Last updated: August 2, 2026 · Credit cards compared: 6 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Coverage note: our Hong Kong data currently comes from only 2 banks. This page is not a market-wide ranking of Hong Kong — treat it as the subset we can verify, and check other issuers directly.
Looking for a credit card in Hong Kong in 2026? These are all 6 credit cards in Hong Kong that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Hong Kong. It is the set Buzdy has verified data for, from 2 issuers, as of August 2, 2026.
Quick Comparison: 6 Credit Cards in Hong Kong
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. BOC HK Visa Infinite | Bank of China HK | Not published | 35.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 2. Hang Seng Visa Infinite | Hang Seng Bank | Not published | 35.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 3. BOC HK Visa Gold | Bank of China HK | Not published | 35.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 4. Hang Seng Visa Platinum | Hang Seng Bank | Not published | 35.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 5. BOC HK Cheers Card | Bank of China HK | Not published | 35.04% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 6. Hang Seng enJoy Card | Hang Seng Bank | Not published | 35.04% per month | Dining offers, Digital wallet, Shopping offers, Supplementary cards | View → |
The 6 Credit Cards in Detail
1. BOC HK Visa Infinite
Bank: Bank of China HK
- Annual fee: Not published
- Interest rate: 35.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with unlimited lounge access, comprehensive travel insurance, and BOC rewards.
2. Hang Seng Visa Infinite
Bank: Hang Seng Bank
- Annual fee: Not published
- Interest rate: 35.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Top-tier card with unlimited lounge access, Visa Infinite concierge, and 6.4% cashback at selected merchants.
3. BOC HK Visa Gold
Bank: Bank of China HK
- Annual fee: Not published
- Interest rate: 35.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Mid-tier card with travel insurance, purchase protection, and BOC rewards earning.
4. Hang Seng Visa Platinum
Bank: Hang Seng Bank
- Annual fee: Not published
- Interest rate: 35.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Rewards card earning Cash Dollars on all purchases with travel insurance and dining offers.
5. BOC HK Cheers Card
Bank: Bank of China HK
- Annual fee: Not published
- Interest rate: 35.04% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
Everyday cashback card offering up to 10% cashback at designated merchants and 0.4% on all spending.
6. Hang Seng enJoy Card
Bank: Hang Seng Bank
- Annual fee: Not published
- Interest rate: 35.04% per month
- Minimum income: Not published
- Verified benefits: Dining offers, Digital wallet, Shopping offers, Supplementary cards
Everyday cashback card offering up to HK$3.2 per yuu point at supermarkets, dining, and daily spending.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Hong Kong
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Hong Kong Monetary Authority (HKMA) public register before you apply
Frequently Asked Questions: Credit cards in Hong Kong
What is the best credit card in Hong Kong for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 6 products in this guide above.
What credit score do I need for a credit card in Hong Kong?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 6 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Hong Kong?
Yes, most major banks in Hong Kong now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Hong Kong is supervised by Hong Kong Monetary Authority (HKMA). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Hong Kong?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Hong Kong
- All banks in Hong Kong
- Bank branches across Hong Kong
- Credit Cards In Hong Kong 2026
- Personal Loans In Hong Kong 2026
- Savings Accounts In Hong Kong 2026
- Hong Kong EMI calculator
- Hong Kong savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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