Hong Kong credit cards · verified 2026-09-10 · 中文版
Best credit cards in Hong Kong, ranked from verified data
32 cards from 7 issuers, 19live 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.
32verified cards
7issuers
19live welcome offers
Rankings
Best Cash-back Credit Cards
#1 HSBC Hong Kong HSBC UnionPay Dual Currency Card · Up to 2.4%
Best Miles Credit Cards
#1 Dah Sing Bank Dah Sing British Airways Platinum Card · HK$3 = 1 mile
No-Annual-Fee Credit Cards
#1 Citibank Hong Kong Citi The Club Credit Card · No annual fee
Best Welcome Offers
#1 Citibank Hong Kong Citi PremierMiles Card · Offer HK$2,000
Best Dining Credit Cards
#1 Hang Seng Bank Hang Seng Travel+ Visa Signature Card · Dining 5%
Best Online Shopping Credit Cards
#1 Bank of China Hong Kong BOC Chill Card · Online 5%
Best Overseas Spending Credit Cards
#1 Hang Seng Bank Hang Seng Travel+ Visa Signature Card · Overseas 5%
Best Supermarket Credit Cards
#1 Citibank Hong Kong Citi The Club Credit Card · Groceries 4%
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 Premier Mastercard · Income HK$1000k
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 32 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.