - Rewards: Up to 2% cashback or Asia Miles - Annual Fee: HK$0 ... ### 3HK Mastercard 3 Hong Kong HK$0 /year - Rewards: 3% rebate on 3HK bill - Annual Fee: HKD 0 - Intro Offer: Bill discount - Card Type: Telco Rewards ### Airstar Visa Card HK Airstar Bank HK$0 /year - Rewards: 1.5% cashback - Annual Fee: HKD 0 ... ### CMB Wing Lung Credit Card CMB Wing Lung HK$0 /year - Rewards: 1% rebate - Annual Fee: HKD 0 - Intro Offer: Welcome gift - Card Type: Basic Cashback ... ### HSBC Visa Platinum HK HSBC Hong Kong HK$0 /year - Rewards: 0.4% cashback - Annual Fee: HKD 0 - Intro Offer: Welcome cashback - Card Type: Entry Cashback ... ### HSBC Red Credit Card HSBC Hong Kong HK$0 /year - Rewards: 4% online cashback (capped), 1% other - Annual Fee: HK$0 - Intro Offer: — - Card Type: Mastercard ... ### Earn HSBC Reward+ Red Hot Stamp Card Rewards HSBC Hong Kong HK$30 /month - Provider: HSBC Hong Kong ... - Provider: HSBC Hong Kong ... HK$850 /month ... ### HSBC Premier Mastercard HK HSBC Hong Kong HK$1800 /year - Rewards: 1.5 miles per HKD 1 - Annual Fee: HKD 1,800/year - Intro Offer: 100,000 bonus miles ... Match the card to your spending: flat cashback for simplicity, category cards for dining or online, or miles cards for travellers. Compare the effective reward rate after caps, the annual fee and how easily it is waived, the welcome-offer spend requirement, and the foreign-transaction fee if you travel. ... HSBC Hong Kong offers the broadest range from cashback to premium miles cards; CMB Wing Lung competes on rewards and cross-border perks. Virtual banks Mox, ZA Bank, livi and Airstar Bank lead on numberless, app-first cards with instant issuance and flat cashback. ... Many cards carry no annual fee or waive it on meeting a spend threshold, while premium cards range up to around HK$2,000 or more a year. ... Yes — several cards tracked by Giraffy in Hong Kong charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history. ### Result 8 Best Credit Cards Hong Kong 2026 – Compare & Apply | MoneySmart https://www.moneysmart.hk/en/credit-cards?sort_by=recommended&utm_format=table ## HSBC EveryMile Credit Card As low as HK$2 = 1 Mile - **Local and oversea spending** HK$240,000 - **Minimum Annual Income** Up to $1,450 RewardCash ... ## Standard Chartered Simply Cash Visa Card HK$96,000 - **Min. Annual Salary** 1.5% - **Cash back on local Currency** 2% - **Cash back on foreign Currency** ... ## Aspire Corporate Visa Card HK$0 (no annual fee) - **Annual Principal Fee** 0% FX markup when spending via a matching currency account balance - **Foreign Currency Transaction Fee** No credit limit ... ## HSBC easy Credit Card HK$120,000 - **Min. Annual Salary** Up to 2.4% - **Cash back on local spend** Up to 6X MoneyBack Points ... - **Diverse Card Options and Rewards:** Hong Kong credit cards cater to various preferences, offering competitive cashback rates, air miles programs, and reward points across spending categories like dining, online shopping, and digital e-wallets. - **No-Annual-Fee Options:** Popular cards like HSBC Red Card, Standard Chartered Smart Card, Hang Seng MMPOWER Card, and Mox Credit offer perpetual or easily waivable annual fees, helping cardholders minimize holding costs. - **Expat and Foreigner Accessibility:** Foreign residents can apply using a valid passport alongside an employment contract (typically 9+ months) at major banks like HSBC, Hang Seng, and Standard Chartered, or transfer existing credit profiles via Amex Global Card Transfer. - **Key Cost and Fee Considerations:** Cardholders should watch for common fees, including foreign currency transaction charges (typically 1.5–3%), balance transfer fees, and high APR interest rates when balances are not cleared in full. ... ## Compare Credit Cards in Hong Kong: Annual Fees and Minimum Salary |Credit Card|Minimum Salary|Annual Fee| |--|--|--| |Citi Cash Back Card|HK$120,000|1,800| |Standard Chartered Cathay Mastercard|HK$96,000|HK$2,000| |Mox Credit Card (CashBack)|HK$0|HK$0| |Hang Seng MMPOWER Card|HK$150,000|HK$0| |DBS Black World Mastercard|HK$240,000|HK$2,000| |American Express Platinum Credit Card|HK$300,000|HK$2,200| |WeWa UnionPay Diamond Card|HK$0|HK$1,500| |EarnMORE UnionPay Diamond Card|HK$0|HK$1,500| |HSBC Red Card|HK$120,000|HK$0| |Standard Chartered Simply Cash Visa Card|HK$96,000|HK$2,000| ... Credit card rebates usually come with designated spending categories and minimum spending amounts. Beginners often stick to one card for everything so they don't have to compare offers, while experienced users mix and match several cards for different spending categories. The most important thing is to pick a card that fits your spending habits and what you can afford. For frequent travellers, the HSBC EveryMile Card earns miles at HK$2 per mile on overseas spending, and miles can be converted to 16 loyalty programmes, including popular choices like Asia Miles and Avios. ... The Mox Credit Card (Asia Miles) earns miles at as low as HK$4 per mile with a 0% foreign currency transaction fee. ... Supermarket and transport spending can also be optimised through cashback cards such as Mox or Standard Chartered Smart Card, which pair well with daily living expenses. Using different cards for separate categories ensures you maximise returns without effort. ... |Bank|Popular Credit Card(s)|Best For| |--|--|--| |HSBC|HSBC Red Card, HSBC EveryMile, HSBC Visa Signature|Online shopping, miles, flexible rewards| |Standard Chartered|Smart Card, Cathay Mastercard, Simply Cash|Cashback, Asia Miles, FX spending| |Hang Seng Bank|MMPOWER, Travel+ Visa Signature, enJoy|Online & overseas spending, dining| |DBS Bank|Black World Mastercard, Compass Visa|Miles, digital wallets, online| |Citibank|Cash Back Card, PremierMiles|Cashback, reward points, travel| |American Express|Platinum Credit Card|Premium travel, concierge| ... |No Annual Fee Credit Card|Annual Fee Waiver| |--|--| |HSBC Red Card|HK$0| |Standard Chartered Smart Card|HK$0| |Hang Seng MMPOWER Card|HK$0| |Hang Seng enJoy Card|HK$0| |EarnMORE UnionPay Card|First 2 years| |WeWa UnionPay Card|HK$800| |Mox Credit|HK$0| ... Standard Chartered has the lowest stated income threshold among major traditional banks at HK$96,000 a year for its Smart Card, making it a popular first card for new arrivals. ### Result 9 Apply Credit Card Online - Standard Chartered HK https://www.sc.com/hk/credit-cards/ ## Standard Chartered Cathay Mastercard Apply now to enjoy Welcome Reward of up to 120,000 Asia Miles¹ or up to HKD10,000 Cathay Gift Card |**HKD0.5 = 1mile** Welcome offer as low as HKD0.5=1 Asia Mile^1^|**HKD4 = 1mile** Eligible spending on dining and hotels categories|**Up to HKD2 = 1mile** Eligible spending on overseas category| ... For details, please refer to https://www.sc.com/hk/credit-cards/cathay/fanfest/ **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above ... ## Simply Cash Visa Card Open a designated banking plan and Simply Cash Visa Card to earn HKD1,200 Welcome Reward |**HKD1,200 CashBack** Welcome gift for new cardholders|**1.5%** Unlimited Cashback on spending in local currency|**2%** Unlimited Cashback on spending foreign currencies| |--|--|--| **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above ... ## Standard Chartered Smart Credit Card **Up to 5%** CashBack at everyday merchants **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above *Terms and Conditions apply ## A. Point Card Apply now to enjoy HKD200 Welcome Reward! |HKD200Welcome Reward for new cardholders|Up to 20x A.Point| |--|--| **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above ... Apply for SC CASH Credit Card Instant Loan to sweeten your cashflow stream and enjoy up to HKD18,000 Cash Rebate in return! - Credit Card Statement Instalment Plan Enjoy up to HKD1,200 CashBack and a chance to win HKD14,000 CashBack with Credit Card Statement Instalment! - Octopus Automatic Add Value Service ... - 360° Rewards Redemption Platform Manage your accumulated points/ CashBack. Redeem cash or air miles upon your selection - Real-time Details for Credit Cards ... - Dispute Resolution ... ### Notes 1. The Welcome Offer is only applicable to "New Cardholders". "New Cardholders" are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards. ### Result 10 Smart Credit Card (“Smart Card”) – Standard Chartered HK https://www.sc.com/hk/credit-cards/smart/ Smart Credit Card (“Smart Card”) – Standard Chartered HK - Bonus Saver - Cathay Mastercard ... Enjoy interest and handling fee waiver for the first HKD60,000 monthly cash out via FPS. ... Standard Chartered Smart Credit Card # Earn and save on your everyday spending. All you need is ONE card! ## Year-round Offer - ### Up to 5% CashBack On designated everyday merchants. No registration and available every day*. - ### Fees, Goodbye! No foreign exchange fees, no annual fees, no cash advance fees. Ever. ## Up to 5% CashBack* at Designated Merchants, earn and save on your everyday spending **Grocery shopping & Home:** HKTVmall, Circle K Convenience Store, PARKnSHOP **Beauty & Health care:** Watsons, Sasa **Food and beverage:** McDonald’s Hong Kong, Foodpanda **Sport & Entertainment:** Klook **Digital Lifestyle:** China Mobile Hong Kong and s/ash Minimum spending requirements apply. ## No foreign currency transaction fees during travel and No other fees - Waive 1.95% fee and earn 1.2% CashBack on foreign currency retail transaction - No annual fees - No Cash advance fees ... Skip the fees. Now you can pay your rent, education expenses, car park fees and even your family and friends with your credit card without handling fees! ... New Bonus Saver clients can earn up to HKD1,200 a year upon monthly spending of HKD10,000 or above with SC Credit Card plus a Limited Edition Standard Chartered Mickey Keep It Real 999.9 Gold Coin ... **Eligibility** Hong Kong resident aged 18 or above Annual income of HKD96,000 or above ... Ⓐ Promotion Period: 1 Aug 2026 to 3 January 2027 Ⓑ Upon successfully signing up for and issued with a Standard Chartered Smart Credit Card, the Bank will rebate a certain percentage of the amount of the Eligible Transactions (“Eligible Transactions”, as defined in Clause 3 of the Standard Chartered Smart Credit Card Rewards Scheme (“Rewards Scheme”) Terms and Conditions ), according to the accumulated spending amount in Eligible Transactions made on a monthly statement cycle basis (“Monthly Eligible Spending”) in the form of CashBack reward (“CashBack”) to the Card account as shown in the table below: ... | |EXTRA CASHBACK| |BASIC CASHBACK| |TOTAL CASHBACK#| |--|--|--|--|--|--| |Monthly Eligible Spending*|CashBack for Eligible Transactions made at Designated Merchants|Spending Cap per Monthly Statement Cycle|CashBack for Eligible Transactions|Spending Cap per Monthly Statement Cycle| | |HKD 4,000 to HKD 14,999|4.44%|HKD5,000^|0.56%|Unlimited|5%| |HKD 15,000|3.80%|HKD5,000^|1.2%|Unlimited|5%| *For the avoidance of doubt, if Cardholder’s Monthly Eligible Spending is less than HKD4,000 in a particular month, Cardholder will not be entitled to any CashBack in that month. ... ^The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the Extra CashBack (i.e. the 5% Cashback deducting Basic Cashback) is HKD5,000 per Card account within a monthly statement cycle.
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