Swipe Mode
Top 10 Best Cashback Credit Cards in Hong Kong 2026
10 remaining
#1
DBS Black World Mastercard - DBS Bank
The DBS Black World Mastercard is a top-tier cashback card for high-spending HK households. It offers an industry-leading 5% cashback on dining and online shopping, and 2% on all other local spend. With a monthly cap of HK$1,000 on bonus categories, a typical HK$15,000 household spend yields around HK$540 in cashback, one of the highest effective rates. Best for frequent diners and online shoppers who can meet the HK$8,000 monthly minimum spend to unlock full rewards.
#2
HSBC Pulse UnionPay Dual Currency Diamond Credit Card - HSBC
The HSBC Pulse card is a dual-currency UnionPay card offering up to 4.4% cashback on eligible spend, with a standout 4.4% on overseas transactions and 2.4% on local dining and groceries. Its dual-currency feature in HKD and RMB makes it ideal for HK residents with cross-border spending. With no annual fee for the first year and a modest HK$1,000 monthly cap, a typical HK$15,000 household spend generates around HK$350 cashback. Best for frequent travellers and shoppers in China.
#3
OCBC 365 Credit Card - OCBC Bank
The OCBC 365 card is a strong all-rounder for HK households, offering 3% cashback on dining, petrol, and online shopping, with 2% on travel and 1% on other spend. Its competitive rates and low HK$500 monthly cap make it ideal for moderate spenders. A typical HK$15,000 household monthly spend yields around HK$300 cashback, with no minimum spend required. Best for those who want straightforward cashback on everyday categories without complex tiers.