Credit Card and Cash in Hong Kong

Question

Are Credit Cards readily accepted in Hong Kong? If so are there places where Cash is the only source funds to use?

Answer

Credit cards are widely accepted in Hong Kong, especially in shopping malls, restaurants, hotels, and larger retail stores. Visa, Mastercard, and American Express are the most commonly used, while some smaller establishments may also accept UnionPay or other local cards.

However, there are still situations where cash is either preferred or required:

Small local markets, street food stalls, and convenience stores may only accept cash.
Some taxis, especially older models, may not take credit cards.
Public transportation like minibuses and certain local buses usually require exact cash or Octopus card, not credit cards.
Small neighborhood eateries or traditional tea houses often operate on a cash-only basis.

Tips for managing money in Hong Kong:

Carry some Hong Kong Dollars (HKD) in cash for small purchases and situations where credit cards are not accepted.
Octopus card is widely used for public transport, convenience stores, and some fast-food outlets, and can be topped up with cash.
Most ATMs accept international cards, allowing you to withdraw HKD if needed.
Credit cards are safe and convenient for most tourist activities and larger transactions.

In summary, while you can rely on credit cards for many expenses in Hong Kong, it’s always a good idea to carry some cash for smaller vendors, street food, taxis, and public transport.

Credit Card and Cash in Hong Kong

More Hong Kong Travel Questions

The attractions mentioned in this question

Popular Destinations

Popular Travel Questions