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citibank
Citi Cash Back Card
Annual Fee: HK$1,800 (1st yr free)
Max. design reward: 2%Cashback
dahsing bank
Dah Sing MyAuto Visa Card
Annual Fee: HK$1,800 (2 yrs free)
Max. design reward: ≈9.6%Estimated
PrimeCredit
EarnMORE UnionPay Diamond Card
Annual Fee: HK$1,500 (2 yrs free)
Max. design reward: 2%Cashback
We do not accept paid ranking
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What Does CR Mean on a Credit Card? Credit Limits, Balances, and Billing Dates Explained
CR is short for Credit. In the context of credit cards, it most commonly refers to your credit limit — the maximum amount a bank allows you to spend on a card. In overseas Chinese communities, you'll often hear phrases like "my CR is high" or "this card has a good CR," both referring to credit limit.
Credit Cards
"Up to 56 Days Interest-Free" But Nobody Tells You How to Count
Every credit card has a statement date — the day each month when the bank totals up your spending into a bill. After the statement is issued, you typically have 20 to 25 days to pay. That window is your payment period. The "up to 56 days" figure comes from spending the day before your statement date, then adding the full payment period on top. That's the best-case scenario — and it only happens once a month.
Credit Cards
That "Travel Insurance Included" Card Might Let You Down When It Matters Most
Credit card travel insurance almost always comes with an activation requirement, usually buried deep in the terms: You must purchase your flight or travel package using that specific card for the coverage to apply. It doesn't activate just because you carry the card. It doesn't activate when you tap it at check-in. The purchase of the ticket itself must be made with that card.
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citibank
Citi Cash Back Card
Annual feeHK$1,800free first yearMax. design reward2%CashbackWelcome offerHK$1,200max.Reward type: Cashback
Base rewards:
1%All spending1%Bonus rewards: Check each tier's conditions
2%Local dining2%2%Local hotels2%2%Overseas / foreign currency spending2%Interest-Free Period58 daysPurchase APR34.28%FX Fee1.95%Cash Advance APR35.81%Cash Advance FeeHK$100Late FeeHK$300 - Salary EarnersUrban UsersStudents
dahsing bank
Dah Sing MyAuto Visa Card
Annual feeHK$1,800free first 2 yearsMax. design reward24points/1HK$Estimated 9.6%Welcome offerHK$500max.Reward type: Dah Sing Points (points)
Base rewards:
1 point per HK$1All spending0.4%Bonus rewards: Check each tier's conditions
24 points per HK$1Local hKeToll Tunnel Tolls9.6%2 points per HK$1Local hKeToll Tunnel Tolls0.8%8 points per HK$1Automotive Services3.2%Interest-Free Period60 daysPurchase APR34.46%FX Fee1.95%Cash Advance APR35.81%Late FeeHK$300Penalty APR34.46% - StudentsHK–Shenzhen ResidentsFirst-time Users
PrimeCredit
EarnMORE UnionPay Diamond Card
Annual feeHK$1,500free first 2 yearsMax. design reward2%CashbackWelcome offerHK$1,000max.Reward type: Cashback
Base rewards:
1%All spending1%Bonus rewards: Check each tier's conditions
2%All Spend2%Interest-Free Period53 daysPurchase APR33.2%FX Fee1.95%Cash Advance APR1%
We do not accept paid ranking
More cards ›Guides
View allCredit Cards
What Does CR Mean on a Credit Card? Credit Limits, Balances, and Billing Dates Explained
CR is short for Credit. In the context of credit cards, it most commonly refers to your credit limit — the maximum amount a bank allows you to spend on a card. In overseas Chinese communities, you'll often hear phrases like "my CR is high" or "this card has a good CR," both referring to credit limit.
Credit Cards
"Up to 56 Days Interest-Free" But Nobody Tells You How to Count
Every credit card has a statement date — the day each month when the bank totals up your spending into a bill. After the statement is issued, you typically have 20 to 25 days to pay. That window is your payment period. The "up to 56 days" figure comes from spending the day before your statement date, then adding the full payment period on top. That's the best-case scenario — and it only happens once a month.
Credit Cards
That "Travel Insurance Included" Card Might Let You Down When It Matters Most
Credit card travel insurance almost always comes with an activation requirement, usually buried deep in the terms: You must purchase your flight or travel package using that specific card for the coverage to apply. It doesn't activate just because you carry the card. It doesn't activate when you tap it at check-in. The purchase of the ticket itself must be made with that card.
Supported Banks