Credit Card Welcome Offers: Best Promotion Deals Comparison in Hong Kong (2023 June)

What’s the hottest credit card welcome offer in Hong Kong? Look no further than MoneySmart, where you can earn cash back on the exclusive welcome offers at your fingertips! In this blog post, we’re going to find out about different credit card promotions and features, so you can pick the card that is best for you with ease.

Don’t forget to bookmark this page if you’re interested in learning more about credit card deals because we roll out fresh and fancy welcome offers every month. Now let’s check out what your favorite credit card promotional deals are!

Standard Chartered credit card exclusive welcome offer

Standard Chartered Smart Card: HK$2,799 welcome offer

Sponsored

MoneySmart Exclusive

5% rebate｜Waive foreign exchange fee

Standard Chartered Smart Card

Cash back on spending at designated stores of HKTVmall

5%

Cash back on local spend

5%

MoneySmart Exclusive Offer

Up to HK$3,288

MoneySmart Exclusive:

【15-day limited offer - Delonghi ECOV311 Icona Vintage Series Pump-Driven Espresso Coffee Machine】
Apply for SC Smart Card now via MoneySmart to get extraHK$1,200 Apple Store Gift Card or HK$1,200 PARKnSHOP supermarket vouchers or Delonghi ECOV311 Icona Vintage Series Pump-Driven Espresso Coffee Machine (Retail price:HK$3,288)! Total up to HK$4,488 rewards including SCB welcome offer.
Earn 5% CashBack all year round when shopping at HKTVmall ! Waive any foreign exchange fee for foreign currency transaction!

[Referral Program] After applying for the card, get extra HK$300 Apple Store Gift Card by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 30 Sep 2023

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Key Features

• Welcome Offer: From 30 June 2023 until 27 September 2023, you can enjoy HK$1,200 CashBack ! Accumulated Eligible Transactions of HK$4,000 within the first month from the date of card issuance can enjoy HK$1,200 CashBack; the CashBack from welcome offer will credited within 4 months after card issuance

• Earn 5% CashBack with your Smart Card when you shop at HKTVmall. No registration, no minimum spending, and available every day!

• Massive 5% Rebate, including China Mobile Hong Kong, 759 Store, Circle K Convenience Store, Klook, Deliveroo, Japan Home Centre, Sa Sa, Watsons, McDonald’s®, PARKnSHOP. The promotion also for major online video and music streaming platforms, e.g. Disney+, Netflix, JOOX, KKBOX, MOOV, Spotify, with no minimum spending requirement

• 3-month Interest Free Instalment

• No annual fee, no foreign exchange fees, no cash advance fees

• To borrow or not to borrow? Borrow only if you can repay!

See all card details 

Alright, ‘la crème de la crème’ (the cream of the cream) here is the Standard Chartered Smart Card. What makes it stay on the top rank is the HK$2,799 welcome offer it offers!

Successful applicants for the Standard Chartered Smart Card can now receive an HK$1,200 Apple gift card or HK$1,200 supermarket voucher. No sweat if you’re not a fan of gift cards; you can also choose the Shokz S810 Bone Conduction Open-ear sport headphones  (Colour randomly distributed) worth HK$1,599!

So, combined with Standard Chartered Bank’s welcome rewards, the total rewards can be as high as HK$2,799, even without including the 5% cash back offer on local spending! So, what’s the reason not to have this card in your wallet?

(Check out more information about the Standard Chartered Smart Card Welcome Offer here.)

Standard Chartered Cathay Mastercard: 60,000 miles welcome offer

MoneySmart Exclusive

Standard Chartered Cathay Mastercard

Miles Conversion(Eligible spending on Cathay and HK Express)

HK$2=1 mile

Miles Conversion (Eligible spending on dining, online and overseas category)

HK$4 = 1 mile

Bank Welcome Offer

60,000 miles

MoneySmart Exclusive:

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 PARKnSHOP supermarket vouchers or HK$600 Apple Store Gift Card or Apple HomePod mini (retail price: HK$749)! Enjoy up to 60,000 welcome miles!

Valid until 30 Sep 2023

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Key Features

• Welcome offer: Up to 60,000 Asia Miles (as low as HK$0.2=1 Asia Mile) for new cardholders

• New cardholders can enjoy a waiver of the HK$2,000 annual fee in the first year

• 10% discount when you redeem hotel stays, car rentals, travel experience or dining awards.

• Earn 20 Cathay Membership Status club points for every HK$100,000 eligible transactions, up to 100 club points

• To borrow or not to borrow? Borrow only if you can repay!

• Information is for reference only. Terms and conditions apply. Please visit Cathay’s website for details

See all card details 

Standard Chartered Cathay Mastercard is highly favored by travel enthusiasts, with a redemption rate of HK$2 per mile for card spending. By applying through MoneySmart now, you can receive an HK$350 worth Apple gift card, Kook gift card, or supermarket cash voucher. And new customers also have the chance to earn up to 60,000 miles!

Citibank Credit Card exclusive welcome offer: up to HK$2,000 in gift card

MoneySmart has an exclusive welcome offer for applying for a Citibank credit card in May! If you successfully apply for a designated Citi credit card and spend over HK$1,000, you can choose up to a HK$2,000 voucher as your welcome offer! In addition, for every friend you refer, you can earn an extra HK$300 supermarket cash coupon.

Citi Cash Back Credit Card: 2% cash back on spending

MoneySmart Exclusive

2% foreign currency rebate

Citi Cash Back Card

Minimum Income Requirements

HK$120,000

Cash back on local spend

2%

Cash back on overseas spend

2%

MoneySmart Exclusive:

From 21-30 September 2023, new customers register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$2,000, you can earn HK$1,600 Apple Store Gift Card / HK$1,600 ParknShop vouchers / JBL Tour Pro 2 Headphones (Valued at HK$1,999)

【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards with a spending amount of HK$2,000, you can receive an extra HK$300 PARKnSHOP Supermarket Voucher for every successful referral. Add value service transactions to your digital wallet like Payme/ Alipay HK is eligible spending.

Valid until 30 Sep 2023

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Key Features

• Cashback on local spending: 1% base rebate; 2% on global hotels and restaurants

• 【Must-have for overseas spending】Cashback on overseas spending: 2%

• 【Best Choice to add value on consumption voucher】1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)

See all card details 

Citi Cash Back credit card requires an income of only HK$120,000 and gives you 2% cash back on both local and overseas spending. Perfect for daily expenses and cash back!

Citi Rewards Credit Card: 5X reward points

MoneySmart Exclusive

5x Points on contactless transactions

Citi Rewards MasterCard

Minimum Income Requirements

HK$120,000

Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)

5X Points

Miles Conversion (local spend)

$3 = 1 Mile

MoneySmart Exclusive:

From 21-30 September 2023, new customers register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$2,000, you can earn HK$1,600 Apple Store Gift Card / HK$1,600 ParknShop vouchers / JBL Tour Pro 2 Headphones (Valued at HK$1,999)

【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards with a spending amount of HK$2,000, you can receive an extra HK$300 PARKnSHOP Supermarket Voucher for every successful referral. Add value service transactions to your digital wallet like Payme/ Alipay HK is eligible spending.

Valid until 30 Sep 2023

Apply Now

More Details

Key Features

• Rewards points never expire

See all card details 

Citi Rewards credit card is easy to get because it only has an income requirement of HK$120,000 a year. You can get 5X reward points with contactless payments (Apple Pay, Google Pay, and Samsung Pay). Plus, you can also turn every HK$3 you spend into 1 mile.

American Express/Amex Credit Card exclusive welcome offer

MoneySmart is offering exclusive promotions for applying for the American Express Platinum Card, American Express Platinum Credit Card, and American Express Blue Cash Credit Card in May.

American Express/Amex Platinum Card: up to HK$6,100 in welcome rewards

Bank Promo

Enhanced Welcome Offer

The Platinum Card

Miles Conversion (local spend)

HK$7.5=1 Mile

Discount at designated restaurants

50%

N/A

Bank Promo:

 From now till 17 October 2023, successfully apply The Platinum Card via MoneySmart can enjoy HK$500 statement credit and 100,000 Membership Rewards points. Upon spending HK$15,000 in the first 3 months, you can enjoy up to 600,000 Membership Rewards points (equivalent to HK$2,500 cash vouchers/ to offset your purchases OR HK$4,000* travel credit on American Express Travel Online).

All new Global Dining Credit! Platinum Card members can enjoy up to HK$2,000 annually, up to HK$2,200 AMEX Travel Online Benefit annually and up to HK$800 statement credit at NET-A PORTER or MR PORTER.

Valid until 17 Oct 2023

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Key Features

• Enjoy over 1,400 lounges access over the world and exclusive access to the Centurion Lounges

• Complimentary hotel membership to world’s leading hotels with benefits with an average total value of HK$4,680

• Complimentary Travel Insurance that includes Travel Accidents coverage of up to HK$4,000,000 and Medical Assistance and expense up to HK$1,000,000

See all card details 

Amex Platinum Card is one of American Express’ most prestigious cards, second only to the Black Card. Despite its HK$7,800 annual fee, it offers a variety of benefits, including unlimited access to airport lounges, travel insurance, and hotel memberships.

If you successfully apply for the American Express Platinum Card and complete your first transaction within the first three months after approval, you can enjoy up to HK$5,800 in welcome rewards:

• HK$2,000 Global Dining Credit annually
• up to HK$800 statement credit at NET-A PORTER or MR PORTER
• HK$1,000 and up to 600,000 Membership Rewards points (equivalent to HK$2,000 cash vouchers or 40,000 air miles) by making your first purchase within the first 3 months. (valid until May 31, 2023)

American Express/Amex Platinum Credit Card: your best dining card with 50% off at designated restaurants

Bank Promo

Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary

^HK$300,000

Cash back on local spend

1％

Miles Conversion (local spend)

$5 = 1 Mile

Bank Promo:

Welcome offers valued up to HK$2,960 upon card approval! Limited time offer of 300,000 MR points if you apply on or before 30 September 2023, and spend at least HK$5,000 within the first 3 months. 300,000 MR points is equivalent to HK$1,250 if you apply Pay with Points Max or 20,000 air miles which is enough to redeem a free round trip flight to Tokyo, Osaka or Seoul!

Valid until 30 Sep 2023

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More Details

Key Features

• As low as HK$5 = 1 Air Mile

• Redeem membership reward points for different benefits - offset spending with cash back or redeem for free flights and upgrades

• Enjoy 8% off on Expedia & other hotel benefits

• Entertainment benefits such as discounted movie tickets

• Local and worldwide travel, leisure, dinning, and shopping offers

• Platinum Assist - 7/24 assistance service

See all card details 

If you’re a fan of dining out, you might want to consider the American Express Platinum Credit Card. You can enjoy up to 50% savings for dinner or takeaway orders at designated restaurants, and even a buy-1-get-1-free offer at Agnes B Café (Limited time offer)! Plus, you’ll earn HK$1 for every 3 points spent, which can be redeemed for cash vouchers or air miles. It’s definitely worth checking out if you’re looking for a new credit card!

Until May 20, 2023, register for a MoneySmart account and use the newly applied American Express Platinum Credit Card to purchase electronic vouchers up to 12% off!

PrimeCredit Credit Cards exclusive welcome offer

PrimeCredit EarnMORE UnionPay Diamond Card

MoneySmart Exclusive

Earn 2% cashback from everyday spending

EarnMORE UnionPay Diamond Card

Min. Annual Salary

^HK$0

Cash back on overseas spend

2%

Cash back on local spend

Does the 2% cash rebate have a cap?

Yes, the 2% cashback of this credit cards is constituted of 1% basic rebate and 1% extra rebate, and you can only earn maximum HK$2,000 cashback, which means only the first HK$200,000 spend is eligible for the 2% cash rebate.

2%

MoneySmart Exclusive:

From now till 30 September 2023, customers who successfully apply for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy HK$200 Apple Store Gift Card/ HK$200 UBER Voucher/ HK$200 HKTVMall voucher(fulfilled by MoneySmart)!!

[PrimeCredit x MoneySmart] Apply EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate +Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or OTO massage chair or Aurabeat AG+ Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 

Valid until 30 Sep 2023

 Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or OTO massage chair or Aurabeat AG+ Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 

Valid until 31 Dec 2023

Apply Now

More Details

Key Features

• Up to 2% Cash Rebate for all purchases (applies to all merchant categories)

See all card details 

Apply for the EarnMORE UnionPay Diamond Card in May through MoneySmart, and you’ll be in for a credit card welcome treat. Successful applicants will receive an extra HK$670 cashback, with a further HK$100 cash rebate exclusively from MoneySmart, and that’s just the beginning! You’ll also be able to choose from a range of welcome offers, including the following:

• OTO massage chair or,
• Aurabeat AG+ Air Purifier or,
• Up to HK$90,000 interest-free and handling fee-free cash instalment program.

Plus, EarnMORE UnionPay Diamond Card offers up to a 2% cash rebate for all eligible transactions with no minimum spending requirements. Don’t miss out on this steal!

PrimeCredit WeWa Card

MoneySmart Exclusive

WeWa UnionPay Diamond Card

Min. Annual Salary

^HK$0

Cash back on overseas spend

0.4%

Cash rebate on travel spending and designated spending categories

4%

MoneySmart Exclusive:

From now till 30 September 2023, customers who successfully apply for WeWa UnionPay Diamond Card via MoneySmart can enjoy HK$200 Apple Store Gift Card/ HK$200 UBER Voucher/ HK$200 HKTVMall Voucher (fulfilled by MoneySmart)!!

[PrimeCredit x MoneySmart] Apply WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Sony Truly Wireless Headphones LinkBuds S or Samsung Galaxy Watch4 40mm (Bluetooth) or B&O Beosound Explore Bluetooth Speaker (Black Anthracite) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)

Valid until 30 Sep 2023

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More Details

Key Features

• Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, ”Cinema”, “Karaoke” and “Theme Park”) all year round

• Handling fee waiver for overseas spending

• From September 1st 2023 to February 29th 2024, watch out for all the amazing perks! Be it pre-spending or upon spending, play “Pay with WA! ‧ Win with WA!” on OmyCard App every day and get rewarded right away. Winning is guaranteed - stay tuned for the endless perks!

See all card details 

Prime Credit WeWa UnionPay Diamond Card is your new bestie for all things fun! Get 4% cash back on categories like “Travel”, “Cinema”, “Karaoke”, and “Theme Park”. If you’re a fan of fun activities, you can save a ton of money! Plus, there’s no income requirement for applicants, so anyone can join in on the fun.

That’s more! If you apply for PrimeCredit WeWa Card now, you can receive one of the following welcome gifts:

• B&O Beosound Explore Bluetooth Speaker (Black Anthracite), or
• Samsung Galaxy Tab A7 Lite (LTE) tablet (T225) or
• HK$500 cash rebate or
• HK$90,000 interest-free and handling fee-free cash instalment program or
• Full-time university / college students exclusive: HK$200 cash rebate

Hang Seng credit card exclusive welcome offer

Hang Seng enJoy Card: 4X yuu points (2% rebate for spending)

MoneySmart Exclusive

Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fees

Perpetual annual fee waiver

Cash back on local spend

2％

Welcome Offer

Up to 120,000 yuu Points

MoneySmart Exclusive:

【Limited Offer】Until 30 September apply for the designated Hang Seng Credit Card via MoneySmart and spend HK$1000 or above within a month, to get an extra Dogado Ceramic Cookware 6P Sets (Retail price: HK$1,298) or HK$1,000 Apple Store Gift Card or HK$1,000 PARKnSHOP Supermarket Voucher or HK$1,000 Klook Gift Card. To ensure you can get the exclusive reward, please apply via this link and do not log on to Hang Seng Personal e-Banking!

[Referral Program🤝🏻] After applying for the card, get extra HK$300 PARKnSHOP supermarket vouchers by referring relatives and friends to apply as well! The more you refer, the more rewards you get! 

Valid until 30 Sep 2023

Apply Now

More Details

Key Features

• Welcome offer up to 120,000 yuu Points (equivalent to rewards worth HK$600)

• 4X Points (equivalent to 2% rebate) at Pizza Hut, PHD, KFC and designated Maxims Group Restaurants/ Outlets

• 3X Points (equivalent to 1.5% rebate) at Wellcome, Mannings, IKEA and 7-Eleven

• 2X Points (equivalent to 1% rebate) at GNC, Shell and other designated Maxims Group Restaurants/ Outlets

• Accumulated Reward Points can be used as cash for the next purchase at the Designated Merchants

• Redeem e-coupons and gift

• Exclusive Year-round discount offers at the Designated Merchants

• Perpetual annual fee waiver

See all card details 

Hang Seng enJoy Card is your perfect shopping companion, which offers up to 4X yuu Points (equivalent to a 2% rebate) for your spending. When you make a purchase within 1 month after receiving the card, there’s more for Hang Seng enJoy card new members:

• HK$1,000 Apple gift card or
• HK$1,000 supermarket voucher or
• HK$1,000 Klook coupon
• and 120,000 yuu points.

Plus, if you recommend the card to a friend who also qualifies and they get approved, you can get a bonus HK$300 supermarket voucher.

Related Article

Wondering which credit offers you the airport lounge privilege? Take a look at the Best Unlimited Free Airport Lounge Access Credit Cards in Hong Kong.

For the shopping pros out there, we have prepared the Hong Kong Cash Back Credit Card Comparison for you. Discover the credit card with the most cash back so you can go on a shopping spree and earn cash back at the same time!

Wanna stay ahead of the herd? Let’s check out the MoneySmart blog for more financial tips!

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