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: Standard Chartered Hong Kong Standard Chartered Cathay Mastercard (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.
- 1Standard Chartered Hong KongStandard Chartered Cathay Mastercard
DetailsStandard Chartered Hong KongStandard Chartered Cathay MastercardHK$2,000 (waivable)Annual fee: HK$2,000 (waivable) - 2Dah Sing BankDah Sing British Airways Platinum Card
DetailsDah Sing BankDah Sing British Airways Platinum CardHK$1,800 (waivable)Annual fee: HK$1,800 (waivable) - 3HSBC Hong KongHSBC EveryMile Credit CardDetails
- 4Citibank Hong KongCiti The Club Credit CardDetails
- 5Hang Seng BankHang Seng enJoy Visa Platinum CardDetails
- 6Hang Seng BankHang Seng Prestige World MastercardDetails
- 7Hang Seng BankHang Seng Travel+ Visa Signature CardDetails
- 8Dah Sing BankDah Sing ANA World MastercardDetails
- 9Dah Sing BankDah Sing United MileagePlus World Mastercard
DetailsDah Sing BankDah Sing United MileagePlus World MastercardHK$2,000 (waivable)Annual fee: HK$2,000 (waivable) - 10HSBC Hong KongHSBC UnionPay Dual Currency CardDetails
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FAQ
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.