5 Best Debit Cards in Hong Kong [2026]

Looking for the perfect debit card in Hong Kong this year? 

Whether you're managing everyday expenses, travelling abroad, or simply seeking better perks and lower fees, the right debit card can make a big difference. With banks and fintechs constantly updating their offerings, 2026 has brought some standout choices that blend convenience and rewards.

In this guide, we’ve handpicked the 5 best debit cards available in Hong Kong right now. Each one offers a different mix of features, so you can find the one that fits your lifestyle, spending habits, and financial goals.

Here’s what you’ll find:
✅ The best cards for travel, family use, or digital convenience
✅ Cashback rates, fee structures, and multi-currency support
✅ Pros and cons of each card

Disclaimer: All information in this guide is accurate as of 11 June 2025 and may be subject to change. For the most up-to-date details, please refer to each debit card provider’s official website.

Best Debit Cards in Hong Kong at a Glance

1. HSBC Mastercard® Debit Card

The HSBC Mastercard® Debit Card pairs well with HSBC One or Premier accounts and supports spending in 12 currencies with no added fees. With cashback on retail purchases, app-based card management, and global HSBC ATM access, it suits both local users and international shoppers.

Key Highlights of HSBC Mastercard® Debit Card

• Spend in 12 currencies (e.g. HKD, USD, JPY, EUR, THB, GBP) with no extra fee if you have enough balance in that currency
• 0.4% cashback on eligible spending (local and international)
• Free ATM withdrawals at HSBC ATMs worldwide
• Manage card in-app: lock/unlock, set limits, alerts
• Up to 6 extra cards for family
• Comes automatically with HSBC One or Premier accounts

Fees for HSBC Mastercard® Debit Card

If your account doesn’t hold enough of a supported currency, HSBC converts the full amount from your HKD balance at Mastercard®’s rate with no extra HSBC fees.

For full details, see the HSBC Fees page.

Eligibility and Application for HSBC Mastercard® Debit Card

To get this card, you need to hold an HSBC One, Premier, or Jade account. If you’re not yet a customer, you’ll need to open one first.

How to apply via mobile app:

1️⃣ Log in to the HSBC HK Mobile Banking app

2️⃣ Tap ‘Explore products and services’

3️⃣ Select ‘Debit cards’, then tap ‘Start application’

Once your card arrives, activate it in the app by entering the expiry date under ‘Manage Debit Cards’.

For supplementary cards, be ready with the cardholder’s contact details. If they don’t bank with HSBC, you’ll also need to upload their ID.

Pros and Cons of HSBC Mastercard® Debit Card

2. Hang Seng Multi-Currency Debit Mastercard®

This Hang Seng Multi-Currency Debit Mastercard® supports 12 major currencies and offers 0.4%–0.5% cashback depending on your customer tier. With waived ATM and FX fees, app-based spending controls, and integration with Hang Seng’s mobile banking, it’s a practical choice, especially if you hold a Preferred or Prestige account, which are Hang Seng’s mid-to-premium banking tiers. 

Key Highlights of Hang Seng Multi-Currency Debit Mastercard®

• Spend in 12 currencies (HKD, USD, EUR, JPY, GBP, and more) directly from your account
• Cashback: 0.4% for Preferred Banking, 0.5% for Prestige customers
• Waived FX and ATM fees at HSBC/Hang Seng ATMs worldwide
• Control card settings in-app: set limits, track cashback, lock/unlock card
• Apply for up to 3 supplementary cards (minimum age 12)
• Works with Apple Pay, Google Pay, and other major wallets

Fees for Hang Seng Multi-Currency Debit Mastercard®

*Third-party ATM providers may charge an additional fee.

If your account doesn’t hold the correct currency, funds will be taken from your HKD balance at Hang Seng or Mastercard’s rate, which may vary by currency.

For a full breakdown of charges, refer to Hang Seng’s official tariff guide.

Eligibility and Application for Hang Seng Multi-Currency Debit Mastercard® 

You’ll need to hold a Hang Seng Preferred or Prestige Banking account to be eligible for this card.

How to apply via mobile app:

1️⃣ Log in to the Hang Seng Mobile App

2️⃣ Tap ‘Cards‘ > ‘Debit Card Application‘
3️⃣ Select the card type and complete the request

The card is usually delivered within 7 working days. You can also request supplementary cards for users aged 12 or above, even if they don’t bank with Hang Seng. ID documentation may be required.

Pros and Cons of Hang Seng Multi-Currency Debit Mastercard®

3. BOC Mastercard® Debit Card

If you want a card that handles both local and overseas spending without extra FX costs, this one checks the boxes. The BOC Mastercard® Debit Card gives users access to 12 currencies, unlimited cashback, and free local ATM usage through BOCHK and JETCO networks.

Key Highlights of BOC Debit Card

• 0.5% unlimited cashback on all retail purchases (online, local, and international)
• No FX fees if you use foreign currency balances
• Free ATM use in Hong Kong via BOCHK and JETCO
• Card controls, limits, and cashback check via app
• SMS/email alerts for all spending
• Family cards for age 11+
• Works with Apple Pay and Google Pay

Important: You’ll need to link your card to your foreign currency accounts using the BOCHK Mobile App. If you skip this, your spending will always be taken from your HKD account with currency conversion added.

Fees for BOC Debit Card

For the full list of charges, visit BOCHK’s official service charges page.

Note: Foreign ATM withdrawals from RMB/HKD accounts in Mainland China incur higher fees.

Eligibility and Application for BOC Debit Card

To apply, you must be a BOCHK customer aged 18+ with one of the following accounts: i-Free Banking, Enrich Banking, Wealth Management, or Private Wealth.

How to apply:

1️⃣ Download the BOCHK Mobile Banking App

2️⃣ Log in and select ‘Apply for Debit Card‘

3️⃣ Choose the account to link, and complete the request

4️⃣ Your physical card will arrive within about a week

Alternatively, apply at a BOC branch or call +852 3988 2388.

Pros and Cons of BOC Debit Card

4. Mox Card

Designed by Hong Kong’s leading virtual bank, Mox Card lets you pay directly from your Mox Account or switch to credit mode when needed. It’s ideal for those who want a modern debit card experience with the flexibility to earn rewards.

Key Highlights of Mox Card

• One card, two modes: spend via your Mox Account (debit) or activate credit when needed
• 0% FX fees on overseas or online transactions, whether in debit or credit mode
• Real-time spend tracking, budgeting tools, and card controls in the Mox app
• Numberless physical card for extra privacy and security
• Use instantly with Apple Pay or Google Pay upon approval

Note: Rewards only apply when using the credit mode. Regular debit purchases don’t earn cashback or miles.

Fees for Mox Card

See full fee details in the Mox Credit Key Facts Statement.

Eligibility and Application for Mox Card

You must first open a Mox Account to apply for the card.

To get the card:

1️⃣ Open a Mox Account with your HKID via app

2️⃣ Use the debit function immediately

Optional: apply for Mox Credit directly in-app

Approval time varies. Rewards (cashback or miles) are only available with credit mode and may depend on your balance.

Pros and Cons of Mox Card

5. ZA Bank ZA Card

Built for digital-first banking, this card lets you manage everything from your phone, from card security to spending limits. The ZA Card by ZA Bank, Hong Kong’s first virtual bank, provides free local ATM access, a numberless design, and flexible features without annual fees.

Key Highlights of ZA Bank ZA Card

• Choose the last 6 digits of your card number for a personalised touch
• No annual fees or local ATM withdrawal charges
• Free withdrawals at 3,000+ ATMs in Hong Kong with Visa support
• Card has no printed CVV, expiry date, or signature for extra security
• Manage everything in the app: lock card, set limits
• Works with Apple Pay, Google Pay, Visa payWave

Fees for ZA Bank ZA Card

For the full list of applicable fees, refer to ZA Bank’s official rates list.

Tip: Always pay in the local currency to avoid extra charges.

Eligibility and Application for ZA Card

To apply for the ZA Card, you must be at least 18 years old, hold a ZA Bank account, and use the ZA Bank mobile app, available on iOS, Android, and as an APK download.

How to apply:

1️⃣ Open a ZA Bank account via the ZA Bank app (takes as little as 2 minutes)

2️⃣ Once onboarded, request your ZA Card directly within the app

3️⃣ Choose your card number and set up your card preferences

4️⃣ The physical card is optional and can be activated and managed entirely via the app.

Pros and Cons of ZA Bank ZA Card

How to Choose the Right Debit Card in Hong Kong

Choosing the right debit card isn’t about picking the one with the most features, it’s about finding the one that fits your lifestyle. Here’s how to make the right choice.

Card Network Compatibility

Most debit cards in Hong Kong run on Visa or Mastercard®, both widely accepted locally and abroad. So the better question to ask is: Will this card work where I actually spend?

If you travel or shop internationally, either network will do the job, but check whether your card charges foreign transaction fees, as that will impact your travel costs more than the network itself.

Tip: UnionPay isn’t covered in this guide, but if you travel mainly to Mainland China, it’s a network worth considering due to strong regional coverage.

Cashback and Rewards Programmes

Not all rewards are created equal. Ask yourself: Will I actually benefit from this cashback or points system?

For example:

• BOC offers 0.5% unlimited cashback on eligible retail spending.
• Citibank offers up to 1% cashback, but only on local purchases.
• Virtual banks like WeLab and ZA Bank currently do not offer cashback, so if rewards are a priority, they may not be your best bet.

If you spend a lot on groceries, transport, or dining, look for a card that offers straightforward cashback in those categories. A card with benefits you’ll actually use will deliver far more value than one that looks good on paper.

Common Fees to Watch

Even cards with strong features can lose value if the fees catch you off guard. Think about: Which charges apply most to how I spend?

• ATM fees: These vary based on the bank and network (e.g. HSBC vs JETCO).
• Foreign transaction fees: Can reach up to 1.95%, unless you use cards that support multi-currency wallets like HSBC or Citibank.
• Monthly account charges: Some banks waive them, while others apply fees if your balance falls below a certain threshold.

Some virtual banks don’t support overseas ATM withdrawals at all, which can catch you off guard if you're relying on them while travelling.

If you’re fee-conscious, prioritise cards that minimise charges on the types of transactions you make most often.

Security and Mobile Controls

All modern debit cards offer basic protections, but some go a step further with mobile-first safety features. Ask yourself: Do I want more control over how and when my card is used?

Many cards now let you:

• Freeze/unfreeze your card instantly
• Limit ATM withdrawals or online use
• Disable overseas spending when not travelling
• Use a numberless card (e.g. WeLab) for added privacy

For those who value real-time control and peace of mind, choosing a card with strong digital security tools makes everyday use much safer.

Ease of Application

Some cards are quicker to get than others, especially if you're new to Hong Kong.

• Virtual banks like ZA and WeLab offer a same-day digital setup without requiring a branch visit or initial deposit.
• Traditional banks (HSBC, Citi, BOC) may require proof of address and, in some cases, a branch appointment, especially for expats.

Note: You’ll need a valid HKID to apply for any Hong Kong debit card, even with virtual banks. Expats can usually open an account after arrival.

If you're looking for speed and convenience, virtual banks make onboarding much easier, while traditional banks may be better for broader financial services in the long run.