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Best Cash Back Credit Cards in Hong Kong 2020

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
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渣打銀行 logo
MoneySmart Exclusive
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Cash back on overseas spend
2%
Cash back on local spend
1.5%
Applying via MoneySmart get exclusive HK$350 Supermarket Vouchers!!
Valid until 30 Nov 2020 - See T&Cs below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
High cash rebates for designated categories

Citi Rewards MasterCard

Min. Annual Salary
HK$150,000
Cash back on overseas spend
0.4%
Cash back on local spend
3.2%
Extra HK$500 voucher apply via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary
HK$240,000
Cash back on overseas spend
2%
Cash back on local spend
2%
Extra HK$500 voucher apply via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from Octopus AAVS

EarnMORE UnionPay Card

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. 
Valid until 31 Dec 2020 - See T&Cs below
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HSB 恒生銀行 logo
Bank Promo

Hang Seng enJoy Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
1.5%
Cash back on local spend
1％
Bank Promo:
Up to 80,000 reward points (=HK$400)
Valid until 31 Dec 2020 - See T&Cs below
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安信信貸 logo
MoneySmart Exclusive
Get 4% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash back on local spend
4%
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Valid until 31 Dec 2020 - See T&Cs below
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AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Cash back on overseas spend
1％
Cash back on local spend
1％
HK$600 Supermarket coupon upon Card Approval and welcome offers valued up to HK$2,960
Valid until 31 Dec 2020 - See T&Cs below
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AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback

Blue Cash℠ Credit Card from American Express

Min. Annual Salary
HK$150,000
Cash back on overseas spend
1.2%
Cash back on local spend
1.2%
HK$200 Supermarket Coupon + HK$200 Cashback upon Card Approval , A total of welcome offer up to HK$1,672
Valid until 31 Dec 2020 - See T&Cs below
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AE 美國運通 logo
MoneySmart Exclusive
Complimentary Plaza Premium Lounge access

American Express Cathay Pacific Elite Credit Card

Min. Annual Salary
HK$300,000
Cash back on overseas spend
N/A
Cash back on local spend
N/A
HK$500 Cash coupon upon Card Approval and Enjoy up to 76,000 Asia Miles 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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大新銀行 logo
Get 20% discount at lookfantastic

Dah Sing ONE+ Credit Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
1%
Cash back on local spend
1%
Apply Now
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DBS 星展銀行 logo
8% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary
HK$100,000
Cash back on overseas spend
0.4%
Cash back on local spend
1%
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary
HK$240,000
Cash back on overseas spend
0.4%
Cash back on local spend
3.2%
Extra HK$300 voucher apply via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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AE 美國運通 logo
MoneySmart Exclusive
Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
N/A
Cash back on local spend
N/A
HK$500 Cash coupon upon Card Approval and enjoy up to 74,000 Asia Miles 
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Up to 15% transport fare rebate

Citi Octopus Platinum Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
0.5%
Cash back on local spend
0.5%
Extra HK$300 voucher apply via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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HSB 恒生銀行 logo
Bank Promo
Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary
HK$150,000
Cash back on overseas spend
5%
Cash back on local spend
5%
Bank Promo:
【Spending Wow Reward】 Enjoy up to $2,800 Cash Dollars!
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
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AE 美國運通 logo
Up to 25% discount at I.T

American Express I.T Cashback Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
1.2%
Cash back on local spend
1.2%
Apply Now
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BEA 東亞銀行 logo
MoneySmart Exclusive

BEA i-Titanium Card

Min. Annual Salary
HK$40,000
Cash back on overseas spend
3.4%
Cash back on local spend
3.4%
【MoneySmart Exculsive】Get exculsive $250 supermarket voucher if apply via MoneySmart! 
Valid until 31 Dec 2020 - See T&Cs below
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安信信貸 logo
MoneySmart Exclusive
3 Complimentary airport lounges access per year

EarnMORE UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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安信信貸 logo
MoneySmart Exclusive
Buy-1-Get-1-Free UA movie tickets on Friday

WeWa UnionPay Card (applicable to designated Full-time University /Tertiary Students)

Min. Annual Salary
HK$0
Cash back on overseas spend
4%
Cash back on local spend
4%
Successfully applied through MoneySmart: Extra HK$300 cash rebate + Welcome offer: Jabra Elite Active 65t Wireless Headphone or USA meresoy Massage Gun or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
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AEON信貸財務(亞洲) logo
Apply online to enjoy extra HK$100 welcome rebate

AEON UnionPay Credit Card

Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash back on local spend
0.8%
Apply Now
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Best Cashback Credit Cards in Hong Kong 2020

Credit CardBest ForCashback
Standard Chartered Simply Cash Visa CardWelcome offer cashback seekers 1.5% on local spending, including e-wallets like PayMe or Alipay
American Express Platinum Credit CardPeople who loves to earn cash back on dining and shopping online2% on dining, hotel and foreign currency spending
Blue Cash℠ Credit Card from American ExpressMovie lovers who goes to Broadway and AMC Pacific Place Cinemas regularly1.2% on local and overseas spending
Hang Seng enJoy CardPeople who frequently shop on enJoy card designated merchant including 7-Eleven, IKEA, Mannings etc.1% enJoy dollars rebate on spending at designated merchants
WeWa UnionPay CardCash rebate seekers on lifestyle and entertainment usage4% cash rebate on travel, cinema, karaoke and theme park spending
DBS COMPASS VISAFrequent buyer at Parknshop and Watsons1％ COMPASS Dollar rebate at designated merchants 3% rebate at Taobao and Tmall

Popular Cash Back 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% Cashback 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
    • vi

    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

    • 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 1Basic 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 2Bonus 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 3Introductory 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.