Cashback Credit Cards

Last updated: 2026-08-27

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Quick Summary

Product	Rate / Reward	Bonus Value	Min. Annual Income	Annual Fee
Citi Cash Back Card Citibank	Up to 2% cashback	HK$2,500 Apple gift card ≈ HK$7,293	HK$120,000	HK$1,800 (first year waived)	Apply Now ↗
DBS Eminent Visa Platinum DBS Bank	Up to 5% cashback	HK$1,500 Apple gift card ≈ HK$4,317	HK$150,000	HK$1,800	Apply Now ↗
Standard Chartered Smart Card Standard Chartered	Up to 5% cashback	HK$1,500 Apple gift card ≈ HK$4,667	HK$96,000	No annual fee, forever	Apply Now ↗
CNCBI Motion Credit Card CNCBI	Up to 10% cashback	HK$1,000 cashback via FPS ≈ HK$4,700	HK$96,000	HK$1,800	Apply Now ↗
CNCBI GBA Dual-Currency Card CNCBI	Up to 10% on RMB spend	HK$1,000 cashback via FPS ≈ HK$4,700	HK$96,000	HK$1,800	Apply Now ↗
Mox Credit Card (CashBack) Mox Bank	Up to 3% cashback	HK$1,200 cashback ≈ HK$4,590	None	$0 annual fee, forever	Apply Now ↗
sim Credit Card CNCBI	Up to 8% cashback	HK$800 cashback via FPS ≈ HK$4,980	None	HK$800, first year waived	Apply Now ↗
HSBC Red Credit Card HSBC	Up to 4% cashback	— ≈ HK$850	HK$120,000	No annual fee, forever	Apply Now ↗
Hang Seng MMPOWER World Mastercard Hang Seng Bank	Up to 8% +FUN Dollars	HK$1,000 cashback (new customers) ≈ HK$4,980	HK$150,000	No annual fee, forever	Apply Now ↗
Standard Chartered Simply Cash Visa Standard Chartered	Up to 2% cashback	HK$1,500 Apple gift card ≈ HK$4,267	HK$96,000	HK$2,000	Apply Now ↗
Hang Seng enJoy Card Hang Seng Bank	Up to 2% cashback	Delsey luggage (worth HK$4,980) ≈ HK$5,680	HK$150,000	No annual fee, forever	Apply Now ↗
BOC Bliss Card BOC Hong Kong	Up to 6% cashback	HK$800 Wellcome voucher ≈ HK$4,980	HK$600,000	HK$3,800	Apply Now ↗
BOC Chill Platinum Mastercard BOC Hong Kong	Up to 8% cashback	HK$800 Wellcome voucher ≈ HK$4,980	HK$150,000	Annual fee waived forever	Apply Now ↗
WeLab Credit Card WeLab Bank	Up to 3% cashback	HK$1,000 cashback ≈ HK$2,600	None	No annual fee, forever	Apply Now ↗
Citi Octopus Platinum Citibank	Up to 15% transport rebate	—	HK$120,000	HK$1,800	Apply Now ↗
HSBC Pulse UnionPay Dual Currency HSBC	Up to 4.4% cashback	Stanley tumbler (worth HK$315) ≈ HK$1,998	HK$120,000	HK$1,800	Apply Now ↗
DBS Live Fresh Card DBS Bank	Up to 6% on online spend	HK$400 Apple gift card ≈ HK$450	HK$150,000	HK$1,800	Apply Now ↗
DBS Live Fresh Tertiary Student Card DBS Bank	Up to 6% cashback	HK$400 Apple gift card ≈ HK$450	None	HK$1,800	Apply Now ↗
HSBC Visa Gold Card (Student) HSBC	Up to 2.4% cashback	Stanley tumbler (worth HK$315) ≈ HK$1,198	None	No annual fee, forever	Apply Now ↗
Prime Credit WeWa Visa (Student) Prime Credit	Up to 10% cashback	HK$600 exclusive welcome offer ≈ HK$2,000	None	HK$1,500, first 5 years waived	Apply Now ↗
DBS COMPASS VISA DBS Bank	Up to 8% at supermarkets	HK$400 Apple gift card ≈ HK$450	HK$100,000	HK$1,800	Apply Now ↗
BOC Octopus Card BOC Hong Kong	Octopus top-up rebates	—	HK$60,000	HK$300	Apply Now ↗

For reference only. Actual terms are subject to each institution's official announcement. Monthly repayment estimated on HK$180,000 over 24 months.

FAQ

When does cashback post?

Depending on the issuer, rebates auto-offset after statement date, deposit into a linked account, or accrue to a threshold — check each card\u2019s terms.