Hi there

Just want to check if my understanding of this whole Octopus situation is more or less correct.

Octopus App versus Octopus for Tourists App: is the Tourist version just a sort of stripped-down, simplified version of the regular app, without features like Rewards and Subsidies that short term visitors won't benefit from? And is the reason to NOT install the regular app as a tourist that you'd need an HKID and a HK credit card to activate and use it?

Are fares cheaper when using the Octo-4-Tourists app? Or is the primary benefit convenience? Ie, not having to buy single fares each time you take transport. I'm only in HK for a few days and it looks like most of my intended destinations are within walking distance of my hotel, so I'm wondering if I should bother with Octopus at all, or just pay cash for the few ferry/MTR trips I might take. Can you buy the single fare tickets with a credit card?

TIA for any info or opinions.