Is the rebate paid in cash?

Usually as a credit to your card account, sometimes in the bank's own rewards currency worth a set cash amount, such as HSBC RewardCash. Each card shows how its rebate is paid.

Best cashback credit cards

Cashback cards in Hong Kong pay a percentage of your spend back as a rebate. Higher rates usually apply only to set categories or merchants and stop at a cap, so compare the conditions as well as the rate.

A rebate on every purchase
Higher rates on chosen categories
No points to convert

Written by Vidhu BajajReviewed by Nilooka Dissanayake

Featured

Citi Cash Back Card

Earns cashback on spending
31% p.a. purchase rate, below the 32% p.a. market median

Application

How much cashback could you earn?

Enter your monthly spend to see each card's estimated first-year cashback, after the annual fee.

Compare 16 cashback credit cards

Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Cashback offer	Interest-free days	Annual fee	First-year value
	Dah Sing ONE+ Credit Card	HK$500 sign-up + 1% ongoing	Up to 60	HK$0	+HK$860 / yrHK$500 sign-up, HK$360 cashback	Application60 second approval
	HSBC Red Credit Card	4% ongoing	Up to 56	HK$0	+HK$1,440 / yrHK$1,440 cashback	Application
	Standard Chartered Smart Credit Card	5% ongoing	Up to 56	HK$0	+HK$1,800 / yrHK$1,800 cashback	Application
	BOC SaSa Dual Currency Credit Card	5% ongoing	Up to 56	HK$0	+HK$1,200 / yrHK$1,200 cashback	Application
	GBA Youth Card	5% ongoing	Up to 56	HK$0	+HK$1,200 / yrHK$1,200 cashback	Application
	BOC HKUST Platinum Card	2% ongoing	Up to 56	HK$0	+HK$720 / yrHK$720 cashback	Application
	BOC HKMU Dual Currency Platinum Card	2% ongoing	Up to 56	HK$0	+HK$720 / yrHK$720 cashback	Application
	DBS COMPASS VISA	8% ongoing	Up to 60	HK$0	+HK$2,880 / yrHK$2,880 cashback	Application
	DBS Eminent Card	5% ongoing	Up to 60	HK$0	+HK$1,800 / yrHK$1,800 cashback	Application
	DBS Live Fresh Card	6% ongoing	Up to 60	HK$0	+HK$2,160 / yrHK$2,160 cashback	Application
	Citi Cash Back Card	2% ongoing	Up to 58	HK$1,800	−HK$1,080 / yrHK$720 cashback, less HK$1,800 fee	Application
	Standard Chartered Simply Cash Visa Card	HK$1,200 sign-up + 1.5% ongoing	Up to 56	HK$2,000	−HK$260 / yrHK$1,200 sign-up, HK$540 cashback, less HK$2,000 fee	Application
	Citi HKTVmall Card	HK$1,000 sign-up	Up to 58	HK$1,800	−HK$800 / yrHK$1,000 sign-up, less HK$1,800 fee	Application
	BOC Chill World Mastercard	10% ongoing	Up to 56	HK$0	+HK$1,800 / yrHK$1,800 cashback	Application
	BOC Bliss Card	6% ongoing	Up to 56	HK$0	+HK$2,160 / yrHK$2,160 cashback	Application
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express	Blue Cash® Credit Card from American Express	1.2% ongoing	Up to 56	HK$0	+HK$432 / yrHK$432 cashback	Application

What people say online

Mostly positive

Our ongoing analysis of online discussion about this card type.

Hong Kong cashback credit cards typically offer competitive cashback rates on online shopping and designated merchants without annual fees, while also providing currency conversion fee elimination and wholesale exchange rates for international travel.

Cashback by the numbers

Cards compared

HK$1,200

Highest sign-up cashback

10%

Top ongoing rate

HK$350

Average annual fee

What is a cashback credit card?

Cashback cards pay back a percentage of what you spend. In Hong Kong the rebate is usually credited to your card account, either straight away each month or in the bank's own currency that you spend against your bill.

How cashback works in Hong Kong

Some Hong Kong cards pay one flat rate on almost everything. Others pay a higher rate on categories you choose, on online spend or at set merchants, with a cap on the bonus each month or year.

Some higher rates need you to register for the offer or reach a minimum spend first. So match the categories and conditions to what you already spend.

Things to check

Read the exclusions. Bill payments, insurance, e-wallet top-ups and tax payments often earn no rebate.

Hong Kong cards charge interest of over 30% a year, so if you carry a balance the interest soon outweighs any cashback. If you would rather earn miles or points, compare rewards cards.

Cashback credit card FAQs

We show the rate every purchase earns. Higher advertised rates usually apply only to set categories or merchants, sometimes after a minimum spend, and up to a cap. Each card lists its conditions.

How do cashback cards compare?

Build your own comparison

Choose 2 or 3 cards to compare side by side.

Questions and answers

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Related card types

Rewards credit cards

Sources

Credit Card Compare: Credit card statistics for Hong KongHow CardIQ scores cards