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stockfisher.com.hk 暑假外遊消費攻略：精選信用卡高回贈助抵銷外幣手續費
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Perplexity · 香港居民每年去日本旅行兩三次，想比較海外簽賬手續費和回贈，有哪些發卡銀行值得考慮？ in Hong Kong?
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Search query: 香港居民每年去日本旅行兩三次，想比較海外簽賬手續費和回贈，有哪些發卡銀行值得考慮？ in Hong Kong?
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- #1 Hong Kong Overseas spending Offers & Card Discounts · Page 1 of 10 | Discount MapSource context · discount-map.com
- #2 港人外遊熱潮下信用卡優惠掀戰各行推高達10%回贈專家提醒慎防 ...Source context · stockfisher.com.hk
- #3 AEON 信貸財務推出AEON JCB信用卡《賞瀛.「日」常有賞》尊享優惠Source context · aeon.com.hk
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# Search Results: 香港居民每年去日本旅行兩三次，想比較海外簽賬手續費和回贈，有哪些發卡銀行值得考慮？ in Hong Kong? Found 10 results. ### Result 1 Hong Kong Overseas spending Offers & Card Discounts · Page 1 of 10 | Discount Map https://discount-map.com/en/promotion/overseas-spending/spend-1000/ 0101/Overseas spending**東亞銀行銀聯雙幣鑽石卡海外或網上外幣簽賬享4%回贈** **4%** saving ... ### 東亞銀行銀聯雙幣鑽石卡海外或網上外幣簽賬享4%回贈 **4%** saving Cashback ... - 適用信用卡：東亞銀行銀聯雙幣鑽石卡。 - 海外或網上外幣簽賬享4%回贈。 ... BEA UnionPay Dual Currency Diamond Credit Card 0202/Overseas spending**AEON JCB 日本日元簽賬高達15%積分回贈** **Up to 15%** reward 02/Overseas spending ... 0303/Overseas spending**外幣或海外簽賬高達6%回贈** **Up to 6%** saving ... - Eligibility: Audience: all · Customer status: existing - Eligible spending: Applies to: 海外簽賬 · Type: category - Requirements: Period spend ≥: HK$10,000.00 - Benefit limit: Amount: 500 · Applies to: 四類指定簽賬的額外現金回贈合計 · Currency: HKD · Period: per month · Type: limited · Unit: currency ... Dah Sing Vip Banking Visa Infinite Card 0707/Overseas spending**狂賞飛外地簽賬高達8%回贈** **Up to 8%** rate ... 0808/Overseas spending**WeLab Global Wallet 扣賬卡海外簽賬：免1.95%外幣交易手續費** **1.95%** saving 08/Overseas spending Overseas spending ... Eligible credit-card issuer Dah Sing Bank 1313/Overseas spending**AEON CARD WAKUWAKU 日本簽賬高達 6% WAKU COIN 回贈** **Up to 6%** reward ... ### AEON銀聯卡外幣及海外簽賬最高6%回贈 Up to**6%** saving Cashback ... - 適用卡片：AEON銀聯卡。摘要亦稱網上簽賬可賺取回贈，但未列明其回贈率。 1515/Overseas spending**建行（亞洲）TRAVO Mastercard海外簽賬高達4%現金回贈** **Up to 4%** saving 15/Overseas spending ... ### 建行（亞洲）TRAVO Mastercard海外簽賬高達4%現金回贈 Up to**4%** saving Cashback ... ### 大新信用卡海外簽賬 3% 現金回贈 **3%** saving Conditions applyCashbackPeriod LimitedMinimum spending: HK$300.00Cap: HK$300.00 · promotion total ... 來源列明海外簽賬可享3%回贈；每階段上限HK$300，全期上限HK$600。 ... - 須於適用階段成功登記；由成功登記階段起計，每階段合資格簽賬須滿HK$6,000。 ... Eligible credit-card issuer Dah Sing Bank 1919/Overseas spending**日本日元簽賬高達15%積分回贈** **Up to 15%** reward 19/Overseas spending ... - 適用AEON JCB信用卡。 - 限時加碼；日本實體店或日本網站以日元簽賬，可享高達15%回贈。 ... - 全年總回贈最高2.4%。基本獎賞為每HK$250合資格簽賬得HK$1；6X包括基本1X及此推廣額外5X。額外5X可分配於五大簽賬類別。來源例子列明每HK$1,000簽賬的基本1X為HK$4、額外5X為HK$20，合共HK$24。 ... Eligible credit-card issuer HSBC ... 3434/Overseas spending**中銀Go卡「狂賞飛」海外實體簽賬：高達5%現金回贈** **Up to 5%** saving ... - 須於推廣期內以合資格信用卡，在香港及中國內地以外的海外實體店作零售簽賬，以外幣交易及付款。沒有單筆最低簽賬額。合資格交易按簽賬誌賬金額計算；以港幣或人民幣支付的海外簽賬不合資格，以信用卡月結單所列簽賬貨幣為準。 ... 以交易日期計算合資格簽賬。每個曆月的合資格交易須於翌月 7 日或之前成功誌賬。外幣交易費用獲全數現金回贈，回贈金額按推廣期內合資格交易折算港幣後的誌賬金額總額之 1% 計算，四捨五入至最接近整數，且不設回贈金額上限。 ### Result 2 港人外遊熱潮下信用卡優惠掀戰各行推高達10%回贈專家提醒慎防 ... https://www.stockfisher.com.hk/news/77f44092-b9b7-4bae-b268-28a32b2973b3 ``` 隨著本港與國際恢復往來，港人外遊熱潮持續不退。信用卡因其便捷性及提供豐厚回贈或裏數獎賞，成為不少旅客的首選支付工具。市場上各大銀行及發卡機構紛紛推出多元化的海外簽賬優惠，部分現金回贈最高可達10%。 然而，消費者在享受優惠之餘，亦需留意海外簽賬潛藏的手續費及動態貨幣轉換（DCC）等費用，以免實際回贈大打折扣。 一般而言，透過Visa及Mastercard信用卡進行海外簽賬，持卡人需支付約1.95%的手續費；美國運通(AE)的手續費則為2%。 相較之下，大部分銀聯信用卡豁免相關費用，或僅收取最高1%。因此，在計算實際回贈時，這些交易費用是不可忽略的因素。 此外，消費者在使用信用卡進行海外消費時，應特別留意動態貨幣轉換（DCC）服務。 部分商户會提供DCC選項，允許消費者選擇以港元或當地外幣結算。然而，業界指出，DCC所採用的匯率通常會包含溢價，並可能涉及更多隱藏費用，一般介乎交易金額的4%至7%，且匯率及費用由商户或其合作的金融服務機構釐定。 據消費者委員會《選擇月刋》曾舉例，若以27500日圓簽賬，連同1.95%外幣交易收費，最終港元結算約1401元；但若選擇DCC以港元結算，加上1%跨境港元交易收費，最終交易金額將增至約1455元，兩者相差接近4%。 消委會提醒，為方便預計支出或即時鎖定匯率而選擇DCC，在未充分了解其實際操作下，最終可能導致交易費用增加。 為吸引外遊客户，多間銀行推出各具特色的信用卡優惠： 富邦銀行表示，其Visa Infinite卡及Ambassador Banking Visa白金卡，若以新台幣簽賬，可獲最多20倍積分，等值於高達10%的現金回贈。 此優惠包括信用卡積分計劃的非港元簽賬5倍積分，以及海外簽賬獎賞計劃的新台幣簽賬15倍積分，每月最多可獲12萬積分，整個有效期內最高可獲48萬積分。 該行其他信用卡亦可享等值8%的回贈。若於日本及南韓簽賬，可獲最多10倍積分，即分別相等於5%及4%現金回贈；其他非香港地區簽賬則可獲最多5倍積分，即分別相等於2.5%及2%現金回贈。 sim World Mastercard海外簽賬收取1.95%手續費。持卡人累積合資格非網上零售簽賬滿1000元，其合資格海外零售簽賬可享最多8%現金回贈，每張合資格信用卡每月合共現金回贈上限為200元，整個優惠期最多合共可獲1000元現金回贈。 恆生銀行Travel+ Visa Signature信用卡於日本、南韓、泰國、內地、澳門及台灣簽賬，可獲最多7%回贈及FUN Dollars。由於該信用卡以非港元為交易貨幣時，每筆交易費用為1.95%，扣除手續費後，實際可賺5.05%回贈。 該優惠需成功登記並每月累積合資格消費滿6000元，每月回贈合共最多500元及FUN Dollars。於其他國家或地區的合資格外幣簽賬則回贈最多5%，每月回贈合共最多500元及FUN Dollars。 中銀香港(02388)的Chill World Mastercard海外簽賬可獲最多5%現金回贈，當中包括「簽賬得FUN」的1元相等於1分（相等於0.4%現金回贈），以及額外4.6%現金回贈。 而Chill Platinum Mastercard則提供更高優惠，於每個曆月內於本地或海外實體商户以實體卡或手機支付累積合資格交易滿1000元後，該曆月內之指定Chill商户簽賬可獲最多8%現金回贈。 滙豐Travel Guru會員若晉升至GURU級旅人（第三級），以外幣簽賬可獲額外6%「獎賞錢」，惟需累積7萬港元或以上等值外幣簽賬，以及合資格機票、郵輪或酒店交易次數達6次。 滙豐信用卡持有人於內地簽賬滿1200元或以上，可獲最多5%「獎賞錢」回贈，合共最多600元獎賞錢。 該行亦鼓勵客户登記「最紅自主獎賞」，將倍數集中於「賞世界」簽賬類別，全年可獲高達2.4%「獎賞錢」回贈，額外獎賞適用於首10萬元合資格簽賬，最多可額外獲2000元「獎賞錢」。 東亞銀行(00023)顯卓理財World Mastercard卡在指定類別簽賬，包括海外購物、飲食等，可獲高達12.5倍獎分，相等於5%回贈。推廣期內每個曆月額外獎賞獎分上限為11.5萬，每月需累積基本獎賞合資格交易達4000元。 需留意在香港以外地區以港元簽賬或非香港登記的商户所進行之港元交易，將收取簽賬額1%的費用。 美國運通(AE)Explorer信用卡已登記卡户，每等值1元合資格外幣簽賬，以及於航空公司或指定網上旅遊商户每等值1元合資格港幣簽賬，可獲高達10.75積分，即外幣簽賬低至1.68元=1裏。 Explorer信用卡基本卡會員成功登記外幣及旅遊簽賬優惠後，每等值1元合資格外幣簽賬及航空公司或指定旅遊網站港幣簽賬，可獲最多0.75倍及/或7倍額外積分。 渣打銀行Smart信用卡於海外簽賬及外幣交易可豁免1.95%手續費，並提供最高達1.2%的現金回贈。數字銀行Mox則表示，任何本地及外地簽賬可以低至4元=1裏，另任何旅行及海外網站消費可豁免外幣交易手續費。 綜合而言，各銀行為迎合外遊需求，均推出多項具競爭力的海外簽賬優惠。投資者及消費者在外遊前，應仔細比較各信用卡的條款、手續費、回贈機制及適用範圍，審慎選擇最符合個人消費模式的產品，方能真正享受簽賬帶來的便利與回贈。 ``` ### Result 3 AEON 信貸財務推出AEON JCB信用卡《賞瀛.「日」常有賞》尊享優惠 https://www.aeon.com.hk/tc/pdf/corporate-info/latest_news/20250811_AEONCreditServiceLaunchesExclusiveOffers_for_AEONJCBCreditCard_TC.pdf AEON 信貸財務推出AEON JCB 信用卡《賞瀛．「日」常有賞》尊享優惠 日本AEON 簽賬高達10%回贈 日元消費免外幣交易手續費 永久免年費 AEON 信貸財務（亞洲）有限公司（「AEON 信貸財務」；聯交所股票代號：00900）宣布推出AEON JCB 信用卡《賞瀛．「日」常有賞》推廣活動1，為一眾日本愛好者提供源源不絕的精彩日本消費優 惠。由即日起至2026 年2 月28 日，AEON JCB 信用卡客戶，只需於「AEON 香港」手機App 登 記一次，即可盡享多項回贈獎賞，詳情如下： 日元交易免外幣手續費 AEON JCB 信用卡客戶無論出遊日本或留港於日本網站購物時以日元簽賬，均免外幣簽賬手續費。 首折算為港幣$6,000 之日元簽賬（以誌賬於月結單上之金額計算），即於日本當地簽賬或網上交易， 所收取之外幣交易手續費（包括AEON 及JCB International (Asia) Ltd.所徵收之費用）均全數回 贈，高達1.95%。 於日本AEON 簽賬高達10%回贈 於指定的日本AEON 及AEON STYLE 簽賬（只限日本當地簽賬，各適用分店地址請見此連結 （只提供英文版）），可享25X 積分（包括1X 基本獎賞及24X 額外獎賞），每月上限可享50,000 積分額外獎賞，相當於高達港幣$200 或10%回贈。除回贈外，現時更可領取日本AEON 95 折優 惠券，於指定門市出示該優惠券，即可自動享有5%折扣。 ... 除了以上推廣，AEON JCB 信用卡客戶亦可享不同的人氣優惠，包括：機場貴賓休息室服務、 Agoda 全球訂房可享高達12%折扣優惠、於指定機場免稅店簽賬可獲高達2,000 日元現金回贈、 日本當地簽賬享高達8,888 日元現金回贈，以及於香港國際機場星巴克分店購買飲品或食品滿港 幣$90 或以上即減港幣$45 等。更多精彩優惠即將推出，敬請期待！ ... 今年初，AEON JCB 信用卡推出全新設計，採用淡紫色為主調，特別強調日系和風感，亦是全港第 一及唯一的雙面直向式JCB 信用卡，以配合日益普及的非接觸式的支付需求，為客戶提供更順暢 的支付體驗。現凡申請AEON JCB 信用卡，新客戶可享迎新優惠高達港幣$600 回贈4，並永久豁 免年費，盡享多重專屬禮遇！ ### Result 4 AEON 信用卡「第二輪日本旅遊簽賬賞」推廣活動（「此 ... https://www.aeon.com.hk/tc/pdf/privilege/Terms_Conditions-The2ndRound_of_Japan_Travel_Spending_Promotion_tc.pdf 1. 推廣及登記期由2023 年1 月1 日至2 月10 日（包括首尾兩日）（「推廣期」）。 2. 合資格AEON 信用卡泛指由AEON 信貸財務（亞洲）有限公司（「AEON」）所發行之信用卡及其聯營信 用卡。 3. <禮遇1﹕日本簽賬額外獎賞>持卡人須於推廣期內登入「AEON 香港」手機應用程式，以合資格卡成功登記 參加「第二輪日本旅遊簽賬賞」並憑已登記之合資格卡於日本所作之任何消費交易（不包括網上交易），以 享下列獎賞﹕ 銀聯 Visa、萬事達及JCB 本推廣可獲贈 AEON Card Premium 20X 積分獎賞 （=8%現金回贈） 15X 積分獎賞 （=6%現金回贈） 最多額外 50,000 AEON 積分獎賞 AEON Card Purple^ + AEON 聯營信用卡 15X 積分獎賞 （=6%現金回贈） 10X 積分獎賞 （=4%現金回贈） AEON Card JAL HK$2 = 1 日航里數 最多額外 2,500 日航里數 AEON CARD WAKUWAKU 3%現金回贈 (有關AEON CARD WAKUWAKU 之現金回贈， 客戶無需預先登記，有關詳情請按此) ^AEON Card Purple 指AEON Visa 信用卡、AEON 萬事達信用卡、AEON JCB 信用卡及AEON 銀聯信用卡。 • 已登記參加「第一輪日本旅遊簽賬賞」的客戶可享自動登記本「第二輪日本旅遊簽賬賞」推廣活動，無須再 次登記。 • AEON 及銀聯國際將不會收取任何外幣交易之費用。Mastercard Asia/Pacific (Hong Kong) Limited / Visa Worldwide. Pte. Limited /JCB International (Asia) Limited 將徵收1%費用。 4. <禮遇2﹕日本現金預支>合資格卡持卡人於推廣期內在日本透過櫃員機成功預支現金（以單一交易計算）， 可獲預支現金手續費回贈，每張合資格卡於整個推廣期之現金回贈上限為HK$1,000。 5. 現金預支之金額並不能超逾信用卡之尚餘可用限額，現金預支之利息將由交易日起計算，直至清繳有關賬項 為止。個別信用卡現金預支之實際年利率或有不同，詳情請參閱https://www.aeon.com.hk/tc/useful-info/fee-schedule.html ... 7. <禮遇3﹕旅遊保險保費低至6 折優惠> ... 8. 合資格日本簽賬之定義為於推廣期內以合資格卡在日本所作的購物簽賬及信用卡購物分期之簽賬（總金額） （「合資格日本簽賬」），外幣付款之簽賬金額以簽賬貨幣之金額折算為港幣並已誌賬於信用卡月結單上的 港幣金額爲準，本推廣只適用於日本簽賬，不包括網上交易。AEON 將根據Visa Worldwide. Pte. Limited / Mastercard Asia/Pacific (Hong Kong) Limited / JCB International (Asia) Limited / 銀聯國際有限公司界定 及商戶收單機構之商戶編號或簽賬釐定簽賬商戶是否界定為日本簽賬。 9. 不合資格簽賬包括現金預支（不適用於禮遇2）、現金套現分期（不適用於禮遇2）、透過「AEON 網上客 戶服務」所作的繳費賬項、任何繳費、匯款、八達通自動增值服務、電子錢包增值/轉賬交易（包括但不限於 AlipayHK、TNG 及WeChat Pay HK）、日日週轉之現金預支、手續費、年費、逾期費用、利息/財務費 用、月結單分期計劃、籌碼兌換等賭博交易、未誌賬/取消/退款的交易及任何被發現為欺詐交易或最終被取 消/退款之交易（「不合資格簽賬」）。 10. <禮遇1﹕日本簽賬額外獎賞>積分獎賞/里數回贈及<禮遇2﹕日本現金預支>手續費（以現金回贈方式）將 會誌入相關信用卡賬戶內，並顯示於2023 年3 月2 日到期付款日之月結單上。如登記信用卡賬戶逾期或無 效，積分獎賞/里數回贈/手續費現金回贈將會誌入持卡人之最新啟用信用卡賬戶內。 ... 14. AEON 可於下列任何情況下取消此推廣資格：a) 合資格卡之賬項逾期未償還； 或b) 合資格卡之賬戶已終 ... 15. AEON 保留更改此推廣活動之條款及細則之最終決定權，而不需另行通知。如有任何爭議，以AEON 之最 ### Result 5 暑假外遊消費攻略：精選信用卡高回贈助抵銷外幣手續費 https://www.stockfisher.com.hk/news/d45fde0b-b74f-49c7-a0ce-2b1be903c936 # 暑假外遊消費攻略：精選信用卡高回贈助抵銷外幣手續費 ``` 隨著暑假旅遊旺季將至，不少港人已計劃外遊，享受異國風情。在全球經濟環境下，精明消費者在海外簽帳時，如何善用信用卡以獲取最高回贈、抵銷外幣交易手續費，甚至賺取額外獎賞，成為市場關注焦點。本港銀行推出的多款信用卡，均具備針對海外消費的優惠，值得旅客仔細比較。 在眾多提供外幣簽帳回贈的信用卡中，富邦Visa白金卡以其分級回贈機制脱穎而出。此卡針對新台幣簽帳提供高達8%的回贈，而在日圓或韓圜簽帳方面則享4%回贈，至於其他外幣簽帳則為2%。鑑於普遍信用卡會收取約1.95%的海外簽帳手續費，富邦Visa白金卡的淨回贈率在扣除手續費後，分別為新台幣的6.05%、日圓/韓圜的2.05%及其他外幣的0.05%。這使其特別適合經常前往台灣公幹或旅遊的人士使用。 另一張受港人歡迎的恆生Travel+ Visa Signature卡，同樣提供高額外幣簽帳獎賞。與富邦Visa白金卡類似，恆生Travel+ Visa Signature卡亦會針對特定外幣提供更優厚的回贈，且涵蓋的熱門旅遊地區貨幣種類更多。該卡就於日本、韓國、泰國、中國內地、澳門及台灣等地的外幣簽帳，提供7%的+FUN Dollars獎賞；而其他外幣簽帳亦可獲5%的+FUN Dollars獎賞。經扣除海外簽帳手續費後，這兩類簽帳的淨回贈率分別為5.05%及3.05%。投資者需留意，此卡的高回贈優惠通常附帶條件，例如持卡人須預先登記「恆生Travel+ Visa Signature卡 +FUN Dollars獎賞計劃」，並於每月累積合資格零售簽帳達6,000元，方可啟動當月的指定地區外幣簽帳7%獎賞。此外，該獎賞計劃涵蓋指定地區外幣簽帳、其他外幣簽帳及本地餐飲簽帳，合共設有每月500元+FUN Dollars的回贈上限。 除了特定外幣回贈外，部分信用卡則聚焦全球食肆及網上簽帳。信銀國際Motion信用卡便是其中一例。該卡於推廣期內，每月累積合資格零售簽帳滿3,800元或以上，可享同月食肆及網上簽帳6%現金回贈，海外食肆簽帳亦包括在內，唯酒店餐飲簽帳除外。這意味著，持卡人無論是在海外餐廳用餐，抑或於外遊前透過旅遊網站訂購機票、火車票及旅遊景點門票，均可享受6%回贈。值得留意的是，該卡更提供迎新禮品選項，包括發卡首三個月內外幣簽帳10%現金回贈，合資格外幣簽帳包括非港元結算的零售簽帳及網上交易，但此迎新優惠設有1,000元的現金回贈上限。 總體而言，市面上信用卡選擇眾多，各具優勢。旅客在規劃暑假行程及海外消費時，應仔細審閲各信用卡的條款及細則，包括最低簽帳要求、回贈上限及不適用範圍等，以確保能充分利用信用卡優惠，抵銷潛在手續費，使旅程更為經濟實惠。 ``` ### Result 6 Best credit cards in Hong Kong: An overview of credit cards in HK https://wise.com/hk/blog/credit-cards-in-hong-kong To help you out, this guide will compare the seven most popular credit cards from different providers in Hong Kong. ... **Reward programs (travel miles, cashback, or discount)** - it’s common to choose a credit card based on the reward programs alone. You might prefer to receive the highest cashback, accumulate travel miles, or get discounts at the checkout. By selecting a card that offers benefits that align with your spending habits, you can earn valuable perks on purchases you would make regardless. This way, you can get the most out of your credit card rewards program. **Foreign transaction fees** - when you spend money with a credit card in a foreign currency or shop online with overseas retailers, it will typically incur an additional foreign transaction fee. ## AEON CARD WAKUWAKU The AEON Card WAKUWAKU is a product from the collaboration of Mastercard and AEON Credit Service, exclusively aimed at those who shop online and frequently travel to Japan. You can simply apply for the AEON CARD WAKUWAKU through the "AEON HK" app at the convenience of your fingertips. Here are some eligibility, benefits, and service fees related to the AEON CARD WAKUWAKU: Eligibility^1^: - Hong Kong resident aged 18 or above. Benefits^1^: - Permanent Annual Fee Waiver. - Welcome Offer Up to 16% Cash Rebate + 400 HKD Cash Rebate. - Online Spending: 6% Cash Rebate - Japan Spending: 3% Cash Rebate - Local Food and Beverage Spending: 1% Cash Rebate - Other Spending: 0.5% Cash Rebate - Birthday Privilege Service Fees^2^: - Annual interest rate: - Credit Purchase: 35.02% - Cash Advance: 35.86% - Late payment fees: The lower between the amount of minimum payment due OR 300 HKD. - Fees relating to Foreign Currency Transaction: 1%. ... Citi Cash Back Card can be used for your regular purchases in Hong Kong or overseas, anywhere Mastercard is accepted. ... Service Fees^4^: - Annual fee: 1,800 HKD - Interest Rate: - Retail Purchase: 34.28% - Cash Advance: 35.81% - Fees related to foreign currency transaction: 1.95%. ... The Standard Chartered Cathay Mastercard is one of the best earners for collecting Asia Miles. You will start with up to 60,000 welcoming Miles. You will also get the first-year annual fee waiver. For the following years, an annual fee of 2,000 HKD will be charged. ... - Hong Kong resident aged 18 or above; - Annual income of 96,000 HKD or above; - Existing Cathay Member. ... - First-year annual fee waiver - Up to 60,000 Miles for new cardholders. - 4 HKD = 1 Asia Mile for eligible spending on dining / food delivery platforms, online and overseas spending categories. ... Service Fees^6^: - Annual Fee: 2,000 HKD - Interest Rate: - Retail Purchase: 35.70% - Cash Advance: 35.93 % - Late payment fees: the lower of 5% of outstanding balance ( minimum cap of 220 HKD or maximum cap of 350 HKD) OR the Minimum Payment Due. - Fees related to settling currencies other than HKD: 1.95%. - Fees related to settling HKD incurred outside of Hong Kong: 1%. ## Standard Chartered Smart Credit Card Another impressive product from Standard Chartered is the Smart Credit Card. If you're constantly travelling overseas or regularly shopping from overseas websites, the Standard Chartered Smart Credit Card is the one for you. This credit card has no foreign transaction fees, annual fees, or cash advance fees. Therefore, it's often considered one of the 'best travel credit cards' in Hong Kong. ... Service Fees^10^: - Annual fee: 2,000 HKD (Visa Signature) or 1,800 HKD (Visa Platinum) ... ## HSBC Red Credit Card Suppose you are looking for a credit card from an international bank where you can access services locally and in other countries and territories worldwide. In that case, HSBC might be your perfect provider. HSBC offers various banking services, including the HSBC Red Credit Card. The credit card comes with many attractive cash rebates while spending locally and overseas. The HSBC Red Credit Card also offers a perpetual annual fee waiver, meaning your yearly fee will be waived perpetually as long as you remain a program member. ... - An annual income of 120,000 HKD or above. ... - Perpetual annual fee waiver. - Earn HSBC Reward+ stamps and receive RewardCash when you spend at McDonald's and various merchants - 2% RewardCash on Hong Kong supermarket spending - 4% RewardCash on the first 12,500 HKD online transactions and unlimited 1% RewardCash on subsequent online spending each calendar month. - 1% RewardCash on other local and overseas spending. Service Fees^12^: - Annual interest rate: - Retail purchase: 35.42% - Cash advance (include handling + cash advance fees): 35.94% - On Cash Credit Plan: 34.17% - Late payment fees: the amount of minimum payment due or 300 HKD, whichever is the lower . - Fees Relating to Foreign Currency Transaction: 1.95% ## American Express Platinum Card The American Express Platinum is the most prestigious credit card you can get in Hong Kong. The American Express Platinum has a high annual fee but huge earning opportunities if you can maximise the benefits and rewards. For example, as of the research time (January 29, 2024), you can redeem 1,000,000 points as 55,555 miles, enough to redeem round trip tickets to Tokyo or Osaka for two or a round trip ticket to London or Paris^13^. ... - Online bonus of 100,000 Membership Rewards points upon first transaction made. ... Service Fees^14^: - Annual fee: 9,500 HKD - Annual interest rate: - Retail purchase: 35.96% ... - Fees related to settling currencies other than HKD: 2% ### Result 7 Overseas Shopping 2024 Guide in Hong Kong - MoneyHero https://www.moneyhero.com.hk/en/credit-card/blog/overseas-shopping-guide-in-hong-kong # Overseas Shopping 2024 Guide in Hong Kong #### Written by moneyhero Many credit card issuers on the market offer perks such as extra cashback rewards for foreign transactions. ... ## What is overseas transaction fee? ### Cross-Border Fee A cross-border fee is incurred when cardholders make purchases at overseas merchants but pay in Hong Kong dollars. The cross-border fee varies depending on the credit card issuer, usually ranging from 0.8% to 1% of the transaction amount, and is charged during settlement. ... ### Foreign Currency Transaction Fee A foreign currency transaction fee is a charge imposed by credit card issuers when a transaction is conducted in a currency other than the cardholder’s native currency, usually applied as a percentage of the transaction amount. The foreign currency transaction fee varies depending on credit card issuer, typically ranging from 1% to 2%. Visa, Mastercard and JCB credit cards usually charge a 1.95% foreign currency transaction fee. As for JCB credit cards, the fee varies depending on the issuing bank, ranging from 1% to 1.95%. American Express credit cards have one of the highest rates, requiring a 2% foreign currency transaction fee. Nevertheless, there are a wide selection of cards that waive the foreign currency transaction fee. For instance, most UnionPay cards (including debit and credit cards) do not incur foreign currency transaction fees, with the exception of UnionPay credit cards offered by Hang Seng and HSBC, which currently impose fees of 1.2% and 1% ( except for transactions in RMB and MOP) respectively. As a result, when traveling abroad or shopping with foreign currency, many prefer using UnionPay credit cards to avoid the foreign currency transaction fee. ... ## Credit Cards without Overseas Transaction Fees UnionPay cards are renowned for waiving foreign currency transaction fees, making them one of the most popular options among travelers and shoppers. ... ## Comparison of credit cards without foreign currency transaction fee |Credit cards without foreign currency transaction fee|Overseas spending rebate|Foreign currency transaction fee|Annual income requirement| |--|--|--|--| |EarnMore UnionPay Card|**2%**|**0%** **(Transaction fee waived by UnionPay)**|**HK$150,000 / student**| |Standard Chartered Smart Credit Card|**0.55%**|**0%** **(Transaction fee waived)**|**HK$96,000**| ... ### PrimeCredit EarnMORE UnionPay Diamond Card |Japan|- Spend JPY 50,000 or more in a single transaction at Takashimaya Department Store to get an instant JPY 1,000 off. Click here for details - At Chubu Centrair International Airport and New Chitose Airport, spend JPY 10,000 or more in a single transaction to get an instant JPY 400 discount. Click here for details - Enjoy an instant JPY 400 discount on a single transaction of JPY 20,000 or more at the designated merchants listed below - Haneda Airport, Narita Airport, and Kansai Airport. For details, click here - Bicool Appliances, please click here for details - Enjoy an instant JPY 400 discount on a single purchase of JPY 30,000 or more at the designated merchants below - Alexander & Sun Duty-Free Shop, click here for details - LOTTE duty-free shop, details click here|From now until December 31, 2026| ... ## Best Credit Cards for International Transactions In addition to selecting credit cards that waive overseas transaction fees, another effective strategy to reduce transaction costs is using cards that offer decent cashback or rewards for overseas and/or foreign currency spending. By choosing a card with high rebates, cardholders can partly or fully offset the potential difference incurred from transaction fees. This approach not only helps minimise the fees associated with international transactions but also maximises the benefits gained from using credit cards for overseas purchases. The table below presents a list of selected credit cards renowned for their attractive overseas spending rebates. |Credit card for foreign currency spending|Overseas spending rebate|Foreign currency transaction fee|Annual income requirement| |--|--|--|--| |Selected cashback credit cards for foreign currency spending|Selected cashback credit cards for foreign currency spending|Selected cashback credit cards for foreign currency spending|Selected cashback credit cards for foreign currency spending| |CNCBI Motion Credit Card|Welcome bonus:10% rebate*；|1.95%|HK$150,000| |Hang Seng MMPOWER World Mastercard|6% (Must accumulate spending of HK$5,000 within the month)|1.95%|HK$150,000 / student| |BOC Chill Card|5%(Rebate capped at HK$150/month)|1.95%|HK$150,000| |HSBC Pulse UnionPay Dual Currency Diamond Credit Card|4.4% or HK$2.27/mile (With Overseas and Mainland China Spending registered as “Red Hot Rewards of Your Choice”)|1%( except for transactions in RMB and MOP)|HK$150,000| |HSBC Visa Signature Card|3.6% or HK$2.78/mile (With Overseas and Mainland China Spending registered as “Red Hot Rewards of Your Choice”)|1.95%|HK$360,000| |AEON CARD WAKUWAKU|3% rebate on Japan spending|1%|No annual income requirement| |Citi Cash Back Card|2%|1.95%|HK$120,000| |Citi Prestige Card|HK$4/mile|1.95%|HK$600,000| ... |Citi PremierMiles Card|HK$3/mile|1.95%|HK$120,000| |Standard Chartered Cathay Mastercard|HK$4/mile|1.95%|HK$96,000| |BEA World Mastercard|4% or HK$4/mile|1.95%|HK$120,000| |DBS Black World Mastercard|HK$4/mile|1.95%|HK$240,000| |HSBC EveryMile Credit Card|2.5% or HK$2/mile|1.95%|HK$240,000| ### Result 8 Best Credit Cards in Hong Kong: Top Picks for 2026 - Air Corporate https://air-corporate.com/hk/blog/top-credit-cards-in-hong-kong - Each card has unique rewards programs, including cashback, airline miles, and points redeemable for various benefits. - Benefits include complimentary travel insurance, reward points, and various discounts. Some cards offer additional perks like free movie tickets or cashback on certain spending. ... Consider the credit card's rewards program. This could include a cash rebate, airline miles, points, travel insurance, or other benefits. Make sure to understand which are eligible transactions for earning rewards. Some cards may exclude certain categories or offer bonus points on specific purchases. Choose a program that aligns with your spending habits and goals. ... ### 1. AEON CARD WAKUWAKU A collaboration between AEON Credit Service (Asia) Co., Ltd. and Mastercard, the AEON Card WAKUWAKU is designed for frequent online shoppers and travelers to Japan. With attractive cashback offers and no annual fees, it provides excellent value for Hong Kong residents. #### To apply, you should: - Be at least **18 years old** - Be a **Hong Kong resident** #### Pros - Lifetime **waiver of annual fees** - **Up to 16% cashback** as a welcome offer, plus a **HKD 400 rebate** - Convenient application via the **AEON HK app** #### Cons - **No travel insurance** or additional purchase protection - Cashback rates vary based on spending categories ... |Feature|Details| |--|--| |Annual Fee|HKD 0 (permanently waived)| |Annual Percentage Rate (APR)|35.02% for credit purchases, 35.86% for cash advances| |Late Payment Fee|The lower of the minimum payment due or HKD 300| |Foreign Currency Transaction Fee|1%| |Cashback Rewards|6% on online shopping 3% on transactions in Japan 1% on local dining 0.5% on all other spending| ... ### 2. Citi Cash Back Card The Citi Cash Back Card is a strong choice for those looking to earn maximum cashback on everyday purchases. Designed for spending in Hong Kong and abroad, it focuses on cashback rewards instead of travel perks like air miles or lounge access. Unlike many other cards, there is no cap on the cashback you can earn, making it a practical option for frequent spenders. ... - **Foreign transaction fee of 1.95%** on overseas spending ... |Feature|Details| |--|--| |Cashback Rewards|2% on local dining 2% on hotel stays in Hong Kong 2% on foreign currency spending 1% on all other local transactions| ### 3. Standard Chartered Smart Credit Card For those who frequently shop on international websites or travel abroad, the Standard Chartered Smart Credit Card is a standout option. With no fees for foreign transactions, annual membership, or cash advances, it is often recognized as one of Hong Kong's most cost-effective travel credit cards. ... |Feature|Details| |--|--| |Rewards (Airline Miles)|Every HKD 6 spent locally earns 1 airline mile Every HKD 4 spent overseas earns 1 airline mile| ... DBS's Black World Mastercard is a great choice for those looking for a credit card that offers airline miles without any expiry date. With every HK$250 spent, all DBS personal credit cardholders (except from COMPASS VISA cardholders) can earn DBS $1, which they can then redeem for cash rebates or other benefits through the Reward Scheme. ### Result 9 Compare HSBC Credit Cards | Apply Online https://www.hsbc.com.hk/credit-cards/compare/ # Compare credit cards ## Select a card to compare ### Notes Premier MasterCard Exclusively for HSBC Premier banking customers. Delight in an array of extraordinary travel, dining and lifestyle privileges at home and abroad. ### Result 10 EveryMile Credit Card | Miles & Travel Rewards - HSBC HK https://www.hsbc.com.hk/credit-cards/products/everymile/ # HSBC EveryMile Credit Card ## Earn up to $1,450 RewardCash (or 29,000 miles) for applying for an HSBC EveryMile Credit Card. T&Cs apply. 1. HSBC HK 2. Credit Cards ... Earn unlimited miles at a rate as low as HKD2 = 1 mile, and enjoy a wide range of complimentary travel perks. ... ### Got any travel expenses to settle from your trip? Enjoy exclusive 20% off ($1 RewardCash = HKD1.25) when you settle your travel expenses at designated merchants using your RewardCash. Use the 'Pay with RC' function on the HSBC Reward+ app with your HSBC EveryMile Credit Card now! T&Cs apply. ... Earn miles on designated everyday and travel spend at a rate of every HKD2 = 1 mile[@cards-preferentialrate] (selected café and light meals, local transportation, cross-border transportation and travel services[@cards-designatedeverydayspend])—see our full merchant list (PDF) ### Shop and spend towards your next trip Spend locally and abroad, and earn miles at a rate of every HKD5 = 1 mile to make your next vacation even more memorable. ### Flexible RewardCash conversion[@cards-everymilerewardplus] Use the Reward+ App to convert your RewardCash at a preferential rate[@cards-preferentialrate] to miles or points across 19 frequent flyer and hotel loyalty programmes, or redeem free tickets from over 110 airlines—the widest flight redemption coverage in Hong Kong. ... ### Travel benefits - Book designated hotels through Agoda to get year round discounts of up to 15% off. Plus, get 30% off with monthly flash deals. T&Cs apply. - Treat yourself with up to 6 complimentary access to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas, subject to local or overseas spending of HK$4,000 (or equivalent in foreign currencies) within 60 days after each access during the promotion period[@cards-loungelocations].T&Cs apply. ... ## Additional benefits you can enjoy ... - As low as HKD2 = 1 mile on overseas transactions - limited-time offer Get 1 mile for as low as every HKD2 you spend, when you make eligible overseas transactions with a total net spending amount of HKD12,000 or above. ... An annual income of HKD240,000 or above ... Yes, you will earn $1 RewardCash for every HKD250 you pay towards your bills online using any of the following cards: - HSBC Premier Credit Card - HSBC Visa Signature Card - HSBC EveryMile Credit Card - HSBC Red Credit Card - HSBC Visa Platinum Card - HSBC Pulse UnionPay Dual Currency Diamond Card You'll be awarded RewardCash only for the first HKD10,000 in eligible online bill payments made using an eligible credit card in each monthly statement cycle.
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