Best Cashback Credit Cards in Hong Kong 2020

Cashback cards offer an easy way to earn rewards on spend, all without having to worry about points tracking and conversion fees. We've identified and compared the best rebate credit cards in Hong Kong so you can find the best match for you.

Best Overall Cashback Cards
Best High Income Cashback Cards
Best Online & Shopping Cashback Cards
Best Dining & Entertainment Cashback Cards

Compare Best Cashback Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best cashback credit cards compare to one another in terms of their rewards
Best Cashback Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Overall Cashback Cards Best High Income Cashback Cards Best for Online & Shopping Best for Dining & Entertainment

Compare Best Cashback Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best cashback credit cards compare to one another in terms of their rewards
Best Cashback Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best Overall Cashback Credit Cards

These are the overall best options for most consumers seeking cashback.

Standard Chartered Simply Cash Visa Card: Accessible, Limitless Cashback

  • Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Consumers that want unlimited rebates on every purchase, but are tired of hitting caps or facing hard to meet income requirements, should consider the Standard Chartered Simply Cash Visa Card. Cardholders earn an uncapped 2% cash back on foreign currency spend and 1.5% cash back on spend in HKD, allowing them to earn potentially unlimited rebates on every purchase.


Even better, most consumers can qualify for SC Simply Cash Visa Card as its minimum annual income requirement is just HK$96k, well below the HK$150k which many cashback cards require. Consumers with Bonus Payroll, Priority or Premium Banking Standard Chartered accounts can also enjoy waived annual fees, making the card even more accessible. Overall, SC Simply Cash Visa Card offers the average consumer an easy, straightforward way to maximise cashback without having to worry about rebate caps.

  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers
  • Stand-Out: Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Consumers that want unlimited rebates on every purchase, but are tired of hitting caps or facing hard to meet income requirements, should consider the Standard Chartered Simply Cash Visa Card. Cardholders earn an uncapped 2% cash back on foreign currency spend and 1.5% cash back on spend in HKD, allowing them to earn potentially unlimited rebates on every purchase.


Even better, most consumers can qualify for SC Simply Cash Visa Card as its minimum annual income requirement is just HK$96k, well below the HK$150k which many cashback cards require. Consumers with Bonus Payroll, Priority or Premium Banking Standard Chartered accounts can also enjoy waived annual fees, making the card even more accessible.

Overall, SC Simply Cash Visa Card offers the average consumer an easy, straightforward way to maximise cashback without having to worry about rebate caps.

  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers

Citi Cash Back Card: Uncapped Rebates & Secure Purchases

  • 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
Citi Cash Back Card offers unlimited cash back and peace of mind with every purchase. Cardholders earn a 2% cash rebate on dining, hotel and foreign currency spend, and 1% on other retail, all with no cap. This means cardholders earn one of the highest unlimited rates for all dining spend, which makes up a significant portion of the average consumer’s budget, while also earning at local rates far above the 0.40% market standard.


Cardholders also receive Purchase Protection against loss or damage of up to US$7,600 (~HK$59k) for up to 30 days on any purchase made with Citi Cash Back Card. This feature allows consumers to enjoy extra security while earning cashback on their next shopping spree.

Altogether, with an unlimited rewards structure and protection for every purchase, Citi Cash Back Card offers consumers the opportunity to safely enjoy high rebates proportionate to their spend.

  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k
  • Stand-Out: 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
Citi Cash Back Card offers unlimited cash back and peace of mind with every purchase. Cardholders earn a 2% cash rebate on dining, hotel and foreign currency spend, and 1% on other retail, all with no cap. This means cardholders earn one of the highest unlimited rates for all dining spend, which makes up a significant portion of the average consumer’s budget, while also earning at local rates far above the 0.40% market standard.


Cardholders also receive Purchase Protection against loss or damage of up to US$7,600 (~HK$59k) for up to 30 days on any purchase made with Citi Cash Back Card. This feature allows consumers to enjoy extra security while earning cashback on their next shopping spree. Altogether, with an unlimited rewards structure and protection for every purchase, Citi Cash Back Card offers consumers the opportunity to safely enjoy high rebates proportionate to their spend.

  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k

Hang Seng MPOWER Card: No-Fee Rebates for Online & Mobile Pay

  • 5% cashback for online, overseas & mobile payments
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo, OR:
  • Receive 8 MCL Cinemas movie tickets w/ HK$5k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Hang Seng MPOWER Card provides a no-fee opportunity for modern consumers who are comfortable with mobile pay to earn rebates on nearly every purchase. Cardholders earn a stunning 5% Cash Dollars rebate on all dining, fashion and entertainment transactions made with mobile pay, as well as on online and overseas purchases of HK$300 or more. Cash Dollars are redeemed automatically to offset spend with over 7,400 vendors. Although consumers must spend at least HK$3k per month in order to earn these high rates, that amount is surpassed by dining spend alone for most consumers.


Cardholders pay no annual fees which makes Hang Seng MPOWER affordable for every consumer. If this wasn't enough, cardholders also gain access to a wide array of entertainment perks. Ultimately, with Hang Seng MPOWER, modern spenders can make the most of their overseas and contactless payments without ever having to worry about additional costs.

  • Annual fee: Free
  • 5% Cash Dollars rebate for mobile spend on local dining, fashion & entertainment (w/ HK$3k spend/mo)
  • 5% Cash Dollars rebate on online & overseas transactions of HK$300+ (w/ HK$3k spend/mo)
  • 0.4% Cash Dollars rebate on general spend
  • Up to 8 free movie tickets/year, free popcorn & more at MCL Cinemas
  • Stand-Out: 5% cashback for online, overseas & mobile payments
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo, OR:
  • Receive 8 MCL Cinemas movie tickets w/ HK$5k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Hang Seng MPOWER Card provides a no-fee opportunity for modern consumers who are comfortable with mobile pay to earn rebates on nearly every purchase. Cardholders earn a stunning 5% Cash Dollars rebate on all dining, fashion and entertainment transactions made with mobile pay, as well as on online and overseas purchases of HK$300 or more. Cash Dollars are redeemed automatically to offset spend with over 7,400 vendors. Although consumers must spend at least HK$3k per month in order to earn these high rates, that amount is surpassed by dining spend alone for most consumers.


Cardholders pay no annual fees which makes Hang Seng MPOWER affordable for every consumer. If this wasn't enough, cardholders also gain access to a wide array of entertainment perks. Ultimately, with Hang Seng MPOWER, modern spenders can make the most of their overseas and contactless payments without ever having to worry about additional costs.

  • Annual fee: Free
  • 5% Cash Dollars rebate for mobile spend on local dining, fashion & entertainment (w/ HK$3k spend/mo)
  • 5% Cash Dollars rebate on online & overseas transactions of HK$300+ (w/ HK$3k spend/mo)
  • 0.4% Cash Dollars rebate on general spend
  • Up to 8 free movie tickets/year, free popcorn & more at MCL Cinemas

EarnMORE UnionPay Diamond Card: Highest Flat Rebate Rate

  • Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Panasonic Air Freshener w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive OTO Neck Loose Massager w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
EarnMORE UnionPay Diamond Card provides consumers with the highest flat cashback rate on the market, in addition to a variety of travel perks. Cardholders earn 2% cash back on their local, online & overseas spend, which encompasses all retail, both in HKD and foreign currency. Although rebates are capped at HK$2k a year (approximately HK$166.67/month), this total is still quite impressive compared to most market competitors.


Finally, cardholders also receive up to 3 free lounge visits per year (with HK$12k spend in the prior month) and discounted limo rides in Hong Kong and China. Foreign exchange fees are waived, as is the HK$800 annual fee for the 1st 2 years. Overall, EarnMORE UnionPay Dual Currency Diamond is ideal for people seeking high flat rebate rates, plus travel perks.

  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas & online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 free lounge visits/yr
  • Stand-Out: Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Panasonic Air Freshener w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive OTO Neck Loose Massager w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
EarnMORE UnionPay Diamond Card provides consumers with the highest flat cashback rate on the market, in addition to a variety of travel perks. Cardholders earn 2% cash back on their local, online & overseas spend, which encompasses all retail, both in HKD and foreign currency. Although rebates are capped at HK$2k a year (approximately HK$166.67/month), this total is still quite impressive compared to most market competitors.


Finally, cardholders also receive up to 3 free lounge visits per year (with HK$12k spend in the prior month) and discounted limo rides in Hong Kong and China. Foreign exchange fees are waived, as is the HK$800 annual fee for the 1st 2 years. Overall, EarnMORE UnionPay Dual Currency Diamond is ideal for people seeking high flat rebate rates, plus travel perks.

  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas & online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 free lounge visits/yr

ICBC Horoscope UnionPay Dual Currency Diamond Card: Highest Unltd Flat Rate

  • Unltd. 1.5% flat cashback & free lounge access
  • Promotions: With joint application for ICBC Horoscope Visa Signature Card, receive HK$300 free spending limit w/ HK$1.5k spend with each card in 1st 2mo, OR:
  • Receive Starry Luggage w/ HK$1.5k spend w/ each card in 1st 2mo
  • Receive HK$50 free spending limit for each card w/ online application
  • Read Our Full Review
ICBC Horoscope UnionPay Dual Currency Diamond Card offers consumers the highest flat, unlimited cashback rate available on the market. Consumers earn an uncapped 1.5% cash back on all their online, overseas, and local spend. Although this isn’t the highest flat rebate in itself, high spenders can earn more cash back over time than with most flat rate cards thanks to the lack of a rewards cap.


In terms of travel perks, cardholders enjoy separate billing for their HKD and RMB spend and waived foreign transaction fees. Even better, frequent travellers can also enjoy discounted limo services and up to 3 free lounge visits per year (with HK$12k spend across the previous 2 months).

ICBC Horoscope UnionPay Dual Currency Diamond Card provides high spending consumers the opportunity to enjoy luxury perks and earn high flat cashback rates without being hindered by rewards caps.

  • Annual fee: HK$1k
  • 1.5% cashback on local, overseas & online spend
  • Discounted limousine transfers & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Stand-Out: Unltd. 1.5% flat cashback & free lounge access
  • Promotions: With joint application for ICBC Horoscope Visa Signature Card, receive HK$300 free spending limit w/ HK$1.5k spend with each card in 1st 2mo, OR:
  • Receive Starry Luggage w/ HK$1.5k spend w/ each card in 1st 2mo
  • Receive HK$50 free spending limit for each card w/ online application
  • Read Our Full Review
ICBC Horoscope UnionPay Dual Currency Diamond Card offers consumers the highest flat, unlimited cashback rate available on the market. Consumers earn an uncapped 1.5% cash back on all their online, overseas, and local spend. Although this isn’t the highest flat rebate in itself, high spenders can earn more cash back over time than with most flat rate cards thanks to the lack of a rewards cap.


In terms of travel perks, cardholders enjoy separate billing for their HKD and RMB spend and waived foreign transaction fees. Even better, frequent travellers can also enjoy discounted limo services and up to 3 free lounge visits per year (with HK$12k spend across the previous 2 months).

ICBC Horoscope UnionPay Dual Currency Diamond Card provides high spending consumers the opportunity to enjoy luxury perks and earn high flat cashback rates without being hindered by rewards caps.

  • Annual fee: HK$1k
  • 1.5% cashback on local, overseas & online spend
  • Discounted limousine transfers & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived

Best High Income Cashback Cards

Wealthier consumers who want top rebates should consider the following cards.

HSBC Visa Signature Card: Custom Cashback & Lounge Access

  • 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Visa Signature Card is great for high-earners seeking cash back rates tailored to how they spend. Cardholders earn 1.6% cashback across select categories (overseas, spend in mainland China and Macau, dining, entertainment, lifestyle & home), as well as a bonus +2% rebate which can be allocated across these categories.


On top of this, overseas and online spend earn an additional +2% with spend of at least HK$3k per quarter. This rewards structure, unique to HSBC, allows consumers to tailor the card directly to their habits. Frequent travellers, for example, can fully allocate their bonus to the overseas category and earn up to a remarkable 5.6%.

Cardholders can enjoy 1 free lounge visit a month by making a single transaction of HK$1.5k or above. This means that consumers can enjoy up to 12 free lounge visits every year, much more than the max of 3 visits that most luxury cards provide. Since consumers must meet a minimum annual income requirement of HK$360k to qualify (or have investible assets of HK$400k or above), HSBC Visa Signature is only accessible to wealthier individuals. Nonetheless, such affluent consumers can truly maximise rewards according to their spending habits with HSBC Visa Signature.

  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers
  • Stand-Out: 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Visa Signature Card is great for high-earners seeking cash back rates tailored to how they spend. Cardholders earn 1.6% cashback across select categories (overseas, spend in mainland China and Macau, dining, entertainment, lifestyle & home), as well as a bonus +2% rebate which can be allocated across these categories.


On top of this, overseas and online spend earn an additional +2% with spend of at least HK$3k per quarter. This rewards structure, unique to HSBC, allows consumers to tailor the card directly to their habits. Frequent travellers, for example, can fully allocate their bonus to the overseas category and earn up to a remarkable 5.6%.

On top of this, cardholders can enjoy 1 free lounge visit a month by making a single transaction of HK$1.5k or above. This means that consumers can enjoy up to 12 free lounge visits every year, much more than the max of 3 visits that most luxury cards provide. Since consumers must meet a minimum annual income requirement of HK$360k to qualify (or have investible assets of HK$400k or above), HSBC Visa Signature is only accessible to wealthier individuals. Nonetheless, such affluent consumers can truly maximise rewards according to their spending habits with HSBC Visa Signature.

  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers

DBS Eminent Visa Signature Card: Unlimited Cashback & Free Limo Transfers

  • Unltd. 2% overseas cashback + free limo transfers
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
  • Read Our Full Review
Wealthier consumers, especially those loyal to DBS, should strongly consider the DBS Eminent Visa Signature Card. Cardholders earn an unlimited 2% rebate on foreign currency spend–amongst the highest unlimited rates for this category–and 1% on local retail. The notable lack of a rewards cap allows consumers to earn rebates proportionate to their spend, a significant advantage compared to competing cashback cards.


On top of these generous rates, DBS Treasures Private Clients enjoy up to 3 free limo transfers in Hong Kong per quarter, given they spend at least HK$100k in that quarter. This limo offering is far more generous than that offered by competing luxury cards, which at most provide a discounted flat rate, rather than a free ride.

As the minimum annual income requirement is HK$360k, DBS Eminent Visa Signature Card is only accessible to wealthy consumers. Ultimately, DBS Eminent Visa Signature is perfect for DBS loyalists who want unlimited cashback and the best limo transfer perk.

  • Annual fee: HK$2k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • 3 free limo transfers per qtr w/ HK$100k spend/qtr (DBS Treasures Private Clients only)
  • E-commerce and Fraudulent Transaction protections
  • Stand-Out: Unltd. 2% overseas cashback + free limo transfers
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
  • Read Our Full Review
Wealthier consumers, especially those loyal to DBS, should strongly consider the DBS Eminent Visa Signature Card. Cardholders earn an unlimited 2% rebate on foreign currency spend–amongst the highest unlimited rates for this category–and 1% on local retail. The notable lack of a rewards cap allows consumers to earn rebates proportionate to their spend, a significant advantage compared to competing cashback cards.


On top of these generous rates, DBS Treasures Private Clients enjoy up to 3 free limo transfers in Hong Kong per quarter, given they spend at least HK$100k in that quarter. This limo offering is far more generous than that offered by competing luxury cards, which at most provide a discounted flat rate, rather than a free ride.

As the minimum annual income requirement is HK$360k, DBS Eminent Visa Signature Card is only accessible to wealthy consumers. Ultimately, DBS Eminent Visa Signature is perfect for DBS loyalists who want unlimited cashback and the best limo transfer perk.

  • Annual fee: HK$2k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • 3 free limo transfers per qtr w/ HK$100k spend/qtr (DBS Treasures Private Clients only)
  • E-commerce and Fraudulent Transaction protections

Best Online & Shopping Cashback Cards

These cards are great for people looking for impressive rebates on their next shopping spree.

HSBC Red Credit Card: No-Fee Rebates for Online & Supermarket Spend

  • Up to 4% online & 2% supermarket spend w/ no caps
  • Promotions: Receive HK$700 cashback w/ HK$6k min. spend in 1st 2mo
  • Up to 11% off worldwide bookings w/ Hotels.com
  • Receive HKD20 off your orders at Deliveroo
  • Read Our Full Review
HSBC Red Credit Card provides consumers an opportunity to earn high rebate rates on their online and supermarket spend, all without worrying about an annual fee. Cardholders earn a considerable 4% cashback on online spend, 2% on groceries and 1% on other local and overseas purchases. Since these rates are uncapped, shoppers can easily maximise rewards without running into frustrating limits.


Frequent shoppers can also enjoy HSBC Year Round Offers like discounts on Adidas, Chow Tai Fook and Bose, plus additional card-specific discounts on Deliveroo orders & more. Finally, since there's no annual fee, HSBC Red offers a truly maintenance-free opportunity for consumers to earn the highest uncapped online rebate rate.

  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers
  • Stand-Out: Up to 4% online & 2% supermarket spend w/ no caps
  • Promotions: Receive HK$700 cashback w/ HK$6k min. spend in 1st 2mo
  • Up to 11% off worldwide bookings w/ Hotels.com
  • Receive HKD20 off your orders at Deliveroo
  • Read Our Full Review
HSBC Red Credit Card provides consumers an opportunity to earn high rebate rates on their online and supermarket spend, all without worrying about an annual fee. Cardholders earn a considerable 4% cashback on online spend, 2% on groceries and 1% on other local and overseas purchases. Since these rates are uncapped, shoppers can easily maximise rewards without running into frustrating limits.


Frequent shoppers can also enjoy HSBC Year Round Offers like discounts on Adidas, Chow Tai Fook and Bose, plus additional card-specific discounts on Deliveroo orders & more. Finally, since there's no annual fee, HSBC Red offers a truly maintenance-free opportunity for consumers to earn the highest uncapped online rebate rate.

  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers

BEA i-Titanium Card: Highest Online Cashback Rate & 0% Instal Plan

  • Competitive 3.4% rebate on online spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Receive HK$300 Deliveroo Cash Coupon w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Read Our Full Review
BEA i-Titanium Card provides online shoppers with an accessible way to earn top cashback on their purchases. Cardholders earn 3.4% cash back on their online purchases–one of the highest rebates on the market–plus 0.4% cashback on all other purchases. The boosted online rate does have a HK$1.8k minimum monthly spend requirement, but this is a manageable amount of spending for most consumers. Online cashback is capped at HK$200 per month, although consumers would need to spend over HK$6k per month online to max this out.


Cardholders also enjoy convenient perks including BEA Year-Round Offers and access to 0% interest instalment plans. What's more, BEA i-Titanium has a minimum income requirement of only HK$40k, and its already low HK$600 annual fee is waived for consumers with select BEA accounts (Mandatory Provident Fund, deposit, consumer & mortgage loan). Overall, BEA i-Titanium offers consumers an accessible and affordable way to maximise cashback on their next online shopping spree.

  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases
  • Stand-Out: Competitive 3.4% rebate on online spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Receive HK$300 Deliveroo Cash Coupon w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Read Our Full Review
BEA i-Titanium Card provides online shoppers with an accessible way to earn top cashback on their purchases. Cardholders earn 3.4% cash back on their online purchases–one of the highest rebates on the market–plus 0.4% cashback on all other purchases. The boosted online rate does have a HK$1.8k minimum monthly spend requirement, but this is a manageable amount of spending for most consumers. Online cashback is capped at HK$200 per month, although consumers would need to spend over HK$6k per month online to max this out.


Cardholders also enjoy convenient perks including BEA Year-Round Offers and access to 0% interest instalment plans. What's more, BEA i-Titanium has a minimum income requirement of only HK$40k, and its already low HK$600 annual fee is waived for consumers with select BEA accounts (Mandatory Provident Fund, deposit, consumer & mortgage loan). Overall, BEA i-Titanium offers consumers an accessible and affordable way to maximise cashback on their next online shopping spree.

  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases

DBS COMPASS Visa: Rebates with Popular Local Merchants

  • 3% rebate w/ Taobao & Tmall, 1% other popular merchants
  • Promotions: HK$400 PARKnSHOP/Watsons InstaRedeem w/ HK4.8k spend in 1st 3mo, OR:
  • HK$300 all merchants InstaRedeem w/ HK$4.8k spend in 1st 3mo, OR:
  • Dyson Supersonic styler Complete (redemption fee HK$3.48k) w/ HK$4.8k spend in 1st 3mo, OR:
  • Le Maurice suitcase w/ HK$6.8k spend in 1st 3mo, OR:
  • 6 MCL Movie Ticket Vouchers
  • Read Our Full Review
DBS COMPASS Visa Card provides consumers with heightened rebates with a wide variety of popular merchants in Hong Kong. Cardholders earn 3% COMPASS Dollar rebates on online spend with Taobao and Tmall, a 1% COMPASS Dollar rebate with popular retailers like ParknShop, Watsons & Fortress, and 0.4% COMPASS Dollar rebates on general spend. COMPASS Dollars can be redeemed instantly with spend at most of the merchants eligible for elevated rebate rates, or redeemed for Asia Miles.


Consumers can also enjoy shopping and fraud protection guarantees for their online purchases, as well as 0% interest instalment plans offered by DBS–perfect for managing payments for larger transactions over time. DBS COMPASS Visa is also relatively accessible, with a minimum annual income requirement of just HK$100k, compared to the HK$150k+ many cashback cards require. Overall, consumers who frequently shop with popular retail and online merchants in Hong Kong should consider DBS COMPASS Visa.

  • Annual fee: HK$1.8k
  • 3% COMPASS Dollars rebate on Taobao & Tmall online spend
  • 1% COMPASS Dollars rebate w/ select merchants like Watsons, PARKnSHOP & more
  • 0.4% COMPASS Dollars rebate on general spend
  • 0% interest instalment plan
  • Stand-Out: 3% rebate w/ Taobao & Tmall, 1% other popular merchants
  • Promotions: HK$400 PARKnSHOP/Watsons InstaRedeem w/ HK4.8k spend in 1st 3mo, OR:
  • HK$300 all merchants InstaRedeem w/ HK$4.8k spend in 1st 3mo, OR:
  • Dyson Supersonic styler Complete (redemption fee HK$3.48k) w/ HK$4.8k spend in 1st 3mo, OR:
  • Le Maurice suitcase w/ HK$6.8k spend in 1st 3mo, OR:
  • 6 MCL Movie Ticket Vouchers
  • Read Our Full Review
DBS COMPASS Visa Card provides consumers with heightened rebates with a wide variety of popular merchants in Hong Kong. Cardholders earn 3% COMPASS Dollar rebates on online spend with Taobao and Tmall, a 1% COMPASS Dollar rebate with popular retailers like ParknShop, Watsons & Fortress, and 0.4% COMPASS Dollar rebates on general spend. COMPASS Dollars can be redeemed instantly with spend at most of the merchants eligible for elevated rebate rates, or redeemed for Asia Miles.


Consumers can also enjoy shopping and fraud protection guarantees for their online purchases, as well as 0% interest instalment plans offered by DBS–perfect for managing payments for larger transactions over time. DBS COMPASS Visa is also relatively accessible, with a minimum annual income requirement of just HK$100k, compared to the HK$150k+ many cashback cards require. Overall, consumers who frequently shop with popular retail and online merchants in Hong Kong should consider DBS COMPASS Visa.

  • Annual fee: HK$1.8k
  • 3% COMPASS Dollars rebate on Taobao & Tmall online spend
  • 1% COMPASS Dollars rebate w/ select merchants like Watsons, PARKnSHOP & more
  • 0.4% COMPASS Dollars rebate on general spend
  • 0% interest instalment plan

Citi Clear Card: Online Shopping Rebates for Foreign Brands

Citi Clear Card is great for frequent online shoppers who primarily buy from overseas brands. Cardholders earn 2% cashback for online foreign currency spend and 0.4% cashback on all other retail. In addition, cardholders enjoy Citi World Privileges which include discounts on shopping for select fashion, home goods and more.


Citi Clear Card is also both incredibly accessible and affordable. Cardholders must have a minimum annual income of just HK$60k, which is far lower than that required by most credit cards. Even better, the annual fee is just HK$300. Ultimately, Citi Clear Card is great for consumers seeking affordable cash back on their online shopping sprees for their favourite overseas brands.

  • Annual fee: HK$300
  • 2% cashback on online spend made in a foreign currency
  • 0.4% cashback on all other spend
  • Citi World Privileges
Citi Clear Card is great for frequent online shoppers who primarily buy from overseas brands. Cardholders earn 2% cashback for online foreign currency spend and 0.4% cashback on all other retail. In addition, cardholders enjoy Citi World Privileges which include discounts on shopping for select fashion, home goods and more.


Citi Clear Card is also both incredibly accessible and affordable. Cardholders must have a minimum annual income of just HK$60k, which is far lower than that required by most credit cards. Even better, the annual fee is just HK$300. Ultimately, Citi Clear Card is great for consumers seeking affordable cash back on their online shopping sprees for their favourite overseas brands.

  • Annual fee: HK$300
  • 2% cashback on online spend made in a foreign currency
  • 0.4% cashback on all other spend
  • Citi World Privileges

American Express I.T Cashback Card: I.T Store Boost & Everyday Cashback

  • 2% cashback at I.T & exclusive store discounts
  • Promotions: Receive HK$500 I.T gift certificate w/ HK$4k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Fans of I.T should strongly consider the American Express I.T Cashback Card. Cardholders earn 2% cashback on spend with I.T Stores, and 1.2% cashback everywhere else. Not only do frequent I.T Store patrons receive a boost for spend with their favorite fashion retailer, they'll also earn a base rate that's still quite competitive compared to other cash back cards.


In terms of perks, cardholders receive up to 15% discounts on regular priced items in I.T store and other select items. Consumers can also shop more securely with online fraud protection guarantees and 45 Days Cover personal property insurance against loss or damages of up to HK$30k. Overall, American Express I.T Cashback Card is great for consumers who frequently find themselves shopping at I.T but also want above-average everyday cashback.

  • Annual fee: HK$980, 1st yr waiver, waived w/ HK$25k spend/yr
  • 2% cashback on spend with I.T stores
  • 1.2% cashback on general spend
  • Year-round I.T and American Express Selects Privileges
  • Stand-Out: 2% cashback at I.T & exclusive store discounts
  • Promotions: Receive HK$500 I.T gift certificate w/ HK$4k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Fans of I.T should strongly consider the American Express I.T Cashback Card. Cardholders earn 2% cashback on spend with I.T Stores, and 1.2% cashback everywhere else. Not only do frequent I.T Store patrons receive a boost for spend with their favorite fashion retailer, they'll also earn a base rate that's still quite competitive compared to other cash back cards.


In terms of perks, cardholders receive up to 15% discounts on regular priced items in I.T store and other select items. Consumers can also shop more securely with online fraud protection guarantees and 45 Days Cover personal property insurance against loss or damages of up to HK$30k. Overall, American Express I.T Cashback Card is great for consumers who frequently find themselves shopping at I.T but also want above-average everyday cashback.

  • Annual fee: HK$980, 1st yr waiver, waived w/ HK$25k spend/yr
  • 2% cashback on spend with I.T stores
  • 1.2% cashback on general spend
  • Year-round I.T and American Express Selects Privileges

BlueCash Credit Card from American Express: Straightforward Cashback with 0% Instal Plan

  • High 1.2% flat rebate + 0% interest instalment plan
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
BlueCash Credit Card from American Express is great for consumers looking to earn cashback on every transaction and who prefer to pay for larger transactions over time. Cardholders earn a 1.2% flat rebate on local, online and overseas purchases.


While this rate is certainly respectable, big-spenders can potentially benefit even more from the card's 0% interest instalment plan. With this plan, cardholders can split larger transactions into smaller payments, which they can then pay off over time. Although the list of merchants eligible for this interest-free plan is limited, the selection is still quite extensive.

Finally, cardholders can also enjoy guaranteed protection against online fraud and property insurance of up to HK$30k for up to 45 days on any purchase. Overall, consumers looking to spread out larger purchases and earn easy rebates on everyday spend should strongly consider the BlueCash Credit Card from American Express.

  • Annual fee: HK$980, 1st yr waiver, subsequently w/ HK$25k annual spend
  • 1.2% cashback on general spend
  • 0% interest instalment plans available w/ select merchants
  • Online Fraud Protection Guarantee
  • 45 Days Cover personal property insurance (up to HK$30k)
  • Stand-Out: High 1.2% flat rebate + 0% interest instalment plan
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review

BlueCash Credit Card from American Express is great for consumers looking to earn cashback on every transaction and who prefer to pay for larger transactions over time. Cardholders earn a 1.2% flat rebate on local, online and overseas purchases.


While this rate is certainly respectable, big-spenders can potentially benefit even more from the card's 0% interest instalment plan. With this plan, cardholders can split larger transactions into smaller payments, which they can then pay off over time. Although the list of merchants eligible for this interest-free plan is limited, the selection is still quite extensive.

Finally, cardholders can also enjoy guaranteed protection against online fraud and property insurance of up to HK$30k for up to 45 days on any purchase. Overall, consumers looking to spread out larger purchases and earn easy rebates on everyday spend should strongly consider the BlueCash Credit Card from American Express.

  • Annual fee: HK$980, 1st yr waiver, subsequently w/ HK$25k annual spend
  • 1.2% cashback on general spend
  • 0% interest instalment plans available w/ select merchants
  • Online Fraud Protection Guarantee
  • 45 Days Cover personal property insurance (up to HK$30k)

Best Dining & Entertainment Cashback Cards

Social spenders looking for top cashback should consider the below.

BEA Visa Signature Card: Highest Dining Cashback Rate

  • 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
BEA Visa Signature Card is a great option for foodies as it offers one of the best dining rebates on the market. Cardholders earn 2.4% cashback dining out, 1.6% overseas and 0.4% on general spend. Earning this boosted rate in dining is particularly impactful since it's a high spend category for many people. Consumers can also save up to 20% at local restaurants with the card's Visa Signature and BEA Year-Round Offers discounts.


BEA Visa Signature does have a slightly high HK$1.8k annual fee, although this is waived with select Mandatory Provident Fund, deposit, consumer or mortgage loan BEA accounts. Altogether, BEA Visa Signature provides consumers with the opportunity to earn one of the highest rewards rates on their dining spend.

  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend
  • Stand-Out: 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
BEA Visa Signature Card is a great option for foodies as it offers one of the best dining rebates on the market. Cardholders earn 2.4% cashback dining out, 1.6% overseas and 0.4% on general spend. Earning this boosted rate in dining is particularly impactful since it's a high spend category for many people. Consumers can also save up to 20% at local restaurants with the card's Visa Signature and BEA Year-Round Offers discounts.


BEA Visa Signature does have a slightly high HK$1.8k annual fee, although this is waived with select Mandatory Provident Fund, deposit, consumer or mortgage loan BEA accounts. Altogether, BEA Visa Signature provides consumers with the opportunity to earn one of the highest rewards rates on their dining spend.

  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend

WeWa UnionPay Diamond Card: Entertainment & Travel Booking Boost

  • Up to 4% rebate on local leisure & travel bookings
  • Promotions: Receive HK$500 cashback w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Jabra Elite Active wireless headset w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive American Meresoy massage gun w/ HK$8.5k spend in 1st 3mo, OR:
  • Tertiary Students: Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Consumers seeking high rebates on local leisure and vacation planning may want to consider WeWa UnionPay Diamond Card. Cardholders earn 4% cashback on spend with select local entertainment merchants, airlines, & travel agencies, and 0.4% cashback on general spend.


While rewards-eligible merchants are limited, the list still includes top vendors like Disneyland, MCL Cinemas, Red MR, Cathay Pacific, China Travel Service and more. In fact, with WeWa UnionPay Diamond Card, it's easy to earn rewards on everything from enjoying a local family fun day to planning a vacation.

Cardholders who are planning an overseas trip can also take advantage of the card's waived foreign currency exchange fees, and perks like discounted limo services and up to 3 free lounge visits per year. Altogether, WeWa UnionPay Diamond Card is a great leisure card for local family spenders and occasional vacationers.

  • Annual fee: HK$800, 2-yr waiver
  • 4% cashback w/ select airlines, travel agencies & entertainment merchants
  • 0.4% cashback on general spend
  • Foreign currency transaction fee waived
  • Discounted limousine service & up to 3 free lounge visits/yr
  • Stand-Out: Up to 4% rebate on local leisure & travel bookings
  • Promotions: Receive HK$500 cashback w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive Jabra Elite Active wireless headset w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive American Meresoy massage gun w/ HK$8.5k spend in 1st 3mo, OR:
  • Tertiary Students: Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Consumers seeking high rebates on local leisure and vacation planning may want to consider WeWa UnionPay Diamond Card. Cardholders earn 4% cashback on spend with select local entertainment merchants, airlines, & travel agencies, and 0.4% cashback on general spend.


While rewards-eligible merchants are limited, the list still includes top vendors like Disneyland, MCL Cinemas, Red MR, Cathay Pacific, China Travel Service and more. In fact, with WeWa UnionPay Diamond Card, it's easy to earn rewards on everything from enjoying a local family fun day to planning a vacation.

Cardholders who are planning an overseas trip can also take advantage of the card's waived foreign currency exchange fees, and perks like discounted limo services and up to 3 free lounge visits per year. Altogether, WeWa UnionPay Diamond Card is a great leisure card for local family spenders and occasional vacationers.

  • Annual fee: HK$800, 2-yr waiver
  • 4% cashback w/ select airlines, travel agencies & entertainment merchants
  • 0.4% cashback on general spend
  • Foreign currency transaction fee waived
  • Discounted limousine service & up to 3 free lounge visits/yr
Jacob Weiss

Jacob is a Junior Research Analyst at ValueChampion, focusing on credit cards and other consumer financial products. Previously, he covered hedge funds and long only products for Cambridge Associates. He holds a B.S. in Finance from the University of Maryland and has passed Level 1 of the CFA exam.