Looking for the best Credit Cards in Hong Kong? We have compared 15 Credit Cards from top banks in Hong Kong to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in Hong Kong (2026)
1. BOC HK Cheers Card
Bank: Bank of China HK
- Interest Rate: 2.92% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Everyday cashback card offering up to 10% cashback at designated merchants and 0.4% on all spending.
2. BOC HK Visa Gold
Bank: Bank of China HK
- Interest Rate: 2.92% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Mid-tier card with travel insurance, purchase protection, and BOC rewards earning.
3. BOC HK Visa Infinite
Bank: Bank of China HK
- Interest Rate: 2.92% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with unlimited lounge access, comprehensive travel insurance, and BOC rewards.
4. AT&T Points Plus Card (Citi)
Bank: Citibank
- Annual Fee: No Annual Fee
- Rewards: Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
- Benefits: Digital Wallet, Entertainment Benefits, Interest Free Days, Internet Banking
With the AT&T Points Plus Card from Citi, you can make every day count. Earn up to $240 back toward your qualifying AT&T wireless bills every year after eligible spend. Plus, you’ll earn ThankYou®
5. Business Credit Card
Bank: Citibank
- Cashback: 4% on eligible gas and EV charging worldwide, including gas and EV charging at Costco, for the first $7,000 per year and then 1% thereafter, 3% on restaurants and eligible travel purchases wo
- Benefits: Digital Wallet, Entertainment Benefits, Interest Free Days
Earn Costco cash back rewards on all of your business spending with the Costco Anywhere Visa® Business Card by Citi. Receive 4% cash back on eligible gas for the first $7,000 per year, 3% cash back o
6. Business Platinum Mastercard
Bank: Citibank
- Annual Fee: $99 (Fee waived for the first 12 months)
- Benefits: Interest Free Days
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card Business travel just got better. With the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you'll earn AAdvantage
7. Citi Cashback Plus Mastercard
Bank: Citibank
- Annual Fee: S$192.60 (1st year waived)
- Interest Rate: 1.5% - 25.9% p.a.
- Salary/Eligibility: No
- Rewards: 1.6% unlimited cashback
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Digital Wallet, Entertainment Benefits, Global Acceptance
The Citi Cashback+ Mastercard offers 1.6% unlimited cashback on all spending categories with no minimum spend and no cap. It is one of the simplest and most rewarding flat-rate cashback cards in Singa
8. Citi Custom CashSM Card
Bank: Citibank
- Annual Fee: No annual fee
- Cashback: Earn 5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent, Earn 5% cash back on your highest eligible spend category each billing cycle up to $50
- Benefits: Digital Wallet, Entertainment Benefits, Global Acceptance, Interest Free Days
Earn and redeem rewards with a card that adapts to fit your life. With the Citi Custom CashSM Card, earn extra cash back in the eligible category you spend the most in each billing cycle. Plus, you ca
9. Citi Double Cash Credit Card
Bank: Citibank
- Annual Fee: AED 200/year (excl. VAT)
- Cashback: Earn 2% on purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases
- Rewards: 2% cashback on purchases
- Benefits: Digital Wallet, Entertainment Benefits, Global Acceptance, Interest Free Days
Earn 2% on purchases, with 1% cash back when you buy, plus an additional 1% as you pay. There are no caps on the cash back you can earn, no categories to track, and your rewards can be redeemed for a
10. Citi HK Cash Back
Bank: Citibank
- Interest Rate: 2.92% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Flat 2% cashback on all local spending with no cap and no minimum spending requirement.
11. Citi HK PremierMiles
Bank: Citibank
- Interest Rate: 2.92% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Travel card earning miles on every purchase, redeemable for 12 airline programs with lounge access.
12. Citi HK Rewards
Bank: Citibank
- Interest Rate: 2.92% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Points-earning card with 3x points on dining, entertainment, and hotels, redeemable for Asia Miles.
13. Citi PremierMiles Visa Card
Bank: Citibank
- Annual Fee: S$192.60 (1st year waived)
- Interest Rate: 1.5% - 25.9% p.a.
- Salary/Eligibility: No
- Rewards: 2 miles per S$1 overseas
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
The Citi PremierMiles Visa Card is a top-tier miles card offering 2 miles per S$1 on overseas spending and 1.2 miles per S$1 on local spending. Miles never expire and can be transferred to over 30 air
14. Citi Premier® Credit Card
Bank: Citibank
- Annual Fee: AED 500/year
- Rewards: 3X points on dining, grocery, gas. 1X on everything else.
- Benefits: Digital Wallet, Interest Free Days
With the Citi Premier® Card enjoy rich rewards on dining, groceries, travel and more. You will earn 3X ThankYou® Points on restaurants, supermarkets, gas stations, air travel, hotels and 1X ThankYou
15. Citi Prestige Mastercard
Bank: Citibank
- Annual Fee: S$535
- Interest Rate: 1.5% - 25.9% p.a.
- Salary/Eligibility: No
- Rewards: 2 miles per S$1 all spending
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
The Citi Prestige Mastercard is an ultra-premium card offering unlimited airport lounge access, a complimentary night at any hotel when booking 4+ nights, and up to 2 miles per S$1 on all spending. An
How to Choose a 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
- Regulation — all products listed are from banks regulated by HKMA
Frequently Asked Questions
What is the best Credit Card in Hong Kong for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Hong Kong now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Hong Kong?
Besides cards, popular payment methods include Octopus, FPS.
Compare all Credit Cards in Hong Kong →
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How We Compare Best Credit Cards in Hong Kong 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Hong Kong. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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