{"topic":{"id":15344,"title":"好奇有港卡的门 u，你们的卡还在吃灰吗？","slug":"topic","categoryId":4,"createdAt":"2026-01-02 11:25:37.57819","bumpedAt":"2026-01-17 13:28:04.45273","views":490,"postsCount":14,"highestPostNumber":14,"likeCount":8,"closed":false,"pinned":false,"excerpt":"之前楼主 8 月份到 HK 开卡，开了 ZA 和汇丰两家开完之后 10 月，招行推出了非常好用的万事达普卡，这卡消费不占用年度外汇便利额度，而且自动购汇，人民币账户使用万事达汇率结算而且经过楼主测试，在境外平台上，如 Cursor、Netcup、Steam 均可付款因此楼主的港卡，目前就只用了一张 ZA，每个月扣我港区的 iCloud，而且 ZA 最坑的是在境外（香港外）付款要手续费好奇大家港卡拿来都干点啥？投资买券商嘛？还是也…","deletedAt":null,"isAnonymous":false,"category":{"id":4,"name":"谈笑风生","slug":"general","color":"25AAE2"},"author":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif"},"tags":[]},"posts":[{"id":69695,"postNumber":1,"raw":"之前楼主 8 月份到 HK 开卡，开了 ZA 和汇丰两家\n开完之后 10 月，招行推出了非常好用的万事达普卡，这卡消费不占用年度外汇便利额度，而且自动购汇，人民币账户使用万事达汇率结算\n而且经过楼主测试，在境外平台上，如 Cursor、Netcup、Steam 均可付款\n因此楼主的港卡，目前就只用了一张 ZA，每个月扣我港区的 iCloud，而且 ZA 最坑的是在境外（香港外）付款要手续费\n好奇大家港卡拿来都干点啥？投资买券商嘛？还是也和楼主一样吃灰","cooked":"

之前楼主 8 月份到 HK 开卡，开了 ZA 和汇丰两家
\n开完之后 10 月，招行推出了非常好用的万事达普卡，这卡消费不占用年度外汇便利额度，而且自动购汇，人民币账户使用万事达汇率结算
\n而且经过楼主测试，在境外平台上，如 Cursor、Netcup、Steam 均可付款
\n因此楼主的港卡，目前就只用了一张 ZA，每个月扣我港区的 iCloud，而且 ZA 最坑的是在境外（香港外）付款要手续费
\n好奇大家港卡拿来都干点啥？投资买券商嘛？还是也和楼主一样吃灰

\n","createdAt":"2026-01-02 11:25:37.664927","updatedAt":"2026-01-02 11:25:37.664927","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":179,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":69697,"postNumber":2,"raw":"汇丰 26 年后开的，账户存款少于 1W HKD 似乎要管理费了，一个月要收 100HKD","cooked":"

汇丰 26 年后开的，账户存款少于 1W HKD 似乎要管理费了，一个月要收 100HKD

\n","createdAt":"2026-01-02 11:26:22.052193","updatedAt":"2026-01-02 11:26:22.052193","replyToPostNumber":null,"replyCount":2,"likeCount":4,"wordCount":30,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"😰️","count":1,"users":[{"id":7720,"username":"xuanzha","name":null}],"hasReacted":false},{"reaction":"❤️","count":4,"users":[{"id":346,"username":"hoist","name":null},{"id":1835,"username":"Dusk","name":"夕大画家"},{"id":2902,"username":"1313","name":"ᐕ)ﾉ"},{"id":7720,"username":"xuanzha","name":null}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":69701,"postNumber":3,"raw":"券商今年限制大陆开户了吧？不过我个人还是想过去办张卡的","cooked":"

券商今年限制大陆开户了吧？不过我个人还是想过去办张卡的

\n","createdAt":"2026-01-02 11:52:58.416677","updatedAt":"2026-01-02 11:52:58.416677","replyToPostNumber":null,"replyCount":1,"likeCount":0,"wordCount":27,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1950,"username":"nanfeng","name":"小西从小就很可爱","avatarUrl":"/uploads/image/85/ad/85adbc40bf2703b3f1fa15f529bfc44b32f94b3c4d214e2d6bff67904b8d4ebb.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":69704,"postNumber":4,"raw":"仅服务有钱人呐。管理费这么贵。\n说来我也得把我美卡注销了。","cooked":"

仅服务有钱人呐。管理费这么贵。
\n说来我也得把我美卡注销了。

\n","createdAt":"2026-01-02 11:59:49.581427","updatedAt":"2026-01-02 12:00:58.82982","replyToPostNumber":2,"replyCount":1,"likeCount":0,"wordCount":28,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":346,"username":"hoist","name":null,"avatarUrl":"/uploads/image/0d/cd/0dcdf69d213b6798002779ad4b729567cd4d889ee4a56c07a8c4454e8b563219.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":69705,"postNumber":5,"raw":"[quote=\"小西从小就很可爱，post:3, topic:15344, username:nanfeng\"]\n券商今年限制大陆开户了吧？\n[/quote]\n\n似乎去年就开始了，我手上有 IBKR 的，但是没咋用","cooked":"

\n\t\t\t\t\t

\n\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t小西从小就很可爱，post:3, topic:15344, username:nanfeng:\n\t\t\t\t\t\t

\n\t\t\t\t\t

\n
券商今年限制大陆开户了吧？
\n

\n\t\t\t\t

似乎去年就开始了，我手上有 IBKR 的，但是没咋用

\n","createdAt":"2026-01-02 12:14:25.93723","updatedAt":"2026-01-02 12:14:25.93723","replyToPostNumber":3,"replyCount":0,"likeCount":0,"wordCount":47,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":69706,"postNumber":6,"raw":"[quote=\"hoist, post:4, topic:15344\"]\n仅服务有钱人呐。管理费这么贵。\n[/quote]\n\n存量用户不受影响，但是汇丰确实比较玄学，似乎小额转账也会被关户","cooked":"

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\thoist:\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n
仅服务有钱人呐。管理费这么贵。
\n

\n\t\t\t\t\t\t

存量用户不受影响，但是汇丰确实比较玄学，似乎小额转账也会被关户

\n","createdAt":"2026-01-02 12:14:59.442905","updatedAt":"2026-01-02 12:14:59.442905","replyToPostNumber":4,"replyCount":0,"likeCount":0,"wordCount":50,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":69735,"postNumber":7,"raw":"倒也不完全吃灰，但用得确实不多\nBOC<->BOCHK 作为内地和 HK 互转途径（由于某些未知原因跨境支付通我从来没成功过）\nHSBC 用来绑 steam 消费\nZA 用来买土耳其礼品卡充 GPT Plus\n\n和内地的 MasterCard 相比最大优势是能加进 Apple Pay，出境以后直接 tap to pay 不用担心泄露实体卡号和 cvv（在 HK 待过一段时间，除了 cash-only 的店基本都支持 MasterCard 走 Apple Pay 付款）","cooked":"

倒也不完全吃灰，但用得确实不多
\nBOC<->BOCHK 作为内地和 HK 互转途径（由于某些未知原因跨境支付通我从来没成功过）
\nHSBC 用来绑 steam 消费
\nZA 用来买土耳其礼品卡充 GPT Plus

和内地的 MasterCard 相比最大优势是能加进 Apple Pay，出境以后直接 tap to pay 不用担心泄露实体卡号和 cvv（在 HK 待过一段时间，除了 cash-only 的店基本都支持 MasterCard 走 Apple Pay 付款）

\n","createdAt":"2026-01-03 12:24:10.604346","updatedAt":"2026-01-03 12:24:10.604346","replyToPostNumber":null,"replyCount":1,"likeCount":1,"wordCount":132,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1835,"username":"Dusk","name":"夕大画家","avatarUrl":"/uploads/image/43/a8/43a86f758cfb25e3fb96db731cc79af62ce007e0b24595de1258d3d428a65ca3.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":69736,"postNumber":8,"raw":"[quote=\"夕大画家，post:7, topic:15344, username:Dusk\"]\nHSBC 用来绑 steam 消费\n[/quote]\n\n之前一直听说 HSBC 快进快出容易被清退\n请问用来小额消费有风险吗？","cooked":"

\n\t\t\t\t\t

\n\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t夕大画家，post:7, topic:15344, username:Dusk:\n\t\t\t\t\t\t

\n\t\t\t\t\t

\n
HSBC 用来绑 steam 消费
\n

\n\t\t\t\t

之前一直听说 HSBC 快进快出容易被清退
\n请问用来小额消费有风险吗？

\n","createdAt":"2026-01-03 12:55:41.014468","updatedAt":"2026-01-03 12:55:41.014468","replyToPostNumber":7,"replyCount":1,"likeCount":1,"wordCount":45,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":1835,"username":"Dusk","name":"夕大画家"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":69751,"postNumber":9,"raw":"[quote=\"Soyo34325, post:8, topic:15344, username:Soyo34325\"]\n之前一直听说 HSBC 快进快出容易被清退\n[/quote]\n我也听说过，但我目前还没有券商需求，所以问题应该不大\n\n[quote=\"Soyo34325, post:8, topic:15344, username:Soyo34325\"]\n请问用来小额消费有风险吗？\n[/quote]\n我认为只要是合理范围内的消费就不太会有风险，比如我在香港的那两个月平时吃饭和买零食等日常开销就是 HSBC 和 BOCHK 轮着刷，以及我的 steam 大号也是港区的，偶尔花一点出去我认为很合理","cooked":"

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\tSoyo34325:\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n
之前一直听说 HSBC 快进快出容易被清退
\n

\n\t\t\t\t\t\t

\n我也听说过，但我目前还没有券商需求，所以问题应该不大\n

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\tSoyo34325:\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n
请问用来小额消费有风险吗？
\n

\n\t\t\t\t\t\t

\n我认为只要是合理范围内的消费就不太会有风险，比如我在香港的那两个月平时吃饭和买零食等日常开销就是 HSBC 和 BOCHK 轮着刷，以及我的 steam 大号也是港区的，偶尔花一点出去我认为很合理","createdAt":"2026-01-04 02:09:15.751116","updatedAt":"2026-01-04 02:09:15.751116","replyToPostNumber":8,"replyCount":0,"likeCount":1,"wordCount":146,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1835,"username":"Dusk","name":"夕大画家","avatarUrl":"/uploads/image/43/a8/43a86f758cfb25e3fb96db731cc79af62ce007e0b24595de1258d3d428a65ca3.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":69825,"postNumber":10,"raw":"这样子嘛 :face_with_open_eyes_hand_over_mouth:我还想着寒假回去办一张呢","cooked":"

这样子嘛 🫢我还想着寒假回去办一张呢

\n","createdAt":"2026-01-05 05:29:16.604875","updatedAt":"2026-01-05 05:29:16.604875","replyToPostNumber":2,"replyCount":1,"likeCount":0,"wordCount":17,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5142,"username":"竹千代","name":null,"avatarUrl":"/uploads/image/9d/a1/9da1ca3f5c8293f5295230227cc47d67a0b14e725f61efdf67fd083cefc5243c.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":69868,"postNumber":11,"raw":"可以办中银和 ZA\n我用 ZA 比较多 :smiling_face_with_tear:","cooked":"

可以办中银和 ZA
\n我用 ZA 比较多 🥲

\n","createdAt":"2026-01-06 07:40:20.713059","updatedAt":"2026-01-06 07:40:26.579513","replyToPostNumber":10,"replyCount":1,"likeCount":0,"wordCount":14,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":69884,"postNumber":12,"raw":"好的～因为我家人都用汇丰，所以我一开始也想开汇丰的卡 :nerd:","cooked":"

好的～因为我家人都用汇丰，所以我一开始也想开汇丰的卡 🤓

\n","createdAt":"2026-01-06 12:41:52.243879","updatedAt":"2026-01-06 12:41:52.243879","replyToPostNumber":11,"replyCount":0,"likeCount":1,"wordCount":27,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5142,"username":"竹千代","name":null,"avatarUrl":"/uploads/image/9d/a1/9da1ca3f5c8293f5295230227cc47d67a0b14e725f61efdf67fd083cefc5243c.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":69925,"postNumber":13,"raw":"楼主因为一直没有收到密码函，所以原本打算 1 月下旬亲临香港汇丰分行，线下真实\n然后 1 月 6 日突然更新\n港澳通行证也可以直接在线上激活网银了\n刚才用跨境支付通转了 100HKD 也是没有任何问题","cooked":"

楼主因为一直没有收到密码函，所以原本打算 1 月下旬亲临香港汇丰分行，线下真实
\n然后 1 月 6 日突然更新
\n港澳通行证也可以直接在线上激活网银了
\n刚才用跨境支付通转了 100HKD 也是没有任何问题

\n","createdAt":"2026-01-07 03:34:52.880708","updatedAt":"2026-01-07 03:34:52.880708","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":84,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":70519,"postNumber":14,"raw":"hsbc debit 每月交一次港区 apple music 的钱","cooked":"

hsbc debit 每月交一次港区 apple music 的钱

\n","createdAt":"2026-01-17 13:28:04.45273","updatedAt":"2026-01-17 13:28:04.45273","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":13,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":7137,"username":"emu_otori","name":"鳳笑夢","avatarUrl":"/uploads/image/0b/13/0b133abcd3dfadb90fdbf7583cfdc31ec56db3dbd063fce95dbe0f09296b527a.avif","admin":false,"moderator":true,"signatureRaw":null,"signatureCooked":null}}],"hasMore":false,"lastReadPostNumber":11,"hasUrlPostNumber":true}