Credit Card Welcome Offers & Referrals
Welcome offers and referral codes for credit cards available in Hong Kong. Always repay in full — these suit organised spenders only.
Compare these offers side by side →Guides & playbooks
All guides → →Hong Kong credit-card basics: compare cashback, miles, fees and repayment
Choose around existing spending and repayment capacity. Separate welcome offers from ongoing rewards, and check annual fees, caps, overseas payments and eligible transactions.
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8 min read
Provider
Mox
Use E6BZQ2 during 14 September–20 December 2026 for HK$200 after timely Mox Credit approval and an eligible card purchase. Up to HK$2,000 more requires the programme’s card-spend, savings and investment conditions; the headline total is HK$2,200, and credit and investment carry risk. Credit involves repayment risk — 借定唔借？還得到先好借！
Requirement: HK$200 referral: Mox Credit approved within 30 days of opening and eligible spend within 30 days of approval. Additional rewards depend on Programme 25 credit/spend, savings and investment conditions.
Medium15-30 minutes to apply, plus card approval and qualifying tasksPayout After you successfully apply for a Mox Credit Card and complete the related welcome tasks under live Mox terms — cash rewards (if any) credit to your Mox account per the referral programme schedule
Verified 2 November 2026 · Ends 20 December 2026
Provider
Standard Chartered Hong Kong (渣打銀行)
Apply for Standard Chartered Hong Kong's debt consolidation plan (結餘轉戶計劃), an extra credit line that requires a Standard Chartered principal credit card, through this referral link with code A3872270. The referral terms list a HK$1,000 rebate for HK$200,000 or more over 36 months or more, but their loan dates have all passed, so get the bank's written confirmation first; November 2026 online applications also earn the bank's own HK$800–HK$21,000 rebate. APR 4.67% to 36%. Only borrow to clear debt you can repay: 借定唔借？還得到先好借！
Requirement: Hold a Standard Chartered principal credit card before drawdown. HK$1,000 referral rebate: at least HK$200,000 over 36 months or more, drawn within 3 months of applying. November online rebate: at least HK$100,000, applied for online by 30 November 2026 and drawn within 3 months
Hard15-20 minutes to apply online; the loan is paid out within 5 working days of approvalPayout November online rebate: within 4 months of drawdown, to your eligible Standard Chartered card account. HK$1,000 referral rebate: to your HKD deposit account (or the loan repayment account if you have none), but the referral terms list no current payout date
Verified 3 November 2026 · Ends 1 January 2027
Provider
Standard Chartered Hong Kong (渣打銀行)
Eligible new SC Cathay cardholders who apply through A3872270 by 1 January 2027, with the card issued by 31 March 2027, receive 13,000 referral miles (10,000 plus a 3,000-mile 10th-anniversary bonus) with no spend requirement, credited by 30 June 2027. The standard card's welcome miles (up to 40,000) are separate and need eligible spend in the first 2 months. Credit involves repayment risk — 借定唔借？還得到先好借！
Requirement: No spend for the 13,000 referral miles; welcome miles need HK$5,000, HK$40,000 or HK$110,000 of eligible spend within the first 2 months (Octopus automatic add-value, e-wallet top-ups, bill payments and tax do not count)
Medium10-15 minutes to apply online, plus card approvalPayout Referral miles by 30 June 2027; basic miles monthly after each statement, and the rest of the welcome miles within 5 months of card issue, per Standard Chartered's terms
Verified 11 October 2026 · Ends 1 January 2027
Provider
American Express Hong Kong
Apply through the Amex Explorer HK referral page; American Express must receive the application by 11 November 2026. HK$8,000 local HKD spend within three months of approval earns 96,000 welcome plus 108,000 Referral Bonus points; the 576,000-point (32,000-mile) example also needs HK$30,000 eligible spend and Local Spend Bonus Program enrolment, with the first HK$15,000 local HKD spend completed by 31 December 2026. Credit involves repayment risk — 借定唔借？還得到先好借！
Requirement: Application received by American Express 20 August–11 November 2026 (no approval deadline); HK$8,000 local HKD spend within three months of approval for 96,000 + 108,000 points; HK$30,000 eligible spend in the same three months, including the first HK$15,000 local HKD spend after Local Spend Bonus Program enrolment and by 31 December 2026, for the 576,000-point example
Hard10-15 minutes to apply, plus approval and 3 months of qualifying spendPayout Welcome and Referral Bonus points within 8 weeks of meeting the spend requirement; Local Spend Bonus Program extra points usually within 15 business days, but up to 90 days after the program ends on 31 December 2026
Verified 11 October 2026 · Ends 11 November 2026