Citi Cash Back Visa Card

$240,000

Min. Annual Salary

Cash back on overseas spend

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

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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

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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

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EarnMORE UnionPay Card

Min. Annual Salary

Cash back on overseas spend

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

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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

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DBS Eminent Visa Platinum Card

$150,000

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer

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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

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Standard Chartered Simply Cash Visa Card

$240,000

Min. Annual Salary

Cash back on overseas spend

1.5%

Cash back on local spend

Promotion: Up to HK$2,000 Cash Back and 0% APR

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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

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WeWa UnionPay Card

Min. Annual Salary

0.40%

Cash back on overseas spend

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

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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

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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

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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

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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

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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

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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

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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

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DBS Eminent Visa Signature Card

$360,000

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer

Apply Now

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

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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

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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

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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

Apply Now

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"

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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

Apply Now

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

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Citi Clear Card

$60,000

Min. Annual Salary

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

Apply Now

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

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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

Apply Now

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

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Best Cash Back Credit Cards Hong Kong

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Citi Cash Back Visa Card

Welcome Offer up to HK$1,440 Cash Rebate

EarnMORE UnionPay Card

DBS Eminent Visa Platinum Card

Standard Chartered Simply Cash Visa Card

WeWa UnionPay Card

HSBC Visa Gold Card

Standard Chartered Platinum Card

HSBC Visa Signature Card

DBS Eminent Visa Signature Card

Citi Octopus Platinum Card

HSBC Visa Platinum Card

Standard Chartered UnionPay Dual Currency Platinum Credit Card

Citi Clear Card

DBS Black World Mastercard