Best Cash Back Credit Cards in Hong Kong 2024

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 44 Credit Cards for you!
Standard Chartered Smart Card
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
HK$2,798

【MoneySmart Exclusive: Rewards up to HK$2,798💰】
From now until 2 January 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998) or OSIM  uCozy V  V Neck & Shoulder Massager (Value: HK$1,780) or Rollink Flex (VEGA II) Collapsible Carry-On Suitcase (21inch) (Value: HK$1,299) or HK$700 Deliveroo Voucher + 12-month Deliveroo Plus Silver Membership Package (Value: HK$1,426) or HK$800 Apple Store Gift Card or HK$800 PARKnSHOP supermarket vouchers or HK$800 HKTVmall e-Vouchers.

Valid until 02 Jan 2025 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate
Promotion ends in
Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%

Extended!【🔥Exclusive Rewards Return with a BANG: Up to HK$3,399】
From now until 9 December 2024, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS Spaceship Luggage 2.0 Suitcase (29inch) (Value: HK$3,399) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 09 Dec 2024 - See more details below
Apply Now
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack
Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
HKD3,398 and 6,250 miles

⭐️ Unlimited Cashback ♾️ New customers enjoy rewards of up to HKD3,398 and 6,250 miles by successfully opening an account with the promo code 'MSNYR' and spending a minimum of HKD 15,000.
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【📣 New credit card spending experience: Switch between CashBack and miles rewards with one click!】
In addition to the “best-in-town” unlimited 2% CashBack^, the new features of the Mox credit card allow you to switch between CashBack and Asia Miles rewards, putting you in control of your spending rewards! Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)
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Use the promo code "MSNYR" to open an account and earn the MoneySmart exclusive offer of BERMAS 30' Suitcase (Value: HKD3,398)/ De'Longhi Dedica Style Series Pump-driven Espresso Coffee Machine(EC685) (Value: HKD2,168) / Sennheiser ACCENTUM True Wireless earbuds (Value: HKD1,750)/ HKD1,200 Apple Store GIft Card /ParkNShop vouchers/ HKTVmall vouchers!

Valid until 31 Dec 2024 - See more details below
Apply Now
WeWa UnionPay Diamond Card
MoneySmart Exclusive
Min. Annual Salary
HK$0
Local, Overseas and Online Spending via selected mobile payments
Up to 6%
Cash rebate on travel spending and designated spending categories
4%

【MoneySmart Exclusive Offer】Want to get extra HK$200 vouchers from MoneySmart?  From now until 31 December 2024, new customers who successfully applied for WeWa UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 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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【PrimeCredit x MoneySmart】From now until December 31 2024, successfully applied WeWa UnionPay Diamond Card through MoneySmart and earn extra HK$100 cash rebate + Welcome offer : 🇯🇵 Osaka Round-trip Flight Tickets or Sony Wireless Noise Cancelling Headphones WH-1000XM4 (Silver) (Suggested price: HK$2,890) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (Extra reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2024 - See more details below
Apply Now
CNCBI Motion Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$96,000
Cash Back on Dining, Online and Foreign Currency Spending
6%
Annual Fee Wavier
First-Year

【MoneySmart Exclusive】
Customer apply for CNCBI Motion Credit Card via MoneySmart and complete accumulate spending amount of HK$100 within first 30 days to get an extra JBL Smart Speaker Link 20 (Value: HK$1,699) / Samsung Galaxy Buds FE  (Value: HK$898) / HK$600 PARKnSHOP Supermarket Vouchers / Apple Store Gift Card / HKTVmall e-Vouchers!
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【Welcome Offer】
From now till 2 January 2025, New Cardholders can enjoy Welcome Offer choose 1 from 2:
1. 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance month OR
2. HK$600 Cash Rebate with accumulated spending of HK$6,000 in the first 2 months from the card issuance month.

Valid until 31 Dec 2024 - See more details below
Apply Now
Mox Credit Card (Miles)
MoneySmart Exclusive
Limited Offer|Best-in-town Asia Miles rewards
Miles Conversion
HKD4 = 1 mile
oreign transaction fee waived
1.95%
MoneySmart exclusive welcome offer
25,000 miles + HKD200 voucher

December Limited Offer: Get an extra HKD 200 voucher just for you!
⭐️ Reward you with 25,000 miles🛩 New customers can enjoy up to 25,000 miles (redeemable for a round-trip ticket to Japan 🇯🇵) and 🔥HKD200 Apple Store Gift Card / PARKnSHOP supermarket voucher / Trip.com e-Voucher by successfully opening an account with the promo code '4100MST' and spending a minimum of HKD 15,000. Total value over HKD3,325💰
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📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 11 Dec 2024 - See more details below
Apply Now
HSBC Visa Signature Card
MoneySmart Exclusive
Min. Annual Salary
HK$240,000
RewardCash Rebate
3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By December 31, 2024, successfully apply for the Visa Gold Card / Visa Signature Card / Visa Platinum Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【Limited Online Flash Welcome Offer】
From now to 31 December 2024, Register and apply online for an eligible HSBC Credit Card and complete the Registration Form to earn one of the extra welcome offers. (Choose either 1, fulfilled by HSBC)
1.KOIZUMI Ion balance hair dryer KHD-9910(Suggested retail price: HK$600)
2.KOIZUMI Negative Ions Straight Iron World-wide voltage KHS-8710 (Suggested retail price: HK$600)
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New credit card customers can enjoy up to HK$800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!

Valid until 31 Dec 2024 - See more details below
Apply Now
AEON CARD WAKUWAKU
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 31 December 2024, new customers who successfully apply for the AEON CARD WAKUWAKU via MoneySmart with the required documents submitted, can exclusively enjoy extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / Klook / HKTVmall etc). Alternatively, you can convert them into HK$133 cash and cash out directly!💰 Click here to explore limitless possibilities (T&C applied)!
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【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By December 31, 2024, apply for the Product Name through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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New AEON Customers successfully applied AEON CARD WAKUWAKU through “AEON HK” Mobile App and input the welcome offer code “MSWAKU” to enjoy an extra HK$200 cash rebate (Offer by AEON) and up to 16% cash rebate + HK$400 cash rebate! Enjoy a year-round 6% cash rebate on online spending! Earn 3% cash rebate on purchases in Japan and enjoy waived transaction fees on foreign currency transactions (except charges imposed by Cards Associations)!

Valid until 31 Dec 2024 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card
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】Want to get extra $200 vouchers from MoneySmart?  From now until 31 December 2024, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can enjoy 2,000 SmartPoints without further spending! Use your SmartPoints to redeem vouchers of your choice worth HK$200 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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[PrimeCredit x MoneySmart] From now until December 31, new customers of PrimeCredit Credit Card who successfully applyss EarnMORE UnionPay Diamond Card through MoneySmart and earn extra HK$100 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) Or  OTO Vanda 2.0 massage chair (VN-05) (Suggested price: HK$13,800) Or German Pool Smart Air Purifier Fan (EFB-426HM-SC) (Suggested price: HK$2,480) Or Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$400 Klook e-Gift Card (**Extra reward will be fulfilled by PrimeCredit)

Valid until 31 Dec 2024 - See more details below
Apply Now
Hang Seng Travel+ Visa Signature Card
MoneySmart Exclusive
Overseas Spending up to 7% Reward
Annual Fee
Perceptual Annual Fee Waiver
+FUN Dollars Rebate on Foreign Currency Spending
Up to 7%
+FUN Dollars Rebate on Local Dining & Transportation Spending
5%

From now until 7 January 2025, apply for the Travel+ Visa Signature Card via MoneySmart, you can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / Trip.com / HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!
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【Hang Seng Credit Card FUN All Round】
Every Thursday from now till 7 January 2025, use Travel+ Visa Signature Card to redeem round-trip flight ticket from Hong Kong to Bangkok at HK$1 via hutchgo. There are also chance to share HK$1 Million local dining credits by spending with your card to enroll to the lucky draw without registration! 1 lucky draw chance will be earned automatically upon single net spending of HK$500 or above during the promotion period.

Valid until 07 Jan 2025 - See more details below
Apply Now
Hang Seng enJoy Card
MoneySmart Exclusive
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

【Make Every Grocery Trip Count】
From now until 15 December, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$1,000 within 30 days after card issuance, can enjoy an extra 10,000 SmartPoints; existing customers who spend HK$700 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
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New customers can use 10,000 SmartPoints to fully redeem HK$1,000 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) or POLAROID Now+ i-Type Instant Camera + 5 lens filters (Value : HK$1,599) or German Pool Multifunctional Cordless Vacuum Cleaner (Value: HK$1,380) from our Rewards Store. You can also top-up to redeem AirPods 4 (Value: HK$1,099). Existing customers can use 7,000 SmartPoints to fully redeem a SAMSUNG Galaxy Buds FE (Retail Value: HK$898) or HK$700 vouchers. Explore more other options available at our Rewards Store!
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【Bank Welcome Offer】Link enJoy Card to yuu Rewards Program and accumulate eligible retail spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent to rewards worth HK$400)!

Valid until 15 Dec 2024 - See more details below
Apply Now
HSBC Red Credit Card
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Cash back on Supermarket purchases
2%
Apply Now
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
Miles Conversion (Eligible Local Transaction)*
HK$4.5 = 1 Mile
📣MoneySmart Exclusive: Elevate Your Rewards, Extend Your Journey!】
From now on until 31 December 2024, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 108,000 American Express Membership Rewards points (eqv. to 6,000 miles) upon the qualified spending of HK$7,000 within the first 3 months. Receive an extra HK$100 rebate by first top up HK$300 via iPhone or Apple Watch to your Octopus in the first 3 months.

🛫 Zoom to Japan, Korea, and Taiwan with Ample Time!
Within the FIRST 6 MONTHS,
earn HK$2=1 mile on eligible foreign currency transactions, up to 720,000 Points, enough to redeem for 40,000 miles. Plus, earn HK$4.5=1 mile on eligible local transactions, up to 432,000 Points, enough to redeem for 24,000 miles. That's a potential of up to 64,000 bonus miles! Enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid until 31 Dec 2024 - See more details below
Apply Now
Citi PremierMiles Card
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%

Extended!【🔥Exclusive Rewards Return with a BANG: Up to HK$3,399】
From now until 9 December 2024, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS Spaceship Luggage 2.0 Suitcase (29inch) (Value: HK$3,399) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 09 Dec 2024 - See more details below
Apply Now
DBS COMPASS VISA
MoneySmart Exclusive
Up to 10% rebate on local supermarkets
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 2024, customers who successfully apply for DBS Compass Visa via MoneySmart, can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / PARKnSHOP/ HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!

Valid until 31 Dec 2024 - See more details below
Apply Now
HSBC Visa Gold Card
MoneySmart Exclusive
Min. Annual Salary
HK$60,000
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Cash back on local spend
2.4%

【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By December 31, 2024, successfully apply for the Visa Gold Card / Visa Signature Card / Visa Platinum Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【Limited Online Flash Welcome Offer】
From now to 31 December 2024, Register and apply online for an eligible HSBC Credit Card and complete the Registration Form to earn one of the extra welcome offers. (Choose either 1, fulfilled by HSBC)
1.KOIZUMI Ion balance hair dryer KHD-9910(Suggested retail price: HK$600)
2.KOIZUMI Negative Ions Straight Iron World-wide voltage KHS-8710 (Suggested retail price: HK$600)
⠀⠀
New credit card customers can enjoy up to HK$800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!

Valid until 31 Dec 2024 - See more details below
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

【Welcome Offer up to HK$1,470】
From now until 31 December 2024, customers who successfully apply for a designated sim credit card (sim Credit Card/ sim World Mastercard®️) via MoneySmart can earn an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (20+ brand vouchers, including Apple, HKTVmall, UBER etc). Click here to explore limitless possibilities (T&C applied)! 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; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,120. Enjoy the total rewards of up to HK$2,069!
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【Mobile Payment Rewards: Up to 10% CashBack】During the promotion period, simply use sim Credit Card/ sim World Mastercard to accumulate HK$2,000 or more non-online Google Pay/ Apple Pay purchases in individual phases, you can earn up to 10% CashBack on non-online Apply Pay transactions with a single net purchase amount of HK$100 or more!

Valid until 31 Dec 2024 - See more details below
Apply NowApply directly on MoneySmart
Citi Rewards MasterCard
MoneySmart Exclusive
3% Points on Shopping and Entertainment
Minimum Income Requirements
HK$120,000
Rebate on Shopping & Entertainment Transactions
3%
Rebate for all local Mobile Payments
1%

Extended!【🔥Exclusive Rewards Return with a BANG: Up to HK$3,399】
From now until 9 December 2024, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS Spaceship Luggage 2.0 Suitcase (29inch) (Value: HK$3,399) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 09 Dec 2024 - See more details below
Apply NowApply directly on MoneySmart
DBS Eminent Visa Platinum Card
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 2024, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart,  can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / HKTVmall/ Trip.com etc). Click here to explore limitless possibilities (T&C applied)!

Valid until 31 Dec 2024 - See more details below
Apply Now
Airwallex AdPlus Borderless Card
MoneySmart Exclusive
Save on advertising expenses
Foreign Currency Transaction Fee
N/A
Annual Principal Fee
N/A
Supported Currencies
140+
Spend Less and Sell More: Create corporate cards for your business in minutes after successful account opening, earn 3,000 Asia miles. An extra 2,000 Asia miles when you use your corporate card to pay for company expenses or spend for the first time within the first 30 days!

【Fuel Your Success: Maximise Digital Ad Returns with Cashback】
Earn up to 1.1% cash rebate as you use the AdPlus Borderless Card to pay for your company’s digital advertising including Meta, Google Ads, Microsoft, and LinkedIn in HKD or USD. Get offer today and start transacting in 140+ currencies. Earn 1% cash rebates on local spending and enjoy $0 international transaction fees on overseas spending!

【Business Trips Perfected: The Must-Have!】
🆕 Enjoy up to 50% off Airport Express, hotel and airport transfer offers at Klook; up to 10% off hotel and accommodation booking on top travel platforms. Plus, enjoy free co-working space day passes and business travel insurance!
Valid until 31 Dec 2024 - 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.