Hong Kong credit cards · verified 2026-08-04 · 中文版
Best credit cards in Hong Kong, ranked from verified data
53 cards from 12 issuers, 27live welcome offers. Every rate, fee and income requirement links to an official issuer source with a check date. Cards we can't verify to high confidence are hidden — never guessed.
53verified cards
12issuers
27live welcome offers
Rankings
Best Cash-back Credit Cards
#1 HSBC Hong Kong 滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students) · Up to 2.4%
Best Miles Credit Cards
#1 HSBC Hong Kong HSBC EveryMile Credit Card · HK$2 = 1 mile
No-Annual-Fee Credit Cards
#1 HSBC Hong Kong HSBC EveryMile Credit Card · HK$2,000 (waivable)
Best Welcome Offers
#1 Citibank Hong Kong Citi PremierMiles Card · Offer HK$2,000
Best Dining Credit Cards
#1 HSBC Hong Kong HSBC EveryMile Credit Card · Dining 6.5%
Best Online Shopping Credit Cards
#1 Hang Seng Bank Hang Seng MMPOWER World Mastercard · Online 8%
Best Overseas Spending Credit Cards
#1 Hang Seng Bank Hang Seng Travel+ Visa Signature Card · Overseas 5%
Best Supermarket Credit Cards
#1 DBS Hong Kong DBS COMPASS VISA · Groceries 8%
Best Transport Credit Cards
#1 Citibank Hong Kong Citi Octopus Platinum Card · Transport 15%
Best Travel Credit Cards
#1 Hang Seng Bank Hang Seng Travel+ Visa Signature Card · Travel 7%
UnionPay Credit Cards
#1 HSBC Hong Kong HSBC UnionPay Dual Currency Card · Top rate 2.4%
Premium Credit Cards
#1 HSBC Hong Kong HSBC EveryMile Credit Card · Income HK$240k
Low-Income & Starter Credit Cards
#1 Bank of East Asia BEA GOAL Credit Card · Income HK$40k
FAQ
What is the best credit card in Hong Kong?
It depends on where you spend. paylo.hk publishes reproducible rankings for cash back, airline miles, dining, online shopping, overseas spending and more — each computed from verified issuer rates with monthly caps applied. Start from the ranking that matches your biggest spending category.
Can I trust these rankings?
Every one of the 53 listed cards passes a high-confidence verification gate: rates, fees and income requirements trace to official issuer sources with published check dates, and cards that fail verification or go stale are hidden. Sponsorship never affects ranking order.
Are the card details available in English?
Ranking pages are in English; card detail pages are currently in Cantonese, with card names, rates and fees shown in universal figures. Machine-readable data for AI assistants is at /llms.txt.