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

Best Welcome Offers

Current sign-up offers ranked by verified value, each with its official deadline and minimum-spend requirement. Ranked #1 right now: Citibank Hong Kong Citi PremierMiles Card (Offer HK$2,000). 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
    Citibank Hong KongCiti PremierMiles CardCiti PremierMiles Card 信用卡官方卡面
    Citibank Hong Kong
    Citi PremierMiles Card
    Offer HK$2,000Annual fee: HK$1,800 (waivable)
    Details
  2. 2
    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
    Offer HK$2,000Annual fee: No annual fee
    Details
  3. 3
    Dah Sing BankDah Sing MyAuto Credit CardDah Sing MyAuto Credit Card 信用卡官方卡面
    Dah Sing Bank
    Dah Sing MyAuto Credit Card
    Offer HK$1,536Annual fee: HK$1,800 (waivable)
    Details
  4. 4
    Citibank Hong KongCiti Cash Back CardCiti Cash Back Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Cash Back Card
    Offer HK$1,200Annual fee: HK$1,800 (waivable)
    Details
  5. 5
    Citibank Hong KongCiti Rewards CardCiti Rewards Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Rewards Card
    Offer HK$1,200Annual fee: HK$1,800 (waivable)
    Details
  6. 6
    Citibank Hong KongCiti HKTVmall CardCiti HKTVmall Card 信用卡官方卡面
    Citibank Hong Kong
    Citi HKTVmall Card
    Offer HK$1,000Annual fee: HK$1,800 (waivable)
    Details
  7. 7
    HSBC Hong KongHSBC Premier MastercardHSBC Premier Mastercard 信用卡官方卡面
    HSBC Hong Kong
    HSBC Premier Mastercard
    Offer HK$800Annual fee: No annual fee
    Details
  8. 8
    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$700Annual fee: HK$1,800 (waivable)
    Details
  9. 9
    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
    Offer HK$700Annual fee: No annual fee
    Details
  10. 10
    Hang Seng BankHang Seng enJoy Visa Platinum CardHang Seng enJoy Visa Platinum Card 信用卡官方卡面
    Hang Seng Bank
    Hang Seng enJoy Visa Platinum Card
    Offer HK$700Annual fee: No annual fee
    Details

FAQ

Which is the best welcome offers in Hong Kong right now?
Based on verified issuer data, Citibank Hong Kong Citi PremierMiles Card ranks #1 (Offer HK$2,000). 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.