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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
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SCB 渣打銀行 logo
MoneySmart Exclusive
5% rebate｜Waive foreign exchange fee

Standard Chartered Smart Card

Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$1,399

[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 Voucher or LG FN7 TONE Free True Wireless Earbuds (retail price: HK$1,399) (colour is randomly distributed)! Total up to HK$2,599 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall! Spend Smart for your trip, waive any foreign exchange fee for foreign currency transaction! You could enjoy up to 12% CashBack to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!



[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 31 Jan 2023 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Get 6% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash Rebate on all restaurants in Hong Kong and selected online merchants
6%
Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: De'Longhi Espresso Coffee Machine or LG Monitor 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 28 Feb 2023 - See more details below
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恒生銀行 logo
Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points
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AEON信貸財務(亞洲) logo
Bank Promo

AEON CARD WAKUWAKU

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 31 Mar 2023 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Card

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
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DBS 星展銀行 logo

DBS LIVE FRESH

Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
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AE 美國運通 logo
Bank Promo
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Cash back on foreign currencies spending
1.25%
Bank Promo:
Apply for the American Express Explorer Credit Card and get rewards up to HK$800 Statement Credits and 68,000 miles!
Valid until 31 Jan 2023 - See more details below
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DBS 星展銀行 logo

DBS Eminent Visa Platinum Card

Min. Annual Salary
HK$150,000
Cash back on overseas spend
2%
Cash back on local spend
3%
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DBS 星展銀行 logo
10% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary
HK$100,000
Cash back on overseas spend
0.4%
Cash back on local spend
1%
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安信信貸 logo
MoneySmart Exclusive
3 Complimentary airport lounges access per year

EarnMORE UnionPay Card (applicable to designated Full-time University /Tertiary Students)

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
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AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback

Blue Cash® Credit Card from American Express

Min. Annual Salary
HK$0
Cash back on overseas spend
1.2%
Cash back on local spend
1.2%

From now till 31 January 2023, HK$200 Supermarket Voucher upon Card Approval and the limited-time welcome offer of up to HK$1,402! Enjoy 1.2% cash back with no string , cash back credited to account automatically every month with NO administration charge.

Valid until 31 Jan 2023 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn 10X points

Citi Rewards UnionPay Card

Minimum Income Requirements
HK$120,000
QuickPass, UnionPay QR Code and Online Retail Transactions
10X Points
Miles Conversion (local spend)
$1.5 = 1 Mile

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Jan 2023 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

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$300 supermarket voucher / Apple Gift Card from MoneySmart & welcome offers valued up to HK$2,960 upon card approval. The total value is up to HK$3,260! 

Valid until 31 Jan 2023 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
2%

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Cash back on Wallet transactions
5X Points

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Jan 2023 - See more details below
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Citibank 花旗銀行 logo
Up to 15% transport fare rebate

Citi Octopus Platinum Card

Minimum Income Requirements
HK$120,000
Cash back on overseas spend
0.5%
Cash back on local spend
0.5%
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Citibank 花旗銀行 logo

Citi The Club

MoneySmart Limited Time Offer
4,000 Club points
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
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恒生銀行 logo
MoneySmart Exclusive
Get up to 11% cash dollars on designated spending

Hang Seng MPOWER CARD

Annual fee
Perpetual annual fee waiver
Cash back on overseas spend
Up to 5%
Cash back on local spend
Up to 5%
【Welcome Offer】Successfully apply for MPOWER Card and fulfill designated spending requirement to enjoy up to $700 Cash Dollars / 10 MCL Movie Tickets. You can also open a Preferred Banking account to enjoy USD25 cash rewards+, together with other account opening rewards of up to USD200. Apply Now to enjoy MCL Cinema Online Handling Fee Waiver & Concert Priority Booking!!
Valid until 31 Jan 2023 - See more details below
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大新銀行 logo
MoneySmart Exclusive

Dah Sing ONE+ Credit Card

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 31 January 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 31 Jan 2023 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Cash back on overseas spend
2%
Cash back on local spend
0.75%

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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.