Best Cash Back Credit Cards in Hong Kong 2026

• Most suitable for customer who has big spending in short period 
• Earn the welcome offer with a cost-free strategy by using e-wallet transactions (PayMe / Alipay HK) which count towards the welcome spending requirement

• Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.
  • 2% rebate on local dining spending
  • 2% rebate on local hotel spending
  • 2% rebate on spending in foreign currency
  • 1% unlimited rebate on other spending
  • Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
• Purchase Protection Insurance
  • Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.

• First year annual fee waiver

• The MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
• Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
  • Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.

• Credit Card Key Features
  • Welcome Rewards: New customers can receive up to $700 +FUN Dollars; existing customers can receive up to $300 +FUN Dollars.
  • Online Shopping & Designated Merchants, Online Entertainment, Online Fashion Spending : Up to 8% +FUN Dollars
  • Other Online Shopping：Up to 5% +FUN Dollars
  • Foreign Currency Spending：Up to 4% +FUN Dollars
  • Daily Spending Rewards: Earn a base rebate of 0.4% +FUN Dollars on all eligible spending.

• Rebates & Offer Details
  • MMPOWER +FUN Dollars Rewards Program
    • Monthly eligible spending is now HK$3,000.
      Better yet, full-time university/tertiary students enjoy no spending threshold—earn +FUN Dollars from your very first eligible transaction!
      • Online Fashion Spending: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
        • Including Adidas、FARFETCH、NIKE and ZALORA etc.
      • Online Entertainment: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
        • Streaming Platforms: Apple TV/Music, Disney+, HBO Max, Netflix, Spotify, Viu and YouTube
        • Local Cinemas: Broadway Circuit, Emperor Cinemas, Bestarfilm Cinemas (formerly Golden Harvest Cinemas) and MCL Cinema (only ticket purchases are eligible, food and beverage purchases are excluded from this category)
        • Ticketing Platforms: Cityline, KKTIX and URBTIX
        • Local Theme Parks: Hong Kong Disneyland and Ocean Park Hong Kong
      • Designated Merchants: Up to 8% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 7.6% +FUN Dollars)
        • Refer to the terms and conditions of the “Hang Seng MMPOWER World Mastercard +FUN Dollars Rewards Programme” on the Hang Seng Bank website for the list of Designated Merchants and more details.
      • Online Shopping：Up to 5% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 4.6% +FUN Dollars)
      • Foreign Currency Spending：Up to 4% +FUN Dollars (including basic 0.4% +FUN Dollars + extra 3.6% +FUN Dollars)
    • Note: The total monthly cap for extra rebates is $500 +FUN Dollars (including the 0.4% base rebate).
• World Mastercard Exclusive Perks
  • Private Concierge: Personalized airport meet-and-greet, assistance with check-in, and transfer services.
• Base Reward Rate: Earn $1 +FUN Dollar for every HK$250 spent.

• Important Notes
  • Existing Hang Seng customers can log on to Hang Seng Mobile App for a quicker application and processing - the system will automatically fill in your personal information from their records and the promo code. Upon login, the promo code will be pre-filled in the application form.
  • Registration Requirement: Customers must register for the MMPOWER Rewards Program on the official Hang Seng website and meet the minimum monthly spending requirement to qualify for extra rebates.
  • Definition of New Customer: Applicants who do not currently hold, and have not held in the past 12 months, any Hang Seng Credit Card, Co-branded card, or Spending Card principal card.
  • Welcome Reward Restrictions: You are ineligible for the welcome gift if you held an MMPOWER card in the past 12 months. If the account is cancelled within 13 months of opening, the welcome reward must be returned.
  • Crediting Period: +FUN Dollars will be credited to the eligible account within 3 months. The account must remain valid at the time of crediting.
  • Validity: +FUN Dollars earned are valid for 24 months from the card's anniversary month.
  • Disclaimer: MoneyHero strives for accuracy. If information differs from the financial institution or product provider, the provider’s website shall prevail. Please refer to official websites for the most updated terms.
  • To borrow or not to borrow? Borrow only if you can repay! Rewards and offers are subject to Terms and Conditions.

• Welcome offer of up to HK$1,000 cashback
• Enjoy up to 5% CashBack* year-round at Designated Merchants, applicable to both online and offline spending (HK$1 CashBack for every HK$20 spent).
  • Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
  • Beauty & Health care: Watsons, Sasa
  • Food and beverage: McDonald’s Hong Kong, Foodpanda
  • Sport & Entertainment: Klook
  • Digital Lifestyle: China Mobile Hong Kong and s/ash
  • All spending at selected merchants is eligible for 5% cashback throughout the year
  • A minimum of HK$4,000 eligible spending per month is required; otherwise, no cashback will be earned for that month
  • Agoda hotel offer: Standard Chartered cardholders can enjoy up to 7% off global hotel bookings
  • 1.95% foreign transaction fee waiver: No extra fee for overseas or online foreign currency spending
  • No cash advance service fee
• Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
• Perpetual annual fee waiver

• 	Extra CashBack		Basic CashBack		Total CashBack#
  Monthly Eligible Spending*	CashBack for Eligible Transactions made at Designated Merchants	Spending Cap per Monthly Statement Cycle	CashBack for Eligible Transactions	Spending Cap per Monthly Statement Cycle
  HKD 4,000 to HKD 14,999	4.44%	HKD5,000^	0.56%	No Cap	5%
  HKD 15,000	3.80%		1.2%		5%

• Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
  • New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
• You are required to redeem CashBack through the 360° Rewards Redemption Platform.
  • The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
  • Cardholders are required to redeem CashBack through the platform.
  • The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.

• Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
  
  To borrow or not to borrow? Borrow only if you can repay!

• First year annual fee waiver 
• Welcome Offer Option 1: 10% Cash Rebate on spending in foreign currencies
  New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate!
• Welcome Offer Option 2: Enjoy HK$600 Cash Rebate
  New credit card customers who accumulate HK$6,000 or above in retail spending within the first 2 months from the card issuance date (“Spending Period”) with the CNCBI Motion Credit Card will be entitled to HK$600 cash rebate.
• 6% Cash Rebate on dining and online spending all year round
• 6% cash rebate on dining and online spending up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transaction of HK$3,800 of the month) 
• Other things to note:
  • Welcome Offer and MoneyHero Exclusive Offer are 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.
• Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/motion_credit_card/en/index.html
• Reminder: To borrow or not to borrow? Borrow only if you can repay!

• Rewards Points 
  • Enjoy up to 3% Points Rebate for Shopping & Entertainment spend
  • 1% Points Rebate for all local Mobile Payments 
• First year annual fee waiver
• This MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
• Handling fee of HK$50 - HK$300 will be charged for redeeming Points for miles each time. 

• Spending Categories	RMB or UnionPay App Spending	Single spending of CNY4,000
  Cash Rebate Offer	4%	Extra 6%
  Maximum Cash Rebate per month	HK$150	HK$250

• 4% Cash Rebate on RMB and UnionPay App spending
  • From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy 4% Cash Rebate on RMB and UnionPay App consumer presented QR code payment mode) up to extra HK$150 Cash Rebate per month.  
• Extra 6% Cash Rebate on RMB spending 
  • From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy extra 6% Cash Rebate on a single RMB spendingof CNY4,000 or above, up to extra HK$250 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer.
• Up to 45% Cash Rebate on top of 5% Instant Discount on GBA Hotel Booking
  • From now to 8 January 2026, enjoy extra up to 45% cash rebate on top of 5% instant discount on GBA hotel booking by redeeming the offer with designated promotion code through Wing On Travel website or App. Cardmembers are entitled to a maximum of HK$120/order under instant 5% off offer and a maximum of HK$360/order under up to 45% cash rebate offer. Quota applies and on a first-come-first-served basis while quota lasts.
• No foreign currency transaction handling fee
• Welcome Offer Option 1: 10% Cash Rebate on spending in foreign currencies
  New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies made with the GBA Dual Currency in the first 3 months starting from the card issuance date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate!
• Welcome Offer Option 2: Enjoy HK$600 Cash Rebate
  New credit card customers who accumulate HK$6,000 or above in retail spending within the first 2 months from the card issuance date (“Spending Period”) with the GBA Dual Currency will be entitled to HK$600 cash rebate.
• First year annual fee waiver

  • Other things to note

  • Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
  • Terms and conditions apply. For details, please visit www.cncbinternational.com/personal/promotions/credit-card/en/index.html.
  • Reminder: To borrow or not to borrow? Borrow only if you can repay! 

DBS Eminent Card Up to 5% Rebate Programme

• A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$4,000 Eligible Spending in Other Retail Spending in each calendar month)
• Other retail spending up to 1 % rebate (applicable for the first HK$15,000 Eligible Spending in Other Retail Spending in each calendar month)
• Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
• For details, please visit go.dbs.com/hk-eminent-rebate-en.

Dining Privileges

• Conrad Hong Kong up to 10% off

Up to 81% off of Health & Medical Privileges

Flexi Shopping Eminent Card Exclusive Offer

• 3 times 50% one-off handling fee rebate on medical service spending instalments!
• Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme

Smartphone Application Guide

• Apply for a DBS Black World Mastercard through the MoneyHero mobile website to earn exclusive welcome offers plus an additional HK$50 InstatRedeem from DBS Card+. For details, please visit DBS website.

1. Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
2. After filling out your email, directly access the pop-out App Store / Google Play Store page to download and open the DBS Card+ HK app.
3. Directly apply for the specified DBS credit card within the app, and check your email inbox to fill out the reward claim form.

• If you want to continue applying through the desktop website:
  After accessing the bank's official website through MoneyHero, please use the "New Customer" column "Apply Now" red button to apply. This makes it easier to successfully track your MoneyHero exclusive offer application details, but you may not be able to get the additional HK$50 InstatRedeem from DBS Card+.

Other things to note

• MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards 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 and/or DBS COMPASS VISA) issued by DBS
• Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
• New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
• DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate
• Terms and Conditions apply. For details, please visit go.dbs.com/hk-eminent
  To borrow or not to borrow? Borrow only if you can repay!

Launch of WeWa Club Enjoy endless offers and jetso

• Earn up to 4% from The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.
• At WeWa Club, you can: 
  • Buy amazing things at a good deal
  • Enjoy priority booking for concerts or other events
  • Enjoy many other offers and jetso!
  Click here  to register as a WeWaClub member

   

Enjoy limited-time offers and activities in OmyCard app

• Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.

Pay with WeWa Credit Card and enjoy direct cash rebate.

• up to 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (select one)(0.4% basic rebate + 3.6% additional rebate) 
• 0.4% on other spendings (HK$250 = HK$1 cash rebate)

3-month Interest-free Credit Card Transaction Instalment Plan

• Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.

Annual fee waiver for the first 2 years; 5 years for student cardholders 

Other things to note

• Welcome offers, MoneyHero Welcome Reward are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 12 months.

• Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200

Mox Credit – All-in-One Card

• Unlimited rewards all year round – choose to earn Asia Miles or CashBack anytime with the same card!
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at major supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• Use "FPS" via Mox Credit to transfer the amount first and then find the amount.
• One card for all purchases and cash withdrawal.
• No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
• Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
• Use JETCO ATMs in Hong Kong for free.

With Mox Credit Credit, earn best-in-town unlimited CashBack everywhere

• Earn 3% unlimited CashBack at major supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
• Earn 2% unlimited CashBack (with an eligible Payroll Transaction of HK$25,000 or more)! Or earn 1% unlimited CashBack if otherwise
• Want to earn Asia Miles instead? Switch spending reward mode to “Asia Miles”, and start earning Unlimited Asia Miles + 0% FX fees (for both overseas spending / online shopping)

New customers can only use one invitation code to open an account and enjoy the welcome offer

Transfer flexibly with Mox Credit with no fees 

• Mox Credit manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Split any eligible Mox Credit Card transaction of HKD400 or above and get an instant application decision and choose a repayment period from 3 months up to 60 months with zero handling fees
• Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. 

Other things to note

• Earned CashBack or Asia Miles are instantly deposited to your Mox Account.  
• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank’s Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.
• From 2 April 2026 to 30 June 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more; and/or (b) you have Mox+ ("Unlocking Criteria"), then you may earn unlimited 2% CashBack or HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Rewards Scheme. From 1 July 2026, if you have satisfied either one of the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you will earn unlimited 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Rewards Scheme. If you have not satisfied the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may still earn unlimited 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. “Eligible Payroll Transaction” means a transaction where your employer pays your salary into your Mox Account via FPS, and the transaction is displayed as ‘Salary’ in the Mox app. For the avoidance of doubt, standing instructions or other local electronic transfers are not considered ‘Eligible Payroll Transactions’. Based on your selected Spending Rewards Scheme, you will be eligible to receive: (i) 2% CashBack; or (ii) HKD4 =1 Asia Mile  (until 30 June 2026) or HKD5 =1 Asia Mile (from 1 July 2026) during the period beginning on and from the day you complete the Eligible Payroll Transaction and ending on the last day of the next calendar month.
• Terms and Conditions apply
• You must first open a Mox account to apply for Mox Credit. 
  
  • Applicants for a Mox account must be 18 years of age or older, hold a valid Hong Kong Identity Card, and have a valid Hong Kong residential address and postal address.
• Mox Disclaimer applies.
• To borrow or not to borrow? Borrow if you can repay!
• *Stock's other fees and charges continue to apply, including but not limited to the settlement fee, stamp duty, trading fee, transaction levy and trading activity fee with respect to the relevant market(s). For details, please refer to the ‘Invest Fees and Charges’ section on the Mox website. Fund's other fees and charges continue to apply, including but not limited to Annual Management fees, custodian fees and/or administration fees with respect to the relevant fund. For details, please refer to the respective fund offering documents.