Best Cash Back Credit Cards in Hong Kong 2025

New Citibank Customers can get MoneyHero Exclusive reward with PHILIPS ADD6920BK RO Water Dispenser (valued at HK$4,288) / Dyson Supersonic Nural™ hair dryer HD16 (valued at HK$3,980; random color) / Dyson Hot + Cool™ Fan Heater AM09 (valued at HK$3,380) / Usatisfy mini wireless speaker 4K projector (valued at HK$2,499) / LOJEL Alto 29" Large Luggage x2 units (total value of HK$4,200) / HK$2,000 Apple Store Gift Card / HK$2,000 Wellcome Shopping Voucher

Requirements

• From 01 September 2025 6 pm till 08 September 2025 6 pm: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
• On or before 06 November 2025: The card must be approved by Citibank
• Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
• Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards

Tips

• Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
• Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
• The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
• If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions

• Customers would not be eligible to Citi welcome offer if obtained MoneyHero exclusive offer.

Citigold account opening offer

Limited time offer! Citi credit card customers+ to open a Citigold account successfully can enjoy extra 1% p.a. time deposit rate* and up to HK$87,000 cash rebate!

+Citi credit card customers refer to customers who are the primary cardholder of an approved and valid Citi credit card as of September 30, 2025 and the application of Citi credit card submitted on or before banking account opening date.

*The offer is applicable to 3-month HKD, USD, and RMB time deposits with new fund

Click here for more details

From now till 19 September 2025 6 p.m.

• New Credit Card cardholders* who successfully apply for Hang Seng MMPOWER World Mastercard® via MoneyHero and spent HK$100 within 30 calendar days after approval are entitled to Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980, random colour) OR NESCAFÉ® Dolce Gusto® Genio S Plus with 6 boxes coffee capsules (valued at HK$1,780) OR Marshall Major IV headphones (valued at HK$1,299; random color) OR HK$800 Apple Store Gift Card OR HK$800 Wellcome Shopping Voucher OR HK$800 Cash Rebate (Deposited via FPS Account)

Important dates:

• Within 30 days after card issuance: The card must be approved by Hang Seng.
  • New Credit Card customers* - Spent HK$100 within 30 calendar days after approval.

• How to redeem Moneyhero Exclusive Offer?
  • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
  • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
  • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
• Tips:
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • If you have concerns regarding the redemption process, please refer to the Terms and Conditions
    • Hang Seng MMPOWER World Mastercard®
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

*“New Credit Card Customers” refer to applicants who are not currently holding Hang Seng MMPOWER World Mastercard® and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application.

From now till 19 September 2025 6 p.m.

• Existing Credit Card cardholders^ who successfully apply for Hang Seng MMPOWER World Mastercard® via MoneyHero and spent HK$100 within 30 calendar days after approval are entitled to NESCAFÉ® Dolce Gusto® Genio S Plus with 6 boxes coffee capsules (valued at HK$1,780) OR Marshall Willen II Bluetooth Speaker (valued at HK$999) OR Braun MultiFry 3 AirFryer HF3000 (valued at HK$988) OR HK$600 Apple Store Gift Card OR HK$600 Wellcome Shopping Voucher OR HK$600 Cash Rebate (Deposited via FPS Account)

Important dates :

• Within 30 days after card issuance: The card must be approved by Hang Seng.
  • Existing Credit Card customer - Spent HK$100 within 30 calendar days after approval.

• How to redeem Moneyhero Exclusive Offer?
  • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
  • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
  • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
• Tips:
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • If you have concerns regarding the redemption process, please refer to the Terms and Conditions
    • Hang Seng MMPOWER World Mastercard®
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

^“Existing Credit Card Customers” who are currently holding Hang Seng MMPOWER World Mastercard® and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.

Valid until 31 December 2025, successfully apply Hang Seng MMPOWER World Mastercard, and make HK$5,000 eligible spending within 60 days from the date of card issuance, can enjoy the following welcome offer:

• New Customers: $700 +FUN Dollars
• Existing Customer: $300 +FUN Dollars
• Full-time University/Tertiary Students who has made HK$2,000 eligible spending within 60 days from the date of card issuance is entitled to get $300 +FUN Dollars

• New Standard Chartered Credit Card Customers get rewarded with Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980, random colour) OR NESCAFÉ® Dolce Gusto® Genio S Plus with 6 boxes coffee capsules (valued at HK$1,780) OR Marshall Emberton I Bluetooth Speaker (valued at: HK$999) OR HK$800 Apple Store Gift Card OR HK$800 Wellcome Shopping Voucher OR HK$800 HKTVmall e-Gift Voucher by fulfilling the following requirements:
  • From 01 September 2025 6 p.m. to 30 September 2025 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero
  • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
  • On or before 31 October 2025: The card must be approved by Standard Chartered, subject to the Bank’s system records.
  • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
• Tips:
  • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
  • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
  • Terms and Conditions Apply.
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

Open a Mox Account successfully with the promo code "1200MOXMH", successfully opened Mox account via MoneyHero and sucessfully apply CashBack Credit Card after approval to enjoy: HK$200 Cash Reward (provided by Mox)

• From 31 July 2025 6 p.m. to 31 August 2025 11:59 p.m.: New customers open Mox Account via promo code and complete the Mox Account opening process the following 15 days
• The Mox CashBack Credit Card must be approved by Mox within 30 days after opening the Mox Bank Account, subject to the Bank’s system records

• "1200MOXMH" Invitation Code Promotion Terms and Conditions apply.

• To borrow or not to borrow? Borrow only if you can repay!

Open a Mox Account successfully with the promo code "1200MOXMH", successfully apply for Mox Credit Card via MoneyHero and spend HK$2,000 within 60 calendar days after approval to enjoy extra: Delsey 30” Top-Lip Opening 4 Wheels Travel Suitcase (valued at HK$4,980, random colour) OR Siroca Fully automatic stone mortar coffee grinder (valued at HK$1,999) OR Philips RO Instant Hot Water Dispenser ADD6901 (valued at HK$1,998；random color) OR HK$1,500 Apple Store Gift Card OR HKTVmall e-Gift Voucher OR Wellcome Voucher OR HK$1,300 Cash Rebate (Deposited via FPS Account)

• From 31 July 2025 6 p.m. to 3 September 2025 6 p.m.: New customers open Mox Account via promo code and complete the Mox Account opening process the following 15 days
• Within 14 days of after receiving the reward redemption code email from Mox when your Mox Credit spending requirement is completed: Submit the reward redemption form sent via email previously
• The Mox Credit Card must be approved by Mox within 30 days after opening the Mox Bank Account, subject to the Bank’s system records

• Tips:
  • Successfully apply Mox Credit Card within 30 days of invitation code usage and accumulate spending of HK$2,000 within 60 calendar days after approval to receive an email with application reference number (7 or 9 alpha-numeric digits) from Mox in 14 working days.

  • Please submit the reward redemption form sent via email previously within 14 days of after successfully fulfilling the required spending.

  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process. After successfully fulfilling the spending requirement, you will receive an email notice with application reference number (7 or 9 alpha-numeric digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
  • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
  • Terms and Conditions and "1200MOXMH" Invitation Code Promotion Terms and Conditions apply.
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

• From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. From 4 November 2024, if you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction. “Eligible Balance” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance’.

• Selected Merchants 3% Cash Reward Promotion Terms and Conditions applies.

• Mox Disclaimer applies.

• To borrow or not to borrow? Borrow only if you can repay!

Exclusive Trip.com hotel and flight offers + CashBack

Promotion Period: From now until 31 December 2025

Valid for hotel stays and flight departures: From now until 15 January 2026

• During the promotion period, Mox customers can enjoy exclusive discount offers when booking hotels or flights via a specified page on Trip.com directed from our specified link. Simply use Mox Credit Card and enter the unique promo codes below for instant savings
• Offer 1: Enjoy a 6% discount on hotel bookings with promo code “MOXH” (applicable to room rates and taxes only)
• Offer 2: Get discounts on flights with promo code “MOXF”: Get HK$50 off for orders over HK$2,000 or HK$100 off for orders over HK$4,000 (applicable to adult ticket fares only, excluding taxes and other surcharges)
• Rack up even more rewards after enjoying exclusive offers – get an extra 3% CashBack!

• Selected Merchants 3% Cash Reward Promotion Terms and Conditions applies.

• Mox Credit X Trip.com Hotel and Flight Offer Terms and Conditions apply.

• Mox Disclaimer applies.

• To borrow or not to borrow? Borrow only if you can repay!

New CNCBI Credit Card Customers get rewarded and spent HK$100 within 30 calendar days after approval are entitled to Braun MultiFry 3 AirFryer HF3000 (valued at HK$988) / Laifen Mini Ionic High-Speed Hair Dryer (Comes with a standard smooth nozzle and travel bag) (value of HK$799) / HK$500 Apple Store Gift Card / HK$500 Wellcome Shopping Voucher / HK$500 Cash Rebate (Deposited via FPS Account)

Requirements

• Valid until 30 September 2025 6pm: Successfully apply for the designated CNCBI Credit Card(s) and submit the reward redemption form via MoneyHero
• On or before 31 October 2025: The designated card must be approved by CNCBI.
• Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.

Tips

• Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
• Upload all required documents, including ID card, income and address proof, when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
• Designated card(s) include CNCBI Hong Kong Airlines Mastercard®, CNCBI Motion Credit Card and CNCBI GBA Dual Currency Credit Card.
• Each Eligible Card Customer can only enjoy one MoneyHero Exclusive Offer regardless of the number of card application

• Only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications.

• Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
• If you have concerns regarding the redemption process, please refer to the Terms and Conditions.

New Citibank Customers can get MoneyHero Exclusive reward with PHILIPS ADD6920BK RO Water Dispenser (valued at HK$4,288) / Dyson Supersonic Nural™ hair dryer HD16 (valued at HK$3,980; random color) / Dyson Hot + Cool™ Fan Heater AM09 (valued at HK$3,380) / Usatisfy mini wireless speaker 4K projector (valued at HK$2,499) / LOJEL Alto 29" Large Luggage x2 units (total value of HK$4,200) / HK$2,000 Apple Store Gift Card / HK$2,000 Wellcome Shopping Voucher

Requirements

• From 01 September 2025 6 pm till 08 September 2025 6 pm: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
• On or before 06 November 2025: The card must be approved by Citibank
• Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
• Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards

Tips

• Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
• Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
• The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
• If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions

• Customers would not be eligible to Citi welcome offer if obtained MoneyHero exclusive offer.

Citigold account opening offer

Limited time offer! Citi credit card customers+ to open a Citigold account successfully can enjoy extra 1% p.a. time deposit rate* and up to HK$87,000 cash rebate!

+Citi credit card customers refer to customers who are the primary cardholder of an approved and valid Citi credit card as of September 30, 2025 and the application of Citi credit card submitted on or before banking account opening date.

*The offer is applicable to 3-month HKD, USD, and RMB time deposits with new fund

Click here for more details

New CNCBI Credit Card Customers get rewarded and spent HK$100 within 30 calendar days after approval are entitled to Braun MultiFry 3 AirFryer HF3000 (valued at HK$988) / Laifen Mini Ionic High-Speed Hair Dryer (Comes with a standard smooth nozzle and travel bag) (value of HK$799) / HK$500 Apple Store Gift Card / HK$500 Wellcome Shopping Voucher / HK$500 Cash Rebate (Deposited via FPS Account)

Requirements

• Valid until 30 September 2025 6pm: Successfully apply for the designated CNCBI Credit Card(s) and submit the reward redemption form via MoneyHero
• On or before 31 October 2025: The designated card must be approved by CNCBI.
• Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.

Tips

• Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
• Upload all required documents, including ID card, income and address proof, when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
• Designated card(s) include CNCBI Hong Kong Airlines Mastercard®, CNCBI Motion Credit Card and CNCBI GBA Dual Currency Credit Card.
• Each Eligible Card Customer can only enjoy one MoneyHero Exclusive Offer regardless of the number of card application

• Only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications.

• Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
• If you have concerns regarding the redemption process, please refer to the Terms and Conditions.

New DBS Credit Card cardholders are entitled to get MoneyHero Exclusive reward with Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980, random colour) / NESCAFÉ Dolce Gusto Genio S Plus Coffee Machine with 6 boxes coffee capsules (Valued at HK$1,780 ; random colour) / PHILIPS ADD4911 Water Dispenser (valued at HK$898; random colour) / Insta360 Flow 2 AI Tracker Kit (valued at HK$819) / HK$800 Trip.com Gift Card / HK$800 HKTVmall e-Gift Voucher / HK$800 Apple Store Gift Card

• How to redeem MoneyHero exclusive offer?
  • From 01 September 2025 10 a.m. till 30 September 2025 10 a.m.: Successfully apply for the DBS Black World Mastercard® / DBS Eminent Visa Signature Card / DBS Eminent Visa Platinum Card and submit redemption form via MoneyHero.
  • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
  • On or before 31 October 2025: The card must be approved by DBS, subject to the Bank’s system records.
  • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with DBS.
• Tips:
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • Terms and Conditions apply
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

• Promotion Period: From 04 July 2025 to 02 October 2025 (both dates inclusive)

• During the promotion period, new customers who make eligible purchases with the new card within 3 months after the issuance date of the new card and successfully apply for Flexi Shopping with a one-time handling fee through the DBS Card+ mobile app ("DBS Card+") For the 3, 6 or 12-month installment plan ("Eligible Flexi Shopping"), you can receive an amount equal to the one-time handling fee charged by the eligible Flexi Shopping or up to HK$200 (whichever is lower).

• Terms and Conditions apply

New Customers^ are entitled to receive the applicable welcome gift set out below after fulfilling the relevant spending requirements within 3 months from card issuance date:

• 10% Cash Rebate (“Cash Rebate”) on Eligible Spending, with a maximum limit of up to HK$500 Cash Rebate: 
  • accumulate retail spending ("Eligible Spending") of HK$3,000 or above with the New Card within Spending Period; and/or
  • designated Instant Cash Service: the approved cash out amount that the New Customer has successfully applied for “Instant Cash” service via online (The Eligible Spending amount of this item is up to HK$3,000, and the maximum cash rebate is HK$300); and/or
• Extra HK$100 Cash Rebate (“Extra Cash Rebate”): 
  • HK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service; or
  • apply 12-month or above Flexi Shopping Programme
• HK$50 InstaRedeem Discount
  Successfully activated the physical new card via DBS Card+ within 2 month from card issuance date

• New customers^ need to download and activate DBS Card+ account within 2 month after new card issuance

• Existing customers^ can also enjoy HK$50 InstaRedeem Discount by activating the physical new card via DBS Card+ app within 2 months after its issuance

• For details: https://www.dbs.com.hk/personal/credit-cards/credit-cards/eminent-card

^”New Customers” shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS Bank (Hong Kong) Limited. “Existing Customers" shall mean applicants who, during the New Card approval process have applied for, currently hold, or in the 12 months prior to the date of application for the New Card, have held and/or cancelled any DBS Credit Card issued by DBS Bank (Hong Kong) Limited.

MoneyHero Exclusive Offer: HK$100 Wellcome Shopping Voucher + HK$100 cash rebate

• From 1 September 2025 6 p.m. till 30 September 2025 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 Welcome Shopping Voucher + HK$100 cash rebate.
• How to redeem MoneyHero exclusive offer?
  • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
  • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
• Tips:
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
  • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

Welcome Offer

• Spend HK$8,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date:
  • LG 27-inch Full HD IPS Smart Monitor; or
  • Marshall Emberton II Bluetooth Speaker
• Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date:
  • HK$500 Cash Rebate; or

• Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from the card issue date (only applicable to Full-time University / Tertiary Student):

  • HK$200 Cash Rebate; or
• Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program (No spending requirement)

• Terms and Conditions apply