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Citi Cash Back Card

Citi Cash Back Card

MoneyHero Exclusive OfferFeatured Product
Citi Cash Back Card
$120,000
Min. Annual Income
MoneyHero Exclusive Offer:
[Till 10 May] Get rewarded with a set of Sony WH-1000XM3 Wireless Noise Cancelling Headphones (worth HK$2,890) OR Island Shangri-La Deluxe Staycation Voucher (worth HK$1,980) OR HK$1,100 Apple Gift Card exclusively from MoneyHero, plus HK$800 supermarket coupon as welcome giftCC_CITI_CAMPAIGN_APR_202104
4% rebate on food delivery from designated merchants; 2% rebate for local dining, local hotel spending and foreign currency spending with no cap
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
4% rebate on food delivery from designated merchants; 2% rebate for local dining, local hotel spending and foreign currency spending with no cap
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
CNCBI Motion Credit Card

CNCBI Motion Credit Card

MoneyHero Exclusive OfferFeatured Product
CNCBI Motion Credit Card
$150,000
Min. Annual Income
0.55%
Overseas Spending - Cashback Rate
0.55%
Local Spending - Cashback Rate
MoneyHero Exclusive Offer:
Enjoy up to HK$1,500 Cash Rebate (including HK$500 Cash Rebate exclusively from MoneyHero)
Up to 5% Cash Rebate on Online Spending
First year annual fee waiver
Up to 5% Cash Rebate on Online Spending
First year annual fee waiver
Hang Seng MPOWER Card

Hang Seng MPOWER Card

Hang Seng MPOWER Card
$150,000
Min. Annual Income
Register to enjoy up to 8% Cash Dollars rebate on online transactions and mobile payment
No income requirement for students
Register to enjoy up to 8% Cash Dollars rebate on online transactions and mobile payment
No income requirement for students
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

MoneyHero Exclusive Offer
Standard Chartered Smart Credit Card
$96,000
Min. Annual Income
0.55%
Overseas Spending - Cashback Rate
MoneyHero Exclusive Offer:
Up to HK$1,600 CashBack as welcome gift, plus HK$350 supermarket coupon exclusively from MoneyHero
Up to 5% CashBack on selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE; Perpetual annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Up to 5% CashBack on selected merchants like DON DON DONKI, PARKnSHOP and 759 STORE; Perpetual annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

MoneyHero Exclusive Offer
PrimeCredit WeWa UnionPay Diamond Card
$150,000
Min. Annual Income
MoneyHero Exclusive Offer:
Nespresso Essenza Mini Coffee Machine / Nintendo Switch Software Ring Fit Adventure as welcome offer; plus HK$550 cash rewards exclusively from MoneyHero
4% rebate on Travel, Cinema, Karaoke, Theme park spending
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
4% rebate on Travel, Cinema, Karaoke, Theme park spending
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Citi Rewards UnionPay Card

Citi Rewards UnionPay Card

MoneyHero Exclusive Offer
Citi Rewards UnionPay Card
$120,000
Min. Annual Income
0.4%
Overseas Spending - Cashback Rate
MoneyHero Exclusive Offer:
[Till 10 May] Get rewarded with a set of Sony WH-1000XM3 Wireless Noise Cancelling Headphones (worth HK$2,890) OR Island Shangri-La Deluxe Staycation Voucher (worth HK$1,980) OR HK$1,100 Apple Gift Card exclusively from MoneyHero, plus up to 300,000 Points (HK$1,200 Cash Rebate) as welcome gift
Spending made via QuickPass: 4% cash rebate; Spending made via UnionPay QR Code Payment: 2.4% cash rebate
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Spending made via QuickPass: 4% cash rebate; Spending made via UnionPay QR Code Payment: 2.4% cash rebate
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
HSBC Visa Signature Card

HSBC Visa Signature Card

Latest Offer
HSBC Visa Signature Card
$360,000
Min. Annual Income
Latest Offer:
Successfully apply to enjoy up to $800 RewardCash
Year-round spending rewards up to 3.6% RewardCash rebate (equivalent to HK$2.78 per air mile)
First 2 years annual fee waiver
Year-round spending rewards up to 3.6% RewardCash rebate (equivalent to HK$2.78 per air mile)
First 2 years annual fee waiver
HSBC Visa Platinum Card

HSBC Visa Platinum Card

Latest Offer
HSBC Visa Platinum Card
$150,000
Min. Annual Income
Latest Offer:
Successfully apply to enjoy up to $800 RewardCash
Year-round spending rewards up to 2.4% RewardCash rebate (equivalent to HK$4.17 per air mile)
First 2 years annual fee waiver
Year-round spending rewards up to 2.4% RewardCash rebate (equivalent to HK$4.17 per air mile)
First 2 years annual fee waiver
PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

MoneyHero Exclusive Offer
PrimeCredit EarnMORE UnionPay Diamond Card
$150,000
Min. Annual Income
MoneyHero Exclusive Offer:
DYSON V7 Fluffy+ Wireless Vacuum Cleaner / Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome offer; plus HK$550 cash rewards exclusively from MoneyHero
Enjoy 2% direct cash rebate; 3-month interest-free credit card transaction instalment plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Enjoy 2% direct cash rebate; 3-month interest-free credit card transaction instalment plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

MoneyHero Exclusive Offer
CNCBI GBA Dual Currency Credit Card
$150,000
Min. Annual Income
MoneyHero Exclusive Offer:
Enjoy up to HK$1,300 Cash Rebate (including HK$500 Cash Rebate exclusively from MoneyHero)
Up to 4% Cash Rebate on RMB spending in the first 6 months
First year annual fee waiver
Up to 4% Cash Rebate on RMB spending in the first 6 months
First year annual fee waiver
Need some help?
No worries, we've got you covered!
How many types of credit cards in Hong Kong? How should I choose my credit cards?

The main types of credit cards in Hong Kong are VISA and MasterCard, followed by American Express and JCB.

In order to choose the best credit card, you can consider the popularity and offers of the card types, and also the reputation of banks, class of the credit cards, etc. Many people own several credit cards to meet different needs nowadays. Also, you can consider your spending habits and choose Cash Back Credit Cards, Airmiles Credit Cards, Dining Credit Cards, Online Shopping Credit Cards, Premium Credit Cards, Corporate Credit Cards, Entry Level / Student Credit Cards, UnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

What is a Cashback Credit Card?

A Cashback Credit Card allows you to earn a percentage of your spending back by using your card frequently and making repayments on time.

How Cashback Cards work?

The cashback amount can be credited back to your credit card account or paid to you separately. Some providers may also offer other rewards instead of cash so that you can redeem exclusive gifts at steep discounts. Many banks in Hong Kong such as American Express, DBS, Citibank and HSBC offers generous cashback rewards to attract more customers.

Before you sign up for a Cashback Credit Card, determine which benefits are more important to you. If you're looking for discounts at your favourite store, then a co-branded Credit Card may be the best Cashback Credit Card for you. If you travel often, you might want to look for cards that give you good discounts on overseas spending. MoneyHero makes it easy to compare Cashback Credit Cards and we help you easily find the one that will offer you the best features.

How to Earn Cashback?

Some Cashback Credit Cards providers require you to spend a minimum amount before you can start earning rewards. Providers may also limit the amount of Cashback rewards you can earn, while others implement caps on how much you can spend for certain categories. It's also common for providers to set an increase in cashback return rates for certain categories within a specified period which are worth taking advantage of.

The best way to maximize cashback points is to choose a card that lets you earn rewards that matter to you. If you're serious about pursuing cashback rewards, you must make sure to fully understand the terms and conditions of your selected credit card. Terms are always subject to change, so it's important to always stay educated on these.

What purchases are eligible for cash back rewards?

You can earn cash back on the credit card only if you make eligible purchases, while card issuers and even credit cards have different requirements for 'eligible purchases'. Many cash back credit cards only calculate local and overseas retail purchases, but not spending like installment amount, internet banking bill payment service, auto-pay service and Octopus automatic add value service. With the popularity of mobile payment, Apple Pay and Android Pay have been included in some credit cards' "eligible purchases". Please read and fully understand your credit card's terms and conditions to earn more cash back rewards. 

How to choose the best cash back credit card?

The first factor to consider when choosing a cash back credit card is annual fee; while a no-annual-fee credit card may not be the best card, just make sure that the fee should not exceed your cash back rewards.

Furthermore, the card's cash back rewards system is also an important consideration for picking the best credit card, which includes welcome bonus, cash back percentage, redemption policy, cash back limit and minimum spending.

Some banks offer higher cash back rates on certain spending categories or specific shops, such as department stores, supermarkets and travel agencies. You should choose a credit card based on your purchase behavior to earn more cash back.

What are the advantages of using a cash back credit card?

Earning cash back rewards with credit cards can deduct next time's actual spending, which means you can enjoy shopping "discounts" even when the shop doesn't have a promotion. Some credit cards offer reward points in addition to cash rebates -- which is definitely a double offer!

What is the usual cash back rate?

Generally cash back rates are between 0.4% and 1%, which means you get HK$0.4 to HK$1 on every HK$100 you spend. Some credit cards offer special rates for certain spending categories, like dining and overseas spending, which you earn cash back as much as 4%.

What should I keep in mind when using a cash back credit card?

In addition to looking at the cash back plans and annual fees, you should always keep in mind that most of the cash back credit cards have welcome offer promotions, which you can earn extra cash back once you have spent designated amount within a certain period of time. You are suggested to choose your credit cards according to your personal spending preference.

Also, cash back credit cards for overseas spending may charge a foreign currency handling fee, which lowers the cash back rate, so we suggest that you should check if these fees apply before applying for the credit cards.

How do I choose the best cashback credit card?

Apart from comparing the offers and rewards, you also need to look at the cash back rates, annual fees, interest rates, penalty charges and terms and conditions of the credit cards. With an advanced credit card comparison tool like MoneyHero, this task has been made much easier for consumers like you. With just a few clicks of a button, you can easily compare different credit cards in Hong Kong and see which one is most suitable for your needs.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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Disclaimer: MoneyHero makes every effort to keep information on our website accurate and up-to-date. This information may be different from what you see when you visit a financial institution or service provider’s site. APR and monthly payments shown in personal instalment loan comparison pages are estimated based on calculation of information you enter. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies in information, please contact the financial institution directly.

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