Loading...

In Hong Kong and Singapore, credit cards continue to dominate as the payment method of choice for almost all online transactions. This makes sense as unlike other payment methods (eg. cash, bank transfers, checks) credit cards come with a unique combination of security, rewards and convenience

How to pay rent with your credit card in Hong Kong and Singapore

Issuing banks and airlines also help support the credit card ecosystem through direct marketing and online channel partners like GoBear. If you could pay rent with your credit card on a monthly basis, you’d be able to experience all of the advantages mentioned above.


In case it’s helpful, we wanted to highlight a few key advantages of using your credit card for rent instead of check or cash:

Automate rental payments through monthly recurring schedules: With your credit card, you enable recurring transactions to be charged automatically similar to your phone bill, Netflix, and/or Spotify account.

Earn additional credit card rewards: Like most transactions, you’d be able to earn additional cashback, air miles and rewards associated with your credit card.

Improve cashflow: Credit cards can be used as a short-term working capital solution for your business in case your customers haven’t paid on time.

Ways to pay rent with a credit card

If you want to use your credit card for rent, you can typically do so through two main methods: paying through your landlord’s payment system or a third-party payments platform.

Some real estate or property management companies have the infrastructure setup to accept credit card for rent. WeWork, for example, gives you the option to set-up recurring credit card payments online. However, if your building is owned by a smaller, less tech-oriented management group/landlord, the company is unlikely to set up a POS terminal or online payments portal. This is why almost all rent payments in Hong Kong and Singapore are conducted with check or cash.

If you choose to use a third-party software, you can pay rent online with a credit card even if your landlord doesn’t accept cards. Reap allows any tenant to set-up recurring monthly rent (or other types of payments) in this way. Your landlord receives a bank transfer or check as they would normally and they wouldn’t need to set up a Reap account in order to receive the funds.

Is using your credit card for rent the right choice for you?

A few points of consideration when deciding to use credit cards or not:

Would you or your business benefit from the extra cash flow? If you used your credit card as a short-term financing solution, would this be beneficial for your business? Would you be able to grow at a rate that’s higher than the transaction fees associated with your charge?

Does your credit card come with rewards? There are typically fees associated with using your credit card to pay rent. Your credit card usually provides enough miles or cashback where the rewards outweigh this cost. Take a look at the Reap rewards calculator to better evaluate your credit card!

For businesses, the fees are tax deductible and can be written off. Like most business expenses, the fee related to processing your credit card for rent/lease payments can be written off for tax purposes.

Are you able to pay off your credit card balance? Credit cards, while convenient, usually come with a fairly high monthly interest rate on the unpaid balance. If you are not confident that you’ll be able to fully pay off your credit card balance, the rewards you gain may not be worth the interest payments.

In general, using your credit card for rent is a more rewarding and convenient process compared to cash, bank transfer and checks. If you can keep your finances in check, there are significant advantages for using your credit card!

在香港和新加坡,幾乎所有的網上交易都會以信用卡作為首選的支付方式。信用卡既安全又方便,使用時更有獎賞回贈,與其他的支付模式 (例如:現金、銀行轉賬、支票) 截然不同。

在香港和新加坡,如何用你的信用卡去支付租金呢?

發卡銀行和航空公司透過直接營銷和與網上的銷售渠道如GoBear等進行合作,大力推動信用卡的發展令它更趨成熟普及。如果你可以使用信用卡支付每月的租金,你將能夠體驗到使用信用卡的各樣好處。


我們務求為你提供更多有用的資訊,當你不是以支票或現金,而是使用信用卡去支付租金時,你將能夠享有我們以下列舉的幾個好處:

租金會透過每月預設的時間表自動支付: 使用信用卡,你可以預設支付時間表,按時重覆支賬,就好像支付你每個月的電話賬單、Netflix和/或Spotify的賬戶訂閱費用一般,同樣簡易。

賺取額外的信用卡獎賞: 與大多數交易一樣,使用信用卡付款,你可以賺取額外的現金回贈、飛行里數和相關獎賞。

改善現金流: 如果你的客戶未能按時付款,令你的營運資金變得緊絀,信用卡就可以協助你的企業紓緩短期的資金壓力,有助周轉。

以信用卡支付租金的方法

如果你想使用信用卡支付租金,一般來說可以透過以下兩種主要途徑: 以業主所提供的支付系統直接支賬或通過第三方的支付平台來繳付租金。

一些房地產或物業管理公司會提供相關的設施,並接受以信用卡的方式去繳交租金。例如WeWork的網頁就提供了網上預設的選項,讓你選擇每個月以信用卡的形式重覆付賬。但是,如果你租用的樓房是由規模較少或科技支援較少的管理團隊/業主所擁有時,它們就不太可能會建立POS終端系統或為你提供網上支付的渠道。這亦解釋了為什麼幾乎所有在香港和新加坡的租金都是以支票或現金的方式來支付了。

如果你選擇使用第三方所提供的軟件,即使你的業主不接受以信用卡的形式付費,你亦可以使用信用卡於網上支付租金。Reap允許任何租戶以這種方式設定每月重覆的租金支付指示(或其他類型的支付指示)。你的業主會好像往常一樣收到銀行轉賬或支票,他們亦無需要設立Reap的賬戶便可以收取款項。

以信用卡支付租金,對你來說是否一個正確的選擇呢?

當你決定是否用信用卡時,應注意以下幾點:

你或你的企業會否因為得到額外的現金流而從中受惠?如果你使用信用卡作為短期周轉的方案,這樣對你的業務有利嗎?你的業務增長比率會否足以抵銷使用相關服務時被徵收的交易費用呢?

你的信用卡是否設有獎賞計劃?使用信用卡支付租金通常需要支付相關的服務費用。一般來說,你的信用卡所提供的里數或現金回贈都會超出這些服務費用的金額。看一下Reap獎賞計算器,更好地評估你的信用卡優惠吧!

對於企業而言,這些服務費用是可以註銷,而且是無需繳稅的。與大多數營運費用一樣,以信用卡支付租金/繳付租賃時,當中洐生的相關費用是可以註銷,而你亦無需要為這些費用而繳納稅項。

你是否有能力清還你的信用卡結欠呢?信用卡雖然方便,但在未能按時支付結欠的情況下,一般都會收取相當高的月利率。如果你不確定是否有能力全數清還信用卡的結欠,那麼你所賺取的獎賞可能不足以彌補利息支出,得不償失

一般而言,與現金、銀行轉帳和支票相比,使用信用卡支付租金會為你帶來更多的獎賞且倍添便利。如果你能夠好好監控一下你的財務狀況,你就會知道使用信用卡實際上是會為你帶來莫大的益處!

More from Our Blog

You Might Also Like

更多文章

你可能還喜歡

Credit Cards

【信貸評級】4招妥善管理信用卡改善TU評級

信用卡的確為消費者帶來很多好處,不但付款變得方便,用家也能獲得許多優惠和回贈(想以信用卡支付所有支出,賺取更多優惠?使用Reap吧!),但信用卡這種產品是一個雙刃劍,如果不妥善使用的話,可能會弄巧反拙,影響你的個人信貸評級。環聯(TU)信貸評級與銀行信貸服務的審批程序息息相關,有一個良好的TU評級,對於你申請按揭、私人貸款,以致信用卡及銀行戶口等,都有很大好處。那麼,我們該如何從使用信用卡的習慣入手,改善TU評級?

Posted on 
Aug 12, 2019
  by
Neva Kwok

【信貸評級】4招妥善管理信用卡改善TU評級

信用卡的確為消費者帶來很多好處,不但付款變得方便,用家也能獲得許多優惠和回贈(想以信用卡支付所有支出,賺取更多優惠?使用Reap吧!),但信用卡這種產品是一個雙刃劍,如果不妥善使用的話,可能會弄巧反拙,影響你的個人信貸評級。環聯(TU)信貸評級與銀行信貸服務的審批程序息息相關,有一個良好的TU評級,對於你申請按揭、私人貸款,以致信用卡及銀行戶口等,都有很大好處。那麼,我們該如何從使用信用卡的習慣入手,改善TU評級?

張貼
Aug 12, 2019
  by
Neva Kwok
Managing Money

【理財心得】記錄開支有何用處?記賬對改善理財的4大好處

你上個月花了多少錢消遣娛樂?出街食飯的開支有幾多?信用卡的總消費額呢?如果你沒有記錄開支習慣,相信一時間很難回答這些問題。記賬是個人理財重要的一環,保持良好的記帳習慣,對改善財務有莫大裨益。

Posted on 
Aug 7, 2019
  by
Neva Kwok

【理財心得】記錄開支有何用處?記賬對改善理財的4大好處

你上個月花了多少錢消遣娛樂?出街食飯的開支有幾多?信用卡的總消費額呢?如果你沒有記錄開支習慣,相信一時間很難回答這些問題。記賬是個人理財重要的一環,保持良好的記帳習慣,對改善財務有莫大裨益。

張貼
Aug 7, 2019
  by
Neva Kwok

Subscribe To Our Blog

Stay on top of the latest SMEs Management, Cash Flow tips, and best practices

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

訂閱我們的 Blog

獲取最新中小企管理、現金流、商業趨勢、最佳營運方法資料

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.