Compare credit cards by what you actually spend

• up to 10% Travel
• 4% Travel

Annual fee

HK$1,800

Purchase APR

34.49% APR

Welcome offer

10% back on foreign currency spending, renminbi included, in the first 3 months (up to HK$1,000), or HK$600 cash rebate for spending HK$6,000 within 2 months, for new customers (offer ends 31 December 2026)

Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.

• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

34.46% APR

• 0.25x Travel
• 0.17x Everything else

Annual fee

HK$1,800

Purchase APR

34.46% APR

Welcome offer

10,000 bonus Avios for new customers who spend HK$12,000 within 3 months (offer ends 31 December 2026)

• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

34.46% APR

Welcome offer

HK$500 cash rebate, or a 3-month 365 Car Wash package, for new customers who spend HK$4,000 and pay one HKeToll toll within 2 months (offer ends 31 December 2026)

• 1% Everything else

Annual fee

HK$1,800

Purchase APR

34.46% APR

Welcome offer

A limited-edition Doraemon folding umbrella or crossbody bag for new customers who spend HK$3,000 within 2 months (offer ends 31 December 2026)

• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

34.46% APR

Welcome offer

A limited-edition Hello Kitty gift, such as a gift card set worth HK$200 or a wireless charger, for new customers who spend HK$5,000 within 2 months (offer ends 31 December 2026)

• 0.50% Everything else

Annual fee

HK$1,800

Purchase APR

34.46% APR

Welcome offer

HK$300 cash rebate for new customers who spend HK$5,000 within 2 months (offer ends 31 December 2026)

• 1.50% Everything else

Annual fee

HK$1,800

Purchase APR

16.08% to 29.33% APR, set per cardholder

Welcome offer

A HK$300 SUP eVoucher for new customers who spend HK$3,000 within 2 months

• 1.50% Everything else

Annual fee

HK$1,800

Purchase APR

16.08% to 29.33% APR, set per cardholder

• 0.50% Everything else

Annual fee

HK$1,800

Purchase APR

16.08% to 29.33% APR, set per cardholder

• up to 4% Travel
• up to 2% Dining & restaurants

Annual fee

HK$1,800

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.

• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

35.6% APR

• 0.50% Everything else

Annual fee

HK$1,800

Purchase APR

35.9% APR

Welcome offer

40,000 bonus points for new customers who meet the spending terms, or up to 80,000 points (or a 9-month interest-free instalment loan of up to HK$60,000) for opening both a UnionPay card and a Mastercard

• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

35.42% APR

Welcome offer

Up to HK$700 RewardCash for new HSBC credit card customers who apply online and meet the spending requirement

• up to 0.25x Travel
• 0.13x Everything else

Annual fee

HK$1,800

Purchase APR

34.28% APR

Welcome offer

240,000 points (20,000 miles) for new customers who spend HK$5,000 within 2 months (offer ends 1 February 2027)

Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.

• 3% Shopping
• 3% Entertainment

Annual fee

HK$1,800

Purchase APR

34.28% APR

Welcome offer

HK$1,200 cash rebate and a Peninsula Hong Kong cake voucher (worth HK$538) for new customers who spend HK$5,000 within 2 months (offer ends 1 February 2027)

• 1% Online shopping

Annual fee

HK$1,800

Purchase APR

34.58% APR

Welcome offer

HK$500 cash rebate for new DBS credit card customers who spend HK$5,000 within 3 months, plus HK$100 for a Flexi Shopping instalment (offer ends 6 January 2027)

• up to 15% Transport & transit
• 0.50% Everything else

Annual fee

HK$1,800

Purchase APR

34.28% APR

Welcome offer

HK$1,800 cash rebate and a Peninsula Hong Kong cake voucher (worth HK$538) for new customers who spend HK$5,000 within 2 months (offer ends 1 February 2027)

Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.

• up to 5% Dining & restaurants
• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

35.91% APR

Welcome offer

HK$500 cash rebate for new BEA credit card customers who spend HK$5,000 within 3 months (offer ends 13 January 2027)

Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.

• 1% Everything else

Annual fee

HK$1,800

Purchase APR

34.46% APR

Welcome offer

HK$500 cash rebate for new customers who spend HK$5,000 over at least 5 transactions within 2 months (offer ends 31 December 2026)

• up to 6% Dining & restaurants
• up to 6% Online shopping
• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

34.49% APR

Welcome offer

10% back on foreign currency spending in the first 3 months (up to HK$1,000), or HK$600 cash rebate for spending HK$6,000 within 2 months, for new customers (offer ends 31 December 2026)

Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.

• 0.40% Everything else

Annual fee

HK$1,800

Purchase APR

35.42% APR

Welcome offer

Up to HK$800 RewardCash for new HSBC credit card customers who apply online and meet the spending requirement, plus HK$10 RewardCash for every HK$50 or RMB50 paid by QR code (up to HK$280) when you apply with the promo code HSBCPULSE by 31 December 2026

• 0.50% Everything else

Annual fee

HK$1,900

Purchase APR

16.08% to 29.33% APR, set per cardholder

• up to 3.20% Dining & restaurants
• up to 3.20% Travel
• 0.40% Everything else

Annual fee

HK$2,000

Purchase APR

35.7% APR

Welcome offer

150,000 Gift Points (worth HK$600) for new customers who spend HK$10,000 in the first 3 months, or 225,000 for BOC Private Wealth and Wealth Management customers (offer ends 31 December 2026)

Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.