How to apply for a Hong Kong credit card?

If you want to apply for a credit card from a Hong Kong bank, you need to first hold a local bank card in Hong Kong for repayment purposes. Usually, if you want to apply for a credit card from any bank, you need to apply for an ordinary bank card from that bank.

Different from the Mainland, when applying for a Hong Kong credit card, the applicant is required to be between 23 and 48 years old, provide his or her second-generation ID card, and must hold a Hong Kong and Macau pass or passport. In Hong Kong, There is a mailing address because the bank needs to send letters (such as monthly statements, statements, payment receipts, etc.) to the account holder.

Tips for using UnionPay credit cards in Hong Kong

Swiping a card is more cost-effective than withdrawing cash. When you swipe a card to make purchases at merchants with the "UnionPay" logo in Hong Kong, you do not need to pay any handling fees, but you do need to pay when withdrawing cash from an ATM. Cardholders pay a certain handling fee (the specific charging standards can be checked with the card-issuing bank), so it is recommended that you try to pay with your card when shopping.

Remind the cashier when checking out: "Please settle through the UnionPay network"

In Hong Kong, the same merchant may have multiple acceptance networks. If different networks are used, the billing amount will be different. different. In comparison, it is more economical to use RMB cards. Therefore, when shopping with a card, it is best to remind the merchant: "Please settle through the UnionPay network."

How to apply for a Hong Kong credit card

To apply for a Hong Kong credit card, you can apply for a credit card from HSBC Bank. The application requirements are as follows:

1. The principal card applicant must be at least 18 years old, a domestic resident must have a monthly salary of RMB 4,000 or more, and an overseas resident must have a monthly salary of RMB 10,000 or more;

2. Applicants for supplementary cards must be over 16 years old.

The annual fee for the main card of HSBC Lifestyle Credit Card is RMB 300, which includes a number of exclusive benefits. The annual fee for the first year will be waived after activating the card in the first year, and the annual fee for the next year will be waived after swiping the card 6 times. There is no annual fee for supplementary cards. Each customer can only apply for one set of HSBC China credit cards, and each primary cardholder can only apply for one set of supplementary cards.

Extended information:

If the HSBC Lifestyle Credit Card is illegally occupied due to loss or theft or robbery/robbery, general consumption transactions will occur due to credit card fraud within 48 hours before the official report of loss. If you suffer any capital loss caused by the card loss, you can get a lost card protection service of up to RMB 10,000.

If the HSBC Lifestyle USD Platinum Card is lost or stolen overseas, you only need to call the HSBC China Credit Card Service Hotline to get the emergency assistance services you need, including:

1. Emergency card replacement

2. Emergency cash advance

These services are provided by Mastercard. Mastercard will take a series of measures for you to prevent the old card from being used by others and ensure that the new card is timely issue, and can arrange for you to quickly obtain emergency cash advances at any of the more than 300,000 Western Union locations around the world.

HSBC-HSBC Lifestyle Credit Card

Can mainlanders apply for a Hong Kong credit card?

Mainlanders can open a bank account in Hong Kong, but they cannot open a credit card

No, because they need proof of personal information and other materials. Generally speaking, you need to be a resident with local residence qualifications.

Mainlanders never have a "credit record that proves their ability to pay their bills." The card-issuing bank/company will use this as the main basis for deciding how much credit limit to give you.

In addition, because there is a personal credit database (TrUnionLimited), when you sign the credit card application, you authorize the credit card company to check your credit card and all your loan records. Go to..._You want_bad records (credit card debts, overdue personal loans, etc., credit card companies check them). If you have bad records, they generally will not approve the card compared to your repayment ability

To apply for a credit card, the following documents are generally required:

(1) The applicant’s Hong Kong ID card.

(2) Bank statements/passbooks with your name, account number, bank name, salary certificate for the past three months, and the latest tax bill. If you are self-financed, please provide a copy of the business registration certificate and company tax form.

(3) Proof of current residential address, such as: bank statement/electricity bill.

(4) Other asset certificates (if any), such as time deposit certificates, etc.

If you are a self-employed person, such as a taxi driver, hairstylist, etc., you can try to present a document to prove your occupation, and also submit monthly income certificate ( The booklet shows the number from the left).

If your friend can provide the information required by the bank, basically every bank can apply for a credit card. ,Reference:me,

This is the end of the introduction about Hong Kong credit card application and Hong Kong credit card application approval. I wonder if you found the information you need?