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Hong Kong credit card rankings · 10 cards · verified 2026-08-04

No-Annual-Fee Credit Cards

Cards that are free for life or have an official waiver route — rankings never assume a conditional waiver succeeds. Ranked #1 right now: HSBC Hong Kong HSBC EveryMile Credit Card (HK$2,000 (waivable)). 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
    HSBC Hong KongHSBC EveryMile Credit CardHSBC EveryMile Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC EveryMile Credit Card
    HK$2,000 (waivable)Annual fee: HK$2,000 (waivable)
    Details
  2. 2
    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
    No annual feeAnnual fee: No annual fee
    Details
  3. 3
    Hang Seng BankHang Seng Travel+ Visa Signature CardHang Seng Travel+ Visa Signature Card 信用卡官方卡面
    Hang Seng Bank
    Hang Seng Travel+ Visa Signature Card
    No annual feeAnnual fee: No annual fee
    Details
  4. 4
    HSBC Hong Kong滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students)滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students) 信用卡官方卡面
    HSBC Hong Kong
    滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students)
    No annual feeAnnual fee: No annual fee
    Details
  5. 5
    Hang Seng BankHang Seng MMPOWER World MastercardHang Seng MMPOWER World Mastercard 信用卡官方卡面
    Hang Seng Bank
    Hang Seng MMPOWER World Mastercard
    No annual feeAnnual fee: No annual fee
    Details
  6. 6
    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
    HK$300 (waivable)Annual fee: HK$300 (waivable)
    Details
  7. 7
    Standard Chartered Hong KongStandard Chartered Smart Credit CardStandard Chartered Smart Credit Card 信用卡官方卡面
    Standard Chartered Hong Kong
    Standard Chartered Smart Credit Card
    No annual feeAnnual fee: No annual fee
    Details
  8. 8
    HSBC Hong KongHSBC Visa Signature CardHSBC Visa Signature Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC Visa Signature Card
    HK$2,000 (waivable)Annual fee: HK$2,000 (waivable)
    Details
  9. 9
    Standard Chartered Hong KongStandard Chartered Cathay MastercardStandard Chartered Cathay Mastercard 信用卡官方卡面
    Standard Chartered Hong Kong
    Standard Chartered Cathay Mastercard
    HK$2,000 (waivable)Annual fee: HK$2,000 (waivable)
    Details
  10. 10
    Dah Sing BankDah Sing VIP Banking Visa Infinite CardDah Sing VIP Banking Visa Infinite Card 信用卡官方卡面
    Dah Sing Bank
    Dah Sing VIP Banking Visa Infinite Card
    HK$1,800 (waivable)Annual fee: HK$1,800 (waivable)
    Details

FAQ

Which is the best no-annual-fee credit cards in Hong Kong right now?
Based on verified issuer data, HSBC Hong Kong HSBC EveryMile Credit Card ranks #1 (HK$2,000 (waivable)). 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: 2026-08-04.
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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.