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
  • Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme
    • 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.
      • Other 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).
• Base Reward Rate: Earn $1 +FUN Dollar for every HK$250 spent.

• Important Notes
  • Registration Requirement: Customers must register for the Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme on the official Hang Seng website and meet the minimum monthly spending requirement to qualify for extra rebates.
  • “New Credit Card Customers” refer to applicants who are not currently holding and have never 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 Bank Limited 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 you’re Hang Seng customer, you can apply faster in Hang Seng Mobile App. Just tap the MoneyHero exclusive application link > "Proceed to enter details", then log on to continue. From there, the bank will automatically fill in your personal details from their record and apply the MoneyHero promo code for you. You can confirm it’s been applied when you see the code on your application form after logging on.
  • Welcome Reward Restrictions: You are ineligible for the welcome gift if you held an Hang Seng MMPOWER card in the past 12 months. If the account is cancelled within 13 months of opening, the welcome reward must be returned.
  • If a designated primary credit card and its supplementary card(s) share the same credit limit, their accumulated spending will be combined for calculation purposes.
  • To be eligible to receive the additional rewards offered under this promotion, eligible customers must ensure that the relevant designated credit card account is still valid and in good credit standing at the time the rewards are granted.
  • 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.
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
  • The accumulated transaction amount is based on the net retail spending amount of eligible transactions, which means the final amount charged to the Designated Credit Cards concerned. Eligible retail spending amount does not include the deducted amount from the use of discount offers and/or +FUN Dollars/Merchant Dollars, any unposted purchase by Interest-free Instalment Plan at any merchant, cash advance, handling fee for cash advance, annual fee/service fee, finance charges, late charges, tax bill payment, Credit Card online bill payments (including but not limited to water bills, electricity bills, insurance premiums, payments to other banks and credit cards, etc.), Cash Instalment Plan, Spending Instalment Plan, Tax Instalment Plan, Balance Transfer Plan, Octopus Add Value Service transactions (including via Automatic Add Value Service, e-wallet or other method to top up Smart Octopus), purchase and/or reload of stored value cards or e-wallets, purchase of products/ services at financial/non-financial institutions (including but not limited to, foreign currency, money orders, travellers’ cheques, deposits and money transfers), balance transfers, purchases of casino chips, and transactions which are unposted/ unauthorized/cancelled/refunded/found to be fraudulent. Hang Seng will determine the eligibility of all welcome offers based on transaction records held by Hang Seng. In case of discrepancy, Hang Seng’s records shall be final and conclusive.
  • 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.

• 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. 

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
• Hyatt Regency Hong Kong, Tsim Sha Tsui 15% off

Up to 81% off of Health & Medical Privileges

Subscription Service Extra Welcome Offer of HK$240

• Spend at 5 Service Subscription Categories to get HK$240 “Instant Redeem", click here for details.

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 Eminent Card 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+.
• DBS Card+ HK app has upgraded with a first-in-market credit card issuance in minutes.

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.
• Credit card application may not be approved instantly through DBS Card+ for some individual reasons. DBS may request other documents from you, like address proof and income proof, for application approval. The credit card application is subject to DBS’s final approval.
• 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!

Enjoy endless offers and jetso

• Select your favourite Welcome Offers from plenty of options
• Enjoy Up to 4% cash rebate with WeWa credit card on overseas spending and daily spending : “Overseas Spending” (Default Fun Category) + pick 1-of-3 Category from “Mobile Payment”, “Travel Spending” and “Online Entertainment”)
• Join as a WeWaClub member to  
  • 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 limited-time offers through the app. You can buy popular products at a discounted price.

Upgrades of WeWa Credit Card 

• Enjoy up to 4% cash rebate with WeWa credit card on overseas spending and daily spending!  “Overseas Spending” (Default Fun Category) + pick 1 out of the 3 Fun Categories from “Mobile Payment”, “Travel Spending” and “Online Entertainment”)
• “Overseas Spending” (Default Fun Category) + Pick 1 out of the 3 Fun Categories 
  • Mobile Payment ：Apple Pay/Google Pay /UnionPay QuickPass within the OmyCard Mobile App / UnionPay QR code payment within the OmyCard Mobile App
  • Travel Spending ： Eligible Retail Transactions made at merchants which are categorized as travel agencies, airlines, and hotels (only applicable to hotel room accommodations)
  • Online Entertainment：Apple App Store (limited to transactions with the merchant name ("APPLE.COM/BILL"), Disney PLUS, Google Play Store, JOOX, KKBOX, MYTV SUPER, NETFLIX, Nintendo, Patreon, Playstation, Spotify, STEAM, XBox and Youtube

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

• iPhone Spending Offer: Up to 7% cash rebate and 12-mo 0% Split Purchase at csl / 1O1O / HKT / The Club
  • Register the promotion by 31 Dec, 2026, via Mox app
  • Every single eligible spending transaction at csl / 1O1O / HKT / The Club of HK$6,500 - HK$1,199.99 with your Mox Credit Card to earn 3% extra rebate, or earn 5% extra rebate on HK$12,000+ single eligible spending transaction
  • High reward cap: up to HK$600
  •  In the meantime, enjoy up to 12-mo 0% Split Purchase, and earn HK$200 extra reward if this is your first Split Purchase — totally HK$800 extra reward for you

• Mox Credit Card = The Only Card You Need

  •  3% CashBack on supermarkets: Earn 3% unlimited CashBack at major supermarkets across Hong Kong with Mox Credit (including: Don Don Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON, and more).
  • 2% Unlimited CashBack on everything (Mox+ members) or 1% Unlimited CashBack on everything. "Your go-to for big purchases / must-have daily card!"
  • 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)
  • HKT / CSL: Enjoy 0% instalments on single purchases of HK$4,500 or above; earn HK$180 service fee rebate when you set up auto-payment with Mox Credit Card after new subscription or renewal.
  • The Club: HK$100 checkout discount; free priority access to grab 2026 flagship devices on launch day + 12-mo Smart Protection device protection plan.
  • Trip.com: Up to 8% off hotels and flights all year round + earn up to 2% unlimited CashBack.
  • Xiaomi stores / mi.com: Earn up to 7% rebates + 0% instalments.
  • Emirates: Instant discount of up to HK$300 on selected flights. - Zero annual fee, forever — essential for students and savvy spenders.
  • Use Mox Credit to pay bills and enjoy up to 56 days interest-free period with 0 fee, covering government, banks or credit cards, insurance, education and other institutions.

• Powerful flexibility -- Mox Credit x FPS

  • Customers can transfer money using FPS with Mox Credit credit line.
  • Send money to friends, pay rent, settle bills or shop online from small business – then enjoy up to 56 days interest-free before you pay it back. Plus, with automatic spending categorisation, you’ll see exactly where your money goes, all in one clean view.

• Pay Bills with Mox Credit

  • Use your Mox Credit to pay bills at over 900 merchants
  • Covering government, banks or credit cards, insurance, education institutions
  • Enjoy up to 56 days interest-free period and unlock extra cash flow
    
    
• Mox Credit Split Purchase or Split Statement
  
  • Repayment period ranging from 3 to 60 months
  • See a transparent APR that updates in real time in the Mox app
  • Split any eligible transaction(s) of HK$400+ 
  • Earn HK$200 cash reward by making an 6mo+ eligible Split Purcase of HK$5,000 or above

• Mox Card = only card that does everything
  
  • Physical card / virtual card avalible
  • Numberless card design for next-level privacy and security
  • Apple Pay & Google Pay supported
  • Free cash withdrawals at JETCO ATMs

• 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.
• Please refer to the Mox Card Rewards Table for eligibility criteria to unlock the designated CashBack Rate / Asia Miles Reward Ratio. For further details, refer to the Definitions Schedule, Rewards for Cards Schedule and General Fees and Charges.
• 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!

• 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

• 	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!