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 54 credit cards for you!
⚡【6-Day Flash Offer ✨ Upgraded Gifts or HK$2,200 Cash Voucher! Rewards Worth Up to HK$5,200 +Trip.com Promo Codes! 🎉】
From 1 August to 6 August 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 30 September 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 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
🎁 Insta360 GO 3S Retro Bundle Special Edition (Value: HK$2,449, random color) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800
🎁 Philips Baristina Espresso Machine BAR300/00 (Value: HK$5,698) — redeem at a discounted price of HK$1,400
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 06 Aug 2026
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🔥Earn 50% Rebate! 【8.4-8.20 ONLY - Spending requirement lowered to HKD2,000, Enjoy up to HKD3,890 rewards plus free shipping!】
New customers who successfully open an account and apply for a Mox credit card using the MoneySmart referral code "MOXFLASHMS1" can enjoy:
1️⃣ Trip.com 8% Hotel Bookings Promo Code + Trip.com HK$100 Flights Promo Code or 🛍️HK$100 Buy&Ship New Member Exclusive Consolidated Shipping Cash Voucher (Fulfilled by MoneySmart);
2️⃣ 〖🔥Earn 50% Rebate for a Limited Time!〗 Spend HKD2,000 or more within 30 days of card approval to enjoy one of the following🎁 rewards:
・DELSEY SHADOW 5.0 75 CM 4 Double Wheels Expandable Trolley — Suggested Retail Price: HK$3,890
・Marshall Emberton II Portable Bluetooth Speaker — Black & Brass — Suggested Retail Price: HK$1,499
・Apple AirPods 4 — Suggested Retail Price: HK$1,099
・Wellcome HK$1,000 E-Shopping Vouchers
🚀 "Fastest-in-Town" Welcome Gift Redemption: Once fulfilled the spending requirement, you will receive a gift redemption email immediately --> Redeem your gift with same-day free delivery!
3️⃣ Deposit HKD50,000 or above into your current account within 7 days of account opening, maintain the balance for 30 days or more and have your Mox credit card approved to enjoy 💰 an additional HKD500 cash rebate!
*Subject to "MOXFLASHMS1" Invitation Code Promotion Terms and Conditions.
Valid till 20 Aug 2026
【☀️Catch the Final Wave of Summer Rewards】Spend HK$100 to Unlock HK$1,000 Vouchers or Travel Rewards Worth Up to HK$3,700!
Make the most of the final weeks of summer. From now until 31 August 2026, new and existing credit card customers who successfully apply for Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate eligible retail spending of HK$100 within 30 days after card issuance can choose 1 exclusive reward — perfect for online travel bookings, shopping for travel gear, or upgrading your airport experience.
🎁 New Customers can enjoy one of the rewards below:
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers or
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700, random color) or
・4 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total Value: HK$2,600) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
*Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD and more. HKG bonus: choose lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
✨ Existing Customers can also enjoy one of the rewards below:
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers or
・2 x Plaza Premium Lounge 3-Hour Passes* (Total Value: HK$1,300)
Valid till 31 Aug 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 August 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 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall 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:
．LOJEL Vita 28" Luggage (Suggested price: HK$1,700)
．HK$800 Apple Store Gift Card
．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 31 Aug 2026
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During the Promotion Period, New Credit Card Customers who successfully apply for HSBC Red Credit Card, and make a respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $300 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!
Valid till 28 Feb 2027
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【🌟August Exclusive: Apply to Earn HK$800 Cash Vouchers】
From now until 31 August 2026, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to enjoy one of the following extra gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
Valid till 31 Aug 2026
【Unlimited CashBack all year-round - Get welcome offer of up to HK$1,499 Rewards!🎁】
From now until 31 August 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, will get one of the following gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
・SONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
・PHILIPS ADD4902BK Soda Maker 1200W (Value: HK$1,288, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
Valid till 31 Aug 2026
【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Welcome Offer Up to $1,000 RewardCash】
🌟From now until 31 August 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks🌟 Enjoy bank welcome offer up to $1,000 RewardCash
Valid till 31 Aug 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 August 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 in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
⠀⠀
New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$1,240 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 31 Aug 2026
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【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 31 August 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks🌟 Enjoy bank welcome offer up to $900 RewardCash
Valid till 31 Aug 2026
From now until 31 August 2026, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart, can enjoy an extra 5,000 SmartPoints and free to redeem HK$500 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
Valid till 31 Aug 2026
【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Welcome Offer Up to $1,000 RewardCash】
🌟From now until 31 August 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks🌟 Enjoy bank welcome offer up to $1,000 RewardCash
Valid till 31 Aug 2026
⚡【6-Day Flash Offer ✨ Upgraded Gifts or HK$2,200 Cash Voucher! Rewards Worth Up to HK$5,200 +Trip.com Promo Codes! 🎉】
From 1 August to 6 August 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 30 September 2026) can receive one of the following rewards:
✈️ 8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200) or
✈️ 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
🎁 Insta360 GO 3S Retro Bundle Special Edition (Value: HK$2,449, random color) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800
🎁 Philips Baristina Espresso Machine BAR300/00 (Value: HK$5,698) — redeem at a discounted price of HK$1,400
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 06 Aug 2026
【😍 August Special: Spend HK$100, Get HK$600+ Rewards or Travel Essentials! 🏝️】
From now until 31 August 2026, customers who successfully apply for Hang Seng Travel+ Visa Signature Card via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can 🌟choose 1 from the following gifts :
🎁 New Customers can enjoy one of the rewards below:
・2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300) or
・BRUNO Worldwide Portable Clothes Dryer BAK817 + BRUNO Multi Travel Pot (110V/220V) BAK810 (Value: HK$796, random color) or
・HK$600 Apple Store Gift Card / HKTVmall e-Vouchers⠀⠀
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas)
🎁 Existing Customers can also enjoy one of the rewards below:
・HK$300 Apple Store Gift Card / HKTVmall e-Vouchers or
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
Valid till 31 Aug 2026
【Get Your Daily yuu Boost with enJoy】Apply and Get up to HK$2,600 rewards 🎁 or HK$900 vouchers!
From now until 31 August 2026, customers who successfully apply for Hang Seng enJoy Card via MoneySmart and accumulate HK$100 in eligible retail transactions within 30 days after card issuance , can 🌟choose 1 from the following gifts:
🎁 New Customers can enjoy one of the rewards below:
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
・OSIM uVizion Air 2 (Value: HK$1,680, random color) or
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298, random color) or
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) (Limited to 50 quotas) or
・HK$900 Apple Store Gift Card / Maxim's Gift e-Coupons
⠀⠀
✨ Existing Customers can also enjoy one of the rewards below:
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650) or
・HK$400 Apple Store Gift Card / Maxim's Gift e-Coupons
Valid till 31 Aug 2026
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【Earn Trip.com promo codes & Up to HK$650 rewards at ZERO Cost + Welcome Offer Up to $1,450 RewardCash】
🌟From now until 31 August 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 August 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$650)
・Branden Safe Plus Wallet Bag (Value: HK$305, random color)
・Kodak Charmera Keychain Digital Camera Blind Box (Millennium Edition) (Value: HK$268, random color)
⠀⠀
Successfully apply for the card and complete designated tasks🌟 Enjoy bank welcome offer up to $1,450 RewardCash
Valid till 31 Aug 2026
From now until 31 August 2026, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart, can enjoy an extra 5,000 SmartPoints and free to redeem HK$500 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
Valid till 31 Aug 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$500 Rebate!】
From now until 10 August 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.
🌟 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 August 2026
🤩 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 local transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid till 31 Dec 2026
From now until 31 August 2026, customers who successfully apply for DBS Compass Visa via MoneySmart, can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
Valid till 31 Aug 2026
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 Card | Cash back rate | BEST FOR |
|---|---|---|
| Cash Back Credit CardDBS LIVE FRESH | Cash back rate6% | BEST FORFrequent online shoppers |
| Cash Back Credit CardStandard Chartered Smart Card | Cash back rate5% | BEST FORFrequent buyer at Parknshop and Watsons |
| Cash Back Credit CardWeWa UnionPay Card | Cash back rate4% | BEST FORCash rebate seekers on lifestyle and entertainment usage |
| Cash Back Credit CardCiti Cash Back Cardt | Cash back rate2% | BEST FORFrequent travellers or staycation lovers |
| Cash Back Credit CardHang Seng enJoy Card | Cash back rate2％ | BEST FORPeople who frequently shop on enJoy card designated merchant including 7-Eleven, IKEA, Mannings etc. |
| Cash Back Credit CardAmerican Express Explorer™ Credit Card | Cash back rate2% | BEST FORFrequent travellers or staycation lovers |
| Cash Back Credit CardStandard Chartered Simply Cash Visa Card | Cash back rate1.5% | BEST FORFrequent 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
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.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- 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, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.