Hong Kong is pretty easy by card, though they do love their older gen tech like Octopus.
The Star Ferry takes cards now.
Amex card holders only pay 1HKD/ 10p, but you got to check the card fees.
Oh interesting. What do you mean by card fees here?
Even though it's old tech, Octopus is still much faster than contactless/barcode.
If you want to buy an Ocotopus card at the station, its cash only. (weirdly).
Octopus effectively started off as electronic cash. If it was possible to pay by card, people would buy and top them with card, then get a refund in cash, costing the MTR/Octopus the merchant fees.
HK residents can however set up an auto-top up from several local HK credit cards.
Perhaps around 2015, an Octopus vending machine at the airport was introduced which accepted credit cards to buy preloaded new Octopodes. I promptly purchased around 50 cards, used them for a bit then refunded them, earning credit card points on HK$150 per card that I got back as cash.
During Covid, this machine disappeared, but I think I saw it was back again when I arrived in HK last week.
As far as I know, the fees to smaller merchants to accept Octopus used to be around 0.5% (likely negotiable downwards for larger merchants), but recently in a drive to increase acceptance there was a promotion where merchants got charged no fees and could attach a small reader to their phone where the money would be sent straight to their bank account. So a lot more small shops that were previously cash-only started accepting Octopus since covid.
There now exists an Octopus app for tourists which allows you to use your phone as an Octopus, but I have been told that this comes with extra fees, and also you are forced to pay in the home currency of your bank card, with a 5% or worse loading on the exchange rate to HKD.