Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase An Octopus Card with A Credit Card?

Maybe, as it depends on the specific location where you purchase the card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

You'll need to use cash to buy an Octopus Card, as credit cards are not accepted for the initial purchase at most locations.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Purchase An Octopus Card With A Credit Card?

Using a credit card for your Octopus Card has both advantages and potential drawbacks.

Benefits

  • Rewards and Points: Many credit cards offer cashback, miles, or points on transactions, including the purchase and top-up of an Octopus Card.
  • Convenience: It eliminates the need to have cash on hand for the initial purchase or subsequent reloads.
  • Automatic Add Value Service (AAVS): You can link a credit card to your Octopus for automatic reloads when the balance is low.
  • Purchase Protection: Credit card transactions often come with built-in fraud protection.

Drawbacks

  • Transaction Fees: Some vendors may charge a processing fee for credit card payments, and foreign cards can incur currency conversion fees.
  • Interest Charges: If you don't pay your credit card balance in full, the purchase will accrue interest, increasing its overall cost.
  • Overspending Risk: The ease of using credit can sometimes lead to spending more than you would with cash.
An icon of a lightbulb
Kudos Tip
More:

How to Purchase An Octopus Card With A Credit Card

Purchasing an Octopus Card with a credit card is a simple way to get started on Hong Kong's public transport. Follow these general steps for a smooth and efficient transaction.

  1. Choose the Right Credit Card: Select a card that aligns with your spending, especially for travel or foreign currency purchases. To find a card that best suits your needs, consider using a discovery platform like the Kudos explore cards tool.
  2. Check for Foreign Transaction Fees: Before you buy, review your credit card’s terms. Many cards charge a fee, typically around 3%, for purchases made in a foreign currency, which can add to your cost.
  3. Locate a Vendor: You can typically purchase an Octopus Card at any MTR Customer Service Centre, including at the airport. Confirm that your chosen vendor accepts credit card payments for the purchase.
  4. Make the Purchase: Inform the cashier you'd like to buy an Octopus Card and pay with your credit card. The initial cost includes a refundable deposit and a starting stored value.
  5. Review Your Statement: After the purchase, check your credit card statement to verify the transaction amount and ensure no unexpected fees were applied. This confirms the charge was processed correctly.
More:

Impact On Your Credit Score

Using a credit card for your Octopus Card purchase or top-up can influence your credit score in a few key ways. Here are some factors to keep in mind:

  • Credit Utilization Ratio. This purchase adds to your credit card balance, which can increase your credit utilization ratio. A higher ratio may negatively impact your score, so it's best to keep your balances low.
  • Payment History. Making timely payments on the credit card used for the purchase will positively affect your payment history. This is a significant factor in determining your overall credit score and financial health.

Alternative Ways To Purchase An Octopus Card

Cash Purchase

For those preferring to avoid credit cards or digital wallets, purchasing an Octopus card with cash is a straightforward option. These cards are readily available at any MTR Customer Service Centre located within the train stations. Additionally, major convenience store chains, such as 7-Eleven and Circle K, also sell standard Octopus cards, making it easy to acquire one upon arrival in Hong Kong using local currency.

Mobile Octopus

Another popular alternative is the Mobile Octopus, which integrates the card directly into your smartphone via the Octopus App. This eliminates the need for a physical card and allows for top-ups through Apple Pay, Samsung Pay, or the Faster Payment System (FPS). This method is particularly convenient for tech-savvy travelers and residents who prefer managing their transit and payments digitally, offering a seamless experience without carrying an extra card.

Choose the Right Card to Purchase An Octopus Card

Before purchasing your Octopus Card, make sure you're using the right credit card to maximize your benefits. With thousands of cards on the market, finding the perfect one can feel overwhelming. Kudos offers a tool that provides personalized recommendations based on your spending habits and reward preferences, allowing you to compare up to three cards side-by-side. This ensures you make an informed decision and find the ideal match for your travel and daily spending needs. Take a look at the best cards of 2024 to get started.

For those looking to get more from their spending, Kudos is the premier free shopping tool for online purchases. We're also giving a $20 bonus after your first eligible buy—just sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Frequently Asked Questions

Can I top up my Octopus Card with a credit card?

Yes, you can top up your Octopus Card using a credit card through the official Octopus App for Tourists.

What types of credit cards are accepted for purchase?

Most major credit cards, including Visa, Mastercard, and UnionPay, are widely accepted for purchasing an Octopus Card.

Are there extra fees for using a credit card?

Generally, there are no extra fees, but it's always best to confirm with the specific vendor during purchase.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase An Octopus Card with A Credit Card?

Maybe, as it depends on the specific location where you purchase the card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

You'll need to use cash to buy an Octopus Card, as credit cards are not accepted for the initial purchase at most locations.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Purchase An Octopus Card With A Credit Card?

Using a credit card for your Octopus Card has both advantages and potential drawbacks.

Benefits

  • Rewards and Points: Many credit cards offer cashback, miles, or points on transactions, including the purchase and top-up of an Octopus Card.
  • Convenience: It eliminates the need to have cash on hand for the initial purchase or subsequent reloads.
  • Automatic Add Value Service (AAVS): You can link a credit card to your Octopus for automatic reloads when the balance is low.
  • Purchase Protection: Credit card transactions often come with built-in fraud protection.

Drawbacks

  • Transaction Fees: Some vendors may charge a processing fee for credit card payments, and foreign cards can incur currency conversion fees.
  • Interest Charges: If you don't pay your credit card balance in full, the purchase will accrue interest, increasing its overall cost.
  • Overspending Risk: The ease of using credit can sometimes lead to spending more than you would with cash.
An icon of a lightbulb
Kudos Tip
More:

How to Purchase An Octopus Card With A Credit Card

Purchasing an Octopus Card with a credit card is a simple way to get started on Hong Kong's public transport. Follow these general steps for a smooth and efficient transaction.

  1. Choose the Right Credit Card: Select a card that aligns with your spending, especially for travel or foreign currency purchases. To find a card that best suits your needs, consider using a discovery platform like the Kudos explore cards tool.
  2. Check for Foreign Transaction Fees: Before you buy, review your credit card’s terms. Many cards charge a fee, typically around 3%, for purchases made in a foreign currency, which can add to your cost.
  3. Locate a Vendor: You can typically purchase an Octopus Card at any MTR Customer Service Centre, including at the airport. Confirm that your chosen vendor accepts credit card payments for the purchase.
  4. Make the Purchase: Inform the cashier you'd like to buy an Octopus Card and pay with your credit card. The initial cost includes a refundable deposit and a starting stored value.
  5. Review Your Statement: After the purchase, check your credit card statement to verify the transaction amount and ensure no unexpected fees were applied. This confirms the charge was processed correctly.
More:

Impact On Your Credit Score

Using a credit card for your Octopus Card purchase or top-up can influence your credit score in a few key ways. Here are some factors to keep in mind:

  • Credit Utilization Ratio. This purchase adds to your credit card balance, which can increase your credit utilization ratio. A higher ratio may negatively impact your score, so it's best to keep your balances low.
  • Payment History. Making timely payments on the credit card used for the purchase will positively affect your payment history. This is a significant factor in determining your overall credit score and financial health.

Alternative Ways To Purchase An Octopus Card

Cash Purchase

For those preferring to avoid credit cards or digital wallets, purchasing an Octopus card with cash is a straightforward option. These cards are readily available at any MTR Customer Service Centre located within the train stations. Additionally, major convenience store chains, such as 7-Eleven and Circle K, also sell standard Octopus cards, making it easy to acquire one upon arrival in Hong Kong using local currency.

Mobile Octopus

Another popular alternative is the Mobile Octopus, which integrates the card directly into your smartphone via the Octopus App. This eliminates the need for a physical card and allows for top-ups through Apple Pay, Samsung Pay, or the Faster Payment System (FPS). This method is particularly convenient for tech-savvy travelers and residents who prefer managing their transit and payments digitally, offering a seamless experience without carrying an extra card.

Choose the Right Card to Purchase An Octopus Card

Before purchasing your Octopus Card, make sure you're using the right credit card to maximize your benefits. With thousands of cards on the market, finding the perfect one can feel overwhelming. Kudos offers a tool that provides personalized recommendations based on your spending habits and reward preferences, allowing you to compare up to three cards side-by-side. This ensures you make an informed decision and find the ideal match for your travel and daily spending needs. Take a look at the best cards of 2024 to get started.

For those looking to get more from their spending, Kudos is the premier free shopping tool for online purchases. We're also giving a $20 bonus after your first eligible buy—just sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Frequently Asked Questions

Can I top up my Octopus Card with a credit card?

Yes, you can top up your Octopus Card using a credit card through the official Octopus App for Tourists.

What types of credit cards are accepted for purchase?

Most major credit cards, including Visa, Mastercard, and UnionPay, are widely accepted for purchasing an Octopus Card.

Are there extra fees for using a credit card?

Generally, there are no extra fees, but it's always best to confirm with the specific vendor during purchase.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase An Octopus Card with A Credit Card?

Maybe, as it depends on the specific location where you purchase the card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

You'll need to use cash to buy an Octopus Card, as credit cards are not accepted for the initial purchase at most locations.

More:

Should You Purchase An Octopus Card With A Credit Card?

Using a credit card for your Octopus Card has both advantages and potential drawbacks.

Benefits

  • Rewards and Points: Many credit cards offer cashback, miles, or points on transactions, including the purchase and top-up of an Octopus Card.
  • Convenience: It eliminates the need to have cash on hand for the initial purchase or subsequent reloads.
  • Automatic Add Value Service (AAVS): You can link a credit card to your Octopus for automatic reloads when the balance is low.
  • Purchase Protection: Credit card transactions often come with built-in fraud protection.

Drawbacks

  • Transaction Fees: Some vendors may charge a processing fee for credit card payments, and foreign cards can incur currency conversion fees.
  • Interest Charges: If you don't pay your credit card balance in full, the purchase will accrue interest, increasing its overall cost.
  • Overspending Risk: The ease of using credit can sometimes lead to spending more than you would with cash.
An icon of a lightbulb
Kudos Tip
More:

How to Purchase An Octopus Card With A Credit Card

Purchasing an Octopus Card with a credit card is a simple way to get started on Hong Kong's public transport. Follow these general steps for a smooth and efficient transaction.

  1. Choose the Right Credit Card: Select a card that aligns with your spending, especially for travel or foreign currency purchases. To find a card that best suits your needs, consider using a discovery platform like the Kudos explore cards tool.
  2. Check for Foreign Transaction Fees: Before you buy, review your credit card’s terms. Many cards charge a fee, typically around 3%, for purchases made in a foreign currency, which can add to your cost.
  3. Locate a Vendor: You can typically purchase an Octopus Card at any MTR Customer Service Centre, including at the airport. Confirm that your chosen vendor accepts credit card payments for the purchase.
  4. Make the Purchase: Inform the cashier you'd like to buy an Octopus Card and pay with your credit card. The initial cost includes a refundable deposit and a starting stored value.
  5. Review Your Statement: After the purchase, check your credit card statement to verify the transaction amount and ensure no unexpected fees were applied. This confirms the charge was processed correctly.
More:

Impact On Your Credit Score

Using a credit card for your Octopus Card purchase or top-up can influence your credit score in a few key ways. Here are some factors to keep in mind:

  • Credit Utilization Ratio. This purchase adds to your credit card balance, which can increase your credit utilization ratio. A higher ratio may negatively impact your score, so it's best to keep your balances low.
  • Payment History. Making timely payments on the credit card used for the purchase will positively affect your payment history. This is a significant factor in determining your overall credit score and financial health.

Alternative Ways To Purchase An Octopus Card

Cash Purchase

For those preferring to avoid credit cards or digital wallets, purchasing an Octopus card with cash is a straightforward option. These cards are readily available at any MTR Customer Service Centre located within the train stations. Additionally, major convenience store chains, such as 7-Eleven and Circle K, also sell standard Octopus cards, making it easy to acquire one upon arrival in Hong Kong using local currency.

Mobile Octopus

Another popular alternative is the Mobile Octopus, which integrates the card directly into your smartphone via the Octopus App. This eliminates the need for a physical card and allows for top-ups through Apple Pay, Samsung Pay, or the Faster Payment System (FPS). This method is particularly convenient for tech-savvy travelers and residents who prefer managing their transit and payments digitally, offering a seamless experience without carrying an extra card.

Choose the Right Card to Purchase An Octopus Card

Before purchasing your Octopus Card, make sure you're using the right credit card to maximize your benefits. With thousands of cards on the market, finding the perfect one can feel overwhelming. Kudos offers a tool that provides personalized recommendations based on your spending habits and reward preferences, allowing you to compare up to three cards side-by-side. This ensures you make an informed decision and find the ideal match for your travel and daily spending needs. Take a look at the best cards of 2024 to get started.

For those looking to get more from their spending, Kudos is the premier free shopping tool for online purchases. We're also giving a $20 bonus after your first eligible buy—just sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Frequently Asked Questions

Can I top up my Octopus Card with a credit card?

Yes, you can top up your Octopus Card using a credit card through the official Octopus App for Tourists.

What types of credit cards are accepted for purchase?

Most major credit cards, including Visa, Mastercard, and UnionPay, are widely accepted for purchasing an Octopus Card.

Are there extra fees for using a credit card?

Generally, there are no extra fees, but it's always best to confirm with the specific vendor during purchase.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase An Octopus Card with A Credit Card?

Maybe, as it depends on the specific location where you purchase the card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

You'll need to use cash to buy an Octopus Card, as credit cards are not accepted for the initial purchase at most locations.

More:

Should You Purchase An Octopus Card With A Credit Card?

Using a credit card for your Octopus Card has both advantages and potential drawbacks.

Benefits

  • Rewards and Points: Many credit cards offer cashback, miles, or points on transactions, including the purchase and top-up of an Octopus Card.
  • Convenience: It eliminates the need to have cash on hand for the initial purchase or subsequent reloads.
  • Automatic Add Value Service (AAVS): You can link a credit card to your Octopus for automatic reloads when the balance is low.
  • Purchase Protection: Credit card transactions often come with built-in fraud protection.

Drawbacks

  • Transaction Fees: Some vendors may charge a processing fee for credit card payments, and foreign cards can incur currency conversion fees.
  • Interest Charges: If you don't pay your credit card balance in full, the purchase will accrue interest, increasing its overall cost.
  • Overspending Risk: The ease of using credit can sometimes lead to spending more than you would with cash.
An icon of a lightbulb
Kudos Tip
More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

How to Purchase An Octopus Card With A Credit Card

Purchasing an Octopus Card with a credit card is a simple way to get started on Hong Kong's public transport. Follow these general steps for a smooth and efficient transaction.

  1. Choose the Right Credit Card: Select a card that aligns with your spending, especially for travel or foreign currency purchases. To find a card that best suits your needs, consider using a discovery platform like the Kudos explore cards tool.
  2. Check for Foreign Transaction Fees: Before you buy, review your credit card’s terms. Many cards charge a fee, typically around 3%, for purchases made in a foreign currency, which can add to your cost.
  3. Locate a Vendor: You can typically purchase an Octopus Card at any MTR Customer Service Centre, including at the airport. Confirm that your chosen vendor accepts credit card payments for the purchase.
  4. Make the Purchase: Inform the cashier you'd like to buy an Octopus Card and pay with your credit card. The initial cost includes a refundable deposit and a starting stored value.
  5. Review Your Statement: After the purchase, check your credit card statement to verify the transaction amount and ensure no unexpected fees were applied. This confirms the charge was processed correctly.
More:

Impact On Your Credit Score

Using a credit card for your Octopus Card purchase or top-up can influence your credit score in a few key ways. Here are some factors to keep in mind:

  • Credit Utilization Ratio. This purchase adds to your credit card balance, which can increase your credit utilization ratio. A higher ratio may negatively impact your score, so it's best to keep your balances low.
  • Payment History. Making timely payments on the credit card used for the purchase will positively affect your payment history. This is a significant factor in determining your overall credit score and financial health.

Alternative Ways To Purchase An Octopus Card

Cash Purchase

For those preferring to avoid credit cards or digital wallets, purchasing an Octopus card with cash is a straightforward option. These cards are readily available at any MTR Customer Service Centre located within the train stations. Additionally, major convenience store chains, such as 7-Eleven and Circle K, also sell standard Octopus cards, making it easy to acquire one upon arrival in Hong Kong using local currency.

Mobile Octopus

Another popular alternative is the Mobile Octopus, which integrates the card directly into your smartphone via the Octopus App. This eliminates the need for a physical card and allows for top-ups through Apple Pay, Samsung Pay, or the Faster Payment System (FPS). This method is particularly convenient for tech-savvy travelers and residents who prefer managing their transit and payments digitally, offering a seamless experience without carrying an extra card.

Choose the Right Card to Purchase An Octopus Card

Before purchasing your Octopus Card, make sure you're using the right credit card to maximize your benefits. With thousands of cards on the market, finding the perfect one can feel overwhelming. Kudos offers a tool that provides personalized recommendations based on your spending habits and reward preferences, allowing you to compare up to three cards side-by-side. This ensures you make an informed decision and find the ideal match for your travel and daily spending needs. Take a look at the best cards of 2024 to get started.

For those looking to get more from their spending, Kudos is the premier free shopping tool for online purchases. We're also giving a $20 bonus after your first eligible buy—just sign-up for free with code "GET20" and make a purchase at a Boost merchant.

Frequently Asked Questions

Can I top up my Octopus Card with a credit card?

Yes, you can top up your Octopus Card using a credit card through the official Octopus App for Tourists.

What types of credit cards are accepted for purchase?

Most major credit cards, including Visa, Mastercard, and UnionPay, are widely accepted for purchasing an Octopus Card.

Are there extra fees for using a credit card?

Generally, there are no extra fees, but it's always best to confirm with the specific vendor during purchase.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
No items found.