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Curated by the Top10Grid editorial team. Rankings driven by community votes and updated daily.
The highest effective cashback rates across groceries, dining, utilities, and shopping. Ranked by real-world earning potential. Data verified from official bank websites and MoneyHero.hk, April 2026.
Curated by the Top10Grid editorial team. Rankings driven by community votes and updated daily.
5% cashback on groceries via DBS Wallet app, 3% on utilities (electricity, water, gas), 1% on other purchases. Free annual fee if cumulative monthly balance ≥ HK$3,000. Effective 4.2% across typical monthly spend. Verified April 2026, DBS official website.
Tiered cashback: 5% on insurance, 4% on utilities, 3% on supermarkets, 1% on other spending. No spending cap. Free annual fee. Effective 2.8% across typical spend. Verified April 2026, HSBC official website.
5% cashback on 4 categories of choice (groceries, utilities, petrol, dining). 1% base rate on other purchases. No annual fee. Effective 3.5-4% depending on category mix. Verified April 2026, OCBC official website.
1.5% flat cashback on all purchases. No category restrictions or spending cap. Annual fee HK$800 (waivable with HK$100k+ annual spend). Effective 1.5% with flexibility. Verified April 2026, Citibank website.
1% cashback on all purchases with no cap or restrictions. Zero annual fee. Simplicity and flexibility trade-off against lower rate. Verified April 2026, Standard Chartered website.
1.5% cashback on all purchases. Annual fee HK$300 (waivable). Broadest acceptance among HK retail merchants. Effective 1.5%. Verified April 2026, BOC website.
1% cashback on all spending. Zero annual fee. Integrated with BEA Online for easy redemption. Verified April 2026, BEA website.
2% cashback on lifestyle and entertainment purchases. 1% on other purchases. Annual fee HK$500 (waivable). Effective 1.5% with lifestyle focus. Verified April 2026, Hang Seng website.
Up to 3.33% cashback depending on category (insurance 3.33%, utilities 1.7%, shopping 1%). Zero annual fee. Verified April 2026, UOB website.
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5% cashback on groceries via DBS Wallet app, 3% on utilities (electricity, water, gas), 1% on other purchases. Free annual fee if cumulative monthly balance ≥ HK$3,000. Effective 4.2% across typical monthly spend. Verified April 2026, DBS official website.
Tiered cashback: 5% on insurance, 4% on utilities, 3% on supermarkets, 1% on other spending. No spending cap. Free annual fee. Effective 2.8% across typical spend. Verified April 2026, HSBC official website.
5% cashback on 4 categories of choice (groceries, utilities, petrol, dining). 1% base rate on other purchases. No annual fee. Effective 3.5-4% depending on category mix. Verified April 2026, OCBC official website.
1.5% flat cashback on all purchases. No category restrictions or spending cap. Annual fee HK$800 (waivable with HK$100k+ annual spend). Effective 1.5% with flexibility. Verified April 2026, Citibank website.
1% cashback on all purchases with no cap or restrictions. Zero annual fee. Simplicity and flexibility trade-off against lower rate. Verified April 2026, Standard Chartered website.
1.5% cashback on all purchases. Annual fee HK$300 (waivable). Broadest acceptance among HK retail merchants. Effective 1.5%. Verified April 2026, BOC website.
1% cashback on all spending. Zero annual fee. Integrated with BEA Online for easy redemption. Verified April 2026, BEA website.
2% cashback on lifestyle and entertainment purchases. 1% on other purchases. Annual fee HK$500 (waivable). Effective 1.5% with lifestyle focus. Verified April 2026, Hang Seng website.
Up to 3.33% cashback depending on category (insurance 3.33%, utilities 1.7%, shopping 1%). Zero annual fee. Verified April 2026, UOB website.
Top 10 Best HKD Time Deposit Rates in Hong Kong May 2026
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