2026 Best Rewards Credit Card Comparison: Compare the Latest Offers and Cashback from Major Banks

• 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.

Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

• Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
  • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. 
• HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

10% discount on Asia Miles Awards redemption

• Hotel, Car Rental and Experience Awards;
• Dining awards or settle bill with miles; and
• Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings

First-year annual fee waiver

• New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

Other things to note

• 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.
• Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
• Offers are subject to Terms and conditions
• An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page

• 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.

• Suitable for customers who have large amount of overseas/foreign currency spending
• Points will never expire. No service charge for mileage conversion. 
• Up to 12 times complimentary access to airport lounges for every calendar year
  • Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
• Free Travel Insurance
  • Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
• Purchase Protection
  • Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase

• 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").
• When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.

• Credit Card Key Features
  • Welcome Rewards: New customers can receive up to $700 +FUN Dollars; existing customers can receive up to $300 +FUN Dollars.
  • Customizable Rebate Combos: Choose 2 out of 3 categories: Online Retail (up to 5%), Overseas Spending (up to 6%), or Selected Categories (up to 1% +FUN Dollars).
  • Top Pick for Foreign Currency: Earn up to 6% +FUN Dollars on foreign currency transactions—perfect for frequent travelers.
  • World Mastercard Privileges: Enjoy premium services including private concierge, personalized check-in assistance, and luggage handling.
  • Daily Spending Rewards: Earn a base rebate of 0.4% +FUN Dollars on all eligible spending.

• Rebates & Offer Details
  • MMPOWER +FUN Dollars Rewards Program
  • To unlock the "Choose 2 out of 3" rewards, customers must register and accumulate at least HK$5,000 in eligible retail spending per month:

• Category	Max Rebate (+FUN Dollars)
  Foreign Currency	Up to 6%
  Online Retail Spending	Up to 5%
  Selected Spending Categories	Up to 1% (Choose from: Dining, Electronics, or Entertainment)

   
  • 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.

• Credit Card Key Features
  • Welcome Rewards: New customers can receive 140,000 yuu Points (valued at HK$700); existing customers can receive **60,000 yuu Points** (valued at HK$300).
  • High Rebates: Earn up to 2% rebate (4x points) when spending at over 2,000 designated merchants across Hong Kong.
  • Instant Point Redemption: Use yuu points like cash via the yuu App to redeem e-vouchers or offset purchases (200 points = HK$1).
  • Year-round Exclusive Discounts: Enjoy up to 8% off (92% of original price) on designated days at popular merchants including Wellcome, Mannings, 7-Eleven, and IKEA.
  • Perpetual Annual Fee Waiver.

• Rebates & Offer Details
  • Merchant Point Rewards

• • Daily Upgraded Dining Offers (Highlights)
    • Mon–Sun (Maxim’s Chinese): Redeem a 2-person dinner set at 50% off yuu points.
    • Monday (KFC): 12% off for dine-in and takeaway.
    • Tuesday (Pizza Hut): HK$30 off on purchases of HK$250 or more.
    • Thursday (Maxim’s Chinese): Up to 50% off on the main menu (40% discount + 20x points).
    • Fri–Sun (Maxim’s Chinese): 50% off designated dinner sets.
  • Merchant Discount Days
    • Mannings: 6% off on the 1st and 20th of every month.
    • Wellcome / Market Place: 8% off on purchases over HK$100 on the 3rd, 13th, and 23rd of every month.
    • 7-Eleven: 5% off on the 8th and 18th of every month.
    • IKEA: Free delivery on the 1st and 3rd Wednesday of every month with purchases over HK$3,500.

• 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.
  • Welcome Reward Eligibility: Cardholders must accumulate HK$5,000 in eligible spending and link the card to the yuu Rewards Program within a specified period after card issuance.
  • Definition of New Customer: Applicants who do not currently hold, and have not held in the past 12 months, any Hang Seng Credit Card or Co-branded principal card.
  • Account Cancellation Restriction: If the account is cancelled within 13 months of opening, a handling fee equivalent to the value of the welcome reward will be charged.
  • Point Crediting: yuu points will be credited within 3 months of meeting requirements. The account must be valid and linked to the yuu program at that time.
  • 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.

• Credit Card Key Features
  • High Rewards in Popular Destinations: Earn up to 7% +FUN Dollars on foreign currency spending in Japan, South Korea, Thailand, Mainland China, Macau, and Taiwan.
  • Foreign currency spending in other regions: up to 5% +FUN Dollars
  • Dining Rebates: Enjoy up to 5% +FUN Dollars on local dining spending.
  • Exclusive Airport Perks: Use your physical card to redeem designated airport meals or Starbucks sets for just HK$10.
  • Travel Booking Discounts: Exclusive offers on hotel bookings and airfares through Trip.com, Expedia, and Hotels.com.

• Rebates & Offer Details
  • +FUN Dollars Reward Programme
    • To qualify for the following rebates, customers must register and accumulate a minimum of HK$6,000 in eligible monthly spending:

• • • Terms and conditions apply, please visit hangseng.com/travelplus for details. The promotion period is till 31 December 2026, customers are required to register via https://hangseng.com/travelplus. Registered customers are not required to register again and can continue to earn extra +FUN Dollars.

    • Note: The total monthly cap for extra rebates is $500 +FUN Dollars (this includes the 0.4% base rebate).

  • Airport & Travel Booking Offers
    • Intervals Sky Bar: From now until June 30, 2026, redeem a set meal or tailor-made drink from the designated menu at Hong Kong International Airport branch for HK$10 with your physical card
    • Starbucks Redemption: From now until June 30, 2026, redeem a selected Grande sized handcrafted beverage and a piece of designated food item at Hong Kong International Airport branches with your physical card for HK$10
    • Trip.com: From now until December 31, 2026, enjoy 5% off hotels and 1.5% off flight bookings.
    • Expedia / Hotels.com: From now until June 30, 2026, earn 6% +FUN Dollars on hotel bookings via designated websites.

• 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.
  • “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 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.
  • If the customer has held a Hang Seng Travel+ Visa Signature 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.
  • The extra +FUN Dollars rebate will be calculated for the Eligible Retail Spending till the last day of every calendar month. The extra +FUN Dollars rebate will be automatically credited into the Eligible Credit Card account within 2 calendar months. The credit card account should remain valid and in good standing when the relevant +FUN Dollars rebate is credited. Cardholders can log on to Hang Seng Personal e-Banking (if applicable) or call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
  • +FUN Dollars accumulated from the last Credit Card annual renewal month to the next annual renewal month will be valid up to 24 months.
  • MoneyHero strives to maintain accurate information. If there are any discrepancies between the information provided and that found on the websites of financial institutions, service providers, or specific products, the information from the financial institutions shall prevail. Please refer to the relevant financial institution’s website for the most up-to-date product information.
  • Hang Seng Bank is not the provider of the exclusive rewards from MoneyHero. The availability of the rewards and their redemption process are not related to Hang Seng Bank.
  • Advertising information provided by Hang Seng Bank Limited
  • Hang Seng reserves the right to amend these Terms and Conditions at any time
  • To borrow or not to borrow? Borrow only if you can repay!
  • Rewards and offers are subject to Terms and Conditions.

Suitable for customers who enjoys online shopping
"Super Wednesday" Shopping Offers - Up to 8% COMPASS Dollar Rebate on local supermarkets spending

• Enjoy up to 8% COMPASS Dollar Rebate upon a single net spending of HK$300 or above at local supermarkets with DBS COMPASS VISA every Wednesday. . Rewards include the 0.4% COMPASS Dollar basic rebate under the COMPASS Card Reward Scheme and the extra 7.6% COMPASS Dollar rebate (HK$152 monthly rebate cap) under this Promotion. When calculating Rewards, Extra Reward will be rounded down to 2 decimal places and is only applicable to the first HK$2,000 Eligible Spending in each calendar month during the Promotion Period.
• Promotion period: From now till 27 June 2026 (every Wednesday)

"COM-to-Play" Mini Game Win up to $5,000 COMPASS DollarPromotion Period: from now till 31 May 2026 

• During the promotion period, principal cardholders of DBS COMPASS VISA can participate in our “COM-to-Play” Mini Game via DBS Card+ app upon making a single net transaction of HK$200 or above at the following designated spending categories (physical or online stores). Upon completion of the mini game, cardholders can get a guarantee prize of $5 COMPASS Dollar or a chance of winning up to $5,000 COMPASS Dollar!
  • Fashion & Apparel
  • Department Stores
  • Household Appliances / Electronic Goods
  • Home Furniture / Decorations
  • Gasoline
• To join the Mini Game, Principal Cardholders are required to install the DBS Card+ and completely register an DBS Card+ account before making the eligible transaction. Each Principal Cardholder can participate in the Mini Game up to 2 times per calendar month during the promotion period. The virtual credit card activated immediately upon the successful application of the Applicable Credit Card via DBS Card+ is also entitled to participate in the Promotion from the second next day upon card issuance.
• Promotion Period: From now till 31 May 2026

"COM-to-Spend Everywhere Spending Rewards

• Upon registration for this Programme via DBS Card+ app and make a single net spending of HK$300 or above at below designated categories of spending (physical or online stores) from the next calendar day following successful registration until the end of the Programme period, you can enjoy 2% Compass dollar rebate. (applicable to the first HK$12,500 Eligible Spending in each calendar month)
• Designated Daily Household Spending Categories including: Retail transactions made via AliPay, AliPayHK or WeChat Pay, Department stores, Home furniture or decorations, Gasoline spending at fuel stations etc..
• Promotion Period: from now till 30 Jun 2026

Flexi Shopping COMPASS VISA Exclusive Offer

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

Tactical Offers

• iHerb (valid until 31 May 2026)
  • Enter the designated promotion code "DBS10" before completing the payment on the payment page to enjoy 10% off
  • Extra HK$60 cash rebates (each cardholder can earn the cash rebate up to a maximum of 3 times during the promotion period) upon a single net spending of HK$600 or above

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) issued by DBS.
• DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning COMPASS Dollar.
• Promotions above are subject to related terms and conditions, please visit go.dbs.com/hk-cv-en for details.

First year annual fee waiver

• New Customers who successfully apply DBS Live Fresh Card can enjoy the first year annual fee waiver, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month.

Up to 6% rebate on online spending. You can pick spending category for extra rebate every month based on your own spending habit.

• Up to 6% rebate on online spending = 1% rebate on online foreign currency spending + 5% extra rebate of your choice
• 1% unlimited rebate on online foreign currency spending. No registration is required.
• 5% Cash Rebate Reward of Your Choice. Register for the Program in DBS Card+ HK and select one spending category. Enjoy an extra rebate of eligible transaction of the chosen spending category.
  • 3 “Reward of your choice” categories include:
    1. Entertainment & Travel Expert (Include Entertainment Spending and Online Travel Merchant Spending)
    2. Fashionista (Include Online Beauty, Fashion & Apparel Spending and Selected Online Merchant Spending)
    3. Sustainability & Charity Champion (Including Selected Green Merchants, Social Service Organisations Spending and Online Charity Donations)
  • 5% Cash Rebate Reward of Your Choice Selection List: go.dbs.com/hk-lf5list-en
  • Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders must click the red InstaRedeem button on the "Spending" page of DBS Card+ to enjoy the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
• 0.4% cash rebate on other spending categories.

DBS Live Fresh Card Exclusive: 90 days Interest-Free Repayment Period for Overseas, Travelling and Online Transaction

• Flexi Travel – up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction
• iFlexi -  up to 90-day Interest-free Repayment Period for Online Transaction
• No interest will be charged when you pay off your balance within the interest-free repayment period.

10 Free Trials for Flexi Shopping. No handling fee when you apply for Flexi Shopping Programme.

• Cardholders who successfully apply for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ HK can enjoy a full handling fee rebate.
• Applicable to the first 10 eligible transactions during the promotion period
• Promotion period: 1 January 2025 – 31 December 2025.

New function of DBS Card +: Spending Limit & Spending On-off. You can easily manage your spending with the app.

• Spending Limit: You may set a Retail Spending Limit per month for each Credit Card account with DBS Card+ HK.
• Spending On-off: You may use the function to approve or decline certain categories of Spending like “Online Spending”, “Local Spending” and “Overseas Spending”.

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) issued by DBS.
• Online transactions in Hong Kong Dollars, reload of e-wallets and Octopus Automatic Add-Value Service are only entitled to 0.4% basic rebate.

• Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders are required to claim the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.

  • Cardholders must click the red InstaRedeem button on the “Spending” page of DBS Card+ HK to enjoy the Reward.

• 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
• Exclusive 24-hour Concierge and emergency services provided by Visa
• First 2 years annual fee waiver

Other things to note

• 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!

• Unlimited CashBack all year-round （Any merchants or categories, regardless of retails or online shopping, all eligible transactions are entitled to CashBack offer）
  • CashBack on spending in local currency： 1.5%
  • CashBack on spending in foreign currencies：2.0% 
• Exclusive Priviledges
  • Year-round benefits
    
    • Discover hundreds of deals, discounts and privileges, including exceptional dining, lifestyle, retail and travel offers
  • Visa Signature Concierge
    
    •  From travel reservations, booking tickets to a show, discounted access to golf clubs or that special dinner reservation, your Visa Concierge is here to help
    • The service is now available anytime at your fingertips with the new Visa Concierge app
• Other features
  • Online redemption Platform
    
    • Redeeming your accumulated CashBack is easy via our online platform – you can opt for a cash sum or choose from a wide range of extra value offers More details
  • Visa payWave
    • Contactless payments are secure, quick and easy – just touch your card to the merchant’s card reader wherever you see the special contactless payment symbolMore details
  • Year-round offers
    
    • Enjoy year-round exclusive dining, shopping and lifestyle offersMore details
• Eligibility
  
  • Hong Kong resident aged 18 or above
  • Annual income of HKD96,000 or above

• For details, please refer to Visa Signature website www.visa.com.hk/en_HK/signature.
• To borrow or not to borrow? Borrow only if you can repay!