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Hong Kong credit card rankings · 10 cards · verified 2026-10-22

Best Overseas Spending Credit Cards

Best rebates on overseas and foreign-currency spending — check FX fees before you travel. Ranked #1 right now: Standard Chartered Hong Kong Standard Chartered Cathay Mastercard (Overseas 3.25%). 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
    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
    Overseas 3.25%Annual fee: HK$2,000 (waivable)
    Details
  2. 2
    HSBC Hong KongHSBC EveryMile Credit CardHSBC EveryMile Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC EveryMile Credit Card
    Overseas 2.6%Annual fee: HK$2,000 (waivable)
    Details
  3. 3
    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 2.17%Annual fee: HK$1,800 (waivable)
    Details
  4. 4
    Citibank Hong KongCiti Prestige CardCiti Prestige Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Prestige Card
    Overseas 2.17%Annual fee: HK$3,800
    Details
  5. 5
    Citibank Hong KongCiti PremierMiles CardCiti PremierMiles Card 信用卡官方卡面
    Citibank Hong Kong
    Citi PremierMiles Card
    Overseas 1.63%Annual fee: HK$1,800
    Details
  6. 6
    Dah Sing BankDah Sing ANA World MastercardDah Sing ANA World Mastercard 信用卡官方卡面
    Dah Sing Bank
    Dah Sing ANA World Mastercard
    Overseas 1.5%Annual fee: HK$2,000 (waivable)
    Details
  7. 7
    Dah Sing BankDah Sing United MileagePlus World MastercardDah Sing United MileagePlus World Mastercard 信用卡官方卡面
    Dah Sing Bank
    Dah Sing United MileagePlus World Mastercard
    Overseas 1.5%Annual fee: HK$2,000 (waivable)
    Details
  8. 8
    DBS Hong KongDBS Black American Express CardDBS Black American Express Card 信用卡官方卡面
    DBS Hong Kong
    DBS Black American Express Card
    Overseas 1.2%Annual fee: HK$3,600
    Details
  9. 9
    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
    Overseas 1%Annual fee: No annual fee
    Details
  10. 10
    Dah Sing BankDah Sing ONE+ Credit CardDah Sing ONE+ Credit Card 信用卡官方卡面
    Dah Sing Bank
    Dah Sing ONE+ Credit Card
    Overseas 1%Annual fee: HK$1,800 (waivable)
    Details

Compare the leaders

Standard Chartered Cathay Mastercard vs HSBC EveryMile Credit CardStandard Chartered Cathay Mastercard vs Dah Sing British Airways Platinum Card

FAQ

Which is the best overseas spending credit cards in Hong Kong right now?
Based on verified issuer data, Standard Chartered Hong Kong Standard Chartered Cathay Mastercard ranks #1 (Overseas 3.25%). 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: 2026-10-22.
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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.