The DBS Black Visa Card delivers the highest dedicated grocery cashback rate in Hong Kong at 5% via the DBS Wallet app, alongside 3% on utilities and 1% on other purchases. Based on a typical monthly spend of HK$10,000, this yields an effective rate of 4.2%, outperforming #2 HSBC Pulse's 2.8% effective cashback. The annual fee is waived when your cumulative monthly balance reaches HK$3,000. Outperforming #3 OCBC 365's 4-category flexibility, DBS focuses its rewards through the app, enabling this top grocery-specific rate.
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