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.

Best Credit Cards for Expats and Foreigners in Hong Kong

Which cards should expats and foreigners apply?

Click the cards below to learn more:

For Cashback
Standard Chartered, Citi cards
For Air Miles
DBS, Citi, Standard Chartered cards
For Grocery Shopping
Hang Seng, DBS, Citi cards

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.