Hong Kong credit card rankings · 3 cards · verified 2026-09-10

UnionPay Credit Cards

Hong Kong cards on the UnionPay network — dual-currency settlement for mainland China spending. Ranked #1 right now: HSBC Hong Kong HSBC UnionPay Dual Currency Card (Top rate 2.4%). 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
HSBC Hong KongHSBC UnionPay Dual Currency Card
HSBC Hong Kong
HSBC UnionPay Dual Currency Card
Top rate 2.4%Annual fee: HK$300 (waivable)
Details
2
Bank of China Hong KongBOC i-card (Virtual Card)
Bank of China Hong Kong
BOC i-card (Virtual Card)
Top rate 0.4%Annual fee: No annual fee
Details
3
Citibank Hong KongCiti Rewards Card (UnionPay)
Citibank Hong Kong
Citi Rewards Card (UnionPay)
Top rate 3%Annual fee: HK$1,800 (waivable)
Details

FAQ

Which is the best unionpay credit cards in Hong Kong right now?

Based on verified issuer data, HSBC Hong Kong HSBC UnionPay Dual Currency Card ranks #1 (Top rate 2.4%). 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.