Chong Hing Mastercard

Chong Hing Mastercard

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Chong Hing Bank · MASTERCARD

The Chong Hing Mastercard is a credit card from Chong Hing Bank on the Mastercard network. It has an annual fee of HK$300. It earns 0.50% on everything else. The welcome offer is Up to 80,000 bonus points, or a 9-month interest-free instalment loan of up to HK$60,000, for new customers who open both a UnionPay card and a Mastercard.

Verified 8 Oct 2026

Key facts

Annual fee
HK$300
Purchase APR
35.9% APR
Foreign transaction fee
1.95%
Network
MASTERCARD
Welcome offer
Up to 80,000 bonus points, or a 9-month interest-free instalment loan of up to HK$60,000, for new customers who open both a UnionPay card and a Mastercard

Reward rates by category

Reward rates for the Chong Hing Mastercard by spending category
CategoryRateDetail
Everything else0.50%1 Point-to-Gift bonus point per HK$1 (40,000 points are worth HK$200 in gifts)

Benefits and perks

  • Octopus automatic add value.

Questions about the Chong Hing Mastercard

What is the annual fee on the Chong Hing Mastercard?

The Chong Hing Mastercard has an annual fee of HK$300.

What rewards does the Chong Hing Mastercard earn?

The Chong Hing Mastercard earns 0.50% on everything else.

Is the Chong Hing Mastercard worth it?

The Chong Hing Mastercard is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.

Community

Approval and real earn reports from cardholders are coming to this page soon.

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