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Perplexity · 我在香港主要花錢買餸、搭車和食飯，而且每月全數還款，哪些銀行的現金回贈信用卡值得比較？ in Hong Kong?
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Search query: 我在香港主要花錢買餸、搭車和食飯，而且每月全數還款，哪些銀行的現金回贈信用卡值得比較？ in Hong Kong?
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- #1 Best Credit Cards Hong Kong 2026 – Compare & Apply | MoneySmartSource context · moneysmart.hk
- #2 最佳餐飲食肆食飯卡推薦2026 - 11%高回贈唯有EYE卡Source context · yolkinsight.hk
- #3 Best Dining Credit Cards in Hong Kong 2026 - MoneyHeroSource context · moneyhero.com.hk
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# Search Results: 我在香港主要花錢買餸、搭車和食飯，而且每月全數還款，哪些銀行的現金回贈信用卡值得比較？ in Hong Kong? Found 10 results. ### Result 1 Best Credit Cards Hong Kong 2026 – Compare & Apply | MoneySmart https://www.moneysmart.hk/en/credit-cards?sort_by=recommended&utm_format=table - **Unlimited CashBack at major supermarkets** ... ## Compare Credit Cards in Hong Kong: Annual Fees and Minimum Salary |Credit Card|Minimum Salary|Annual Fee| ... |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| ... ## Key Features to Consider When Comparing HK Credit Cards ### Interest rates Credit cards often charge much higher APRs than personal loan if you carry a balance. Aim to repay in full instead of paying the minimum payment only. ... ## How to Choose the Right Credit Card: 3 Things to Check Before You Apply ### 1. Your Personal Spending Habits If you love dining out and enjoying life, the Citi Cash Back Card is a great fit, with unlimited 2% rebate on overseas spending and local dining, plus unlimited 1% rebate on local spending. You can also consider the HSBC Visa Signature Card, which offers up to 15% off at selected hotel restaurants and up to 3.6% RewardCash rebate that you can redeem flexibly as cash or miles. ... ## Using HK Credit Cards for Different Spending Categories ### Dining and Entertainment A dining-focused card like the Citi Cash Back Card offers rebates on restaurant bills and hotel dining. ... ### Everyday Essentials 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. ... ## Major HK Bank Credit Cards by Issuer |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| ... ## Credit Card Welcome Offers - MoneySmart Exclusive |Credit Card|Card highlights|Promotion|Valid until| |--|--|--|--| |Citi Cash Back Card|- First Year Annual Fee Waiver Annual Fee - Unlimited 2% Rebate on Overseas Spending & Local Dining - Unlimited 1% Rebate on Local Spending|優惠代碼 + HK$2,400禮券 或 高達HK$6,488獎賞|25 Oct 2026 till 31 Oct 2026| ### Result 2 最佳餐飲食肆食飯卡推薦2026 - 11%高回贈唯有EYE卡 https://yolkinsight.hk/eat/ 1. 首選：建行亞洲EYE卡 2. 次選：DBS EMINENT 卡 3. 第三名：東亞 World Mastercard / i-titanium / Goal 4. 其他吸引選擇：信銀Motion卡 / 中銀Cheers VI Card ... ## 首選：建行亞洲EYE卡 建行亞洲EYE卡繼續瘋狂！食肆簽賬 (推廣詳情) 可**高達11% ( 9%食肆 + 2%手機支付/網購 )** 現金回贈。當然有門檻，**每月零售簽賬要由以往的$8000下調至每月簽夠$5000蚊就可以啦！ ** Cheers又要$5000，EYE又要$5000，咁梗係揀EYE啦。每個月最多回$400比你，即係大約簽$4445就爆。即係有$555蚊左右就要靠自己自由發揮。 月尾唔夠先搵七仔OK個啲幫下手，搵支付寶幫幫手都得。看來都有辦法解決。 ## 次選：DBS EMINENT 卡 全年5%餐飲 / 食肆現金回贈。在其他銀行都齊齊加辣後，今年DBS EMINENT算係無乜門檻，需要單一消費達$300就可以享有額外5%嘅現金回贈。DBS EMINENT卡唔同級數分咗唔同嘅回贈上限：Visa Platinum 每月簽賬上限$4000、Visa Signature 每月簽賬上限$8000。最多可獲$400。 ## 第三名：東亞 World Mastercard / i-titanium / Goal 東亞銀行嘅World Mastercard卡再度活化，推廣繼續升級，只要每月累積基本獎賞合資格交易達 HK$4,000，指定類別簽賬可以**獲得12.5X積分回贈，相等於5%現金回贈！ 每個月上限可以獲得11.5萬分（即係簽賬上限係$10000）。** 不過其實佢個回贈都唔夠5%，如果想**兌換信用額** 現金直接入戶口佢個積分比係$1 : 300分。 **i-titanium / Goal用則用手機支付付款**，每月拍夠$2000，咁就輕易4% – 4.4%回贈，唔洗左計右計。 ## 其他吸引選擇：信銀Motion卡 / 中銀Cheers VI Card - 信銀國際Motion卡 (官網) 全年6%餐飲 / 食肆現金回贈。每月簽賬上限$3636。最多可獲$200。不過**Motion要每月簽夠$3800 (簽乜都得)** 先可以在網購/食肆方面有6%現金回贈，如果你相對少消費，兩個項目每月簽到$3800，都鼓勵大家用。申請連結。 - 中銀Cheers卡 (詳細玩法)，皆因可以配搭狂賞派推廣活動齊齊玩。只要滿足每月簽賬$5000就得，中銀Cheers VI全年餐飲同外幣每人基本最低都已經有**相等於4%嘅積分回贈**，食個方面包埋外賣平台Food Panda / Keeta等等。 `可惜，今年`**狂賞派活動平日再多2%；紅日再多5% (實體)。** **狂賞派實體無左超市七仔OK個啲，難道又增加了**。 ## 最佳餐飲食肆食飯卡其他代替品 – 手機支付卡 仲有其他百搭卡都可以喺食肆簽賬獲得高回贈，就好似BOC Visa Signature SOGO卡(5.4%)。(SOGO都食到VISA狂賞派活動) 只要係要手機支付就可以啦。另外Wewa卡自選手機支付後，Apply Pay都已經可以有4%回贈。 📝歡迎大家訂閱蛋黃視野Patreon、Facebook或者加入免費TG頻道討論！ ### Result 3 Best Dining Credit Cards in Hong Kong 2026 - MoneyHero https://www.moneyhero.com.hk/en/credit-card/comparison/dining Compare the top dining credit cards in Hong Kong offering cashback, discounts, or miles on restaurant spending, cafés, bars, and food delivery apps like Foodpanda and Deliveroo. ... |Card| | |Hot Reward Pick|MoneyHero Reward|Card Benefit|Cashback DInning| | |--|--|--|--|--|--|--|--| | |Citi Cash Back Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$7,818|1 - 2 % cashback |2 % |Apply| | |DBS Eminent Visa Platinum Card|Apply|HK$800 Apple Store Gift Card|HK$5,630|2 - 5 % cashback |5 % |Apply| | |PrimeCredit WeWa Visa Signature Card|Apply|New Credit Card Customer: HK$600 Exclusive Welcome Reward|HK$1,799|10 %| | | ... | |American Express® Platinum Credit Card|Apply|-|HK$1,800|$2.5 - 5 per mile |1 % |Apply| | |Mox Credit Card (CashBack)|Apply|HK$500 Cash Rebate (Deposited via FPS) (provided by MoneyHero)+HK$1,800 Cash Reward (Provided by Mox) + 1% Basic CashBack|HK$2,800|Up to7 % CashBack |Up to2 % Unlimited CashBack|Apply| ... Cashback - Dining 2 % Minimum Annual Income HK$ HK$ 120,000 ... - **Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.** - 2% rebate on local dining spending - 2% rebate on local hotel spending - 2% rebate on spending in foreign currency - 1% unlimited rebate on other spending - Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due. ... Repayment Details ... - Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) ... - Minimum Payment: All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher. ... Supermarket Spends (Online / Offline) Unlimited 3 % CashBack All Local and Overseas Spends Up to Unlimited 2 % CashBack ... - Essential for supermarket spending: 3% CashBack on all major supermarket purchases in Hong Kong with no cap, no designated spending promotion days or other conditions. ### Result 4 最佳網購信用卡推薦2026 - 高回贈高額簽賬上限都俱備 https://yolkinsight.hk/eshop/ ## 首選：大額之選MMPower卡、HSBC Red卡 大額網購之選有兩張，恒生MMPower網購有5%回贈(詳情)；HSBC Red卡(詳情)係有4%嘅網上購物回贈。兩張卡嘅Quota係每月計算： - 恒生MMPower卡每月可簽$10870，回贈上限為$500 +FUN Dollars； - HSBC Red卡每月可以首$10000網上簽賬，4%回贈，上限為$400獎賞錢 ## 次選：信銀國際Motion卡、富邦inVISA 蛋黃揀咗最高現金回贈嘅兩張卡，分別係信銀國際嘅Motion卡 (每月上限回贈$200；詳情) 同富邦嘅inVISA (每月上限回贈$250；詳情)。**Motion卡每月要簽夠$3800先有6%回贈，食飯網購或其他零售均可。** 「富邦iN VISA白金卡」主要特色就係合資格網上簽賬可享額外19X積分獎賞，總共20X積分，即**相等於8%現金回贈**。此卡無最低簽賬要求為$1000，每月上限簽$3289！ 雖然呢兩張卡嘅回贈上限相對首選兩張低，但如果做正常基本嘅網購都已經足夠。 ## 第三選擇：AEON WAKUWAKU卡、BOC Chill卡 AEON嘅WAKUWAKU卡(每月上限回贈$200；詳情)；中銀Chill卡嘅回贈比率係5%**(不設簽賬要求)**，指定商戶可以達10%回贈**(每月要於實體商戶簽夠$1500先可享指定商戶10%回贈)**。 指定商戶例如有M記/Uniqlo等等(10%回贈已包含0.4%基本回贈)。BOC Chill卡額外回贈每個月上限是$150，大約簽$3267左右就達到回贈上限。官方網頁介紹。 ## AlipayHK x 最佳網購信用卡 東亞嘅i-titanium網購同手機支付都有4%回贈，經AlipayHK消費都當網購。BEA信用卡i-titanium / Goal 似乎係AlipayHK嘅好拍檔。不過有下限，每月每夠$2000先有得回贈。 **記得超級市場、旅行社、同政府部門都係無得回。** 偉大嘅淘寶返單CODE係屬於超市，所以唔啱用嚟做淘寶架。網購有咁多卡揀，都係用佢嚟做手機支付卡啦！ 唔同商戶喺唔同時期都會同唔同嘅銀行做推廣，所以大家揀啱信用卡去簽就可以達到加倍嘅會長同抵上抵！ ### Result 5 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 回贈 $2-$6/里 里數回贈 ... ## 回贈明細 - 食肆／酒店簽賬：HK$4 = 1里 - 其他港幣簽賬：HK$6 = 1里 - 海外簽賬基本卡：HK$4 = 1里；優先理財HK$3 = 1里；優先私人理財HK$2 = 1里。 ... ## Citi Cash Back 年費 首年免年費，其後HK$1800 回贈 0.5%-15% 現金回贈 官網迎新優惠 HK$1800 ## 回贈明細 - 即日起至2027年6月30日，經官網登記： - 每月簽賬滿 HK$4,000：指定交通15%回贈，每月最高 HK$300 - 每月簽賬滿 HK$10,000：指定交通15%回贈＋隧道／泊車／電車充電／指定跨境交通 5%回贈，每月合共最高 HK$500 ... - 迎新優惠：批卡後首2個月累積簽賬滿HK$5,000（每月最少1次認可簽賬），即可獲HK$1,800現金回贈 ... ## HSBC Red Card 年費 永久免年費 回贈 0.4%-8% 獎賞錢回贈 ... ## 評價 ✓ Apple Pay現金回贈之選 ## 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 官網及額外迎新優惠 HK$1300現金回贈 ## 回贈明細 - 自選 1 個玩樂類別後。每曆月累積簽賬滿HK$1,500，當月指定類別簽賬即可享高達4%現金回贈。 - 4 個自選類別：手機支付 / 旅遊簽賬 / 線上娛樂 / 海外簽賬 ... ## 評價 ✓ 保底1.5%無上限現金回贈信用卡 ## 渣打Simply Cash 年費 首年免年費，其後HK$2000 回贈 1.5%-2% 現金回贈 官網迎新優惠 HK$600 ## 回贈明細 - 港幣簽賬：無上限1.5%現金回贈 - 外幣簽賬：2% 現金回贈 - 賺取後會顯示於「360°全面賞」網上換領平台，不會自動存入信用卡戶口。 ... ## 信用卡資料 - 迎新優惠：批卡後首2個月累積簽賬滿HK$8,000（每月最少1次認可簽賬），即可獲HK$600現金回贈 - 年薪要求：$96,000 - 首年免年費，其後每年 $2,000 ... ## 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| ... |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| ### Result 6 Best Cash-back Credit Cards - paylo.hk | 香港信用卡比較平台 https://www.paylo.hk/en/best/best-cashback # Best Cash-back Credit Cards Hong Kong cash-back cards ranked by real annual value computed from official issuer rates, monthly caps and standard fees. Ranked #1 right now: Hang Seng Bank Hang Seng Prestige World Mastercard (Up to 0.4%). ... Hang Seng BankHang Seng Prestige World Mastercard ... Up to 0.4%Annual fee: No annual fee ... HSBC Hong KongHSBC UnionPay Dual Currency Card HSBC Hong Kong HSBC UnionPay Dual Currency Card Up to 0.4%Annual fee: HK$300 (waivable) ... Dah Sing BankDah Sing ONE+ Credit Card ... Up to 1%Annual fee: HK$1,800 (waivable) ... Citibank Hong KongCiti Cash Back Card ... ## FAQ Based on verified issuer data, Hang Seng Bank Hang Seng Prestige World Mastercard ranks #1 (Up to 0.4%). The best card for you depends on your own spending — the ranking uses a reference profile with all monthly and pooled caps applied. ### Result 7 Best Dining Credit Cards - paylo.hk | 香港信用卡比較平台 https://www.paylo.hk/en/best/dining # Best Dining Credit Cards Top restaurant and dining rebate rates in Hong Kong, with monthly caps priced into the ranking. Ranked #1 right now: HSBC Hong Kong HSBC EveryMile Credit Card (Dining 2.6%). ... Dining 2.6%Annual fee: HK$2,000 (waivable) ... Citibank Hong KongCiti Cash Back Card Citibank Hong Kong Citi Cash Back Card Dining 1%Annual fee: HK$1,800 (waivable) ... ## FAQ Which is the best dining credit cards in Hong Kong right now? Based on verified issuer data, HSBC Hong Kong HSBC EveryMile Credit Card ranks #1 (Dining 2.6%). The best card for you depends on your own spending — the ranking uses a reference profile with all monthly and pooled caps applied. ### Result 8 Best Cash Back Credit Cards in Hong Kong 2026 - MoneyHero https://www.moneyhero.com.hk/en/credit-card/comparison/cashback - **Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.** - 2% rebate on local dining spending - 2% rebate on local hotel spending ... - 1% unlimited rebate on other spending - Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due. ... Cashback Dining 6 % ... All Local and Overseas Spends Up to Unlimited 2 % CashBack ... You can enjoy up to 6% cash back on dining expenses with the CNCBI Motion Credit Card. ### Result 9 2026 Hong Kong Cashback Card Guide: Top Picks for ... https://world.taobao.com/lang/en-us/shopping-guide/2018038335502548992.htm # 2026 Hong Kong Cashback Card Guide: Top Picks for Dining, Shopping & Flat Rates ### The Golden Rule: Read the Fine Print! Many banks scream "8% Cashback!" but whisper "*up to HK$50/month*" in tiny font. ... In legal terms, distinguish between "Cash Rebate" (direct statement credit) and "Reward Points" (which require redemption and often expire). True cash goes straight to your balance; points are just coupons in disguise! ### The Top Contenders: A Comparative Breakdown (2026 Edition) #### 1. The "Supermarket & Dining" King: DBS Black World Master *Best for: Families and Foodies* This card is a beast if your wallet mostly suffers at AEON, Wellcome, or local Cha Chaan Tengs. - **The Rate:** Up to 6% on designated supermarkets and dining. - **The Catch:** There's usually a monthly cap (e.g., HK$300 rebate). Once you hit it, the rate drops to a measly 0.4%. ... Some waive it only if you spend HK$100k+ a year. If you can't hit that, ask for a waiver or switch to a no-fee tier. ... #### 2. The "Online Shopping" Ninja: Citi Cash Back Card ️ *Best for: The Taobao/Amazon Addict* If your delivery guy knows your name better than your neighbors do, this is your jam. - **The Rate:** Solid 5-8% on major e-commerce platforms. - **The Strategy:** These cards often have *no cap* during specific promotional months (like 11.11 or 12.12), but a strict cap otherwise. ... ☕❌ #### 3. The "Flat-Rate" Hero: SC Simply Cashback Visa ♾️ *Best for: Minimalists and High Spenders* Tired of tracking categories? This card offers a flat 1.5% - 2% on **everything**. - **The Rate:** Lower than the specialists, but consistent. - **The Magic:** No caps. ... ### Strategic Merchant Stacking: How to Win Here is my personal strategy for maximizing rebate efficiency in HK: 1. **The Primary Swipe:** Use the **DBS Black World Master** for all groceries and lunch dates until you hit 90% of the monthly cap. Stop exactly before the limit! I set a reminder on my phone for the 25th of every month to check my accrued rebate. 2. **The Secondary Swipe:** Switch to the **SC Simply Cashback** for everything else (transport, utilities, random purchases) once the first card's cap is near. ... ### ⚠️ Final Warning: The Trap of "Points" vs. "Cash" Some banks offer "Cash Dollars" that can *only* be used to offset card bills or redeem specific vouchers. True **Cash Rebates** go straight into your savings account or statement balance with no strings attached. - **Red Flag:** If you have to jump through hoops to redeem your "cash," it's not really cash. ... - **Legal Note:** In 2026, regulatory guidelines require clearer disclosure on expiry dates. ### Result 10 Compare All Credit Cards in Hong Kong 2026 | MoneyHero https://www.moneyhero.com.hk/en/credit-card/all |Product|Credit Card| |Hot Reward|Reward Value|Card Benefit|Minimum Annual Income| | |--|--|--|--|--|--|--|--| | |Citi Cash Back Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$7,818|1 - 2 % cashback |HK$120,000|Apply| ... Bank Gift - On Top of MoneyHero's ... Repayment Details - Minimum Payment: Total spending of that month ... Min. Annual Income
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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Nov 3, 2026, 1:00 AM UTC
Search query: 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?
Nov 3, 2026, 1:00 AM UTC · Completed
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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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