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
- Annual Fee
- First Year Annual Fee Waiver
- Rebate on Overseas Spending & Local Dining
- Unlimited 2%
- Rebate on Local Spending
- Unlimited 1%
【🔥MoneySmart Exclusive: Up to HK$3,999 Rewards/ Free Cathay Pacific Flights!】
From now until 1 April 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・✈️ Round-trip Air Ticket from Hong Kong to Taipei/ Hanoi on Cathay Pacific, inclusive of 20kg baggage allowance (excluding tax and fuel surcharges) or
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・🆕 PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!
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Standard Chartered Smart Card
- Cash back on spending at Klook
- Up to 5%
- Cash back at Designated Merchants
- Up to 5%
- MoneySmart Exclusive Offer
- HK$2,798
【🌟Double the Excitement: Apply now and get up to HK$HK$1,998 Rewards from MoneySmart!】
From now until 31 March 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・ JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998)
・ OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・ GHD Flight+ Travel Hair Dryer (Value: HK$895)
・ HK$800 Apple Store Gift Card/ PARKnSHOP Supermarket Vouchers
For Air Miles
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DBS Black World Mastercard
- Welcome Offer
- Up to 32,000 miles
- Upon meeting overseas spending goal*
- HK$2/mile
- Octopus Card AAVS Rebate
- 2,000 miles
【⚡️Unleash Your Wanderlust: HK$500 vouchers & Awesome Extras Await!】
From now until 31 March 2025, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy 5,000 SmartPoints!
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With 5,000 SmartPoints can fully redeem HK$500 cash vouchers (over 20+ brand vouchers including Apple, PARKnSHOP, Klook etc) or Smasung Galaxy Fit (Value: HK$498) or JBL Clip 4 Ultra-portable Waterproof Speaker (Value:HK$499). If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Click here to explore limitless possibilities at our Rewards Store! Including bank welcome offer, you can enjoy up to HK$500 rewards and up to 30,000 miles!
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【📣 BREAKING: 2025 Rewards Upgrade!】 DBS lowered the spending threshold to HK$20,000 monthly (vs HK$80,000 quarterly in 2024), making it EASIER THAN EVER to earn miles on your overseas spending!
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, hotels and overseas category)
- HK$4 = 1 mile
- Bank Welcome Offer
- 40,000 miles
【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 March 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・🆕 SONY ULT FIELD 1 Wireless Portable Speaker (Value: HK$999)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher
- 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
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
- Rebate on Shopping & Entertainment Transactions
- 3%
- Miles Conversion (local spend)
- As low as $1.85 = 1 Mile
【🔥MoneySmart Exclusive: Up to HK$3,999 Rewards/ Free Cathay Pacific Flights!】
From now until 1 April 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・✈️ Round-trip Air Ticket from Hong Kong to Taipei/ Hanoi on Cathay Pacific, inclusive of 20kg baggage allowance (excluding tax and fuel surcharges) or
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・🆕 PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!
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.
