Best Credit Card Welcome Offers Promotion in Hong Kong

Find the best deals from credit cards with amazing welcome gifts in Hong Kong. Enjoy all kinds of credit card offers, from travel, dining to shopping! Read More
We found 59 Credit Cards for you!
Standard Chartered Smart Card
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
HK$2,798

【MoneySmart Exclusive: Rewards up to HK$2,798💰】
From now until 2 January 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998) or OSIM  uCozy V  V Neck & Shoulder Massager (Value: HK$1,780) or Rollink Flex (VEGA II) Collapsible Carry-On Suitcase (21inch) (Value: HK$1,299) or HK$700 Deliveroo Voucher + 12-month Deliveroo Plus Silver Membership Package (Value: HK$1,426) or HK$800 Apple Store Gift Card or HK$800 PARKnSHOP supermarket vouchers or HK$800 HKTVmall e-Vouchers.

Valid until 02 Jan 2025 - See more details below
Apply Now
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
33,250 miles + HKD200 voucher+HKD726 Deliveroo Plus Silver membership + Cash Voucher

December Limited Offer: Get an extra HKD 200 voucher and HKD726 Deliveroo Plus Silver membership + Cash Voucher just for you!
⭐️Reward you with 33,250 miles🛩 New customers can enjoy up to 25,000 miles (redeemable for a round-trip ticket to Japan 🇯🇵) During the promotional period, spend a specified amount for each transaction to receive an additional 8,250 miles 🛩  Additionally, MoneySmart will reward you an exclusive HKD200 Apple Store gift card / ParknShop cash voucher / Trip.com electronic voucher+Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) Total value over HKD5,082💰
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📣“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 Dec 2024 - See more details below
Apply Now
AEON CARD WAKUWAKU
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%

【Limited Time Offer】From now until 31 December 2024, new customers who successfully apply for the AEON CARD WAKUWAKU via MoneySmart with the required documents submitted, can exclusively enjoy extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / Klook / HKTVmall etc). Alternatively, you can convert them into HK$133 cash and cash out directly!💰 Click here to explore limitless possibilities (T&C applied)!
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By December 31, 2024, apply for the Product Name through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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New AEON Customers successfully applied AEON CARD WAKUWAKU through “AEON HK” Mobile App and input the welcome offer code “MSWAKU” to enjoy an extra HK$133 cash rebate (Offer by AEON) and up to 16% cash rebate + HK$400 cash rebate! Enjoy a year-round 6% cash rebate on online spending! Earn 3% cash rebate on purchases in Japan and enjoy waived transaction fees on foreign currency transactions (except charges imposed by Cards Associations)!

Valid until 31 Dec 2024 - See more details below
Apply Now
DBS Black World Mastercard
MoneySmart Exclusive
Redeem various mileage points without any fee
Min. Annual Salary
HK$240,000
Welcome Offer
Up to 42,000 miles
Upon meeting local and overseas spending goal*
HK$3/Mile

🔥 FINAL CALL: Up to HK$2,599 Rewards with ZERO Costs – Ends 31 Dec!
From now until 31 Dec 2024, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy Rollink Flex 360° Int'l Carry-On Spinner Suitcase (21-inch) (Value: HK$2,599)/ De'Longhi Dedica Style Series Pump-driven Espresso Coffee Machine (Value: HK$2,168)/ Beyerdynamic AMIRON 100 True Wireless with Active Noise Cancellation (Value: HK$1,999)/ HK$1,000 Apple Store Gift Card or PARKnSHOP Supermarket Voucher. You can also earn extra 42,000 miles of the bank welcome offer at the same time! Act now, don't let this chance slip away!
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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!

Valid until 31 Dec 2024 - See more details below
Apply Now
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack
Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
HKD3,398 and 6,250 miles + 12-Month Deliveroo Membership and Cash Voucher

⭐️ Unlimited Cashback ♾️ New customers enjoy rewards of up to HKD3,398 and 6,250 miles by successfully opening an account with the promo code 'MSNYR' and spending a minimum of HKD 15,000.
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【📣 New credit card spending experience: Switch between CashBack and miles rewards with one click!】
In addition to the “best-in-town” unlimited 2% CashBack^, the new features of the Mox credit card allow you to switch between CashBack and Asia Miles rewards, putting you in control of your spending rewards! 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%) Apply now to enjoy additiona 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726)!
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Use the promo code "MSNYR" to open an account and earn the MoneySmart exclusive offer of BERMAS 30' Suitcase (Value: HKD3,398)/ De'Longhi Dedica Style Series Pump-driven Espresso Coffee Machine(EC685) (Value: HKD2,168) / Sennheiser ACCENTUM True Wireless earbuds (Value: HKD1,750)/ HKD1,200 Apple Store GIft Card /ParkNShop vouchers/ HKTVmall vouchers!

Valid until 31 Dec 2024 - See more details below
Apply Now
Standard Chartered Cathay Mastercard
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
60,000 miles

【 ✈️ Travel with CX Card & Jollying Pebble Suitcase! 🧳】
From now until 2 January 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580) or POLAROID Go Instant Camera (Value: HK$999) or Jollying Pebble 20" Foldable Suitcase (Value: HK$899) or HK$800 Deliveroo Voucher + 12-month Deliveroo Plus Silver Membership Package (Value: HK$1,526) or HK$900 Apple Store Gift Card or HK$900 PARKnSHOP supermarket vouchers or HK$900 HKTVmall e-Vouchers.

Valid until 02 Jan 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 December 31, 2024, 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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【Limited Online Flash Welcome Offer】
From now to 31 December 2024, Register and apply online for an eligible HSBC Credit Card and complete the Registration Form to earn one of the extra welcome offers. (Choose either 1, fulfilled by HSBC)
1.KOIZUMI Ion balance hair dryer KHD-9910(Suggested retail price: HK$600)
2.KOIZUMI Negative Ions Straight Iron World-wide voltage KHS-8710 (Suggested retail price: HK$600)

Valid until 31 Dec 2024 - 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
Rebate for Shopping & Entertainment spend
3%
Miles Conversion (local spend)
As low as $1.8 = 1 Mile

【🎆 Year-End Exclusive: Up to HK$3,399 Rewards - only until the New Year!】
From now until 2 January 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS Spaceship Luggage 2.0 Suitcase (29inch) (Value: HK$3,399) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 02 Jan 2025 - See more details below
Apply Now
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%

【🎆 Year-End Exclusive: Up to HK$3,399 Rewards - only until the New Year!】
From now until 2 January 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS Spaceship Luggage 2.0 Suitcase (29inch) (Value: HK$3,399) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 02 Jan 2025 - See more details below
Apply Now
Hang Seng enJoy Card
MoneySmart Exclusive
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

【Make Every Grocery Trip Count】
From now until 31 December, 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 / HKTVmall / Klook etc) or POLAROID Now+ i-Type Instant Camera + 5 lens filters (Value : HK$1,599) from our Rewards Store. You can also top-up to redeem AirPods 4 with Active Noise Cancellation (Value: HK$1,499). 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)!

Valid until 31 Dec 2024 - See more details below
Apply Now
CNCBI Motion Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$96,000
Cash Back on Dining, Online and Foreign Currency Spending
6%
Annual Fee Wavier
First-Year

【MoneySmart Exclusive】
Customer apply for CNCBI Motion Credit Card via MoneySmart and complete accumulate spending amount of HK$100 within first 30 days to get an extra JBL Smart Speaker Link 20 (Value: HK$1,699) / Samsung Galaxy Buds FE  (Value: HK$898) / HK$600 PARKnSHOP Supermarket Vouchers / Apple Store Gift Card / HKTVmall e-Vouchers!
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【Welcome Offer】
From now till 2 January 2025, New Cardholders can enjoy Welcome Offer choose 1 from 2:
1. 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance month OR
2. HK$600 Cash Rebate with accumulated spending of HK$6,000 in the first 2 months from the card issuance month.

Valid until 31 Dec 2024 - See more details below
Apply Now
Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Miles Conversion (local spend)
0.8%
Cash back on local spend
$8 = 1 Mile

【🎆 Year-End Exclusive: Up to HK$3,399 Rewards - only until the New Year!】
From now until 2 January 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS Spaceship Luggage 2.0 Suitcase (29inch) (Value: HK$3,399) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 02 Jan 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
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$1.68 = 1 Mile
📣MoneySmart Exclusive: Elevate Your Rewards, Extend Your Journey!】
From now on until 31 December 2024, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 108,000 American Express Membership Rewards points (eqv. to 6,000 miles) upon the qualified spending of HK$7,000 within the first 3 months. Receive an extra HK$100 rebate by first top up HK$300 via iPhone or Apple Watch to your Octopus in the first 3 months.

🛫 Zoom to Japan, Korea, and Taiwan with Ample Time!
Within the FIRST 6 MONTHS,
earn HK$2=1 mile on eligible foreign currency transactions, up to 720,000 Points, enough to redeem for 40,000 miles. Plus, earn HK$4.5=1 mile on eligible local transactions, up to 432,000 Points, enough to redeem for 24,000 miles. That's a potential of up to 64,000 bonus miles! Enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid until 31 Dec 2024 - See more details below
Apply Now
The Platinum Card
MoneySmart Exclusive
Enhanced Welcome Offer
Miles Conversion (Overseas Spending)
HK$6 = 1 Mile
Miles Conversion (Local Spending)
HK$9 = 1 Mile
Discount at designated restaurants
40%
【Game-Changing ! The Ultimate Choice for High-Spending Mileage: Enjoy up to 55,555 Miles!】
From now till December 31, 2024, customers who successfully apply for the Platinum Card via MoneySmart and accumulate spending amount of $50,000 within the first 3 months, can earn up to 1,000,000 Membership Rewards points! 1,000,000 Membership Rewards points is equivalent to HK$3,333 statement credit or HK$6,666 travel credit or 55,555 air miles, which is sufficient to redeem round trip tickets to Japan for two or round trip tickets to Europe!
Valid until 31 Dec 2024 - See more details below
Apply Now
Hang Seng Travel+ Visa Signature Card
MoneySmart Exclusive
Overseas Spending up to 7% Reward
Annual Fee
Perceptual Annual Fee Waiver
+FUN Dollars Rebate on Foreign Currency Spending
Up to 7%
+FUN Dollars Rebate on Local Dining & Transportation Spending
5%

From now until 31 December 2024, apply for the Travel+ Visa Signature Card via MoneySmart, you can enjoy an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Trip.com / HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!
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【Hang Seng Credit Card FUN All Round】
Every Thursday from now till 7 January 2025, use Travel+ Visa Signature Card to redeem round-trip flight ticket from Hong Kong to Bangkok at HK$1 via hutchgo. There are also chance to share HK$1 Million local dining credits by spending with your card to enroll to the lucky draw without registration! 1 lucky draw chance will be earned automatically upon single net spending of HK$500 or above during the promotion period.

Valid until 31 Dec 2024 - See more details below
Apply Now
HSBC EveryMile Credit Card
MoneySmart Exclusive
Local and oversea spending
低至HK$2 = 1里
Minimum Annual Income
HK$240,000
Welcome Offer
Up to $1,000 RewardCash

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By December 31, 2024, apply for the EveryMile Credit Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【Limited Online Flash Welcome Offer】
From now to 31 December 2024, Register and apply online for an eligible HSBC Credit Card and complete the Registration Form to earn one of the extra welcome offers. (Choose either 1, fulfilled by HSBC)
1.KOIZUMI Ion balance hair dryer KHD-9910(Suggested retail price: HK$600)
2.KOIZUMI Negative Ions Straight Iron World-wide voltage KHS-8710 (Suggested retail price: HK$600)
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New credit card customers can enjoy up to $800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!
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【Overseas Spending Offer】From 1 July 2024 to 31 December 2024, by making eligible overseas spending using the HSBC EveryMile credit card and accumulating a net spending amount of at least HKD 8,000 per tier, you can earn as low as HKD 2 = 1 mile!

Valid until 31 Dec 2024 - See more details below
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
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

【Welcome Offer up to HK$1,050】Earn up to 5% Cashback on Travel Spending!
From now until 31 December 2024, customers who successfully apply for a designated sim credit card (sim Credit Card/ sim World Mastercard®️) via MoneySmart can earn an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (20+ brand vouchers, including Apple, HKTVmall, UBER etc). Click here to explore limitless possibilities (T&C applied)! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,120. Enjoy the total rewards of up to HK$2,069!
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【🎄Double Rewards: Up to HK$920 Cash Rebate with X'Mas Flash Offer + Mobile Payment】
1. X'mas Flash Offer: During the promotion period, use sim Credit Card/ sim World Mastercard to accumulate a specific amount on non-online spending, earn up to HK$800 CashBack.
2. Mobile Payment Rewards: Up to 10% CashBack: During the promotion period, use sim Credit Card/ sim World Mastercard to accumulate HK$2,000 or more non-online Google Pay/ Apple Pay purchases in December, can earn up to 6% CashBack on non-online Apply Pay transactions with a single net purchase amount of HK$100 or more!

Valid until 31 Dec 2024 - See more details below
Apply NowApply directly on MoneySmart
EarnMORE UnionPay Diamond Card
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
0
Cash back on overseas spend
2%
MoneySmart exclusive rewards
$200

【MoneySmart Exclusive Offer】Want to get extra $200 vouchers from MoneySmart?  From now until 31 December 2024, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store(over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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[PrimeCredit x MoneySmart] From now until December 31, new customers of PrimeCredit Credit Card who successfully applyss EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$100 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) Or  OTO Vanda 2.0 massage chair (VN-05) (Suggested price: HK$13,800) Or German Pool Smart Air Purifier Fan (EFB-426HM-SC) (Suggested price: HK$2,480) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (**Extra reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2024 - See more details below
Apply Now
sim Credit Card
MoneySmart Exclusive
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

【Welcome Offer up to HK$550】Earn up to 5% Cashback on Travel Spending!
From now until 31 December 2024, customers who successfully apply for a designated sim credit card (sim Credit Card/ sim World Mastercard®️) via MoneySmart can earn an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (20+ brand vouchers, including Apple, HKTVmall, UBER etc). Click here to explore limitless possibilities (T&C applied)! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,120. Enjoy the total rewards of up to HK$2,069!
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【🎄Double Rewards: Up to HK$1,120 Cash Rebate with X'Mas Flash Offer + Mobile Payment】
1. X'mas Flash Offer: During the promotion period, use sim Credit Card/ sim World Mastercard to accumulate a specific amount on non-online spending, earn up to HK$800 CashBack.
2. Mobile Payment Rewards: Up to 10% CashBack: During the promotion period, use sim Credit Card/ sim World Mastercard to accumulate HK$2,000 or more non-online Google Pay/ Apple Pay purchases in December, can earn up to 10% CashBack on non-online Apply Pay transactions with a single net purchase amount of HK$100 or more!

Valid until 31 Dec 2024 - See more details below
Apply NowApply directly on MoneySmart
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%

【MoneySmart Exclusive Offer】Want to get extra HK$200 vouchers from MoneySmart?  From now until 31 December 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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【PrimeCredit x MoneySmart】From now until December 31 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$100 cash rebate + Welcome offer : Osaka Round-trip Flight Tickets or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2024 - See more details below
Apply Now

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.

Credit Card Welcome Offers in Hong Kong

Credit CardWelcome OffersAnnual Salary Requirement
Citi PremierMiles CardEarn 108,000 points (equals to 9,000 miles) / Afternoon tea set for two persons at Mandarin Oriental, Hong Kong/ HK$800 Wellcome Coupons/ HK$700 Sogo Gift CertificateHK$360,000
Standard Chartered Smart CardUp to HK$1,200 Cash RebateHK$96,000
Earnmore UnionPay CardHK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment ProgramHK$0
Standard Chartered Cathay MastercardUp to 60,000 miles welcome offer Asia MilesHK$96,000
DBS Black World Mastercard Up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000milesHK$240,000
Hang Seng MMPOWER CardUp to 8 movie tickets or up to $700 Cash DollarsHK$150,000
Citi Cash Back CardAfternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift CertificateHK$240,000
CNCBI Motion Credit CardEnjoy 10% Cash Rebate on spending in foreign currencyHK$96,000

Which Credit Card has the best welcome offers?

Each credit card offers a special welcome promotion to new customers, whether it’s cash back, air miles or popular gifts like luggage, electronic devices and more, you can easily compare and find the best welcome offers with comparison in MoneySmart.

Types of credit card Welcome rewards

Cashback, air miles, coupons and gifts are the most common welcome offers, compare and select your favourite rewards before applying for a new credit card:

Cashback

Cashback credit cards offer a certain percentage of the spending amount back as rewards. Cardholders can earn extra cash rebates as welcome offers upon successful application and designated spending in the first few months.

Air Miles

Credit cards often provide a tremendous air miles welcome offer to travel lovers. Cardholders can get thousands of air miles, including Asia Miles and Avios, upon designated spending and redeem air tickets for free.

Gifts/Vouchers

Some credit cards provide welcome gifts or supermarket vouchers instead of cashback and airmiles, popular choice of welcome gifts include electronic devices and luggages.

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How to get welcome promotions from credit cards?

Most credit cards require cardholders to spend a designated amount to earn the welcome offers of your choice, take Citi Cash Back Card as an example, cardholders can earn up to HK$800 Wellcome Cash Coupon upon accumulating spending of HK$10,000 or above within the first 2 months.

Some credit cards have no minimum spending requirement, where cardholders can earn welcome offers with a special rate for eligible transactions within the first few months of card issuance, like Standard Chartered Asia Miles Credit Card, cardholders can earn Asia Miles with conversion rate as low as HK$0.2 = 1 Asia Mile.

Best Credit Card Welcome Offer Promotions in Hong Kong

Citibank Credit Card

From now until 31 July, successfully apply for Citi PremierMiles Card to enjoy up to 9,000 Miles (108,000 Points), Afternoon tea set for two persons at Mandarin Oriental, HK$800 Wellcome Cash Coupon or HK$700 Sogo Gift Certificate. For successful applicants of Citi Prestige Card, get 20,000 miles upon paying the first year annual fee.

DBS Credit Card

Earn up to 50,000 miles or Rollink Flex Suitcase + 2,000 miles for successful application of DBS Black World Mastercard. DBS COMPASS VISA applicants can enjoy up to HK$400 InstaRedeem amount, LE MAURICE Suitcase or 6 MCL movie ticket vouchers.

Standard Chartered Credit Card

Get up to 40,000 welcome Asia Miles for Standard Chartered Asia Miles Mastercard applications, and up to HK$1,100 cash rebate as a welcome offer for new Standard Chartered Simply Cash Visa Card new cardholders.

American Express Credit Card

American Express Cathay Pacific Elite Credit Card applicants can earn welcome offers up to 76,000 Asia Miles. For successful applicants of American Express Platinum Credit Card, enjoy welcome offers worth up to HK$2,960.

Hang Seng Credit Card

New credit card customers who successfully apply for a Hang Seng MPOWER Card can get up to 8 movie tickets from MCL Cinemas or up to $700 Cash Dollars as a welcome offer.

Wewa Credit Card & EarnMore Unionpay Credit Card Offers

Apply for Wewa UnionPay Credit Card for Jabra Elite Active 65t Wireless Headphones, USA meresoy Massage Gun, HK$500 Cash Rebate or Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome gift.

Besides, upon successful application for EarnMore Credit Card on or before 31 Dec, the new customer can enjoy yHK$670 cash rebate, OTO Back Snuggle, Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program as a welcome gift.

Best Credit Card Promotions Hong Kong

HSBC Credit Card Promotions

Travel promotion

  • Up to 10% Cash rebate on designated hotel bookings at Booking.com
  • Up to 60% off designated staycation packages on KKday designated website with discount codes
  • Enjoy a 30% discount on cross border limousine service
  • Dining Promotion

  • 10% off buffet at designated hotels including Royal Park Hotel, Regal Hongkong Hotel and more
  • Citibank Credit Card Promotion

    Travel promotion

  • Up to 12% off on designated hotel bookings at Expedia
  • Up to 10% cashback on Booking.com
  • 10% off selected Delsey products
  • Dining promotion

  • Complimentary drink upgrade at McCafe
  • 15% off on food and beverages at selected hotel including Conrad Hong Kong, Crowne Plaza and more
  • DBS Credit Card Promotion

    Travel promotion

  • 5% off on travel products at KLOOK
  • Up to 12% off hotel booking at Agoda
  • 5% off any inflight purchases & designated seat selection at HK Express
  • Shopping promotion

  • Up to 3% rebate at Taobao and Tmall
  • Up to 20% at ZALORA
  • Frequently Asked Questions

    Can I get my credit card welcome offer right after my application?

    It depends. After applying for credit cards, you need to fulfill the spending requirements to get welcome offers. Take HSBC Red Card as an example, you’ll need to spend $6,000+ in the first 60 days of card issuance, and use RewardCash to pay for credit card statement or transaction via the “Pay with RC” function in Reward+ to get $1,000 RewardCash welcome offer. Credit cards set limits to not only spending amounts but also spending categories. For example, HSBC credit cards don’t count online bill payments and e-wallet transactions as eligible spending. Make sure you’ve read the Terms and Conditions before swiping your credit cards! But there are some credit cards that give you welcome gifts once your application is approved. Standard Chartered Simply Cash Visa Card gives you 25% cashback for local spending in the first 2 months and up to $1,000 cashback without spending requirements.

    Are welcome offers for new customers only?

    Generally, yes. Most of the credit cards only prepare welcome offers for new customers, which means that you haven’t held or cancelled credit cards of your designated bank in the past 6-12 months. But some credit cards still give welcome offers to existing customers, but the value of the offer is lower than the new customers. HSBC Visa Signature Card is a good example: they offer up to $800 welcome gifts to new customers, but $400 welcome gifts for existing customers.

    Is there anything I need to know while applying for welcome offer credit cards?

    After getting your welcome offer, most of the banks reserve the right to charge you a handling fee and take back your welcome offer without any notice if you cancel their credit cards in 12 months of card issuance.

    When will I receive my welcome offer?

    If you fulfil the spending requirement, like BOC credit cards, they’ll credit the welcome offer directly to your credit card account in 4 to 6 weeks. But make sure your account is working, valid and under a good credit. For other banks, they have their own policies so it’s better for you to check the Terms and Conditions.

    Do I need to consider anything else apart from welcome offers?

    Yes! Welcome offers are attractive, but it’s still a one-time reward. The basic rebate rate after the introductory period should be one of your considerations. Besides that, you should find out your spending pattern. Say, dining is your main expenses, then you should pick a credit card with the most dining offers. Plus, get to know why you’re applying for a credit card, then pinpoint your expenses to get the most offers like cash back and air miles.

    Can I cancel my credit card after receiving the welcome offers?

    It varies from card to card. In general, if a cardholder cancels the card in less than 12 months from the date the card is issued, a fee which is equivalent to the value of the welcome offers/ administration fee will be charged.