Independent · Hong Kong

Compare Hong Kong credit cards properly.

Six cards from three issuers, read off the banks’ own pages and dated. Put two or three side by side and see the rewards rate, annual fee, welcome offer, foreign exchange fee and income requirement in one view.

Start comparing How we rank
Cards tracked
6
Issuers
3
Last verified
31 Jul2026, against issuer pages
Hang Seng Travel+ Visa Signature card, grey and green face with an aeroplane motif
Standard Chartered Cathay Mastercard, deep teal face with the Cathay brushwing
Standard Chartered Cathay Mastercard Priority Private, dark card face with the Cathay brushwing

Cards we track

Tick Compare on two or three cards, then open the side by side view. Figures below are the headline terms, with the detail one tap away.

Showing 6 cards

What do you put on a card?

a month
How the estimate works

Every card below shows what that spending is worth in a year, rewards earned less the standing annual fee. We assume a fifth of your spending is overseas or in foreign currency, a fifth is dining and transport, and the rest is everyday spending, then apply each card’s published rates. Miles are valued at HK$0.12 each. Your own mix will differ, so treat these as estimates and check the reward detail on each card.

The comparison tool needs JavaScript. You can still go straight to each issuer's own page, where every figure on this site comes from: Hang Seng Travel+ Visa Signature, Hang Seng enJoy Visa Platinum, Standard Chartered Cathay Mastercard and its Priority Banking and Priority Private tiers, American Express The Platinum Card.
How we are paid. CardWise HK may earn a commission when you apply through a link on this page, at no cost to you. Commission never changes the order of these cards or the figures we publish, and we link to the issuer's own site so you can check every term yourself. Information here is general reference, not financial advice. To borrow or not to borrow? Borrow only if you can repay.

How we rank

The order is set by value to the cardholder. Nothing about it is for sale.

  1. Reward rate first, at the rate you will really earnHeadline rates that need registration, a monthly spending floor or a rebate cap are scored at the realistic rate, not the poster rate.
  2. Fees netted off the rewardAn annual fee is subtracted from the reward it buys. A waived first year is treated as one year of value, not forever.
  3. Welcome offers valued once, then set asideThey are a first year sweetener. For sorting only, Asia Miles and Membership Rewards points are valued at HK$0.12 per mile so different currencies can be lined up.
  4. Eligibility counted as a real costA card that needs a HK$1,000,000 or HK$8,000,000 relationship balance is only good value if you would hold that balance anyway.
  5. Anything unpublished is labelled indicativeWhere an issuer does not publish a figure, we mark it indicative rather than invent precision. Foreign exchange fees on this page are indicative pending a check against each Key Facts Statement.

Where our figures come from

Primary source
The issuer's own product page and Key Facts Statement, read on the date shown on each card.
Checked on
31 July 2026. Promotional terms on this page run to the dates stated by the issuers, several of which end 31 December 2026.
What we never do
Copy issuer marketing text, guess a number to fill a gap, or move a card up the page for commission.
Found something stale?
Tell us and we will re-check it and update the verified date.