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Best Cash Back Credit Cards in Hong Kong 2021

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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SCB 渣打銀行 logo
MoneySmart Exclusive
Unlimited cashback

Standard Chartered Smart Card

Min. Annual Salary
HK$96,000
Cash back on local spend
5%
Miles Conversion (local spend)
N/A

Limited Time Offer! Apply now to get extra HK$350 Supermarket Voucher on top of welcome offer of up to HK$1,600 CashBack.

Valid until 31 Jul 2021 - See more details 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: Nespresso Essenza Mini coffee machine or Nintendo Switch Software Ring Fit Adventure or Nikko camping tent with sleeping bag package or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program(Exclusive reward will be fulfilled by PrimeCredit)
Valid until 31 Aug 2021 - See more details below
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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
2％
Bank Promo:
Welcome bonus up to 80,000 yuu points (equivalent to HK$400) and "Reward your summer indulgences! Summer Wow Reward" up to an extra 256,000 yuu points!
Valid until 31 Aug 2021 - See more details below
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DBS 星展銀行 logo
Bank Promo

DBS LIVE FRESH

Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
Bank Promo:
Get up to HK$1,000 Cash Rebate or total $1,000 Klook Gift Card or Netflix Basic Plan 12 months Rebate
Valid until 03 Oct 2021 - See more details below
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AE 美國運通 logo
Bank Promo
Complimentary Plaza Premium Lounge Access

American Express Explorer™ Credit Card

Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Cash back on foreign currencies spending
1.25%
Bank Promo:
Up to HK$4,400 Welcome Offer! Earn HK$1,000 city’super cash vouchers upon successful basic Card and 2 supplementary Card applications, plus achieve required spend.

Valid until 30 Sep 2021 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Min. Annual Salary
HK$120,000
Cash back on overseas spend
0.4%
Cash back on local spend
2%

Extra HK$500 voucher apply via MoneySmart!

Valid until 30 Sep 2021 - See more details 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$300 Supermarket Voucher upon Card Approval , A total of welcome offer up to HK$1,102

Valid until 31 Jul 2021 - See more details below
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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$120,000
Cash back on overseas spend
2%
Cash back on local spend
2%

Extra HK$500 voucher apply via MoneySmart!

Valid until 30 Sep 2021 - See more details 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 DYSON V7 Fluffy+ Wireless Vacuum Cleaner or TEFAL Healthy Air Fryer or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit)
Valid until 31 Aug 2021 - See more details 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％

Extra HK$800 supermarket voucher from MoneySmart upon card approval. Enjoy welcome offers valued up to HK$2,960

Valid until 31 Jul 2021 - See more details below
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SCB 渣打銀行 logo
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%
Read More
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中信銀行(國際) logo
MoneySmart Exclusive
Up to 5% Cash Rebate on Online Spending

CNCBI Motion Credit Card

Min. Annual Salary
HK$150,000
Cash Back on Online Spending
5%
Basic Cash Back
0.55%

Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！

Valid until 30 Sep 2021 - See more details below
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大新銀行 logo

Dah Sing ONE+ Credit Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
1%
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$120,000
Cash back on overseas spend
2%
Cash back on local spend
0.75%

Extra HK$300 voucher apply via MoneySmart!

Valid until 31 Jul 2021 - See more details below
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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$120,000
Cash back on overseas spend
0.5%
Cash back on local spend
0.5%

Extra HK$300 voucher apply via MoneySmart!

Valid until 31 Jul 2021 - See more details below
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中信銀行(國際) logo
MoneySmart Exclusive
Handling Fee Waiver for Overseas Spending

CNCBI GBA Dual Currency Credit Card

Min. Annual Salary
150000
Cash Back on RMB Spending(in first 6 months)
4%
Basic Cash Back
0.55%

Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！

Valid until 30 Sep 2021 - See more details below
Apply Now
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中信銀行(國際) logo
MoneySmart Exclusive

CNCBI VISA Platinum Card

Min. Annual Salary
150000
Basic Cash Back
0.55%
Miles Conversion (local spend)
N/A

Successfully applied through MoneySmart: Extra HK$200 supermarket cash coupon！

Valid until 30 Sep 2021 - See more details below
Apply Now
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恒生銀行 logo
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%
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DBS 星展銀行 logo
Bank Promo
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%
Bank Promo:
 Get up to HK$400 PARKnSHOP /Watsons“InstaRedeem” Amount or HK$300 all merchants “InstaRedeem” Amount or 6 MCL movie ticket vouchers
Valid until 03 Oct 2021 - See more details below
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恒生銀行 logo

Hang Seng Platinum Visa Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
4%
Cash back on local spend
4%
Apply Now
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Best Cash Back Credit Cards in Hong Kong 2021

Credit CardCash backBEST FOR
Standard Chartered Smart Card5% on transactions made at selected merchantsFrequent buyer at Parknshop and Watsons
Citi Cash Back Card2% on global hotels and restaurantsFrequent travellers or staycation lovers
American Express Platinum Credit Card2% on dining, hotel and foreign currency spendingPeople who loves to earn cash back on dining and shopping online
Blue Cash℠ Credit Card from American Express1.2% on local and overseas spendingMovie lovers who goes to Broadway and AMC Pacific Place Cinemas regularly
Hang Seng enJoy Card1% enJoy dollars rebate on spending at designated merchantsPeople who frequently shop on enJoy card designated merchant including 7-Eleven, IKEA, Mannings etc.
WeWa UnionPay Card4% cash rebate on travel, cinema, karaoke and theme park spendingCash rebate seekers on lifestyle and entertainment usage
DBS COMPASS VISA1％ COMPASS Dollar rebate at designated merchants 3% rebate at Taobao and TmallFrequent buyer at Parknshop and Watsons
Standard Chartered Simply Cash Visa Card1.5% on local spending, including e-wallets like PayMe or AlipayWelcome offer cashback seekers

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.