A cash back credit card is a type of card that offers the benefit of earning cash back on your eligible purchases, hence it is a great option for those who prefer to earn tangible rewards and save money on everyday purchases.
If you want to maximise your cash back rewards and earn other perks, explore MoneyHero’s cash back credit card comparison page now and earn money on every dollar spent!
Wellcome, Market Place and Designated Upscale Stores
Cashback Dining
2 %
info
Spend with the card at any designated merchants to earn up to 4X Reward Points (2% rebate)
Cashback Local
2 %
info
Spend with the card at any designated merchants to earn up to 4X Reward Points (2% rebate)
Annual Fee Waiver
Perpetual Annual Fee Waiver
3 Offers Available
MoneyHero Exclusive Offer (New to Bank Customer)
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color)
+ 5 other gift options
Valid until
30 April 2024
MoneyHero Exclusive Offer (Existing Customer)
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998)
+ 3 other gift options
Valid until
30 April 2024
Welcome Offer - Worth up to 120,000 yuu Points
120,000 yuu Points (for new credit card customers)
+ 1 other gift options
Valid until
30 June 2024
chevron_left
chevron_right
Things to consider for this product:
check
Local spending rebate
check
Dining rebate
check
Supermarket rebate
check
No Annual Fee
MoneyHero Exclusive Offer (New to Bank Customer)
Gift Options
New to Card Customer : Nintendo Switch (OLED model)(valued at HK$2,680;random color); or
New to Card Customer : Philips RO Water Dispenser ADD6901/90 (valued at HK$1,998); or
New to Card Customer : Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour) ; or
New to Card Customer : Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
New to Card Customer : HK$1,000 Apple Store Gift Card ; or
New to Card Customer : HK$1,000 Wellcome Shopping Voucher
From now till 30 April 2024
New Credit Card cardholders* who successfully apply for Hang Seng enJoy Card via MoneyHero and spent HK600 within 30 calendar days after approval are entitled to Nintendo Switch (OLED model)(valued at HK$2,680;random color) / Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour) / Philips RO Water Dispenser ADD6901/90 (valued at HK$1,998) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / HK$1,000 Apple store gift card / Wellcome shopping voucher.
Existing Credit Card cardholders^ who successfully apply for enJoy Card via MoneyHero and spent HK$300 within 30 calendar days after approval are entitled to BRUNO BAK801 Instant Hot Water Dispenser (valued at HK$998) / Marshall Willen Wireless Portable Speaker(valued at HK$999) / HK$700 Apple store gift card / Wellcome shopping voucher.
Important dates :
On or before 31 May 2024: The card must be approved by Hang Seng.
New Credit Card customers* - Spent HK$600 within 30 calendar days after approval.
Existing Credit Card customer - Spent HK$300 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.
*“Existing Credit Card Customers” who are currently holding 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.
^"Existing credit card customers," referring to applicants who currently hold or have held any personal credit card issued by Hang Seng within the past 12 months from the present or application date, excluding consumption cards and exclusive cards.
^An additional HK$500 xx (aggregators) reward is for existing credit card customers who have not held the Hang Seng Enjoy card as the main card within the past 12 months from the present or application date.
^If existing credit card customers have held the main card of the same credit card category within the past 12 months from the present or application date, they will not be eligible for any welcome rewards.
MoneyHero Exclusive Offer (Existing Customer)
Gift Options
Existing Credit Card customer : BRUNO BAK801 Instant Hot Water Dispenser (Valued at HK$998) ; or
Existing Credit Card customer : Marshall Willen Wireless Portable Speaker(valued at HK$999) ; or
Existing Credit Card customer : HK$700 Apple Store Gift Card ; or
New Credit Card cardholders* who successfully apply for Hang Seng enJoy Card via MoneyHero and spent HK600 within 30 calendar days after approval are entitled to Nintendo Switch (OLED model)(valued at HK$2,680;random color) / Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour) / Philips RO Water Dispenser ADD6901/90 (valued at HK$1,998) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / HK$1,000 Apple store gift card / Wellcome shopping voucher.
Existing Credit Card cardholders^ who successfully apply for enJoy Card via MoneyHero and spent HK$300 within 30 calendar days after approval are entitled to BRUNO BAK801 Instant Hot Water Dispenser (valued at HK$998) / Marshall Willen Wireless Portable Speaker(valued at HK$999) / HK$700 Apple store gift card / Wellcome shopping voucher.
Important dates :
On or before 31 May 2024: The card must be approved by Hang Seng.
New Credit Card customers* - Spent HK$600 within 30 calendar days after approval.
Existing Credit Card customer - Spent HK$300 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.
*“Existing Credit Card Customers” who are currently holding 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.
^"Existing credit card customers," referring to applicants who currently hold or have held any personal credit card issued by Hang Seng within the past 12 months from the present or application date, excluding consumption cards and exclusive cards.
^An additional HK$500 xx (aggregators) reward is for existing credit card customers who have not held the Hang Seng Enjoy card as the main card within the past 12 months from the present or application date.
^If existing credit card customers have held the main card of the same credit card category within the past 12 months from the present or application date, they will not be eligible for any welcome rewards.
Welcome Offer - Worth up to 120,000 yuu Points
Gift Options
120,000 yuu Points (for new credit card customers); or
The latest Points Rewards for Supermarket and restaurant: register, earn and redeem YUU Points
Earn up to 2% rebate at 2000+ designated merchants
Spend with the card at any designated merchants to earn up to 4X Reward Points (2% rebate).
Reward Points can be spent as cash (200 Reward Points=HK$1), as well as redeeming e-coupons
and gifts in yuu App
Designated Merchants
Rebate Upon Spending
Pizza Hut, PHD, KFC, yuu to me, Maxim's Chinese Cuisine restaurants, designated m.a.x. concepts restaurants and outlets, Arome Bakery, Café Landmark, LUMI French-Japanese Cuisine, MUSES, Pop n' Grill, Wildfire Pizzabar, DONDONYA, Uo-Show and more
2% Rebate
(4X Rewards: HK$1=4 yuu Reward Points)
7-Eleven, Mannings, IKEA, Wellcome, Market Place and Designated Upscale Stores, yuu to me
1.5% Rebate
(3X Rewards: HK$1=3 yuu Reward Points)
Shell, GNC and Designated Maxim's restaurants
1% Rebate
(2X Rewards: HK$1=2 yuu Reward Points)
Other merchants (including local and overseas spending)
7-Eleven: 5% off on the 8th and 18th of every month
IKEA: Free delivery upon home furniture and accessories order of HK$3,500 or above at stores on the 1st and 3rd Wednesday of every month (Excluding Outlying Islands and Macau)
Mannings: 6% off on the 1st and 20th of every month
Wellcome, Market Place by Jasons, 3hreesixty, Oliver's The Delicatessen: 8% off on the 3rd, 13th & 23rd of every month upon a single net spending of HK$100 or above
Pizza Hut: 10% off dine-in/ takeaway à la carte menu items from Monday to Sunday (Except specific dates)
PHD: 10% off dine-in/ takeaway à la carte menu items from Monday to Sunday (Except specific dates)
KFC: 5% off dine-in and takeaway orders (From Monday to Friday, except public holidays)
Get discount offers at renowned hotel restaurants, shops and leisure outlets
If the customer has held a Hang Seng enJoy Card as the primary cardholder within the 12 months prior to the application date, they will not be eligible for any additional welcome rewards on this platform. If a customer who has received the offers cancels the relevant credit card account within 13 months from the date of account opening, a handling fee of an equivalent amount will be charged.
“New Credit Card Customers” refer to applicants who are not currently holding 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; “Existing Credit Card Customers” refer to applicants who are currently holding and/or have ever held the Principal Card of any Hang Seng Credit Card / Affinity Card (excluding Spending Card and Private Label Card) during the 12 months immediately preceding the date of application. The Welcome Offers are not applicable to Principal Card customers who are currently holding and / or have ever held any enJoy Credit Card / Spending Card during the 12 months immediately preceding the date of application
The relevant Designated Merchants e-Coupons and yuu Reward Points will be credited to the Eligible Principal Card Customer’s yuu App which is linked with enJoy Card and enJoy Card account respectively within 2 months after the Eligible Principal Card Customer has fulfilled the requirements. The enJoy Card account should be valid and in good standing, and being linked to yuu Reward Programme when the Designated Merchants e-Coupons and yuu Reward Points are credited
MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested.
Advertising information is provided by Hang Seng Bank Limited
Late repayment fee: $ 300
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: $ 150000
SPONSORED
Standard Chartered Smart Credit Card
Cashback Local
5 %
info
5% CashBack on designated stores, HKTVmall, PARKnSHOP and other designated stores spending.
Foreign Currency Transaction Fee
1.95 %
Interest on installment plans
0 %
info
3-months unlimited interest-free instalment
Annual Fee Waiver
Perpetual Annual Fee Waiver
3 Offers Available
MoneyHero Exclusive Offer
HK$1,200 Apple Store Gift Card
+ 2 other gift options
Valid until
30 April 2024
Smart Card Special Offer
The Coffee Academics Buy-1-Get-1 Free
Valid until
15 July 2024
Welcome Offer
HK$1,200 Cash Rebate
+ 1 other gift options
Valid until
03 July 2024
chevron_left
chevron_right
Things to consider for this product:
check
Installment
check
No foreign txn fee
check
Local spending rebate
check
Annual Fee waiver
MoneyHero Exclusive Offer
Gift Options
HK$1,200 Apple Store Gift Card; or
HK$1,200 Trip.com e-Voucher; or
HK$1,200 Wellcome Shopping Voucher
New Standard Chartered Credit Card Customers get rewarded with HK$1,200 Apple Store Gift Card OR HK$1,200 Trip.com e-Voucher or HK$1,200 Wellcome Shopping Voucher by fulfilling the following requirements:
From 2 April 2024 6 p.m. to 30 April 2024 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 May 2024: 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.
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.
From 15 April 2024 to 15 July 2024, Smart Cardholders can enjoy Buy-1-Get-1-Free offer every Monday when you spend on any of your favourite coffee or other beverages worth HKD45 or below using Smart Card at The Coffee Academics
Offer is applicable to designated The Coffee Academics outlets in HongKong Cardholders are entitled to a maximum of one complimentary drink per transaction per day under the Offer Applicable to dine-in and takeaway orders
Cardholders must indicate their intention to use their Smart Card when ordering and before making payment to enjoy the offer
A 10% service charge is applied to dine-in orders only and based on the original price (including price of complimentary beverage(s))
The complimentary drink shall be of a value that is equal to or lower than the lowest value of the ordered beverage(s) in one transaction and must be redeemed immediately with the purchased beverage
From now till 3 July 2024, new Cardholders have accumulated Eligible Transactions of HK$4,000 or above with the newly approved Smart Card within the first month from the date of issuance:
HK$1,200 OR
Two Lounge Pass to Plaza Premium First Hong Kong
The CashBack from Welcome Offer will be credited within 4 months after card issuance
Product Feature :
3-months unlimited interest-free instalment plan - you can have more flexibility based on your personal financial situation.
Upon successfully apply for a credit card statement instalment plan with a tenor of 3 months through SC Mobile App or online and the Bank approving such application, the Cardholder will be entitled to interest and handling fee-free period for the first 3-months of the Credit Card Statement Instalment Plan for retail spending over HK$2,000 or above.
Note: Standard Chartered will reverse HK$1 CashBack on the「360° Rewards」Redemption Platform for every HK$180 instalment amount applied. For spending amounts that are not eligible to earn CashBack, Standard Chartered will also reverse HK$1 CashBack for every HK$180 instalment amount applied. Where there is insufficient CashBack balance on the「360° Rewards」Redemption Platform for deduction, a negative balance will be displayed.
5% CashBack at PARKnSHOP
Year round offers: 5% CashBack at designated merchants like HKTVmall and Klook and more
Enjoy 5% CashBack on selected merchants and streaming platforms (HK$1 CashBack for every HK$20 spent).
From 2023 onwards, JHC will be added as a designated merchant
Other designated merchants include 759 Store, Circle K Convenience Store, Klook, SaSa, Watsons, Decathlon, China Mobile Hong Kong (from 9 June 2023 onwards) and Deliveroo (from 1 April 2023 onwards) etc.
Major online video and music streaming platforms include Amazon Prime Video, Disney+, Netflix, Now TV, JOOX, KKBOX, MOOV, Spotify.
No minimum spending requirement.
The cap of 5% CashBack earned within the promotion period is HK$3,000. (You will reach the cap when you spend HK$60,000 at selected merchants.)
Other retail transactions (including online transactions and interest-free monthly instalment), Octopus Automatic Add-Value transactions and PayMe top-up transactions are entitled to 0.55% CashBack.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
Perpetual annual fee waiver
No foreign transaction fee
No matter you pay in Hong Kong dollars or foreign currencies when you shop online or overseas, reimbursement charge is waived.
No cash advance fees
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.
Promotion period is from 1 January to 31 December 2023 of 5% CashBack on Eligible Transactions made at Designated Merchants
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$50 per account redemption.
Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
To borrow or not to borrow? Borrow only if you can repay!
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 96000
SPONSORED
PrimeCredit WeWa UnionPay Diamond Card
Cashback Overseas
4 %
info
(Direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback.
Cashback Local
4 %
info
(Direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback.
Foreign Currency Transaction Fee
Waived
5 Offers Available
MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
+ 1 other gift options
Valid until
30 April 2024
MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card (Not able to enjoy PrimeCredit Welcome Offer)
+ 1 other gift options
Valid until
30 April 2024
Welcome Offer
<2024 New Model> Delsey S-Series 30 inch Front Loader Expandable Suitcase
+ 4 other gift options
Valid until
31 August 2024
WeWa Card Mobile Payment Offer
Apple Pay up to 6% Cash Rebate
Valid until
31 December 2024
Sam's Club X PrimeCredit Offer
RMB$100 Instant Discount
Valid until
22 May 2024
chevron_left
chevron_right
Things to consider for this product:
check
Travel agency offer
check
Foreign txn rebate
check
Cinema ticketing
check
Installment
MonyHero Exclusive Offer (New Customer)
MoneyHero Exclusive Offer - HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher.
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.
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate; or
New Customer: HK$400 Wellcome Shopping Voucher + HK$200 Cash Rebate
Including a total value of HK$400 supermarket cash coupon from MoneyHero and HK$200 cash rebate from PrimeCredit. Terms and conditions apply.
MonyHero Exclusive Offer (Existing Customer)
MoneyHero Exclusive Offer -HK$400 Apple Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6p.m., existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$400 Apple Gift Card / Wellcome Shopping Voucher.
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.
Existing Customer: HK$400 Apple Store Gift Card (Not able to enjoy PrimeCredit Welcome Offer); or
Existing Customer: HK$400 Wellcome Shopping Voucher (Not able to enjoy PrimeCredit Welcome Offer)
Including a total value of HK$400 supermarket cash coupon from MoneyHero. Terms and conditions apply.
Welcome Offer
Gift Options
<2024 New Model> Delsey S-Series 30 inch Front Loader Expandable Suitcase; or
Panasonic EH-NA9K nanoe® mineral ions Hair Dryer; or
HK$500 Cash Reward; or
HK$400 Klook e-Gift Card (only for University / Tertiary students); or
Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Welcome Offer
From now till 31 August 2024, new PrimeCredit Credit Card Cardholder who successfully applied WeWa UnionPay Diamond Card is entitled to one of the following Welcome Offers upon fulfilling the Eligible Retail Purchase Transactions Requirement specified below:
Eligible Retail Purchase Transactions Requirement
Welcome Offers options
Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
Delsey S-Series 30 inch Front Loader Expandable Suitcase
Panasonic nanoe® Hair Dryer (EH-NA9K)
HK$500 Cash Rebate
No Spending Requirement
Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
University / tertiary students Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from card issuance
HK$400 Klook e-Gift Card
WeWa Card Mobile Payment Offer
Gift Options
Apple Pay up to 6% Cash Rebate
Promotion Period: 1 Apr 2024 - 31 Dec 2024 (both days inclusive)
Offer Details: Earn up to 6% cash rebate with WeWa Card linked with designated mobile payment for eligible local, foreign and/or online retail spending! Earn while you shop, eat and travel! Visit https://www.wewacard.com/mobile-rebate for more details.
Designated mobile payment ONLY include:
Apple Pay (applicable to UnionPay and Visa card), and
UnionPay mobile QuickPass within OmyCard Mobile App (applicable to UnionPay card), and
QR code payments within OmyCard Mobile App (applicable to UnionPay card and Android devices)
Details on 6% cash rebate on Designated mobile payment:
Spending Category 1: Travel, Cinema, Karaoke, Theme Parks with 4% WeWa Cash Rebate + Extra 2% Cash Rebate on Designated mobile payment
0.4% Cash Rebate on spending other than Spending Category 1 + Extra 5.6 % Cash Rebate on Designated mobile payment
HK$200 Each customer can earn up to HK$200 Cash Rebate per month on Designated mobile payment
Registration on OmyCard app > WeWaClub > “WeWa mobile payment up to 6% rebate” is required in order to be eligible to this offer. (Registration ONCE only during the entire promotion period)
Eligible Retail Transactions must be made via Designated Mobile Payments, whether locally, overseas, and/or online. These transactions must be made within the calendar month of registering for this Promotion and posted to the account within 7 days after the transaction date.
Sam's Club X PrimeCredit Offer
Gift Options
RMB$100 Instant Discount
From 23 February to 22 May 2024
Enjoy RMB$100 instant discount upon RMB$1000 spending at Sam’s Club Shenzhen and Zhuhai with UnionPay Credit Cards (Each customer can enjoy the offer for maximum 10 times)
Launch of WeWa Club Enjoy endless offers and jetso
Everyone can join WeWa Club for free and enjoy endless shopping, dinning, entertainment offers and jetso! 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
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.
Travel Benefits
Exemption of foreign transaction fees
Annual fee waiver for the first 2 years; 5 years for student cardholders
Other things to note
Welcome offers, HK$200 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
Each card can be entitled to a maximum amount of HK$2,000
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: No Requirement
PrimeCredit EarnMORE UnionPay Diamond Card
Interest on installment plans
0 %
info
First 3 months
Cashback Overseas
2 %
info
For overseas spending (Direct cashback) For local and overseas spending: 2% cashback
Cashback Local Online Shopping
2 %
info
For all spending (regardless of categories, capped at HK$2,000): 2% cashback
Cashback Local
2 %
info
For spending in all categories (cap: $2000 rebate): 2% cashback
4 Offers Available
MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
+ 1 other gift options
Valid until
30 April 2024
MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card (Not able to enjoy PrimeCredit Welcome Offer)
+ 1 other gift options
Valid until
30 April 2024
Welcome Offer
OTO Vanda 2.0 (VN-05)
+ 4 other gift options
Valid until
31 December 2024
Sam's Club X PrimeCredit Offer
RMB$100 Instant Discount
Valid until
22 May 2024
chevron_left
chevron_right
Things to consider for this product:
check
Foreign txn rebate
check
Travel agency offer
check
Installment
check
No foreign txn fee
MonyHero Exclusive Offer (New Customer)
MoneyHero Exclusive Offer - HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher.
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.
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate; or
New Customer: HK$400 Wellcome Shopping Voucher + HK$200 Cash Rebate
Including a total value of HK$400 supermarket cash coupon from MoneyHero and HK$200 cash rebate from PrimeCredit. Terms and conditions apply.
MonyHero Exclusive Offer (Existing Customer)
MoneyHero Exclusive Offer -HK$400 Apple Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6p.m., existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$400 Apple Gift Card / Wellcome Shopping Voucher.
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.
Existing Customer: HK$400 Apple Store Gift Card (Not able to enjoy PrimeCredit Welcome Offer); or
Existing Customer: HK$400 Wellcome Shopping Voucher (Not able to enjoy PrimeCredit Welcome Offer)
Including a total value of HK$400 supermarket cash coupon from MoneyHero. Terms and conditions apply.
Welcome Offer
Gift Options
OTO Vanda 2.0 (VN-05); or
German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC); or
HK$500 Cash Rebate; or
HK$400 Klook e-Gift Card (only for University / Tertiary students); or
Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Spend HK$9,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date :OTO Vanda 2.0 (VN-05); or
Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date : German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC) or HK$500 Cash Rebate; or
Only applicable to Full-time University / Tertiary Student : HK$400 Klook Gift Card; or
Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program ( No spending requirement)
Sam's Club X PrimeCredit Offer
Gift Options
RMB$100 Instant Discount
From 23 February to 22 May 2024
Enjoy RMB$100 instant discount upon RMB$1000 spending at Sam’s Club Shenzhen and Zhuhai with UnionPay Credit Cards (Each customer can enjoy the offer for maximum 10 times)
Pay with EarnMORE UnionPay Credit Card and enjoy 2% direct cash rebate
2% cash rebate (1% basic rebate + 1% extra rebate) on year-round spending (HK$250 spending = HK$5 cash rebate)
1% cash rebate on applying Octopus Automatic Add Value Service with EarnMORE UnionPay Card at every reloading (HK$250 spending = HK$2.5 cash rebate)
Easy and instant payment with in-app UnionPay QR code function in OmyCard app
Enjoy "Hot Deals Patrols" limited-time offers through the app. You can buy popular products at a discounted price.
Exemption of foreign transaction fees
Annual fee waiver for the first 2 years
Other things to note
Welcome offers, HK$200 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
Each card can be entitled to a maximum amount of HK$1,500 extra 1% cash rebate during the Promotion Period.
Eligible Retail Purchase Transactions include to all posted retail purchase transactions and exclude Reload of e-Wallets.
The promotion period of 2% year-round rebate is valid from 1 January 2024 to 31 December 2024.
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: No Requirement
PrimeCredit WeWa UnionPay Diamond Card
Cashback Contactless Spend
6 %
Cashback Local
4 %
info
(Direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback.
Cashback Overseas
4 %
info
(Direct Cashback) For local and overseas designated stores (Travel, Cinema, Karaoke, Theme park) spending: 4%cashback; Other spending: 0.4% cashback.
Foreign Currency Transaction Fee
Waived
5 Offers Available
MonyHero Exclusive Offer (New Customer)
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate
+ 1 other gift options
Valid until
30 April 2024
MonyHero Exclusive Offer (Existing Customer)
Existing Customer: HK$400 Apple Store Gift Card (Not able to enjoy PrimeCredit Welcome Offer)
+ 1 other gift options
Valid until
30 April 2024
Welcome Offer
<2024 New Model> Delsey S-Series 30 inch Front Loader Expandable Suitcase
+ 4 other gift options
Valid until
31 August 2024
WeWa Card Mobile Payment Offer
Apple Pay up to 6% Cash Rebate
Valid until
31 December 2024
Sam's Club X PrimeCredit Offer
RMB$100 Instant Discount
Valid until
22 May 2024
chevron_left
chevron_right
Things to consider for this product:
check
Travel agency offer
check
Foreign txn rebate
check
Cinema ticketing
check
Installment
MonyHero Exclusive Offer (New Customer)
MoneyHero Exclusive Offer - HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher.
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.
New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate; or
New Customer: HK$400 Wellcome Shopping Voucher + HK$200 Cash Rebate
Including a total value of HK$400 supermarket cash coupon from MoneyHero and HK$200 cash rebate from PrimeCredit. Terms and conditions apply.
MonyHero Exclusive Offer (Existing Customer)
MoneyHero Exclusive Offer -HK$400 Apple Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6p.m., existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$400 Apple Gift Card / Wellcome Shopping Voucher.
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.
Existing Customer: HK$400 Apple Store Gift Card (Not able to enjoy PrimeCredit Welcome Offer); or
Existing Customer: HK$400 Wellcome Shopping Voucher (Not able to enjoy PrimeCredit Welcome Offer)
Including a total value of HK$400 supermarket cash coupon from MoneyHero. Terms and conditions apply.
Welcome Offer
Gift Options
<2024 New Model> Delsey S-Series 30 inch Front Loader Expandable Suitcase; or
Panasonic EH-NA9K nanoe® mineral ions Hair Dryer; or
HK$500 Cash Reward; or
HK$400 Klook e-Gift Card (only for University / Tertiary students); or
Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
Welcome Offer
From now till 31 August 2024, new PrimeCredit Credit Card Cardholder who successfully applied WeWa UnionPay Diamond Card is entitled to one of the following Welcome Offers upon fulfilling the Eligible Retail Purchase Transactions Requirement specified below:
Eligible Retail Purchase Transactions Requirement
Welcome Offers options
Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date
Delsey S-Series 30 inch Front Loader Expandable Suitcase
Panasonic nanoe® Hair Dryer (EH-NA9K)
HK$500 Cash Rebate
No Spending Requirement
Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
University / tertiary students Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from card issuance
HK$400 Klook e-Gift Card
WeWa Card Mobile Payment Offer
Gift Options
Apple Pay up to 6% Cash Rebate
Promotion Period: 1 Apr 2024 - 31 Dec 2024 (both days inclusive)
Offer Details: Earn up to 6% cash rebate with WeWa Card linked with designated mobile payment for eligible local, foreign and/or online retail spending! Earn while you shop, eat and travel! Visit https://www.wewacard.com/mobile-rebate for more details.
Designated mobile payment ONLY include:
Apple Pay (applicable to UnionPay and Visa card), and
UnionPay mobile QuickPass within OmyCard Mobile App (applicable to UnionPay card), and
QR code payments within OmyCard Mobile App (applicable to UnionPay card and Android devices)
Details on 6% cash rebate on Designated mobile payment:
Spending Category 1: Travel, Cinema, Karaoke, Theme Parks with 4% WeWa Cash Rebate + Extra 2% Cash Rebate on Designated mobile payment
0.4% Cash Rebate on spending other than Spending Category 1 + Extra 5.6 % Cash Rebate on Designated mobile payment
HK$200 Each customer can earn up to HK$200 Cash Rebate per month on Designated mobile payment
Registration on OmyCard app > WeWaClub > “WeWa mobile payment up to 6% rebate” is required in order to be eligible to this offer. (Registration ONCE only during the entire promotion period)
Eligible Retail Transactions must be made via Designated Mobile Payments, whether locally, overseas, and/or online. These transactions must be made within the calendar month of registering for this Promotion and posted to the account within 7 days after the transaction date.
Sam's Club X PrimeCredit Offer
Gift Options
RMB$100 Instant Discount
From 23 February to 22 May 2024
Enjoy RMB$100 instant discount upon RMB$1000 spending at Sam’s Club Shenzhen and Zhuhai with UnionPay Credit Cards (Each customer can enjoy the offer for maximum 10 times)
Launch of WeWa Club Enjoy endless offers and jetso
Everyone can join WeWa Club for free and enjoy endless shopping, dinning, entertainment offers and jetso! 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
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.
Travel Benefits
Exemption of foreign transaction fees
Annual fee waiver for the first 2 years; 5 years for student cardholders
Other things to note
Welcome offers, HK$200 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
Each card can be entitled to a maximum amount of HK$2,000
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: No Requirement
HSBC Visa Signature Card
Cashback Dining
3.6 %
info
On local retail spending with ""Red Hot Rewards of Your Choice"" registration. Basic Reward (1X) + Visa Signature Exclusive RewardCash (3X) + Red Hot Rewards of Your Choice (5X) = Up to 9X rebate or 3.6% cash rebate (Basic reward: 1.6% cash rebate)
Annual Fee Waiver
First 2 years
Cashback Local
3.6 %
info
On local retail spending with "Red Hot Rewards of Your Choice" registration. Basic Reward (1X) + Visa Signature Exclusive RewardCash (3X) + Red Hot Rewards of Your Choice (5X) = Up to 9X rebate or 3.6% cash rebate (Basic reward: 1.6% cash rebate)
Cashback Overseas
3.6 %
info
Basic Reward (1X) + Visa Signature Exclusive RewardCash (3X) + Red Hot Rewards of Your Choice (5X) + Red Hot Online and Overseas Spending Rewards (5X) = Up to 14X rebate or 5.6% cash rebate (Basic reward: 1.6% cash rebate)
3 Offers Available
HSBC Welcome Offer
$800 RewardCash
+ 1 other gift options
Valid until
28 February 2025
Time-limited offer
Extra$300 RewardCash
Valid until
30 April 2024
Extra RewardCash for Cash instalment plan
$200 RewardCash
Valid until
31 July 2024
chevron_left
chevron_right
Things to consider for this product:
check
Overseas rebate
check
Dining rebate
check
Cinema ticketing
check
Dining discount
HSBC Welcome Offer
Gift Options
$800 RewardCash; or
$200 RewardCash
Applying for eligible credit card via HSBC website, HSBC Personal Internet Banking or HSBC App and make eligible transaction of HKD/RMB 8,000 or above within the first 60 calendar days after card issuance:
New Credit Card Customers: $800 RewardCash
Existing Credit Card Customers: $200 RewardCash
Time-limited offer
Gift Options
$300 RewardCash
From 8 March 2024 till 30 April 2024, apply for the Eligible HSBC Credit Card and meet the following conditions within 60 days after card issuance to enjoy extra $300 Reward Cash
HSBC Visa Gold Card for Students: accumulate an eligible spending of HK$4,000, and tap and use the card to enter and exit gates for at least one MTR ride
Other Eligible HSBC Credit Card: accumulate an eligible spending of HK$10,000, and tap and use the card to enter and exit gates for at least one MTR ride
New Card Customers who activate the Eligible Credit Card, and successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above within the first 60 calendar days after card issuance, can enjoy an extra $200 RewardCash. Terms and Conditions
Product Feature :
Earn up to 3.6% RewardCash rebates
Allocate an extra 2.4% RewardCash to one spending category, and automatically enjoy an exclusive extra 1.2% RewardCash on all categories of the "Red Hot Rewards of Your Choice programme".
Emperor Cinemas: buy 1 and get 1 free on regular-priced 2D movie tickets or regular popcorn, or get 10% off regular-priced 3D movie tickets (Mondays to Thursdays); 20% off regular-priced 2D movie tickets (Fridays, Saturdays and Sundays)
15% discount at Cafe, Hugo's and The Chinese Restaurant at Hyatt Regency Hotel Tsim Sha Tsui
The Mira Hong Kong: enjoy special dining and spa discount
Exclusive 24-hour Concierge and emergency services provided by Visa
Enjoy a 30% discount on cross border limousine service between Hong Kong and Guangdong, China
HKD300 in spending rebate when you spend HKD5,000 or more in a single transaction on the Cathay Pacific app via Apple Pay or Google Pay
First 2 years annual fee waiver
Other things to note
The Online Welcome Offer Promotional Period is from 1 March 2024 to 28 February 2025
The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
To borrow or not to borrow? Borrow only if you can repay!
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 240000
Q Credit Card
Cashback Local
5 %
info
5% CashBack on designated stores, HKTVmall, PARKnSHOP and other designated stores spending.
New Standard Chartered Q Credit Card Customers get rewarded with HK$100 HKTVmall e-Gift Voucher by fulfilling the following requirements:
From 2 April 2024 6 p.m. to 30 April 2024 6 p.m. : New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Q Credit Card via MoneyHero
Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
On or before 31 May 2024: 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.
Application must be made through this Entrance: Search “Q Credit Card” in Search Field in AlipayHK App Homepage 🡪 Choose “Q Credit Card” and fill in the “Application Reference Number” in MoneyHero Rewards Redemption Form.
Tips:
Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
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.
New Cardholders can enjoy 5% CashBack for foreign currency spending
Apply to physical and online overseas merchants
Excludes any transactions made via AlipayHK App.
Only for customers approved from 1 January 2024 to 30 April 2024
Promotion Period from 2 February 2024 to 30 April 2024
Welcome Offer - Selective Merchant 5% CashBack
Gift Options
Selective Merchant 5% CashBack
New Cardholders can enjoy 5% Cash Rebate at selected merchants with Q Credit Card.
Selected merchants including Taobao, Uber (Valid from 15 February 2024), Trip.com, Agoda, KK day and Taobao official logistics platform (for example Cainiao Smart Logistics network (Hong Kong) Limited), Sun Yiu Transportation Company Limited, Buy Up Express Company Limited, Early Bird Logistics Company Limited, Group n Ship Limited, HK Ship Express Limited, 4PX Express Ltd, GoGo Tech Limited, POINT2POINT.HK Limited, Dimbuy.com Company Limited, Giants HK Limited.
Only for customers approved from 1 January 2024 to 30 April 2024
Promotion Period from 1 January 2024 to 30 April 2024
Welcome Offer - 1% CashBack
Gift Options
1% CashBack
Up to 1% CashBack on daily spending
1% CashBack for eligible transactions excluding any transactions made via AlipayHK App
0.75% CashBack for eligible transactions via AlipayHK App (Total maximum monthly amount of Eligible Transactions per Card within the Promotion Period is HK$13,000)
No minimum spending requirements & registration is required
Only for customers approved from 1 January 2024 to 30 April 2024
Promotion Period from1 January 2024 to 30 April 2024
Product Feature :
0% Taobao handling fee offer
No registration is required and enjoy for first 5 transactions each month
Welcome Offer
Eligibility: who have successfully applied for the Q Credit Card for the first time, card approved within promotion period and who have never redeemed any “Q Credit Card Welcome Reward” of AlipayHK via the AlipayHK Mobile Application
Merchant and Taobao Payment Reward of HK$800: upon card approval within promotion period.
Physical Card Activation Reward of HK$200: upon card approval within promotion period and the first physical card payment being completed successfully.
Each HK$50 coupon is applicable for all platforms accepting the AlipayHK App for payment, including eligible merchant outlets and for bill payment via the AlipayHK App or Taobao/Tmall Platform via Q Credit Card in Taobao App upon a single net transaction of HK$120 or above.
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 96000
Dah Sing ONE+ Credit Card
Cashback Oversea
1 %
info
Unlimited 1% cash rebate on oversea retail spending
Cashback Local
1 %
info
Unlimited 1% cash rebate on retail spending
Cashback Octopus Top Up Spending
0.5 %
info
0.5% cash rebate on Octopus reload amount
Annual Fee
HK$ 1,800
info
First 2 year annual fee waiver
2 Offers Available
MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
+ 1 other gift options
Valid until
30 April 2024
Welcome Offer - HK$500 Cash Rebate
HK$500 Cash Rebate
Valid until
30 June 2024
chevron_left
chevron_right
Things to consider for this product:
check
Overseas rebate
check
Online Spending
check
Local spending rebate
check
First 2 year annual fee waiver
MoneyHero Exclusive Offer
Gift Options
HK$400 Apple Store Gift Card; or
HK$400 Wellcome Shopping Voucher
New Dah Sing Credit Card Customers get rewarded with HK$400 Apple Store Gift Card OR HK$400 Wellcome Shopping Vouchers by fulfilling the following requirements:
From 12 March 2024 6 p.m. to 30 April 2024:New Dah Sing Credit Card Customers who apply for Dah Sing Credit Card via MoneyHero
On or before 31 May 2024:The card must be approved by Dah Sing Bank, subject to the Bank’s system records.
Within 7 days of receiving the form, complete the redemption form sent via email from MoneyHero for verification and follow-up.
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.
Designated card(s) include Dah Sing ONE+ Credit Card / Dah Sing MyAuto Credit Card / Dah Sing ANA World Mastercard / Dah Sing British Airways Platinum Card / Dah Sing United MileagePlus World MasterCard
If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Dah Sing Bank has no relation with its redemption, usage and dispute.
Welcome Offer - HK$500 Cash Rebate
Gift Options
HK$500 Cash Rebate
New Card member who successfully apply Dah Sing ONE+ credit card can enjoy the following welcome gift:
HK$500 Cash Rebate
accumulating Eligible Spending of HKD5,000 or above, and making at least 5 Eligible Spending transactions, within the first 2 months from the date of the Bank's issuance of the Eligible Card can receive HK$500 cash rebate
Terms and Conditions Apply.
To borrow or not to borrow? Borrow only if you can repay!
The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU
Product Feature :
Welcome offer HK$500 cash rebate
Unlimited 1% cash rebate on local and overseas rebate spending
0.5% cash rebate on Octopus reload amount
First 2-year annual fee waiver
To borrow or not to borrow? Borrow only if you can repay
The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU
Explore new ways to earn, save, and grow your money for short and long-term goals. Browse the latest analyses, tips and hacks from the MoneyHero team so you can get the most from your dollars!
Comparison Of The Best Cash Back Credit Cards In Hong Kong
Cash back credit cards in Hong Kong offer different rates for different types of spending. You may benefit more with certain credit cards for daily shopping, other cards may reward you more for eating out or spending overseas when travelling. Depending on your spending habits, some cards may be better than others. Discover which cash back credit card is best for you and maximise your rewards!
Credit cards with the highest cash back for supermarket spending
Credit cards that focus on supermarket spending rewards may help you earn additional money back on your grocery shopping. For example, Mox Credit can earn 3% unlimited cash back at major supermarkets in Hong Kong like HKTVmall, PARKnSHOP, Wellcome, and City'super. The Standard Chartered Smart Card can earn 5% cash back on designated shops such as HKTVmall and PARKnSHOP, while the Hang Seng enJoy Card offers an 8% discount on Wellcome and Market Place by Jasons purchases over HK$100 on the 3rd, 13th, and 23rd of each month.
Credit cards with the highest cash rewards for dining
Dining credit cards provide various benefits and rewards for dining enthusiasts, allowing you to earn cash back or other incentives while enjoying your favourite meals. You can enjoy up to 6% cash back on dining expenses with the CNCBI Motion Credit Card. You can also consider the DBS Eminent Visa Signature Card which offers a 5% cash back on dining.
Credit cards with the highest cash rewards for travelling and overseas spending
To earn the highest cash rewards while travelling and shopping internationally, there are several excellent credit card options available. The Hang Seng MMPOWER World Mastercard offers a 6% + FUN Dollars rebate on overseas spending upon meeting accumulative monthly eligible retail spending of HK$5,000. Another option is the CNCBI Motion Credit Card, which provides a year-round 6% cash rebate on JPY/EUR/GBP foreign exchange transactions of HK$20,000 or more.
Credit cards with the highest cash back for online spending
When indulging in online purchases, credit cards with a high online shopping rebate can enhance your savings on local and online transactions. The CNCBI Motion Credit Card and AEON CARD WAKU WAKU offer an impressive 6% cash back rate specifically for online purchases. Alternatively, the DBS Live Fresh Card provides a 5.4% cash back rate exclusively for local online spending. Other options include the Hang Seng MMPOWER World Mastercard with its offer of a 5% rebate with +FUN dollars, and the HSBC Red Credit Card provides a solid 4% cash back rate.
Cash Back Credit Cards Information You Need To Know
No worries, we've got you covered!
What is a cash back credit card and how do they work?
expand_more
A cash back credit card allows you to earn a percentage of your spending back by using your card frequently and making repayments on time.
The cash back amount can be credited back to your credit card account or paid to you separately. Additionally, some providers offer steep discounts for redeeming exclusive gifts. Many banks in Hong Kong, such as American Express, DBS, Citibank and HSBC offer generous cash back rewards to attract more customers
Before you sign up for a cash back 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 cash back credit card for you. If you travel often, you might want to look for cards that give you good rebates on overseas spending. MoneyHero makes it easy to compare cash back credit cards, and we can help you choose one that best fits your financial goals
You should also know that certain cash back credit card companies may have a minimum spending requirement for you to start earning rewards. Additionally, these companies may have limits on the amount of cash back rewards you can earn, and may also set a spending limit for certain categories. It is also common for banks to offer higher cash back return rates for certain categories during a specific period, which can be lucrative to take advantage of.
What is the best way to earn cash back?
expand_more
To make the most out of cash back points, choose a credit card that lets you earn high cash back rates on your favourite spending categories, such as online shopping or overseas spending. Remember to thoroughly understand the terms and conditions of your chosen credit card, and keep in mind that these terms may change, so it is essential to stay informed about any updates.
How is cash back calculated?
expand_more
Depending on the programme, cash back for credit cards is calculated differently according to the type of purchase, ranging from basic cash back programmes, bonus cash back schemes and introductory offers.
Basic cash back programmes offer a consistent and ongoing cash back rate on all eligible purchases made with the card, regardless of the category. This type of cash back is straightforward and provides a steady stream of rewards for cardholders.
However, some credit cards offer bonus cash back in specific spending categories. These categories may include groceries, dining, travel, or online shopping. In these cases, the cash back rate for these purchases is noticeably higher and cardholders can maximise their rewards by using specific cards for different categories.
Credit card issuers often provide attractive introductory offers to entice new cardholders. These offers can include a higher cash back rate for an initial period, such as an increased cash back rate on all purchases for the first several months. Introductory offers can also include sign-up bonuses where cardholders can earn a lump sum of cash back after meeting certain spending requirements within a specified timeframe.
How to choose the best cash back credit card?
expand_more
The best cash back credit card for someone else may not be the best card for you, as everyone’s spending habits are different. Some may use their credit card for mainly overseas travelling, while others prefer local payments.
In addition to your spending habits, there are several factors to consider, such as annual fees, rewards system, cash back rates as well as terms & conditions.
The first factor to consider when choosing a cash back credit card is the annual fee; while a credit card with HK$0 annual fee may not always be the best option, you should be mindful of the annual fee exceeding the potential cash back rewards you could earn too.
Furthermore, the card's cash back rewards system is also an important consideration for picking the best credit card, which includes a 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 behaviour to earn more cash back.
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.
What is the difference between cash back and cash rebate?
expand_more
While both are very similar, cash back is a percentage-based refund on qualified purchases, whereas cash rebates are refunds with a fixed amount once spending conditions are met. In addition, cash back is automatically used to offset the cardholder’s bill in future months, whereas cash rebates can be held in the account until the cardholder chooses to redeem it.
What are common reward programmes in Hong Kong?
expand_more
"yuu Rewards" is one of the most well-known cash back reward programmes. The digital rewards platform partners with various banks and credit card issuers in Hong Kong. By linking their eligible credit cards to the yuu App, cardholders can earn yuu Points or cash back on their spending, which can be redeemed for a variety of rewards including discounts at selected supermarkets.
"ParkNShop MoneyBack" is another popular reward programme with its own unique benefits. Linking it with various credit cards unlocks even more rewards and exclusive shopping deals. Points you earn can be used like cash to save on purchases at participating merchants, redeemed for free products, or even transferred to mileage programmes.
HSBC offers a cash back programme called "RewardCash" to its credit cardholders. With eligible transactions, cardholders can earn RewardCash, which can be used to offset future purchases or redeem vouchers, air miles, or other rewards.
For those who have a credit card from Heng Seng Bank, take advantage of their “+FUN Dollars” programme where cardholders can earn +FUN Dollars on eligible spending. These +FUN Dollars (Cash Dollars) can be redeemed for cash rebates or used for various rewards.
Who can apply for cash back credit cards?
expand_more
The qualifications for applying for a cash back credit card may vary depending on the specific credit card and issuer. The general prerequisites to apply for cash back credit cards are having a good credit scores, a steady source of income, and a low debt-to-income ratio. Some credit cards may also have a minimum income requirement.
What are the advantages of using a cash back credit card?
expand_more
By using cash back credit cards, you can essentially deduct the amount you pay for your next card purchase, effectively enjoying shopping "discounts" even when there are no active promotions. Certain credit cards, such as the Hang Seng enJoy Platinum Card, allow cardholders to enjoy exclusive shopping offers and rewards.
What is the usual cash back rate?
expand_more
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%-10%.
How are cash back reward limits determined?
expand_more
Cash back rewards are not limitless, and these caps differ from each credit card. While the maximum amount of rewards will be stated in the terms and conditions as a percentage or a fixed amount, there are other considerations in terms of cash back rewards.
One such consideration is the category of spending. Credit cards often offer different cash back rates and also reward limits for different spending categories such as dining, groceries, or travelling.
Some credit cards may opt for a tiered structure, where rewards and rates depend on the amount spent in a billing cycle. As a result, some cards may offer higher rates of return for increased spending.
Certain credit cards also have a maximum amount set based on merchant eligibility. Purchases made at these select merchants may have a higher reward limit compared to merchants who are not listed in the terms and conditions.
What purchases are eligible for cash back rewards?
expand_more
Cash back points and rewards can be earned by making "eligible purchases'', though this term’s definition may vary depending on the credit card issuer and specific credit cards. For instance, some credit cards may only consider local purchases as eligible, while others may also include overseas retail purchases.
Typically, certain types of spending such as instalments, bill payments, and autopay services are not considered eligible for earning Cash Back points. It is important to refer to the terms and conditions of your specific credit card to see a complete list of eligible purchases.
Confused about credit card terms?
Glossary terms to know for first-time credit card users