Best Cash Back Credit Cards in Hong Kong 2023

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 55 Credit Cards for you!
Standard Chartered logo
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$3,999

【SC Smart Card Offer: Total rewards amount is as high as HK$3,999!】 New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get extra HK$1,200 Apple Store Gift Card or HK$1,200 PARKnSHOP supermarket vouchers or HK$1,200 Uber vouchers or Samsung Galaxy Tab A9 (retail value: HK$1,288) or Bose QuietComfort® 45 Headphones (retail value: HK$2,499)! From now to 31 December 2023, enjoy 8% cashback at PARKnSHOP and its designated retail stores and PNS eSHOP. 



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

Valid until 21 Dec 2023 - See more details below
Apply Now
PrimeCredit 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%

MoneySmart Exclusive Offer】From now until 31 December 2023, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! You are free to choose vouchers of over 20+ brands (including Apple Store Gift Card, supermarket voucher, HKTVmall, Uber, Klook, etc.). Click here for more details. T&C applied. (fulfilled by MoneySmart)



PrimeCredit x MoneySmart】Successfully applied EarnMORE UnionPay Diamond Card through MoneySmart and fulfill designated spending requirement to get HK$670 cash rebate (included the extra up to 2% cash rebate) Or  OTO massage chair (Suggested price: HK$10,800) Or Aurabeat AG+ Air Purifier (Suggested price: HK$2,980) (Redemption fee is required) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program (Exclusive reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2023 - See more details below
Apply Now
PrimeCredit logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash rebate on travel spending and designated spending categories
4%

MoneySmart Exclusive Offer】From now until 31 December 2023, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! You are free to choose vouchers of over 20+ brands (including Apple Store Gift Card, supermarket voucher, HKTVmall, Uber, Klook, etc.). Click here for more details. T&C applied. (fulfilled by MoneySmart)



[PrimeCredit x MoneySmart] Successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Sony Truly Wireless Headphones LinkBuds S or Samsung Galaxy Watch4 40mm (Bluetooth) or B&O Beosound Explore Bluetooth Speaker (Black Anthracite) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2023 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Up to 10% rebate on local supermarkets/Taobao
Min. Annual Salary
HK$100,000
Cash back on designated local spend
1%
Miles Conversion (local spend)
HK$10 = 1 Mile

From now until 31 December, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 

Valid until 31 Dec 2023 - See more details below
Apply Now
AEON Credit Service logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%

【Limited Time Offer】From now until 7 January 2024, apply for the AEON CARD WAKU WAKU through MoneySmart, can enjoy an extra HK$200 Uber cash voucher or HK$200 Apple Store gift card (exclusively offer by MoneySmart)!



You can also enjoy the welcome Offer - up to 16% cashback + HK$400 cashback! Enjoy a year-round 6% cashback on online spending! Earn 3% cashback on purchases in Japan and enjoy waived transaction fees on foreign currency
transactions (except charges imposed by Cards Associations)!

Valid until 07 Jan 2024 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Designated Cash Back for Online Transaction
6%

From now until 31 December, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 

Valid until 31 Dec 2023 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
0.75%

From now until 2 January 2024, upon successful application of a designated Citi credit card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,600 Apple Store Gift Card or HK$1,600 PARKnSHOP Supermarket Voucher or Bose SoundLink Revolve+ II Bluetooth Speaker (Retail value: HK$2,699)

Valid until 02 Jan 2024 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on overseas spend
2%
Cash back on local spend
3%

From now until 31 December, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 

Valid until 31 Dec 2023 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
2% foreign currency rebate
Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
2%

From now until 2 January 2024, upon successful application of a designated Citi credit card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,600 Apple Store Gift Card or HK$1,600 PARKnSHOP Supermarket Voucher or Bose SoundLink Revolve+ II Bluetooth Speaker (Retail value: HK$2,699)

Valid until 02 Jan 2024 - See more details below
Apply Now
PrimeCredit 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%

MoneySmart Exclusive Offer】From now until 31 December 2023, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! You are free to choose vouchers of over 20+ brands (including Apple Store Gift Card, supermarket voucher, HKTVmall, Uber, Klook, etc.). Click here for more details. T&C applied. (fulfilled by MoneySmart)



PrimeCredit x MoneySmart】Successfully applied EarnMORE UnionPay Diamond Card through MoneySmart and fulfill designated spending requirement to get HK$670 cash rebate (included the extra up to 2% cash rebate) Or  OTO massage chair (Suggested price: HK$10,800) Or Aurabeat AG+ Air Purifier (Suggested price: HK$2,980) (Redemption fee is required) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program (Exclusive reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2023 - See more details below
Apply Now
American Express logo
Bank Promo
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%
Bank Promo:
Welcome offers valued up to HK$2,960 upon card approval! Limited time offer of 300,000 MR points if you apply on or before 2 January 2024, and spend at least HK$5,000 within the first 3 months. 300,000 MR points is equivalent to HK$1,250 if you apply Pay with Points Max which is enough to redeem a free round trip flight to Seoul, Bangkok or Taipei!
Valid until 02 Jan 2024 - See more details below
Apply Now
Hang Seng Bank logo
Up to 4x Points to spend as cash
Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points
Read More
American Express logo
Unlimited 1.2% Cashback
Min. Annual Salary
HK$0
Cash back on overseas spend
1.2%
Cash back on local spend
1.2%
Read More
Citibank logo
MoneySmart Exclusive
Earn 3X points for QuickPass Transactions
Minimum Income Requirements
HK$120,000
QuickPass Transactions
3X Points
Miles Conversion (local spend)
$5 = 1 Mile

From now until 2 January 2024, upon successful application of a designated Citi credit card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,600 Apple Store Gift Card or HK$1,600 PARKnSHOP Supermarket Voucher or Bose SoundLink Revolve+ II Bluetooth Speaker (Retail value: HK$2,699)

Valid until 02 Jan 2024 - See more details below
Apply Now
China CITIC Bank International logo
Min. Annual Salary
HK$96,000
All year round Cash rebate on WeChat HK Wallet, UnionPay App and RMB Spending
4%
Basic Cash Back
0.5%
Apply Now
Citibank logo
MoneySmart Exclusive
5x Points on contactless transactions
Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Cash back on Wallet transactions
5X Points

From now until 2 January 2024, upon successful application of a designated Citi credit card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,600 Apple Store Gift Card or HK$1,600 PARKnSHOP Supermarket Voucher or Bose SoundLink Revolve+ II Bluetooth Speaker (Retail value: HK$2,699)

Valid until 02 Jan 2024 - See more details below
Apply Now
Dah Sing Bank 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 December 2023,  New Dah Sing Credit Cardholder to get extra HK$150 PARKnSHOP supermarket vouchers or HKTVmall e-Voucher upon approval on the credit card! Total up to HK$650 rewards including Dah Sing Bank welcome offer. 



Each Eligible Cardholder is entitled to HK$500 cash rebate upon accumulating Eligible Spending of HKD5,000 or above, and making at least 5 Eligible Spending transactions, within the first 2 months from the date of the Bank's issuance of the Eligible Card.

Valid until 31 Dec 2023 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
MoneySmart Limited Time Offer
HK$1,000
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%

【Limited time offer】 From now until 2 January 2024, upon successful application of the Citi The Club Credit Card via MoneySmart and eligible spending of HK$2,000 after card issuance, new customers can enjoy an exclusive reward of HK$1,000 Apple Store Gift Card or HK$1,000 HKTVmall Vouchers or HK$1,000 PARKnSHOP Supermarket Vouchers

Valid until 02 Jan 2024 - See more details below
Apply Now
China CITIC Bank International logo
Min. Annual Salary
150000
Basic Cash Back
0.55%
Miles Conversion (local spend)
N/A
Read More
PrimeCredit logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash rebate on travel spending and designated spending categories
4%

MoneySmart Exclusive Offer】From now until 31 December 2023, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! You are free to choose vouchers of over 20+ brands (including Apple Store Gift Card, supermarket voucher, HKTVmall, Uber, Klook, etc.). Click here for more details. T&C applied. (fulfilled by MoneySmart)



[PrimeCredit x MoneySmart] Successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$200 cash rebate + Welcome offer: Sony Truly Wireless Headphones LinkBuds S or Samsung Galaxy Watch4 40mm (Bluetooth) or B&O Beosound Explore Bluetooth Speaker (Black Anthracite) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2023 - See more details below
Apply Now

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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.