To repay, just like the mainland, 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. 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 Macao pass or passport. A mailing address is required in Hong Kong, because banks Letters (such as monthly statements, statements, payment receipts, etc.) need to be sent to the account holder.

In addition, different banks and different card types have their own requirements. For example, HSBC Premier Credit Card requires applicants to be HSBC Premier customers. To become an HSBC Premier banking customer, you must ensure that the total account value is higher than HKD 1 million.

Applicants for the HSBC Advance Platinum Visa Card are only limited to HSBC Advance customers. To become an HSBC Advance customer, you must ensure that the total account value is HKD 200,000 or above. HSBC Visa Signature Card requires applicants to have an annual salary of HK$480,000 or assets of HK$600,000 or above.

For Hong Kong personal bank cards, there are much fewer restrictions. Applicants are usually required to provide the following documents:

1. ID card: ID card is a necessity for opening a bank account, both at home and abroad, so it needs to be kept carefully.

2. Pass: If you can go to Hong Kong, you must have a Hong Kong and Macau pass, but you must keep it carefully. If you lose it accidentally, you will not only be unable to open a bank account, but it will also cause other troubles.

3. Account opening funds: Usually banks in Hong Kong have minimum deposit requirements when opening a personal account. Therefore, you need to bring enough funds, and you can deposit cash or credit card in advance.

4. Proof of address: There are many documents that can be used as proof of address, such as water, electricity and gas bills, telephone bills, and property notices, but the prerequisite must be a public-to-private letter (that is, a letter issued by the company to an individual) , and the name and address of the account holder must be clearly written).