Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Hong Kong in 2026? We compared 15 credit cards from top banks in Hong Kong to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Hong Kong Monetary Authority (HKMA).
Quick Comparison: All 15 Credit cards in Hong Kong
Side-by-side comparison of every credit card option in Hong Kong as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. BOC HK Cheers Card | Bank of China HK | 2.92% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 2. BOC HK Visa Gold | Bank of China HK | 2.92% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 3. BOC HK Visa Infinite | Bank of China HK | 2.92% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 4. AT&T Points Plus Card (Citi) | Citibank | — | Digital Wallet, Entertainment Benefits, Interest Fre… | View → |
| 5. Business Credit Card | Citibank | — | Digital Wallet, Entertainment Benefits, Interest Fre… | View → |
| 6. Business Platinum Mastercard | Citibank | — | Interest Free Days | View → |
| 7. Citi Cashback Plus Mastercard | Citibank | 1.5% - 25.9% p.a. | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
| 8. Citi Custom CashSM Card | Citibank | — | Digital Wallet, Entertainment Benefits, Global Accep… | View → |
| 9. Citi Double Cash Credit Card | Citibank | — | Digital Wallet, Entertainment Benefits, Global Accep… | View → |
| 10. Citi HK Cash Back | Citibank | 2.92% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 11. Citi HK PremierMiles | Citibank | 2.92% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 12. Citi HK Rewards | Citibank | 2.92% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 13. Citi PremierMiles Visa Card | Citibank | 1.5% - 25.9% p.a. | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 14. Citi Premier® Credit Card | Citibank | — | Digital Wallet, Interest Free Days | View → |
| 15. Citi Prestige Mastercard | Citibank | 1.5% - 25.9% p.a. | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
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
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 — all products listed are from banks regulated by Hong Kong Monetary Authority (HKMA)
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 all 15 options on this page.
What credit score do I need for a credit card in Hong Kong?
Most banks in Hong Kong require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by Hong Kong Monetary Authority (HKMA). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Hong Kong?
Fees vary by tier and bank: classic cards typically HK$ 0–1,500/year, gold HK$ 1,500–3,000, platinum HK$ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically HK$ 500–2,000), 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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