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Top 6 Credit Cards with Low Annual Fee in Hong Kong

 Having a credit card is becoming more of a necessity now, especially more so when the internet is increasingly becoming integrated with everything we, which includes online payment and shopping. Most credit card companies charge a large amount of annual fee for using their services but some of them offer from low annual fees to close to none!

Here is a simple table summary showing  the best credit cards with the lowest annual fee right now, as well what they are best suited for.

Credit CardAnnual FeeBest For
Bank of China Esso MasterCardPerpetual annual fee waiverFuel Discounts
CCB Eye Credit CardPerpetual annual fee waiverOnline Shopping
Standard Chartered Asia Miles Credit CardHK$ 1,800Asia Miles
CitiBank American Express CardFirst-year annual fee waiverCashback
Public Bank Hong Kong Credit CardPermanent annual fee waiver to principal and supplementary cardholdersOverseas spending
HSBC Advance Platinum Credit CardPerpetual annual fee waiver; applicable to addt’l cardsExclusive year-round dining offers

1. Bank of China Esso MasterCard
Best for: Fuel Discounts

Bank of China partners with ExxonMobil to give its customers fuel discounts plus gift points that you can use for hotel, resorts, or gift privileges!

Welcome offer:

Total HK$ 500 Synergy Petrol Coupon
Supplementary card gives main card holder 25,000 gift points (maximum of 225,000 gift points)
Esso Petrol discount offer:

Offer 1: Bank of China Esso Platinum MasterCard up to 3% spending credit reward
Offer 2: Smiles instant petrol discount HK$ 0.9 / liter
Offer 3: Earn smiles points

Perpetual annual fee waiver for main and supplementary cardholders
Up to 24-month interest free installment for retail purchases at select merchants
Up to 56-day interest-free repayment period
Octopus Automatic Add-Value Service
Gift rewards program (HK$1 = 1 Gift Point)
Priority Pass – access to airport lounge worldwide
2. CCB Eye Credit Card
The CCB Eye credit card is specifically for people addicted to online shopping, as they have said It themselves. Enjoy online shopping while earning bonus points for doing so!

Welcome gift offers for spending HK$3000 within 3 months of card issuance:

LE MAURICE PUZZLE Collection 20″ & 28″ Suitcases Set
MAX 4K Ultra HD Camera
HK$500 Supermarket cash coupon

No annual fee
5X Bonus Points via online shopping
5X Bonus Points Reward Program
5X Bonus Points by using Visa payWave
3. Standard Chartered Asia Miles Credit Card
Best for: Asia Miles

For those eager to travel racking up Asia miles while spending either locally or overseas, this card is for you! Save money for travelling by shopping!


HK$4 = 1 Asia Mile point on overseas spending
HK$6 = 1 Asia Mile point on local spending
Additional HK$2 = 1 Asia Mile when you present your card for billing at designated dining partners
Asia miles mileage renewal and transfer fee 20% discount
4. CitiBank American Express Card
Best for: Cashback

Who doesn’t want to spend on transactions and get their cash back as well? In that case, CitiBank has the best cashback credit card for the thriftiest of people.

Welcome offer:

HK$ 800 cash coupon

Annual fee waiver for the first year
1% cash rebate at other designated merchants
2 % cash rebate on dining purchases
No registration required – straight to your credit account
Global Assist – Assistance Hotline
5. Public Bank Hong Kong Credit Card
Best for: Overseas spending

No need to worry when you shop overseas, Public Bank Hong Kong has you covered with assistance where you need it, most especially in regards to financial services!

Welcome gift:

HK$ 300 spending credit

Permanent annual fee waiver
Cash rebate up to 0.6%
Octopus Automatic Add-Value Service
24-hour Global Assist Service
Free net banking service
Waived bank charge for overseas spending
6. HSBC Advance Visa Platinum Card
Best for: Dining

The Advance Visa Platinum card works best for people who love dining out in restaurant chains by Grand Hyatt Hong Kong, the Courtyard Marriott, and other luxury hotels with up to 20% discount!


Perpetual annual fee waiver, applicable to additional cards
Visa payWave function
HSBC Visa Platinum Card privileges
home&Away privileges applicable to over 160 countries
Exclusive shopping offers at local chains offered by Private Label cards
Final Thoughts
You don’t have to spend an exorbitant amounts of money to pay for credit cards. Oftentimes there are those credit cards that benefit you in such a way that suits your lifestyle as well as having almost no fee for using them! Did we miss any credit card that has a low annual fee with added benefits? Type it out in the comment section!