AEON Card

AEON Card offers a market-leading 2% cashback on AEON purchases and 1% on other merchants, with no annual fee. This outperforms Standard Chartered's flat 1% rate, delivering double the rewards at 150+ Hong Kong outlets. Its integrated loyalty program stacks rewards, boosting effective returns to around 1.5% average across all spending—30% more rewarding than the UOB One Card's 1.7% on utilities. However, for insurance and utilities, UOB One's 3.33% and 1.7% rates exceed AEON's general 1% cap.