paylo.hk香港信用卡比較平台
Hong Kong credit card rankings · 10 cards · verified 2026-09-10

Low-Income & Starter Credit Cards

Entry-level Hong Kong cards ranked by published income requirements — no asset-gated or invite-only cards. Ranked #1 right now: Bank of East Asia BEA GOAL Credit Card (Income HK$40k). Every card shown passes a high-confidence verification and freshness gate — sources and check dates are published per card.

Computed from published rates, caps, standard fees and live offers; top rates usually carry merchant, registration or minimum-spend conditions — see each card page (中文) for the verified fine print.

  1. 1
    Bank of East AsiaBEA GOAL Credit CardBEA GOAL Credit Card 信用卡官方卡面
    Bank of East Asia
    BEA GOAL Credit Card
    Income HK$40kAnnual fee: HK$600 (waivable)
    Details
  2. 2
    HSBC Hong KongHSBC UnionPay Dual Currency CardHSBC UnionPay Dual Currency Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC UnionPay Dual Currency Card
    Income HK$60kAnnual fee: HK$300 (waivable)
    Details
  3. 3
    HSBC Hong KongHSBC Visa Gold CardHSBC Visa Gold Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC Visa Gold Card
    Income HK$60kAnnual fee: HK$600 (waivable)
    Details
  4. 4
    Citibank Hong KongCiti The Club Credit CardCiti The Club Credit Card 信用卡官方卡面
    Citibank Hong Kong
    Citi The Club Credit Card
    Income HK$120kAnnual fee: No annual fee
    Details
  5. 5
    Citibank Hong KongCiti Octopus Platinum CardCiti Octopus Platinum Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Octopus Platinum Card
    Income HK$120kAnnual fee: HK$1,800 (waivable)
    Details
  6. 6
    HSBC Hong KongHSBC Red Credit CardHSBC Red Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC Red Credit Card
    Income HK$120kAnnual fee: No annual fee
    Details
  7. 7
    Citibank Hong KongCiti PremierMiles CardCiti PremierMiles Card 信用卡官方卡面
    Citibank Hong Kong
    Citi PremierMiles Card
    Income HK$120kAnnual fee: HK$1,800 (waivable)
    Details
  8. 8
    HSBC Hong KongHSBC easy Credit CardHSBC easy Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC easy Credit Card
    Income HK$120kAnnual fee: HK$1,800 (waivable)
    Details
  9. 9
    Citibank Hong KongCiti Plus Credit CardCiti Plus Credit Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Plus Credit Card
    Income HK$120kAnnual fee: No annual fee
    Details
  10. 10
    Citibank Hong KongCiti Cash Back CardCiti Cash Back Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Cash Back Card
    Income HK$120kAnnual fee: HK$1,800 (waivable)
    Details

FAQ

Which is the best low-income & starter credit cards in Hong Kong right now?
Based on verified issuer data, Bank of East Asia BEA GOAL Credit Card ranks #1 (Income HK$40k). The best card for you depends on your own spending — the ranking uses a reference profile with all monthly and pooled caps applied.
How is this ranking computed?
From published reward rates, monthly and pooled caps, standard annual fees and live welcome offers — a reproducible calculation over verified data. Sponsorship or commissions never affect the order.
How fresh is the data?
Offers are monitored daily and every card is re-checked on a risk-based schedule; cards that fall outside the freshness window are hidden rather than shown stale. Latest verification: 2026-09-10.
Best Cash-back Credit CardsBest Miles Credit CardsNo-Annual-Fee Credit CardsBest Welcome OffersBest Dining Credit CardsBest Online Shopping Credit Cards

paylo.hk is a Hong Kong credit-card comparison site with a fail-closed publication gate: cards we cannot verify to a high confidence against official issuer sources are hidden, not guessed. Card detail pages are in Cantonese; the numbers are universal. Not a bank; always confirm terms with the issuer.