WeChat Pay Tutorial: How to Top-Up with a Credit Card

WeChat Pay Tutorial: How to Top-Up with a Credit Card

WeChat Pay in the Mainland China has joined the international credit card trend! They’ve made it possible for international users to link their Mastercard and Visa credit cards to WeChat Pay. Now, when you travel to Mainland China, you can shop, dine, book accommodations, and pay for transportation with WeChat Pay, and the payment will be charged to your Hong Kong credit cards. It’s like having a magical money wand that works on both sides of the border!

So, if you’re looking for a convenient way to pay in Mainland China, keep reading to find out how to link your credit cards to WeChat Pay!

Understanding the Difference: WeChat Pay vs. WeChat Pay HK

Before we dive in, let’s clarify some important concepts:

  • WeChat Pay (Mainland version) is different from WeChat Pay HK.
  • There are several merchants in China that accept WeChat Pay HK, including Didi (Taxi service), MeiTuan (Food delivery), 12306 CHINA RAILWAY (Train ticket service), Hey Tea (Chinese tea drink), and HaiDiLao Hotpot, among others.
  • In China, some merchants exclusively accept WeChat Pay as a payment method. Therefore, it may be necessary to obtain your own WeChat Pay account in China.

How to link your Hong Kong credit card to WeChat Pay in 4 simple steps

To link your credit card to WeChat Pay, follow these steps:

  1. Open WeChat and switch the region of your wallet to Mainland China.
  2. Select the credit card/debit card option.
  3. Follow the instructions to add your card details, including credit card information and billing address.
  4. Agree to the terms and conditions to successfully add your Visa or Mastercard credit card.

Step 1: Switch the region of your wallet to Mainland China

Inside WeChat, switch the region of your wallet to Mainland China by clicking on “Me” – “Services” – tapping the three dots in the upper right corner – “Switch Region” – “Mainland China”.

Step 2: Add a credit card

Click on “Service” – “Balance” – “Top-Up” – “Credit Card/Debit Card Top-up” – “Add Bank Card”

Step 3: Fill in credit card information.

Enter your credit card details, including card number, expiration date, security code, billing address, phone number, and email.

Step 4: Complete the linking process

After filling in the information, click “Next” and agree to the terms and conditions. The screen will show “Added” to indicate that your Visa or Mastercard credit card has been successfully added.

WeChat Pay Payment restrictions and fees

Using WeChat Pay for payments does not come without restrictions and fees. Before using it, take a look at the possible fees that may be incurred.

Payment Restrictions

Single Day Payment Limit 6,000 RMB
Monthly Accumulated Payment Limit 50,000 RMB
Yearly Accumulated Payment Limit 60,000 RMB

Fee Regulations

In general, there’s a 3% transaction fee charged for international credit card transactions exceeding HK$200. 

Single Transaction Amount ≤ 200 RMB Free payment
Single Transaction Amount > 200 RMB 3% fee
Initiating a Refund The refund fee will be returned in proportion to the refund amount

Which credit cards are perfect for WeChat Pay HK?

Citi Rewards Mastercard: WeChat Pay spending is now included in the welcome offer

Citibank logo
5x Points on contactless transactions
Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X Points
Miles Conversion (local spend)
$3 = 1 Mile

Citi Rewards presents an exclusive offer worth up to HK$1,800 through MoneySmart. To get the welcome offer, all you need to do is spend over HK$2,000 within the first month of receiving the card. Don’t worry, you can use WeChat Pay, Payme, or Alipay to top up your balance and still be eligible for the welcome offer.

DBS BlackWorld Mastercard: HK$6/mile with WeChat Pay spending

DBS logo
MoneySmart Exclusive
Redeem various mileage points without any fee
Welcome Offer
Up to 42,000 miles
Upon meeting local and overseas spending goal*
HK$3/mile
Miles Conversion (overseas spend)
HK$4/mile
MoneySmart Exclusive:

【⚡️Unleash Your Wanderlust: HK$800 vouchers & Awesome Extras Await!】
From now until 31 May 2024, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy SAMSUNG Galaxy Buds FE (R400) (Retail value: HK$898) / Acer Trunk Sport 4 wheel Frame Luggage 20”  (Retail value: HK$1,298) / JBL Link 20 Voice-activated portable speaker (Retail value: HK$1,699) / HK$800 Apple Store Gift Card or PARKnSHOP Supermarket Voucher! Together with the bank welcome offer, you can earn up to HK$1,799 rewards and up to 42,000 miles at the same time!



【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$55 for Every Referral! 】
Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 555 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 May 2024

If you bind DBS BlackWorld Mastercard with WeChat Pay, you can enjoy HK$6/mile when you make a spending through WeChat Pay. 

What should I pay attention to if I want to travel abroad/return to the Mainland?

First, you should check if your SAR passport/return certificate needs to be renewed and also keep an eye on the exchange rates of different currencies, including RMB to HKD, JPY to HKD, GBP to HKD, and so on.

To be more worry-free, consider getting travel insurance before you embark on your journey.

Dah Sing travel insurance: discount available when applying via MoneySmart

For a 9-day trip to China in December, the premium for the Dah Sing Gold travel insurance plan can be as low as HK$182.

Dah Sing Insurance logo

Premium

HK$195

25% OffPremiumHK$260
MoneySmart Exclusive
Promo code "MS202401"
Medical Expenses
HK$500,000
Travel Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Premium
PremiumHK$26025% Off
HK$195
MoneySmart Exclusive:

【2024 "Let's Chill" Lucky draw】Over HK$50,000 gifts are Waiting For You! Included HK$15,000 valued Club Med Travel Vouchers, HK$10,898 Samsung Galaxy S24 Ultro 512GB, etc. Click HERE for more details.

【MoneySmart Exclusive Offer】
1. Using promo code "MS202401" to enjoy 25% discount on Dah Sing Travel Insurance
2. Enjoy One Complimentary HK$100 HKTV Mall e-Coupon when apply for an Dah Sing Travel Insurance with premium HK$400 or above

Valid until 30 Jun 2024
Dah Sing Insurance logo

Premium

HK$318.75

25% OffPremiumHK$425
MoneySmart Exclusive
Promo code "MS202401"
Medical Expenses
HK$1,000,000
Trip Cancellation
HK$50,000
Loss/Damage of Baggage
HK$20,000
Premium
PremiumHK$42525% Off
HK$318.75
MoneySmart Exclusive:

【2024 "Let's Chill" Lucky draw】Over HK$50,000 gifts are Waiting For You! Included HK$15,000 valued Club Med Travel Vouchers, HK$10,898 Samsung Galaxy S24 Ultro 512GB, etc. Click HERE for more details.

【MoneySmart Exclusive Offer】
1. Using promo code "MS202401" to enjoy 25% discount on Dah Sing Travel Insurance
2. Enjoy One Complimentary HK$100 HKTV Mall e-Coupon when apply for an Dah Sing Travel Insurance with premium HK$400 or above

Valid until 30 Jun 2024

Frequently asked questions: Linking credit cards to WeChat Pay

Is WeChat Pay HK the same as WeChat Pay?

WeChat Pay HK is not the same as WeChatPay. They have different servers, and funds cannot be freely transferred between the apps.

If I want to travel abroad/return to the Mainland, what should I pay attention to?

First, check if your SAR passport/return certificate needs to be renewed. Additionally, keep an eye on the exchange rates of various currencies, such as RMB to HKD, JPY to HKD, GBP to HKD, and others.

How do I switch the region of my wallet to Mainland China?

To switch the region of your wallet to Mainland China, follow these steps:

  1. Open WeChat and go to the “Me” section.
  2. Tap on “Services” and then tap the three dots in the upper right corner.
  3. Select “Switch Region” and choose “Mainland China”.

Once you have switched regions, you will be able to link your credit card to WeChat Pay in Mainland China.

Can I link my credit card to WeChat Pay HK?

No, WeChat Pay HK is not the same as WeChat Pay. They have different servers, and funds cannot be freely transferred between the apps. Therefore, you can only link your credit card to WeChat Pay in Mainland China.

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Are you wondering how to open a new account with WeChat Pay Hong Kong? Or how to top up your account balance? Perhaps you’re interested in making p2p transfers with WeChat Pay Hong Kong? Don’t worry, all these topics will be covered in the upcoming blog post.

WeChat and Alipay are two popular payment apps in China. If you are wondering which one to use, the following blog post provides a detailed explanation of both apps and a conclusion to help you decide which one is right for you.

 

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

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