Best credit cards in Hong Kong
Cards ranked by category using CardIQ: a data-driven rating across fees, earn rates, rewards value and more. Rankings are generated algorithmically, with no human input, and update whenever product data changes.
Best airport lounge credit cards
Relax before your flight with lounge access.
How we score this →#1
73Strong
Bank of China (Hong Kong)Platinum
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BOC Hospital Authority Credit Card
- Rewards program
- BOC Gift Point Rewards Program
- Earn rate
- 1 pt per HK$1 (Very high)
- Sign-up bonus
- —
- Annual fee
- HK$0
#2
55Good
BOC Cheers Visa Infinite Card
- Rewards program
- BOC Gift Points
- Earn rate
- 1 pt per HK$1 (Very high)
- Sign-up bonus
- 225,000 pts
- Annual fee
- HK$0
#3
54Fair
HSBC Premier Mastercard®
- Rewards program
- HSBC RewardCash
- Earn rate
- 0.4 RewardCash dollars per HK$100 (Below average)
- Sign-up bonus
- 800 pts
- Annual fee
- HK$0
Best cashback credit cards
Get cash back on everyday spending.
How we score this →#1
100Excellent
Dah Sing ONE+ Credit Card
- Cashback offer
- HK$500 sign-up + 1% ongoing
- Interest-free days
- Up to 60 (Above average)
- Annual fee
- HK$0
- Est. first-year cashback
- HK$860 at HK$3,000/mo spend (High)
#2
99Excellent
HSBC Red Credit Card
- Cashback offer
- 4% ongoing
- Interest-free days
- Up to 56 (Average)
- Annual fee
- HK$0
- Est. first-year cashback
- HK$1,440 at HK$3,000/mo spend (High)
#3
99Excellent
Standard Chartered Smart Credit Card
- Cashback offer
- 5% ongoing
- Interest-free days
- Up to 56 (Average)
- Annual fee
- HK$0
- Est. first-year cashback
- HK$1,800 at HK$3,000/mo spend (High)
Best no annual fee credit cards
Skip the annual fee and keep your costs down.
How we score this →#1
82Strong
Standard Chartered Smart Credit Card
- Annual fee
- HK$0
- Purchase rate
- 33.36% p.a. (Very High)
- Interest-free days
- Up to 56 (Average)
- Foreign transaction fee
- 0% (No foreign fee)
#2
80Strong
BOC SaSa Dual Currency Credit Card
- Annual fee
- HK$0
- Purchase rate
- 32.00% p.a. (Low)
- Interest-free days
- Up to 56 (Average)
- Foreign transaction fee
- 1% (Low)
#3
80Strong
BOC CMHK Dual Currency Diamond Card
- Annual fee
- HK$0
- Purchase rate
- 32.00% p.a. (Low)
- Interest-free days
- Up to 56 (Average)
- Foreign transaction fee
- 1% (Low)
Best rewards credit cards
Earn points on your spending and redeem them your way.
How we score this →#1
85Excellent
Dah Sing MyAuto Credit Card
- Rewards program
- —
- Earn rate
- — (Very high)
- Sign-up bonus
- —
- Annual fee
- HK$0
- Est. annual rewards value
- — (Below average)
- Fee break-even
- —
- Sign-up bonus value
- —
#2
81Strong
Hang Seng enJoy Visa Platinum Card
- Rewards program
- yuu Points
- Earn rate
- 4 pts per HK$1 (Very high)
- Sign-up bonus
- 140,000 pts
- Annual fee
- HK$0
- Est. annual rewards value
- — (Below average)
- Fee break-even
- —
- Sign-up bonus value
- ~HK$700 (spend HK$5,000 within 60 days from the date of the Hang Seng enJoy Visa Card issuance) (High)
#3
74Strong
BOC "HK GO" Credit Card
- Rewards program
- —
- Earn rate
- — (Very high)
- Sign-up bonus
- —
- Annual fee
- HK$0
- Est. annual rewards value
- — (Below average)
- Fee break-even
- —
- Sign-up bonus value
- —
Best sign-up bonus credit cards
Kick-start your balance with a welcome bonus.
How we score this →#1
78Strong
Hang Seng enJoy Visa Platinum Card
- Rewards program
- yuu Points
- Sign-up bonus
- 140,000 pts
- Earn rate
- 4 pts per HK$1 (Very high)
- Annual fee
- HK$0
#2
71Strong
BOC Cheers Visa Infinite Card
- Rewards program
- BOC Gift Points
- Sign-up bonus
- 225,000 pts
- Earn rate
- 1 pt per HK$1 (Very high)
- Annual fee
- HK$0
#3
63Good
Citi PremierMiles Card
- Rewards program
- Citi ThankYou Rewards
- Sign-up bonus
- 240,000 pts
- Earn rate
- 12 Points per HK$8 (High)
- Annual fee
- HK$1,800
Best travel credit cards
Earn on travel and pay less abroad.
How we score this →#1
83Strong
Bank of China (Hong Kong)Platinum
•••• •••• •••• ••••
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BOC Hospital Authority Credit Card
- Rewards program
- BOC Gift Point Rewards Program
- Earn rate
- 1 pt per HK$1 (Very high)
- Foreign transaction fee
- 1% (Low)
- Annual fee
- HK$0
#2
64Good
Standard Chartered Smart Credit Card
- Rewards program
- —
- Earn rate
- —
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- HK$0
#3
59Good
HSBC Premier Mastercard®
- Rewards program
- HSBC RewardCash
- Earn rate
- 0.4 RewardCash dollars per HK$100 (Below average)
- Foreign transaction fee
- 1.95% (Average)
- Annual fee
- HK$0
Sources
- Credit Card Compare
- Credit card statistics for Hong KongHow CardIQ scores cards