Best Credit Card Promotions & Welcome Gifts in Hong Kong 2020

Credit card issuers frequently change promotions. To make it easier for you to learn about welcome offers from different banks, we continuously track the current sign-on bonuses for the best cards in Hong Kong. In addition to providing up-to-date promotional information, we've also reviewed these cards in detail so you can compare which best fits your lifestyle in the long-run.

Best Citibank Credit Card Promotions
Best Standard Chartered Card Promotions
Best American Express Credit Card Promotions
Best DBS Credit Card Promotions
Best HSBC Credit Card Promotions
Best BEA Credit Card Promotions
Best PrimeCredit Card Promotions
Best Hang Seng Bank Card Promotions
Best Dah Sing Bank Card Promotions
Best China Construction Bank Card Promotions
Best CNCBI Credit Card Promotions

Compare Best Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best credit card promotions 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 credit card promotions compare to one another in terms of their rewards
Best Credit Card Promotions in Hong Kong by Estimated 2-Year Dollar Value
Best Citibank Credit Card Promotions Best SC Credit Card Promotions Best Amex Credit Card Promotions Best DBS Credit Card Promotions Best HSBC Credit Card Promotions Best BEA Credit Card Promotions Best PrimeCredit Card Promotions Best Hang Seng Bank Card Promotions Best Dah Sing Bank Card Promotions Best China Construction Bank Promotions Best CNCBI Credit Card Promotions

Compare Best Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best credit card promotions 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 the best credit card promotions compare to one another in terms of their rewards
Best Credit Card Promotions in Hong Kong by Estimated 2-Year Dollar Value

Best Citibank Credit Card Promotions

Learn more about the best credit cards from Citibank as well as their current promotions.

Citi PremierMiles Card: Easy, No-Fee Miles Redemption

  • No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, waived perpetually w/ HK$100k spend/yr
  • 0.333 miles per HK$1 overseas & online spend w/ HK$20k spend/mo (0.250 miles) if below)
  • 0.125 miles per HK$1 local spend
  • 1 free lounge visit per HK$5k spend per person in next mo, up to 12 visits/yr
  • No miles conversion fee
Consumers looking to earn miles rapidly without having to pay conversion fees should consider Citi PremierMiles Card. Cardholders earn 0.250 miles per HK$1 spend online and overseas, boosted to a remarkable 0.333 miles with HK$20k spend per month, plus 0.125 miles per HK$1 local spend. These miles can then be redeemed without having to pay service or admin fees; many travel cards charge HK$100+ for redemption.


Cardholders and their guests can also enjoy up to 12 free lounge visits per year, as long as the cardholders spend HK$5k (per visit redeemed) in the following month. Most lounge perks offered by competing cards have a minimum spend requirement before access is granted, and visits are typically capped at 3 visits per year. Although there is an annual fee of HK$1.8k, it is waived with HK$100k spend in a year, which comes to just HK$8,333 per month–an achievable amount for most consumers. Overall, Citi PremierMiles Card is ideal for consumers looking to earn miles quickly, avoid fees, and enjoy lounge access without strict criteria.

  • Stand-Out: No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, waived perpetually w/ HK$100k spend/yr
  • 0.333 miles per HK$1 overseas & online spend w/ HK$20k spend/mo (0.250 miles) if below)
  • 0.125 miles per HK$1 local spend
  • 1 free lounge visit per HK$5k spend per person in next mo, up to 12 visits/yr
  • No miles conversion fee
Consumers looking to earn miles rapidly without having to pay conversion fees should consider Citi PremierMiles Card. Cardholders earn 0.250 miles per HK$1 spend online and overseas, boosted to a remarkable 0.333 miles with HK$20k spend per month, plus 0.125 miles per HK$1 local spend. These miles can then be redeemed without having to pay service or admin fees; many travel cards charge HK$100+ for redemption.


Cardholders and their guests can also enjoy up to 12 free lounge visits per year, as long as the cardholders spend HK$5k (per visit redeemed) in the following month. Most lounge perks offered by competing cards have a minimum spend requirement before access is granted, and visits are typically capped at 3 visits per year. Although there is an annual fee of HK$1.8k, it is waived with HK$100k spend in a year, which comes to just HK$8,333 per month–an achievable amount for most consumers. Overall, Citi PremierMiles Card is ideal for consumers looking to earn miles quickly, avoid fees, and enjoy lounge access without strict criteria.

Citi Prestige Card: Market-Leading Luxury Perks

  • Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Citi Prestige Card provides high-earners with the opportunity to enjoy the highest level of luxury perks. Cardholders earn 0.25 miles per HK$1 overseas spend and 0.167 miles for local spend. On top of this, cardholders receive a yearly “Thank You Gift” of 20k miles, plus Annual Relationship Points. The amount of Annual Relationship Points rewarded is based on the cardholder’s relationship type and tenure with Citi, with the top bracket earning up to a 30% bonus on rewards earned the previous year.


As mentioned, Citi Prestige Card offers very high-end luxury perks. Cardholders enjoy a free 4th night stay at any hotel, waived green fees at golf courses across Asia, and a complimentary lounge visit before every flight. No other card on the market offers free hotel nights and the majority of lounge visit perks offered by competitors require a spend requirement and cap annual visits. Citi Prestige Card does have a high income requirement of HK$600k however, as well as an annual fee of HK$3.8k, making it accessible only to the most affluent. Even so, Citi Prestige Card is perfect for wealthy consumers seeking top luxury perks.

  • Stand-Out: Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Citi Prestige Card provides high-earners with the opportunity to enjoy the highest level of luxury perks. Cardholders earn 0.25 miles per HK$1 overseas spend and 0.167 miles for local spend. On top of this, cardholders receive a yearly “Thank You Gift” of 20k miles, plus Annual Relationship Points. The amount of Annual Relationship Points rewarded is based on the cardholder’s relationship type and tenure with Citi, with the top bracket earning up to a 30% bonus on rewards earned the previous year.


As mentioned, Citi Prestige Card offers very high-end luxury perks. Cardholders enjoy a free 4th night stay at any hotel, waived green fees at golf courses across Asia, and a complimentary lounge visit before every flight. No other card on the market offers free hotel nights and the majority of lounge visit perks offered by competitors require a spend requirement and cap annual visits. Citi Prestige Card does have a high income requirement of HK$600k however, as well as an annual fee of HK$3.8k, making it accessible only to the most affluent. Even so, Citi Prestige Card is perfect for wealthy consumers seeking top luxury perks.

Citi Rewards Card: Miles With Popular Local Merchants

  • Top miles w/ popular merchants & on telecom bills
  • Promotions: Tea set for 2 at Mandarin Oriental w/ HK$10k min. spend in 1st 2 mo, OR:
  • Receive HK$800 cash rebate w/ HK$10k min. spend in 1st 2mo, OR:
  • For student applicants, 30k points (approx 2 MCL vouchers) w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 0.333 miles per HK$1 local spend w/ select supermarkets, department stores & telecom providers
  • 0.067 miles per HK$1 general spend
  • Citi World Privileges
Citi Rewards Card is great for consumers who frequently shop with popular merchants in Hong Kong. Cardholders earn a base rate of 0.067 miles per HK$1 general spend and 0.333 miles per HK$1 spend with select supermarkets, department stores and telecom providers. Although the list of merchants receiving this high miles rate is selective, it includes top vendors like PARKnSHOP, Wellcome, SOGO, AEON, CityLink, China Mobile and more. Very few cards in Hong Kong reward spend on consumers’ telecom bill, which makes the miles offering of Citi Rewards Card even more outstanding.


In terms of perks, consumers enjoy Citi World Privileges with discounts on retail shopping (including fashion, wine, electronics, and book merchants), tour bookings and more. Overall, Citi Rewards Card is ideal for local shoppers looking to rapidly earn miles at their favourite stores and on their phone bill.

  • Stand-Out: Top miles w/ popular merchants & on telecom bills
  • Promotions: Tea set for 2 at Mandarin Oriental w/ HK$10k min. spend in 1st 2 mo, OR:
  • Receive HK$800 cash rebate w/ HK$10k min. spend in 1st 2mo, OR:
  • For student applicants, 30k points (approx 2 MCL vouchers) w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 0.333 miles per HK$1 local spend w/ select supermarkets, department stores & telecom providers
  • 0.067 miles per HK$1 general spend
  • Citi World Privileges
Citi Rewards Card is great for consumers who frequently shop with popular merchants in Hong Kong. Cardholders earn a base rate of 0.067 miles per HK$1 general spend and 0.333 miles per HK$1 spend with select supermarkets, department stores and telecom providers. Although the list of merchants receiving this high miles rate is selective, it includes top vendors like PARKnSHOP, Wellcome, SOGO, AEON, CityLink, China Mobile and more. Very few cards in Hong Kong reward spend on consumers’ telecom bill, which makes the miles offering of Citi Rewards Card even more outstanding.


In terms of perks, consumers enjoy Citi World Privileges with discounts on retail shopping (including fashion, wine, electronics, and book merchants), tour bookings and more. Overall, Citi Rewards Card is ideal for local shoppers looking to rapidly earn miles at their favourite stores and on their phone bill.

Citi Cash Back Card: Unltd Cashback, Dining & Overseas Boost

  • 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
  • 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
High-spenders looking for unlimited rebates on all their spend should consider Citi Cash Back Card. Cardholders earn uncapped 2% rebates on their dining, hotel and overseas spend, and 1% cashback on everything else. Since dining is a high-spend category for most consumers, earning boosted cashback in this category is especially valuable. The lack of a rewards limit is also great for high spenders who are tired of feeling restricted by rebate caps.


On top of unlimited rewards, cardholders can enjoy peace of mind with every transaction as every purchase is protected for up to US$7.6k (~HK$58k) against loss or damage, for a full 30 days. Even though Citi Cash Back has a HK1.8k annual fee (waived for the first year only), it's still great for high spenders looking to earn high spenders looking to avoid cashback limits.

  • 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
  • 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
High-spenders looking for unlimited rebates on all their spend should consider Citi Cash Back Card. Cardholders earn uncapped 2% rebates on their dining, hotel and overseas spend, and 1% cashback on everything else. Since dining is a high-spend category for most consumers, earning boosted cashback in this category is especially valuable. The lack of a rewards limit is also great for high spenders who are tired of feeling restricted by rebate caps.


On top of unlimited rewards, cardholders can enjoy peace of mind with every transaction as every purchase is protected for up to US$7.6k (~HK$58k) against loss or damage, for a full 30 days. Even though Citi Cash Back has a HK1.8k annual fee (waived for the first year only), it's still great for high spenders looking to earn high spenders looking to avoid cashback limits.

Citi Octopus Platinum Card: Auto-Offset Octopus Top-Ups

  • Dual Octopus functionality, auto-rebates on top-ups
  • Promotions: Receive HK$200 cashback w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 0.5% rebate in Octopus Cash
  • All-in-one card w/ Octopus Functionality
  • Automatically earn Octopus Reward$ at designated merchants
Consumers looking for an easy and convenient way to lower their monthly Octopus payments should consider Citi Octopus Platinum Credit Card. Cardholders earn 0.5% Octopus Cash rebates on every purchase, which is then automatically applied towards their next Octopus AAVS top-up charge. Additionally, cardholders can use Citi Octopus Platinum Card as their Octopus Card, allowing them to streamline their wallet and avoid added hassle on commutes. While these are helpful features for everyday commuters, consumers looking for a card with more traditional rewards in the form of cashback or miles would do well to consider other options.


Still, Citi Octopus Card's perks make it great for commuters. For example, consumers can frequently enjoy deals like up to 15% rebates on Kowloon Motor Bus, City Bus, Long Win Bus and more. Ultimately, Citi Octopus Platinum Card is a great option for locals looking to simplify their daily commute while reducing the cost of next month's top-ups.

  • Stand-Out: Dual Octopus functionality, auto-rebates on top-ups
  • Promotions: Receive HK$200 cashback w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 0.5% rebate in Octopus Cash
  • All-in-one card w/ Octopus Functionality
  • Automatically earn Octopus Reward$ at designated merchants
Consumers looking for an easy and convenient way to lower their monthly Octopus payments should consider Citi Octopus Platinum Credit Card. Cardholders earn 0.5% Octopus Cash rebates on every purchase, which is then automatically applied towards their next Octopus AAVS top-up charge. Additionally, cardholders can use Citi Octopus Platinum Card as their Octopus Card, allowing them to streamline their wallet and avoid added hassle on commutes. While these are helpful features for everyday commuters, consumers looking for a card with more traditional rewards in the form of cashback or miles would do well to consider other options.


Still, Citi Octopus Card's perks make it great for commuters. For example, consumers can frequently enjoy deals like up to 15% rebates on Kowloon Motor Bus, City Bus, Long Win Bus and more. Ultimately, Citi Octopus Platinum Card is a great option for locals looking to simplify their daily commute while reducing the cost of next month's top-ups.

Best Standard Chartered Credit Card Promotions

Learn more about the best credit cards from Standard Chartered as well as their current promotions.

Standard Chartered Asia Miles Mastercard: Miles on Dining & Banking

  • Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
Standard Chartered Asia Miles Mastercard provides consumers with a great opportunity to earn outstanding rewards on dining, with extra miles for their banking activities. Cardholders earn 0.750 miles per HK$1 spend with select local merchants, boosted to 1.250 miles on Mondays. Additionally, cardholders earn 0.250 miles per HK$1 on other local dining, online, and overseas spend. Finally, consumers earn 0.167 miles per HK$1 spend general spend, which is still well above the market standard base rate.


Existing Standard Chartered banking customers also earn miles every month by simply maintaining their account. To be specific, Priority and Premium Banking clients holding online banking, premium deposit, payroll, insurance, investments, personal instalment, or mortgage loan accounts earn 70 miles a month for each type of account, up to 490 miles a month in total. This means consumers can enjoy up to 5,880 additional miles a year in addition to those earned from their spending.

Standard Chartered Asia Miles Mastercard is also relatively accessible, with a minimum annual income requirement of just HK$96,000, much lower than the usual HK$150,000 required for most miles cards. Although there is a HK$2,000 annual fee, it is waived for Bonus Payroll, Priority or Premium Banking customers. Overall, Standard Chartered Asia Miles Card allows consumers to earn amongst the top dining rates while also being rewarded for banking activities.

  • Stand-Out: Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
Standard Chartered Asia Miles Mastercard provides consumers with a great opportunity to earn outstanding rewards on dining, with extra miles for their banking activities. Cardholders earn 0.750 miles per HK$1 spend with select local merchants, boosted to 1.250 miles on Mondays. Additionally, cardholders earn 0.250 miles per HK$1 on other local dining, online, and overseas spend. Finally, consumers earn 0.167 miles per HK$1 spend general spend, which is still well above the market standard base rate.


Existing Standard Chartered banking customers also earn miles every month by simply maintaining their account. To be specific, Priority and Premium Banking clients holding online banking, premium deposit, payroll, insurance, investments, personal instalment, or mortgage loan accounts earn 70 miles a month for each type of account, up to 490 miles a month in total. This means consumers can enjoy up to 5,880 additional miles a year in addition to those earned from their spending.

Standard Chartered Asia Miles Mastercard is also relatively accessible, with a minimum annual income requirement of just HK$96,000, much lower than the usual HK$150,000 required for most miles cards. Although there is a HK$2,000 annual fee, it is waived for Bonus Payroll, Priority or Premium Banking customers. Overall, Standard Chartered Asia Miles Card allows consumers to earn amongst the top dining rates while also being rewarded for banking activities.

Standard Chartered Simply Cash Visa Card: High Rates, Unltd 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
  • 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
For unlimited–and highly respectable–rebates on every purchase, high-spenders should strongly consider Standard Chartered Simply Cash Visa Card. Cardholders earn an uncapped 2% cashback on all foreign currency spend, as well as 1.5% cashback on all other spend–one of the highest base rates of any cashback card. Higher spenders in particular can enjoy rebates that match their spending amounts without worrying about rewards limits.


Cardholders also enjoy Visa Signature Privilege and Standard Chartered’s The Good Life year-round offers, which provide discounts on dining, shopping, travel and more. While the annual fee of HK$2k is only waived for the first year, cardholders with Bonus Payroll, Premium or Priority Banking accounts enjoy annual fee waivers. Since consumers must have banking accounts with Standard Chartered to access a fee waiver, Standard Chartered Simply Cash Visa Card may be a better fit for SC loyalists.

Altogether, Standard Chartered Simply Cash Visa Card is great for consumers looking to avoid rebate limits while earning respectable cashback on all their spend.

  • 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
  • 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
For unlimited–and highly respectable–rebates on every purchase, high-spenders should strongly consider Standard Chartered Simply Cash Visa Card. Cardholders earn an uncapped 2% cashback on all foreign currency spend, as well as 1.5% cashback on all other spend–one of the highest base rates of any cashback card. Higher spenders in particular can enjoy rebates that match their spending amounts without worrying about rewards limits.


Cardholders also enjoy Visa Signature Privilege and Standard Chartered’s The Good Life year-round offers, which provide discounts on dining, shopping, travel and more. While the annual fee of HK$2k is only waived for the first year, cardholders with Bonus Payroll, Premium or Priority Banking accounts enjoy annual fee waivers. Since consumers must have banking accounts with Standard Chartered to access a fee waiver, Standard Chartered Simply Cash Visa Card may be a better fit for SC loyalists.

Altogether, Standard Chartered Simply Cash Visa Card is great for consumers looking to avoid rebate limits while earning respectable cashback on all their spend.

Standard Chartered Platinum Credit Card: Easy, No-Frills Miles Card

  • 0.067 miles/HK$1 on all spend
  • Promotions: Receive HK$600 cashback w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Receive up to HK$200 cashback w/ account opening online or via app
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 0.04 miles per HK$1 general spend
  • The Good Life Year-Round Offers
Consumers looking for an accessible and straightforward option to earn miles on every purchase may want to consider Standard Chartered Platinum Credit Card. Cardholders earn 0.04 miles per HK$1 spend. Although this is an admittedly low rate, its flat nature allows consumers to easily earn rewards without worrying about category or location spend.


In addition to this, consumers can enjoy The Good Life year-round offers from Standard Chartered and exclusive privileges from either Mastercard or Visa, which allow them to enjoy discounts on everything from medical check-ups to dining out.

Standard Chartered Platinum Credit Card is also remarkably accessible, with a minimum income requirement of just HK$96k. In short, Standard Chartered Platinum Credit Card provides consumers with an accessible option to easily earn miles and enjoy discounts.

  • Stand-Out: 0.067 miles/HK$1 on all spend
  • Promotions: Receive HK$600 cashback w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Receive up to HK$200 cashback w/ account opening online or via app
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 0.04 miles per HK$1 general spend
  • The Good Life Year-Round Offers
Consumers looking for an accessible and straightforward option to earn miles on every purchase may want to consider Standard Chartered Platinum Credit Card. Cardholders earn 0.04 miles per HK$1 spend.


Although this is an admittedly low rate, its flat nature allows consumers to easily earn rewards without worrying about category or location spend. In addition to this, consumers can enjoy The Good Life year-round offers from Standard Chartered and exclusive privileges from either Mastercard or Visa, which allow them to enjoy discounts on everything from medical check-ups to dining out.

Standard Chartered Platinum Credit Card is also remarkably accessible, with a minimum income requirement of just HK$96k. In short, Standard Chartered Platinum Credit Card provides consumers with an accessible option to easily earn miles and enjoy discounts.

Best American Express Credit Card Promotions

Learn more about the best credit cards from American Express as well as their current promotions.

American Express Cathay Pacific Credit Card: Top Miles for Cathay Pacific Loyalists

  • 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership
American Express Cathay Pacific Credit Card provides a relatively accessible opportunity for Cathay Pacific loyalists to earn rewards on their travels, with added Marco Polo Club perks. Cardholder earn 0.250 miles per HK$1 spend on Cathay Pacific flight bookings, 0.188 miles per HK$1 spend overseas, and 0.125 miles on local retail. During their Cathay Pacific flights, consumers also earn 0.400 miles per HK$1 of inflight retail spend, as long as the minimum net purchase amounts to HK$500 or more.


In terms of perks, consumers can enjoy up to 2 free Plaza Premium lounge visits per year, with no minimum spend requirement. Even better, cardholders also receive enrollment fee waivers for a Marco Polo Club Green tier membership. Marco Polo Club, the frequent flyer program of Cathay Pacific, provides members the ability to earn additional Club Points for every Cathay Pacific Flight, in addition to access to additional luxury perks (like lounge access, upgraded seating & more).

While its annual fee of HK$980 is automatically waived for the first year, this fee is waived perpetually for consumers who spend at least HK$100k a year, which is just HK$8,333 a month on average. Alternatively, any cardholder who maintains a Marco Polo Silver tier membership or above also enjoys a fee waiver. Overall, American Express Cathay Pacific Credit Card is ideal for everyday consumers who frequently fly with Cathay Pacific.

  • Stand-Out: 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership
American Express Cathay Pacific Credit Card provides a relatively accessible opportunity for Cathay Pacific loyalists to earn rewards on their travels, with added Marco Polo Club perks. Cardholder earn 0.250 miles per HK$1 spend on Cathay Pacific flight bookings, 0.188 miles per HK$1 spend overseas, and 0.125 miles on local retail. During their Cathay Pacific flights, consumers also earn 0.400 miles per HK$1 of inflight retail spend, as long as the minimum net purchase amounts to HK$500 or more.


In terms of perks, consumers can enjoy up to 2 free Plaza Premium lounge visits per year, with no minimum spend requirement. Even better, cardholders also receive enrollment fee waivers for a Marco Polo Club Green tier membership. Marco Polo Club, the frequent flyer program of Cathay Pacific, provides members the ability to earn additional Club Points for every Cathay Pacific Flight, in addition to access to additional luxury perks (like lounge access, upgraded seating & more).

While its annual fee of HK$980 is automatically waived for the first year, this fee is waived perpetually for consumers who spend at least HK$100k a year, which is just HK$8,333 a month on average. Alternatively, any cardholder who maintains a Marco Polo Silver tier membership or above also enjoys a fee waiver. Overall, American Express Cathay Pacific Credit Card is ideal for everyday consumers who frequently fly with Cathay Pacific.

American Express Cathay Pacific Elite Credit Card: Unltd Lounge Access for Cathay Pacific Loyalists

  • 10 free lounge visits/yr at HKIA
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership 0.333 miles per HK$1 Cathay Pacific flight spend, 0.250 miles overseas & 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership
Cathay Pacific loyalists with above average incomes may want to consider American Express Cathay Pacific Elite Credit Card. Cardholders earn 0.333 miles per HK$1 of Cathay Pacific Flight booking spend, 0.250 miles per HK$1 foreign currency spend, and 0.167 miles per HK$1 local spend.


While these rates alone are respectable, consumers can also enjoy 10 free Plaza Premium lounge visits every year, with no minimum spend requirements. Consumers also enjoy waived enrollment fees for a Marco Polo Club Green tier membership, which allows customers to earn additional Club Points for every Cathay Pacific flight and enjoy additional luxury perks.

It’s worth noting that the card's minimum annual income requirement is HK$300k, which may be limiting for some consumers. Additionally, the annual fee of HK$1.8k is only waived for consumers who spend at least HK$150k a year or hold a Silver tier membership in the Marco Polo Club. All in all, American Express Cathay Pacific Elite Card is ideal for high-earning Cathay Pacific frequent flyers.

  • Stand-Out: 10 free lounge visits/yr at HKIA
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership 0.333 miles per HK$1 Cathay Pacific flight spend, 0.250 miles overseas & 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership
Cathay Pacific loyalists with above average incomes may want to consider American Express Cathay Pacific Elite Credit Card. Cardholders earn 0.333 miles per HK$1 of Cathay Pacific Flight booking spend, 0.250 miles per HK$1 foreign currency spend, and 0.167 miles per HK$1 local spend.


While these rates alone are respectable, consumers can also enjoy 10 free Plaza Premium lounge visits every year, with no minimum spend requirements. Consumers also enjoy waived enrollment fees for a Marco Polo Club Green tier membership, which allows customers to earn additional Club Points for every Cathay Pacific flight and enjoy additional luxury perks.

It’s worth noting that the card's minimum annual income requirement is HK$300k, which may be limiting for some consumers. Additionally, the annual fee of HK$1.8k is only waived for consumers who spend at least HK$150k a year or hold a Silver tier membership in the Marco Polo Club. All in all, American Express Cathay Pacific Elite Card is ideal for high-earning Cathay Pacific frequent flyers.

BlueCash Credit Card from American Express: 0% Instal Plan & Shopping Security

  • 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
  • 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)
Consumers looking for flat rebates and the ability to spread out payments for larger purchases should consider BlueCash Credit Card from American Express. Cardholders receive a flat 1.2% cashback on every purchase, allowing them to earn respectable rebates regardless of category or location.


For those who prefer to pay off large purchases over time, BlueCash offers 0% interest instalment plans with select merchants in Hong Kong. Although only select merchants are eligible for this interest-free plan, the list is quite extensive.

Consumers also enjoy security with all of their purchases thanks to online fraud protection guarantee and 45 Days Cover personal property insurance from American Express. This combination of perks means that consumers are properly protected against online shopping scams and have free insurance (up to HK$30k) against damage and loss on every purchase made with their BlueCash Credit Card.

Altogether, BlueCash Credit Card offers uncomplicated cashback coupled with peace of mind and the option of flexible payments when shopping.

  • 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
  • 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)
Consumers looking for flat rebates and the ability to spread out payments for larger purchases should consider BlueCash Credit Card from American Express. Cardholders receive a flat 1.2% cashback on every purchase, allowing them to earn respectable rebates regardless of category or location.


For those who prefer to pay off large purchases over time, BlueCash offers 0% interest instalment plans with select merchants in Hong Kong. Although only select merchants are eligible for this interest-free plan, the list is quite extensive.

Consumers also enjoy security with all of their purchases thanks to online fraud protection guarantee and 45 Days Cover personal property insurance from American Express. This combination of perks means that consumers are properly protected against online shopping scams and have free insurance (up to HK$30k) against damage and loss on every purchase made with their BlueCash Credit Card. Altogether, BlueCash Credit Card offers uncomplicated cashback coupled with peace of mind and the option of flexible payments when shopping.

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
  • Annual fee: HK$980, 1st yr waiver, waived w/ HK$25k annual spend
  • 2% cashback on spend with I.T stores
  • 1.2% cashback on general spend
  • Year-round I.T and American Express Selects Privileges
American Express I.T Cashback Card is perfect for I.T fashion fans looking for cashback and deals on their next shopping spree. Cardholders earn 2% cashback for every I.T purchase, as well as 1.2% cashback on everything else. As such, even though spend with I.T is especially rewarding, cardholders still earn respectable cashback on all other purchases.


While shopping at I.T, cardholders also enjoy up to 15% discounts on regular priced items in store, with extra savings on select items. Every purchase made with American Express I.T Cashback is also protected by 45 Days Cover personal property insurance for up to HK$30k. As if this wasn’t enough, American Express I.T Cashback Card also has a very easily waived annual fee, providing consumers with a maintenance-free opportunity to earn cashback on all spend. Altogether, fans of I.T brands seeking special discounts and rebates should surely consider the American Express I.T Cashback Card.

  • 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
  • Annual fee: HK$980, 1st yr waiver, waived w/ HK$25k annual spend
  • 2% cashback on spend with I.T stores
  • 1.2% cashback on general spend
  • Year-round I.T and American Express Selects Privileges
American Express I.T Cashback Card is perfect for I.T fashion fans looking for cashback and deals on their next shopping spree. Cardholders earn 2% cashback for every I.T purchase, as well as 1.2% cashback on everything else. As such, even though spend with I.T is especially rewarding, cardholders still earn respectable cashback on all other purchases.


While shopping at I.T, cardholders also enjoy up to 15% discounts on regular priced items in store, with extra savings on select items. Every purchase made with American Express I.T Cashback is also protected by 45 Days Cover personal property insurance for up to HK$30k. As if this wasn’t enough, American Express I.T Cashback Card also has a very easily waived annual fee, providing consumers with a maintenance-free opportunity to earn cashback on all spend. Altogether, fans of I.T brands seeking special discounts and rebates should surely consider the American Express I.T Cashback Card.

Best DBS Credit Card Promotions

Learn more about the best credit cards from DBS as well as their current promotions.

DBS Black World Mastercard: Discounted Flights with Miles Redemption

  • 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver if apply before 30 June 2020
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO
DBS Black World Mastercard provides frequent travellers with an opportunity to enjoy deep discounts on flights when redeeming their miles. Cardholders earn 0.250 miles per HK$1 overseas spend and 0.167 miles per HK$1 local spend. When redeeming these miles, consumers enjoy up to 45% discounts on flight tickets booked when booking through DBS’s iGO platform. Cardholders can also opt to automatically redeem their rewards in the form of Asia Miles, Air China PhoenixMiles, Singapore Airlines KrisFlyer Miles, or British Airways Avios with no handling fees.


In terms of perks, DBS Black World Mastercard offers lounge access and limo transfer services at flat, discounted rates, allowing cardholders to better plan their travel costs. Consumers should note, however, that the card's HK$2k annual fee is only waived for the first year. Nonetheless, DBS Black World Mastercard is great for frequent travellers who want to get the most out of their rewards.

  • Stand-Out: 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver if apply before 30 June 2020
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO
DBS Black World Mastercard provides frequent travellers with an opportunity to enjoy deep discounts on flights when redeeming their miles. Cardholders earn 0.250 miles per HK$1 overseas spend and 0.167 miles per HK$1 local spend. When redeeming these miles, consumers enjoy up to 45% discounts on flight tickets booked when booking through DBS’s iGO platform. Cardholders can also opt to automatically redeem their rewards in the form of Asia Miles, Air China PhoenixMiles, Singapore Airlines KrisFlyer Miles, or British Airways Avios with no handling fees.


In terms of perks, DBS Black World Mastercard offers lounge access and limo transfer services at flat, discounted rates, allowing cardholders to better plan their travel costs. Consumers should note, however, that the card's HK$2k annual fee is only waived for the first year. Nonetheless, DBS Black World Mastercard is great for frequent travellers who want to get the most out of their rewards.

DBS COMPASS Visa: Top Cashback with Popular Vendors

  • 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
  • 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
Consumers who frequently spend with popular vendors both in Hong Kong and online should consider DBS COMPASS Visa Card. Cardholders earn a 3% COMPASS Dollars rebate on spend with online merchants Taobao & Tmall, and 1% COMPASS Dollars rebates with popular brick-and-mortar merchants like PARKnSHOP, Watsons, AMC Cinemas, Fortress and more. Although general spend earns 0.4% COMPASS Dollars, consumers who do most of their spending with popular merchants can also redeem their earned COMPASS Dollars with many of the popular merchants eligible for boosted rates, or opt to exchange them for Asia Miles.


In terms of perks, those who prefer to pay back larger purchases over time can enjoy 0% interest instalment plans offered by DBS, which allow them to spread payments into more manageable increments over time. Consumers also receive shopping and fraud protection for their online purchases, allowing for a stress-free shopping experience.

Finally, DBS COMPASS Visa is relatively accessible, with a minimum annual income requirement of just HK$100k, well below the HK$150k required by most cards. Ultimately, DBS Compass Visa Card is ideal for shoppers seeking boosted rebates on frequent spend with popular local and online merchants.

  • 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
  • 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
Consumers who frequently spend with popular vendors both in Hong Kong and online should consider DBS COMPASS Visa Card. Cardholders earn a 3% COMPASS Dollars rebate on spend with online merchants Taobao & Tmall, and 1% COMPASS Dollars rebates with popular brick-and-mortar merchants like PARKnSHOP, Watsons, AMC Cinemas, Fortress and more. Although general spend earns 0.4% COMPASS Dollars, consumers who do most of their spending with popular merchants can also redeem their earned COMPASS Dollars with many of the popular merchants eligible for boosted rates, or opt to exchange them for Asia Miles.


In terms of perks, those who prefer to pay back larger purchases over time can enjoy 0% interest instalment plans offered by DBS, which allow them to spread payments into more manageable increments over time. Consumers also receive shopping and fraud protection for their online purchases, allowing for a stress-free shopping experience.

Finally, DBS COMPASS Visa is relatively accessible, with a minimum annual income requirement of just HK$100k, well below the HK$150k required by most cards. Ultimately, DBS Compass Visa Card is ideal for shoppers seeking boosted rebates on frequent spend with popular local and online merchants.

DBS Eminent Visa Signature Card: Unltd Cashback for Wealthy DBS Loyalists

  • 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
  • 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
DBS Eminent Visa Signature Card provides the best opportunity for high-income DBS loyalists to earn uncapped cashback. Cardholders earn an unlimited 2% cashback for all foreign currency spend and 1% cashback on other local retail. The lack of a cashback cap is especially beneficial to higher spenders, who may find their rewards limited with competitor cards.


Cardholders who are also DBS Treasures Private Clients can enjoy 3 free limo transfers per quarter with HK$100k spend required in that quarter, for a total of up to 12 free transfers a year. Competing luxury limo perks at most offer a discounted flat rate, rather than free rides. It’s worth mentioning that the minimum annual income for DBS Eminent Visa Signature is HK$360k, making it only accessible to wealthier consumers. Altogether, DBS Eminent Visa Signature Card is ideal for wealthy DBS loyalists looking for potentially limitless cashback.

  • 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
  • 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
DBS Eminent Visa Signature Card provides the best opportunity for high-income DBS loyalists to earn uncapped cashback. Cardholders earn an unlimited 2% cashback for all foreign currency spend and 1% cashback on other local retail. The lack of a cashback cap is especially beneficial to higher spenders, who may find their rewards limited with competitor cards.


Cardholders who are also DBS Treasures Private Clients can enjoy 3 free limo transfers per quarter with HK$100k spend required in that quarter, for a total of up to 12 free transfers a year. Competing luxury limo perks at most offer a discounted flat rate, rather than free rides. It’s worth mentioning that the minimum annual income for DBS Eminent Visa Signature is HK$360k, making it only accessible to wealthier consumers. Altogether, DBS Eminent Visa Signature Card is ideal for wealthy DBS loyalists looking for potentially limitless cashback.

Best HSBC Credit Card Promotions

Learn more about the best credit cards from HSBC as well as their current promotions.

HSBC Visa Signature Card: Custom Cashback + Lounge Visits

  • 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
  • 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
HSBC Visa Signature Card is perfect for high-earners seeking cashback rewards that fit their spending habits. To begin with, cardholders earn 1.6% cashback in the categories of dining, spend overseas, spend in mainland China and Macau entertainment, lifestyle and home, plus a bonus +2% cashback which can be spread across the categories–or simply allocated just to one. On top of this, consumers receive an additional +2% cashback on their online and overseas spend, if they spend at least HK$3k per quarter.


In terms of luxury perks, consumers can enjoy 1 free lounge visit per month as long as they’ve completed a single transaction of HK$1.5k or above. This amounts to up to 12 free visits per year, much more than the 3 usually offered by competitor cards. Since HSBC Visa Signature requires a minimum annual income requirement of HK$360k, it is only accessible to high-income individuals. Nonetheless, HSBC Visa Signature Card is one of the best options on the market for high-earners interested in customisable cashback.

  • 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
  • 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
HSBC Visa Signature Card is perfect for high-earners seeking cashback rewards that fit their spending habits. To begin with, cardholders earn 1.6% cashback in the categories of dining, spend overseas, spend in mainland China and Macau entertainment, lifestyle and home, plus a bonus +2% cashback which can be spread across the categories–or simply allocated just to one. On top of this, consumers receive an additional +2% cashback on their online and overseas spend, if they spend at least HK$3k per quarter.


In terms of luxury perks, consumers can enjoy 1 free lounge visit per month as long as they’ve completed a single transaction of HK$1.5k or above. This amounts to up to 12 free visits per year, much more than the 3 usually offered by competitor cards. Since HSBC Visa Signature requires a minimum annual income requirement of HK$360k, it is only accessible to high-income individuals. Nonetheless, HSBC Visa Signature Card is one of the best options on the market for high-earners interested in customisable cashback.

HSBC Red Credit Card: No-Fee Unltd Online & Groceries Rebate

  • 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
  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers
HSBC Red Credit Card is ideal for consumers looking for high, uncapped cashback on grocery and online spend. Besides earning 2% back for spending at supermarkets and a 4% rebate for online transactions, cardholders also earn an impressive 1% on all other purchases, making this card a great choice for well-rounded, no-hassle rewards.


In addition to competitive cashback rates, this card has no annual fee which means cardholders retain the rewards granted from spending. While local cashback is very competitive, there is only a 1% rebate for spend in foreign currencies, which means frequent travellers might prefer a card like Citi Cash Back with boosted cashback for overseas spend. Overall, if you are a local spender with a large budget seeking uncapped rewards, HSBC Red Credit Card may be the right choice for you.

  • 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
  • Annual fee: Free
  • 4% cashback for online spend
  • 2% cashback for supermarket spend
  • 1% cashback for other local & overseas spend
  • HSBC Year-Round Offers
HSBC Red Credit Card is ideal for consumers looking for high, uncapped cashback on grocery and online spend. Besides earning 2% back for spending at supermarkets and a 4% rebate for online transactions, cardholders also earn an impressive 1% on all other purchases, making this card a great choice for well-rounded, no-hassle rewards.


In addition to competitive cashback rates, this card has no annual fee which means cardholders retain the rewards granted from spending. While local cashback is very competitive, there is only a 1% rebate for spend in foreign currencies, which means frequent travellers might prefer a card like Citi Cash Back with boosted cashback for overseas spend. Overall, if you are a local spender with a large budget seeking uncapped rewards, HSBC Red Credit Card may be the right choice for you.

HSBC Pulse UnionPay Dual Currency Diamond Card: Tailored Cashback + Regional Convenience

  • Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr
Frequent regional travellers seeking cashback personalised to their lifestyle should consider HSBC Pulse UnionPay Dual Currency Diamond Card. While cardholders earn just 0.4% cashback on general spend, they receive an additional +2% bonus cashback which can be allocated across the categories of spend overseas, in China and Macau, on dining, entertainment, home, and on lifestyle. On top of this, consumers enjoy another +2% bonus for spend overseas and online, as long as they spend at least HK$3k per quarter. This adds up to an incredible potential maximum of 4.4% cashback on overseas spend.


During their regional travels, cardholders can also enjoy separate billing for HKD and RMB spend, as well as waived foreign currency transaction fees for purchases made in RMB and MOP. Although spend in other currencies is still charged a 1% fee, this is still notably lower than the 1.95% fee charged by most cards on the market. Additional travel perks include up to 3 lounge visits per year (with at least HK$12k spend across 2 consecutive months) and discounted limo services for a flat rate of HK$250. Overall, HSBC Pulse UnionPay Dual Currency Diamond Card provides convenient perks for frequent regional travellers seeking cashback personalised to their habits and lifestyle.

  • Stand-Out: Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr
Frequent regional travellers seeking cashback personalised to their lifestyle should consider HSBC Pulse UnionPay Dual Currency Diamond Card. While cardholders earn just 0.4% cashback on general spend, they receive an additional +2% bonus cashback which can be allocated across the categories of spend overseas, in China and Macau, on dining, entertainment, home, and on lifestyle. On top of this, consumers enjoy another +2% bonus for spend overseas and online, as long as they spend at least HK$3k per quarter. This adds up to an incredible potential maximum of 4.4% cashback on overseas spend.


During their regional travels, cardholders can also enjoy separate billing for HKD and RMB spend, as well as waived foreign currency transaction fees for purchases made in RMB and MOP. Although spend in other currencies is still charged a 1% fee, this is still notably lower than the 1.95% fee charged by most cards on the market. Additional travel perks include up to 3 lounge visits per year (with at least HK$12k spend across 2 consecutive months) and discounted limo services for a flat rate of HK$250. Overall, HSBC Pulse UnionPay Dual Currency Diamond Card provides convenient perks for frequent regional travellers seeking cashback personalised to their habits and lifestyle.

Best BEA Credit Card Promotions

Learn more about the best credit cards from BEA as well as their current promotions.

BEA Visa Signature Card: Market-Leading Dining Rebates

  • 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
  • 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
BEA Visa Signature Card is great for foodies who want to maximise their dining rewards. Cardholders earn 2.4% on local dining, 1.6% overseas and 0.4% on general retail. In terms of perks, consumers can enjoy 20% discounts at popular local restaurants through Visa Signature and BEA Year Round Offers. Additionally, BEA Visa Signature's HK$1.8k annual fee is waived for consumers holding a deposit, Mandatory Provident Fund, mortgage or consumer loan account with BEA. All in all, BEA Visa Signature is a great way for consumers to earn impressive cashback and enjoy deep discounts when dining out.
  • 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
  • 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
BEA Visa Signature Card is great for foodies who want to maximise their dining rewards. Cardholders earn 2.4% on local dining, 1.6% overseas and 0.4% on general retail. In terms of perks, consumers can enjoy 20% discounts at popular local restaurants through Visa Signature and BEA Year Round Offers. Additionally, BEA Visa Signature's HK$1.8k annual fee is waived for consumers holding a deposit, Mandatory Provident Fund, mortgage or consumer loan account with BEA. All in all, BEA Visa Signature is a great way for consumers to earn impressive cashback and enjoy deep discounts when dining out.

BEA i-Titanium Card: Highest Online Shopping Rebate

  • 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
  • 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
BEA i-Titanium Card offers accessible–and yet still highly competitive–cashback rates for online shoppers. In fact, cardholders earn 3.4% rebates for online spend–one of the highest on the market–and 0.4% rebates on other local and overseas spend. Online cashback has a HK$1.8k monthly spend requirement and is capped at HK$200 cashback per month, though consumers would need to spend over HK$6k online per month to reach this limit.


Cardholders also enjoy BEA Year-Round Offer discounts with select restaurants, jewellers & more, as well as access to 0% interest instalment plans which allow consumers to pay for larger purchases over time. Even better, the card has an annual fee of just HK$600 (waived for select BEA account holders) and an extremely low HK$40k minimum income requirement. As such, BEA i-Titanium offers consumers an affordable, accessible way to earn market-leading cashback on their online spend.

  • 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
  • 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
BEA i-Titanium Card offers accessible–and yet still highly competitive–cashback rates for online shoppers. In fact, cardholders earn 3.4% rebates for online spend–one of the highest on the market–and 0.4% rebates on other local and overseas spend. Online cashback has a HK$1.8k monthly spend requirement and is capped at HK$200 cashback per month, though consumers would need to spend over HK$6k online per month to reach this limit.


Cardholders also enjoy BEA Year-Round Offer discounts with select restaurants, jewellers & more, as well as access to 0% interest instalment plans which allow consumers to pay for larger purchases over time. Even better, the card has an annual fee of just HK$600 (waived for select BEA account holders) and an extremely low HK$40k minimum income requirement. As such, BEA i-Titanium offers consumers an affordable, accessible way to earn market-leading cashback on their online spend.

Best PrimeCredit Card Promotions

Learn more about the best credit cards from Prime Credit as well as their current promotions.

EarnMORE UnionPay Diamond Card: Highest Flat Cashback

  • 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
  • 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
EarnMORE UnionPay Diamond Card provides consumers with an accessible opportunity to enjoy luxury perks while also earning at one of the highest flat cashback rates on the market. Cardholders earn 2% cashback on all their online, overseas, and local spend–including Octopus AAVS top-ups. This covers nearly every transaction, so there's no need to worry about category, merchant, or location restrictions.


What’s more, cardholders can also enjoy convenient travel perks like waived foreign currency transaction fees, 3 free lounge visits a year, and discounted limo transfers. EarnMORE UnionPay Diamond does have an annual fee, but it's quite low at HK$800 and is waived for the first 2 years. All in all, consumers seeking high, straightforward cashback on every purchase–plus luxury travel perks–would do well to consider EarnMORE UnionPay Dual Currency Card.

  • 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
  • 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
EarnMORE UnionPay Diamond Card provides consumers with an accessible opportunity to enjoy luxury perks while also earning at one of the highest flat cashback rates on the market. Cardholders earn 2% cashback on all their online, overseas, and local spend–including Octopus AAVS top-ups. This covers nearly every transaction, so there's no need to worry about category, merchant, or location restrictions.


What’s more, cardholders can also enjoy convenient travel perks like waived foreign currency transaction fees, 3 free lounge visits a year, and discounted limo transfers. EarnMORE UnionPay Diamond does have an annual fee, but it's quite low at HK$800 and is waived for the first 2 years. All in all, consumers seeking high, straightforward cashback on every purchase–plus luxury travel perks–would do well to consider EarnMORE UnionPay Dual Currency Card.

WeWa UnionPay Diamond Card: Rebates on Local Leisure + Travel Bookings

  • 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
  • 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
WeWa UnionPay Diamond Card is a great fit for consumers who want to maximise rewards for local leisure and vacation-planning spend. Although cardholders earn just 0.4% cashback on general retail, they earn an impressive 4% cashback with select travel agencies, airlines and local entertainment merchants.


Select merchants include RedMR, Disneyland, Cinema City, Morning Star Travel, China Travel Service, Cathay Pacific, Hong Kong Airlines and more. This wide variety of popular vendors allows consumers to earn remarkable rewards on almost any type of vacation booking or local leisure activity.

For their travels, cardholders enjoy convenient perks like waived foreign currency transaction fees, discounted limo services, and 3 free lounge visits per year (as long as they've spent at least HK$12k in the previous 2 months). Ultimately, WeWa UnionPay Diamond Card is perfect for consumers looking for amongst the top cashback rates on their entertainment and travel planning spend.

  • 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
  • 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
WeWa UnionPay Diamond Card is a great fit for consumers who want to maximise rewards for local leisure and vacation-planning spend. Although cardholders earn just 0.4% cashback on general retail, they earn an impressive 4% cashback with select travel agencies, airlines and local entertainment merchants.


Select merchants include RedMR, Disneyland, Cinema City, Morning Star Travel, China Travel Service, Cathay Pacific, Hong Kong Airlines and more. This wide variety of popular vendors allows consumers to earn remarkable rewards on almost any type of vacation booking or local leisure activity.

For their travels, cardholders enjoy convenient perks like waived foreign currency transaction fees, discounted limo services, and 3 free lounge visits per year (as long as they've spent at least HK$12k in the previous 2 months). Ultimately, WeWa UnionPay Diamond Card is perfect for consumers looking for amongst the top cashback rates on their entertainment and travel planning spend.

Best Hang Seng Bank Credit Card Promotions

Learn more about the best credit cards from Hang Seng Bank as well as their current promotions.

Hang Seng MPOWER Card: Maintenance-Free Cashback for Modern Social Spenders

  • 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
  • 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
Hang Seng MPOWER Card is an excellent no-fee option for modern consumers who primarily make mobile or online payments. Cardholders earn a 5% Cash Dollars rebate for mobile spend on local dining, entertainment, & fashion. Additionally, consumers earn the same 5% Cash Dollars rebate on online and overseas transactions of HK$300 or above. Since these high rates are only eligible for mobile, online and overseas spend, and require HK$3k per month spend, lower spenders and those not comfortable with mobile pay may be better suited with another card. General, non-mobile spend earns just a 0.4% rebate. Earned Cash Dollars are automatically redeemed with spend at over 7,400 merchants including popular restaurants, supermarkets, department stores & more.


As if those high rates weren’t enough, Hang Seng MPOWER also doesn't have an annual fee, making it an essentially free way for modern consumers to earn rewards for their spend. As an added bonus, Hang Seng MPOWER also offers entertainment perks like discounted movie tickets, priority booking for select concerts and more. Altogether, Hang Seng MPOWER provides consumers who prefer making contactless payments with a maintenance-free opportunity to earn easy cashback.

  • 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
  • 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
Hang Seng MPOWER Card is an excellent no-fee option for modern consumers who primarily make mobile or online payments. Cardholders earn a 5% Cash Dollars rebate for mobile spend on local dining, entertainment, & fashion. Additionally, consumers earn the same 5% Cash Dollars rebate on online and overseas transactions of HK$300 or above.


Since these high rates are only eligible for mobile, online and overseas spend, and require HK$3k per month spend, lower spenders and those not comfortable with mobile pay may be better suited with another card. General, non-mobile spend earns just a 0.4% rebate. Earned Cash Dollars are automatically redeemed with spend at over 7,400 merchants including popular restaurants, supermarkets, department stores & more.

As if those high rates weren’t enough, Hang Seng MPOWER also doesn't have an annual fee, making it an essentially free way for modern consumers to earn rewards for their spend. As an added bonus, Hang Seng MPOWER also offers entertainment perks like discounted movie tickets, priority booking for select concerts and more.

Altogether, Hang Seng MPOWER provides consumers who prefer making contactless payments with a maintenance-free opportunity to earn easy cashback.

Hang Seng enJoy Card: No-Fee Cashback with Partner Merchants

  • Up to 2% rebate on spend w/ popular local merchants & restaurants
  • Promotions: Receive HK$300 cashback w/ HK$4k designated merchant spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • HK$150k min. annual salary
  • Annual fee: Free
  • Up to 2% yuu Rewards Points rebate on spend w/ enJoy Card designated merchants
  • 0.5% rebate on all other spend
  • Yuu Rewards Points redeemable w/ 2k+ designated enJoy merchants
  • Year-Round Discounts with designated merchants
Hang Seng enJoy Card offers frequent shoppers no-fee rebates and special discounts at some of Hong Kong's most popular retail merchants. Cardholders can enjoy a 1% yuu Reward Points rebate on purchases with GNC and Maxim’s Group, 1.5% at 7-Eleven, Mannings, IKEA, Wellcome and more, and 2% at popular eateries Pizza Hut, KFC, and PHD. This rebate is then complemented by year-round offers at eligible merchants, allowing consumers to stack discounts on top of cashback. Spend with non-designated merchants also earns a 0.5% rebate.


Consumers can redeem Yuu Rewards Points at more than 2,000 enJoy Card Designated Merchant outlets and restaurants. With no annual fee and stackable rewards and discounts, Hang Seng enJoy Card is a competitive card for shoppers seeking maintenance-free savings on spend with their favourite merchants.

  • Stand-Out: Up to 2% rebate on spend w/ popular local merchants & restaurants
  • Promotions: Receive HK$300 cashback w/ HK$4k designated merchant spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • HK$150k min. annual salary
  • Annual fee: Free
  • Up to 2% yuu Rewards Points rebate on spend w/ enJoy Card designated merchants
  • 0.5% rebate on all other spend
  • Yuu Rewards Points redeemable w/ 2k+ designated enJoy merchants
  • Year-Round Discounts with designated merchants
Hang Seng enJoy Card offers frequent shoppers no-fee rebates and special discounts at some of Hong Kong's most popular retail merchants. Cardholders can enjoy a 1% yuu Reward Points rebate on purchases with GNC and Maxim’s Group, 1.5% at 7-Eleven, Mannings, IKEA, Wellcome and more, and 2% at popular eateries Pizza Hut, KFC, and PHD. This rebate is then complemented by year-round offers at eligible merchants, allowing consumers to stack discounts on top of cashback. Spend with non-designated merchants also earns a 0.5% rebate.


Consumers can redeem Yuu Rewards Points at more than 2,000 enJoy Card Designated Merchant outlets and restaurants. With no annual fee and stackable rewards and discounts, Hang Seng enJoy Card is a competitive card for shoppers seeking maintenance-free savings on spend with their favourite merchants.

Best Dah Sing Bank Credit Card Promotions

Learn more about the best credit cards from Dah Sing Bank as well as their current promotions.

Dah Sing British Airways Platinum Card: Avios Redeemable by Oneworld Global Alliance

  • 0.333 Avios/HK$1 on British Airways bookings
  • Promotions: Earn 1 Avios/HK$1 on first HK$10k local spend, 0.200 Avios on next HK$300k (1st 2 mo)
  • Earn 0.333 Avios/HK$1 on first HK$90k overseas spend (1st 3mo)
  • Read Our Full Review
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.333 Avios per HK$1 British Airways spend, 0.250 Avios on overseas, & 0.167 Avios local
  • Note: 1 Avios is worth approximately 1 Asia Mile
  • Redeem Avios with any Oneworld global alliance airline (Cathay Pacific, Finnair & more)
  • 10% British Airways ticket discount
Dah Sing British Airways Platinum Card is a great option for consumers who frequently fly with British Airways, but want the flexibility to redeem their rewards with other airlines. Cardholders earn 0.333 Avios per HK$1 spend on British Airways, 0.250 Avios per HK$1 spend overseas and 0.167 Avios per HK$1 local retail. Avios, the currency of British Airways’s frequent flyer program, are practically equal in value to Asia Miles and can be redeemed for flights, seat upgrades and more with any Oneworld Global Alliance Partner including Cathay Pacific, American Airlines, Iberia, Qatar Airways and more. This redemption flexibility allows consumers to spend their Avios in the most optimal way by comparing deals between airlines around the world.


For their flights on British Airways, consumers can enjoy 10% discounts on flight tickets, and up to 12% off hotel bookings through popular travel sites as part of Dah Sing Bank’s Year-round Offer. Ultimately, Dah Sing British Airway Platinum Card is perfect British Airways loyalists who still like to shop around for the best way to spend their rewards.

  • Stand-Out: 0.333 Avios/HK$1 on British Airways bookings
  • Promotions: Earn 1 Avios/HK$1 on first HK$10k local spend, 0.200 Avios on next HK$300k (1st 2 mo)
  • Earn 0.333 Avios/HK$1 on first HK$90k overseas spend (1st 3mo)
  • Read Our Full Review
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.333 Avios per HK$1 British Airways spend, 0.250 Avios on overseas, & 0.167 Avios local
  • Note: 1 Avios is worth approximately 1 Asia Mile
  • Redeem Avios with any Oneworld global alliance airline (Cathay Pacific, Finnair & more)
  • 10% British Airways ticket discount
Dah Sing British Airways Platinum Card is a great option for consumers who frequently fly with British Airways, but want the flexibility to redeem their rewards with other airlines. Cardholders earn 0.333 Avios per HK$1 spend on British Airways, 0.250 Avios per HK$1 spend overseas and 0.167 Avios per HK$1 local retail. Avios, the currency of British Airways’s frequent flyer program, are practically equal in value to Asia Miles and can be redeemed for flights, seat upgrades and more with any Oneworld Global Alliance Partner including Cathay Pacific, American Airlines, Iberia, Qatar Airways and more. This redemption flexibility allows consumers to spend their Avios in the most optimal way by comparing deals between airlines around the world.


For their flights on British Airways, consumers can enjoy 10% discounts on flight tickets, and up to 12% off hotel bookings through popular travel sites as part of Dah Sing Bank’s Year-round Offer. Ultimately, Dah Sing British Airway Platinum Card is perfect British Airways loyalists who still like to shop around for the best way to spend their rewards.

Dah Sing ANA World Mastercard: Boosted Miles for ANA Premium Members

  • ANA Premium members earn 5% bonus miles
  • Promotions: Receive 0.33 miles per HK$1 ANA ticket spend in 1st 2mo
  • Receive 0.25 miles per HK$1 overseas spend in 1st 3mo
  • Receive 7k miles w/ HK$7k spend in 1st 2mo
  • Receive HK$100 cashback for online/mobile app application
  • Read Our Full Review
  • Annual fee: HK$1.2k, 1st yr waiver, subsequently w/ HK$50k spend/yr
  • 0.156 ANA Mileage Club miles per HK$1 ANA flight booking spend
  • 0.125 ANA Mileage Club miles per HK$1 other local and overseas spend
  • Note: 1 ANA Mileage Club mile is worth approximately 1 Asia Mile
  • 5% bonus miles on every transaction for ANA Premium Members
  • Priority check-in on ANA flights
Dah Sing ANA World Mastercard is ideal for consumers who fly primarily with ANA. Cardholders earn 0.156 ANA Mileage Club (AMC) miles per HK$1 of ANA flight booking spend and 0.125 AMC miles per HK$1 local and overseas spend. ANA Premium members earn an additional 5% AMC miles for every transaction. Earned AMC miles have approximately the same value as Asia Miles and are credited directly to the cardholder's ANA Mileage Club account without transfer fees.


Consumers also enjoy up to 10% discounts on ANA in-flight shopping, duty free shops, and with select hotels. Even better, cardholders pay no annual fee if they spend at least HK$50k a year, which averages out to just HK$4,167 a month. Altogether, frequent ANA flyers–especially Premium members–can quickly accrue miles and enjoy loyalty discounts with their favourite airline.

  • Stand-Out: ANA Premium members earn 5% bonus miles
  • Promotions: Receive 0.33 miles per HK$1 ANA ticket spend in 1st 2mo
  • Receive 0.25 miles per HK$1 overseas spend in 1st 3mo
  • Receive 7k miles w/ HK$7k spend in 1st 2mo
  • Receive HK$100 cashback for online/mobile app application
  • Read Our Full Review
  • Annual fee: HK$1.2k, 1st yr waiver, subsequently w/ HK$50k spend/yr
  • 0.156 ANA Mileage Club miles per HK$1 ANA flight booking spend
  • 0.125 ANA Mileage Club miles per HK$1 other local and overseas spend
  • Note: 1 ANA Mileage Club mile is worth approximately 1 Asia Mile
  • 5% bonus miles on every transaction for ANA Premium Members
  • Priority check-in on ANA flights
Dah Sing ANA World Mastercard is ideal for consumers who fly primarily with ANA. Cardholders earn 0.156 ANA Mileage Club (AMC) miles per HK$1 of ANA flight booking spend and 0.125 AMC miles per HK$1 local and overseas spend. ANA Premium members earn an additional 5% AMC miles for every transaction. Earned AMC miles have approximately the same value as Asia Miles and are credited directly to the cardholder's ANA Mileage Club account without transfer fees.


Consumers also enjoy up to 10% discounts on ANA in-flight shopping, duty free shops, and with select hotels. Even better, cardholders pay no annual fee if they spend at least HK$50k a year, which averages out to just HK$4,167 a month. Altogether, frequent ANA flyers–especially Premium members–can quickly accrue miles and enjoy loyalty discounts with their favourite airline.

Dah Sing United MileagePlus World Mastercard: Discounts on Purchasing Additional Miles

  • Anytime miles redemption w/ 15% discount on miles top-ups
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 2mo
  • 50% off JourneySure Annual Travel Insurance Plan
  • Receive extra 5% cashback and up to 0.4375 miles per HK$1 spend on JourneySure Single Trip Travel Insurance
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.200 MileagePlus miles per HK$1 United Airlines & overseas spend
  • 0.167 MileagePlus miles w/ designated tour agents & 0.125 miles local
  • Note: 1 MileagePlus mile is worth approximately 0.6 Asia Miles
  • 1 free United Club lounge visit w/ HK$40k spend in previous calendar quarter
  • 15% off the full retail price when purchasing United Mileage Plus miles
United Airlines loyalists who occasionally find themselves short of the miles needed to fully redeem a flight should consider Dah Sing United MileagePlus World Mastercard. Cardholders earn 0.200 MileagePlus miles per HK$1 spend with United Airlines and overseas, 0.167 MileagePlus miles per HK$1 spend with designated tour agents, and 0.125 MileagePlus miles per HK$1 spend on local retail. These rewards are credited directly to the cardholder’s MileagePlus account with no transfer fees, and never expire. Consumers should note that each MileagePlus mile is only worth about 0.6 Asia Miles. Consumers who need an additional miles top-up to redeem a flight can buy additional United MileagePlus miles with a 15% discount. Since rewards flights must be fully paid for by redeemed miles, rather than with a mix of cash, this perk allows cardholders to book trips with miles immediately rather than having to wait for extra earnings.


Consumers can also enjoy 1 free United Club lounge visit with at least HK$40k spend in the previous calendar quarter. Altogether, Dah Sing United MileagePlus World Mastercard is great for United Airlines frequent flyers who want discounts when purchasing additional miles, allowing them to more quickly redeem travel rewards.

  • Stand-Out: Anytime miles redemption w/ 15% discount on miles top-ups
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 2mo
  • 50% off JourneySure Annual Travel Insurance Plan
  • Receive extra 5% cashback and up to 0.4375 miles per HK$1 spend on JourneySure Single Trip Travel Insurance
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.200 MileagePlus miles per HK$1 United Airlines & overseas spend
  • 0.167 MileagePlus miles w/ designated tour agents & 0.125 miles local
  • Note: 1 MileagePlus mile is worth approximately 0.6 Asia Miles
  • 1 free United Club lounge visit w/ HK$40k spend in previous calendar quarter
  • 15% off the full retail price when purchasing United Mileage Plus miles
United Airlines loyalists who occasionally find themselves short of the miles needed to fully redeem a flight should consider Dah Sing United MileagePlus World Mastercard. Cardholders earn 0.200 MileagePlus miles per HK$1 spend with United Airlines and overseas, 0.167 MileagePlus miles per HK$1 spend with designated tour agents, and 0.125 MileagePlus miles per HK$1 spend on local retail. These rewards are credited directly to the cardholder’s MileagePlus account with no transfer fees, and never expire. Consumers should note that each MileagePlus mile is only worth about 0.6 Asia Miles. Consumers who need an additional miles top-up to redeem a flight can buy additional United MileagePlus miles with a 15% discount. Since rewards flights must be fully paid for by redeemed miles, rather than with a mix of cash, this perk allows cardholders to book trips with miles immediately rather than having to wait for extra earnings.


Consumers can also enjoy 1 free United Club lounge visit with at least HK$40k spend in the previous calendar quarter. Altogether, Dah Sing United MileagePlus World Mastercard is great for United Airlines frequent flyers who want discounts when purchasing additional miles, allowing them to more quickly redeem travel rewards.

Best China Construction Bank Credit Card Promotions

Learn more about the best credit cards from CCB as well as their current promotions.

CCB eye Platinum Credit Card: No-Fee Miles for Online, Mobile Pay

  • Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB
CCB eye Platinum Card offers modern consumers the ability to rapidly earn miles without having to worry about an annual fee. Cardholders earn 0.333 miles per HK$1 spend online and overseas, boosted to 0.469 miles when the transaction occurs overseas. Consumers also earn a still impressive 0.201 miles per HK$1 of non-mobile overseas spend, though just 0.067 miles per HK$1 of non-mobile general spend. Because of this difference in miles rates, CCB eye Platinum Card is heavily geared towards modern consumers who mostly make contactless purchases.


CCB eye Platinum Credit Card also has no annual fee and unlike other no-fee cards, doesn't have any spend requirements for a waiver. This allows consumers to rapidly earn miles without stopping to worry about extra costs or spending criteria. Altogether, CCB eye Platinum Card provides modern consumers with an easy, no-fee opportunity to quickly earn miles.

  • Stand-Out: Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB
CCB eye Platinum Card offers modern consumers the ability to rapidly earn miles without having to worry about an annual fee. Cardholders earn 0.333 miles per HK$1 spend online and overseas, boosted to 0.469 miles when the transaction occurs overseas. Consumers also earn a still impressive 0.201 miles per HK$1 of non-mobile overseas spend, though just 0.067 miles per HK$1 of non-mobile general spend. Because of this difference in miles rates, CCB eye Platinum Card is heavily geared towards modern consumers who mostly make contactless purchases.


CCB eye Platinum Credit Card also has no annual fee and unlike other no-fee cards, doesn't have any spend requirements for a waiver. This allows consumers to rapidly earn miles without stopping to worry about extra costs or spending criteria. Altogether, CCB eye Platinum Card provides modern consumers with an easy, no-fee opportunity to quickly earn miles.

CCB (Asia) Hong Kong Airlines Fly Away Credit Card: No-Fee FWC Points

  • 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Read Our Full Review
  • Annual fee: Free
  • 0.250 FWC points per HK$1 overseas, Hong Kong Airlines & inflight retail spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • No handling fee for FWC points conversion
  • Priority check-in, priority boarding & 5 free lounge visits/yr for HKA flights from HKIA
Frequent Hong Kong Airlines (HKA) flyers who want to avoid annual fees should definitely consider CCB (Asia) Hong Kong Airlines Fly Away Credit Card. To begin with, cardholders earn 0.250 FWC points per HK$1 of overseas, HKA & inflight retail spend, and 0.167 FWC points per HK$1 local spend. FWC points, the currency of Hainan Airlines’ Fortune Wings Club, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades & more with any Hainan Airlines subsidiary (HKA, Grand China Air, Lucky Air and more).


Consumers can also enjoy priority check-in and boarding before their flights out of HKIA or HKA, as well as up to 5 free lounge visits per year. Unlike with most competitor cards, there are no minimum spend requirements to unlock these visits, making cardholders' time at the airport even more stress-free. Finally, CCB Hong Kong Airlines Fly Away Credit Card has no annual fee, therefore providing a maintenance-free opportunity for frequent HKA flyers to quickly accrue miles from their travels.

  • Stand-Out: 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Read Our Full Review
  • Annual fee: Free
  • 0.250 FWC points per HK$1 overseas, Hong Kong Airlines & inflight retail spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • No handling fee for FWC points conversion
  • Priority check-in, priority boarding & 5 free lounge visits/yr for HKA flights from HKIA
Frequent Hong Kong Airlines (HKA) flyers who want to avoid annual fees should definitely consider CCB (Asia) Hong Kong Airlines Fly Away Credit Card. To begin with, cardholders earn 0.250 FWC points per HK$1 of overseas, HKA & inflight retail spend, and 0.167 FWC points per HK$1 local spend. FWC points, the currency of Hainan Airlines’ Fortune Wings Club, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades & more with any Hainan Airlines subsidiary (HKA, Grand China Air, Lucky Air and more).


Consumers can also enjoy priority check-in and boarding before their flights out of HKIA or HKA, as well as up to 5 free lounge visits per year. Unlike with most competitor cards, there are no minimum spend requirements to unlock these visits, making cardholders' time at the airport even more stress-free.

Finally, CCB Hong Kong Airlines Fly Away Credit Card has no annual fee, therefore providing a maintenance-free opportunity for frequent HKA flyers to quickly accrue miles from their travels.

CCB (Asia) Visa Platinum Credit Card: Flexi Miles Redemption + Free Insurance

  • No fee + free general practice, dental & check-up insurance
  • Promotions: 0% Interest Instalment Plans for department store, education, telecom, medical spend & more
  • Annual fee: Free
  • 0.201 miles per HK$1 overseas & travel booking spend
  • 0.067 miles per HK$1 local general spend
  • Free dental, general outpatient, and medical check-up insurance w/ HK$12k spend/yr
  • Advance Mileage Redemption Plan and 0% Travel Instalment plan
Consumers looking for a flexible way to redeem miles–and even enjoy free insurance plans–should consider the CCB Visa Platinum Credit Card. Cardholders earn 0.201 miles per HK$1 overseas and travel booking spend, which allows for rapid rewards accrual both when planning and then enjoying travels. Consumers also earn a market-standard 0.067 miles per HK$1 local retail.


Cardholders may also be interested in CCB's Advance Mileage Redemption programme, which allows consumers to redeem up to 10k miles per year before they’ve actually been earned. This allows consumers to book rewards flights even if they can only partially pay for their ticket in earned miles. As a result, CCB Visa Platinum Card is a great fit for those who travel earlier in the year or who book flights spontaneously.

Cardholders can also enjoy substantial local perks. Individuals spending at least HK$12k/year (a very attainable HK$1k/month) enjoy free dental, general practice (outpatient), and medical check-up plans underwritten by AIA. CCB Visa Platinum Card also has no annual fee, making it a completely maintenance free card for travellers to flexibly redeem miles and enjoy helpful health perks.

  • Stand-Out: No fee + free general practice, dental & check-up insurance
  • Promotions: 0% Interest Instalment Plans for department store, education, telecom, medical spend & more
  • Annual fee: Free
  • 0.201 miles per HK$1 overseas & travel booking spend
  • 0.067 miles per HK$1 local general spend
  • Free dental, general outpatient, and medical check-up insurance w/ HK$12k spend/yr
  • Advance Mileage Redemption Plan and 0% Travel Instalment plan
Consumers looking for a flexible way to redeem miles–and even enjoy free insurance plans–should consider the CCB Visa Platinum Credit Card. Cardholders earn 0.201 miles per HK$1 overseas and travel booking spend, which allows for rapid rewards accrual both when planning and then enjoying travels. Consumers also earn a market-standard 0.067 miles per HK$1 local retail.


Cardholders may also be interested in CCB's Advance Mileage Redemption programme, which allows consumers to redeem up to 10k miles per year before they’ve actually been earned. This allows consumers to book rewards flights even if they can only partially pay for their ticket in earned miles. As a result, CCB Visa Platinum Card is a great fit for those who travel earlier in the year or who book flights spontaneously.

Cardholders can also enjoy substantial local perks. Individuals spending at least HK$12k/year (a very attainable HK$1k/month) enjoy free dental, general practice (outpatient), and medical check-up plans underwritten by AIA. CCB Visa Platinum Card also has no annual fee, making it a completely maintenance free card for travellers to flexibly redeem miles and enjoy helpful health perks.

CCB (Asia) tiramisu Platinum Credit Card: Free Miles for Global Foodies

  • 0.2 miles/HK$1 local dining spend w/ waived annual fee
  • Promotions: Free year-round upgrades on Pacific Coffee handcrafted beverage orders
  • Annual fee: Free
  • 0.200 miles per HK$1 dining spend
  • 0.200 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local general spend
Foodies looking to avoid annual fees should consider CCB tiramisu Platinum Credit Card. Cardholders earn 0.201 miles per HK$1 dining and overseas spend, and 0.067 miles per HK$1 general spend. Since dining is a major portion of most consumers’ spend, earning a heightened miles rate in this category is especially beneficial.


Additionally, consumers enjoy CCB Year-Round Dining Privileges, which offer up to 20% discounts at popular restaurants in Hong Kong spanning Chinese, Japanese, Western and other cuisines. Finally, CCB tiramisu Platinum Credit Card has no annual fee, allowing cardholders to easily add it to their wallets for dining purchases and special discounts.

  • Stand-Out: 0.2 miles/HK$1 local dining spend w/ waived annual fee
  • Promotions: Free year-round upgrades on Pacific Coffee handcrafted beverage orders
  • Annual fee: Free
  • 0.200 miles per HK$1 dining spend
  • 0.200 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local general spend
Foodies looking to avoid annual fees should consider CCB tiramisu Platinum Credit Card. Cardholders earn 0.201 miles per HK$1 dining and overseas spend, and 0.067 miles per HK$1 general spend. Since dining is a major portion of most consumers’ spend, earning a heightened miles rate in this category is especially beneficial.


Additionally, consumers enjoy CCB Year-Round Dining Privileges, which offer up to 20% discounts at popular restaurants in Hong Kong spanning Chinese, Japanese, Western and other cuisines. Finally, CCB tiramisu Platinum Credit Card has no annual fee, allowing cardholders to easily add it to their wallets for dining purchases and special discounts.

Best CNCBI Credit Card Promotions

Learn more about the best credit cards from CNCBI as well as their current promotions.

CNCBI Motion Platinum Credit Card: Upfront Cashback Boost

  • 2% cashback on all spend in 1st 6 mo
  • Promotions: Receive HK$400 cashback w/ HK$3k spend in 1st 3mo, OR:
  • Receive Antler Luggage Case w/ HK$6k spend in 1st 3mo, OR:
  • Receive récolte Home BBQ w/ HK$6k spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$1.2k, 3-yr waiver
  • 2% cashback on local retail & overseas for 1st 6mo, 0.55% subsequently
  • 0% interest instalment plan through CNCBI
  • Mastercard Year-Round Offers
Consumers seeking an upfront cashback rate boost on their spend should consider CNCBI Motion Platinum Credit Card. During the first 6 months, cardholders earn 2% cashback on all their local retail and overseas spend. Following this boosted period, all spend earns the same 0.55% cashback, which is still above the market standard base rate.


Consumers can also enjoy a 0% interest instalment plan through CNCBI, which allows them to split up larger purchases into more manageable payments. Although there is an annual fee of HK$1.2k, it’s waived for the first 3 years. Altogether, CNCBI Motion Platinum Credit Card is ideal for consumers seeking high initial cashback rates.

  • Stand-Out: 2% cashback on all spend in 1st 6 mo
  • Promotions: Receive HK$400 cashback w/ HK$3k spend in 1st 3mo, OR:
  • Receive Antler Luggage Case w/ HK$6k spend in 1st 3mo, OR:
  • Receive récolte Home BBQ w/ HK$6k spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$1.2k, 3-yr waiver
  • 2% cashback on local retail & overseas for 1st 6mo, 0.55% subsequently
  • 0% interest instalment plan through CNCBI
  • Mastercard Year-Round Offers
Consumers seeking an upfront cashback rate boost on their spend should consider CNCBI Motion Platinum Credit Card. During the first 6 months, cardholders earn 2% cashback on all their local retail and overseas spend. Following this boosted period, all spend earns the same 0.55% cashback, which is still above the market standard base rate.


Consumers can also enjoy a 0% interest instalment plan through CNCBI, which allows them to split up larger purchases into more manageable payments. Although there is an annual fee of HK$1.2k, it’s waived for the first 3 years. Altogether, CNCBI Motion Platinum Credit Card is ideal for consumers seeking high initial cashback rates.

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.