Best Cash Back Credit Cards in Hong Kong 2023

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
We found 53 Credit Cards for you!
Citibank 花旗銀行 logo
MoneySmart Exclusive
2% foreign currency rebate
Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
2%

【Limited Time Offer】Register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$1,000, you can earn a HK$2,000 SHKP Malls Gift Card/ [newly added] HK$1,800 Uber Voucher/ HK$1,800 Apple Gift Card/ HK$1,800 Supermarket Voucher!



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards+ with a spending amount of HKD1,000, you can receive an extra HK$300 Supermarket Voucher for every successful referral.

Valid until 30 Jun 2023 - See more details below
Apply Now
DBS 星展銀行 logo
MoneySmart Exclusive
10% discount at supermarkets, Taobao & Tmall
Min. Annual Salary
HK$100,000
Cash back on overseas spend
0.4%
Cash back on local spend
1%

From now until 30 June, apply designated DBS Compass Visa through MoneySmart successfully to get HK$200 Klook Voucher or HK$200 Supermarket Vouchers! 



Meet the spending requirement of HK$6,800 in the first 3 months of card issuance, register and activate DBS Card+ account within 1 month of the New Card issuance, can enjoy: 100% Rebate on KMB/LWB or TenRen’s Tea (Up to HK$800 “InstaRedeem” Amount) OR HK$800 Local Supermarket or Taobao “InstaRedeem” Amount. Upon successfully applying for a 12-month or above Flexi Shopping Programme without any spending requirement, get an extra HK$200 Cash Rebate! Total welcome offer is up to HK$1,200!

Valid until 30 Jun 2023 - See more details below
Apply Now
SCB 渣打銀行 logo
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$1,599

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,200 Apple Gift Card or HK$1,200 Supermarket or Shokz S810 Bone Conduction Open-ear sport headphones (Colour randomly distributed) (Retail price: HK$1,599). Total up to HK$2,799 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall ! Limited-time - Earn 8% CashBack at Deliveroo! Spend Smart for your trip, waive any foreign exchange fee for foreign currency transaction!



[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 15 Jun 2023 - See more details below
Apply Now
 安信信貸 logo
MoneySmart Exclusive
Min. Annual Salary
HK$0
Cash rebate on travel spending and designated spending categories
4%
Cash back on overseas spend
0.4%
Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: B&O Beosound Explore Bluetooth Speaker (Black Anthracite) or Samsung Galaxy Tab A7 Lite (LTE) Tablet (T225) or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 31 Aug 2023 - See more details below
Apply Now
中信銀行(國際) logo
MoneySmart Exclusive
Min. Annual Salary
HK$96,000
Cash Back on Dining, Online and Foreign Currency Spending
6%
Annual Fee Wavier
First-Year

New customer apply for CNCBI Motion Credit Card now via MoneySmart to get an extra HK$300 Supermarket Voucher or Apple Gift Card or Starbucks Gift Card! 6% cash rebate on Dining, Online and Foreign Currency Spending year-round offer, you could also choose either enjoy 10% Cash Rebate (equivalent to HK$1,000) on spending in foreign currencies or HK$700 cash rebate, no minimum spending requirement! Total reward up to HK$1,300!

Valid until 30 Jun 2023 - See more details below
Apply Now
恒生銀行 logo
MoneySmart Exclusive
Up to 4x Points to spend as cash
Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points

【Limited Offer】Until 18 June, apply for the designated Hang Seng Credit Card via MoneySmart simply spend HK$1,000 within a month, to get an extra HK$1,000 Apple Gift Card or HK$1,000 Supermarket vouchers or HK$1,000 Klook CouponTo ensure you can get the exclusive reward, please apply via this link and do not log on to Hang Seng Personal e-Banking!



[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 18 Jun 2023 - See more details below
Apply Now
AEON信貸財務(亞洲) logo
Bank Promo
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%
Bank Promo:
Welcome Offer Up to 16% Cash Rebate + HK$400 Cash Rebate! 6% Cash Rebate is applicable to any categories of online spending and food delivery all round year! Enjoy 3% Cash Rebate in Japan Spending, waive fee on Foreign Currency Transaction!
Valid until 30 Jun 2023 - See more details below
Apply Now
 安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
 Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or OTO massage chair or Aurabeat AG+ Air Purifier 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 Dec 2023 - See more details below
Apply Now
DBS 星展銀行 logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Designated Cash Back for Online Transaction
6%

From now until 30 June, apply designated cards through MoneySmart (DBS Black World Mastercard/ DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Klook Gift Card or HK$200 Supermarket Vouchers! 

Valid until 30 Jun 2023 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
0.75%

【Limited Time Offer】Register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$1,000, you can earn a HK$2,000 SHKP Malls Gift Card/ [newly added] HK$1,800 Uber Voucher/ HK$1,800 Apple Gift Card/ HK$1,800 Supermarket Voucher!



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards+ with a spending amount of HKD1,000, you can receive an extra HK$300 Supermarket Voucher for every successful referral.

Valid until 30 Jun 2023 - See more details below
Apply Now
DBS 星展銀行 logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on overseas spend
2%
Cash back on local spend
3%

From now until 30 June, apply designated cards through MoneySmart (DBS Black World Mastercard/ DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Klook Gift Card or HK$200 Supermarket Vouchers! 

Valid until 30 Jun 2023 - See more details below
Apply Now
恒生銀行 logo
MoneySmart Exclusive
Get 5% +FUN dollars on designated spending
Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on selected spending categories
5%
+FUN Dollars rebate on online retail transaction
5%

【Limited Offer】Until 18 June, apply for the designated Hang Seng Credit Card via MoneySmart simply spend HK$1,000 within a month, to get an extra HK$1,000 Apple Gift Card or HK$1,000 Supermarket vouchers or HK$1,000 Klook CouponTo ensure you can get the exclusive reward, please apply via this link and do not log on to Hang Seng Personal e-Banking!



[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 18 Jun 2023 - See more details below
Apply Now
 安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending
Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or OTO massage chair or Aurabeat AG+ Air Purifier 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 Dec 2023 - See more details below
Apply Now
AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants
Min. Annual Salary
HK$300,000
Cash back on overseas spend
1%
Cash back on local spend
1%

Successfully apply American Express® Platinum Credit Card now to get extra HK$1,000 supermarket voucher from MoneySmart & welcome offers valued up to HK$2,960 upon card approval. The total value is up to HK$3,960

Valid until 30 Jun 2023 - See more details below
Apply Now
AE 美國運通 logo
Unlimited 1.2% Cashback
Min. Annual Salary
HK$0
Cash back on overseas spend
1.2%
Cash back on local spend
1.2%
Read More
Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn 10X points
Minimum Income Requirements
HK$120,000
QuickPass, UnionPay QR Code and Online Retail Transactions
10X Points
Miles Conversion (local spend)
$1.5 = 1 Mile

【Limited Time Offer】Register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$1,000, you can earn a HK$2,000 SHKP Malls Gift Card/ [newly added] HK$1,800 Uber Voucher/ HK$1,800 Apple Gift Card/ HK$1,800 Supermarket Voucher!



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards+ with a spending amount of HKD1,000, you can receive an extra HK$300 Supermarket Voucher for every successful referral.

Valid until 30 Jun 2023 - See more details below
Apply Now
Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions
Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Cash back on Wallet transactions
5X Points

【Limited Time Offer】Register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$1,000, you can earn a HK$2,000 SHKP Malls Gift Card/ [newly added] HK$1,800 Uber Voucher/ HK$1,800 Apple Gift Card/ HK$1,800 Supermarket Voucher!



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards+ with a spending amount of HKD1,000, you can receive an extra HK$300 Supermarket Voucher for every successful referral.

Valid until 30 Jun 2023 - See more details below
Apply Now
大新銀行 logo
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Cash back on overseas spend
1%
Cash back on local spend
1%

【Welcome offer Exclusive for MoneySmart Users】From now until 30 June 2023,  New Dah Sing Credit Cardholder to get extra HK$150 supermarket vouchers/Apple Gift Card upon approval on the credit card! Total up to HK$950 rewards including Dah Sing Bank welcome offer. 

Valid until 30 Jun 2023 - See more details below
Apply Now
sim logo
Online Promo
2% cashback on all spending
Cashback on Local and Overseas Spending
2%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A
Online Promo:
New Cardholders can redeem HKD 500 Apple Store Gift Card or HKTV mall e-coupon on any eligible transactions within the first 2 months upon the card issuance. Terms and conditions apply.

Valid until 30 Jun 2023 - See more details below
Apply NowApply directly on MoneySmart
中信銀行(國際) logo
Handling Fee Waiver for Overseas Spending
Min. Annual Salary
HK$150,000
Cash Back on RMB Spending(in first 6 months)
4%
Basic Cash Back
0.55%
Read More

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Best Cash Back Credit Cards in Hong Kong

Cash Back Credit CardCash back rateBEST FOR
DBS LIVE FRESH6%Frequent online shoppers
Standard Chartered Smart Card5%Frequent buyer at Parknshop and Watsons
WeWa UnionPay Card4%Cash rebate seekers on lifestyle and entertainment usage
Citi Cash Back Cardt2%Frequent travellers or staycation lovers
Hang Seng enJoy Card2%People who frequently shop on enJoy card designated merchant including 7-Eleven, IKEA, Mannings etc.
American Express Explorer™ Credit Card2%Frequent travellers or staycation lovers
Standard Chartered Simply Cash Visa Card1.5%Frequent buyer at Parknshop and Watsons

Popular Cash Rebate 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% Cash back 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

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
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    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 1

    Basic 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 2

    Bonus 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 3

    Introductory 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.