Best Cash Back Credit Cards in Hong Kong 2026
Compare and find the best cashback credit cards in Hong Kong to get the most cash rebate in eligible transactions, and get extra cash rewards on designated spending categories.
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We found 54 credit cards for you!
🌟Limited-Time Offer【Spend HK$4,000 to Redeem Rewards Worth Up to HK$3,890 + HK$200 Cashback Upon Card Approval!】
New customers who successfully open a Mox account and apply for a Mox Credit Card via MoneySmart invitation code “2000MOXMS” can first enjoy:
1️⃣ 🏖️Trip.com 8% Hotel Bookings Promo Code + Trip.com HK$100 Flights Promo Code (fulfilled by MoneySmart), plus [⚡️limited-time until 7.31!] HKD200 cash rebate upon card approval (fulfilled by Mox);
2️⃣ Spend HK$4,000 within 60 days of card approval and choose ONE of the following rewards:
・DELSEY SHADOW 5.0 75 CM 4 Double Wheels Expandable Trolley — Suggested Retail Price: HK$3,890
・[🔥NEW!] Marshall Emberton II Portable Bluetooth Speaker — Black & Brass — Suggested Retail Price: HK$1,499
・[🔥NEW!] Apple AirPods 4 — Suggested Retail Price: HK$1,099
・Wellcome HK$1,000 E-Shopping Vouchers
(Fulfilled by Mox; rewards are limited and available on a first-come, first-served basis while stock lasts)
3️⃣ Deposit HKD100,000 or above into your current account within 7 days of account opening, maintain the balance for 60 days or more and have your Mox credit card approved to enjoy 💰 an additional HKD1,000 cash rebate!
*Subject to “2000MOXMS” Invitation Code Promotion Terms and Conditions.
Valid till 31 Jul 2026
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【July Flash Deal⚠️ Apply to Earn HK$1,500 Cash Vouchers / Up to HK$3,600 Rewards!】
From now until 10 July 2026, New Cardholders who successfully apply for Standard Chartered Smart Card via MoneySmart and get approved can enjoy one of the following rewards, with no spending required:
・Medicube Age-R Ultra Tune 40.68 Facial Beauty Device (Value: HK$3,600, random color)
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color)
・AirPods Pro 3 (Value: HK$1,849, random color)
・BRUNO Oval Hot Plate + Grill Set + Steamer Set (Value: HK$1,798, random color)
・HK$1,500 Apple Store Gift Card / ParknShop e-Vouchers / Trip.com e-Vouchers
＋Trip.com up to 8% Hotel Bookings 🏨 Promo Code + Trip.com up to HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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Plus, you can also earn SCB Welcome Offer: make Accumulated Eligible Transactions of HK$3,500 within the first month after card issuance can earn HK$1,000 CashBack (valid until 7.30)!
Valid till 10 Jul 2026
⚡July Exclusive Deal【🔥Earn HK$1,000 Cash/ Up to HK$3,700 Rewards】
From 7 July until 14 July 2026, customers who successfully apply for sim Credit Card/ sim World Mastercard® via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance; OR select "Up to HKD100,000 6-month interest-free and monthly handling fee waived Cash Instalment Plan" as the sim Welcome offer, activate the credit card and successfully approved for the Cash Instalment Plan, can enjoy 🏨 Trip.com 8% Hotel Bookings Promo Code + ✈️ Trip.com HK$100 Flights Promo Code (upon claim submission); AND will be entitled one of the following gifts (choose 1 out of 7)🎁 :
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458)
・Apple AirPods 4 (Value: HK$1,099)
・[🔥Limited-time Upgrade] HK$1,000 ParknShop e-Vouchers/ HK$1,000 Cash via FPS (automatically converted by 10,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
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💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!
Valid till 14 Jul 2026
⚡【4-Day Flash Offer ✨ Upgraded Gifts or HK$2,000 Cash! Rewards Worth Up to HK$5,200 + Trip.com Promo Codes! 🎉】
From 7 July to 10 July 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 July 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388) or
🎁 Plus Minus Zero XQJ-C010(II) Dehumidifier (Value: HK$3,298, random color) or
🎁 Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398, random color) or
💳 HK$2,000 Apple Store Gift Card / ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 10 Jul 2026
【☀️ Summer Travel Ready】Spend HK$100 to Unlock HK$1,000 Vouchers or Travel Rewards Worth Up to HK$2,600!
Summer holiday is the perfect time to plan your next trip! From now until 15 July 2026, new and existing credit card customers who successfully apply for Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate eligible retail spending of HK$100 within 30 days after card issuance can choose 1 exclusive reward — perfect for online travel bookings, shopping for travel gear, or upgrading your airport experience.
🎁 New Customers can enjoy one of the rewards below:
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers or
・4 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total Value: HK$2,600) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100) or
・Medicube Age-R Booster Cleanser + Booster Pro Mini Plus + PDRN Hydrating Gel Cleanser 200ml (Value: HK$1,970)
*Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. HKG bonus: choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
✨ Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)
Valid till 15 Jul 2026
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【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 12 July 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 22 July 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks:
🌟 Enjoy bank welcome offer up to $900 RewardCash
🌟 Register to enter the 【Limited-Time Welcome Lucky Draw】—Guaranteed Prize: $50 RewardCash; or Grand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners)(Promotion ends 31 Jul 2026)!
Valid till 31 Jul 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 July 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 31 Jul 2026
From now until 20 July 2026, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart, can enjoy an extra 5,000 SmartPoints and free to redeem HK$500 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
Valid till 20 Jul 2026
⚡July Exclusive Deal【🔥Earn HK$1,000 Cash/ Up to HK$3,700 Rewards】
From 7 July until 14 July 2026, customers who successfully apply for sim Credit Card/ sim World Mastercard® via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance; OR select "Up to HKD100,000 6-month interest-free and monthly handling fee waived Cash Instalment Plan" as the sim Welcome offer, activate the credit card and successfully approved for the Cash Instalment Plan, can enjoy 🏨 Trip.com 8% Hotel Bookings Promo Code + ✈️ Trip.com HK$100 Flights Promo Code (upon claim submission); AND will be entitled one of the following gifts (choose 1 out of 7)🎁 :
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・QUICO Q-Travel Set (Ionic Highspeed Hair Dryer + Cordless Straightener) (Value: HK$1,458)
・Apple AirPods 4 (Value: HK$1,099)
・[🔥Limited-time Upgrade] HK$1,000 ParknShop e-Vouchers/ HK$1,000 Cash via FPS (automatically converted by 10,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
⠀⠀
💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!
Valid till 14 Jul 2026
Unlimited CashBack All Year-round【Flash Offer: Get up to HK$3,600 Rewards!🎁】
From now until 10 July 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card via MoneySmart and get approved can enjoy one of the following rewards, with no spending required:
・Medicube Age-R Ultra Tune 40.68 Facial Beauty Device (Value: HK$3,600, random color)
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color)
・AirPods Pro 3 (Value: HK$1,849, random color)
・BRUNO Oval Hot Plate + Grill Set + Steamer Set (Value: HK$1,798, random color)
・HK$1,500 Apple Store Gift Card / ParknShop e-Vouchers / Trip.com e-Vouchers
- Trip.com up to 8% Hotel Bookings 🏨 Promo Code + Trip.com up to HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 10 Jul 2026
【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 12 July 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 22 July 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks:
🌟 Enjoy bank welcome offer up to $900 RewardCash
🌟 Register to enter the 【Limited-Time Welcome Lucky Draw】—Guaranteed Prize: $50 RewardCash; or Grand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners) (Promotion ends 31 Jul 2026)!
Valid till 12 Jul 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 July 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 31 Jul 2026
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【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 12 July 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks:
🌟 Enjoy bank welcome offer up to $900 RewardCash
🌟 Register to enter the 【Limited-Time Welcome Lucky Draw】—Guaranteed Prize: $50 RewardCash; or Grand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners)(Promotion ends 31 Jul 2026)!
Valid till 12 Jul 2026
【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 12 July 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 22 July 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks:
🌟 Enjoy bank welcome offer up to $900 RewardCash
🌟 Register to enter the 【Limited-Time Welcome Lucky Draw】—Guaranteed Prize: $50 RewardCash; or Grand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners) (Promotion ends 31 Jul 2026)!
Valid till 12 Jul 2026
From now until 20 July 2026, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart, can enjoy an extra 5,000 SmartPoints and free to redeem HK$500 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
Valid till 20 Jul 2026
[⚡️Within 60 days after card approval: unlimited HKD5 / mile + spend HKD10,000 and get 17,000 miles]
New customers can use the invitation code "MOXTRAVEL"and spend within 60 days after card approval can earn miles at rates as low as HKD5 per mile or earn unlimited 2% CashBack on all spending! Spend HKD10,000 and receive an additional 17,000 miles (inclusive of basic spending reward in the first 60 days)! If, within 7 days of account opening, you place HKD100,000 in a demand deposit and keep that balance for 60 days or more, you can get an extra 11,000 miles! Earn up to a total of 28,000 miles!
*Subject to the Mox Card welcome reward promotion terms and conditions.
📣“Best-in-town” Credit Card with instant miles reward – 0% FX Fees*
Introducing Mox Credit's Miles Rewards Scheme — No caps. No restrictions. Earn as Asia Miles as you spend
Valid till 31 Jul 2026
⚡【4-Day Flash Offer ✨ Upgraded Gifts or HK$2,000 Cash! Rewards Worth Up to HK$5,200 + Trip.com Promo Codes! 🎉】
From 7 July to 10 July 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 July 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388) or
🎁 Plus Minus Zero XQJ-C010(II) Dehumidifier (Value: HK$3,298, random color) or
🎁 Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398, random color) or
💳 HK$2,000 Apple Store Gift Card / ParknShop e-Vouchers
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 10 Jul 2026
【😍 July Special: Spend HK$100, Get HK$600+ Rewards or Travel Essentials! 🏝️】
From now until 31 July 2026, customers who successfully apply for Hang Seng Travel+ Visa Signature Card via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can 🌟choose 1 from the following gifts :
🎁 New Customers can enjoy one of the rewards below:
・2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300) or
・BRUNO Worldwide Portable Clothes Dryer BAK817 + BRUNO Multi Travel Pot (110V/220V) BAK810 (Value: HK$796) or
・BRUNO Worldwide High-speed Hair Dryer BAK811 (Value: HK$698) or
・HK$600 Apple Store Gift Card / HKTVmall e-Vouchers⠀⠀
🎁 Existing Customers can also enjoy one of the rewards below:
・HK$300 Apple Store Gift Card / HKTVmall e-Vouchers or
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
Valid till 31 Jul 2026
【Get Your Daily yuu Boost with enJoy】Apply and Get up to HK$2,600 rewards 🎁 or HK$900 vouchers!
From now until 31 July 2026, customers who successfully apply for Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance , can 🌟choose 1 from the following gifts:
🎁 New Customers can enjoy one of the rewards below:
・Medicube Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml (Value: HK$1,970) or
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298) or
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons
⠀⠀
✨ Existing Customers can also enjoy one of the rewards below:
・HK$400 Apple Store Gift Card / Maxim's Gift e-Coupons
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
Valid till 31 Jul 2026
【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 12 July 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 22 July 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks:
🌟 Enjoy bank welcome offer up to $900 RewardCash
🌟 Register to enter the 【Limited-Time Welcome Lucky Draw】—Guaranteed Prize: $50 RewardCash; or Grand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners)(Promotion ends 31 Jul 2026)!
Valid till 12 Jul 2026
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Best Cash Back Credit Cards in Hong Kong
| Cash Back Credit Card | Cash back rate | BEST FOR |
|---|---|---|
| Cash Back Credit CardDBS LIVE FRESH | Cash back rate6% | BEST FORFrequent online shoppers |
| Cash Back Credit CardStandard Chartered Smart Card | Cash back rate5% | BEST FORFrequent buyer at Parknshop and Watsons |
| Cash Back Credit CardWeWa UnionPay Card | Cash back rate4% | BEST FORCash rebate seekers on lifestyle and entertainment usage |
| Cash Back Credit CardCiti Cash Back Cardt | Cash back rate2% | BEST FORFrequent travellers or staycation lovers |
| Cash Back Credit CardHang Seng enJoy Card | Cash back rate2％ | BEST FORPeople who frequently shop on enJoy card designated merchant including 7-Eleven, IKEA, Mannings etc. |
| Cash Back Credit CardAmerican Express Explorer™ Credit Card | Cash back rate2% | BEST FORFrequent travellers or staycation lovers |
| Cash Back Credit CardStandard Chartered Simply Cash Visa Card | Cash back rate1.5% | BEST FORFrequent buyer at Parknshop and Watsons |
Popular Cash Rebate Credit Cards
Citi Cash Back Visa Credit Card
- Enjoy limitless cash rebate with no minimum spending requirements
- 2% rebate on global dining and hotel spending
- 2% cash rebate on online or overseas transactions
- 1% cash rebate on other local spending including e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
- Enjoy all Visa Signature Privileges including enjoy HK$200 off upon spending HK$1,000 or above at designated restaurants such as Brickhouse, Limewood etc.
- Annual fee waiver
Blue Cash℠ Credit Card from American Express
- Enjoy 1.2% Cash back on daily purchases, in both local or foreign currency
- Unlimited cash rebate with no minimum spending requirements
- Cash back is credited to the cardholder's account automatically
- Annual salary requirement is relatively low (HK$150,000)
- Online fraud protection guarantee and 45 days cover
- 20% off on all 3D, 2D and IMAX movie tickets at Broadway Circuit and AMC Pacific Place Cinemas
Standard Chartered Manhattan Credit Card
DBS COMPASS VISA
Standard Chartered Simply Cash Credit Card Rewards
Unlimited Cash Rebate
Earn up to 1.5% unlimited cashback on local currency spending and 2% cashback on foreign currencies spending with no minimum spending requirement.
Payme
Top up PayMe e-wallet to earn up to 1.5% rebate, capped at HK$75 monthly and HK$900 annually.
Welcome Offer
New customers can enjoy 25% CashBack on any eligible transactions within the first 2 months upon the card issuance, capped at HK$1,000. Get extra HK$100 cashback signing up for online banking and login within the first 2 months after card issued.
Citibank Cash Back Visa Card Rewards
Enjoy unlimited cash rebate with no minimum spending throughout the year. Earn 2% on local and foreign currency spending. Also eligible for 1% rebate on e-wallet transaction (PayMe, WeChat Pay, AliPay, Octopus Card). Cardholders can also enjoy all Visa Signature Privileges.
Can We Get Unlimited Cashback?
In most cases, no. Cashback credit cards reward you with cash rebates based on your spending amount. This amount is credited to your account, giving you a discount off your credit card bill. Some banks may link cashback to their reward point schemes, giving you a choice between cash rebate and gifts. For some banks, you can pay cash dollars at selected merchants as cash. Even though some cash back credit cards have limits, but here are 3 tips for you to maximize it:
Basic cashback
Some cash back credit cards may set a minimum spend for getting cash rebates. Some banks may set a cap on cashback amount or certain categories.
Bonus cashback
Many banks partner with merchants to launch joint offers from time to time. These are awarded on top of the base cash rebate and can be pretty high. Note that some banks may set a spending requirement, plus you need to register in advance to get the cashback offer.
Introductory offers
You’ll get cashbacks as a welcome offer for applying for new credit cards. Note that banks usually set a spending requirement, and you can’t cancel their credit cards over the past 6-12 months. For the welcome cash rewards, banks will transfer it to your credit card account in a few months.
Hang Seng Cash Dollars V.S. enJoy Dollars V.S. Merchant Dollars
With Hang Seng credit cards, cardholders can earn Cash Dollars for every spending, which can be used to offset spending at over 7,600 designated merchant outlets in Hong Kong. At designated merchants such as Sa Sa, Mirabell, etc., cardholders can even earn Merchant Dollars on top of Cash Dollars for every spending. Please be reminded that Merchant Dollars can only be used at the same designated merchants as instant cash.
Cash Rebate vs Cash Back
Cash Back
Cash Rebate
What credit card gives the most cash back?
What credit card gives the most cash back?
In general, most credit cards around 0.4% to 1% rebate, which is HK$0.4 to HK$1 cash back. Some credit cards may focus on certain spending categories, such as entertainment, spending in foreign currency, and dining etc., offering up to 4 to 5% cashback. For example, WeWa Union Pay Card offers up to 4% Cash Rebate for spending in specific categories (“Travel”, “Cinema”, “Karaoke” and “Theme Park”) throughout the year.
How do cashback credit cards work?
Cashback credit cards give you a cash rebate for eligible spending. Card issuers can afford to give cardholders cash back because of the interchange fees that merchants pay for each transaction. Some cashback cards offer bonus categories and tiered rewards. Some of them also have a minimum spend requirement and a cashback cap.
What does it mean to get cash back on a credit card?
Cashback credit cards are effortless and simple to use since the cashback is automatically credited into your credit card account. Some banks also link cashback to their reward points scheme, such as Hang Seng. Cash Dollars can be used as coupons or cash at selected merchants.
Are cashback cards worth it?
The best thing about cashback credit cards is that you don’t need to worry about the expiry date of points. All cashback will be credited directly into your credit card account. Unlike air miles and gifts, you don’t need to pay extra fees for redeeming.
What is the best cashback credit card with no annual fee?
Before getting a cashback credit card, sort out your spending habits and frequent spending categories. For example, people who frequently shop on enJoy card designated merchants, Hang Seng enJoy Card can be a good option.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.