Best Cash Back Credit Cards Hong Kong

Updated February 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.

Other Cash Back Cards
AEON UnionPay Credit Card
AEON UnionPay Credit Card

$0

Min. Annual Salary

1%

Cash back on overseas spend

1%

Cash back on local spend

Promotion: Welcome offer up to HK$500 + Up to HK$2000 rebate for overseas spending + Earn 3X Bonus points
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
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 $100 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
EarnMORE UnionPay Card
EarnMORE UnionPay Card

$0

Min. Annual Salary

2%

Cash back on overseas spend

2%

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
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
HSBC Visa Signature Card
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
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
Hang Seng enJoy Card
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
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
American Express® Platinum Credit Card
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!
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
Citi Rewards Visa Card
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!
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
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: Up to 80,000 miles
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
American Express I.T Cashback Card
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 !
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
HSBC Visa Gold Card
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
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
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 + MoneySmart exclusive HK$400 Voucher!
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
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

Promotion: New Cardholders welcome offer HKD600 cash rebate
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
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 booking on entertainment shows + MoneySmart exclusive HK$400 Voucher!
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
HSBC Visa Platinum Card
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
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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