Best Online Shopping Credit Cards in Hong Kong

Buy online with best credit card for online shopping to enjoy high rebates and special promotional discounts. Compare and find the best credit card shopping offers, from a range of groceries to online fashion store. Read More
We found 32 Credit Cards for you!
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate
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)!

Valid until 01 Apr 2025 - See more details below
Apply Now
HSBC Red Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Cash back on Supermarket purchases
2%

【MoneySmart Exclusive Offer】
By March 31, 2025, apply for the HSBC Red Credit Card through MoneySmart successfully and submit the rewards redemption form, you can earn HK$300 Apple Store Gift Card / HK$300 PARKnSHOP supermarket voucher.
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From now until 16 March 2025, New Credit Card Customers who successfully apply for an eligible HSBC Credit Card can participate in the lucky draw of 'FWD Insurance Presents: Jay Chou The Carnival World Tour 2025 Hong Kong’.Terms and Conditions Apply.

Valid until 31 Mar 2025 - See more details below
Apply Now
Citi Rewards UnionPay Card
MoneySmart Exclusive
1% Points Rebate for all local Mobile Payments
Minimum Income Requirements
HK$120,000
Cashback on shopping & entertainment transactions
8.1X points
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)!

Valid until 01 Apr 2025 - See more details below
Apply Now
WeWa UnionPay Diamond Card
MoneySmart Exclusive
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash rebate on travel spending and designated spending categories
4%
Apply Now
Standard Chartered Smart Card
MoneySmart Exclusive
Up to 5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
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

Valid until 31 Mar 2025 - See more details below
Apply Now
sim World Mastercard®️
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000
Read More
Mox Credit Card (Miles)
MoneySmart Exclusive
Limited Offer|Best-in-town Asia Miles rewards
Miles Conversion
HKD4 = 1 mile
Foreign transaction fee waived
1.95%
MoneySmart exclusive welcome offer
68,500 miles + HKD200 voucher

March Limited Offer : Get an extra HKD 200 voucher just for you💵
🛩 New customers can use the invitation code "4100MSTFS" to enjoy up to 25,000 miles (redeemable for a round-trip ticket to Japan 🇯🇵). During the promotional period, spend a specified amount to receive an additional 12,500 miles 🛩. By making a 12-month fixed deposit, you can earn up to 68,500 miles all at once!
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Additionally, MoneySmart will reward you an exclusive HKD200 Apple Store gift card / ParknShop cash voucher / Trip.com electronic voucher by successfully opening an account with the promo code '4100MSTFS' and spending a minimum of HKD 15,000. Total value over HKD8,582💰

Terms and conditions apply.
📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 31 Mar 2025 - See more details below
Apply Now
Citi Rewards MasterCard
MoneySmart Exclusive
3% Points on Shopping and Entertainment
Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
1%
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)!

Valid until 01 Apr 2025 - See more details below
Apply NowApply directly on MoneySmart
Hang Seng enJoy Card
Up to 4x Points to spend as cash
Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points
Read More
Hang Seng MMPOWER World Mastercard®
MoneySmart Exclusive
Get up to 6% +FUN Dollars on overseas spending
Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on Overseas foreign currencies spending
6%
+FUN Dollars rebate on Online Retail Transaction
5%

【📱Earn 5% +FUN Dollar Rebate & Welcome Perks with Your NEW PHONE Purchase!】
From now until 31 March, new and existing credit card customers* who successfully applied for the Hang Seng MMPOWER World Mastercard® via MoneySmart, can enjoy an extra 1,000 SmartPoints!
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New and existing customers can use 1,000 SmartPoints to fully redeem HK$100 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) from our Rewards Store.

Valid until 31 Mar 2025 - See more details below
Apply Now
Standard Chartered Cathay Mastercard - Priority Banking
MoneySmart Exclusive
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
100,000 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

Valid until 31 Mar 2025 - See more details below
Apply Now
sim Credit Card
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A
Read More
DBS LIVE FRESH
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Designated Online Transaction
5%
Apply Now
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply Now
DBS COMPASS VISA
MoneySmart Exclusive
Up to 8% rebate on local supermarkets
Min. Annual Salary
HK$100,000
Cash back on designated local spend
1%
Miles Conversion (local spend)
HK$10 = 1 Mile
Apply Now
American Express® Platinum Credit Card
MoneySmart Exclusive
Up to 50% savings at designated restaurants
Min. Annual Salary
HK$300,000
Cash back on online spending
1%
Miles Conversion (online shopping)
HK$6 = 1 Mile
【📣 Upgraded Welcome Offer: Valued up to HK$2,960 upon card approval!】
Apply via MoneySmart by 31 March 2025 to earn 4 complimentary movie tickets. An aggregate spend of HK$5,000 within the first 3 months grants you another HK$500 city'super voucher! Don't miss out on the chance to earn rewards up to HK$2,960! 
Valid until 31 Mar 2025 - See more details below
Apply Now
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$1.68 = 1 Mile
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
🚀  Mega Miles Welcome Offer: 72,000 Miles with Enhanced Spending!】
From now on until 31 March 2025, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 144,000 American Express Membership Rewards points (eqv. to 8,000 miles) upon the qualified spending of HK$7,000 within the first 3 months.
🌟Spend HK$7,000, Earn 8,000 miles - just HK$0,875/ mile!

Ready to Fly Further for Less? Supercharged earning rates:
During the welcome period, earn HK$3=1 mile on eligible local transactions, up to 1,152,000 Points, enough to redeem for 64,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!
Valid until 31 Mar 2025 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card (applicable to designated Full-time University /Tertiary Students)
MoneySmart Exclusive
3 Complimentary airport lounges access per year
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Apply Now
Citi The Club
Minimum Income Requirements
HK$120,000
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Read More
AEON CARD WAKUWAKU
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%
Read More

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Online Shopping Credit Cards in Hong Kong 2025

Online shopping credit cardAnnual salary requirementOnline Shopping Rewards
Citi Clear CardHK$60,0002% Cash Back
Citi Rewards Visa CardHK$150,0000.4% Cash Back
EarnMORE UnionPay CardHK$02% Cash Back
DBS Black World MastercardHK$240,000HK$6 = 1 mile
Standard Chartered Simply Cash Visa CardHK$96,0001.5% Cash Back
American Express® I.T Cashback CardHK$150,0001.2% Cash Back
Hang Seng MPOWER CardHK$150,0005% Cash Rebate
HSBC Red CardHK$150,0004% Cash Rebate
DBS COMPASS VISAHK$60,0003% Cash Back

Promotions and Offers of Credit Cards for Online Shopping

Extra Credit Card Rewards

In addition to the regular credit card rewards such as cash rebate, air miles or reward points, some banks may offer special promotions or limited time offers for online shopping from time to time. Therefore, it's key to do your own research next time when you want to do online shopping. For example:

  1. HSBC is offering a year-round promotion of "Red Hot Online and Overseas Spending Rewards" that gives you up to 2.4% RewardCash rebate and to up an extra 2% RewardCash rebate for overseas spending with HSBC Premier Mastercard.
  2. Standard Chartered Bank is offering a 15% off year-round discount when shopping with Zalora at minimum spending of HK$400.
  3. Citibank is offering a 15% discount when shopping with Zalora.
  4. Hang Seng Bank is having different special promotions with various online outlets such as Hong Kong Book City.

Limited-Time Offers

Besides the above year-round promotions, some banks also offer limited-time offers from time to time. For instance, with Hang Seng Credit Card, in addition to the regular 1.2% Cash Dollars rebate throughout the year, you can now enjoy up to 70% off at world-class hotels, renowned restaurants, luxury stores and leisure destinations.

HSBC also offers limited-time offers with different online merchants. For example, from now until 31 December 2025, enjoy a discount of up to HK$800 and an extra 800 Asia Miles when you use the discount code: "HSBC800" and pay with your HSBC Premier Mastercard® to book flights with Cathay Pacific.

Best Credit Card for Overseas Online Shopping

Air Miles Credit Card

Citibank PremierMiles Card

Citi PremierMiles Card offers year round asia miles reward of 12 Points (1 mile) per every HK$4 spent on online foreign currency spending. If you have spent HK$20,000 or above of total eligible transactions, in one statement cycle, you can enjoy an ever lower Asia Miles conversion of HK$3 = 1 mile.

Cash Rebate Credit Card

Standard Chartered Simply Cash Visa Card

Get 2% cash back on spending in foreign currency with Standard Chartered Simply Cash Visa Card.

Standard Chartered also corporates with multiple online merchants, like Ztore, Zalora, Pricerite etc., which offers up to 15% off upon purchase of designated amount.

Reward Point Credit Card

DBS COMPASS VISA

Although DBS COMPASS VISA can only get 0.4 COMPASS Dollar rebate at non-designated merchants, it offers special discounts on selected shopping sites, for example, cardholders can earn up to 3% rebate at Taobao and Tmall.

Cardholders can also get an 8% instant discount on 6 spending categories including online spending, through DBS Omni InstaRedeem function.

DBS Credit Cards for Online Shopping

DBS offers a range of credit card products that cater to the increasingly popular online shopping trend in Hong Kong. Here’s a list of credit cards available, whether you are looking for cash rebate or air miles.

DBS Black World Mastercard

DBS Black World Mastercard is best for travel lovers which allows you to redeem 4 different kinds of mileage with DBS$ such as Asia Miles, Avios, KrisFlyer and PhoenixMiles. The card offers you special online promotion when shopping online. You can enjoy up to 25% for Zalora products & HK$15 off for Birdie. You will also be eligible for 12% off hotel booking via Expedia and InstaRedeem 30% off at travel merchants.

DBS COMPASS VISA

You can earn up to 3% COMPASS Dollar rebate at Taobao and Tmall with DBS COMPASS VISA. This card also gives you free baggage upgrade with HK Express and access to merchant shopping privileges such as BIC Camera and Agoda. You can now enjoy an extra 8% at designated coffee shops through DBS Omni InstaRedeem with DBS Compass VISA.

DBS Eminent Visa Signature Card

DBS Eminent Visa Signature Card offers you unlimited cash rebates without designated spending amount requirement, you can earn up to 2% cash rebates on spending in foreign currencies all year round. You can also enjoy exclusive Visa Signature benefits including Dining, Travel and many other exclusive privileges.

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Which credit card is best for Online Shopping?

Expedia

AE Explorer

From now until December 31, 2025, you can enjoy 8% savings when you book the selected hotels with your eligible American Express Card at designated Expedia Website.

Ztore

Hang Seng credit cards

Get up to 5% Z-Dollar rebate upon purchase of HK$550 at Ztore with your Hang Senh credit card and a specific promo code, which you can use as cash for your next purchase. You may also earn up to 4% cash dollars rebate for online transactions upon spending over designated amount.

Zalora

Standard Chartered credit Cards

From now until 31 Dec 2025, you can enjoy a year round 15% off when shopping at Zalora with your Standard Chartered credit cards upon spending HK$400 or above, Zalora new customers can even enjoy 20% off first order with no spending requirement.

HSBC Credit Card Online Shopping Promotions

HSBC’s “Red Hot Online and Overseas Spending Rewards” include year-round rewards for online and overseas spending with HSBC credit cards. You can enjoy up to 2.4% RewardCash rebate Overseas spending with HSBC Premier MasterCard credit card and up to an extra 2% RewardCash rebate.

Frequently Asked Questions

Can you buy online with a credit card?

Most credit card providers offer special discounts for online/overseas spending. The rewards can be in the form of air miles, cash rebate or reward points. Some credit card providers also have promotion program and limited-time offer for particular online merchants.

Can you shop online without a credit card?

Yes you can! Many online merchants offer various payment methods including credit card, online or mobile payment platforms. However, you will be eligible for different discount offers when shopping online with your credit cards.

Which bank is best for online shopping?

There is no one-size-fits-all answer as different banks have different online offerings and promotional programs with different online merchants.

Is it safe to pay with a credit card online?

No one can guarantee safety when paying online. However, it is safer to shop online using a credit card rather than a debit card. It is because credit cards can be locked or canceled easily even if you lost your cards. Also, it’s the responsibility of the bank to hand and avoid the fraud for you.

How can I protect my credit card online?

There are multiple ways you can protect your credit card online. First, keep your account number private your information current. It is a good idea to sign up for fraud alerts using your cell phone number or email address, so make sure your banks have your correct and up-to-date information. When shopping online, go to the sites with https in their web addresses. Also, secure your devices and networks such as equipping your computer with a firewall or installing security software.

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