August Update: Must-Have Travel Credit Card Guide] Including Asia Miles Rewards and Credit Card Welcome Gifts.

We recommend travel credit cards! Different credit card companies offer various cash back, miles rewards, and welcome gifts. Seize the opportunity to apply for a card and earn money for your next trip during your travels! | Credit Card | Best Welcome Gift | Daily Rewards | Foreign Transaction Fee | |---|---|---|---| | AEON WAKUWAKU | 10% Cash Back | 6% Online Shopping | Waived | | EarnMORE UnionPay Card | Massage Chair | 2% on all purchases | Waived | | Hang Seng Cathay Mastercard | 100,000 Miles | Dining/Online/Foreign Currency $4/Mile | 1.95% | | DBS Black World | 42,000 Miles | Overseas $4/Mile | 1.95% | | Bank of China Motion | 10% Cash Back | Restaurants/Online 6% | 1.95% | | BEA World Mastercard | HK$800 Cash Back | Overseas/Online Foreign Currency $4/Mile | 1.95% | | HSBC MMPower | Overseas 6% + FUN Dollar | Online Shopping 5% +FUN Dollars | 1.95% | | Hang Seng Smart Card | HK$1,200 Cash Back | Designated Merchants 5% | Waived | | Bank of China Chill Card | HK$500 Cash Back | Designated Entertainment Merchants 10% | Waived | | Citi PremierMiles | 20,000 Miles | Overseas/Foreign Currency $3/Mile | 1.95% | | HSBC EveryMile | 20,000 Miles | Designated Spending $2/Mile | 1.95% |

The AEON CARD WAKUWAKU offers a 6% cash rebate on online purchases, and a unique 3% cash rebate for spending in Japan—a must-have for trips to the Land of the Rising Sun! Within 60 days of card issuance, spend HK$8,000 or more. Enjoy up to 10% cashback when using Apple Pay and Google Pay! When you use your AEON credit card for overseas transactions, AEON waives all foreign currency transaction fees!

🌟 Annual Fee: Permanently waived
🌟 Foreign Currency Exchange Fee: $0
🌟 Welcome Gift:

1. Within 60 days of card issuance, accumulate a spending amount or successfully complete an AEON merchant interest-free installment plan with a total amount of HK$8,000 or more. Apple Pay and Google Pay transactions can enjoy up to 10% cashback, with a maximum rebate of HK$500.
2. Within 60 days of card issuance, complete the following designated spending categories to receive HK$50 cash rebates for each task, with a maximum total of HK$200 cash rebates:
   • Set up Auto-Recharge on Octopus using this card and complete the first automatic recharge transaction
   • Pay Hong Kong dollar rent using Rentsmart, Reap or Keychain Pay platforms
   • Set up monthly auto transfers with this card and successfully complete at least one auto transfer transaction
   • Make purchases through App Store or Google Play
3. Additional Welcome Gift: From now until September 2nd, apply via the link below, enter the promo code "MHWAKU", and receive a HK$200 Wellcome shopping voucher + HK$200 cash rebate.

Finding cashback calculation too tedious? Then we recommend the EarnMORE UnionPay Card, offering a flat 2% cash rebate for all local, overseas, and online purchases. After registering for Taiwan spending, you can enjoy an additional 3% rebate. Apply through the link below before December 31st and receive amazing welcome gifts!

🌟Annual Fee: Diamond Card HK$1,500
🌟Foreign Currency Exchange Fee: $0
🌟Welcome Gift Choose Three:

1. Within 90 days of card issuance, upon reaching a qualified retail spending amount of HK$9,800, choose the OTO GoGo Relax 2.0 massage chair (VN-05)
2. Within 90 days of card issuance, upon reaching a qualified retail spending amount of HK$8,500, choose the German brand WiFi Smart UVC air purifier humidifier fan heater (EFB426HM-SC)
3. Within 90 days of card issuance, upon reaching a qualified retail spending amount of HK$8,500, choose HK$500 cash rebate

Applying for the EarnMORE UnionPay Diamond Card also grants you a HK$100 cash rebate immediately upon approval!

HSBC Credit Card offers an attractive welcome bonus. Before August 31st, apply for a credit card through the link below and register for the offer to receive an extra HK$900 or 9,000 miles based on your total spending. 🌟 Annual Fee: HK$2,000 🌟 Foreign Currency Exchange Fee: 1.95% 🌟 Dining, Online, and Foreign Currency Spending: $4 = 1 mile 🌟 Welcome Bonus:

1. Spend HK$1,000 or more to earn 5,000 miles
2. Spend HK$5,000 or more to earn 15,000 miles
3. Spend HK$40,000 or more to earn 40,000 miles
4. Spend HK$100,000 or more to earn 60,000 miles

DBS嘅Black World Mastercard係一種全面的旅遊信用卡，除了海外消費享有$4/里外，喺Klook、Booking.com等各個旅遊平台預訂仲有折扣。於10月3日前經以下連結申請，可獲得迎新禮最高42,000里數！ 🌟年費：HK$3,600 (首年豁免) 🌟外幣兌換手續費：1.95% 🌟迎新禮： 1. 發卡後兩個月內經DBS Card+ app確認實體新卡，可獲得HK$50「一扣即享」折扣。 2. 發卡後三個個月內累積簽賬，即可獲得以下里數獎賞： 1. 滿HK$8,000合資格簽賬，獲得8,000里數。 2. 滿HK$20,000合資格簽賬，獲得12,000里數。 3. 滿HK$80,000合資格簽賬，獲得40,000里數。 3. 發卡後三個個月內使用八達通自動增值服務，並累積自動增值金額滿HK$1,000，獲得額外2,000里數。

The Citibank Motion Credit Card is a travel rewards champion! New cardholders can enjoy a 10% cash rebate on foreign currency spending for the first three months, along with a 6% rebate on dining and online purchases throughout the year, totaling an impressive 16%! Apply before January 2nd, 2025, and start exploring the world!

🌟Annual Fee: Regular Card HK$250~World Elite Card HK$3,800 (First Year Waived)
🌟6% Cash Rebate on Dining and Online Purchases, Monthly Maximum Rebate HK$200
🌟Foreign Currency Exchange Fee: 1.95%
🌟Welcome Gift Choose One:

1. Within 3 months of card issuance, enjoy a 10% cash rebate on foreign currency spending, up to HK$1,000
2. Within 2 months of card issuance, accumulate HK$6,000 in retail spending, receive a HK$600 cash rebate

The BEA World MasterCard's "BEA Rewards Points Plan" allows users to earn up to 4% cash back when spending at local eateries and overseas until December 31st, a total of 10 times the points! Users can also choose another plan to accumulate flight miles with an overseas or online spending rate of $4=1 mile, equivalent to a 2.5% return! When using Apple Pay / Google Pay / Octopus at designated merchants, there is also a 12% cashback!

🌟 Annual Fee: HK$1,800
🌟 Foreign Currency Exchange Fee: 1.95%
🌟 Choose one of the following rewards:

1. Overseas/Online foreign currency spending $4=1 mile, local dining and designated retail spending $5=1 mile, other retail spending $8=1 mile
2. Local dining and overseas spending 4% cash back

🌟 Welcome Gift:

1. Spend HK$8,000 or more within 3 months of card issuance and receive HK$800 cash back
2. Within 3 months of card issuance, apply for the BEA GOAL credit card and meet World MasterCard spending of HK$8,000 and BEA GOAL HK$5,000 to receive an additional HK$500 cash back
3. Spend HK$21,000 or more between August 1st, 2024, and October 31st, 2024, to receive another HK$1,000 cash back

The Hang Seng Bank MMPower Credit Card is not only popular for buying concert tickets but also a hot choice for travel! Just register for the rewards program, and you can enjoy 6% overseas currency + FUN Dollars rebates! You can earn up to $500 in FUN Dollars each month! You can also enjoy the exclusive privileges of World Mastercard, making your travels stylish!

🌟 Annual Fee: HK$1,800
🌟 Online Retail Spending: 5% + FUN Dollars
🌟 Foreign Currency Exchange Fee: 1.95%

The most notable feature of the Standard Chartered Smart Card is that it waives overseas and foreign currency retail transaction fees, and you can enjoy a 0.56% cash rebate! The Smart Card offers permanent annual fee exemption and waiver of cash advance service charges, providing travelers with a convenient and worry-free overseas shopping experience! Locally at designated merchants, you can also enjoy a 5% cash rebate. New users who submit their applications before October 2nd and reach the eligible spending amount will receive an additional HK$800 cash rebate! 🌟 Annual Fee: Permanent Waiver 🌟 Foreign Currency Exchange Fee: $0 🌟 Welcome Gift: After card issuance, accumulate HK$3,500 in eligible spending within one month to enjoy a welcome gift of your choice.

• HK$800 Cash Rebate
• Two Hong Kong Olympian City Privileges Vouchers

🌟 Designated Merchant Cash Rebate: 5%

• Daily Necessities: 759 Store, OK Convenience Store, HKTVmall, Japan Centre, Wellcome
• Beauty & Healthcare: SaSa Hong Kong, Watsons
• Dining: Deliveroo, McDonald's
• Sports & Leisure: DECATHLON, Klook, Citybus HK Ticketing, designated online video and music streaming platforms
• Digital Life: China Mobile Hong Kong and s/ash

 

Earn a 5% cash rebate on eligible overseas and online spending with the Bank of China Chill Card! Enjoy a 10% rebate on designated entertainment spending, including movies and streaming platforms. All other merchants offer a 0.4% cash rebate! Plus, this card comes with a permanent annual fee waiver!

🌟 Annual Fee: Permanent waiver
🌟 Foreign Currency Exchange Fee: $0
🌟 Monthly Rebate Limit HK$150
🌟 Welcome Gift: HK$500 cash rebate
🌟 Chill Designated Entertainment Merchants:

• Movies and Entertainment: Cinemas throughout Hong Kong, Apple TV/Music, App Store, Disney+, Netflix, Nintendo, Youtube, Spotify, etc.
• Shopping and Leisure: McDonald's, Pacific Coffee, Starbucks, UNIQLO, GU, IKEA, LOG-ON

This card is perfect for those who frequently make large overseas or foreign currency transactions. Enjoy complimentary airport lounge access 12 times a year! Accumulate HK$20,000 or more in eligible spending each month, and when you spend overseas or online using foreign currency, enjoy a rate of HK$3 per mile. For spending below the threshold, you'll still receive HK$4 per mile. Plus, get free travel insurance! Apply before September 2nd via the link below to choose your welcome gift. 🌟 Annual Fee: HK$1,800 🌟 Foreign Currency Exchange Fee: 1.95% 🌟 Welcome Gift (Choose One): * Spend HK$8,000 or more in eligible transactions within 3 months of card issuance and maintain at least one eligible transaction each month to earn 20,000 miles. * Spend HK$1,000 or more in eligible transactions within 3 months of card issuance to receive a HK$300 cash rebate.

HSBC EveryMile is a miles-earning card with bonus rewards for designated spending like Netflix and Spotify, offering $2/mile cashback. Local and overseas transactions earn $5/mile, just like other HSBC credit cards, with rewards offered as "Reward Dollars" that can be freely chosen to redeem for miles, cash back, or gifts! 🌟 Free access to airport lounges 6 times 🌟 Complimentary travel insurance 🌟 Annual fee: HK$1,800 (waived for the first year) 🌟 Foreign currency exchange fee: 1.95% 🌟 Welcome offer: * Within 60 days of card issuance, spend a minimum of HK$8,000 on eligible transactions. New cardholders receive HK$800 in Reward Dollars, while existing HSBC credit cardholders receive HK$200 in Reward Dollars. * First HK$8,000 spent enjoys a redemption rate as low as HK$0.4/mile, totaling HK$200 in Reward Dollars. That means new customers can earn up to HK$1,000 in Reward Dollars, equivalent to 20,000 miles!