Hong Kong Money Saving Guide:

Credit Cards

Prepared by
Let the plastic work for you
Credit cards have one of the fanciest
advertisements in Hong Kong, with the likes of
Moses Chan and Louis Koo gracing every
billboard, encouraging more credit card
spending among city dwellers.
But behind the veil (or billboard) lays
complicated pricing structures, rigid Terms
and Conditions (T&Cs) in tiny imprints and
hidden costs which make you wonder if you
have fallen victim to a scam.
The key to avoid these bobby traps is to
understand each credit card (and bank) in
detail. With this guide, I hope to turn you into
the hunter (instead of the hunted). Search for
the hidden gems which reward you generously.
After missing out on credit card rewards for
the past 3 years, I have finally decided to
maximize my perks via credit card spending. I
have spent the last month weaving through
their websites and spamming customer service
hotline to find the best credit cards for my
spending habits. And now, Im sharing with
my friends and whoever is interested.
*The recommendations below are completely
independent. Im not receiving any
commission.
I also run a blog - Squeezing Money on
general money saving tips.
Like me! Email me!
Follow me!
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Before your start:
Pick your favourite rewards
Its extremely difficult to redeem all forms of
rewards. The best way to is pick 1-2 rewards
(flights, rebate etc) which suit you the most, and
concentrate all your spending with the respective
cards.
Avoid these charges at all costs
Annual Fee:
Definition: Fee automatically charged once a year
for the convenience of the credit card
What it really is: A punishment from banks (with
annual fee) if you do not pay homage to them
every year.
Easiest way to avoid the fee:
Mark it on your diary every year to call up the
bank and waive the fee. It takes only 3 minutes.
*In this guide, I will explicitly mention if the
annual fee cant be waived. For others, as long as
you call them up every year, its possible to waive.
Late Payment & Interest Rate:
Definition: Fee charges if you miss your monthly
payment
What it really is: A loan with interest rate akin to
borrowing from loan shark. This is where banks
earn the bulk of their revenue from credit cards.
Easiest way to avoid the fee: Set your credit card
to autopay.
For a detailed guide on how credit card charges
really works, visit my post here.
Do not spend above your means
Credit card is ONLY a medium to facilitate
payment, so spend wisely!
Contents

1. Best Credit Cards for Asia Miles Redeem free flights; now plan your getaway! ........................... 4

2. Best Credit Cards for Free Airport Lounge Enjoy 5-star comfort before your departure.............. 7

3. Best Cashback Credit Cards No fuss, similar rebate ...................................................................... 9

4. Best Credit Cards for Local Online Spending Shop conveniently, and now with more discounts11

5. Best Credit Cards for Overseas Spending Your plastic travel companion ................................... 13

6. Best Credit Cards for Coffee Your beverage just got sweeter ..................................................... 16

7. Best Credit Cards for Movies A movie date? No problem!.......................................................... 17

8. Speed Dials for Credit Cards Skip annoying voice machine and reach a representative directly 18

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1. Best Credit Cards for AsiaMiles
Redeem free flights; now plan your
getaway!
The most popular credit card reward redemption.
Apart from actually flying those miles, some credit
cards give really good conversion rates so you can
quickly accumulate AsiaMiles just by charging your
daily spending to that credit card.
The best cards which I have recommended below are
not giving you the lowest spending per AsiaMiles, but
rather the most flexible (use it anywhere, anytime)
and the least costly.
1.2 DBS Black World Mastercard or
AMEX HKD6/ mile Local, HKD4/ mile
Overseas

1.1 Hidden costs: Five things you should

know about collecting AsiaMiles from
credit cards
Latest Welcome Offer for New Customers
Before we get too gung-ho about free flights, it's not (expires 31 Dec 2014):
exactly complimentary. Here are five hidden cost
you should know:
For AMEX:

AsiaMiles Conversion Cost

Probably the most annoying hidden cost ever! It's
so vague that you literally need to weave through
layers of T&Cs to find out the conversion cost. Most
banks charge you either an annual subscription fee
or pay-as-you-convert.
Free 3 days 2 nights stay at Anantara Resort
(Upon spending HKD 20,000 or above first 2
months). It's not entirely free, you still need
to pay for hotel service charges etc.
AND
HKD 2/ mile for Local Spending for the first
HKD 5,000 spent

Points with expiry date For Mastercard:

Raking up AsiaMiles for a flight ticket could take Free 3 days 2 nights stay at Anantara Resort
months, if not years. An expiry date on your points (Upon spending HKD 20,000 or above first 2
pretty much defeats the whole purpose. The last months). It's not entirely free, you still need
thing you wish is to spend unnecessarily to collect to pay for hotel service charges etc.
enough AsiaMiles for a flight because they are AND
expiring. HKD 3/mile for upon HKD 3,000 local
spending first 2 months (cap at HKD 10,000)
Tax and surcharge
Minimum HKD240,000
Income
And yes, flight tax and surcharge are not waived. So
Asia Miles Local Expenditure: HKD6 per
remember to factor those in.
Conversion AsiaMiles
Rate Overseas Expenditure: HKD4
Incentives for spending overseas? per AsiaMiles
Conversion Nil
No banks would provide free lunch. They want you Costs
to spend more overseas for a reason. I'm not going Points Nil
too much into details on the extra charges (hidden) Expiry
for overseas spending, you can read more on page
13.

No guarantee for flight ticket redemption

Saving up your AsiaMiles for a holiday during

Easter? Forget it. It's generally tough to redeem
tickets during peak season.

4
1.3 Standard Chartered WorldMiles
AMEX Card - HKD 5 / mile

Latest Welcome Offer for New Customers

(expires 31 Jan 2015):

If you apply both the WorldMiles AND the Platinum

Credit Card, you can enjoy HKD 1 for a mile spending
up to 46,000 AsiaMiles.

You can sign up now and grab the welcome offer

and accumulate till 30 March 2015. Convert all those
points before the date as you are entitled to a one-
time redemption waiver.

Minimum HKD 60,000 for

Income WorldMiles and HKD
150,000 for Platinum
Asia Miles HKD 5 per AsiaMiles for both
Conversion local and overseas spending
Rate
Conversion HKD 300 per conversion
Costs (Promotion: waived one time
redemption fee before 30 March
2015)
Points 3 years
Expiry

5
1.4 What about credit cards with lower
spending per mile?

Any AsiaMiles fan would have noticed that I have

missed out plenty of credit cards which are offering
lower spending per mile.

For beginners, I wouldn't recommend the cards

below because:

1) For cards with strict spending requirements, it's

hard to accumulate AsiaMiles.
2) The problem is compounded by an expiry date
3) You would soon realize the actual saving isn't
much after factoring in the cost of conversion (as
well as tax and fuel surcharge)

The credit cards below are useful for AsiaMiles fans

who wish to maximize their AsiaMiles. It entails
greater efforts (more cards to handle) and costs
(conversion fees).

Credit Cards Conversion Expiry Remarks

cost Date
HSBC Annual fee of 3 years HKD 1.51/mile with their 11x points by spending on a
Advanced/Premier HKD 300 category of your choice on Fridays

HSBC Signature Annual fee of 3 years HKD 1.19/mile with their 14x points by spending on a
HKD 300 category of your choice on Fridays. Take note it does
have an annual fee of HKD 2,000, and according to
customer service, it's difficult to waive.
Citibank Rewards HKD 50 per Nil HKD 3/mile with their 5x points by spending on
5,000 AM grocery, bill payments and department store

CCB Eye Card HKD 50 per 2 years HKD 3/mile with their 5x points by spending online
5,000
AM min
HKD 100
Fubon Elite HKD 50 per 1-3 As low as HKD 0.6/mile if for spending in Taiwan. HKD
Platinum 5,000 AM years 1.5/mile for spending in Japan. You need to register and
min HKD it's only for a certain period.
250 max
HKD 500

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2. Best Credit Cards for Free 2.2 Citibank PremierMiles Card - 4 times
Airport Lounge per year at Plaza Premium or Wellness
Spa in Hong Kong
Enjoy 5-star comfort before your
departure

Airport lounge is often reserved for elite business

travellers, but you can enjoy free meals, shower
facilities and WiFi connection for free with these
cards below.
Cards with Airport Lounge benefits often offer
subpar AsiaMiles spending rewards (at ~ HKD 8 /
mile) and to enjoy free airport lounge entry for
subsequent years, a minimum spending is required.
You can either meet the spending requirement or
alternate between 2-3 cards as the first year annual
fee is normally waived.
Latest Welcome Offer for New Customers (expires 31
Dec 2014):
4,000 AsiaMiles upon spending
HKD 5,500 to HKD 9,999 first 2 months
OR
10,000 AsiaMiles upon spending HKD
8,000 above first 2 months

E.g., at year 1, apply for AMEX Cathay. At year 2, Minimum Income HKD 480,000
cancel AMEX Cathay and apply for Citibank
PremierMiles Card (take note its limited to 4 times Free Airport 4 times per calendar
in HK a year). Upon year 3, you can apply back Lounge year to Plaza Premium or
AMEX Cathay because by then youll be deemed a Wellness Spa in Hong
new customer (after 12 months grace period). Kong
First year is waived. Subsequent years would be
2.1 AMEX Cathay Pacific Credit Card - based on spending, so just call and ask.
Priority Pass Lounge - Unlimited first
2.3 Standard Chartered Priority Banking
year, 4 entry subsequent years
Credit Card - Unlimited entry to Priority
Pass Lounges

Latest Welcome Offer for New Customers (expires

31 march 2015):

1,000 AsiaMiles if you apply online Minimum Requirement Must be a

AND member of SCB
Priority
5,000 AsiaMiles upon spending HKD Banking.
5,000 first 3 months Free Airport Lounge Unlimited entry to
Priority pass
Minimum HKD 300,000 lounges
Income The minimum requirement for deposit is as below (in
Free Unlimited entry for the first year HKD):
Airport to Priority Pass Lounges
Lounge 4 entry per year for subsequent
years to Priority Pass Lounges

Annual fee of HKD 1,800 is waived for the first

year. For subsequent years, it will be waived by
As long as you meet the priority banking
spending HKD 150,000 annually or if you hold the
requirements or accumulate HKD 150,000 of
Marco Polo Club Silver (waiver is still possible if
spending with the card, you can continue to enjoy the
you spend lower that the threshold, just call and
benefit.
ask).

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2.4 ICBC UnionPay Dual Currency
Credit Card For frequent travellers in
China

Latest Welcome Offer for New Customers

(expires 31 Dec 2014):

HKD 300 credit rebate upon spending above HKD

3,000 within 2 months of card issuance

*There are other welcome offers too but only if you

apply two credit cards from ICBC concurrently.

Minimum HKD 250,000

income
VIP For frequent travellers to
Lounge Mainland China, you can enjoy
Access in VIP Lounge Access in the Airport.
China Click here for details.

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3. Best Cashback Credit Cards
3.2 Citibank AMEX Cashback Card - 2%
No fuss, similar rebate
off Dining, 1% off everything else

For some of us, we just can't be bothered with

complex credit card point redemption schemes or
air miles which we'll never use anyway. So why not
just have a cash rebate back into the card so the
reward system runs by itself? Here's the list of
credit cards which give the best in terms of outright
cash rebates.
Latest Welcome Offer for New Customers (expires
3.1 Am I losing out? 31 Dec 2014):

You can't help but to second guess yourself if a no-
nonsense cashback credit card is the right choice,
especially when someone flaunts about redeeming
a free flight ticket to Paris with AsiaMiles. Chances
are he did not disclose how long he has
accumulated them and the hidden costs involved.
HKD 300 Cash Rebate upon spending
HKD 4,500 to HKD 8,999 first 2 months;
OR
HKD 600 Cash Rebate upon spending
HKD 9,000 first 2 months

To ease your worry, I have performed some basic Minimum HKD150,000

calculation for comparison.
AsiaMiles:
A return flight ticket to Paris requires
60,000 Asiamiles
Based on an average of HKD 5 spending
per mile (assuming you use Standard
Chartered WorldMiles - one of the lowest),
you would need to spend HKD 300,000
(HKD 5 x 60,000) for the redemption.
The flight (via Emirates) costs about HKD
7,000, and you will save only HKD 6,300
excluding tax and surcharge
Income
Credit 2% rebate on dining
Card 1% rebate on everything else
Rebate
Dining rebate is capped at HKD 50,000 per
statement cycle and transactions related to / made
at caterers, banquet services, private
parties/functions, private room events, dining
outlets in department stores, associations and
clubhouses will be excluded.

Total Discount: HKD 6,300 / HKD

300,000 = 2.1%

Grocery coupon:

With Citibank Rewards, you can redeem

one HKD 100 upon spending HKD 5,000
with their 5X points reward

Total Discount: HKD 100 / HKD 5,000

= 2.0%

For cashback credit cards, you would be able to

enjoy around 1% discount. Doesn't seem like a big
difference now. Think about how much time you
save without performing menial tasks of points
redemption.

So kiss those headaches goodbye!

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3.3 Dahsing ONE+ Credit Card - 1% off
everything

Latest Welcome Offer for New Customers (expires 31

Dec 2014):

Additional 4% rebate (total of 5% rebate) for

spending within first 3 months. The 4%
rebate is capped at HKD 300 per statement
cycle

Minimum HKD60,000
Income
Credit 1% rebate on everything
Card
Rebate

You can download the mobile app from Dah

Sing which notifies you of nearby sales and discounts.

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4. Best Credit Cards for Local
Online Spending
Shop conveniently, and now with more
discounts

Online shopping is quickly replacing retail

shopping and if you're one of them who are riding
on this new trend, check out the cards below.

4.1 CCB eye Credit Card - up to 2%

discount coupon

Latest Welcome Offer for New Customers

(expires 31 Dec 2014):

HKD 100 Haagen-daaz voucher for online

application

CUVILADY Air upon spending HKD4,800

or above first 3 months OR

Lomography Lomokino Camera / Short

Clip Recorder: upon spending HKD4,800
or above first 3 months OR

HKD200 Cash Rebate upon spending

HKD2,000 or above first 3 months

Minimum HKD 150,000

Income
Online 5X points for online spending,
spending equivalent to 2% discount if you
redeem coupons

You can even enjoy 5X points (for transaction

above HKD 500) with the VisaPayware "wave"
function.

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4.2. Best Credit Card for Online Spending
(only in Foreign Currencies)
4.4 DBS Eminent Card - 3% Rebate
My first recommendation is to sign up for UnionPay Online Spending in Foreign Currencies
credit card as they do not charge any foreign
exchange markup, essentially saving you ~2% and
any hidden fee. However, if they do not accept
UnionPay, here are some of your options (these cards
only provide rebate if you spend online in foreign
currencies):

4.3 Citibank Clear Card - 2% Rebate

Online Spending in Foreign Currencies Latest Welcome Offer for New Customers
(expires 31 Dec 2014):

Compact Photo Printer upon spending

HKD 15,000 above first 3 months OR

KKBox 12 months subcription upon

spending HKD 4,800 above first 3 months
OR
Latest Welcome Offer for New Customers
(expires 31 Dec 2014): HKD 200/HKD 600 cash rebate upon
spending HKD 4,800/HKD 10,000 first 2
HKD 240 cash rebate (up to 6%) upon months
spending of HKD4,000 to HKD7,999 first 2
months Minimum HKD 360,000
Income
HKD 480 cash rebate (up to 6%) upon Online spending 3% cash rebate for overseas
spending of HKD 8,000 or above first 2 spending (you have to
months register, spend at least
HKD 5,000 with the card
Minimum HKD 60,000 per month and subject to a
Income maximum rebate of HKD
Online 2% cash rebate for overseas 300 per month)
spending spending (subject to a cap of HKD
10,000 per statement cycle)

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5. Best Credit Cards for Overseas
Spending
Your plastic travel companion
5.1 Better rewards for overseas
spending do not make you better off
A quick look at a few banks on their foreign
exchange handling charges would tell that you have
to pay at least 2% additional charge for any
transaction other than HKD. That's EXCLUDING
any foreign exchange markup which typically is
around 1%. On average 3% additional charge for
overseas spending.
* I'm not picking on these banks. Almost all
the banks do have these charges and the below are
just for references.
As an example, for DBS Black Card, local spending
HKD 6 per Asia Mile v.s. overseas spending HKD 4
per Asia Mile. Assuming a 3% additional charge for
overseas spending, you need to spend HKD 4.12
(HKD 4 x additional 3% charge) per Asia Mile in
reality. It's still lower than the HKD 6 with local
spending, but DO remember this is additional
charge which you do not necessarily need to pay. In
a nutshell, you need to spend HKD 4 and pay HKD
0.12 (3% charge) to get an Asia Mile. Not worth it
in my opinion.
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5.2 Pick UnionPay, forget about
Visa/Mastercard/AMEX cards
How can we avoid those unnecessary charges? It's
not about which bank to choose from, but which
payment processor. UnionPay is known for
waiving foreign exchange handling fee and
markup. For those who are unfamiliar with
UnionPay, it's a payment processor from China
similar to Visa or Mastercard. More info here.
Note that some banks might still impose FX
conversion charge and it's hard to compare the
cheapest FX rate until you made a transaction
because it's not transparent. Do compare the
conversion (post spending) with the spot rate and if
it's far off, you should consider switching to other
banks.
Most banks in HK would offer a UnionPay credit
card. Here are some of the recommended UnionPay
credit cards, with additional perks:
5.3 Standard Chartered UnionPay Dual
Currency Platinum Credit Card
Latest Welcome Offer for New Customers
(expires 31 Jan 2015):
HKD 600 Cash Rebate by applying online and
spending above HKD 8,000 within 2 months of card
issuance
Minimum HKD 60,000 p.a.
income
Cash Extra 2% cash rebate on Hotels and
Rebate Food & Beverages in HK and all
spending in China by spending above
HKD 4,000 in each
month. Registration needed in each
period and maximum of HKD 200
rebate.
Option to Transactions made in Mainland China
repay in will be posted to your CNY account and
CNY you can choose to repay either in CNY
or HKD
Foreign Waived
Exchange
Handling
Charges
5.4 ICBC UnionPay Dual Currency 5.5 What about non-Union Pay credit
Credit Card cards?

Your best bet is to find a bank which waives the

foreign exchange handling charges.

5.6 Public Bank Credit Card

Minimum HKD 250,000

income
Latest Welcome Offer for New Customers Cash Monthly spending:
(expires 31 Dec 2014): Rebate 0.60% cash rebate (HKD 5,000
and above)
HKD 300 credit rebate upon spending above HKD 0.55% cash rebate (Between HKD
3,000 within 2 months of card issuance 2,500 to HKD 5,000)
0.50% cash rebate (Below HKD
*There are other welcome offers too but only if you 2,500)
apply two credit cards from ICBC concurrently. Foreign Waived for all foreign exchange
Exchange handling charges, although they
Minimum HKD 250,000 Handling will charge you 1%
income Charges (excluding FX conversion) for
Cash 0.5% cash rebate charges imposed by VISA.
Rebate
Option to Transactions made in Mainland Public Bank waived all foreign exchange handling
repay in China will be posted to your CNY charges, although they will charge you 1%
CNY account and you can choose to (excluding FX conversion) for charges imposed by
repay either in CNY or HKD VISA.
Foreign Waived
Exchange
Handling
Charges

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5.7 DBS Eminent Card - 3% Rebate For
overseas spending

Latest Welcome Offer for New Customers

(expires 31 Dec 2014):

Compact Photo Printer upon spending

HKD 15,000 above first 3 months OR

KKBox 12 months subcription upon

spending HKD 4,800 above first 3 months
OR

HKD 200/HKD 600 cash rebate upon

spending HKD 4,800/HKD 10,000 first 2
months

Minimum HKD 360,000

Income
Cash 3% cash rebate for overseas
Rebate spending (you have to register,
spend at least HKD 5,000 with
the card per month and subject to
a maximum rebate of HKD 300
per month)
Essentially it waived the foreign handling charges
because the fee is around 3%. Do take note of the
spending requirement and the maximum rebate
per month.

If you plan to maximise your AsiaMile points or get

some rewards for overseas spending, it's okay to
use those cards but do keep in mind that some
costs are avoidable. In the long run, a 3% charge
would only make a dent in your wallet. So choose
wisely!

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6. Best Credit Cards for Coffee 6.2 ICBC Xplore Visa Signature Card -
Your beverage just got sweeter Perfect for coffee dates: Buy 1 get 1 free at
Pacific Coffee

Most people couldn't live without their morning

coffee. Why not save a few bucks by using a credit
card which gives you a better deal! If you're trying
to shake off your coffee addiction, don't apply for
these cards.

6.1 DBS Eminent Card - 30% off Pacific

Coffee Minimum HKD 250,000
Income
Coffee Buy 1 get 1 free handcrafted
Deal beverage at Pacific Coffee

Worry not about spending more on coffee dates now!

They have other decent deals (though with spending
restrictions) so click here to check them out.
Latest Welcome Offer for New Customers 6.3 Manhattan Platinum Card - Free
(expires 31 Dec 2014):
Upgrade at Starbucks
Compact Photo Printer upon spending
HKD 15,000 above first 3 months
OR

KKBox 12 months subcription upon

spending HKD 4,800 above first 3 months
OR

HKD 200/HKD 600 cash rebate upon

spending HKD 4,800/HKD 10,000 first 2 Latest Welcome Offer for New Customers
months (expires 31 Jan 2015):

Minimum HKD 360,000 Upon spending HKD 5,000 or above first 2 months,
Income you can choose one of the following:
Coffee 30% off handcrafted beverage in HK$400 Shopping Voucher
Deal Pacific Coffee NOVA Foldable Bladeless Fan
OGAWA Foottee Therapy Foot Reflexology
OTO 24K Gold Face Beautifier
CINEMA FANS 1 year membership and 8
pieces of MCLSTAR Cinema Gift Voucher
10 pieces of The Grand Movie Voucher

Minimum HKD 150,000

Income
Coffee Free Upgrade at Starbucks
Deal

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7. Best Credit Cards for Movies 7.2 AMEX Platinum Credit Card - Buy 1
Movie date? No problem! free 1 on Fridays

Now spend less when you're out on a movie date

with the cards below:

7.1 Manhattan Platinum Card - Buy 1

free 1
Latest Welcome Offer for New Customers:

4 complimentary movie tickets if apply

online

HKD 500 Citysuper vouchers upon spending

HKD 5,000 or above first 3 months

Minimum HKD 300,000

Latest Welcome Offer for New Customers
(expires 31 Jan 2015):
Upon spending HKD 5,000 or above first 2
months, you can choose one of the following:
HK$400 Shopping Voucher
NOVA Foldable Bladeless Fan
OGAWA Foottee Therapy Foot Reflexology
OTO 24K Gold Face Beautifier
CINEMA FANS 1 year membership and 8
pieces of MCLSTAR Cinema Gift Voucher
10 pieces of The Grand Movie Voucher
Income
Movie Buy 1 get 1 free on Fridays at
PALACE, Broadway or AMC (not
applicable for 3D movies)
15% discount on regular priced 3D
movie tickets
15% discount on regular priced
tickets on all other days
Annual fee of HKD 1,600 cannot be waived!

Minimum HKD 150,000

Income
Movie 50% rebate anytime subject to
HKD 2,500 monthly spending
(registration is required and max
rebate of HKD 200 per month)

17
8. Speed Dials for Credit Cards
Skip annoying voice machine and reach a representative directly

Its an open secret that banks would not want anyone to call them. You probably spend as much time punching
the keypads as your conversation with a representative would last. Amidst the endless barrage of questions and
clueless promotions, it only boils down to frustration and makes you wonder why you made the call in the first
place (thus fulfilling their goal of minimizing calls from public). Not that I would mind if it was Scarlett
Johanssons voice, but all of them are nowhere near as sexy as Her.

This guide will prepare you with convenient speed dials to reach a representative as fast as your nimble fingers
can move. Straight through phone banking is often reserved for only the elite accounts (with at least HKD 1
million of balance), but now, you can boast the same.

Bank Phone Operating hours Language Speed dial after

Number selection language
Selection
Chinese Banks
Bank of China 2853 8828 24 hours 1 Canton #30
2 Chinese
3 English
China Construction 3179 5500 24 hours 1 Canton 2-*
Bank 2 Chinese
3 English
CITIC Bank 2280 1288 Mon Fri: 1 Canton 0-#
9:00 a.m. 9:00 2 Chinese
p.m. 3 English
Sat:
9:00 a.m. 9:00
p.m.
ICBC 2189 5588 24 hours 1 Canton 6-9
2 Chinese
3 English
Shanghai Commercial 2818 0282 24 hours 1 - Canton 3- 8
Bank 2 - Chinese
3 - English
Bank of 2239 5559 24 hours 1 - Canton 1-1-0
Communication 2 - Chinese
3 - English
Local Banks
Bank of East Asia 3608 6628 24 hours 1 Canton 3*8
2 English
3 Chinese

18
Dah Sing Bank 2828 8168 Mon Fri: 1 Canton 26
9:00 a.m. 10:00 2 English
p.m. 3 Chinese
Sat:
9:00 a.m. 5:30
p.m
Hang Seng Bank 2398 0000 24 hours 1 Canton 88
2 Chinese
3 English
Wing Lung Bank 3711 6688 24 hours 1 Canton Visa / Master: 1
2 English Card No.
3 Chinese CUP: 2 Card No.
Foreign Banks
Citibank 2860 0360 24 hours 1 Canton *2# 0 # 2
2 English
3 Chinese

DBS Bank 2290 8888 24 hours 1 Canton 18#

2 Chinese
3 English
HSBC 2748 8033 24 hours - 1 - 1 - 0 (canton)
1 - 2 - 0 (english)
1 - 3 - 0 (chinese)
Public Bank 3768 9700 24 hours -direct call- -direct call-

Standard Chartered 2886 4111 24 hours 1 Canton 2602

2 English
3 Chinese

OCBC Wing Hang 2543 2223 24 hours 1 Canton 1 - 1 0

Bank 2 English
3 Chinese
Fubon Bank 2566 8181 24 hours 1 Canton 1-0
2 English
3 Chinese
Non-Banks
American Express 2277 1010 24 hours 1 Canton 0 (they will prompt
2 English for
3 Chinese a card
number after this
but hold for few
seconds
if you dont have
one)

19
Disclaimer:

1. Recommendations are based on personal experiences. It does not constitute financial advice.
2. Always perform your own research on top to ensure it's suitable for your specific circumstances.
3. There might be mistakes within this guide. If you spot any, please email
to us@squeezingmoney.com and it will be corrected asap.
4. Information in this guide will get outdated and banks do change their policy frequently. This guide
will be updated from time to time.

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