Best Cash Back Credit Cards in Hong Kong 2025

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 46 Credit Cards for you!
Mox Credit Card (Cashback)
MoneySmart Exclusive
Best-in-town Unlimited CashBack
Unlimited CashBack at all supermarkets
3%
Unlimited CashBack
2%
MoneySmart exclusive welcome offer
Up to HKD3,700 rewards

Popular!!【Instantly Get HKD200 + 🔥 Extra 20 Nintendo Switch Consoles Up for Grabs**】**
🌟 Unlimited Cashback♾ From July 14 to July 31, new customers who successfully open an account and apply for a Mox credit card with the invitation code "1200MOXMS" can get HKD200 Cash. Spend HKD2,000 within 60 days to win one of 🎉20 Nintendo Switch 2 (worth HKD3,450), or choose from the following amazing rewards, totalling up to HKD3,700:
1. Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HKD3,700) or
2. PHILIPS ADD6901HWH01/90 RO Water Dispenser (Value: HKD1,998) or
3. HKD1,200 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher or
4. HKD1,000 Cash (automatically converted by 10,000 SmartPoints and will directly deposit to your FPS account)
*Subject to "1200MOXMS" Invitation Code Promotion Terms and Conditions.

Valid until 31 Jul 2025 - See more details below
Apply Now
Standard Chartered Smart Card
MoneySmart Exclusive
Up to 5% rebate|Waive foreign exchange fee
Cash back on spending at Klook
Up to 5%
Cash back at Designated Merchants
Up to 5%
MoneySmart Exclusive Offer
HK$2,798

【🌟Double the Excitement: Apply now and get up to HK$HK$1,998 Rewards from MoneySmart!】
From now until 31 July 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998)
・OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・🆕 Momax 1-Home Vacuum+ Cordless Vacuum Cleaner (Value: HK$1,099)
・GHD Flight+ Travel Hair Dryer (Value: HK$895)
・HK$800 Apple Store Gift Card/ PARKnSHOP Supermarket Vouchers

Valid until 31 Jul 2025 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate
Promotion ends in 2 days
Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%

【July Exclusive|🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 15 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 15 Jul 2025 - See more details below
Apply Now
HSBC Red Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Cash back on Supermarket purchases
2%

3 DAYS ONLY【FLASH DEAL🔥 Earn HK$800 Voucher OR up to HK$2,398 Rewards🤩】
From 14 July to 16 July, successfully apply for the HSBC Red Credit Card via MoneySmart and submit the redemption form, and you can earn one of the following gifts at ZERO COST:
🌟 Plus Minus Zero XQH-X020 Air Purifier (Value: HK$2,398)
🌟 TEA CHÂTEAU Modern Tea Machine (Value: HK$1,838)
🌟 HK$800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 16 Jul 2025 - See more details below
Apply Now
Citi PremierMiles Card
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%

【July Exclusive|🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 15 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 15 Jul 2025 - See more details below
Apply Now
Hang Seng MMPOWER World Mastercard®
MoneySmart Exclusive
Get up to 6% +FUN Dollars on overseas spending
Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on Overseas foreign currencies spending
Up to 6%
+FUN Dollars rebate on Online Retail Transaction
Up to 5%%
Apply Now
WeWa Visa Signature Card
MoneySmart Exclusive
Mobile Payment
Up to 4%
Annual Fee
First 2 year annual fee waiver
Specific Fun Category
Up to 4%
Apply Now
Mox Credit Card (Miles)
MoneySmart Exclusive
Limited Offer|Best-in-town Asia Miles rewards
Miles Conversion
HKD4 = 1 mile
Foreign Transaction Fee
0%
MoneySmart exclusive welcome offer
Up to 16,000 miles / Up to 15,000 miles + HKD200 rewards
Apply Now
HSBC Visa Signature Card
MoneySmart Exclusive
Min. Annual Salary
HK$240,000
RewardCash Rebate
3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!

🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply Now
EarnMORE UnionPay Diamond Card
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%
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions and Overseas Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

July Exclusive【Spend HK$100, Get HK$400 – Grab 4X Cash Rebate🤑】
From now until 31 July 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn HK$400 Apple Store Gift Card or HK$400 PARKnSHOP Supermarket Voucher! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!

Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
Miles Conversion (Eligible Local Transaction)*
HK$3 = 1 Mile
【✈️Top Pick for Beginners in Miles: Earn 1,000 Miles + HK$200 Rebate Instantly】
From now until Jul 14, both new and existing customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and make their first transaction within 3 months can enjoy 18,000 Membership Rewards® points + [Limited Time Offer] HK$200 statement credit. Spend HK$7,000 to earn a total of 126,000 Membership Rewards points, equivalent to 7,000 miles + [Limited Time Offer] up to HK$520 travel insurance welcome reward! That’s enough to fully cover the Greater Bay Area Annual Travel Insurance (Basic Plan)! If you aren’t a frequent mainland traveler, you may choose to upgrade to the worldwide annual travel insurance!
🌟Spend HK$7,000, Earn 8,000 miles - just HK$0,875/ mile + HK$720 Statement Credit!

Ready to Fly Further for Less? Supercharged earning rates:
During the welcome period, earn HK$3=1 mile on eligible local transactions, up to 1,152,000 Points, enough to redeem for 64,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!
Valid until 14 Jul 2025 - See more details below
Apply Now
Hang Seng Travel+ Visa Signature Card
MoneySmart Exclusive
Overseas Spending up to 7% Reward
Annual Fee
Perceptual Annual Fee Waiver
+FUN Dollars Rebate on Foreign Currency Spending
Up to 7%
+FUN Dollars Rebate on Local Dining & Transportation Spending
Up to 5%
Apply Now
Hang Seng enJoy Card
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
Apply Now
DBS Eminent Visa Platinum Card
MoneySmart Exclusive
Min. Annual Salary
HK$150,000
Rebate on 4 designated categories of spendings
5%
Cash back on local spend
3%
Apply Now
DBS COMPASS VISA
MoneySmart Exclusive
Up to 8% rebate on local supermarkets
Min. Annual Salary
HK$100,000
Cash back on designated local spend
1%
Miles Conversion (local spend)
HK$10 = 1 Mile
Apply Now
HSBC Visa Gold Card
MoneySmart Exclusive
Min. Annual Salary
HK$60,000
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Cash back on local spend
2.4%
【Welcome Offer up to $800 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $600 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!

🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply Now
Citi Rewards MasterCard
MoneySmart Exclusive
3% Points on Shopping and Entertainment
Minimum Income Requirements
HK$120,000
Rebate on Shopping & Entertainment Transactions
8.1X points
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

【July Exclusive|🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 15 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 15 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
Airwallex Borderless Card
MoneySmart Exclusive
Save on advertising expenses
Welcome offer
Up to 10,000 Asia Miles
Annual Principal Fee
N/A
Supported Currencies
130+
【⚡️MoneySmart Exclusive until 31 Jul - Earn up to 10,000 MILES!】
Pay anytime, anywhere! Create corporate cards for your business in minutes after successful account opening, earning 5,000 Asia miles. Plus, extra 5,000 Asia miles after the first transaction with your corporate card (min. HK$240) within the first 30 days!

Collet payments in 130+ currencies and payout to over 150 countries. And earn unlimited 1% cash rebate on your overseas and local spending! 
Valid until 31 Jul 2025 - See more details below
Apply Now
sim Credit Card
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions and Local Transportation Transactions
Up to 8%
Fee Waiver
First Year Free
Minimum Income Requirements
N/A

July Exclusive【Spend HK$100, Get HK$400 – Grab 4X Cash Rebate🤑】
From now until 31 July 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn HK$400 Apple Store Gift Card or HK$400 PARKnSHOP Supermarket Voucher! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!

Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart

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
  • background image

    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.