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Calculators
Updated October 2019
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.
HK$250 Voucher!
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
HK$500 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
| Annual Interest Rate | 31.59% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Permanent Annual Fee Waiver |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
| Interest Free Period |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | N/A |
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | HK$1,000 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher. |
| Interest Free Period | 56days |
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N.A. To borrow or not to borrow? Borrow only if you can repay! |
HK$300 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | First 2-year |
| Minimum Monthly Repayment | (i) If the Monthly Statement Balance is HK$/RMB200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$/RMB200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$/RMB200, the minimum payment will be the Monthly Statement Balance |
| Interest Free Period | Up to 60 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard PayPass |
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N.A |
| Interest Free Period | 1% of monthly balance + fees |
| Local Resident | HK$100,000 |
|---|---|
| Foreigner | HK$100,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa Paywave |
| Annual Interest Rate | 36.43% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance |
| Interest Free Period | 56days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | HK$900 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 56 Days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave To borrow or not to borrow? Borrow only if you can repay! |
| Annual Interest Rate | 36.43% |
|---|---|
| Principle Annual Fee | HK$600 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance + fees |
| Interest Free Period | 56 days |
| Local Resident | HK$40,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard PayPass |
HK$300Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of statement balance + fees. For more info, view T&C |
| Interest Free Period | 58 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N/A |
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard / Visa |
|---|---|
| Wireless Payment | N/A |
HK$200 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$180 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.50% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$600 |
| Supplementary Annual Fee | HK$300 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1％ of statement balance + fees. For more info, view T&C |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa Paywave To borrow or not to borrow? Borrow only if you can repay! |
Link up Octopus AAVS with a designated credit card such as EarnMORE UnionPay Card, Standard Chartered Simply Cash Visa Card and Citi Cash Back Visa Card to earn cash rebate. Please note that the reload amount varies from HK$150, HK$250 to HK$500. AAVS can only be reloaded once a day and the maximum rewards cardholders can earn varies.
Link up Octopus AAVS with a designated credit card such as Standard Chartered Asia Miles Mastercard, Citi Prestige Card, Dah Sing British Airways Platinum Card to earn air miles. Please note that the reload amount varies from HK$150, HK$250 to HK$500. AAVS can only be reloaded once a day and the maximum rewards cardholders can earn varies.
Earn up to 1.5% unlimited cashback on local currency spending and 2% cashback on foreign currencies spending with no minimum spending requirement.
Top up PayMe e-wallet to earn up to 1.5% rebate, capped at HK$75 monthly and HK$900 annually.
New customers can enjoy 100% CashBack on any eligible transactions within the first 2 months upon the card issuance, capped at HK$1,000. Apply via MoneySmart to enjoy an exclusive HK$250 voucher.
Enjoy unlimited cash rebate with no minimum spending throughout the year. Earn 2% on local spend and spending in foreign currency. Also eligible for 1% rebate on e-wallet transaction (PayMe, WeChat Pay, AliPay, Octopus Card). Cardholders can also enjoy all Visa Signature Privileges.
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 cashbacks and gifts. For some banks, you can pay cash dollars at selected merchants as cash. With the said that, cashback credit cards also have limits. Here are 3 tips for you:
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.
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.
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.
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.
Some cards offer cardholders cashback for their spending. The cashback earned will be automatically used to offset spending in the cardholders’ next month bill. For example, American Express Cash Back Blue Card offers 1.2% Cashback on daily purchases, which will be credited to the cardholder's account automatically to offset spending.
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.
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.
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.
Cashback credit cards are effortless and simple to use since the cashback is automatically credited into your credit card account. Some banks also link cashbacks to their reward points scheme, such as Hang Seng. Cash Dollars can be used as coupons or cash at selected merchants.
The best thing about cash back credit cards is that you don’t need to worry about the expiry date of points. All cash back will be credited directly into your credit card account. Unlike air miles and gifts, you don’t need to pay extra fees for redeeming.
Before getting a cashback credit card, sort out your spending habits and frequent spending categories. For people who frequently shopping on enJoy card designated merchant, Hang Seng enJoy Card can be a good option. If you prefer cash back, you can consider BOC Dual Currency Card/ China Construction Bank (Asia) eye Credit Card.