Credit cards

The Bank of East Asia, Limited

BEA AIA Credit Card

Annual feeTo be verifiedPurchase APRTo be verifiedMinimum incomeTo be verified

3%Retail spending at physical or online merchants (the 3X bonus point reward includes base points; points cannot be used to redeem Asia Miles)

Source: BEA AIA Credit Card · Updated 21 Sep 2026

American Express International Incorporated

American Express Platinum Credit Card

Annual feeHK$2,200Purchase APRTo be verifiedMinimum incomeTo be verified

3%Overall earn rate, up to (HK$1 = up to 3 points)

6%Selected local supermarkets, gas stations and convenience stores, 2X bonus for a total of up to 6 points per HK$1 (equivalent to up to 2% cash back)

Source: Amex Platinum Credit Card · Updated 21 Sep 2026

American Express International Incorporated

The Platinum Card

Annual feeHK$9,500Purchase APRTo be verifiedMinimum incomeTo be verified

9%Eligible spend in Foreign Currencies Spending, Designated Travel and Designated Everyday Spend Merchants (registration required), up to, as low as HK$2 = 1 mile

Source: The Platinum Card · Updated 21 Sep 2026

American Express International Incorporated

American Express Gold Credit Card

Annual feeHK$600Purchase APRTo be verifiedMinimum incomeTo be verified

2%Turbo Program: HK$1 = 2 points; Turbo enrollees can at anytime transfer points to any airline program; points never expire

1%Basic Program: every HK$1 spent gets 1 point; points never expire

Annual fee waiverFirst-year annual fee waived; the second-year card fee is waived by spending HK$24,000 or more a year

Source: Amex Gold Credit Card · Updated 21 Sep 2026

American Express International Incorporated

American Express Explorer Credit Card

Annual feeHK$2,200Purchase APRTo be verifiedMinimum incomeTo be verified

10.75%Eligible foreign currency transactions via the Foreign Currency Bonus Program (enrollment required), up to, as low as HK$1.68 = 1 mile

6%Eligible Hong Kong dollar transactions via the Local Spend Bonus Program (enrollment required), up to, as low as HK$3 = 1 mile

Annual fee waiverFirst-year annual fee waiver for New Cardmembers spending HK$30,000 in the first 3 months; the following year's fee is waived by spending HK$150,000 annually

Source: Amex Explorer Credit Card · Updated 21 Sep 2026

American Express International Incorporated

American Express Essential Credit Card

Annual feeTo be verifiedPurchase APRTo be verifiedMinimum incomeTo be verified

3%Eligible foreign currency transactions

2.5%Eligible Hong Kong dollar transactions via the Local Spend Bonus Program (enrollment required), up to

Source: Amex Essential Credit Card · Updated 21 Sep 2026

American Express International Incorporated

American Express Credit Card

Annual feeHK$180Purchase APRTo be verifiedMinimum incomeTo be verified

2%Turbo Program: 2 points per HK$1 spend, transferable at anytime to any airline program

1%Basic Program: every HK$1 spent gets 1 point; points never expire

Source: Amex Credit Card · Updated 21 Sep 2026

American Express International Incorporated

Blue Cash Credit Card from American Express

Annual feeHK$980Purchase APRTo be verifiedMinimum incomeHK$150,000

1.2%Everyday purchases, in town and overseas (unlimited, all year-round)

1.2%Cashback automatically credited to your account every month

Annual fee waiverFirst-year annual fee waived; the following year's fee is waived by spending HK$25,000 annually

Source: Amex Blue Cash Credit Card · Updated 21 Sep 2026

AEON Credit Service (Hong Kong) Limited

AEON CARD WAKUWAKU

Annual feeHK$0Purchase APRTo be verifiedMinimum incomeTo be verified

6%Online spending

6%Spending in Japan

Welcome offerWelcome offer: combined rebates up to HK$900 (paid in WAKU COIN)

Source: AEON CARD WAKUWAKU · Updated 21 Sep 2026

AEON Credit Service (Hong Kong) Limited

AEON UnionPay Card

Annual feeTo be verifiedPurchase APRTo be verifiedMinimum incomeTo be verified

6%Spending in Mainland China / Macau / Taiwan (Reward One)

6%Other foreign currency / overseas spending (Reward Two)

Welcome offer“Reward the World” campaign: total rebates up to HK$900 over the whole period (extra reward)（Until 31 Oct 2026）

Source: AEON UnionPay Card · Updated 21 Sep 2026

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