Our Top Recommendations

Citi Cash Back Visa Card

$240,000

Min. Annual Salary

Cash back on overseas spend

Cash back on local spend

Promotion: Up to HK$1,200 cash back for welcome rewards

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Welcome offer up to HK$1,200 cash rebate

2% rebate on global dining and hotel spending
2% rebate on other spending in foreign currency
First year annual fee waiver
Auto rebate with no cap

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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$1,200 cash rebate = HK$1,000 (welcome) + HK$200 (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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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 $500 enJoy Dollars and receive HKD4,000 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
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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Other Cash Back Cards

BEA Visa Signature Card

HK$240,000

Min. Annual Salary

1.6%

Cash back on overseas spend

2.4%

Cash back on local spend

Promotion: Welcome offer: HK$800 Maxim’s Gift Coupon

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Best for: Those who frequently spend on dining and local merchants in Hong Kong

Pros

Unlimited 6X Bonus Points (2.4% rebate) at all dining outlets in Hong Kong
Unlimited 4X Bonus Points (1.6% rebate) for all overseas spending/li>
Reach the designated spending amount for any calendar year with your BEA Visa Signature Card, will be entitled to free 7-day family travel insurance plans in the following year
10% off on UA/MCL cinemas/ The Metroplex

Cons

No Bonus Points will be offered for selected online bill payments
No Bonus Points will be offered for purchases and/or adding value to stored-value cards or e-Wallets (except PayMe/ Octopus Automatic Add Value Service)
No extra 0.6 Points for PayMe/ Octopus Automatic Add Value Service
Points can't convert to Asia Miles

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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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DBS Compass VISA

$100,000

Min. Annual Salary

0.4%

Cash back on overseas spend

Cash back on local spend

Promotion: Welcome gift: Dunlop Aztec Collection 28” Suitcase/ HK$400 PARKnSHOP “InstaRedeem” Amount/ 6 MCL movie ticket vouchers

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Best for: General public especially those who always go for daily supplies

Pros

Lower salary requirement (HK$100,000)
Spend greater than or equal to HK$100 in a single purchase at PARKnSHOP to enjoy 8% discount on the 2nd, 12th and 22nd day of every month
Spend greater than or equal to HK$500 in a single purchase at Watsons to enjoy 8% discount at Watsons on the 5th, 15th and 25th day of every month
Spending at Taobao® Marketplace and Tmall can earn 3% COMPASS Dollar rebate with COMPASS VISA.

Cons

No points for settling bills via e-banking

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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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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

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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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Citi Rewards Visa Card

$150,000

Min. Annual Salary

0.4%

Cash back on overseas spend

3.2%

Cash back on local spend

Promotion: Limited Time Double Welcome Offer 270,000 Points! Can be redeemable up to HK$1,200 Voucher or Round trip ticket to Taipei 2 sets!

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

Pros

Limited Time Double Welcome Offer 270,000 Points! up to HK$1,200 Voucher or Round trip ticket to Taipei 2 sets!
After applying Citi Rewards Card via MoneySmart, receive an exclusive Sasa HK$100 voucher without any spending requirement. Click here to learn more and redeem
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
Redeem cash coupons up to 30% off at designated redemption hotspots or online found in Citi ThankYou Rewards
Redeem points for a wide variety of options including movie tickets, air miles, and instantly offsetting spending

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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BEA i-Titanium Card

HK$40,000

Min. Annual Salary

0.4%

Cash back on overseas spend

Cash back on local spend

Promotion: Welcome offer: HK$400 Maxim’s Gift Coupon / Delsey 70cm 4 double wheels expandable suitcase

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Best for: Online shopping and cash rebate lovers

Pros

3% cash rebate on online shopping
4.4% cash rebate on "BEA Days" selected category spending
Minimum annual income requirement is HK$40,000
Simple approval conditions which students can also apply

Cons

No CashBack on e-banking payment

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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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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 Movie Vouchers + Buy-1-Get-1-Free movie tickets + Priority booking 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$300 Wellcome Cash Coupon!

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

Pros

Welcome offer HK$300 Wellcome Cash Coupon
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

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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 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

Apply Now

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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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

Apply Now

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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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 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

Citi Cash Back Visa Card

Welcome offer up to HK$1,200 cash rebate

HSBC Visa Signature Card

Hang Seng enJoy Card

BEA Visa Signature Card

Standard Chartered Simply Cash Visa Card

DBS Compass VISA

DBS Eminent Visa Signature Card

HSBC Visa Platinum Card

Citi Rewards Visa Card

BEA i-Titanium Card

WeWa UnionPay Card

Citi Clear Card

Citi Octopus Platinum Card

Standard Chartered Platinum Credit Card

DBS Eminent Visa Platinum Card

HSBC Visa Gold Card

DBS Black World Mastercard