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!
⚡【October Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 6 October 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 November 2026) can receive one of the following rewards:
🎁 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 AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 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 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
Valid till 06 Oct 2026
【🚨October Upgraded Rewards: HK$200 Cash on Approval + Enjoy Up to HK$4,088 rewards + 📱Apple iPhone Duo!】
From now to 11 October 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: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] 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!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,000 Apple Store Gift Card / 2 x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Total value: HK$2,300) / Apple AirPods 5 (Value: HK$1,099)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$1,800 Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910/90 (Valued: $3,388, random colour) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); ⭐ First 200 customers who successfully activate their cards will also have a chance to earn 🔥 Apple iPhone Duo (256GB) (Value: HK$17,499)^!
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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"MOXFLASHMS2"/"MOXFLASHMS3"/"MOXPHONEMS" invitation code promotion.^1 quota, random redemption code will be distributed by Mox.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 11 Oct 2026
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【⚡Limited-Time Welcome Offer Boost: Earn Up to $850 RewardCash + Enjoy Up to 12% Rebate on Apple Spending 🚀】
From now until 30 November 2026, new credit card customers who successfully apply for the HSBC Red Credit Card via MoneySmart using promo code “HSBCRED” during the Promotion Period and accumulate eligible spending of HK$12,000 within the first 60 calendar days after card issuance can enjoy a total of up to $650 RewardCash. Successfully apply for the “Cash Instalment Plan” to earn an additional $200 RewardCash!
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【🍎Apple Exclusive】Earn Up to an Extra $1,150 RewardCash!
From 10 September to 13 November 2026, spend with your HSBC Red Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to enjoy:
・Cumulative eligible spending of HK$5,000 or above: Enjoy an extra 6% RewardCash rebate (up to $350 RewardCash during the entire Promotion Period); and
・Successfully apply for the “Spending Instalment Plan”: Enjoy an extra 2% RewardCash rebate (up to $400 RewardCash); and
・Spend at the Apple Store Online or via the Apple Store App: Earn 4% RewardCash on online spending!
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Terms and conditions apply.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 30 Nov 2026
【Unlimited CashBack all year-round - Get welcome offer of up to HK$1,499 Rewards!🎁】
From now until 31 October 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)
・Acer Acerpure Chef Chef 2 in 1 Filp Air Fryer (KF754-7AB) (Value: HK$1,298, random color)
・HK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
Valid till 31 Oct 2026
【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $1,000 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $1,000 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)! Terms and conditions apply.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 31 Oct 2026
【Upgrade Your New Phone with MMPOWER📱 — Earn Up to HK$3,398 Rewards / HK$1,000 Vouchers by Spending HK$100!】
Planning to upgrade your phone or shop for new tech gadgets this October?From now until 16 October 2026, new and existing credit card customers who successfully apply for the Hang Seng MMPOWER World Mastercard via MoneySmart and accumulate HK$100 in eligible retail spending within 30 days after card issuance can enjoy one of the following rewards:
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🎁 New Customers can enjoy one of the rewards below:
・BERMAS Spaceship Suitcase 2nd Version (30inch) (Value: HK$3,398, random color) or
・2 x Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$2,300) or
・Apple AirPods 5 (Value: HK$1,099)
・Dyson HushJet™ Mini Cool fan (Value: HK$890, random color) or
・HK$1,000 Apple Store Gift Card / HKTVmall e-Vouchers
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✨ Existing Customers can also enjoy one of the rewards below:
・Hong Kong Plaza Premium First with Infinity Room 3-Hour Access Passes (Total Value: HK$1,150)
・HK$500 Apple Store Gift Card / HKTVmall e-Vouchers
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Together with the Hang Seng welcome offer of up to $700 and monthly rebate of up to $500, eligible customers can enjoy a total rebate value of up to $2,200 — perfect for buying a new phone, phone accessories or tech gadgets!
Valid till 16 Oct 2026
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✨Exclusive Deal Alert【PrimeCredit x MoneySmart －Welcome Offer up to HK$800 cash rebate】✨
From now until 31 October 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 31 Oct 2026
⚡【October Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 6 October 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 November 2026) can receive one of the following rewards:
🎁 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 AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 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 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
Valid till 06 Oct 2026
【🚨 9.28 - 12.31 : Earn Up to HK$1,280 RewardCash — Your #1 Card for Mainland China !🇨🇳】
From 28 September to 31 December 2026, New Credit Card Customers who successfully apply for the HSBC Pulse UnionPay Dual Currency Diamond Credit Card via MoneySmart with promo code "HSBCPULSE", and make a QR code payment of HK$50 / RMB50 or above, can earn $10 RewardCash (up to $280 in total). Together with the base welcome offer of up to $800 RewardCash, — totalling up to $1,280 RewardCash! New cardholders who successfully apply for the Cash Instalment Plan can also enjoy an extra $200 RewardCash.
1️⃣ ⚡️Limited-time welcome offer up to $1,280 RewardCash (base welcome offer up to $800 + QR payments up to $280 + Cash Instalment Plan extra $200)
2️⃣ Spend in Mainland China & Macau and earn up to 4.4% RewardCash rebate
3️⃣ Extra 3% RewardCash on eligible Mainland dining spend (register via HSBC Reward+ for a combined rebate of up to 7.4%)
4️⃣ Complimentary Lounge To-Go meal set at the Plaza Premium Lounge High Speed Rail Hong Kong West Kowloon Station during the promotion period
5️⃣ Instant discount of up to RMB500 at Qianhai Snow World (RMB150 off spend of RMB1,000+ / RMB500 off spend of RMB3,000+)
6️⃣ 🧋Enjoy Heytea and gaga drinks from half price
💡 Tip: Earn up to 4.4% RewardCash on QR and mobile payments in Mainland China and Macau. Apply now and unlock the limited-time offers!
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 31 Dec 2026
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$1,540 cash rewards】
MS Exclusive: From now until 31 October 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$1,240 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 Oct 2026
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【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $900 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $900 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)!
Terms and conditions apply.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 31 Oct 2026
⚡ October Exclusive Deal【🔥Earn HK$900 Cash/ Up to HK$1,150 Rewards】
From now until 31 October 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 6) 🎁 :
・Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$1,150)
・BRUNO BOE065 Multi Grill Pot (Value: HK$1,098)
・Kooduu SEASA PLAY MINI Dimmable LED lamp and Bluetooth speaker (Value: HK$990)
・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 31 Oct 2026
【🚨October Upgraded Rewards: HK$200 Cash on Approval + Enjoy Up to HK$4,088 rewards + 📱Apple iPhone Duo!】
From now to 11 October 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: "MOXFLASHMS2"/ "MOXFLASHMS3"/ "MOXPHONEMS", can enjoy:
1️⃣ [⚡️MoneySmart Exclusive Bonus!] 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!
💰 "MOXFLASHMS2" - Spend HK$2,000 within 30 days of approval: HK$1,000 Cash Rebate
🍎 "MOXFLASHMS3" - Spend HK$2,000 within 30 days of approval: HK$1,000 Apple Store Gift Card / 2 x Hong Kong Plaza "Premium First with Infinity" Lounge 3-hr Access Pass (Total value: HK$2,300) / Apple AirPods 5 (Value: HK$1,099)
📱 "MOXPHONEMS" - Spend HK$9,000 within 30 days of approval: HK$1,800 Apple Store Gift Card / PHILIPS RO Water Dispenser ADD6910/90 (Valued: $3,388, random colour) / LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300); ⭐ First 200 customers who successfully activate their cards will also have a chance to earn 🔥 Apple iPhone Duo (256GB) (Value: HK$17,499)^!
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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"MOXFLASHMS2"/"MOXFLASHMS3"/"MOXPHONEMS" invitation code promotion.^1 quota, random redemption code will be distributed by Mox.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 11 Oct 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 October 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:
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🎁 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
・Cambridge Audio Melomania A100 True Wireless Earphones with ANC (Value: HK$1,180, 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
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✨ 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 Oct 2026
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【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $1,450 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026, can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $1,450 RewardCash (equivalent to 29,000 miles)!
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【🍎Apple Exclusive】 From 10 September to 13 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $600 RewardCash)!
Terms and conditions apply.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 31 Oct 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$550 Rebate!】
From now until 10 October 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 October 2026
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Refer a friend and get a rewarded — 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 Oct 2026
⚡ October Exclusive Deal【🔥Earn HK$900 Cash/ Up to HK$1,150 Rewards】
From now until 31 October 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 6) 🎁 :
・Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Value: HK$1,150)
・BRUNO BOE065 Multi Grill Pot (Value: HK$1,098)
・Kooduu SEASA PLAY MINI Dimmable LED lamp and Bluetooth speaker (Value: HK$990)
・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 31 Oct 2026
【Get Rewards Worth Up to HK$650 Upon Card Approval + Up to $800 RewardCash Bank Welcome Offer + Up to 8% Rebate on Apple Spending 🚀】
From now until 31 October 2026, new and existing credit card customers who successfully apply for a designated HSBC Credit Card via MoneySmart and submit the Reward Redemption Form on or before 10 November 2026 can enjoy a MoneySmart-exclusive Trip.com 8% off hotel promo code + HK$100 flight promo code, with no spending required, plus 🎁 one of the following 3 exclusive rewards:
・3-Hour Plaza Premium Lounge Pass in Asia Pacific (Value: HK$650)
・Branden Korea Safe Plus Anti-Theft Wallet (Value: HK$305, random colour)
・Kodak Charmera Keychain Digital Camera Blind Box – Millennium Special Edition (Value: HK$268, random colour)
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🌟 Upon successful card approval and fulfilment of the designated requirements, enjoy a bank welcome offer of up to $800 RewardCash!
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【🍎Apple Exclusive】 From 10 September to 13 November 2026, spend with an HSBC Credit Card via Apple Pay at Apple Store retail stores, the Apple Store Online or Apple Store App to earn an extra 8% RewardCash rebate (up to $750 RewardCash)! Terms and conditions apply.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Valid till 31 Oct 2026
⚡【October Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 6 October 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 November 2026) can receive one of the following rewards:
🎁 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 AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 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 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
Valid till 06 Oct 2026
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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, insurance company, 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.
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.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance 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 (such as Allianz, AXA, Starr, BlueCross and more), 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.