Hong Kong credit cards · verified 2026-10-22 · 中文版
Best credit cards in Hong Kong, ranked from verified data
25 cards from 8 issuers, 4live 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.
25verified cards
8issuers
4live welcome offers
Rankings
Best Cash-back Credit Cards
#1 Hang Seng Bank Hang Seng Prestige World Mastercard · Up to 0.4%
Best Miles Credit Cards
#1 Standard Chartered Hong Kong Standard Chartered Cathay Mastercard · HK$4 = 1 mile
No-Annual-Fee Credit Cards
#1 Standard Chartered Hong Kong Standard Chartered Cathay Mastercard · HK$2,000 (waivable)
Best Welcome Offers
#1 Hang Seng Bank Hang Seng Prestige World Mastercard · Offer HK$700
Best Dining Credit Cards
#1 Standard Chartered Hong Kong Standard Chartered Cathay Mastercard · Dining 3.25%
Best Online Shopping Credit Cards
#1 HSBC Hong Kong HSBC EveryMile Credit Card · Online 2.6%
Best Overseas Spending Credit Cards
#1 Standard Chartered Hong Kong Standard Chartered Cathay Mastercard · Overseas 3.25%
Best Supermarket Credit Cards
#1 Standard Chartered Hong Kong Standard Chartered Cathay Mastercard · Groceries 2.17%
Best Transport Credit Cards
#1 Standard Chartered Hong Kong Standard Chartered Cathay Mastercard · Transport 2.17%
Best Travel Credit Cards
#1 HSBC Hong Kong HSBC EveryMile Credit Card · Travel 2.6%
UnionPay Credit Cards
#1 HSBC Hong Kong HSBC UnionPay Dual Currency Card · Top rate 0.4%
Premium Credit Cards
#1 HSBC Hong Kong HSBC EveryMile Credit Card · Income HK$240k
Low-Income & Starter Credit Cards
#1 HSBC Hong Kong HSBC UnionPay Dual Currency Card · Income HK$60k
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 25 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.