Best Credit Cards for Expats and Foreigners in Hong Kong
With selected credit cards, you can enjoy rewards for local and overseas spending. We have put together a list of selected credit cards. Choose the ones that match your spending pattern the most.
Which cards should expats and foreigners apply?
Click the cards below to learn more:
For Cashback
Citi Cash Back Card
- Minimum Income Requirements
- HK$120,000
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 2%
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Standard Chartered Smart Card
- Cash back on spending at designated stores of HKTVmall
- 5%
- Cash back on local spend
- 5%
- MoneySmart Exclusive Offer
- HK$2,268
【🚀Faster Fulfilment | Flex Your Redemption for Desired Rewards】From now until 31 Aug, New Cardholders who successfully apply for the Standard Chartered Smart Card now via MoneySmart can enjoy an extra 8,000 SmartPoints!
Use 8,000 SmartPoints to fully redeem HK$800 vouchers (over 20+ brand vouchers, including Apple/ PARKnSHOP/ HKTVmall) or BRUNO Handy USB 2-in-1 Vacuum Cleaner (Value: HK$898) or De'Longhi Icona Vintage Series Water Kettle (Value: HK$848). If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints, e.g. SAMSUNG Galaxy Tab A9 (WIFI-64GB) (Value: HK$1,288) at only HK$488 on top of your earned SmartPoints! Explore abundant rewards at our Rewards Store!
For Air Miles
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DBS Black World Mastercard
- Welcome Offer
- Up to 42,000 miles
- Upon meeting local and overseas spending goal*
- HK$3/mile
- Miles Conversion (overseas spend)
- HK$4/mile
【⚡️Unleash Your Wanderlust: HK$800 vouchers & Awesome Extras Await!】
From now until 26 Aug 2024, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy SAMSUNG Galaxy Buds FE (R400) (Retail value: HK$898) / gimes II 20" Foldable & Expandable Luggage (Retail value: HK$1,399) / German Pool Capsule Coffer Maker (Retail value: HK$1,580) / HK$800 Apple Store Gift Card or PARKnSHOP Supermarket Voucher! Together with the bank welcome offer, you can earn up to HK$1,580 rewards and up to 42,000 miles at the same time!
DBS Black World Mastercard offers HK$6 = 1 mile, capped at 833 monthly and 9,996 yearly.
Welcome offers: Offers up to 120,000 miles plus exclusive HK$200 supermarket voucher for successful application via MoneySmart.
Standard Chartered Cathay Mastercard
- Miles Conversion(Eligible spending on Cathay and HK Express)
- HK$2 = 1 mile
- Miles Conversion (Eligible spending on dining, online and overseas category)
- HK$4 = 1 mile
- Bank Welcome Offer
- 60,000 miles
【🚀Faster Fulfilment | Flex Your Redemption for Desired Rewards】From now until 31 August 2024, new cardholders who successfully apply for the Standard Chartered Cathy Mastercard via MoneySmart to extra 9,000 SmartPoints!
Use 9,000 SmartPoints to fully redeem HK$900 vouchers (over 20+ brand vouchers, including Apple/ PARKnSHOP/ Klook) or German Pool Capsule Coffee Maker (Value: HK$1,580) or BRUNO Multi Grill Pot (Value: HK$1,098). If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints, e.g. Sennheiser ACCENTUM Wireless Headphones (Value: HK$1,600) at only HK$600 on top of your earned SmartPoints! Explore abundant rewards at our Rewards Store!
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【Limited-time: Surprise Destinations Air Tickets Lucky Draw 🎊】From 1 August until 2 September 2024, successfully apply for a Standard Chartered Cathay Mastercard® through online channel and make at least 1 Eligible Transaction within 1 month; you will be automatically enrolled in the Lucky Draw and stand a chance to win a round-trip ticket with Cathay Pacific to a surprise destination!
Citi Prestige Card
- Minimum Income Requirements
- HK$600,000
- Miles Conversion (local spend)
- HK$6 = 1 Mile
- Miles Conversion (overseas spend)
- HK$4 = 1 Mile
For Grocery Shopping
Hang Seng enJoy Card
- Annual fees
- Perpetual annual fee waiver
- Cash back on local spend
- 2％
- Welcome Offer
- Up to 120,000 yuu Points
【Make Every Grocery Trip Count】
From now until 15 August, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$1,200 within 30 days after card issuance, can enjoy an extra 12,000 SmartPoints; existing customers who spend HK$700 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
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New customers can use 12,000 SmartPoints to fully redeem HK$1,200 vouchers (over 20+ brand vouchers including Apple / Wellcome/ Klook etc) or Outin Nano Portable Espresso (Value: $1,068), you can also top-up to redeem SAMSUNG GALAXY Tab A9 (WIFI-64GB) (Value: HK$1,298) or Apple AirPods (3rd generation) (Value: HK$1,499) from our Rewards Store. Existing customers can use 7,000 SmartPoints to fully redeem a SAMSUNG Galaxy Buds FE (Retail Value: HK$898) or HK$700 vouchers. Explore more other options available at our Rewards Store!
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【Bank Welcome Offer】Link enJoy Card to yuu Rewards Program and accumulate eligible retail spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent to rewards worth HK$400)!
Hang Seng enJoy Card offers 1% enJoy Dollars rebate (HK$200 = HK$2 enJoy Dollars) at participating merchants (e.g. Wellcome, Market Place by Jasons, 3hreesixty, etc.) and 5% off selected items at 7-Eleven on the 8th and 18th each month.
Citi Rewards MasterCard
- Minimum Income Requirements
- HK$120,000
- Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
- 5X points
- Miles Conversion (local spend)
- $3 = 1 Mile
Citi Rewards Card offers 5X Points all year round and 8X Points during your birthday month on spending at supermarkets throughout the year.
Things you need to know about credit card application
Documents Required
To apply for credit cards, applicants are required to submit supporting documents which include identity proof (e.g. HKID card), income proof (e.g. payslips/ bank statements) and address proof (e.g. utility bills). If you do not hold an HKID card and have not started working, you can submit your passport with your working visa and employment contract instead.
Processing Time
If you have filled out the application form correctly and submit all the necessary documents, it usually takes less than 2 weeks for approval.
Credit Card Fees
Besides annual fee, please note that there are other credit card fees including late charges, overseas transactions handling fee, over-limit handling fee and returned cheque & rejected autopay charges, etc.
Credit Cards for Expats and Foreigners Frequently Asked Questions
Which credit card is the best in Hong Kong?
There is no quick answer to this question. To get smart about your money, it is best to choose a credit card that matches your spending pattern to maximise the rewards for your spending. If you travel a lot, it is money-saving to apply for credit cards that offer miles. If you do grocery shopping a lot, apply for credit cards that offer discounts at supermarkets saves you money.
Can foreigners apply for credit cards in Hong Kong?
Non-permanent residents can submit credit card application online together with supporting documents which include identity proof (e.g passport), income/ employment proof and address proof for approval.
Can cardholders apply for an annual fee waiver?
To avoid paying an annual fee, cardholders are generally required to meet minimum spending requirements. It is best to check before applying to see if it fits your spending pattern. Alternatively, cardholders can call the customer service hotline and try to have it waived.
How to cancel my credit card?
You can call the customer service hotline of the card issuer to request card cancellation. Please note that if the principal card is cancelled, all supplementary card and internet account will also be cancelled.
