Best Online Shopping Credit Cards in Hong Kong 2026

• First year annual fee waiver 
• Welcome Offer Option 1: 10% Cash Rebate on spending in foreign currencies
  New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate!
• Welcome Offer Option 2: Enjoy HK$600 Cash Rebate
  New credit card customers who accumulate HK$6,000 or above in retail spending within the first 2 months from the card issuance date (“Spending Period”) with the CNCBI Motion Credit Card will be entitled to HK$600 cash rebate.
• 6% Cash Rebate on dining and online spending all year round
• 6% cash rebate on dining and online spending up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transaction of HK$3,800 of the month) 
• Other things to note:
  • Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications.
• Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/motion_credit_card/en/index.html
• Reminder: To borrow or not to borrow? Borrow only if you can repay!

Launch of WeWa Club Enjoy endless offers and jetso

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

   

Enjoy limited-time offers and activities in OmyCard app

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

Pay with WeWa Credit Card and enjoy direct cash rebate.

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

3-month Interest-free Credit Card Transaction Instalment Plan

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

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

Other things to note

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

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

• Credit Card Features
  
  • New Customer Welcome Reward: Up to HK$800 cash rebate.
  • Existing Customer Welcome Reward: HK$200 cash rebate upon successful application and meeting spending requirements.
  • High Online Shopping Rebates: Up to 15X Gift Points (equivalent to 6% cash rebate or HK$1/mile) on the first HK$10,000 of online spending each month.

• Rebate & Benefit Details
  
  • Online Shopping Rewards
    
    • Designated Online Merchants: Up to 15X Gift Points (equivalent to 6% cash rebate or HK$1/mile) (includes popular platforms like Amazon, Farfetch, Net-A-Porter, and Selfridges; calculated based on point conversion rates).
    • General Online Retail: Up to 10X Gift Points (equivalent to 4% cash rebate or HK$1.5/mile)
  • Travel & Lifestyle
    
    • Travel Offers: Up to 15% off Mainland China flights and hotels booked via Wing On Travel.
  • Visa Concierge Service: Personalized travel planning, restaurant reservations, and hotel booking assistance.
  • Annual Fee Waiver: First-year waiver for the Principal Card; permanent waiver for Supplementary Cards.

• Important Notes
  
  • Rebate Calculation: Based on a conversion rate of 250 points = HK$1 cash rebate
  • Mile calculation: Based on a conversion rate of 15 points = 1 mile
  • Terms and conditions apply. For details, please visit the Bank of China (Hong Kong) official website or refer to promotional materials.
  • Bank of China (Hong Kong) Limited and BOC Credit Card (International) Limited reserve the final right to amend, suspend, or cancel promotions and their terms.

New HSBC Rewards Partners
Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options: 

• New Travel Partners
  • Hilton (available for EveryMile Card and HSBC Privé only)
  • Hainan Airlines and China Southern Airlines (available for all credit cards, including EveryMile and HSBC Privé)
• Redemption Rate
  • Preferential redemption rate for all EveryMile cardholders: 1 RC = 20 miles / hotel points

RewardCash rebates across the board, no minimum spending requirement, and no registration needed

• Online transactions: up to 4% RewardCash rebate (capped at HK$10,000 per month) (equivalent to HK$2.5 per air mile); 0.4% rebate for remaining spending
• Designated merchants spending: 8% RewardCash rebate ((capped at HK$1,250 per month); 0.4% rebate for remaining spending)
  • Food and beverage: Sushiro Hong Kong, TamJai SamGor Mixian, TamJai Yunnan Mixian 
  • Fashion and sports: - GU, Decathlon Hong Kong
  • Entertainment: NAMCO and TAITO STATION
  • Terms and Conditions apply
• Octopus Automatic Add-Value Service and online bill payments transactions: 0.4% RewardCash rebate (equivalent to HK$25 per air mile)
• Terms and Conditions apply

Perpetual annual fee waiver

McDonald’s: Enjoy a maximum of an extra $30 RewardCash each month via HSBC Reward+ Stamp Cards

Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).

To borrow or not to borrow? Borrow only if you can repay!

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

• 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.

• Welcome Offer Details:
  • Promotion Period for CashBack Promotion: 1 May 2026 to 30 September 2026
  • Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above)
  • Local Transportation Spending: 8% CashBack, capped at HK$200 per month* (applicable to Citybus, Cityflyer, KMB, LWB, MTR, Tram and Star Ferry)
  • Designated Merchant Spending: 3% CashBack, capped at HK$200 per month* (designated local merchants include: Adidas, matsukiyo HK, PUMA, Fila, Tokyo Lifestyle)
  • Eligible Bill Payment Transactions: 2% CashBack, capped at HK$200 per month* (only applicable via sim Credit Card App “Pay Bills/Taxes” service)
  • Other Eligible Retail Spending: 0.4% basic CashBack
  • *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month
  • *Under this CashBack Promotion, each Eligible Card can earn a maximum total of HK$1,000 CashBack during the entire Promotion Period
  • *Supplementary card spending will be combined with the principal card account for reward calculation
  • *CashBack will be credited to the Eligible Card account in the following calendar month after settlement
  • The above promotion is subject to relevant terms and conditions.

Terms and Conditions apply: https://www.thesim.com/en/legal

“Eligible Retail Transactions” shall not include cash advance transactions, payments of any Fees and Charges of a Card (e.g. annual fees, interest or finance charges, late charges, over-the-limit handling charges, cash advance handling fees and other charges), payment to the Inland Revenue Department and/or any other relevant authorities, tolls, road and bridge fees, online bill payment or utilities bill or all payments to and/or transactions with any insurance company (including but not limited to insurance premium payment), all donation and/or payment to any charitable or social service organizations, purchase of any cash coupon or cash voucher, payments for any unit trusts or mutual funds, casino transactions (including but not limited to gambling transactions), any money or electronic money transfer (including but not limited to transfers via person to person (P2P) payment services or mobile device, application, electronic funds transfer platform), reload/ transfer/ payment transactions made via or in relation to electronic wallets (including but not limited to Alipay, WeChat Pay, PayMe), reload of stored value accounts, Octopus top-up transactions by any means (including but not limited to Automatic Add Value Service (AAVS), online or through mobile), cash withdrawal, loan on Card, instalment amount, unposted transactions, cancelled transactions, returned transactions, counterfeit transactions or any other unauthorized transactions. The Card Issuer’s records with respect to the Eligible Cardholder on the amount of Eligible Retail Transactions accumulated from time to time are conclusive and binding on the Eligible Cardholder. All Eligible Retail Transactions shall be determined based on the merchant codes assigned by the related card associations worldwide and the Card Issuer, which may be varied from time to time without prior notice. If there is any dispute regarding any Eligible Retail Transactions, the decision of the Card Issuer shall be final and conclusive.