Best Cash Back Credit Cards Hong Kong

Updated September 2018

Earn cash rebate on dining, hotel bookings or online shopping spend by using cash back credit cards. Compare and choose from a wide range of flat rate, tier based or special bonus category cash back credit cards in Hong Kong.

Other Cash Back Cards
WeWa UnionPay Card
WeWa UnionPay Card

$0

Min. Annual Salary

0.40%

Cash back on overseas spend

4%

Cash back on local spend

Promotion: Welcome gift : Redemption price for Nintendo Switch Package or DAHON Folding Bikes or HK$500 cash rebate
Extra $200 cash rebate for successful application via MoneySmart
Best for: Cash rebate seekers on lifestyle usage
Pros
  • Up to 4% cash rebate within “Travel”, “Cinema”, “Karaoke” and “Theme Park” categories
  • Make a single transaction or an overdraft of HK$400 or above to join “Shake to Win” on OmyCard mobile app. Grasp your chance to shake your prize of free spending credit! The more you spend, the more you earn! (Trade Promotion Competition Licence number: 50920-1)
  • Without transaction fee on overseas purchase
  • Student can apply this card
Cons
  • Only 0.4% cash rebate for non-specific category
Citi Clear Card
Citi Clear Card

$60,000

Min. Annual Salary

2%

Cash back on overseas spend

0.4%

Cash back on local spend

Promotion: Welcome offer HK$800 cash rebate + Buy-1-Get-1-Free movie tickets + Priority bookings on entertainment shows
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
Citi Octopus Platinum Card
Citi Octopus Platinum Card

$150,000

Min. Annual Salary

0.5%

Cash back on overseas spend

0.5%

Cash back on local spend

Promotion: Welcome Offer HK$200 Cash Rebate
Best for: People who use Octopus card frequently and focus on cash rebate
Pros
  • Welcome offer HK$300 HKTV Mall electronic gift voucher or HK$200 cash rebate
  • 15% KMB and LWB Fare Rebate
  • 2-in-1 credit card with Octopus service, Automatic top up of HK$250 when your Octopus balance is running low
  • HK$200 = HK$1 Octopus cash back, rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
  • Low annual income requirement for HK$150,000
Cons
  • 0.5% cash back
DBS Eminent Visa Signature Card
DBS Eminent Visa Signature Card

$360,000

Min. Annual Salary

2%

Cash back on overseas spend

3%

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer
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
DBS Eminent Visa Platinum Card
DBS Eminent Visa Platinum Card

$150,000

Min. Annual Salary

2%

Cash back on overseas spend

3%

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer
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
Standard Chartered Platinum Credit Card
Standard Chartered Platinum Credit Card

HKD150,000

Min. Annual Salary

0.35%

Cash back on overseas spend

0.35%

Cash back on local spend

Best for: Those looking for points with the flexibility to convert into cash, air miles, or shopping vouchers
Pros
  • New Cardholders welcome offer: HKD600 cash rebate
  • Receive HKD800 cash rebate when apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card at the same time and fulfilled relevant requirement
  • No expiry of 360° Rewards Points
  • Points can convert to cash, mileage and voucher
  • Low annual income requirement of HKD150,000 or above
Cons
  • Fee charged for mileage conversion(HKD300)
  • No rebates on ebanking bill-payment
DBS Black World Mastercard
DBS Black World Mastercard

$240,000

Min. Annual Salary

1.2%

Cash back on overseas spend

0.8%

Cash back on local spend

Promotion: Welcome offer: Low as $0.56 = 1 mile or up to DBS $2,540
Best for: Travel lovers, using DBS$ 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$2.5 = 1 mile
  • No expiry date on DBS$
  • 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
  • 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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