
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
When you travel in Hong Kong, you can use your credit cards freely. Mastercard and Visa are more widely accepted than American Express and Discover cards, but there are ATMs and places where the latter two cards are also accepted.
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.
If you’re taking along a variety of cards, debit cards and cash, read our full guide on spending money while traveling in Hong Kong.
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.
Merchant acceptance | ATM acceptance | |
---|---|---|
Visa | ![]() | ![]() |
Mastercard | ![]() | ![]() |
American Express | ![]() | ![]() |
Discover | ![]() | ![]() |
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.
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.
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 Airlines 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.
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.
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.
Acorns alternatives offer lower fees and more investment options. Learn more.
Compare pros and cons of selling on Poshmark vs. Tradesy to help you get the most for your secondhand clothing, shoes and accessories.
Sephora regulars get to earn rewards on their purchases.
Help your child learn to spend and save wisely with a virtual, COPPA-compliant debit card.
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Here are our top balance transfer picks for 2021.
Here are our top picks for 2021.
Sigue offers speedy money transfers to 50+ countries, but you have to set up a transfer to see the transaction fees.
No fees or tips required to access this exclusive online banking feature.
The fee-free Upgrade Card offers 1.5% cash back, but it lacks many standard benefits.