Loyalty program / Wikipedia
Top 10 Cashback Credit Cards in Hong Kong (2026) — Ranked & Reviewed
Tired of cashback that doesn't add up? In 2026, Hong Kong's top cards can unlock up to 6% back on groceries at Welcome and Fusion, 5% on dining, and bonus rewards for Octopus auto-reload—but only if you pick the right one. We dug into the fine print: category caps, utility exclusions, and spending patterns to find cards that truly payoff. Here are the 10 best cashback credit cards in Hong Kong for 2026, ranked by real earning potential.
Top10Grid lets the community re-rank anything — this order is our editors' pick for now; use the buttons below to vote it up or down.
Current Rankings
- –#1
Standard Chartered Unlimited Cashback Credit Card - Standard Chartered Bank (Hong Kong)
The Standard Chartered Unlimited Cashback Credit Card is the most straightforward and rewarding cashback card for most Hong Kong households. It delivers a flat, uncapped 1.5% on every HKD transaction, making it effortless to earn without tracking categories or worrying about caps.
For those who value simplicity and a high base rate, this card consistently outranks more complex options.
Key Metrics
Cashback rate:1.5% on all local spending, 2% on foreign currency spending, no cap, no minimum spend requirementAnnual fee:HK$0 (waived for life)Pros and Cons
Pros
- truly unlimited cashback with no cap
- no minimum spend to earn rewards
- cashback is automatically credited to your statement monthly, reducing the effective cost of purchases
- the annual fee is permanently waived for principal cardholders
- 2% on foreign currency spend makes it an excellent travel companion
Eligibility
- The card is available to Hong Kong residents aged 18 or above with a minimum annual income of HK$120,000
- Applicants need a valid HKID, proof of income (e.g., salary slips, bank statements), and proof of address
- Self-employed individuals must submit additional business documents
Things to Watch Out For
- the 1.5% rate, while excellent, does not offer bonus categories for heavy spenders in specific areas like dining or groceries
- no sign-up bonus or welcome miles option
- some competitors may beat it if you can maximize capped category rates
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
SourcesGoogle - –#2
OCBC 365 Credit Card - OCBC Wing Hang Bank
The OCBC 365 Card is a powerhouse for foodies and families who concentrate spending at restaurants, supermarkets, and food delivery platforms. The 3% tier is among the highest in the market, and the cap of HK$600 allows significant headroom—requiring HK$20,000 in category spend to max it out.
Even with mixed spending, the effective rate often surpasses flat-rate cards if you consistently spend over HK$5,000 monthly.
Key Metrics
Cashback rate up to:3% on dining, groceries, and selected online food delivery; 1% on all other spendingMonthly cashback cap:HK$600 across all categoriesMinimum spend of:HK$5,000 per statement month to qualify for the enhanced 3% rate; otherwise, base rate is 0.5%+2 morePros and Cons
Pros
- category-leading 3% on high-frequency categories
- the HK$600 monthly cap is generous compared to many peers
- no separate cap per category
- cashback is automatically credited
- complimentary travel insurance and shopping protection
Eligibility
- Applicants must be Hong Kong residents aged 18+, with annual income of at least HK$150,000
- Required documents include HKID, address proof, and recent income proofs (e.g., tax return, pay slips)
- Self-employed applicants need the latest business registration and bank statements
Things to Watch Out For
- the minimum spend of HK$5,000 must be met every single month—if you fall short, the rate drops to 0.5% for that entire statement
- the annual fee is only waived with moderate annual spending
- the 3% categories exclude major chains like some supermarket sub-brands
- the 1% base rate is below standard flat-rate competitors
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
SourcesGoogle - –#3
DBS Black World Mastercard - DBS Bank (Hong Kong)
The DBS Black Visa is a well-rounded, premium-positioned cashback card that offers unlimited cashback with a slight uplift for international transactions. It sits comfortably between flat-rate 1% cards and the top-tier 1.5% option, but its value shines for frequent travelers or online shoppers dealing in foreign currencies, who can earn 2% without cap.
Key Metrics
Cashback rate:1.2% on all local spending, 2% on overseas spending, both with no capNo minimum spend required:Annual fee:HK$800, waived if annual spending reaches HK$100,000; otherwise partially waived for select customer segmentsPros and Cons
Pros
- no cap on cashback, making it ideal for high spenders
- 2% on foreign currency transactions unlocks significant value for overseas spending and online purchases from non-HKD merchants
- cashback is credited monthly and can be redeemed in increments as low as HK$10
- includes complimentary travel insurance and priority lane at select airport lounges
- the DBS PayLah! app integration adds convenience for managing rewards
Eligibility
- Hong Kong residents 18+ with annual income of HK$150,000 or more
- Standard documents: HKID, proof of address, latest 3 months’ salary slips or bank statements
- Self-employed individuals need additional financial statements
Things to Watch Out For
- the local cashback rate of 1.2% is beaten by SC Unlimited
- annual fee waiver requires a high spending threshold (HK$100,000), which many average households may not meet
- the card’s design and reward structure are less dynamic than newer competitors
- overseas spend must be in foreign currency to trigger the 2% rate
- no elevated categories for dining or groceries
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
- –#4
Citibank Cash Back Credit Card - Citibank (Hong Kong)
The Citibank Cash Back Card is a strong all-rounder with double cashback on two high-spend categories: dining and overseas purchases. The 2% rate is competitive, and the HK$500 monthly cap per category means you can earn up to HK$1,000 in total cashback every month.
It particularly suits households that eat out frequently and travel or buy from international websites.
Key Metrics
Cashback rate:2% on dining, 2% on overseas spending, and 1% on all other local spendingMonthly cashback cap of:HK$500 per categoryNo minimum spend to earn cashback:+1 morePros and Cons
Pros
- high 2% cashback on dining, a category that easily adds up
- same 2% on overseas spend, making it a dual-purpose card
- the HK$500 caps are relatively generous, allowing you to spend HK$25,000 in each 2% category before hitting the limit
- cashback is automatically offset against your statement balance
- the annual spending threshold for fee waiver is low at HK$30,000
Eligibility
- Open to Hong Kong residents aged 18+ with minimum annual income of HK$120,000
- Documentation required: HKID, residential address proof, and recent income proofs
- Citigold or Citibanking clients may enjoy expedited approval
Things to Watch Out For
- the 1% base rate for non-dining local spend is lower than flat-rate leaders
- caps can be restrictive for large families—hitting the dining cap after HK$25,000 spend per month is easy if you dine out extensively
- the card does not offer uncapped rewards
- overseas spend is defined by currency conversion, so HKD purchases from overseas merchants do not earn 2%
- redemption of cashback is only monthly, and there is no lump-sum option
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
SourcesGoogle - –#5
Bank of China (Hong Kong) Cashback Mastercard - BOCHK
BOCHK’s Cashback Mastercard offers a reliable flat-rate 1.2% on everything, mirroring the DBS Black local rate but without the complexity of an overseas bonus. It’s a card for those who value simplicity and want a single rate that works everywhere, from wallet payments to online transactions.
While not the highest flat rate, its ease of use and strong fee waiver conditions make it a practical choice for many HK households.
Key Metrics
Cashback rate:1.2% on all local and overseas spending, no cap, no minimum spendAnnual fee:HK$800, waived for life for new customers who apply online and meet an initial spending promotion; otherwise waived with annual spending of HK$30,000Pros and Cons
Pros
- uncapped 1.2% on all spending categories, local or foreign
- no minimum spend thresholds
- the annual fee is easily waived with modest spending or via online promotion
- cashback is automatically redeemed monthly, reducing your balance
- the card integrates smoothly with the BOC Pay app for bill payments and QR code spending, earning the same rate
- it also offers access to BOC SmartWallet privilege programs
Eligibility
- Applicants must be Hong Kong residents 18+ with annual income of HK$120,000
- Standard documents: HKID, address proof, and latest income proofs
- Existing BOCHK account holders may enjoy a faster application process
Things to Watch Out For
- the 1.2% rate falls short of the 1.5% offered by Standard Chartered Unlimited
- there is no bonus category for any specific spend, so it feels less tailored for heavy spenders in particular areas
- the card lacks travel perks like lounge access
- some users report slower cashback posting compared to international banks
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
SourcesGoogle - –#6
HSBC Pulse Card - The Hongkong and Shanghai Banking Corporation Limited
The HSBC Pulse Card targets younger, digitally-savvy users with enhanced rewards on dining and online purchases. Its 2% on dining is attractive, but the low cap of HK$200 per category severely limits upside for higher-income households.
For average earners who keep monthly dining spend under HK$10,000 and online spend under HK$20,000, it can be a decent supplementary card rather than a primary cashback driver.
Key Metrics
Cashback rate:2% on dining and entertainment, 1% on online shopping, and 0.4% on all other local spendingMonthly cashback cap of:HK$200 per categoryNo minimum spend to earn cashback:+1 morePros and Cons
Pros
- 2% on dining/entertainment is a strong category rate
- 1% on online shopping gives a slight bump for e-commerce
- no minimum spend requirement ensures you always earn something
- the card acts as an Octopus with automatic top-up, earning 0.4% on that spend
- access to HSBC-driven discounts through the Pulse app
Eligibility
- Open to Hong Kong residents 18+ with annual income of HK$80,000 or more
- Required: HKID, proof of address, and income documents
- Students may apply with a lower income threshold and parental guarantee
Things to Watch Out For
- the 0.4% base rate is among the lowest in the market, dragging down the effective rate for non-bonus spend
- the HK$200 monthly cap per category means a 2% reward maxes out at just HK$10,000 dining spend, which a family could hit quickly
- the effective cashback on a typical HK$15,000 mix is under 1%
- the annual fee is not automatically waived permanently
- cashback is credited as RewardCash, which requires manual redemption
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
SourcesGoogle - –#7
Hang Seng WeLend+ Cashback Credit Card - Hang Seng Bank
The Hang Seng WeLend+ Card is a co-branded product with WeLend, a Hong Kong fintech lending platform, offering a simple, no-strings-attached 1% cashback. It is designed for users who want a clean, fee-free card that delivers a flat reward without worrying about caps or category exclusions.
While not the highest-rate card, the permanent annual fee waiver and effortless earning make it a solid everyday option for moderate spenders.
Key Metrics
Cashback rate:1% on all local and overseas spending, no cap, no minimum spendAnnual fee:HK$0 permanentlyPros and Cons
Pros
- truly zero annual fee forever, so it can be kept with zero cost
- 1% unlimited cashback on all spend, both HKD and foreign currency, gives predictability
- no minimum spend, so even small transactions earn
- cashback is automatically redeemed each month as a statement credit
- the card provides integration with the WeLend app for loan management and offers
- it is widely accepted as a Mastercard
Eligibility
- Hong Kong residents aged 18+ with annual income of HK$100,000
- Required: HKID, proof of address, recent payslips or bank statements
- Existing WeLend borrowers may receive pre-approval or promotional onboarding
Things to Watch Out For
- the 1% rate is modest compared to market leaders at 1.2% or 1.5%
- there are no bonus categories to accelerate earning for high-spend areas
- no travel insurance or premium card perks
- the card’s tie-in with WeLend may not appeal to those who do not use peer-to-peer lending services
- redemption value is fixed at 1 HKD = 1 Cash Dollar, so there is no upside through points conversion
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
SourcesGoogle - –#8
AEON Cashback Credit Card - AEON Credit Service (Hong Kong)
AEON’s cashback card is a humble, flat-rate performer that returns 1% on all transactions through AEON’s point system. While the 1% is standard, the card’s strength lies in the AEON ecosystem: points can be used for instant discounts at AEON supermarkets, Living Plaza, and Bento Express, making it a practical choice for families who regularly shop at AEON.
It is not the highest earner, but its niche value and low barriers keep it in the conversation.
Key Metrics
Cashback rate:1% on all spending, with cashback earned as AEON Points, no cap, no minimum spendAnnual fee:HK$300, waived for the first year and upon request for subsequent years if the card is actively usedFor a:HK$15,000 monthly spend, effective cashback is 1% (HK$150/month) but redemption relies on spending at AEON stores or converting pointsPros and Cons
Pros
- 1% flat cashback with no cap
- no minimum spend
- points never expire as long as the card is active
- instant point redemption at AEON stores provides immediate savings on groceries and household goods
- the card is available even to those with modest incomes, as AEON often has more flexible credit assessment
- periodic member-only discounts and birthday offers
Eligibility
- Hong Kong residents 18+ with annual income of HK$60,000 or more
- Documentation: HKID, proof of address, and income proof (or MPF statement plus latest bank statement)
- AEON accepts a broader range of income documents, making it accessible to gig workers
Things to Watch Out For
- the 1% reward is effectively store credit—you must spend within the AEON family to realize full value, which reduces flexibility
- some competitors offer direct statement cashback instead of points
- the annual fee, though waivable, is a friction point
- no bonus categories mean it cannot compete with dining or grocery-specific cards
- international acceptance may incur additional fees
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
- –#9
UOB One Card - United Overseas Bank (Hong Kong)
The UOB One Card is a high-effort, high-potential card that rewards those who can consistently hit spending tiers. The headline 10% is eye-catching, but the HK$100 monthly cap means you only get that rate on the first HK$1,000 of category spend.
For disciplined users who can align their monthly budget with the card’s tiers, it can outperform simple flat-rate cards, but many will find the effective rate underwhelming on a typical diversified spend.
Key Metrics
Cashback rate up to:10% on selected categories (dining, groceries, fuel, online shopping) when monthly spending meets HK$5,000; otherwise, base rate is 0.5%Bonus cashback cap::HK$100 per monthAdditional:1% rebate on recurring bill payments+1 morePros and Cons
Pros
- the 10% bonus on selected categories is one of the highest in the market
- no need to choose categories—spend qualifies as long as it falls into one of the predefined groups
- additional 1% on recurring bill payments adds a steady stream
- the card forces budgeting discipline through spending targets
Eligibility
- Applicants must be Hong Kong residents aged 18+ with annual income of HK$120,000
- Requirements: HKID, address proof, and proof of income
- Self-employed individuals need business registration and financial statements
Things to Watch Out For
- the HK$100 bonus cap severely restricts earning—you only get HK$100 extra cashback per month at the 10% rate
- the base 0.5% on non-bonus spend is poor, dragging down the overall effective rate
- missing the HK$5,000 spending target in any month means you earn only 0.5% on all transactions that cycle
- the high perceived rate can mislead users who don’t calculate their actual returns
- redemption of cashback requires manual request and may have a minimum accumulated amount
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
- –#10
BEA Preferred Platinum Credit Card - The Bank of East Asia
The BEA Preferred Platinum card specifically targets online shoppers with an above-average 2% on e-commerce transactions. However, the hefty minimum spend to unlock that rate and the low HK$200 cap make it a mediocre performer for many.
For a household that spends heavily and exclusively online, it could serve as a supplementary card, but as a primary cashback tool, the effective rate falls short of simpler alternatives.
Key Metrics
Cashback rate:2% on online shopping, 1% on all other local and overseas spendingMonthly cashback cap of:HK$200 per categoryMinimum spend:HK$5,000 per statement cycle to qualify for the 2% online rate; otherwise, base 0.5%+1 morePros and Cons
Pros
- 2% on online shopping covers a broad range of merchants, from Taobao to Amazon
- no need to select specific merchant categories
- cashback is applied directly to the statement
- the card comes with standard Platinum benefits like dining offers and travel insurance
Eligibility
- Open to Hong Kong residents 18+ with annual income of HK$120,000 or more
- Standard documents: HKID, address proof, and recent income proof
- Existing BEA banking customers may get preferential processing
Things to Watch Out For
- the mandatory HK$5,000 monthly spend to unlock the 2% online rate creates a barrier—if you fall short, the online cashback drops to 0.5% for that month
- the HK$200 cap on online cashback means you max out the benefit at just HK$10,000 online spend, which is low for regular online shoppers
- the 1% base rate on non-online spend is mediocre
- the card lacks a consistent value proposition for those who do not make frequent online purchases
- the effective rate on a mixed spend is below 1%
Rates are indicative and subject to change. Always verify current rates directly with the bank before applying.
SourcesGoogle
Quick Comparison
| Metric | #1Standard Chartered Unlimited Cashback Credit Card - Standard Chartered Bank (Hong Kong) | #2OCBC 365 Credit Card - OCBC Wing Hang Bank | #3DBS Black World Mastercard - DBS Bank (Hong Kong) | #4Citibank Cash Back Credit Card - Citibank (Hong Kong) | #5Bank of China (Hong Kong) Cashback Mastercard - BOCHK | #6HSBC Pulse Card - The Hongkong and Shanghai Banking Corporation Limited | #7Hang Seng WeLend+ Cashback Credit Card - Hang Seng Bank | #8AEON Cashback Credit Card - AEON Credit Service (Hong Kong) | #9UOB One Card - United Overseas Bank (Hong Kong) | #10BEA Preferred Platinum Credit Card - The Bank of East Asia |
|---|---|---|---|---|---|---|---|---|---|---|
| Cashback rate | 1.5% on all local spending, 2% on foreign currency spending, no cap, no minimum spend requirement | — | 1.2% on all local spending, 2% on overseas spending, both with no cap | 2% on dining, 2% on overseas spending, and 1% on all other local spending | 1.2% on all local and overseas spending, no cap, no minimum spend | 2% on dining and entertainment, 1% on online shopping, and 0.4% on all other local spending | 1% on all local and overseas spending, no cap, no minimum spend | 1% on all spending, with cashback earned as AEON Points, no cap, no minimum spend | — | 2% on online shopping, 1% on all other local and overseas spending |
| Annual fee | HK$0 (waived for life) | HK$800, waived for the first year and subsequently waived with annual spending of HK$60,000 | HK$800, waived if annual spending reaches HK$100,000; otherwise partially waived for select customer segments | HK$800, waived for the first year and then waived with annual spending of HK$30,000 | HK$800, waived for life for new customers who apply online and meet an initial spending promotion; otherwise waived w… | HK$0 for the first year, then HK$300 and waived with annual spending of HK$30,000 | HK$0 permanently | HK$300, waived for the first year and upon request for subsequent years if the card is actively used | HK$500, waived for the first year and waived subsequently with annual spending of HK$30,000 | HK$800, waived for the first year and then waived with annual spending of HK$30,000 |
| Cashback rate up to | — | 3% on dining, groceries, and selected online food delivery; 1% on all other spending | — | — | — | — | — | — | 10% on selected categories (dining, groceries, fuel, online shopping) when monthly spending meets HK$5,000; otherwise… | — |
| Monthly cashback cap | — | HK$600 across all categories | — | — | — | — | — | — | — | — |
| Minimum spend of | — | HK$5,000 per statement month to qualify for the enhanced 3% rate; otherwise, base rate is 0.5% | — | — | — | — | — | — | — | — |
Data extracted from item descriptions. Verify rates with the issuing institution.
The headline rate is rarely the rate you actually earn
A card advertising a large headline percentage on a bonus category is only worth that rate up to whatever monthly cap applies — beyond the cap, or outside the bonus category, spending typically reverts to a much lower base rate, sometimes under 1%. The number worth comparing across cards isn't the biggest percentage printed on the card face, it's the effective rate on your own actual spending mix once caps, category exclusions, and any minimum-spend threshold required to unlock the higher rate are applied — a card that misses its minimum spend in a given month often reverts to its lowest tier for that entire billing cycle, not just for the shortfall.
Fee waivers and redemption format are part of the real cost
Many "no annual fee" cashback cards only waive the fee permanently for the first year and then require a minimum annual spend to keep the waiver going forward — falling short quietly converts what looked like a free card into a fee-bearing one. It's also worth checking whether cashback is credited as a statement rebate you can use anywhere, or as points/store credit redeemable only within one retailer's ecosystem, since the second format is worth less than its face value to anyone who doesn't already shop there regularly. Card terms of this kind change often, so any specific rate or fee is worth re-verifying directly with the issuer rather than assumed from a snapshot comparison.
Image credits
- Standard Chartered Unlimited Cashback Credit Card - Standard Chartered Bank (Hong Kong): Bing Images / cdn.singpromos.com
- OCBC 365 Credit Card - OCBC Wing Hang Bank: Bing Images / www.ocbc.com
- DBS Black World Mastercard - DBS Bank (Hong Kong): Debit card / Wikipedia
- Citibank Cash Back Credit Card - Citibank (Hong Kong): Debit card / Wikipedia
- Bank of China (Hong Kong) Cashback Mastercard - BOCHK: Bing Images / www.livibank.com
- HSBC Pulse Card - The Hongkong and Shanghai Banking Corporation Limited: Bing Images / c8.alamy.com
- Hang Seng WeLend+ Cashback Credit Card - Hang Seng Bank: Bing Images / www.hangseng.com
- AEON Cashback Credit Card - AEON Credit Service (Hong Kong): Loyalty program / Wikipedia
- UOB One Card - United Overseas Bank (Hong Kong): Debit card / Wikipedia
- BEA Preferred Platinum Credit Card - The Bank of East Asia: Bing Images / www.hkbea.com
Related Videos
Frequently asked questions
What is the best cashback credit card in Hong Kong for 2026?
The best cashback card depends on your spending habits, but top options in 2026 include the HSBC Visa Signature (with up to 4.4% cashback on dining and travel) and the Citi Cash Back Card (offering 2% unlimited cashback on all purchases).
Are there annual fees for cashback credit cards in Hong Kong?
Most top cashback cards in Hong Kong, such as the DBS Black Card and Standard Chartered Smart Card, waive the annual fee for the first year; subsequent fees are often waived upon request if you meet minimum spending requirements.
What is the maximum cashback I can earn per month or year?
Cashback caps vary by card—for example, the HSBC Visa Signature caps cashback at HKD 400 per month on category spending, while the Citi Cash Back Card has no cap, providing unlimited 2% cashback on all spending.
How do cashback credit cards compare to rewards points cards in Hong Kong?
Cashback cards give direct monetary returns (typically 1–4%) with no need to redeem points, whereas rewards points cards like the American Express Platinum offer travel perks and mile conversion but may have lower base earn rates and expiry concerns.
Can I use a Hong Kong cashback credit card for overseas spending?
Yes, but most cards charge a foreign transaction fee of around 1–2%; the Standard Chartered Cashback Card, however, offers 2% cashback on overseas spending, which can offset the fee for frequent travelers.
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