Top 10 Best Cashback Credit Cards in Hong Kong 2026

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.

HSBC Pulse UnionPay Dual Currency Diamond Credit Card - HSBC

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.

OCBC 365 Credit Card - OCBC Bank

The Citibank Cash Back Card offers unlimited 2% cashback on dining and overseas spend, with 1% on local transactions. Its standout feature is no cap on cashback, making it ideal for high spenders. A typical HK$15,000 household spend generates around HK$200 cashback, with no minimum monthly requirement. Best for those who spend heavily on dining and travel and want simplicity without worrying about limits.

Citibank Cash Back Card - Citibank

The Standard Chartered Unlimited Cashback Card offers a flat 2% cashback on all retail spend with no caps or categories—simple and powerful. A typical HK$15,000 household spend generates HK$300 cashback, with no minimum spend required. Best for those who want maximum simplicity and don't want to track categories. The lack of a cap makes it particularly valuable for larger monthly expenses like utilities and insurance.

Standard Chartered Unlimited Cashback Card - Standard Chartered

The BOCHK Cashback Card offers up to 8% cashback on designated categories including groceries, dining, and online shopping, with a tiered structure rewarding heavy spending. After meeting a HK$5,000 minimum monthly spend, the effective rate for a typical HK$15,000 household spend is around HK$360 cashback. Best for grocery shoppers and those who can maintain consistent high spending across multiple categories.

BOCHK Cashback Card - Bank of China (Hong Kong)

The BEA Preferred Card offers 2% cashback on retail spend and 3% on designated categories like dining and online shopping, with a low HK$1,000 monthly cap. A typical HK$15,000 household spend yields around HK$200 cashback. Best for moderate spenders who value straightforward rewards on dining and online shopping without high minimums.

BEA Preferred Credit Card - Bank of East Asia

The Hang Seng WeLend+ card is a modern digital-first card offering up to 8% cashback on online shopping and dining, with a cap of HK$500 per month. A typical HK$15,000 household spend yields around HK$250 cashback. Best for tech-savvy users who primarily shop online and want seamless digital wallet integration with Apple Pay and Google Pay.

Hang Seng WeLend+ Credit Card - Hang Seng Bank

The UOB One card offers up to 5% cashback on groceries, dining, and online shopping, with a monthly cap of HK$600. A typical HK$15,000 household spend yields around HK$300 cashback, provided the minimum HK$5,000 spend is met. Best for households focused on grocery bills and online shopping, with competitive bonus categories.

UOB One Credit Card - United Overseas Bank

The AEON Card offers a straightforward 5% cashback on all retail spend, with no cap, but is limited to AEON partner stores and specific categories. A typical HK$15,000 household spend yields around HK$500 cashback if spending aligns with eligible categories. Best for frequent shoppers at AEON retail stores and those who want a simple unlimited cashback structure.

AEON Card - AEON Credit Service