AliPay HK How to use overseas credit cards with Alipay

Alipay Hong KongVery cool, as long as the mainland merchants support Alipay, you canAlipay HKaccomplishUS Credit CardsConsumption (except for some payment methods), other types that cannot be swiped:

• Street vendors (no merchant registration, only Huabei payment is available)
• P2P type (only debit cards or account balances can be used).

Of course, now mainland Alipay + international credit cards are also quite powerful. In comparison, Hong Kong Alipay is a little looser in terms of risk control, unlike mainland Alipay, which has some strange risk controls from time to time, making it unusable. So if you have the conditions, you can also open an Ailipay HK as a backup.

Account opening method

Necessary conditions:

• A Hong Kong mobile phone that can receive text messages (preferably able to make calls) [Subsequent phone charges can be paid with AliPay HK or AliPay WeChatMake payment】
• Bind your passport for ID verification
• Download Alipay HK【Separateapp】

There are many suitable Hong Kong phone cards:

• If you are in the country, you can use 3HK and register online. You can also turn left and look for a certain pig.
• If you are in the United States, you can consider China Unicom's three-city card, but the cost is slightly higher (you can consider suspending the service during normal times). If you are in a hurry to apply, you can use the reader's invitation code: 096778.book

Credit card binding

• Payment binding allVISA, Master credit cards, including US V/M credit cards [Note: if bound to a mainland credit card, it cannot be used in the mainland]
• The ones that can be bound are bound directly
• If you cannot bind your card, try again after a while or ask the issuing bank to suspend 3D verification (I am talking about you, Chase)
• No additional fees (including scanning and being scanned)

Simply fill in the following information to connect your credit card. You can link up to 5 credit cards per account.

Supported merchant range and handling fees

Most merchants that support mainland Alipay + UnionPay credit cards also support HK + US (overseas) credit cards [with some exceptions]. The fees for using overseas credit cards are as follows:

• Direct payment via Alipay: None.
• Consumption on Taobao and other Alibaba platforms: 2.5% [need to bind Hong Kong Alipay]

[2023 Update] The Hong Kong Alipay app shows that starting from September 1, 2023, credit card payments (i.e. transfers) will be charged a fee, with a free limit of HKD 3,000 per month. China CITIC Bank, Hang Seng Bank, and Standard Chartered Q credit cards in Hong Kong do not require a credit card fee, but do require a transfer fee.

For other details, please go to the app to view.

Recommended credit cards

For most credit cards, it is 1x spending reward, which cannot be correctly identified. Considering the wide range, it is very suitable for swiping 2%, no FTF, and credit cards with lax risk control. For example: Sofi credit card

Summarize

In general, if you are in the country, it is still recommended to use it. Of course, it often cannot be used due to bugs.

Considering "WeChat Pay + Meituan Pay + Mainland Alipay + Hong Kong Alipay + some merchants directly swiping foreign cards", it is basically possible to use overseas credit cards for most mainland consumption.