Our Top Recommendations

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 $500 enJoy Dollars and receive HKD4,000 designated merchant coupons

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Up to $500 enJoy Dollars & HKD 4000 Designated Merchant Coupons

Designated Merchants Exclusive Year-round Discount Offers
Earn 2x enJoy Dollars when spending at the enJoy Card Designated Merchants
Up to 6x Cash Dollars Reward on Overseas / Online / Interest-free Instalment Reward

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

Pros

Many designated merchants exclusive year-round discount offers
2x enJoy Dollars for spending with your Card at the enJoy Card Designated Merchants (every HKD200 = $2 enJoy Dollars)
Up to 6x Cash Dollars Reward on Overseas / Online / Interest-free Instalment Reward
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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Citi Cash Back Visa Card

$240,000

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Up to HK$1,440 cash back for welcome rewards

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

Pros

Attractive welcome offer of HK$1,440 cash rebate = HK$1,200 (welcome) + HK$240 (up to 2% standard cash rebate)
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

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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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Other Cash Back Cards

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 $200 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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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 bookings on entertainment shows

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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

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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

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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

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DBS Eminent Visa Signature Card

$360,000

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer

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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

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DBS Eminent Visa Platinum Card

$150,000

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Up to HK$910 spending rebate as welcome offer

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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

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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

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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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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

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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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Best Cash Back Credit Cards Hong Kong

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Category

Provider

Hang Seng enJoy Card

Up to $500 enJoy Dollars & HKD 4000 Designated Merchant Coupons

Citi Cash Back Visa Card

Standard Chartered Simply Cash Visa Card

WeWa UnionPay Card

Citi Clear Card

Citi Octopus Platinum Card

DBS Eminent Visa Signature Card

DBS Eminent Visa Platinum Card

Standard Chartered Platinum Credit Card

DBS Black World Mastercard