Top 10 Best Credit Cards for Low Annual Fees in Hong Kong

What does 'waivable annual fee' mean? A waivable fee is charged each year but cancelled automatically when you hit a minimum spend threshold — for example HK$15,000 in a year. Miss the threshold and the fee applies. Always confirm the exact waiver condition on the issuer's official site before applying.

Are zero annual fee credit cards really free? The annual fee is free, but other charges — foreign transaction fees, late payment fees, and cash advance fees — still apply. Compare the full fee schedule, not just the annual fee line.

How were these cards ranked? Cards are ranked primarily by annual fee cost: permanent zero first, then fully waivable, then low fixed fee. Where fees are equal, cashback rate and spend flexibility break the tie. Data verified April 2026 from each bank's Hong Kong product pages.

Sources: [Standard Chartered HK](https://www.sc.com/hk/credit-cards/) · [Citibank HK](https://www.citibank.com.hk/english/credit-cards/) · [HSBC HK](https://www.hsbc.com.hk/credit-cards/) · [DBS HK](https://www.dbs.com.hk/personal/cards/credit-cards.page) · [UOB HK](https://www.uob.com.hk/personal/credit-cards/index.page)