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Zero or minimal annual fees with practical benefits. Ranked by lowest/waivable fees. Verified April 2026.
Curated by the Top10Grid editorial team. Rankings driven by community votes and updated daily.
Zero annual fee. No minimum spending requirement. 1% cashback on all purchases. Simplest no-fee option. Verified April 2026, SC website.
Annual fee HK$800 waivable with HK$100k+ annual spend. 1.5% cashback. Most users achieve waiver. Verified April 2026, Citibank website.
Zero annual fee for first 2 years, then HK$300 (waivable). 1% cashback. Simple entry-level option. Verified April 2026, BOC website.
Zero annual fee permanently. No minimum spending. Good for international transactions. Verified April 2026, BOA website.
Zero annual fee with category cashback (5% on choice categories). Waivable conditions make it practical free option. Verified April 2026, OCBC website.
Zero annual fee for cardholders under 25, then HK$488. Cashback rewards. Waivable for young professionals. Verified April 2026, DBS website.
Zero annual fee with minimum HK$15,000 annual spend. Dining and entertainment rewards. Achievable waiver. Verified April 2026, HSBC website.
Zero annual fee permanently. Category-based rewards (up to 3.33% cashback). Verified April 2026, UOB website.
Zero annual fee. 1% cashback on all purchases. No minimum spending requirement. Verified April 2026, BEA website.
Zero annual fee for Mizuho account holders. Preferential rates and rewards. Account integration benefit. Verified April 2026, Mizuho website.
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Zero annual fee. No minimum spending requirement. 1% cashback on all purchases. Simplest no-fee option. Verified April 2026, SC website.
Annual fee HK$800 waivable with HK$100k+ annual spend. 1.5% cashback. Most users achieve waiver. Verified April 2026, Citibank website.
Zero annual fee for first 2 years, then HK$300 (waivable). 1% cashback. Simple entry-level option. Verified April 2026, BOC website.
Zero annual fee permanently. No minimum spending. Good for international transactions. Verified April 2026, BOA website.
Zero annual fee with category cashback (5% on choice categories). Waivable conditions make it practical free option. Verified April 2026, OCBC website.
Zero annual fee for cardholders under 25, then HK$488. Cashback rewards. Waivable for young professionals. Verified April 2026, DBS website.
Zero annual fee with minimum HK$15,000 annual spend. Dining and entertainment rewards. Achievable waiver. Verified April 2026, HSBC website.
Zero annual fee permanently. Category-based rewards (up to 3.33% cashback). Verified April 2026, UOB website.
Zero annual fee. 1% cashback on all purchases. No minimum spending requirement. Verified April 2026, BEA website.
Zero annual fee for Mizuho account holders. Preferential rates and rewards. Account integration benefit. Verified April 2026, Mizuho website.
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