- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.02% APR
- Welcome offer
- WATAMI Group restaurant coupons for new cardholders
Verified 8 Oct 2026
Compare credit cards by what you actually spend
One catalog, every market we cover. Filter by country, card type, issuer and network, then upload a statement and let your own spending pick the card instead of a generic ranking.
All issuersAEONAmerican ExpressBank of China (Hong Kong)Bank of East AsiaCCB (Asia)China CITIC Bank InternationalChong Hing BankCitibank Hong KongCMB Wing Lung BankDah Sing BankDBS Hong KongFubon BankHang Seng BankHSBC Hong KongICBC (Asia)Mox BankOCBC Hong KongShanghai Commercial BankStandard Chartered Hong Kong
148 cards in Hong Kong
Showing 1–24
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- Up to HK$700 +FUN Dollars for new Hang Seng credit card customers who spend HK$5,000 within 60 days of getting the card; full-time students get HK$300 for HK$2,000 (offer ends 31 December 2026)
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.7% APR
- Welcome offer
- 10% cash rebate on mobile payments, up to HK$300, in the first 3 months for new BOC credit card customers (offer ends 31 December 2026)
Verified 8 Oct 2026
- up to 8% Entertainment
- up to 5% Online shopping
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- Up to HK$700 +FUN Dollars for new Hang Seng credit card customers who spend HK$5,000 within 60 days of getting the card; full-time students get HK$300 for HK$2,000 (offer ends 31 December 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 8 Oct 2026
CCB (Asia) Octopus UnionPay Dual Currency Credit Card
CCB (Asia) · UNIONPAY
No ratings yetNot yet rated
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.6% APR
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.6% APR
- Welcome offer
- HK$800 cash rebate for new customers who take an AIA premium or "Chill" instalment plan of HK$15,000 or more over 6 months or longer within 3 months
Verified 8 Oct 2026
School of Continuing and Professional Studies CUHK Credit Card
Hang Seng Bank · MASTERCARD
No ratings yetNot yet rated
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- Up to HK$700 +FUN Dollars for new Hang Seng credit card customers who spend HK$5,000 within 60 days of getting the card; full-time students get HK$300 for HK$2,000 (offer ends 31 December 2026)
Verified 8 Oct 2026
- up to 4% Online shopping
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.42% APR
- Welcome offer
- Up to HK$650 RewardCash for new HSBC credit card customers who apply with the promo code HSBCRED and spend HK$12,000 within 60 days of getting the card (offer ends 30 November 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 8 Oct 2026
- up to 5% Online shopping
- up to 3% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.6% APR
- Welcome offer
- HK$600 cash rebate for new customers who spend HK$6,000 within 2 months, or HK$800 with a "Chill" instalment plan of HK$15,000 or more over 6 months or longer within 3 months
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.42% APR
- Welcome offer
- Up to HK$300 RewardCash as a welcome gift for new cardholders
Verified 8 Oct 2026
- 0.07x Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.6% APR
- Welcome offer
- HK$800 cash rebate for new customers who take an AIA premium or "Chill" instalment plan of HK$15,000 or more over 6 months or longer within 3 months
Verified 8 Oct 2026
- up to 5% Dining & restaurants
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- Up to HK$1,200 +FUN Dollars for new Hang Seng credit card customers: HK$1,200 for HK$8,000 of dining, or HK$700 for HK$5,000 of any spend, within 60 days of getting the card (offer ends 31 December 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- Up to HK$700 +FUN Dollars for new Hang Seng credit card customers who spend HK$5,000 within 60 days of getting the card; full-time students get HK$300 for HK$2,000 (offer ends 31 December 2026)
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- Up to HK$700 +FUN Dollars for new Hang Seng credit card customers who spend HK$5,000 within 60 days of getting the card; full-time students get HK$300 for HK$2,000 (offer ends 31 December 2026)
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- Up to HK$700 +FUN Dollars for new Hang Seng credit card customers who spend HK$5,000 within 60 days of getting the card; full-time students get HK$300 for HK$2,000 (offer ends 31 December 2026)
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.6% APR
- Welcome offer
- HK$300 cash rebate for new customers who spend HK$6,000 within 2 months, or HK$800 with a "Chill" instalment plan of HK$15,000 or more over 6 months or longer within 3 months
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
Verified 8 Oct 2026
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.7% APR
- Welcome offer
- 10% cash rebate on mobile payments, up to HK$300, in the first 3 months for new BOC credit card customers (offer ends 31 December 2026)
Verified 8 Oct 2026
- up to 4% Online shopping
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.7% APR
- Welcome offer
- HK$300 cash rebate for new BOC credit card customers who spend HK$3,000 in the first 3 months (offer ends 31 December 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 8 Oct 2026
- 3% Groceries
- up to 2% Everything else
- 1% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.99% APR
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 8 Oct 2026
- up to 6% Dining & restaurants
- up to 6% Transport & transit
- 0.40% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.02% APR
- Welcome offer
- Up to HK$500 rebate for new customers who spend HK$6,000 within 60 days, plus HK$200 more for applying online
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 8 Oct 2026
- 0.07x Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.6% APR
Verified 8 Oct 2026
- 0.50% Everything else
- Annual fee
- HK$0
- Purchase APR
- 35.72% APR
- Welcome offer
- 140,000 yuu points (worth HK$700) for new Hang Seng credit card customers who link the card to yuu and spend HK$5,000 within 60 days of getting the card (offer ends 31 December 2026)
Verified 8 Oct 2026
For issuers and partners
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Tell us what you would like to feature and we will send back what is available. Placements are labelled as sponsored and sit outside the ranked list, which no issuer can pay into.
Common questions about comparing cards
How do I choose a credit card?
Choose a credit card by matching its highest reward rates to the categories you already spend most in, then subtracting the annual fee from the rewards you would realistically earn. A card paying 5% on dining is worth less than a flat 2% card if dining is a small share of your spending.
Can I compare credit cards from different countries?
Yes. Woodo keeps a separate catalog per country because credit cards are licensed and priced per market, so a card available in Singapore cannot be opened from the United States. Select a country to see the cards actually issued there.
Does comparing credit cards affect my credit score?
Comparing credit cards does not affect your credit score. Only submitting an application triggers a hard inquiry, and browsing or filtering a comparison page does not.
How does Woodo rank credit cards?
Woodo ranks credit cards by annual fee and reward coverage. No issuer can pay to move a card up the list. Most comparison sites work the other way: Bankrate and WalletHub both disclose that advertiser compensation affects the order in which cards appear in their listings.
Do credit card comparison sites get paid to rank cards higher?
Many do. Bankrate discloses that its compensation may impact the order in which products appear within listing categories, and WalletHub discloses that advertising affects the order and prevalence of offers. Woodo separates the two: the ranked list is ordered by stated consumer criteria only, and any paid placement appears in a slot labelled as sponsored, outside that list.
How current is the card data?
Every card shows the date its details were last verified against the issuer or network source. Cards whose data passes the staleness threshold stop displaying rates and fees rather than showing an outdated number.
Woodo currently tracks 1527 cards. Each is re-verified against its issuer or network source on a monthly schedule.