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Why is there no debit card in Hong Kong?

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  1. #1

    Join Date
    Mar 2015
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    10

    Why is there no debit card in Hong Kong?

    Are there any one trying to apply debit visa/ mastercard in Hong Kong? I have trouble finding one that be used for online purchase.

    I tried asking Citibank about their latest VISA ATM but they mentioned the card cant book flight or hotel, no even movie tickts.

    As for every other bank i asked, their stuffs seems never heard of the term "debit card" and kept telling me all their cards have "eps" on it....

    Why is this place so lag-behind in terms of payment method? Argh...

    I just hate owing someone debt where i dont have to be and those hefty service fees.

    Last edited by gab_alexander; 19-05-2017 at 07:55 PM.

  2. #2

    Join Date
    Oct 2005
    Posts
    14,256

    EPS is a debit card.
    Also Union Pay is a debit.


  3. #3

    Join Date
    Jun 2015
    Posts
    393

    ATM cards in HK can't be used for online purchases, regardless of brand (EPS, UnionPay, Maestro, Cirrus, Visa or MasterCard). Get yourself a credit card, it's so much easier getting one here with lower salary requirements than many other "developed" countries.


  4. #4

    Join Date
    Dec 2010
    Location
    Wrong side of the door to hell
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    6,032

    Doh, because the banks can't make loads of money off you with debit cards.

    East_coast and mash_mallow like this.

  5. #5

    Join Date
    May 2006
    Posts
    6,042
    Quote Originally Posted by gab_alexander:
    I just hate owing someone debt where i dont have to be and those hefty service fees.
    What service fees? I autopay my credit card 100% every month. No fees, no interest, and I get perks in return.

    Debt is good. It means you're creditworthy. That's something positive. There are people in the world who only pay cash, but if they need a loan they can't easily get one. They have it much harder in life.
    Rob2020, Sage and Michael Tsang like this.

  6. #6

    Join Date
    Feb 2005
    Location
    Island East
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    4,693

    just go get a Tap & Go mastercard

    https://www.tapngo.com.hk/eng/index.html

    pumpkin1 likes this.

  7. #7

    Join Date
    Feb 2011
    Location
    Hong Kong
    Posts
    6,365

    EPS is basically a debit card. Why give someone access to your bank accounts. Credit card is much safer.

    answerer likes this.

  8. #8
    er2
    er2 is offline

    Join Date
    Oct 2007
    Posts
    1,508
    Quote Originally Posted by gab_alexander:
    Are there any one trying to apply debit visa/ mastercard in Hong Kong? I have trouble finding one that be used for online purchase.

    I tried asking Citibank about their latest VISA ATM but they mentioned the card cant book flight or hotel, no even movie tickts.

    As for every other bank i asked, their stuffs seems never heard of the term "debit card" and kept telling me all their cards have "eps" on it....

    Why is this place so lag-behind in terms of payment method? Argh...

    I just hate owing someone debt where i dont have to be and those hefty service fees.
    you can prepay your credit cards without any issue, or fees. Although if you follow @civil_servant's advise and simply set up autopay for the whole balance, then this whole 'owing someone debt' becomes a very imaginary problem.

  9. #9

    Join Date
    Mar 2015
    Posts
    10

    Thanks for all the replies, I finally own a Enjoy debit card. Can withdraw money and top up when needed, good enough for my current spendings.


  10. #10

    Join Date
    Mar 2018
    Location
    Pokfulam
    Posts
    6
    Quote Originally Posted by chuckster007:
    just go get a Tap & Go mastercard

    https://www.tapngo.com.hk/eng/index.html
    These are fantastic. You can pre-load up to HK$ 10,000 on them, and fill in as little as HK$50 at a time at most 7/Eleven and Circle K stores.

    You can also buy a "Gift Mastercard" from most of the Circle Ks. They can be preloaded for anything between $300 to $5,000, and can be used straight out of the wrapping. The card is activated at the cashier's counter at the Circle K, when you complete the payment for it

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