Best Cash Back Credit Cards Hong Kong

Updated December 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.

Other Cash Back Cards
BEA Visa Signature Card
BEA Visa Signature Card

HK$240,000

Min. Annual Salary

1.6%

Cash back on overseas spend

2.4%

Cash back on local spend

Promotion: Welcome offer: HK$800 Maxim’s Gift Coupon
Best for: Those who frequently spend on dining and local merchants in Hong Kong
Pros
  • Unlimited 6X Bonus Points (2.4% rebate) at all dining outlets in Hong Kong
  • Unlimited 4X Bonus Points (1.6% rebate) for all overseas spending/li>
  • Reach the designated spending amount for any calendar year with your BEA Visa Signature Card, will be entitled to free 7-day family travel insurance plans in the following year
  • 10% off on UA/MCL cinemas/ The Metroplex
Cons
  • No Bonus Points will be offered for selected online bill payments
  • No Bonus Points will be offered for purchases and/or adding value to stored-value cards or e-Wallets (except PayMe/ Octopus Automatic Add Value Service)
  • No extra 0.6 Points for PayMe/ Octopus Automatic Add Value Service
  • Points can't convert to Asia Miles
Standard Chartered Simply Cash Visa Card
Standard Chartered Simply Cash Visa Card

HKD240,000

Min. Annual Salary

2%

Cash back on overseas spend

1.5%

Cash back on local spend

Promotion: Welcome offer up to HKD2,000 CashBack
Best for: CashBack seekers
Pros
  • Attractive New Cardholders welcome offer, up to HKD2,000 CashBack (100% CashBack [up to HKD1,000] + Lucky draw for extra HKD1,000 CashBack)
  • Receive extra HKD100 CashBack when apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card at the same time
  • 1.5% CashBack on local currency spending, including Octopus Automatic Add-Value transactions
  • Minimum annual income requirement is HKD240,000
  • Enjoy all promotions of Visa Signature
Cons
  • No CashBack on bill payments made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Services and insurance payments
DBS Compass VISA
DBS Compass VISA

$100,000

Min. Annual Salary

0.4%

Cash back on overseas spend

1%

Cash back on local spend

Promotion: Welcome gift: Dunlop Aztec Collection 28” Suitcase/ HK$400 PARKnSHOP “InstaRedeem” Amount/ 6 MCL movie ticket vouchers
Best for: General public especially those who always go for daily supplies
Pros
  • Lower salary requirement (HK$100,000)
  • Spend greater than or equal to HK$100 in a single purchase at PARKnSHOP to enjoy 8% discount on the 2nd, 12th and 22nd day of every month
  • Spend greater than or equal to HK$500 in a single purchase at Watsons to enjoy 8% discount at Watsons on the 5th, 15th and 25th day of every month
  • Spending at Taobao® Marketplace and Tmall can earn 3% COMPASS Dollar rebate with COMPASS VISA.
Cons
  • No points for settling bills via e-banking
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
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: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
Best For: People who want to earn maximum amount of points to be used for a category of their choosing
Pros
  • Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
  • HSBC 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)
  • Earn RewardCash by settling Premium / tuition via e-banking (only for the first HK$10,000 each month)
  • No extra fee for Dynamic Currency Conversion transactions
    Cons
    • Fee charged for mileage conversion
    Citi Rewards Visa Card
    Citi Rewards Visa Card

    $150,000

    Min. Annual Salary

    0.4%

    Cash back on overseas spend

    3.2%

    Cash back on local spend

    Promotion: Limited Time Double Welcome Offer 270,000 Points! Can be redeemable up to HK$1,200 Voucher or Round trip ticket to Taipei 2 sets!
    Best for: Frequent shoppers looking to maximize points that can be used for a wide range of redemption options
    Pros
    • Limited Time Double Welcome Offer 270,000 Points! up to HK$1,200 Voucher or Round trip ticket to Taipei 2 sets!
    • After applying Citi Rewards Card via MoneySmart, receive an exclusive Sasa HK$100 voucher without any spending requirement. Click here to learn more and redeem
    • Enjoy 5X points (=HK$3/Mile) all year round and 8X points (=HK$1.875/Mile) during your birthday month for spending in supermarkets, department stores and telecommunication bill payments
    • E-wallet transaction is eligible as welcome offer spending (PayMe, WhChat Pay, AliPay, etc.)
    • Points never expire
    • Redeem cash coupons up to 30% off at designated redemption hotspots or online found in Citi ThankYou Rewards
    • Redeem points for a wide variety of options including movie tickets, air miles, and instantly offsetting spending
    Cons
    • Fees will be charged for converting points into miles
    • No points for making payment through online e-banking
    • No offers for overseas spending
    BEA i-Titanium Card
    BEA i-Titanium Card

    HK$40,000

    Min. Annual Salary

    0.4%

    Cash back on overseas spend

    3%

    Cash back on local spend

    Promotion: Welcome offer: HK$400 Maxim’s Gift Coupon / Delsey 70cm 4 double wheels expandable suitcase
    Best for: Online shopping and cash rebate lovers
    Pros
    • 3% cash rebate on online shopping
    • 4.4% cash rebate on "BEA Days" selected category spending
    • Minimum annual income requirement is HK$40,000
    • Simple approval conditions which students can also apply
    Cons
    • No CashBack on e-banking payment
    WeWa UnionPay Card
    WeWa UnionPay Card

    $0

    Min. Annual Salary

    0.40%

    Cash back on overseas spend

    4%

    Cash back on local spend

    Promotion: Welcome gift : Redemption price for Nintendo Switch Package or DAHON Folding Bikes or HK$500 cash rebate
    Extra $100 cash rebate for successful application via MoneySmart
    Best for: Cash rebate seekers on lifestyle usage
    Pros
    • Up to 4% cash rebate within “Travel”, “Cinema”, “Karaoke” and “Theme Park” categories
    • Make a single transaction or an overdraft of HK$400 or above to join “Shake to Win” on OmyCard mobile app. Grasp your chance to shake your prize of free spending credit! The more you spend, the more you earn! (Trade Promotion Competition Licence number: 50920-1)
    • Without transaction fee on overseas purchase
    • Student can apply this card
    Cons
    • Only 0.4% cash rebate for non-specific category
    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: Welcome offer HK$800 Movie Vouchers + Buy-1-Get-1-Free movie tickets + Priority booking on entertainment shows!
    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
    Citi Octopus Platinum Card
    Citi Octopus Platinum Card

    $150,000

    Min. Annual Salary

    0.5%

    Cash back on overseas spend

    0.5%

    Cash back on local spend

    Promotion: Welcome Offer HK$300 Wellcome Cash Coupon!
    Best for: People who use Octopus card frequently and focus on cash rebate
    Pros
    • Welcome offer HK$300 Wellcome Cash Coupon
    • 15% KMB and LWB Fare Rebate
    • 2-in-1 credit card with Octopus service, Automatic top up of HK$250 when your Octopus balance is running low
    • HK$200 = HK$1 Octopus cash back, rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
    • Low annual income requirement for HK$150,000
    Cons
    • 0.5% cash back
    Standard Chartered Platinum Credit Card
    Standard Chartered Platinum Credit Card

    HKD150,000

    Min. Annual Salary

    0.35%

    Cash back on overseas spend

    0.35%

    Cash back on local spend

    Best for: Those looking for points with the flexibility to convert into cash, air miles, or shopping vouchers
    Pros
    • New Cardholders welcome offer: HKD600 cash rebate
    • Receive HKD800 cash rebate when apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card at the same time and fulfilled relevant requirement
    • No expiry of 360° Rewards Points
    • Points can convert to cash, mileage and voucher
    • Low annual income requirement of HKD150,000 or above
    Cons
    • Fee charged for mileage conversion(HKD300)
    • No rebates on ebanking bill-payment
    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
    HSBC Visa Gold Card
    HSBC Visa Gold Card

    $60,000

    Min. Annual Salary

    2.4%

    Cash back on overseas spend

    2.4%

    Cash back on local spend

    Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
    Best For: Those looking for a simple day-to-day card with dining and shopping benefits
    Pros
    • Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
    • Discounts from many merchants, such as restaurants and hotels
    • Many offers for overseas, online and dining spending, etc
    Cons
    • Fee charged for mileage conversion
    • Online billing can't earn RewardCash
    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: Welcome offer: Up to 80,000 miles
    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$2.5 = 1 mile
    • No expiry date on DBS$
    • 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
    • Access in airport lounge when the flight delay 2 hours
    Cons
    • No miles on bill-payment and insurance payment
    • No complimentary travel insurance
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