Best Cash Back Credit Cards in Hong Kong 2022

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. Read More
We found 49 Credit Cards for you!
Sponsored
SCB 渣打銀行 logo
MoneySmart Exclusive
5% rebate|The most popular in MoneySmart
Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$1,139

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,100 Apple Gift Card or HK$1,100 Klook Voucher or American Tourister DARTZ SPINNER 55 (retail price: HK$1,139) ! Total up to HK$2,339 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall!

[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 14 Oct 2022 - See more details below
Apply Now
 安信信貸 logo
Get 6% cash rebate on designated categories
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash Rebate on all restaurants in Hong Kong and selected online merchants
6%
Apply Now
 安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Successfully applied through MoneySmart: Extra HK$600 cash rebate + Welcome offer: HK$670 cash rebate or  
Nintendo Switch Lite (Yellow/Turquoise) or Philips Instant Heating Water Dispenser or Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 31 Dec 2022 - See more details below
Apply Now
AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants
Min. Annual Salary
HK$300,000
Cash back on overseas spend
1%
Cash back on local spend
1%

Successfully apply American Express® Platinum Credit Card now to get extra HK$800 supermarket voucher from MoneySmart & welcome offers valued up to HK$2,960 upon card approval. From now until 4 October 2022, you can enjoy extra 300,000 Membership Reward point(equivalent to HK$1,000) once spending at the first time. The total value is up to HK$4,760

Valid until 04 Oct 2022 - See more details below
Promotion ends in
Apply Now
DBS 星展銀行 logo
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
Apply Now
DBS 星展銀行 logo
Min. Annual Salary
HK$150,000
Cash back on overseas spend
2%
Cash back on local spend
3%
Apply Now
DBS 星展銀行 logo
8% discount at Watsons and ParknShop
Min. Annual Salary
HK$100,000
Cash back on overseas spend
0.4%
Cash back on local spend
1%
Apply Now
 安信信貸 logo
MoneySmart Exclusive
3 Complimentary airport lounges access per year
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Successfully applied through MoneySmart: Extra HK$600 cash rebate + Welcome offer: HK$670 cash rebate or  
Nintendo Switch Lite (Yellow/Turquoise) or Philips Instant Heating Water Dispenser or Hyundai Air Purifier + Hot + Cool 3-in-1 Bladeless Fan or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 31 Dec 2022 - See more details below
Apply Now
AE 美國運通 logo
Bank Promo
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Cash back on foreign currencies spending
1.25%
Bank Promo:
Choose Your Explorer!
Offer A) Apply successfully via MoneySmart and upon successful spending in the first 3 months, you can enjoy limited-edition ANSON KONG X EXPLORER Hat Gift Box Set ! Up to HK$4,700 Welcome Offer & first-year annual fee waiver!
OR

Offer B) Apply for the American Express Explorer Credit Card and get rewards up to HK$4900 and first-year annual fee waiver!
Valid until 31 Oct 2022 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn 10X points
MoneySmart Limited Time Offer
HK$500
QuickPass, UnionPay QR Code and Online Retail Transactions
10X Points
Miles Conversion (local spend)
$1.5 = 1 Mile

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Oct 2023 - See more details below
Apply Now
AE 美國運通 logo
Bank Promo
Unlimited 1.2% Cashback
Min. Annual Salary
HK$0
Cash back on overseas spend
1.2%
Cash back on local spend
1.2%
Bank Promo:
From now till 31 October 2022, apply through MoneySmart's designated link, and get a limited-time welcome offer of up to HK$802! Enjoy 1.2% cash back with no string , cash back credited to account automatically every month with NO administration charge.
Valid until 31 Oct 2022 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets
MoneySmart Limited Time Offer
HK$500
Cash back on overseas spend
2%
Cash back on local spend
2%

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Oct 2022 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions
MoneySmart Limited Time Offer
HK$500
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Cash back on Wallet transactions
5X Points

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Oct 2023 - See more details below
Apply Now
SCB 渣打銀行 logo
Unlimited cashback
Min. Annual Salary
HK$96,000
Cash back on overseas spend
2%
Cash back on local spend
1.5%
Read More
Citibank 花旗銀行 logo
MoneySmart Exclusive
Up to 15% transport fare rebate
MoneySmart Limited Time Offer
HK$300
Cash back on overseas spend
0.5%
Cash back on local spend
0.5%

Successfully apply now to get extra HK$ 300 Supermarket Voucher.

Valid until 31 Oct 2022 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Limited Time Offer
HK$300
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
Apply Now
恒生銀行 logo
Get up to 11% cash dollars on designated spending
Annual fee
Perpetual annual fee waiver
Cash back on overseas spend
5%
Cash back on local spend
5%
Apply Now
中信銀行(國際) logo
Up to 5% Cash Rebate on Online Spending
Min. Annual Salary
HK$150,000
Cash Back on Online Spending
5%
Basic Cash Back
0.55%
Read More
大新銀行 logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on overseas spend
1%
Cash back on local spend
1%

【Welcome offer Exclusive for MoneySmart Users】From now until 31 October 2022,  New Dah Sing Credit Cardholder to get extra HK$150 supermarket vouchers/Apple Gift Card upon approval on the credit card! Total up to HK$950 rewards including Dah Sing Bank welcome offer. 

Valid until 31 Oct 2022 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access
MoneySmart Limited Time Offer
HK$300
Cash back on overseas spend
2%
Cash back on local spend
0.75%

Successfully apply now to get extra HK$300 Supermarket Voucher!

Valid until 31 Oct 2022 - See more details below
Apply Now

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Cash Back Credit Cards in Hong Kong

Cash Back Credit CardCash back rateBEST FOR
DBS LIVE FRESH6%Frequent online shoppers
Standard Chartered Smart Card5%Frequent buyer at Parknshop and Watsons
WeWa UnionPay Card4%Cash rebate seekers on lifestyle and entertainment usage
Citi Cash Back Cardt2%Frequent travellers or staycation lovers
Hang Seng enJoy Card2%People who frequently shop on enJoy card designated merchant including 7-Eleven, IKEA, Mannings etc.
American Express Explorer™ Credit Card2%Frequent travellers or staycation lovers
Standard Chartered Simply Cash Visa Card1.5%Frequent 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

  • Enjoy 0.5 % Cashback on the local and foreign retail purchase, including Octopus Automatic Add-Value transactions
  • Unlimited cash rebate with no minimum spending
  • Up to 12% discount on hotel bookings at Hotels.com
  • 10% discount on regular-priced tickets at the cinema box office
  • DBS COMPASS VISA

  • Enjoy 0.4% COMPASS Dollar rebate at any spending
  • 1% COMPASS Dollar rebate at designated merchants including PARKnSHOP, Watsons, Fortress, 3HK etc.
  • Up to 3% rebate at Taobao and Tmall
  • 8% discount at PARKnSHOP and Watsons on designated days of every month
  • 8% off through DBS Omni InstaRedeem function to pay the bills of designated categories: Octopus AAVS, Supermarket, Convenience Store, Coffee Shop, Online Spending, Foreign Currency Spending
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    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:

    Tip 1

    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.

    Tip 2

    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.

    Tip 3

    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

    Some cards offer cardholders cash back for their spending. The cashback earned will be automatically used to offset spending in the cardholders’ next month bill. For example, Blue Cash℠ Credit Card from American Express offers 1.2% Cashback on daily purchases, which will be credited to the cardholder's account automatically to offset spending.

    Cash Rebate

    Some cards offer cardholders cash rebate for their spending, which will be stored in the credit card account until cardholders decide to redeem it to offset further purchases. For example, Hang Seng enJoy Card offers cash rebate in the form of enJoy Dollars. Cardholders can tell the merchant to use the enJoy Dollars earned to offset purchases.

    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.