Our Top Recommendations

Citi Cash Back Visa Card

$240,000

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Welcome offer HK$1,000 cash back for welcome rewards + MoneySmart exclusive HK$400 Voucher!

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Welcome offer HK$1,000 cash back for welcome rewards
+ MoneySmart exclusive HK$400 Voucher!

Unlimited cash rebate with no minimum spending on year-round spending
2％ rebate on global dining and hotel spending
2% cash rebate on other spending in foreign currency
1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus Card)

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Best for: Cash back rewards seekers, especially those who frequently spend on dining and local merchants in Hong Kong

Pros

Welcome offer HK$1,000 cash back for welcome rewards
After applying via MoneySmart, you may receive exclusive HK$400 Supermarket Voucher, without any spending requirement. Click here to learn more and redeem the offer
2% cash rebate on global dining and hotel spending
2% cash rebate on other spending in foreign currency
1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
Enjoy all Visa Signature Privileges

Cons

No rebates on bill-payment

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Standard Chartered Simply Cash Visa Card

HKD240,000

Min. Annual Salary

Cash back on overseas spend

1.5%

Cash back on local spend

Promotion: Welcome offer up to HKD2,000 CashBack + MONEYSMART exclusive HK$250 Voucher!

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Best for: CashBack seekers

Pros

Attractive New Cardholders welcome offer, up to HKD2,000 CashBack (100% CashBack [up to HKD1,000] + Lucky draw for extra HKD1,000 CashBack)
Receive extra HKD100 CashBack when apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card at the same time
1.5% CashBack on local currency spending, including Octopus Automatic Add-Value transactions
Minimum annual income requirement is HKD240,000
Enjoy all promotions of Visa Signature

Cons

No CashBack on bill payments made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Services and insurance payments

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Blue Cash℠ Credit Card from American Express

$150,000

Min. Annual Salary

1.2%

Cash back on overseas spend

1.2%

Cash back on local spend

Promotion: Welcome offer: HK$500 Cashback + 2 movie tickets + MONEYSMART exclusive HK$350 Voucher and Le Creuset Gift Set !

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Best for: Cash rebates seekers, 1.2% cash rebate in spending

Pros

Enjoy 1.2% Cashback on everyday purchases, in town and overseas
Annual salary requirement is low (HK$150,000)
Online fraud protection guarantee and 45 days cover
15% savings on 3D, 2D and IMAX movie tickets at Broadway Circuit and AMC Pacific Place cinemas
Cashback with no string

Cons

No rebates on bill-payment and octopus auto add value

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Other Cash Back Cards

AEON UnionPay Credit Card

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Welcome offer up to HK$500 + Up to HK$2000 rebate for overseas spending + Earn 3X Bonus points

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Best for: Cash rebate seekers on lifestyle usage

Pros

Enjoy members-only discount at AEON's massive merchant network
Every HK$1 spent on credit purchase entitled 1 bonus point. Every HK$1 on credit purchase or Interest-free Card Instalment Plan at AEON Stores entitled 2 bonus points*. Points accrued can be used for redemption offered by AEON Bonus Point Program
Enjoy 5% credit purchase discount at AEON on "Thanksgiving Days"
Enjoy interest-free card installment services on electrical appliances, furniture, health and equipment, and designated products year-round
AEON UnionPay Credit Card can be added to UnionPay App to enjoy cross-borad QR code payment service

Cons

HK$500 ceiling for cash rebate

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WeWa UnionPay Card

Min. Annual Salary

0.40%

Cash back on overseas spend

Cash back on local spend

Promotion: Welcome gift : Redemption price for Nintendo Switch Package or DAHON Folding Bikes or HK$500 cash rebate
Extra $100 cash rebate for successful application via MoneySmart

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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

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EarnMORE UnionPay Card

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion:
Welcome Offer : OTO Qseat or HK$600 Häagen-Dazs™ Gift Voucher or HK$500 Cash Rebate
Extra HK$100 cash rebate for successful application via MoneySmart

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Best for: People who focus on cash rebate in all spending no matter local or overseas spending

Pros

Up to 2% Cash Rebate for all categories eligible purchase
Automatic Add Value Service in Octopus Card also have up to 2% cashback
Handling fee waiver for overseas spending
Enjoy free access to the Plaza Premium Lounges at Hong Kong International Airport (East Wing and West Wing) and Macau International Airport (promotion until 28 February 2019)

Cons

Buy 1 get 1 free ticket in Cinema City is only valid on the specified day

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HSBC Visa Signature Card

$480,000

Min. Annual Salary

5.6%

Cash back on overseas spend

3.6%

Cash back on local spend

Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver

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Best for: Those looking to earn maximum amount of points on a particular category of their choosing, particularly for oversees spending

Pros

Earn up to 14X RewardCash for spending in Rewards of Your Choice category
Up to 5.6% RewardsCash rebate (ie. HK$2.78 = 1 mile)
Discounts from many merchants, such as restaurants and hotels
Many offers for overseas, online and dining spending, etc

Cons

High annual income requirement (HK$480,000)
Fee charged for mileage conversion

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Hang Seng enJoy Card

$150,000

Min. Annual Salary

1.5%

Cash back on overseas spend

1％

Cash back on local spend

Promotion: Welcome offers up to $400 enJoy Dollars and receive HKD3,500 designated merchant coupons

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Best for: People who frequently shopping on enJoy card designated merchant

Pros

Many designated merchants exclusive year-round discount offers
1％ enJoy Dollars Rebate for spending with your Card at the enJoy Card Designated Merchants (every HKD200 = $2 enJoy Dollars)
up to 2.4% Cash Dollars rebate on overseas spending and online shopping
Principal and Supplementary Card Customers will enjoy Perpetual Annual Fee Waiver

Cons

Every HKD200 card spending with your Card at merchant outlets other than the enJoy Card Designated Merchants, you can earn $1 Cash Dollar

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American Express® Platinum Credit Card

$300,000

Min. Annual Salary

N.A

Cash back on overseas spend

N.A

Cash back on local spend

Promotion: Special welcome offer of up to HK$2,960 + MONEYSMART exclusive HK$400 Voucher!

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Best for: Those who enjoy fine dining, traveling around the world with friends or shopping for your favorite fashion finds

Pros

Membership Rewards Program, spend HK$1 = 3 Membership Reward Points (Cap at HK$120,000)
2 complimentary Supplementary Cards
Gourmet Club membership with up to 50% savings on the a la carte dinner menu at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group
Buy 1 get 1 free movie ticket on Thursday and Friday on 3D, 2D and IMAX movie tickets at Broadway Circuit and AMC Pacific Palace Cinemas. Plus, 15% savings on 3D, 2D and IMAX regular priced movie tickets
10% off on select hotel bookings and an extra HK$100 cash back for every HK$2,000 spent on Expedia
Extra 10 Membership Rewards Points with every HK$1 spent at Hong Kong Parkview

Cons

No rebates on octopus card auto add value

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Citi Rewards Visa Card

$150,000

Min. Annual Salary

0.4%

Cash back on overseas spend

3.2%

Cash back on local spend

Promotion: Welcome offer 135,000 Points + MoneySmart exclusive HK$400 Voucher!

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Best for: Frequent shoppers looking to maximize points that can be used for a wide range of redemption options

Pros

Welcome offer 135,000 Points (can be redeemable for HK$600 Wellcome coupon or 9000 Miles＝Round trip ticket to Taipei 1 set)
After applying via MoneySmart, you may receive exclusive HK$400 Supermarket Voucher, without any spending requirement. Click here to learn more and redeem the offer
Enjoy 5X points (=HK$3/Mile) all year round and 8X points (=HK$1.875/Mile) during your birthday month for spending in supermarkets, department stores and telecommunication bill payments
E-wallet transaction is eligible as welcome offer spending (PayMe, WhChat Pay, AliPay, etc.)
Points never expire
Low annual income requirement for HK$150,000

Cons

Fees will be charged for converting points into miles
No points for making payment through online e-banking
No offers for overseas spending

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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: Up to 80,000 miles

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Best for: Travel lovers, using DBS$ to redeem 4 different kinds of mileage, or instant redeem flight ticket or hotel via iGO Rewards with DBS$

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

Cons

No miles on bill-payment and insurance payment
No complimentary travel insurance

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American Express I.T Cashback Card

$150,000

Min. Annual Salary

1.2%

Cash back on overseas spend

1.2%

Cash back on local spend

Promotion: HK$500 I.T gift certificate for welcome offer +2 Movie tickets + MONEYSMART exclusive HK$100 Voucher and Le Creuset Gift Set !

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Best for: Cash rebates seekers,, and frequently shop at I.T fashion stores and online shopping

Pros

2% Cashback at I.T and enjoy year-round I.T privileges
1.2% cash back on both local and overseas spending
Annual salary requirement is low (HK$150,000)
15% savings on 3D, 2D and IMAX movie tickets at Broadway Circuit and AMC Pacific Place cinemas
Online fraud protection guarantee and 45 days cover

Cons

No rebates on octopus card auto add value

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HSBC Visa Gold Card

$60,000

Min. Annual Salary

2.4%

Cash back on overseas spend

2.4%

Cash back on local spend

Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver

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Best For: Those looking for a simple day-to-day card with dining and shopping benefits

Pros

Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
Discounts from many merchants, such as restaurants and hotels
Many offers for overseas, online and dining spending, etc

Cons

Fee charged for mileage conversion
Online billing can't earn RewardCash

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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 + MoneySmart exclusive HK$400 Voucher!

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Best for: People who use Octopus card frequently and focus on cash rebate

Pros

Welcome offer HK$200 Cash Rebate
After applying via MoneySmart, you may receive exclusive HK$400 Supermarket Voucher, without any spending requirement. Click here to learn more and redeem the offer
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

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Standard Chartered Platinum Credit Card

HKD150,000

Min. Annual Salary

0.35%

Cash back on overseas spend

0.35%

Cash back on local spend

Promotion: New Cardholders welcome offer HKD600 cash rebate

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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

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Citi Clear Card

$60,000

Min. Annual Salary

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 booking on entertainment shows + MoneySmart exclusive HK$400 Voucher!

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Best for: People who love online spending frequently and love watch movies at the cinema

Pros

Welcome offer HK$800 Cash Rebate
After applying via MoneySmart, you may receive exclusive HK$400 Supermarket Voucher, without any spending requirement. Click here to learn more and redeem the offer
2% cash rebate on online spending in foreign currency
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

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HSBC Visa Platinum Card

$150,000

Min. Annual Salary

4.4%

Cash back on overseas spend

2.4%

Cash back on local spend

Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver

Apply Now

Best For: People who want to earn maximum amount of points to be used for a category of their choosing

Pros

Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
HSBC Exclusive Benefits: Concierge services including travel information and restaurant reservations, exclusive hotel and car rental offers, and application for Private Label Cards (city'super, CODE, Dickson, and HARVEY NICHOLS)
Earn RewardCash by settling Premium / tuition via e-banking (only for the first HK$10,000 each month)
No extra fee for Dynamic Currency Conversion transactions

Cons

Fee charged for mileage conversion

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Best Cash Back Credit Cards Hong Kong

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Citi Cash Back Visa Card

Welcome offer HK$1,000 cash back for welcome rewards
+ MoneySmart exclusive HK$400 Voucher!

Standard Chartered Simply Cash Visa Card

Blue Cash℠ Credit Card from American Express

AEON UnionPay Credit Card

WeWa UnionPay Card

EarnMORE UnionPay Card

HSBC Visa Signature Card

Hang Seng enJoy Card

American Express® Platinum Credit Card

Citi Rewards Visa Card

DBS Black World Mastercard

American Express I.T Cashback Card

HSBC Visa Gold Card

Citi Octopus Platinum Card

Standard Chartered Platinum Credit Card

Citi Clear Card

HSBC Visa Platinum Card