paylo.hk香港信用卡比較平台
Hong Kong credit card rankings · 4 cards · verified 2026-10-22

Best Welcome Offers

Current sign-up offers ranked by verified value, each with its official deadline and minimum-spend requirement. Ranked #1 right now: Hang Seng Bank Hang Seng Prestige World Mastercard (Offer HK$700). 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 Prestige World MastercardHang Seng Prestige World Mastercard 信用卡官方卡面
    Hang Seng Bank
    Hang Seng Prestige World Mastercard
    Offer HK$700Annual fee: No annual fee
    Details
  2. 2
    HSBC Hong KongHSBC easy Credit CardHSBC easy Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC easy Credit Card
    Offer HK$600Annual fee: HK$1,800 (waivable)
    Details
  3. 3
    HSBC Hong KongHSBC Visa Gold CardHSBC Visa Gold Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC Visa Gold Card
    Offer HK$600Annual fee: HK$600 (waivable)
    Details
  4. 4
    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
    Offer HK$600Annual fee: HK$300 (waivable)
    Details

Compare the leaders

Hang Seng Prestige World Mastercard vs HSBC easy Credit CardHang Seng Prestige World Mastercard vs HSBC Visa Gold Card

FAQ

Which is the best welcome offers in Hong Kong right now?
Based on verified issuer data, Hang Seng Bank Hang Seng Prestige World Mastercard ranks #1 (Offer HK$700). 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.