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Most ATMs in Hong Kong won’t charge you fees for cash withdrawals — so if you need some cash once you land, you can get it at the airport ATMs. You’ll be charged for the currency conversion, though, unless you opt for a credit card with no foreign transaction fees.
Consider getting a travel credit card for your trip to Hong Kong. Common features of these cards include rewards for your travel purchases and no foreign transaction fees. You might even be able to get to Hong Kong using your credit card rewards.
When you use your card in Hong Kong, you may incur fees for:
Yes, you can. But you can easily avoid them if you get a credit card without foreign transaction fees and, when offered, decline the DCC.
American Express cards aren’t as widely accepted in Hong Kong as Mastercard and Visa, but the Platinum Card® from American Express will get you access to the Centurion Lounge in Terminal 1 at Hong Kong International Airport. If you’re looking to withdraw cash with an Amex card, look for AEON Credit Service ATMs.
Discover cards are rarely accepted at merchants, but you can pay with your Discover card wherever the Discover and Diners Club International logos appear. If you’re trying to find an ATM, look for Citibank or Bank of East Asia to withdraw cash.
| Visa |  High | High |
| Mastercard | High | High |
| American Express |  Medium | Medium |
| Discover |  Low | Low |
Getting cash with your credit card in Hong Kong has more favorable exchange rates than if you exchanged cash. The only fee you may pay is for cash advances, which can be up to 5% of the transaction, depending on your card. This means you’ll pay a $25 fee for a $500 cash withdrawal.
Most credit cards have a high cash advance APR, too. In this case, you can look into a debit card since they usually don’t have a cash advance fee or APR.
No. But you can use Uber and pay for a rideshare with your card through the app.
In Hong Kong, most credit cards are chip without a PIN cards. In some cases, if your PIN has four digits, you may need to add two zeros at the end for it to work.
Yes, it’s safe to use your card in Hong Kong. But for added security, always try to:
If you travel to Hong Kong often, you could probably use a card like the Asiana Visa Signature® Credit Card by Bank of America. It doesn’t have foreign transaction fees, and you’ll earn miles on your purchases, which you can redeem for flights between the US and Hong Kong.
Hong Kong is a credit-card-friendly territory. You shouldn’t have any issues using your plastic to pay in most places. Taxis are the only service that won’t accept credit cards, but if that’s the case, you can always call Uber and pay through the app.
Remember to check out a travel card to avoid paying foreign transaction fees, and always decline DCC if offered.
See more guides on using a credit card in other countries.
