,

Top 6 Credit Cards in Hong Kong for First-Timers

Best Credit Cards for First-Timers in Hong Kong 2017

Hong Kong is home to a lot of shopping districts, fine-dining, and sight-seeing activities. The expenses you accumulating should be the least of your worries when you’re out and about enjoying the city.

Districts such as Kowloon offer a lot of clothing boutiques and a taste of Hong Kong cuisine that should be tried at least once! Your purchases should be a lot more rewarding than just acquiring additional items or services, regardless of the amount you spend.

That is why choosing a credit card is important, more so when it is your first time choosing one! As a first-timer, you should be smart about picking your credit card and what it entails, that is why we have a list below of the top credit cards that would be suitable for you!

Credit Card Best For:
Hang Seng Platinum Card Dining
Public Bank Hong Kong Credit Card Overseas spending
Standard Chartered WorldMiles Asia Miles
Citibank PremierMiles Credit Card Traveling
Citibank American Express Card Cash Back
CCB Eye Credit Card Online Shopping
    1. Hang Seng Platinum Card

Best for: Dining

If you are the type of person who frequents dining-in and to taste what Hong Kong has to offer, then you would fit right in with the Hang Seng Platinum Card.

When you sign up for this card you can earn up to 20% discount at selected restaurants in the likes of Island Shangri-La, Hong Kong, JW Marriott Hotel Hong Kong, and many more!

Other Benefits:

      • HK$250 = HK$1 Cash Rebate on all transactions
      • Hotel Dining Privileges
      • Rewards program with Merchants Rewards
      • HK$0.9 per liter Cash Rebate on gasoline
      • Interest-free installment up to 24 months
      • Cash rebate when purchasing gasoline at Caltex
      • 2x Cash dollars for spending at Caltex gasoline
      1. Public Bank Hong Kong Credit Card

Best for: Overseas spending

As a welcome gift, you get HK$300 free spending credit. They provide assistance wherever you are, especially when dealing with financial services, so you don’t have to worry while shopping overseas!

Benefits:

      • Cash rebate up to 0.6%
      • Octopus Automatic Add-Value Service (for when your Octopus card has insufficient value)
      • 24-hour Global Assist Service
      • Free net banking service
      • Permanent annual fee waiver
      • Overseas spending bank charge waiver
      1. Standard Chartered WorldMiles

Best for: Asia Miles

Travelling is expensive, so why not make the most out of it while shopping? This card has the best miles system for every transaction you make locally or internationally.

Benefits:

      • HK$6 = 1 Mile (15 Points) for local spending
      • HK$4 = 1 Mile (15 Points) for overseas spending
      • Exclusive offers from Amex SELECTS
      • Handling fee refund for mileage redemption
      1. CitiBank Premier Miles Credit Card

Best for: Travelers

Those who love travelling will get a welcome offer, complimentary access to a lounge, and travel insurance, as well as bonus Asia miles for every transaction you make.

You have a choice of two welcoming gifts:

      • American Tourister Bon Air (Retail Price of HK$1,659)
      • 216,000 points redeemable for 2 sets of round-trip ticket to Taipei

Benefits:

      • Free travel insurance
      • Complimentary access to Hong Kong International Airport Plaza Premium (four times a year)
      • Asia miles on both overseas and local transactions
      • Annual fee waiver (minimum of $100,000 spent every year)
      1. Citibank American Express Card/a>

Best for: Cashback

Are you the kind of thrifty person who just wants to get back his cash? Then AmEx is the right card for you!

Other Benefits:

      • 1% cash rebate at other designated merchants
      • 2 % cash rebate on dining purchases
      • No registration required – straight to your credit account
      • Global Assist – Assistance Hotline
      • First year annual fee waiver
      • Welcome offer of up to HK$800 cash coupon
      1. CCB Eye Credit Card

Best for: Online spending

Unapologetically, they are straight to the point when CCB says they are targeting people who love online shopping. The ultimate card when it comes to rewarding you for online transactions!

Benefits:

      • 5X Bonus Points Reward Program
      • Visa payWave function
      • 5X Bonus points using Visa payWave
      • No annual fee

Final Thoughts Be Smart as a First-timer!

Acquiring the right card for you will reap you the most benefits, take a look at what they offer and what you do to see if you will be able to take advantage of the offers and promos they are willing to give. Your lifestyle dictates what kind of card you need, so choose wisely!

For already veteran credit card users, do you have any other tips on picking a credit card as a beginner? Comment below your suggestions!

Leave a Reply

Your email address will not be published. Required fields are marked *