Compare Octopus Auto Reload Credit Cards in Hong Kong
Updated: 13 Nov 2025
Apply and compare Hong Kong Octopus Automatic Add-Value credit cards online through MoneyHero. Earn up to 2% cashback on every reload – whether you’re commuting, dining, or shopping! Instantly check the reload amounts, cashback rewards, and family application eligibility offered by major banks. Apply for selected Octopus credit cards via MoneyHero to enjoy exclusive extra rewards!
Why Trust MoneyHero
Card | Hot Reward Pick | MoneyHero Reward | Octopus Cashback | Annual Fee | Minimum Annual Income | ||
|---|---|---|---|---|---|---|---|
 | Citi Cash Back Card | HK$4,288 | Not Applicable | HK$1,800 | HK$120,000 | ||
 | Standard Chartered Smart Credit Card | HK$5,980 | 0.55 % | Perpetual Annual Fee Waiver | HK$96,000 | ||
 | Standard Chartered Cathay Mastercard | HK$4,980 | - | HK$2,000 | HK$96,000 | ||
 | PrimeCredit EarnMORE UnionPay Diamond Card | HK$2,988 | 1 % | HK$1,500 | No Requirement | ||
 | Dah Sing ONE+ Credit Card | - | HK$800 | 0.5 % | HK$1,800 | HK$150,000 | |
 | DBS Black World Mastercard® | HK$5,180 | 0.4 % | HK$3,600 | HK$240,000 | ||
 | Citi Octopus Platinum Card | HK$4,288 | 0.5 % | HK$1,800 | HK$120,000 |
Octopus Cashback
Not ApplicableAnnual Fee
HK$ HK$
1,800Minimum Annual Income
HK$ HK$
120,000Card Benefit
1 - 2 % cashbackApply through MoneyHero and choose from 9 premium rewards
- Dining rebate
- Overseas rebate
- Unlimited rebate
- High-priced welcome gifts
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Late Payment Charge: HK$300
Interest Free Period: 58 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- 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$7,600 within 30 days of purchase.
- First year annual fee waiver
- The MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
- Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
- Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.
Octopus Cashback
0.55 %Annual Fee
Perpetual Annual Fee WaiverMinimum Annual Income
HK$ HK$
96,000Card Benefit
0.5 - 5 % cashbackApply through MoneyHero and choose from 7 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Installment
- No foreign txn fee
- Local spending rebate
- Annual Fee waiver
Repayment Details
Minimum Payment: All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher.
Interest Free Period: Up to56 days
Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower.
Fees
Foreign Currency Transaction Fee: 0 %
Annual Fee: Perpetual Annual Fee Waiver
Eligibility
Min. Annual Income: HK$96,000
Minimum Age: 18 years old
Key Features
- Welcome offer of up to HK$1,000 cashback
- Enjoy up to 5% CashBack* year-round at Designated Merchants, applicable to both online and offline spending (HK$1 CashBack for every HK$20 spent).
- Grocery shopping & Home: HKTVmall, Circle K Convenience Store, PARKnSHOP
- Beauty & Health care: Watsons, Sasa
- Food and beverage: McDonald’s Hong Kong, Foodpanda
- Sport & Entertainment: Klook
- Digital Lifestyle: China Mobile Hong Kong and s/ash
- All spending at selected merchants is eligible for 5% cashback throughout the year
- A minimum of HK$4,000 eligible spending per month is required; otherwise, no cashback will be earned for that month
- Agoda hotel offer: Standard Chartered cardholders can enjoy up to 7% off global hotel bookings
- 1.95% foreign transaction fee waiver: No extra fee for overseas or online foreign currency spending
- No cash advance service fee
- Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
- Perpetual annual fee waiver
-
Extra CashBack Basic CashBack Total CashBack# Monthly Eligible Spending* CashBack for Eligible Transactions made at Designated Merchants Spending Cap per Monthly Statement Cycle CashBack for Eligible Transactions Spending Cap per Monthly Statement Cycle HKD 4,000 to HKD 14,999 4.44% HKD5,000^ 0.56% No Cap 5% HKD 15,000 3.80% 1.2% 5% - Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not currently hold and have not cancelled any Standard Chartered Credit Card in the past 6 months.
- New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
- You are required to redeem CashBack through the 360° Rewards Redemption Platform.
- The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Card account.
- Cardholders are required to redeem CashBack through the platform.
- The minimum threshold for CashBack redemption per Card account is HK$50 per account redemption.
- Terms and conditions apply. Please refer to Standard Chartered website for credit card details.
To borrow or not to borrow? Borrow only if you can repay!
Annual Fee
HK$ HK$
2,000Minimum Annual Income
HK$ HK$
96,000Card Benefit
Up to $ 2 - 6 per mileApply through MoneyHero and choose from 7 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Welcome offer: Air miles
- Air miles conversion
- Hotel bookings offer
- Overseas rebate
Repayment Details
Minimum Payment: All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher.
Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower
Interest Free Period: Up to56 days
Fees
Annual Fee: HK$2,000
Air Miles Conversion Fee: Waived
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Key Features
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, hotels and overseas spending categories
- HK$6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars
10% discount on Asia Miles Awards redemption
- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
First-year annual fee waiver
- New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.
Other things to note
- New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
- Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
- An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
- For more information, please refer to here.
Octopus Cashback
1 %Annual Fee
HK$ HK$
1,500Minimum Annual Income
No RequirementCard Benefit
Up to 2 %Apply through MoneyHero and choose from 1 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Foreign txn rebate
- Travel agency offer
- Installment
Repayment Details
Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late Payment Charge: HK$320
Interest Free Period: 53 days
Fees
Annual Fee: HK$1,500
Foreign Currency Transaction Fee: 1 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: No Requirement
Key Features
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
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.
Annual fee waiver for the first 2 years
Other things to note
- Welcome offers Approval 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$800 extra 1% cash rebate during the Promotion Period.
- Eligible Retail Purchase Transactions include to all posted retail purchase transactions and exclude Reload of e-Wallets.
- The promotion period of 2% year-round rebate is valid from 1 January 2026 to 30 Jun 2026.
Octopus Cashback
0.5 %Annual Fee
HK$ HK$
1,800Minimum Annual Income
HK$ HK$
150,000Card Benefit
0.5 - 1 % cashbackYou’ll also receive the following welcome gift(s) directly from the bank
- Local spending rebate
- Overseas spending rebate
- Octopus AAVS rebate
- First 2 year annual fee waiver
Repayment Details
Minmum Payment: HK$200 or above, if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance
Late Payment Charge: 300
Interest Free Period: 60 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$150,000
Key Features
- HK$500 cash rebate Welcome offer
- Unlimited 1% cash rebate on local and overseas retail spending
- 0.5% cash rebate on Octopus reload amount
- First 2-year annual fee waiver
To borrow or not to borrow? Borrow only if you can repay
The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU
Terms and Conditions of Dah Sing ONE+ Credit Card
Octopus Cashback
0.4 %Annual Fee
HK$ HK$
3,600Minimum Annual Income
HK$ HK$
240,000Card Benefit
$ 4 - 12 per mileApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Travel agency offer
- Welcome offer: Air miles
- Air miles conversion
- No expiry air miles
Repayment Details
Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: (i) all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; (ii) any amount in excess of the credit limit incurred after last statement date; and (iii) 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account, or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Fees
Annual Fee: HK$3,600
Air Miles Conversion Fee: Waived
Eligibility
Min. Annual Income: HK$240,000
Key Features
Credit Card Features
- Welcome offer up to 32,000 mile
- Suitable for frequent travelers, oversea spending as low as HK$2 = 1 mile
- Offers various mileage conversions, including Cathay, Avios, KrisFlyer, and PhoenixMiles
-
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
- First year annual fee waiver
Rebate & Offer details
- Overseas / Foreign Currency Spending: As low as HK$2 = 1 mile
- Register via DBS Card+ app now to enjoy the oversea spending as low as 1 mile upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month, click here for details.
- Local spending: HK$6 = 1 mile
Flexi Shopping Black World Mastercard® Exclusive Offer
- Enjoy 50% one-off handling fee rebate on the first 3 travel merchant category spending
- Promotions bounded by terms and conditions, click here for details.
Use DBS$8 equivalent to HK$10 to offset Online or Travel Merchant Spending
- Promotions bounded by terms and conditions, click here for details.
Redeem flights or hotels at up to 45% off with DBS$, plus enjoy a waiver of mileage conversion handling fees.
- Freely converted to Asia Miles, Avios, KrisFlyer, and PhoenixMiles; AsiaMiles can even be instantly converted and deposited into your mileageaccount.
-
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
- Use DBS$ to enjoy up to 45% off travel rewards at iGO Rewards.
Smartphone Application Guide
- [Limited Exclusive Offer] From 29 April 2026 to 6 July 2026, New Customers who successfully apply New Card via Card+ app using the designated link from MoneyHero to enjoy HK$150 InstaRedeem. For details: please visit go.dbs.com/hk-150SIR_MoneyHero)
- New Customers who successfully apply New Card via Card+ app to enjoy HK$50 InstaRedeem. For details: please visit go.dbs.com/hk-online-acq-50SIR
- Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
- 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.
- Directly apply for the specified DBS credit card within the app, and check your email inbox to fill out the reward claim form.
- If you want to continue applying through the desktop website:
After accessing the bank's official website through MoneyHero, please use the "New Customer" column "Apply Now" red button to apply. This makes it easier to successfully track your MoneyHero exclusive offer application details, but you may not be able to get the additional HK$50 InstatRedeem from DBS Card+.
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
- Terms and Conditions apply. For details, please visit go.dbs.com/hk-blackcard-mc.
-
To borrow or not to borrow? Borrow only if you can repay!
Cashback Transport
15 %Cashback Octopus Top Up Spending
0.5 %Annual Fee Waiver
First YearApply through MoneyHero and choose from 9 premium rewards
- Public transportation
- Annual Fee waiver
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card ""Quick Cash"" Installment Program and Terms and Conditions for Citi Credit Card ""Flexi-Installment"" Program) (where applicable)
Late Payment Charge: HK$300/CNY300/US$40 or the amount of minimum payment due under the last monthly statement, whichever is lower.
Interest Free Period: 58 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Min. Annual Income: HK$120,000
Minimum Age: Over18 years old
Key Features
- 15% Transport Rebate Program
Citi Octopus Platinum Cardholders can enjoy up to 15% designated transport rebate + 5% rebate on private vehicle spending:Monthly Eligible Retail Spending HK$4,000 - HK$9,999 HK$10,000 or above Eligible retail spending should be made on All Principal Citi Credit Card under the cardholder, and the
supplementary card(s) of such Citi Credit CardOffer 15% designated transportation rebates
(MTR, Bus, Ferry, Tram, Green Minibus and Taxi)15% designated transportation rebates
(MTR, Bus, Ferry, Tram, Green Minibus and Taxi)
+
5% private vehicle spending rebate
(electric vehicle charging, tunnels, car parks and parking meters fee)Maximum Rebate Amount
(Each Calendar Month)HK$300 HK$500 - Embedded Octopus Service; Cashback rewarded for Octopus Automatic Add Value Service
- HK$200 spending = HK$1 Octopus Cash Rebate
- First year annual fee waiver
- All rebates are in the form of Octopus cash and cannot be converted into cash vouchers or air miles.
Octopus Credit Card Top-Up Cashback
Do Octopus credit card top-ups earn cashback?
Yes, but the cashback rate is usually lower than regular spending. For example, the HSBC Red Credit Card offers 1% cashback on local spending, but only 0.4% cashback for both Octopus Automatic Add Value (AAVS) and manual top-ups via mobile wallets. However, some credit cards provide higher rewards, such as the ANZ EarnMore Credit Card (1% cashback) and the Standard Chartered Cathay Mastercard (HK$6 per mile for AAVS). If you frequently use Octopus top-ups, these cards are great options.