Hong Kong credit card statistics
Figures for the 40 Hong Kong credit cards we compare, across 8 issuers and 8 card types. Every number is calculated from our own card data.
These figures cover the cards listed on Credit Card Compare, not the whole Hong Kong market, and change as product data changes. They are general comparisons, not product ratings.
Market spread
The band is the middle half of cards (25th to 75th percentile); the line is the median. A wide band means cards vary a lot, a tight one means they cluster.
Low cost
Cards that keep ongoing costs down: no annual fee and no fee on overseas spend.
- Cards with no annual fee
- 35
- Cards with no foreign transaction fee
- 1
Networks and card types
How the cards split across payment networks, product types and who they are for.
- Visa
- 12
- Mastercard
- 7
- American Express
- 2
- UnionPay
- 5
- Credit cards
- 40
- Personal cards
- 40
Rates and fees
Across all 40 cards, then split by payment network.
| Metric | All | Visa | Mastercard | American Express | UnionPay |
|---|---|---|---|---|---|
| Median annual fee | HK$0 | HK$0 | HK$0 | HK$1,100 | HK$0 |
| Median cash advance rate | 30.00% p.a. | 30.00% p.a. | 30.00% p.a. | — | 30.00% p.a. |
| Median foreign transaction fee | 1.9% | 1.9% | 1.9% | 2.0% | 1.0% |
| Median interest-free days | 56 days | 56 days | 56 days | 56 days | 56 days |
| Median purchase rate | 32.00% p.a. | 32.00% p.a. | 32.00% p.a. | 35.96% p.a. | 32.00% p.a. |
Medians use the cards that have the figure: purchase and cash advance rates exclude charge cards. Figures, not recommendations.
- Highest annual fee
- HK$2,200(American Express® Platinum Credit Card)
- Highest purchase rate
- 60.00% p.a.(Citi Rewards Card)
- Lowest purchase rate
- 31.00% p.a.(6 cards →)
- Most interest-free days
- 60 days(7 cards →)
Rewards
22 cards earn rewards across 10 programs. Cross-program figures are shown in dollar value, since points are worth different amounts by program.
- Cards earning rewards
- 22
- Distinct rewards programs
- 10
- Median sign-up bonus value
- HK$800
Values use conservative per-point estimates so programs are comparable.
- Highest rewards value per HK$1
- 3.8c per HK$1(Citi HKTVmall Card)
- Largest sign-up bonus value
- HK$3,600(Standard Chartered Cathay Mastercard)
Rewards figures are value-adjusted using conservative per-point values, since points are worth different amounts by program. Last updated November 2026. See our data accuracy page for how we keep the data current. To cite these figures, link to this page and note the month above.