Best Online & Shopping Credit Cards in Hong Kong 2020

If you're looking for great rewards on your next shopping spree, you can easily earn miles or cashback with the right shopping card. We've analysed and compared over 300 credit cards to help you find the best options.

Best Cards for Online Cashback
  • HSBC Red: Unltd. 4% cashback online, 2% on groceries
  • BEA i-Titanium: Up to 3.4% cashback for online shopping
Best Credit Cards with Boosted Mobile Pay Rewards
  • Hang Seng MPOWER: Up to 5% rebate on mobile, online & overseas spend
  • BOC i-card: 0.667 miles/HK$1 on mobile & online spend w/ no annual fee
  • CCB eye Platinum: Up to 0.469 miles for online & mobile spend, no annual fee
Best Online & Shopping Cards for Overseas Spend
Best Shopping Cards with 0% Interest Instalment Plans
Best Online & Shopping Cards for Brand Loyalists

Compare Best Online & Shopping Credit Cards by Dollar Value

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

A graph displaying how best online & shopping credit cards compare to one another in terms of their rewards
Best Online & Shopping Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Cards for Online Cashback Best Cards w/ Boosted Mobile Rewards Best for Overseas Shopping Best Cards with 0% Interest Instal Plans Best Cards for Brand Loyalists

Compare Best Online & Shopping Credit Cards by Dollar Value

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

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

Best Cards for Online Cashback

Frequent online shoppers seeking impressive cashback rates should consider the following.

HSBC Red Credit Card: No-Fee Cashback for Online Bill-Pay

  • 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 a great no-fee option allowing frequent online shoppers to earn unlimited cashback–including on their monthly bills. To begin with, cardholders earn an outstanding 4% cashback on every online purchase, 2% on supermarket spend, and 1% on other local and overseas spend. Since there is no upper limit on rebate earned, consumers can enjoy rewards proportional to their spend without worrying about running into earnings caps. Cardholders also earn 0.4% cashback for online bill pay transactions, which is quite a rare feature amongst credit cards in Hong Kong.


In terms of perks, cardholders can enjoy the usual HSBC Year-Round offers with discounts on online spend with merchants like Petko Limited, ZALORA and Gift Flowers HK. Additional card-specific perks typically include coupons and vouchers discounting spend on online food delivery with vendors like Deliveroo. HSBC Red Card also has no annual fee, allowing consumers to earn unlimited rewards and special discounts on their online shopping without worrying about their savings and cashback being eaten up by a yearly payment

  • 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 a great no-fee option allowing frequent online shoppers to earn unlimited cashback–including on their monthly bills. To begin with, cardholders earn an outstanding 4% cashback on every online purchase, 2% on supermarket spend, and 1% on other local and overseas spend. Since there is no upper limit on rebate earned, consumers can enjoy rewards proportional to their spend without worrying about running into earnings caps. Cardholders also earn 0.4% cashback for online bill pay transactions, which is quite a rare feature amongst credit cards in Hong Kong.


In terms of perks, cardholders can enjoy the usual HSBC Year-Round offers with discounts on online spend with merchants like Petko Limited, ZALORA and Gift Flowers HK. Additional card-specific perks typically include coupons and vouchers discounting spend on online food delivery with vendors like Deliveroo. HSBC Red Card also has no annual fee, allowing consumers to earn unlimited rewards and special discounts on their online shopping without worrying about their savings and cashback being eaten up by a yearly payment

BEA i-Titanium Card: Accessible Online Shopping Rebates

  • 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
Online shoppers who want an accessible and affordable way to rapidly earn cashback should definitely consider BEA i-Titanium Card. Cardholders who meet a reasonable HK$1.8k monthly spend requirement earn 3.4% cashback on all online transactions, up to HK$200 cashback per month. General spend earns 0.4% cashback.


In terms of perks, consumers enjoy BEA Year-Round Offer discounts & savings with popular online merchants like Agoda, Expedia, MCL Cinemas & more, as well as access to 0% interest instalment plans. Even better, BEA i-Titanium is accessible to most consumers due to its low HK$40k minimum income requirement and HK$600 annual fee (waived for those with select BEA accounts). Overall, BEA i-Titanium provides consumers with accessible, 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
Online shoppers who want an accessible and affordable way to rapidly earn cashback should definitely consider BEA i-Titanium Card. Cardholders who meet a reasonable HK$1.8k monthly spend requirement earn 3.4% cashback on all online transactions, up to HK$200 cashback per month. General spend earns 0.4% cashback.


In terms of perks, consumers enjoy BEA Year-Round Offer discounts & savings with popular online merchants like Agoda, Expedia, MCL Cinemas & more, as well as access to 0% interest instalment plans. Even better, BEA i-Titanium is accessible to most consumers due to its low HK$40k minimum income requirement and HK$600 annual fee (waived for those with select BEA accounts). Overall, BEA i-Titanium provides consumers with accessible, market-leading cashback on their online spend.

Best Credit Cards with Boosted Mobile Pay Rewards

These cards are great for modern consumers seeking high rewards on mobile payments.

Hang Seng MPOWER Card: Cashback on Social Online + Mobile Pay

  • 5% cashback for online, overseas & mobile payments
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo, OR:
  • Receive 8 MCL Cinemas movie tickets w/ HK$5k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • 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 a great, maintenance-free card for rebates on social contactless spend and online shopping. Cardholders earn a 5% Cash Dollars rebate on mobile payments for local dining, fashion and entertainment, meaning that consumers can simply tap their phone at eligible check-out kiosks to make purchases (and therein, conveniently earn rebates). Consumers also earn 5% Cash Dollars rebates online and overseas on purchases of HK$300 or more. To access these rates, cardholders must spend HK$3k per month; spend below earns a 0.4% Cash Dollars rebate. Cash Dollars are redeemed automatically to offset spend at over 7,400 merchant outlets.


Finally, Hang Seng MPOWER Card also provides perks like handling fee waivers for online entertainment purchases with MCL Cinema and a discounted 3-month trial for music streaming with KKBOX. Cardholders also enjoy priority online booking services for select concerts. Altogether, Hang Seng MPOWER is a great option for consumers looking for convenient cashback on social spend plus online entertainment perks.

  • 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 a great, maintenance-free card for rebates on social contactless spend and online shopping. Cardholders earn a 5% Cash Dollars rebate on mobile payments for local dining, fashion and entertainment, meaning that consumers can simply tap their phone at eligible check-out kiosks to make purchases (and therein, conveniently earn rebates). Consumers also earn 5% Cash Dollars rebates online and overseas on purchases of HK$300 or more. To access these rates, cardholders must spend HK$3k per month; spend below earns a 0.4% Cash Dollars rebate. Cash Dollars are redeemed automatically to offset spend at over 7,400 merchant outlets.


Finally, Hang Seng MPOWER Card also provides perks like handling fee waivers for online entertainment purchases with MCL Cinema and a discounted 3-month trial for music streaming with KKBOX. Cardholders also enjoy priority online booking services for select concerts. Altogether, Hang Seng MPOWER is a great option for consumers looking for convenient cashback on social spend plus online entertainment perks.

BOC i-Card: Market-Leading Miles on Contactless Spend

  • 0.667 miles/HK$1 online & mobile pay, waived annual fee
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Interest-free cash installment of up to HK$80k
  • Receive HK$100 cashback w/ online application
  • Annual fee: Free
  • 0.667 miles per HK$1 online & mobile spend
  • 0.067 miles per HK$1 general spend
  • 0% interest instalment plans w/ select merchants
Consumers looking to rapidly accumulate no-fee miles on their online and contactless spend should definitely consider the BOC i-Card. Currently, cardholders earn 0.667 miles per HK$1 online and on mobile spend–one of the highest miles rates on the market. While it’s worth noting that consumers are limited to 10,000 extra bonus points (666.67 miles) per month, there’s no better option for lower or average spenders to quickly earn miles. Non-mobile retail payments earn just 0.067 miles per HK$1 spend, so this card is best suited for modern consumers comfortable with making contactless purchases.


Beyond its market-leading rates, BOC i-Card also offers shopping perks like 0% interest instalment plans with select merchants, allowing consumers to pay for larger purchases across several months. Through BOC’s Year-Round Offers, cardholders also enjoy exclusive online discounts with merchants like Cherrypicks, Agoda, Columbia and more. If that wasn’t enough, BOC i-Card has no annual fee, making it a completely maintenance-free option for modern consumers looking to rapidly earn miles.

  • Stand-Out: 0.667 miles/HK$1 online & mobile pay, waived annual fee
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Interest-free cash installment of up to HK$80k
  • Receive HK$100 cashback w/ online application
  • Annual fee: Free
  • 0.667 miles per HK$1 online & mobile spend
  • 0.067 miles per HK$1 general spend
  • 0% interest instalment plans w/ select merchants
Consumers looking to rapidly accumulate no-fee miles on their online and contactless spend should definitely consider the BOC i-Card. Currently, cardholders earn 0.667 miles per HK$1 online and on mobile spend–one of the highest miles rates on the market. While it’s worth noting that consumers are limited to 10,000 extra bonus points (666.67 miles) per month, there’s no better option for lower or average spenders to quickly earn miles. Non-mobile retail payments earn just 0.067 miles per HK$1 spend, so this card is best suited for modern consumers comfortable with making contactless purchases.


Beyond its market-leading rates, BOC i-Card also offers shopping perks like 0% interest instalment plans with select merchants, allowing consumers to pay for larger purchases across several months. Through BOC’s Year-Round Offers, cardholders also enjoy exclusive online discounts with merchants like Cherrypicks, Agoda, Columbia and more. If that wasn’t enough, BOC i-Card has no annual fee, making it a completely maintenance-free option for modern consumers looking to rapidly earn miles.

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 is great for modern, tech-friendly consumers who primarily shop online and are comfortable making contactless payments with their smartphone. Consumers earn 0.333 miles per HK$1 spend online and via mobile payment, which is boosted to 0.469 miles when overseas. Since the majority of large retailers accept mobile pay or have an online presence, modern cardholders can earn these high rates on nearly every purchase. For those times when contactless spend is not an option, cardholders can still earn 0.067 miles per HK$1 on their general local spend and 0.201 miles overseas.


In terms of perks, CCB eye Platinum Card offers discounts with popular fashion brands like Adidas and Armani Exchange, as well as up to 15% off select online merchants. What’s more, CCB eye Platinum Card offers an annual fee waiver, which allows cardholders to earn miles without worrying about added costs. Ultimately, modern consumers shopping with CCB eye Platinum Card can easily earn maintenance-free miles whether they prefer making purchases in-store or from the comfort of their home.

  • 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 is great for modern, tech-friendly consumers who primarily shop online and are comfortable making contactless payments with their smartphone. Consumers earn 0.333 miles per HK$1 spend online and via mobile payment, which is boosted to 0.469 miles when overseas. Since the majority of large retailers accept mobile pay or have an online presence, modern cardholders can earn these high rates on nearly every purchase. For those times when contactless spend is not an option, cardholders can still earn 0.067 miles per HK$1 on their general local spend and 0.201 miles overseas.


In terms of perks, CCB eye Platinum Card offers discounts with popular fashion brands like Adidas and Armani Exchange, as well as up to 15% off select online merchants. What’s more, CCB eye Platinum Card offers an annual fee waiver, which allows cardholders to earn miles without worrying about added costs. Ultimately, modern consumers shopping with CCB eye Platinum Card can easily earn maintenance-free miles whether they prefer making purchases in-store or from the comfort of their home.

Best Online & Shopping Cards for Overseas Spend

Fans of foreign brands should look into the cards below.

EarnMORE UnionPay Diamond Card: Highest Flat Cashback Rate with Luxury Perks

  • 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 offers top cashback on nearly every purchase, plus convenient perks that make travel more comfortable. Consumers earn a 2% rebate on every transaction–the highest flat rate on the market–for up to HK$2k cashback per year.


Consumers can also take advantage of travel perks like waived foreign transaction fees, up to 3 free lounge visits each year (with HK$12k spend over the preceding 2 months) and limo transfers at a discounted rate of HK$250 in Hong Kong and China. Other perks include UnionPay Year-Round Offers, which provide discounts at a wide array of shopping malls in Hong Kong. Altogether, EarnMORE UnionPay Diamond Card is great for consumers who want to earn top cashback both locally & overseas and enjoy convenient travel perks.

  • 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 offers top cashback on nearly every purchase, plus convenient perks that make travel more comfortable. Consumers earn a 2% rebate on every transaction–the highest flat rate on the market–for up to HK$2k cashback per year.


Consumers can also take advantage of travel perks like waived foreign transaction fees, up to 3 free lounge visits each year (with HK$12k spend over the preceding 2 months) and limo transfers at a discounted rate of HK$250 in Hong Kong and China. Other perks include UnionPay Year-Round Offers, which provide discounts at a wide array of shopping malls in Hong Kong. Altogether, EarnMORE UnionPay Diamond Card is great for consumers who want to earn top cashback both locally & overseas and enjoy convenient travel perks.

Standard Chartered Simply Cash Visa Card: Easy-to-Use & Unlimited 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
Standard Chartered Simply Cash Visa Card is an excellent option for high-spending shoppers looking to avoid caps on their cashback earnings. Consumers earn unlimited 2% cashback for spend in foreign currency and 1.5% cashback for spend in HKD, regardless of category. Cardholders earn these above-average rates whether the merchant is online or in-store, meaning that frequent online shoppers can access elevated rates whether they're buying from overseas merchants or shopping overseas.


Shoppers might also be interested in SC Simply Cash Visa Card's many merchant discounts, accessible through The Good Life and Visa Signature privileges. For example, cardholders can enjoy top savings on popular brands such as Clinique, Bose, Watsons & more.

SC Simply Cash Visa Card is quite accessible, with a minimum income requirement of just HK$96k. Nonetheless, its lack of a cashback limit makes it particularly attractive to high-spenders whose earnings may otherwise end up being capped. Additionally, the HK$2k fee is only waived for SC Bonus Payroll, Priority & Premium Banking customers, making it a better option for SC loyalists. Ultimately, SC Simply Cash Visa Card is a great option for high-spenders looking to earn unlimited cashback wherever they shop.

  • 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
Standard Chartered Simply Cash Visa Card is an excellent option for high-spending shoppers looking to avoid caps on their cashback earnings. Consumers earn unlimited 2% cashback for spend in foreign currency and 1.5% cashback for spend in HKD, regardless of category. Cardholders earn these above-average rates whether the merchant is online or in-store, meaning that frequent online shoppers can access elevated rates whether they're buying from overseas merchants or shopping overseas.


Shoppers might also be interested in SC Simply Cash Visa Card's many merchant discounts, accessible through The Good Life and Visa Signature privileges. For example, cardholders can enjoy top savings on popular brands such as Clinique, Bose, Watsons & more.

SC Simply Cash Visa Card is quite accessible, with a minimum income requirement of just HK$96k. Nonetheless, its lack of a cashback limit makes it particularly attractive to high-spenders whose earnings may otherwise end up being capped. Additionally, the HK$2k fee is only waived for SC Bonus Payroll, Priority & Premium Banking customers, making it a better option for SC loyalists. Ultimately, SC Simply Cash Visa Card is a great option for high-spenders looking to earn unlimited cashback wherever they shop.

Citi Cash Back Card: Rebates on Overseas, Hotel & Dining Spend

  • 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
Citi Cash Back Card is great for consumers who enjoy shopping overseas and buying foreign brands online. Cardholders earn an uncapped 2% on their dining, hotel and foreign currency spend, and 1% on all other spend. This allows consumers to earn unlimited heightened cashback on every purchase overseas. Consumers who make online purchases in foreign currency can also benefit from these rates, earning the same 2% cashback from the comfort of their home. As a result, Citi Cash Back is a great option for consumers who prefer shopping for overseas brands.


In terms of perks, Citi Cash Back provides access to Visa Signature and Citi World Privileges, which offer up to 10% discounts with select merchants on everything from jewellry & fashion to home furnishings & more. Purchases made with Citi Cash Back are also especially secure, as every purchase is protected against damage or loss by for up to US$7,600 in value, for 30 days. Ultimately, Citi Cash Back Card allows cardholders to shop safely while earning elevated cashback for purchases overseas.

  • 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
Citi Cash Back Card is great for consumers who enjoy shopping overseas and buying foreign brands online. Cardholders earn an uncapped 2% on their dining, hotel and foreign currency spend, and 1% on all other spend. This allows consumers to earn unlimited heightened cashback on every purchase overseas. Consumers who make online purchases in foreign currency can also benefit from these rates, earning the same 2% cashback from the comfort of their home. As a result, Citi Cash Back is a great option for consumers who prefer shopping for overseas brands.


In terms of perks, Citi Cash Back provides access to Visa Signature and Citi World Privileges, which offer up to 10% discounts with select merchants on everything from jewellry & fashion to home furnishings & more. Purchases made with Citi Cash Back are also especially secure, as every purchase is protected against damage or loss by for up to US$7,600 in value, for 30 days. Ultimately, Citi Cash Back Card allows cardholders to shop safely while earning elevated cashback for purchases overseas.

BEA UnionPay Dual Currency PLATINUM Credit Card: Highest Overall Cashback

  • 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons 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
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
BEA UnionPay Dual Currency PLATINUM Card provides consumers with an accessible option to conveniently spend overseas. Cardholders earn 1.2% cashback on local dining, and 0.8% cashback on other local and overseas spend, which is still notably above the market standard base rebate rate. Additionally, consumers who spend at least HK$2k/month can currently earn up to 10% cashback on local fast food, bakery and coffee shop mobile pay transactions.


In terms of perks, cardholders also enjoy separate billing for HKD and RMB spend and waived foreign currency transaction fees, making overseas shopping more convenient and less expensive. Overseas shoppers can especially benefit from year-round BEA offers like discounts on online bookings with KKday Hong Kong and more. Finally, with a minimum income requirement of only HK$40k and an already low HK$600 annual fee (waived with select BEA accounts) BEA UnionPay is one of the most accessible cards on the market. All in all, BEA UnionPay Dual Currency PLATINUM stands out for overseas shoppers seeking accessible, boosted cashback rates and convenience on their shopping sprees abroad.

  • Stand-Out: 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons 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
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
BEA UnionPay Dual Currency PLATINUM Card provides consumers with an accessible option to conveniently spend overseas. Cardholders earn 1.2% cashback on local dining, and 0.8% cashback on other local and overseas spend, which is still notably above the market standard base rebate rate. Additionally, consumers who spend at least HK$2k/month can currently earn up to 10% cashback on local fast food, bakery and coffee shop mobile pay transactions.


In terms of perks, cardholders also enjoy separate billing for HKD and RMB spend and waived foreign currency transaction fees, making overseas shopping more convenient and less expensive. Overseas shoppers can especially benefit from year-round BEA offers like discounts on online bookings with KKday Hong Kong and more. Finally, with a minimum income requirement of only HK$40k and an already low HK$600 annual fee (waived with select BEA accounts) BEA UnionPay is one of the most accessible cards on the market. All in all, BEA UnionPay Dual Currency PLATINUM stands out for overseas shoppers seeking accessible, boosted cashback rates and convenience on their shopping sprees abroad.

Citi Clear Card: Accessible Cashback on Foreign Brands

  • Annual fee: HK$300
  • 2% cashback on online spend made in a foreign currency
  • 0.4% cashback on all other spend
  • Citi World Privileges
Citi Clear Card is not only one of the most accessible cashback options for consumers on the market, it also provides elevated rewards for those purchasing foreign brands online. Cardholders earn 2% rebate on online purchases made in a foreign currency and 0.4% on all other spend. This online rate is higher than the market standard, and is accessible to even lower-earning consumers. In fact, Citi Clear Card has a minimum income requirement of just HK$60k and its annual fee is a very manageable HK$300. Because it's rather affordable, Citi Clear Card is a great fit for just about any online shopper who prefers overseas brands.


Beyond its rewards rate and accessibility, Citi Clear Card also stands out for its special shopping perks and discounts. Cardholders can enjoy savings with a variety of retail merchants, with spend-to-earn bonus vouchers at ifc mall, HKTVmall & more. Ultimately, Citi Clear Card is a great match for those with below-average incomes who still want rewards and discounts on their favourite overseas brands.

  • Annual fee: HK$300
  • 2% cashback on online spend made in a foreign currency
  • 0.4% cashback on all other spend
  • Citi World Privileges
Citi Clear Card is not only one of the most accessible cashback options for consumers on the market, it also provides elevated rewards for those purchasing foreign brands online. Cardholders earn 2% rebate on online purchases made in a foreign currency and 0.4% on all other spend. This online rate is higher than the market standard, and is accessible to even lower-earning consumers. In fact, Citi Clear Card has a minimum income requirement of just HK$60k and its annual fee is a very manageable HK$300. Because it's rather affordable, Citi Clear Card is a great fit for just about any online shopper who prefers overseas brands.


Beyond its rewards rate and accessibility, Citi Clear Card also stands out for its special shopping perks and discounts. Cardholders can enjoy savings with a variety of retail merchants, with spend-to-earn bonus vouchers at ifc mall, HKTVmall & more. Ultimately, Citi Clear Card is a great match for those with below-average incomes who still want rewards and discounts on their favourite overseas brands.

HSBC Visa Signature Card: Heightened Custom Rates for High Earners

  • 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
High earners looking for boosted cashback in their favourite categories should consider the HSBC Visa Signature Card. On top of the 1.6% cashback that consumers earn on spend overseas, in mainland China & Macau, and on home, lifestyle, entertainment & dining, consumers can allocate an additional +2% cashback to any one category, or split across multiple categories of their choice. Additionally, cardholders who spend at least HK$3k each quarter can enjoy +2% rebates on their online and overseas spending, which boosts online shopping cashback to an impressive 2.4% on every purchase.


In terms of perks, cardholders enjoy one free lounge access per month when they make a single transaction of at least HK$1.5k. Additional travel perks include discounts on travel bookings with Agoda, Morning Star Travel, KKDAY & more. Consumers should note that the minimum income requirement of HK$360k and annual fee of HK$2k make HSBC Visa Signature primarily accessible to high earners. Nonetheless, HSBC Visa Signature is worth considering for affluent consumers seeking heightened rates where they spend the most.

  • 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
High earners looking for boosted cashback in their favourite categories should consider the HSBC Visa Signature Card. On top of the 1.6% cashback that consumers earn on spend overseas, in mainland China & Macau, and on home, lifestyle, entertainment & dining, consumers can allocate an additional +2% cashback to any one category, or split across multiple categories of their choice. Additionally, cardholders who spend at least HK$3k each quarter can enjoy +2% rebates on their online and overseas spending, which boosts online shopping cashback to an impressive 2.4% on every purchase.


In terms of perks, cardholders enjoy one free lounge access per month when they make a single transaction of at least HK$1.5k. Additional travel perks include discounts on travel bookings with Agoda, Morning Star Travel, KKDAY & more. Consumers should note that the minimum income requirement of HK$360k and annual fee of HK$2k make HSBC Visa Signature primarily accessible to high earners. Nonetheless, HSBC Visa Signature is worth considering for affluent consumers seeking heightened rates where they spend the most.

Best Shopping Cards with 0% Interest Instalment Plans

These cards offer consumers the ability to spread larger purchases into manageable payments.

BlueCash Credit Card from American Express: Flat Cashback & Interest-Free Instalments

  • 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 can enjoy peace of mind as well as cashback on every purchase with BlueCash Credit Card from American Express. Cardholders earn 1.2% cashback on all spend, whether online or in-store and regardless of category. Cardholders making large transactions can also enjoy tailored 0% interest instalment plans for purchases at select merchants, making it easier to pay off big purchases over time.


BlueCash Credit Card also provides access to American Express Selects year-round offers for discounts on jewellery, fashion and more. Cardholders can also enjoy security with every purchase, with 45 Days Cover personal property insurance of up to HK$30k against accidental damage or theft, as well as an Online Fraud Protection guarantees. Altogether, BlueCash Credit Card is both easy-to-use and makes shopping online–including for big purchases–safe and manageable.

  • 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 can enjoy peace of mind as well as cashback on every purchase with BlueCash Credit Card from American Express. Cardholders earn 1.2% cashback on all spend, whether online or in-store and regardless of category. Cardholders making large transactions can also enjoy tailored 0% interest instalment plans for purchases at select merchants, making it easier to pay off big purchases over time.


BlueCash Credit Card also provides access to American Express Selects year-round offers for discounts on jewellery, fashion and more. Cardholders can also enjoy security with every purchase, with 45 Days Cover personal property insurance of up to HK$30k against accidental damage or theft, as well as an Online Fraud Protection guarantees. Altogether, BlueCash Credit Card is both easy-to-use and makes shopping online–including for big purchases–safe and manageable.

DBS COMPASS Visa: Cashback at Taobao & Tmall

  • 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
DBS COMPASS Visa Card is an excellent option for online shoppers making large purchases–especially those who make most of their retail purchases at Taobao and Tmall. Cardholders earn an impressive 3% COMPASS Dollar rebate at both of these merchants, plus 1% Compass Dollar rebates on beauty, electronics & more at Watsons, Fortress & other vendors. COMPASS Dollars can be applied to transactions with a variety of these vendors or converted to Asia Miles. Consumers can also take advantage of DBS’s 0% interest instalment plan, which lets cardholders split larger transactions into smaller payments.


Although general spend earns just a 0.4% COMPASS Dollars rebate, those who don’t mind shopping at specific stores can still earn impressive cashback. These rebate rates pair nicely with frequent merchant discounts offered exclusively to cardholders. Consumers can also enjoy peace of mind with shopping and fraud protections. All in all, consumers open to buying most of their goods with select merchants can easily benefit from DBS COMPASS Visa Card's high rates and convenient payment plans.

  • 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
DBS COMPASS Visa Card is an excellent option for online shoppers making large purchases–especially those who make most of their retail purchases at Taobao and Tmall. Cardholders earn an impressive 3% COMPASS Dollar rebate at both of these merchants, plus 1% Compass Dollar rebates on beauty, electronics & more at Watsons, Fortress & other vendors. COMPASS Dollars can be applied to transactions with a variety of these vendors or converted to Asia Miles. Consumers can also take advantage of DBS’s 0% interest instalment plan, which lets cardholders split larger transactions into smaller payments.


Although general spend earns just a 0.4% COMPASS Dollars rebate, those who don’t mind shopping at specific stores can still earn impressive cashback. These rebate rates pair nicely with frequent merchant discounts offered exclusively to cardholders. Consumers can also enjoy peace of mind with shopping and fraud protections. All in all, consumers open to buying most of their goods with select merchants can easily benefit from DBS COMPASS Visa Card's high rates and convenient payment plans.

Best Online & Shopping Cards for Brand Loyalists

Consumers who frequently shop at popular vendors should consider these brand-specific cards.

AEON UnionPay Credit Card: No-Fee AEON Shopping Card

  • Complimentary AEON Membership w/ special monthly deals
  • Promotions: Receive 3% cashback in 1st 2mo on spend (max HK$500), OR:
  • Receive interest-free card instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • Annual Fee: Free
  • 0.064 miles per HK$1 spend at AEON Stores, 0.032 miles on general spend
  • 5% discount at AEON on Thanksgiving Days (2nd & 20th of every mo)
  • Complimentary AEON membership and discounts
  • Waived foreign currency transaction fees & transactions made in mainland China settled in HKD
AEON UnionPay Credit Card is a great, no-fee card that allows frequent AEON customers to maximise miles and savings on every shopping spree. Cardholders earn 0.064 miles (2pts) per HK$1 spend at AEON stores, plus up to 5% discounts on "Thanksgiving Days" (the 2nd & 20th of every month). These savings are boosted further as consumers can access lower everyday prices with a free AEON membership. Discounts apply to all AEON stores, from AEON Supermarket and AEON Style to Molly Fantasy & more. Cardholders can even earn elevated miles for online purchases at AEON Card's e-Mall.


While general spend earns just 0.032 miles (1 pt) per HK$1 spend, select purchases at AEON are eligible for 0% interest instalment plans. This makes it easier to buy big-ticket items as payments can be spread over an extended period of time. AEON UnionPay Card also has no annual fee, making it truly a maintenance and stress-free card for brand loyalists.

  • Stand-Out: Complimentary AEON Membership w/ special monthly deals
  • Promotions: Receive 3% cashback in 1st 2mo on spend (max HK$500), OR:
  • Receive interest-free card instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • Annual Fee: Free
  • 0.064 miles per HK$1 spend at AEON Stores, 0.032 miles on general spend
  • 5% discount at AEON on Thanksgiving Days (2nd & 20th of every mo)
  • Complimentary AEON membership and discounts
  • Waived foreign currency transaction fees & transactions made in mainland China settled in HKD
AEON UnionPay Credit Card is a great, no-fee card that allows frequent AEON customers to maximise miles and savings on every shopping spree. Cardholders earn 0.064 miles (2pts) per HK$1 spend at AEON stores, plus up to 5% discounts on "Thanksgiving Days" (the 2nd & 20th of every month). These savings are boosted further as consumers can access lower everyday prices with a free AEON membership. Discounts apply to all AEON stores, from AEON Supermarket and AEON Style to Molly Fantasy & more. Cardholders can even earn elevated miles for online purchases at AEON Card's e-Mall.


While general spend earns just 0.032 miles (1 pt) per HK$1 spend, select purchases at AEON are eligible for 0% interest instalment plans. This makes it easier to buy big-ticket items as payments can be spread over an extended period of time. AEON UnionPay Card also has no annual fee, making it truly a maintenance and stress-free card for brand loyalists.

Hang Seng enJoy Card: Everyday Rebates with Select 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.

American Express I.T Cashback Card: Max Rebates on I.T Store Spend

  • 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 fashion-conscious consumers who frequently shop at I.T. Cardholders not only earn 2% cashback on all spend at the store, they also receive up to 10%+ discounts on select items. These discounts are boosted to 15% if the cardholder is also a member of I.T's VIP program. Outside of I.T, consumers still earn a respectable 1.2% cashback on general spend. Although cashback at I.T stores is capped at HK$1.2k each year, this still gives consumers the opportunity to earn up to HK$100 every month on their fashion purchases.


Finally, cardholders can take advantage of online fraud protection and "45 Days Cover" personal property insurance on every purchase–at I.T or otherwise. This, paired with its easily achieved annual fee waiver, makes American Express I.T Cashback Card a safe and easy way for consumers to earn impressive cashback on their favourite fashion purchases.

  • 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 fashion-conscious consumers who frequently shop at I.T. Cardholders not only earn 2% cashback on all spend at the store, they also receive up to 10%+ discounts on select items. These discounts are boosted to 15% if the cardholder is also a member of I.T's VIP program. Outside of I.T, consumers still earn a respectable 1.2% cashback on general spend. Although cashback at I.T stores is capped at HK$1.2k each year, this still gives consumers the opportunity to earn up to HK$100 every month on their fashion purchases.


Finally, cardholders can take advantage of online fraud protection and "45 Days Cover" personal property insurance on every purchase–at I.T or otherwise. This, paired with its easily achieved annual fee waiver, makes American Express I.T Cashback Card a safe and easy way for consumers to earn impressive cashback on their favourite fashion purchases.

Citi Rewards Card: Miles on Local Brands & Telecom Bill

  • 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 an excellent option for consumers who do most of their shopping in Hong Kong. Cardholders earn 0.333 miles per HK$1 spend with select local department stores, supermarkets, and telecom providers, as well as 0.067 miles per HK$1 spend on everything else. Select merchants include popular retailers like Wellcome, PARKnSHOP, AEON, SOGO, China Mobile and more. In addition, Citi Rewards Card's heightened miles rate for payment of telecom bills from major providers is very rare amongst credit cards in Hong Kong.


Finally, Citi World Privileges provide up to 10%+ discounts on online bookings with Agoda, Expedia and more. Altogether, Citi Rewards Card is an excellent option for Hong Kongers who often shop for essentials with select local brands.

  • 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 an excellent option for consumers who do most of their shopping in Hong Kong. Cardholders earn 0.333 miles per HK$1 spend with select local department stores, supermarkets, and telecom providers, as well as 0.067 miles per HK$1 spend on everything else. Select merchants include popular retailers like Wellcome, PARKnSHOP, AEON, SOGO, China Mobile and more. In addition, Citi Rewards Card's heightened miles rate for payment of telecom bills from major providers is very rare amongst credit cards in Hong Kong.


Finally, Citi World Privileges provide up to 10%+ discounts on online bookings with Agoda, Expedia and more. Altogether, Citi Rewards Card is an excellent option for Hong Kongers who often shop for essentials with select local brands

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.