Best Cash Back Credit Cards Hong Kong

Updated June 2018

Earn cash rebate on dining, hotel bookings or online shopping spend by using cash back credit cards. Compare and choose from a wide range of flat rate, tier based or special bonus category cash back credit cards in Hong Kong.

%e6%ad%a3
Citi Cash Back Visa Card

$240,000

Min. Annual Salary

2%

Cash back on overseas spend

2%

Cash back on local spend

Promotion: Up to HK$1,440 cash back for welcome rewards or CMM Real Madrid Player Club SIM Gift Pack
Sponsored

Welcome Offer up to HK$1,440 Cash Rebate

  • 2% rebate on global dining and hotel spending
  • 2% rebate on other spending in foreign currency
  • Auto rebate with no cap all year round
  • Get free Club SIM 4-day travel pack for online application only
Learn More
Sponsored listing cashback citibank moneysmart
Best for: Cash back rewards seekers, especially those who frequently spend on dining and local merchants in Hong Kong
Pros
  • Attractive welcome offer of HK$1,440 cash rebate = HK$1,200(welcome) + HK$240(up to 2% standard cash rebate)
  • 2% cash rebate on global dining and hotel spending
  • 2% cash rebate on other spending in foreign currency
  • 1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
  • Enjoy all Visa Signature Privileges
Cons
  • No rebates on bill-payment
%e8%9e%a2%e5%b9%95%e5%bf%ab%e7%85%a7 2018 02 26 %e4%b8%8b%e5%8d%884.13.37
EarnMORE UnionPay Card

$0

Min. Annual Salary

2%

Cash back on overseas spend

2%

Cash back on local spend

Promotion:
Welcome gift : 27" travel luggage / HK$500 cash rebate / 8 pieces of movie ticket / HK$90,000 interest-free
MoneySmart Offer: Additional HK$200 cash back upon approval
Best for: People who focus on cash rebate in all spending no matter local or overseas spending
Pros
  • Unlimited 2% Cash Rebate for all categories eligible purchase
  • Automatic Add Value Service in Octopus Card also have 2% cashback
  • Handling fee waiver for overseas spending
  • Up to 3 complimentary visits at any time of year (free access) to the Plaza Premium Lounges
Cons
  • Buy 1 get 1 free ticket in Cinema City is only valid on the specified day
Dbs eminent visa platinum card
DBS Eminent Visa Platinum Card

$150,000

Min. Annual Salary

2%

Cash back on overseas spend

3%

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer
Best for: People who like to earn cash back and doesn't like to search for spending offers
Pros
  • Attractive welcome offer: 10% rebate without minimum spending requirement
  • Up to 3% unlimited rebate all year round: 1% rebate on local spend, 2% rebate on spending in foreign currencies, 3% rebate on designated spending
  • 10% off movie tickets at AMC, broadway circuit, The Metroplex and UA Cinemas
  • Free small-sized popcorn for purchasing movie tickets via mobile payment at all MCL, Golden Harvest and the Sky
Cons
  • Mileage conversion fee
  • No rebates for settling bills
Standard chartered simply cash visa card
Standard Chartered Simply Cash Visa Card

$240,000

Min. Annual Salary

2%

Cash back on overseas spend

1.5%

Cash back on local spend

Promotion: Up to HK$2,000 Cash Back and 0% APR
Best for: Cash rebate seekers
Pros
  • Attractive welcome offer, spend HK$1,000 rebate HK$1,000
  • 1.5% rebate on local spending, including Octopus Automatic Add Value Services
  • Income requirement HK$240,000 only
  • Enjoy all promotion of Visa Signature
Cons
  • No rebates on ebanking bill-payment and insurance payment
Wewaunionpay
WeWa UnionPay Card

$0

Min. Annual Salary

0.40%

Cash back on overseas spend

4%

Cash back on local spend

Promotion:
Flight ticket from HongKong to Bangkok with HK$100 hotel voucher or 8 pieces of Movie ticket or HK$500 Cash rebate
MoneySmart Offer: Additional HK$200 cash back upon approval
Best for: Cash rebate seekers on lifestyle usage
Pros
  • Up to 4% cash rebate within “Travel”, “Cinema”, “Karaoke” and “Theme Park” categories
  • Enjoy at least 5 times i.e. 2% cash rebate with mobile app “Shake to Reward” promotion upon spending at designated merchant categories or making cash advance of HK400 or above
  • Without transaction fee on overseas purchase
  • Student can apply this card
Cons
  • Only 0.4% cash rebate for non-specific category
%e8%9e%a2%e5%b9%95%e5%bf%ab%e7%85%a7 2018 03 08 %e4%b8%8b%e5%8d%884.27.49
HSBC Visa Gold Card

$60,000

Min. Annual Salary

2.4%

Cash back on overseas spend

2.4%

Cash back on local spend

Promotion: Apply online for enjoying up to HK$2,000 welcome offer
Best For: Those looking for a simple day-to-day card with dining and shopping benefits
Pros
  • Earn extra 6X RewardCash with "Red Hot Rewards of Your Choice" on your frequent spending category
  • Discounts from many merchants, such as restaurants and hotels
  • Many offers for overseas, online and dining spending, etc
Cons
  • Fee charged for mileage conversion
  • HK$250 = $1 RewardCash if the spending does not qualify for "Red Hot Rewards of Your Choice"
  • Online billing can't earn RewardCash
Scb platinum visa
Standard Chartered Platinum Card

$150,000

Min. Annual Salary

0.4%

Cash back on overseas spend

0.4%

Cash back on local spend

Promotion: Welcome offer HK$600 Shopping Voucher
Best for: Those looking for points with the flexibility to convert into cash back, air miles, or shopping vouchers
Pros
  • No expiry of 360° Rewards Points
  • Points can convert to cash, mileage and voucher
Cons
  • Fee charged for mileage conversion(HK$300)
  • No rebates on ebanking bill-payment and insurance payment
%e8%9e%a2%e5%b9%95%e5%bf%ab%e7%85%a7 2018 01 22 %e4%b8%8a%e5%8d%8810.42.05
HSBC Visa Signature Card

$480,000

Min. Annual Salary

5.6%

Cash back on overseas spend

3.6%

Cash back on local spend

Promotion: Apply online for enjoying up to HK$2,000 welcome offer
Best for: Those looking to earn maximum amount of points on a particular category of their choosing, particularly for oversees spending
Pros
  • Earn up to 14X RewardCash for spending in Rewards of Your Choice category
  • Up to 5.6% RewardsCash rebate (ie. HK$2.78 for 1 mile)
  • Enjoy privileged dining offers and buy-1-get-1-free drinks at select restaurants
  • Free Private Label Card to enjoy up to 10% discount for items in city'super, LOG-ON, cookedDeli and Harvey Nichols
Cons
  • Fee charged for mileage conversion
Dbs eminent visa signature card
DBS Eminent Visa Signature Card

$360,000

Min. Annual Salary

2%

Cash back on overseas spend

3%

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer
Best for: People who like to earn cash back and doesn't like to search for spending offers
Pros
  • Attractive welcome offer: 10% rebate without minimum spending requirement
  • Up to 3% unlimited rebate all year round: 1% rebate on local spend, 2% rebate on spending in foreign currencies, 3% rebate on designated spending
  • Buy-1-get-1-free dining offer for Visa Signature Card, including The Mira Hong Kong, Grand Hyatt Hong Kong, Hyatt Regency Hong Kong, Sha Tin and Mandarin Oriental, Macau, etc.
  • 10% off movie tickets at AMC, broadway circuit, The Metroplex and UA Cinemas
  • Free small-sized popcorn for purchasing movie tickets via mobile payment at all MCL, Golden Harvest and the Sky
Cons
  • Mileage conversion fee
  • No rebates for settling bills via e-banking
%e8%9e%a2%e5%b9%95%e5%bf%ab%e7%85%a7 2018 02 20 %e4%b8%8b%e5%8d%8812.26.29
Citi Octopus Platinum Card

$150,000

Min. Annual Salary

0.5%

Cash back on overseas spend

0.5%

Cash back on local spend

Promotion: HK$300 HKTVmall Electronic Gift Voucher or HK$200 Cash Rebate or CMM Real Madrid Player Club SIM Gift Pack
Best for: People who use Octopus card frequently and focus on cash rebate
Pros
  • 2-in-1 credit card with Octopus service
  • HK$200 = HK$1 Octopus cash back
  • Automatic top up of HK$250 when your Octopus balance is running low
  • 10% KMB and LWB Fare Rebate
  • Enjoy year round dining offers through Citi World Privileges
Cons
  • 0.5% cash back
Hsbc visa platinum card
HSBC Visa Platinum Card

$150,000

Min. Annual Salary

4.4%

Cash back on overseas spend

2.4%

Cash back on local spend

Promotion: Apply online for enjoying up to HK$2,000 welcome offer
Best For: People who want to earn maximum amount of points to be used for a category of their choosing
Pros
  • Discounts at over 5000 dining and shopping outlets year-round
  • Earn RewardCash by settling Premium / tuition via e-banking (only for the first HK$10,000 each month)
  • Enjoy up to 6X RewardCash for spending in a category of your choice
  • Visa Platinum Exclusive Benefits: Concierge services including travel information and restaurant reservations, exclusive hotel and car rental offers, and application for Private Label Cards (city'super, CODE, Dickson, and HARVEY NICHOLS)
  • No extra fee for Dynamic Currency Conversion transactions
Cons
  • Fee charged for mileage conversion
  • HK$250 = $1 RewardCash if the spending does not qualify for "Red Hot Rewards of Your Choice"
Standard chartered unionpay dual currency platinum credit card
Standard Chartered UnionPay Dual Currency Platinum Credit Card

$96,000

Min. Annual Salary

0.80%

Cash back on overseas spend

0.4%

Cash back on local spend

Promotion: Welcome offer for HK$600 Shopping Voucher
Best for: Frequent travelers to China and overseas
Pros
  • Attractive welcome offer: Enjoy a HK$600 Shopping Voucher when you apply for the UnionPay Dual Currency Credit Card
  • Waiver of foreign exchange markup on spending in CNY and foreign currencies
Cons
  • No rebates on bill-payment and insurance payment
Citi clear card
Citi Clear Card

$60,000

Min. Annual Salary

2%

Cash back on overseas spend

0.4%

Cash back on local spend

Promotion: Up to 8 Movie Vouchers or HK$800 HKTVmall Electronic Gift Voucher for welcome gift or CMM Real Madrid Player Club SIM Gift Pack
Best for: People who love online spending frequently and love watch movies at the cinema
Pros
  • 2% cash rebate on online spending in foreign currency
  • Free movie tickets as welcome offer
  • 10% off Citi Studio 4DX movie tickets, 12% off for 3D / 2D movie tickets (Maximum 8 tickets per transaction), and 10% off for concession items
  • Buy 1 get 1 free on Friday to Sunday for 3D / 2D movie tickets is eligible on local spending >HK$500 made by the Citi Clear Card in the same or previous calendar month as the Cinema City movie ticket purchase.
  • Simple approval conditions which students can also apply
Cons
  • Cannot earn mileage
  • No rebates for settling bills via e-banking
Dbs black world mastercard
DBS Black World Mastercard

$240,000

Min. Annual Salary

1.2%

Cash back on overseas spend

0.8%

Cash back on local spend

Promotion: Up to 80,000 Miles or DBS$1,000
Best for: Travel lovers, using DBS$ to redeem mileage, or instant redeem flight ticket or hotel via iGO Rewards
Pros
  • Attractive welcome offer:First HK$5,000 local spending HK$1 = 1 Mile and first HK$70,000 overseas spending HK$2.5 = 1 mile
  • No expiry date on DBS$
  • No charges on the conversion from DBS$ to miles
  • 20% off Cash Rebate Redemption Promotion
  • Exclusive 45% off iGO Rewards Redemption
  • Complimentary newspaper/magazine redemption at airport
  • Use DBS$ to redeem flights, hotels, car rental or packages
  • Top up in PayMe can earn HK$6 = 1 Mile
  • Redeem mileage points such as Asia Miles, Avios, KrisFlyer and PhoenixMiles with your DBS$
  • Access in airport lounge when the flight delay 2 hours
Cons
  • No miles on bill-payment and insurance payment
  • No complimentary travel insurance
All results loaded