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16 of 16 AI responses use provider evidence originally observed Oct 20, 2026, 2:57 AM to Oct 20, 2026, 3:11 AM UTC under the 24-hour free-scorecard reuse window. This report and its customer-owned assessment were assembled separately for this scan.

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  1. wise.com

    Best credit cards in Hong Kong: An overview of credit cards in HK - Wise

    Source ownership not retained

    Claude · 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong?

    Oct 20, 2026, 2:58 AM UTC

    以下按「年費好處理」和「回贈容易用」兩個條件整理。注意：多數卡的回贈有月度上限、指定商戶或最低年薪要求，數字以各銀行最新條款為準。

    1. Mox Credit（CashBack）：最易入手

    • 年費永久免收，而且沒有最低年薪要求，最適合第一張卡。（

    Mox Credit Card (CashBack) 最低年薪無要求，年費為 $0，並設永久年費豁免。 ）

    • 回贈方面，基本回贈為 1%，成為 Mox+ 客戶後可享任何消費 2% 回贈。（

    成為 Mox+ 客戶可享任何消費無上限 2% 回贈 ）另外超市消費有 3% 回贈，無上限。

    • 留意：另一份比較指 2% 需合資格結餘達 HK$250,000，否則為 1%。（

    2%（如合資格結餘達HK$250,000，否則1%） ）

    2. 渣打 Smart 信用卡：日常消費回贈直接

    • 年費永久豁免，並且沒有外幣交易手續費、預借現金手續費。（

    沒有外幣兌換手續費、沒有年費、沒有預借現金手續費 ）

    • 指定日常商戶可享最高 5% 回贈，而且不需要登記。（

    指定日常商戶最高 5% 現金回贈；不用登記，每日均可享用 ）

    • 最低年薪約 HK$96,000。（

    Standard Chartered Smart Credit Card 最低年薪要求 HK$96,000，並享永久年費豁免 ）

    • 留意：指定商戶範圍和推廣期會變，申請前宜查看最新條款。

    3. HSBC Red 信用卡：網購或指定商戶多的人適合

    • 年費永久豁免。（

    沒有年費，並設永久豁免 ）

    • 網購首 HK$10,000／月可享 4% 回贈，指定商戶首 HK$1,250／月可享 8% 回贈，超出後回贈回落至基本率。（

    網購 4%（首 $10,000／月）；指定本地及海外商戶 8%（首 $1,250／月） ）

    • 最低年薪 HK$120,000，對剛入職的上班族可能稍高。（

    HSBC Red 最低年薪門檻為 HK$120,000 ）

    • 留意：不同比較網站對其一般消費基本回贈的數字不一致，有的寫 0.4%，有的寫 1%，需以銀行條款為準。

    4. EarnMORE 銀聯卡：一般消費回贈簡單

    • 首兩年免年費；全日制大學或大專學生首五年免年費。（

    HK$800（首兩年免年費，全日制或大專學生首5年免年費） ）

    • 本地、海外及網購的基本回贈為 2%，不需登記，也沒有最低簽賬要求。（

    2%（適用於每曆年首$150,000簽賬，其後1%回贈） ）

    • 留意：2% 只適用於每年首 HK$150,000 的簽賬，之後降為 1%。

    5. sim Credit Card：高回贈但門檻較多

    • 首年免年費，之後可致電申請豁免，並且沒有收入要求。（

    網上零售及本地公共交通高達 8% 回贈，首年年費豁免；無收入要求 ）

    • 要達到高回贈須符合條件，例如同月非網購簽賬需達 HK$1,000，而且每月回贈上限為 HK$200。（

    每月總上限$200（不分類別） ）

    • 適合有固定網購或乘搭公共交通的人，若每月消費不規律，實際回贈可能不高。

    6. Citi Cash Back：有明確回贈結構，但年費要留意

    • 首年免年費，之後年費為 HK$1,800，需要致電申請豁免。（

    Citi PremierMiles 等首年年費豁免 另可參考： Citi Cash Back 年費為 HK$1,800，致電熱線申請豁免 ）

    • 本地餐飲、酒店及海外消費可享 2% 無上限回贈，其他本地消費為 1%。（

    Citi Cash Back Card 本地餐飲及酒店 2% 無上限；其他本地 1% ）

    • 最低年薪 HK$120,000。

    給上班族的建議

    • 如果年薪未達 HK$120,000 左右，可先看 Mox 或 sim 等門檻較低的卡。
    • 如果主要是日常超市、餐飲，可比較 Mox 和渣打 Smart；如果主要是網購，可比較 HSBC Red。
    • 信用卡的回贈以「不欠款」為前提。若每月只還最低還款額，利息成本會遠高於回贈，所以建議每月全數繳清。
    • 申請前，請到銀行官網閱讀最新的 Key Facts Statement，確認年費、年薪要求、回贈上限和推廣期。

    Perplexity · 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong?

    Oct 20, 2026, 2:57 AM UTC

    Search Results: 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong?

    Found 10 results.

    Result 1

    香港最佳信用卡比較2026年9月 - PANDAFREEDOM pandafreedom.com/best-credit-card

    香港最佳信用卡比較2026年9月

    其實，沒有一張信用卡適合所有人，只有最適合自己的信用卡。選擇時應按自己的消費習慣、理財需要及生活方式，比較現金回贈、積分、里數、迎新優惠、年費等，找出最適合自己的信用卡。 以下為大家比較香港熱門信用卡，助你選出最適合自己的信用卡。 ...

    渣打國泰Mastercard

    年費 首年免年費，其後HK$2000 ...

    Citi Cash Back

    年費 首年免年費，其後HK$1800 回贈 0.5%-15% 現金回贈 ...

    安信Wewa

    年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 0.4%-4% 現金回贈 ...

    渣打Simply Cash

    ...

    評價

    最佳信用卡比較

    |信用卡|年薪要求|年費|簽賬回贈| |--|--|--|--| |HSBC Red Card|HK$120,000|永久免年費|0.4%-8%獎賞錢回贈| |AE白金卡（細頭）官網申請|官網未有說明|HK$9500|1-9倍積分回贈| |安信Wewa官網申請|學生免入息 / HK$150,000|HK$800，學生首5年免年費，其他首2年免年費|0.4%-4%現金回贈| |渣打國泰Mastercard官網申請|HK$96,000|首年免年費，其後HK$2,000|$2-$6/里| |HSBC Visa Signature|HK$240,000|首2年免年費，其後HK$2,000|1-9倍獎賞錢回贈| |渣打Simply Cash|HK$96,000|首年免年費，其後HK$2,000|1.5%-2%現金回贈| |美國運通 Explorer官網申請|HK$300,000|首年免年費，其後HK$2,200|3-10.75倍積分回贈| ...

    常見問題

    香港最容易申請的信用卡？

    HSBC Red Card及安信Wewa都是比較容易申請，因為年薪要求相對較低。

    Result 2

    Apply for Credit Cards Online | Offers & Rewards - HSBC HK hsbc.com.hk/credit-cards/apply

    HSBC EveryMile Credit Card

    The credit card that takes you wherever you want to go, every day Welcome offer

    • Apply online for $1,250 RewardCash (or 25,000 miles)[@cards-welcomeoffer]
    • Earn miles at a rate as low as HKD0.4 = 1 mile[@cards-milescalculation]
    • Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
    • First year annual fee waiver[@cards-annualfeewaiver]
    • Enjoy an "Interest-free Payment Holiday" for the first two months[@cards-em-payment-holiday-offer]

    ...

    • Earn unlimited miles on designated everyday and travel spend at as low as HKD2 = 1 mile[@cards-preferentialrate],[@cards-designatedeverydayspend]
    • Convert your RewardCash to miles / points at 19 frequent flyer and hotel loyalty programmes at a preferential rate [@cards-preferentialrate]

    ...

    HSBC Red Credit Card

    The credit card that makes it easy to earn rewards Welcome offer

    • Earn up to $650 RewardCash with the promo code 'HSBCRED'[@cards-welcomeoffer],[@cards-welcomeoffer-red-2025]
    • Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
    • Perpetual annual fee waiver

    ...

    HSBC Visa Signature Card

    The credit card that elevates your lifestyle with dining and leisure privileges Welcome offer

    • Apply online to get up to $800 RewardCash[@cards-welcomeoffer]
    • Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
    • First 2-year annual fee waiver

    ...

    • Up to 2.4% RewardCash for spending in the Rewards of Your Choice category

    ...

    HSBC Premier Mastercard®

    The credit card that opens doors to a world of opportunity, no matter where you are. Welcome offer

    • Apply online to get up to $800 RewardCash[@cards-welcomeoffer]
    • Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
    • Perpetual annual fee waiver

    ...

    HSBC easy Credit Card

    The credit card that takes your rewards to the next level Welcome offer

    • Up to $700 RewardCash as welcome offer[@cards-welcomeoffer]
    • 1-year Moneyback VIP status when you successfully link your HSBC easy Credit Card in MoneyBack App account[@cards-1-year-moneyback-vip].

    Earn 6X MoneyBack Points when you spend with your card every day.

    • Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer].
    • First 2-year annual fee waiver

    Rewards

    • Up to 2.4% RewardCash for spending in the Rewards of Your Choice category
    • Earn 6X MoneyBack Points (=2.4% rebate) by linking your card in MoneyBack App

    ...

    HSBC Pulse UnionPay Dual Currency Diamond Credit Card

    The credit card that rewards you for spending at home and in mainland China Welcome offer

    • Apply online to get up to $800 RewardCash[@cards-welcomeoffer]
    • Apply with promo code 'HSBCPULSE' for an extra 20% RewardCash rebate for QR code payments, up to a total of $280 RewardCash[@cards-pulse-diamond-2026-extra-offer]
    • Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
    • First 2-year annual fee waiver

    ...

    HSBC Visa Gold Card

    Enjoy exclusive privileges worldwide and earn RewardCash every time you use your card.

    Result 3

    信用卡申請被拒？【2026最易批信用卡推薦】20張低門檻/TU差必睇 ... 1880.com.hk/loan/2286

    信用卡申請被拒？【2026最易批信用卡推薦】20張低門檻/TU差必睇排行榜，附無入息證明/學生申請攻略

    【2026易批信用卡推薦】20張低門檻/TU差信用卡排行榜

    【無需入息證明】最易批信用卡推薦

    對於學生、家庭主婦或自由工作者來說，要提供固定入息證明並不容易。以下幾款信用卡無需入息證明即可申請，是市場公認的最易批信用卡類別。

    AEON CARD WAKUWAKU：永久免年費、網購6%現金回贈

    AEON CARD WAKUWAKU最大的吸引力在於其永久免年費政策和高達6%的網購現金回贈，這在市場上非常有競爭力。它的申請門檻極低，而且審批過程相對寬鬆，使其成為許多人的第一張信用卡首選。 ...

    sim Credit Card：網購8%現金回贈、批核特快

    ...

    【低年薪要求】易批信用卡推薦 (年薪HK$4萬起)

    假如你已有固定工作，但年薪未達到主流信用卡的要求，這個類別的信用卡就非常適合你。它們的年薪要求極低，讓初入職場的朋友也能享受到信用卡帶來的便利。

    東亞 i-Titanium 卡：年薪要求僅HK$4萬、網購高達4%回贈

    東亞i-Titanium卡的年薪要求僅為HK$4萬，是市場上門檻最低的銀行信用卡之一。它同時提供高達4%的網購回贈，無論是日常網上購物或繳付賬單都非常實用，是低收入人士的理想選擇。

    渣打Smart信用卡：年薪HK$9.6萬、指定商戶5%回贈兼免外幣手續費

    雖然年薪要求為HK$9.6萬，但在主流銀行中已屬相當寬鬆。渣打Smart信用卡在百佳、759阿信屋等指定商戶有5%現金回贈，而且豁免外幣交易手續費，無論是本地日常採購或海外網購、旅遊都十分方便。 ...

    申請易批信用卡全攻略：文件、流程與時間

    申請信用卡所需文件清單

    個人入息證明 (如適用)

    如果你申請的信用卡有入息要求，就需要提交證明文件。對於固定月薪的上班族，通常提交最近一個月的糧單或顯示薪金入賬紀錄的銀行戶口月結單即可。如果收入來源非固定，例如是自由工作者或靠佣金收入，銀行一般會要求你提供最近三個月的入息證明，以便更準確地評估你的還款能力。

    Result 4

    香港免入息信用卡一覽2026｜學生、待業、自僱人士都能申請 - PANDAFRE... pandafreedom.com/no-income-credit-card

    現時幾乎人人都有信用卡，但大多數信用卡都要求申請人具備一定收入，需提供收入證明才能通過審批。 對於學生、家庭主婦、待業人士或自僱人士等沒有固定收入的人群，申請信用卡可能較困難，甚至被拒批。因此，以下將介紹及比較市場上免入息要求及相對容易申請的信用卡，供大家參考！ ✓ 學生免入息

    安信Wewa

    官網申請 年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 0.4%-4% 現金回贈 ... 信用卡資料

    • 年薪要求：學生免入息 / HK$150,000

    ... ✓ 低申請門檻之選

    安信Earnmore

    官網申請 年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 1%-2% 現金回贈 官網及額外迎新優惠 HK$1300 ...

    • 年薪要求：學生免入息 / HK$150,000
    • 年費：HK$800，學生首5年免年費，其他首2年免年費

    ...

    渣打Smart Card

    官網申請 年費 永久免年費 回贈 0%-5% 現金回贈 官網迎新優惠 HK$800 回贈明細

    • 當月簽賬累積HK$4,000至HK$14,999:基本簽賬可享0.56%現金回贈;於指定特約商戶如759阿信屋、百佳、屈臣氏簽賬，更可享5%現金回贈。

    ...

    • 年薪要求：$96,000
    • 永久免年費

    ...

    HSBC滙財金卡

    官網申請 年費 首2年免年費，其後HK$600 回贈 1-6倍 獎賞錢回贈 ... 現有客戶可獲HK$200「獎賞錢」回贈。詳情可參考條款及細則；另外，新客批卡後首 60 日內申請「現金套現」分期計劃，提款金額達HK$2萬元或以上，同時選擇 12 個月或以上還款期，就可以賺 HK$200「獎賞錢」回贈。

    • 年薪要求：$60,000
    • 首2年免年費，其後每年 $600

    ...

    MOX Credit

    官網申請 年費 永久免年費 ... |信用卡|年薪要求|年費|回贈|迎新優惠總值| |--|--|--|--|--| |安信 WeWa|學生免入息 / HK$150,000|HK$800（學生首 5 年免，其他首 2 年免）|0.4% – 4% 現金回贈|HK$1,300 現金回贈| |安信 EarnMORE|學生免入息 / HK$150,000|HK$800（學生首 5 年免，其他首 2 年免）|1% – 2% 現金回贈|HK$1,300 現金回贈| |恒生 MMPOWER|學生免入息 / HK$150,000|永久免年費|0.4% – 8% +FUN Dollars|HK$700 +FUN Dollars| |AE 白金卡（細頭）|未有透露|HK$9,500|1 – 9 倍積分回贈|HK$50 及 1,440,000 積分（相當於 HK$4,800 現金回贈）| |渣打 Smart Card|HK$96,000|永久免年費|0% – 5% 現金回贈|HK$800 現金回贈| |HSBC 滙財金卡|HK$60,000|首 2 年免年費，其後 HK$600|1 – 6 倍獎賞錢回贈|HK$800 獎賞錢| |Mox Credit|免入息|永久免年費|1% – 3% 現金回贈|–|

    Result 5

    現金回贈信用卡比較2025 pandafreedom.com/best-cashback-credit-card

    Citi Cash Back

    官網申請 年費 首年免年費，其後HK$1800 回贈 1%-2% 現金回贈 ...

    • 年薪要求：$120,000
    • 首年免年費，其後每年 $1,800

    ...

    HSBC Red Card

    官網申請 年費 永久免年費 回贈 0.4%-8% 獎賞錢回贈 ...

    • 年薪要求：$120,000

    ...

    Citi Rewards

    官網申請 年費 首年免年費，其後HK$1,800 ...

    HSBC Visa Signature

    官網申請 ...

    MOX Credit

    現金回贈信用卡比較

    |信用卡|年薪要求|年費|回贈|迎新優惠總值| |--|--|--|--|--| |Citi Cash Back|HK$120,000|首年免年費，其後 HK$1,800|1% – 2% 現金回贈|HK$1,200 現金回贈| |HSBC Red Card|HK$120,000|永久免年費|0.4% – 8% 獎賞錢回贈|HK$850 獎賞錢| |安信 Wewa|HK$150,000 / 學生免入息|HK$800（學生首 5 年免年費，其他首 2 年免年費）|0.4% – 4% 現金回贈|HK$1,300 現金回贈| |AE 白金卡（細頭）|未有透露|HK$9,500|1 – 9 倍積分回贈|HK$50 及 1,440,000 美國運通積分（相當於 HK$4,800 現金回贈）| |恒生 MMPOWER|HK$150,000/ 學生免入息|永久免年費|0.4% – 8% +FUN Dollars回贈|HK$700 +FUN Dollars| |安信 Earnmore|HK$150,000/ 學生免入息|HK$800（學生首 5 年免年費，其他首 2 年免年費）|1% – 2% 現金回贈|HK$1,300 現金回贈| |Citi Rewards|HK$120,000|首年免年費，其後 HK$1,800|1% – 8.1% 積分回贈|HK$1,200 現金回贈| |AE Blue Cash|HK$150,000|首年免年費，其後 HK$980|1.2% 現金回贈|HK$800 消費回贈| |渣打 Simply Cash|HK$96,000|首年免年費，其後 HK$2,000|1.5% – 2% 現金回贈|HK$600 現金回贈| |渣打 Smart Card|HK$96,000|永久免年費|0% – 5% 現金回贈|HK$800 現金回贈| |HSBC Visa Signature|HK$240,000|首 2 年免年費，其後 HK$2,000|1 – 9 倍獎賞錢回贈|HK$1000 獎賞錢| |HSBC 滙財金卡|HK$60,000|首 2 年免年費，其後 HK$600|1 – 6 倍獎賞錢回贈|HK$800 獎賞錢| |恒生 Travel+ Visa Signature|HK$150,000|永久免年費|0.4% – 7% +FUN Dollars回贈|HK$1,700 +FUN Dollars| |信銀國際 Motion 信用卡|HK$150,000|首年免年費，其後 HK$1,800|0.4% – 6% 現金回贈|HK$1,000 現金回贈| |MOX Credit|免入息要求|永久免年費|1% – 3% 現金回贈|–|

    Result 6

    信用卡現金回贈計劃市場調查（限時計劃 consumer.org.hk/f/article_tab/418225/439236/554-credit%20card%20table%20

    [12] ... [13] 22 AEON 信貸 財務(亞 洲） AEON CARD WAKUWAKU 永久豁免 現金回贈推廣計劃 港幣/外幣(滿等值港幣） 任何 - ... 200 0.50% - - 300 不設累積上限 ... G,I,L,M ... 信用卡 中銀Chill Card 永久豁免 無上限 0.4%現金回贈 港幣/外幣 ... Mox Bank Mox Credit 不設年費 3% CashBack 港幣/外幣 （滿等值港幣）

    Result 7

    東亞銀行 hkbea.com/jsp/hk/bea-online-application.jsp

    1. 申請人之年薪須達HK$120,000或以上。
    2. 禮品一經確認，恕不接受任何更改。
    3. 本行就東亞銀行信用卡之批核保留最終審批權。
    4. 須受條款及細則約束，詳情請參閱有關條款及細則。
    5. 所有客戶可享首年年費豁免優惠。

    ... 5. 首年年費豁免適用於主卡及相關附屬卡之持卡人。主卡及附屬卡年費分別為HK$1,800及HK$900。 持卡人於每年度累積零售簽賬及現金透支滿HK$90,000，即可享下年度年費豁免。

    Result 8

    網上申請 - Bank of East Asia hkbea.com/jsp/hk/bea-online-application.jsp

    1. 申請人之年薪須達HK$120,000或以上。
    2. 禮品一經確認，恕不接受任何更改。
    3. 本行就東亞銀行信用卡之批核保留最終審批權。
    4. 須受條款及細則約束，詳情請參閱有關條款及細則。
    5. 所有客戶可享首年年費豁免優惠。

    ...

    1. 東亞銀行富通保險信用卡客戶可享永久年費豁免優惠。

    ... 5. 首年年費豁免適用於主卡及相關附屬卡之持卡人。主卡及附屬卡年費分別為HK$1,800及HK$900。 持卡人於每年度累積零售簽賬及現金透支滿HK$90,000，即可享下年度年費豁免。

    Result 9

    Best credit cards in Hong Kong: An overview of credit cards in HK wise.com/hk/blog/credit-cards-in-hong-kong

    To help you out, this guide will compare the seven most popular credit cards from different providers in Hong Kong. ... |- What to compare when looking for the best credit card in Hong Kong?

    • AEON CARD WAKUWAKU - Citi Cash Back Card - Standard Chartered Cathay Mastercard - Standard Chartered Smart Credit Card - DBS Eminent Card - HSBC Red Credit Card - American Express Platinum Card - Mox Credit Card|

    ... The AEON Card WAKUWAKU is a product from the collaboration of Mastercard and AEON Credit Service, exclusively aimed at those who shop online and frequently travel to Japan. You can simply apply for the AEON CARD WAKUWAKU through the "AEON HK" app at the convenience of your fingertips. ... Eligibility^1^:

    • Hong Kong resident aged 18 or above.

    Benefits^1^:

    • Permanent Annual Fee Waiver.
    • Welcome Offer Up to 16% Cash Rebate + 400 HKD Cash Rebate.

    ... Service Fees^2^:

    • Annual interest rate:
    • Credit Purchase: 35.02%
    • Cash Advance: 35.86%

    ...

    Citi Cash Back Card

    If you are seeking a credit card with the highest cashback possible, the Citi Cash Back Card might be an excellent option. Citi Cash Back Card can be used for your regular purchases in Hong Kong or overseas, anywhere Mastercard is accepted. This credit card primarily focuses on cashback rewards rather than points, air miles or lounge access. Furthermore, unlike other cards, there is no cap on the amount of cashback you can earn. ...

    • Hong Kong resident aged 18 or above;
    • Annual income 120,000 HKD or above.

    ... Service Fees^4^:

    • Annual fee: 1,800 HKD
    • Interest Rate:
    • Retail Purchase: 34.28%
    • Cash Advance: 35.81%

    ...

    Standard Chartered Cathay Mastercard

    The Standard Chartered Cathay Mastercard is one of the best earners for collecting Asia Miles. You will start with up to 60,000 welcoming Miles. You will also get the first-year annual fee waiver. For the following years, an annual fee of 2,000 HKD will be charged. ... Eligibility^5^:

    • Hong Kong resident aged 18 or above;
    • Annual income of 96,000 HKD or above;
    • Existing Cathay Member.

    ...

    • First-year annual fee waiver

    ... Service Fees^6^:

    • Annual Fee: 2,000 HKD

    ...

    Standard Chartered Smart Credit Card

    Another impressive product from Standard Chartered is the Smart Credit Card. If you're constantly travelling overseas or regularly shopping from overseas websites, the Standard Chartered Smart Credit Card is the one for you. This credit card has no foreign transaction fees, annual fees, or cash advance fees. Therefore, it's often considered one of the 'best travel credit cards' in Hong Kong. ... Eligibility^7^:

    • Hong Kong resident aged 18 or above;
    • Annual income of 96,000 HKD or above.

    ...

    • 3-month 0% Interest Instalment.
    • 5% Cash Rebate On designated everyday merchants.
    • No foreign exchange fees, no annual fees, no cash advance fees

    Service Fees^8^:

    • Interest Rate:
    • Retail Purchase: 35.70%
    • Cash Advance: 34.11 %

    ...

    DBS Eminent Card

    The DBS Eminent Card is worth considering if you are looking for a credit card that offers exceptional benefits for a more exclusive lifestyle. This credit card is designed to provide you with generous spending limits for maximum financial flexibility. The DBS Eminent Card also includes a high cash rebate on dining, health, and medical experience. With the DBS Eminent Card, you can enjoy a superior lifestyle while saving money at the same time. ...

    • Hong Kong resident aged 18 or above
    • Annual income of 360,000 HKD (Visa Signature) or 150,000 HKD (Visa Platinum)

    ... Service Fees^10^:

    • Annual fee: 2,000 HKD (Visa Signature) or 1,800 HKD (Visa Platinum)
    • Interest Rate:
    • Retail Purchase: 34.58%
    • Cash Advance: 35.94%

    ...

    HSBC Red Credit Card

    Suppose you are looking for a credit card from an international bank where you can access services locally and in other countries and territories worldwide. In that case, HSBC might be your perfect provider. HSBC offers various banking services, including the HSBC Red Credit Card. The credit card comes with many attractive cash rebates while spending locally and overseas. The HSBC Red Credit Card also offers a perpetual annual fee waiver, meaning your yearly fee will be waived perpetually as long as you remain a program member. Eligibility^11^:

    • An annual income of 120,000 HKD or above.

    Benefits^11^:

    • Perpetual annual fee waiver.
    • Earn HSBC Reward+ stamps and receive RewardCash when you spend at McDonald's and various merchants
    • 2% RewardCash on Hong Kong supermarket spending
    • 4% RewardCash on the first 12,500 HKD online transactions and unlimited 1% RewardCash on subsequent online spending each calendar month.
    • 1% RewardCash on other local and overseas spending.

    Service Fees^12^:

    • Annual interest rate:
    • Retail purchase: 35.42%
    • Cash advance (include handling + cash advance fees): 35.94%
    • On Cash Credit Plan: 34.17%
    • Late payment fees: the amount of minimum payment due or 300 HKD, whichever is the lower .

    ...

    American Express Platinum Card

    The American Express Platinum is the most prestigious credit card you can get in Hong Kong. The American Express Platinum has a high annual fee but huge earning opportunities if you can maximise the benefits and rewards. For example, as of the research time (January 29, 2024), you can redeem 1,000,000 points as 55,555 miles, enough to redeem round trip tickets to Tokyo or Osaka for two or a round trip ticket to London or Paris^13^. ... Service Fees^14^:

    • Annual fee: 9,500 HKD
    • Annual interest rate:
    • Retail purchase: 35.96%
    • Late payment fees: 5% of the outstanding minimum payment due (maximum is HK$350 and the minimum is HK$300)

    ...

    Mox Credit Card

    As you have already seen with the above credit cards, many credit cards actually require proof of income to apply. However, if you can't provide this information yet, the Mox Credit Card is a convenient option. Mox Bank is a fully digital bank backed by Standard Chartered in collaboration with HKT, PCCW and trip.com^15^. The Mox Credit card is a virtual credit card that is often considered the easiest one to obtain in Hong Kong. You can apply online and receive a response within minutes^16^. ...

    • Have a Hong Kong Identity Card (either permanent and non-permanent resident);
    • Have a valid Hong Kong residential and mailing address;
    • 18 years old or above.

    Benefits^18^:

    • No annual fee.

    No late payment fee.

    • 3% unlimited CashBack at supermarkets
    • 1% unlimited CashBack everywhere else.

    Service Fees^19^:

    • Annual interest rate:
    • Retail purchase: 34.69%
    • Cash advance: 35.91%
    • Fees Relating to Foreign Currency Transaction: 1.95%

    Result 10

    Citi Credit Cards - Apply for Credit Cards Online | Citibank Hong Kong citibank.com.hk/english/credit-cards

    Citi Credit Cards - Apply for Credit Cards Online | Citibank Hong Kong ...

    Want to be a Citi Plus Account Holder?

    Be spoilt with Citi’s wide range of credit cards, not only can you fund your daily expenditure, but also enjoy all the privileged offers and enhanced experience, So apply online today! ...

    Citi Prestige Card

    ...

    • Up to 360,000 Points (equivalent to 30,000 Miles) and HK$1,200 Cash Rebate

    ...

    Citi Cash Back Card

    • Apply to get
    • HK$1,200 Cash Rebate
    • Auto rebate with no cap all year round
    • 2% rebate on Local dining
    • 2% rebate on Local hotel spending
    • 2% rebate on spending in foreign currency

    Citi Rewards Card

    • APPLY NOW
    • Apply to get
    • HK$1,200 Cash Rebate
    • Enjoy up to 3% Points Rebate for Shopping & Entertainment spend
    • 1% Points Rebate for all local Mobile Payments
    • Offset your purchases with Citi Pay with Points

    ...

    Citi Plus ® Credit Card

    • APPLY NOW
    • APPLY NOW
    • Apply to get
    • HK$800 Cash Rebate
    • Boost bonus interest rate
    • Enjoy up to 3X Points for online shopping and fitness memberships
    • As low as HK$1 = 1 point for all spending
    • Free purchase protection insurance

    Citi Octopus Platinum Card

    • APPLY NOW
    • APPLY NOW
    • Apply to get
    • HK$1,800 Cash Rebate
    • Earn 15% rebate on fare payments for MTR, bus, ferry, tram, green minibus, taxi, and 5% rebate on tunnel tolls, parking and electric vehicle charging fees
    • 2-in-1 credit card with embedded Octopus Service
    • Earn HK$1 Octopus Cash with every HK$200 spending

    ...

    Citi The Club Credit Card

    • APPLY NOW
    • APPLY NOW

    ...

    Citi HKTVmall Card

    How to apply for a Citi Credit Card? As there are various types of Citi credit cards, the application process for each might be different. You can check out the credit cards on our website and click on Apply Now for the one that suits your needs. During the application process, we may also ask you to provide personal information such as copy of HKID proof, income proof for etc. ... The payment options that are available for Citi credit cards Hong Kong are - Account Transfer, Cash or Check Deposit via Citibank ATMs with Deposit Service, Faster Payment System (FPS), PPS, JETCO ATM – JET Payment, FlexiAutopay, and Electronic Cheque (e-cheque)

    Claude · 香港居民每年去日本旅行兩三次，想比較海外簽賬手續費和回贈，有哪些發卡銀行值得考慮？ in Hong Kong?

    Oct 20, 2026, 2:59 AM UTC

    以下是香港發出、適合日本消費的信用卡方向。數字來自多個比較網站，各站資料有出入，申請前請以銀行最新條款為準。

    先了解基本成本

    • 大部分 Visa／Mastercard 卡的外幣手續費約 1.95%，美國運通較高，銀聯或部分 JCB 卡可能較低。

    整體海外交易費通常包括卡組織的約 1% 網絡費，加上發卡銀行收取的 0.95%至 2%。

    • 所以回贈率要扣走手續費，才是實際回贈。

    1. 恒生 Travel+ Visa Signature（現金回贈）

    • 日本是指定地區之一，

    在日本、韓國、中國內地、澳門及台灣等地的實體店簽賬可享 7% 回贈 ，扣走手續費後淨回贈約 5.05%。

    • 條款要留意：每月要簽滿一定金額，回贈設有每月上限，而且主要適用於實體店。

    2. AEON CARD WAKUWAKU（日本回贈）

    - 日本簽賬最高有 3% 現金回贈，每月上限 300 港元 。

    • 網上消費回贈率較高，如果你常在網上買日本產品，這張卡值得留意。
    • 手續費方面，有資料指 AEON 本身不收外幣手續費，但

    卡組織（Mastercard 或 Visa）仍會收取 1% ，實際收費以銀行說明為準。

    • 另外，JCB 版本有推廣：

    首 6,000 港元等值的日圓消費可獲全數豁免手續費，推廣期至 2027 年 2 月底 。

    3. 恒生 MMPOWER World Mastercard（高回贈、覆蓋網上）

    • 不同網站數字不一。有比較指它

    提供 6% 外幣消費回贈，網上及實體消費都適用 ，但另一份資料則列為海外 4%，網上 5%，申請前請核對。

    4. 中銀 Chill World Mastercard

    • 有資料指海外消費回贈約 5%，

    但每月的額外回贈上限很低，只有 150 港元 ，回贈額大概在消費約 3,000 港元後便會大減。

    5. 渣打 Smart 卡（免手續費）

    • 適合想免手續費的人。

    沒有外幣手續費、年費及預借現金手續費 。

    • 另一頁面列明，

    外幣零售簽賬可豁免 1.95% 手續費，並可賺取 1.2% 回贈 。

    6. 其他選擇

    • Mox Credit：

    手續費為 0% ，但要先符合存款或其他條件，適合有大額存款的人。

    • 里數路線：如果你更重視里數，渣打國泰卡等以

    海外簽賬 4 港元兌 1 里 為主，無上限，但回贈比現金卡低。

    • 信銀 Motion、安信 WeWa、Citi Cash Back 等也常被列入比較，條款各有不同，可按自己每月消費額再比。

    選卡建議

    • 每年去日本兩三次、消費額不一定很高，可先比較「扣手續費後的淨回贈」，並注意每月或每期的上限與登記要求。
    • 在日本刷卡時，店員若問「日圓結算定港幣結算」，建議選

    外幣（本地貨幣）結算 ，因為選港幣可能要承受較高的匯率差價。

    • 申請前最好直接查看銀行的「主要條款」（Key Facts Statement），確認回贈計算方式、上限和手續費，因為推廣條款經常更新。

Turn the evidence into your next move.

Inspect the exact answers first, then use the relevant GEO guidance or review the source-backed knowledge about this brand.