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Hong Kong credit card rankings · 10 cards · verified 2026-09-10

Best Overseas Spending Credit Cards

Best rebates on overseas and foreign-currency spending — check FX fees before you travel. Ranked #1 right now: Hang Seng Bank Hang Seng Travel+ Visa Signature Card (Overseas 5%). 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
    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
    Overseas 5%Annual fee: No annual fee
    Details
  2. 2
    Bank of East AsiaBEA SupremeGold World MastercardBEA SupremeGold World Mastercard 信用卡官方卡面
    Bank of East Asia
    BEA SupremeGold World Mastercard
    Overseas 5%Annual fee: HK$1,800 (waivable)
    Details
  3. 3
    Bank of China Hong KongBOC Chill CardBOC Chill Card 信用卡官方卡面
    Bank of China Hong Kong
    BOC Chill Card
    Overseas 5%Annual fee: HK$3,800 (waivable)
    Details
  4. 4
    Citibank Hong KongCiti PremierMiles CardCiti PremierMiles Card 信用卡官方卡面
    Citibank Hong Kong
    Citi PremierMiles Card
    Overseas 4.33%Annual fee: HK$1,800 (waivable)
    Details
  5. 5
    Dah Sing BankDah Sing British Airways Platinum CardDah Sing British Airways Platinum Card 信用卡官方卡面
    Dah Sing Bank
    Dah Sing British Airways Platinum Card
    Overseas 3.25%Annual fee: HK$1,800 (waivable)
    Details
  6. 6
    Bank of China Hong KongBOC Cheers CardBOC Cheers Card 信用卡官方卡面
    Bank of China Hong Kong
    BOC Cheers Card
    Overseas 3.2%Annual fee: HK$2,000 (waivable)
    Details
  7. 7
    Citibank Hong KongCiti Rewards Card (UnionPay)Citi Rewards Card (UnionPay) 信用卡官方卡面
    Citibank Hong Kong
    Citi Rewards Card (UnionPay)
    Overseas 3%Annual fee: HK$1,800 (waivable)
    Details
  8. 8
    Citibank Hong KongCiti Rewards CardCiti Rewards Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Rewards Card
    Overseas 3%Annual fee: HK$1,800 (waivable)
    Details
  9. 9
    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
    Overseas 2.4%Annual fee: HK$300 (waivable)
    Details
  10. 10
    HSBC Hong KongHSBC Premier MastercardHSBC Premier Mastercard 信用卡官方卡面
    HSBC Hong Kong
    HSBC Premier Mastercard
    Overseas 2.4%Annual fee: No annual fee
    Details

FAQ

Which is the best overseas spending credit cards in Hong Kong right now?
Based on verified issuer data, Hang Seng Bank Hang Seng Travel+ Visa Signature Card ranks #1 (Overseas 5%). 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.
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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.