Best Cash Back Credit Cards in Hong Kong 2026
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.
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We found 55 credit cards for you!
🚨Doubel 11 Frenzy【Up to HK$2,800 Cash Rewards for a Limited Time & Play to win a PS5 + GTA 6 at no Extra Cost 🎮 】
From now to 8 November 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes: "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ An extra HK$200 Cash (deposited directly into your FPS account) or HK$200 Apple Store Gift Card (fulfilled by MoneySmart);
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2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward (choose one)!
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,200 cash (deposited directly into your FPS account) / HK$1,300 Apple Store Gift Card / TP-Link Tapo RV30 Max Plus Gen 2 Robot Vacuum & Mop + Compact Auto-Empty Dock (Value: HK$2,299) / Round-trip Air Ticket from Hong Kong to Taipei for one person on STARLUX Airlines (Excluding fuel surcharges and taxes) ✈️
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$2,000 cash (deposited directly into your FPS account) / HK$2,100 Apple Store Gift Card / Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) / SONY WH-1000XM6 Wireless Noise Cancelling Headphones (Value: HK$3,699); ⭐
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3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the "MOXFLASHMS3"/"MOXPHONEMS" invitation code promotion.
【🎮 Double 11 Frenzy: Bag the Deals & Max Out Rewards!】 Play and Win a PS5 + GTA 6 Bundle 🔥!
During the Promotion Period, customers who apply and get a Mox Credit Card approved with any designated MoneySmart invitation code and fulfil the designated spending can participate in the mini game on the campaign page, submit the score in the reward redemption form. The Eligible Participants with the highest scores will have a chance to win a 🔥 SONY PlayStation 5 Digital Edition 825GB (Slim Version) + PS5 Grand Theft Auto VI Game Software (Code in Box) (Standard Version) (Value: HK$4,825). Insta360 Ace Pro 2 Action Camera, Cambridge Audio speakers, GTA VI and cash prizes are up for grabs too!
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Valid till 08 Nov 2026
⚡ November Exclusive Deal【🔥Earn HK$900 Cash/ Up to HK$2,600 Rewards】
From now until 30 November 2026, customers who successfully apply for sim Credit Card via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can enjoy one of the following gifts (choose 1 out of 7) 🎁 :
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$2,600)
・POLAROID Now Generation 3 i-Type Instant Camera (Value: HK$1,199, random color)
・Apple AirPods 5 (Value: HK$1,099)
・Apple HomePod mini 2 (Value: HK$1,099, random color)
・HK$1,000 Apple Store Gift Card / ParknShop e-Vouchers
・HK$900 Cash via FPS (automatically converted by 9,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
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💡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 till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
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【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
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【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 November 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
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【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
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【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$2,100 cash rewards】
MS Exclusive: From now until 30 November 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/ Apple/ Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,800 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 30 Nov 2026
🚨Doubel 11 Frenzy【Up to HK$2,800 Cash Rewards for a Limited Time & Play to win a PS5 + GTA 6 at no Extra Cost 🎮 】
From now to 8 November 2026, new customers who successfully open a Mox Bank Account and get approved for a Mox Credit Card using any one of the designated MoneySmart invitation codes: "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ An extra HK$200 Cash (deposited directly into your FPS account) or HK$200 Apple Store Gift Card (fulfilled by MoneySmart);
⠀⠀
2️⃣ Spend the designated amount within 30 days of card approval to unlock your reward (choose one)!
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,200 cash (deposited directly into your FPS account) / HK$1,300 Apple Store Gift Card / TP-Link Tapo RV30 Max Plus Gen 2 Robot Vacuum & Mop + Compact Auto-Empty Dock (Value: HK$2,299) / Round-trip Air Ticket from Hong Kong to Taipei for one person on STARLUX Airlines (Excluding fuel surcharges and taxes) ✈️
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$2,000 cash (deposited directly into your FPS account) / HK$2,100 Apple Store Gift Card / Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) / SONY WH-1000XM6 Wireless Noise Cancelling Headphones (Value: HK$3,699); ⭐
⠀⠀
3️⃣ Deposit HK$50,000 within 7 days of account opening and maintain it for 30 days to enjoy an additional HK$500 Cash Rebate
*Subject to the Terms and Conditions of the "MOXFLASHMS3"/"MOXPHONEMS" invitation code promotion.
【🎮 Double 11 Frenzy: Bag the Deals & Max Out Rewards!】 Play and Win a PS5 + GTA 6 Bundle 🔥!
During the Promotion Period, customers who apply and get a Mox Credit Card approved with any designated MoneySmart invitation code and fulfil the designated spending can participate in the mini game on the campaign page, submit the score in the reward redemption form. The Eligible Participants with the highest scores will have a chance to win a 🔥 SONY PlayStation 5 Digital Edition 825GB (Slim Version) + PS5 Grand Theft Auto VI Game Software (Code in Box) (Standard Version) (Value: HK$4,825). Insta360 Ace Pro 2 Action Camera, Cambridge Audio speakers, GTA VI and cash prizes are up for grabs too!
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Valid till 08 Nov 2026
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【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】
From now until 10 November 2026, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and fulfil the spending requirement within the first 3 months can earn up to 26,000 miles—enough to redeem a round-trip flight to Japan ✈️ Plus an additional HK$500 statement credit upon completing their first transaction within 3 months after card issuance and HK$50 statement credit for a single HK$600 Octopus top-up.
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🌟 Spend HK$8,000 to earn 8,000 miles — that’s just HK$1 per mile!
Spend a total of HK$30,000 to earn 468,000 Membership Rewards points, equivalent to 26,000 miles.
Terms and conditions apply.
Promotion valid until 10 November 2026
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Refer a friend and get a rewarded — From now until November 11, 2026, for every successful referral of a New Cardmember, to earn 108,000 Membership Rewards points as referral bonus equivalent to 6,000 miles.
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🤩 Ready to Fly Further for Less? Supercharged earning rates:
Year-Round Exclusive Offer with no minimum spending requirement! Earn HK$3=1 mile on eligible HKD transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid till 10 Nov 2026
⚡ November Exclusive Deal【🔥Earn HK$900 Cash/ Up to HK$2,600 Rewards】
From now until 30 November 2026, customers who successfully apply for sim World Mastercard®️ via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can enjoy one of the following gifts (choose 1 out of 7) 🎁 :
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$2,600)
・POLAROID Now Generation 3 i-Type Instant Camera (Value: HK$1,199, random color)
・Apple AirPods 5 (Value: HK$1,099)
・Apple HomePod mini 2 (Value: HK$1,099, random color)
・HK$1,000 Apple Store Gift Card / ParknShop e-Vouchers
・HK$900 Cash via FPS (automatically converted by 9,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
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💡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 till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
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【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
⠀⠀⠀
【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
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【🌟Effortless for Everyone: Unlimited Cashback with Every Spend】
Apply via MoneySmart by 30 November 2026, enjoy HK$500 cash back by cumulative spending HK$6,000 or above in the first 2 months; earn an extra HK$100 statement credit upon topping up your Octopus on iPhone, Apple Watch or [Newly added!] Android device for HK$300 aggregate spending in the first 3 months. Enjoy up to HK$600 cash back in total!
Reward yourself with unlimited 1.2% cashback all year-round on everyday purchases, in town and overseas - simple & friendly!
Valid till 30 Nov 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$2,100 cash rewards】
MS Exclusive: From now until 30 November 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 3,000 SmartPoints without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/ Apple/ Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,800 cash rebate (included the extra up to 2% cash rebate)
・LG PuriCare™ AeroHit Air Purifier (Pet Version) (Suggested price: HK$3,090)
・Dreame F20 Robot Vacuum (Suggested price: HK$2,999)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more reward details below
Valid till 30 Nov 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 November 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below
Valid till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
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【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfill the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
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【📣 Welcome Offer: Valued up to HK$1,800 upon card approval!】
Apply via MoneySmart by 9 November 2026 and spend up to HK$10,000 in first 3 months can earn HK$1,000 Statement Credit!
⭐️ Also enjoy HK$1=5 points within the first 3 months, can earn up to 240,000 points, equal to HK$800 statement credit! Don't miss out on the chance to earn rewards up to HK$1,800!
Valid till 09 Nov 2026
✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 November 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
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New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below
Valid till 30 Nov 2026
✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 30 November 2026, new customers who applied for a designated credit card: WeWa Visa Signature Card / WeWa Visa Platinum Card/ WeWa UnionPay Diamond Card via MoneySmart, can enjoy one of the following exclusive rewards upon successful approval - no spending required:
・3,000 SmartPoints - without any spending and redeem HK$300 worth of vouchers or products in the Rewards Store (over 20+ brand vouchers including Wellcome/ HKTVmall/Apple /Samsung etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)!
⠀⠀
New customers of PrimeCredit Credit Card can also earn extra HK$300 cash rebate, plus select one of the following welcome offers:
．All year round 10% travel cash rebate (No spending requirement)
．Nothing Headphone (a) (Suggested price：HK$1,499)
．HK$1,000 cash rebate
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Exclusive Welcome Offer for Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
⠀⠀
See more reward details below
Valid till 30 Nov 2026
⏰ Limited-Time Welcome Upgrade: New American Express Platinum Card Members Enjoy Up to HK$5,250 in Statement Credit!
From 2 November 2026 to 30 November 2026, new Card Members^ who successfully apply for the American Express Platinum Card via MoneySmart and accumulate eligible spending of HK$60,000 within the first 6 months of card approval (local or foreign currency spending both count) will receive [🚀 New Upgrade] HK$3,000 HK$2,200 Statement Credit! Top up Octopus with a single net transaction of HK$600 or above within the first 3 months to receive an additional HK$50 Statement Credit.
💡That said, complete both requirements above, and you can earn HK$3,050 in Statement Credit upfront!
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In addition, Card Members who complete any eligible spending of any amount during months 15 to 17 will receive an extra 660,000 American Express Membership Rewards points, equivalent to HK$2,200 Statement Credit or 36,666 miles.
Subject to Terms and Conditions.
Valid till 30 Nov 2026
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Credit Card Cash Back Comparison Table
Credit Card Annual Fee, Basic Rebate & Features Comparison
| Credit Card | Annual Fee | Basic Rebate | Designated Merchant / Category | Key Advantages |
|---|---|---|---|---|
| Citi Cash Back Card | HK$1,800 (Waived for the 1st year) | Dining / Foreign Currency: 2%; Other: 1% | PayMe, WeChat Pay eligible transactions | Flexible and versatile; accumulate rewards on overseas spending |
| HSBC Red Card | Permanently waived | Online shopping: 4%; Designated merchants: 8% | Designated merchants (e.g., TamJai Yunnan Mixian, TamJai SamGor, GU, Decathlon Hong Kong, Lululemon) | Occasional merchant rewards; very high online shopping rebate rate |
| Standard Chartered Simply Cash Visa Card | HK$2,000 (Waived for the 1st year) | Local currency: 1.5%; Foreign currency: 2% | All eligible spending (no designated merchants) | Unlimited cashback all year round with no minimum spending requirement |
| Mox Card (Cashback) | Permanently waived | 2% (If eligible balance reaches HK$250,000; otherwise 1%) + Supermarket 3% Unlimited | Supermarkets (DON DON DONKI, Wellcome, PARKnSHOP, HKTVmall) | Unlimited supermarket rebate with instant crediting |
| sim Credit Card | HK$800 (Waived for the 1st year, subsequent fee waivers subject to phone application approval) | Designated merchants (e.g., Matsumoto Kiyoshi HK, @cosme STORE): 3%; Other spending: 0.4% | Online shopping, transport, student offers | Up to 8% rebate on designated local public transport |
| WeWa Visa Signature | HK$1,500 (Waived for first 2 years; waived for first 5 years for full-time university/tertiary students) | General: 1.5%; Designated categories: up to 4% | Online entertainment, overseas spending, travel, mobile payment | Mobile payment combined with welcome offer yields up to 8% cash rebate |
| EarnMORE UnionPay Card | HK$800 (Waived for first 2 years; waived for first 5 years for full-time university/tertiary students) | 2% (Applies to the first HK$150,000 spending each calendar year, 1% thereafter) | Local spending, overseas spending, and online shopping | No minimum spending requirement, unlimited merchant categories, no registration needed to enjoy up to 2% cash rebate |
Latest Credit Card Cash Rebate Rates: Up to 8% Rebate on Local/Overseas Spending & Online Shopping
| Credit Card | General Local Spending | Online Shopping | Dining / Designated Merchants | Overseas / Foreign Currency Spending | Supermarket / Transport | Monthly / Bi-annual Cap | Remarks |
|---|---|---|---|---|---|---|---|
| Citi Cash Back Card | 1% Unlimited | Local online: 1%; Overseas online: 2% | Local dining / Hotels: 2% Unlimited (Excludes banquets) | 2% Unlimited | — | Automatic rebate with no cap | — |
| WeWa Visa Signature | 0.4% | Up to 4% on 1 chosen category (Mobile Payment / Travel / Overseas Foreign Currency / Online Entertainment) until Sep 30, 2026 | — | Max extra cash rebate cap is HK$200 per calendar month | Also provides concierge services and merchant privileges | ||
| EarnMORE UnionPay Card | 2% | 2% | — | 2% | — | No cap on monthly cash rebate earned | Promotion period: July 1, 2026 to June 30, 2027 |
| sim Credit Card | 0.4% | 8% (Requires monthly non-online spending threshold of $1,000) | Designated merchants: 3% | 0.4% | Local transport: 8% | Monthly overall cap: $200 (Across all categories) | Must accumulate HK$1,000 in eligible non-online retail spending within the same calendar month to enjoy cash rebate. Valid until Sep 30, 2026 |
| Mox Card (Cashback) | Become a Mox+ customer to enjoy unlimited 2% rebate on any spending | Same as general spending | Same as general spending | Same as general spending | Supermarkets: 3% Unlimited | Unlimited | — |
| Standard Chartered Simply Cash Visa Card | 1.5% Unlimited | Same as general spending (1.5% local currency / 2% foreign currency) | — | 2% Unlimited | — | Unlimited, no cap | No minimum spending requirement. A 1.95% foreign currency transaction fee applies |
| HSBC Red Card | 0.4% | 4% (First $10,000/month), 0.4% unlimited thereafter | Designated local and overseas merchants: 8% (First $1,250/month), 0.4% unlimited thereafter | Counted towards designated merchant categories | — | Designated merchants: $1,250/month; Online shopping: $10,000/month | Offer extended to December 31, 2026 |
The above credit card offers are updated as of September, 2026. Please refer to the latest announcements from each bank or card issuer for specific rebate terms and promotion periods.
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
DBS COMPASS VISA
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:
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.
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.
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
Cash Rebate
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.
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- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
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