paylo.hk香港信用卡比較平台
Hong Kong credit card rankings · 6 cards · verified 2026-08-04

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. 1
    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
    Top rate 2.4%Annual fee: HK$300 (waivable)
    Details
  2. 2
    HSBC Hong KongHSBC Pulse UnionPay Dual Currency Diamond Credit CardHSBC Pulse UnionPay Dual Currency Diamond Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC Pulse UnionPay Dual Currency Diamond Credit Card
    Top rate 4.4%Annual fee: HK$1,800 (waivable)
    Details
  3. 3
    Bank of China Hong KongBOC Dual Currency Card (中銀Go卡 / 前稱中銀銀聯雙幣卡)BOC Dual Currency Card (中銀Go卡 / 前稱中銀銀聯雙幣卡) 信用卡官方卡面
    Bank of China Hong Kong
    BOC Dual Currency Card (中銀Go卡 / 前稱中銀銀聯雙幣卡)
    Top rate 5%Annual fee: No annual fee
    Details
  4. 4
    Bank of China Hong KongBOC GO CardBOC GO Card 信用卡官方卡面
    Bank of China Hong Kong
    BOC GO Card
    Top rate 5%Annual fee: No annual fee
    Details
  5. 5
    Hang Seng BankHang Seng Platinum CardHang Seng Platinum Card 信用卡官方卡面
    Hang Seng Bank
    Hang Seng Platinum Card
    Top rate 0.4%Annual fee: No annual fee
    Details
  6. 6
    Bank of China Hong KongBOC i-card (Virtual Card)BOC i-card (Virtual Card) 信用卡官方卡面
    Bank of China Hong Kong
    BOC i-card (Virtual Card)
    Top rate 0.4%Annual fee: No annual fee
    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: 2026-08-04.
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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.