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Plenty of millionaires and billionaires flaunt their wealth at shopping districts, hotels, or cruise ships all around Hong Kong and because of their wealthy lifestyle local banks offer their credit cards as a thank you for spending excessive amounts of Hong Kong dollars on credit.
Maybe you are not yet eligible for most of these as they are invitation only, some have a certain amount of spending required, either way wouldn’t you want to know just what makes them better than your standard credit card?
Below is a list of the most prestigious credit cards you can get in Hong Kong.
| Credit Card | Best For… |
| HSBC Premier MasterCard Credit Card | RewardCash rewards program |
| Citibank Prestige Card | Travel rewards |
| American Express Platinum Card | Turbo rewards program |
| American Express Peninsula Platinum | Turbo rewards program |
| Standard Chartered Priority Banking Credit Card | 360° Rewards program |
| Bank of China Visa Infinite Card | Travel rewards |
| Hang Seng Visa Infinite Card | Shopping |
1. HSBC Premier MasterCard Credit Card
Best for: RewardCash rewards program
An invitation-only card, you would need to have an annual income of HK$1,500,00 to be eligible. The Premier card also gives you bonus rewards from the Master Card Traveler rewards program.
Benefits:
- RewardCash for gift and mileage redemption
- Up to 6X RewardCash for spending (rebate at 2.4%)
- 7% off in Agoda.com on select hotel bookings
- 10% off in Expedia on select hotel bookings
- Perpetual annual fee waiver
2. Citibank Prestige Card
Best for: Travel rewards
A minimum annual income of HK$ 600,000 or higher is needed to qualify for this card, and most of its rewards come from travelling.
Benefits
- Welcome offer of 180,000 points (15,000 miles) upon payment of annual fee of HK$2,500
- HK$6 = 12 points (1 mile) on local spending
- HK$4 = 12 points (1 mile) on overseas spending
- Up to 30% extra Annual relationship points
- Priority Pass gives you unlimited complimentary global airport lounge access
- Complimentary 4th night at any hotel
- Travel insurance
- Extended warranty insurance
3. American Express Platinum Card
Best for: Turbo rewards program
With an annual fee of HK$ 7,800, this invitation-only card is most befitting for people who will use AmEx’s turbo rewards program where they can enjoy hotel, resorts, and airport privileges all over the globe.
Benefits:
- Priority Pass – Unlimited access to VIP airport lounges worldwide
- Fine Hotels & Resorts program
- Complimentary hotel membership
- Dedicated 24/7 travel service
- Travel insurance
- 24/7 card and concierge services
- Turbo program – HK$1 = 2 points and converts to 1 air mile every HK$7.5 spent
4. American Express Peninsula Platinum
Best for: Turbo rewards program
More exclusive than the Platinum Card, it has all the benefits of the previous card with additional discounts to Peninsula hotels.
Benefits:
- Peninsula privileges such as discounts and complimentary second night at Peninsula hotels worldwide
- Priority Pass – Unlimited access to VIP airport lounges worldwide
- Fine Hotels & Resorts program
- Complimentary hotel membership
- Dedicated 24/7 travel service
- Travel insurance
- 24/7 card and concierge services
- Turbo program – HK$1 = 2 points and converts to 1 air mile every HK$7.5 spent
5. Standard Chartered Priority Banking Credit Card
Best for: 360° Rewards program
Priority Banking credit card features a Priority Banking 360° rewards program that doesn’t just reward points for spending, but also for account balances as well.
Benefits:
- HK$1 = 2 points
- Perpetual annual fee waiver
- 360° Rewards Points on all bank accounts with Standard Chartered
- 3X points on overseas spending
- 2X points on local spending
- 1X point on insurance payment
- Priority pass to VIP airport lounges all over the world
- Travel accident insurance
- Airport limousine service is 48% off
- Visa payWave function
- Dining privileges and offers
6. Bank of China Visa Infinite Card
Best for: Travel rewards
By invitation-only, BoC Visa Infinite boasts luxurious travel rewards such as discounts on reservations, and receiving more points for overseas spending.
Benefits:
- 6X Reward gift points for dining and overseas spending (HK$2.5 = 1mile)
- All-around assistance and concierge service
- 48% off on airport limousine pick up service
- Priority pass to VIP airport lounges worldwide
- Complimentary travel insurance up to $1,000,000
- Gift points reward program (HK$1 = 1 point)
- 56-day interest-free payment period
7. Hang Seng Visa Infinite Card
Best for: Shopping
The ultimate card for someone who enjoys shopping, it has no pre-set spending limit so you can enjoy spending till you drop, and it also gives you access to members-only private clubs in Hong Kong.
Benefits:
- 6X Cash dollars on overseas and online spending
- Interest-free installment purchases with net amount of HK$5,000 or above at local merchants
- Priority Pass- Access to airport lounges world wide
- 48% off on airport limousine pick-up service
- Travel insurance of up to HK$7,800,000
- Luxury hotel privileges
- Discounts and complimentary offers for car rentals
Final Thoughts
So there you have it, the best of the best exclusive and most prestigious credit cards in all of Hong Kong. Are you interested in applying for one? Maybe you have another premium credit card you want to share? Let us know in the comment section below!