Top 10 Best Cashback Credit Cards in Hong Kong 2026

The HSBC Pulse card offers up to 4.4% cashback on groceries, dining, and online spending, with a focus on UnionPay acceptance. It caters to Hong Kong families who shop at supermarkets like Wellcome or ParknShop, providing 2.4% base cashback and bonus rates on specific categories. Its key differentiator is the uncapped cashback on grocery spending, making it a top choice for households with HK$15,000 monthly spend where groceries take a big share.

HSBC Pulse UnionPay Dual Currency Diamond Credit Card - HSBC

The OCBC 365 card provides up to 3% cashback on dining, groceries, and petrol, with a focus on everyday essentials. It suits families and commuters who spend heavily on dining and fuel, offering a flat 1% on other spending. Its key differentiator is the consistent 3% cashback on petrol and dining without complex category rotations, making it a straightforward choice for predictable returns on HK$15,000 monthly spend.

OCBC 365 Credit Card - OCBC Bank

The Citibank Cash Back Card offers a flat 2% cashback on dining and overseas spending, with 1% on local retail, all uncapped. It suits travelers and diners who value simplicity and high overseas rates. Its key differentiator is the unlimited cashback structure, meaning no monthly cap, which makes it ideal for households with HK$15,000 monthly spend who can maximize returns on dining-heavy budgets.

Citibank Cash Back Card - Citibank

The Standard Chartered Unlimited Cashback Card offers a flat 1.5% cashback on all spending, uncapped, with no categories or minimum spend. It suits consumers who want simplicity and consistency, avoiding category tracking. Its key differentiator is the hassle-free, flat rate that works well for households with variable spending patterns, delivering stable returns on HK$15,000 monthly spend without caps.

Standard Chartered Unlimited Cashback Card - Standard Chartered

The BOCHK Cashback Card provides up to 8% cashback on designated categories like online shopping, supermarkets, and petrol, with a monthly cap of HK$400. It suits tech-savvy shoppers in Hong Kong who frequently buy online. Its key differentiator is the high 8% promotional rate on selected merchants, making it attractive for households that can align spending with BOCHK partners for HK$15,000 monthly spend.

BOCHK Cashback Credit Card - Bank of China Hong Kong

The BEA Preferred Card offers up to 2.5% cashback on dining, travel, and online spending, with a flat 0.5% on other expenses. It suits middle-income Hong Kong residents who prioritize dining out and online shopping. Its key differentiator is the free annual fee for life with consistent usage, making it a long-term cost-effective option for households with HK$15,000 monthly spend.

BEA Preferred Credit Card - Bank of East Asia

The Hang Seng WeLend+ card provides up to 4% cashback on online shopping, dining, and travel, with a flat 1% on other spending. It targets younger consumers who manage budgets via a linked savings account. Its key differentiator is the integration with Hang Seng's savings platform, offering bonus rates when linked to a WeLend account, making it a solid choice for tech-savvy households with HK$15,000 monthly spend.

The UOB One Card offers up to 3% cashback on dining, groceries, and transport, with a flat 0.5% on other spending. It suits commuters and dine-out lovers in Hong Kong who want simple rewards. Its key differentiator is the strong dining and groceries coverage for everyday spending, making it a reliable option for households with HK$15,000 monthly spend where these categories dominate.

UOB One Credit Card - United Overseas Bank

The AEON Card WAKUWAKU offers up to 6% cashback on selected categories like online shopping and groceries, with a flat 1% base rate. It suits budget-conscious spenders with no income requirement, offering flexibility without minimum spend. Its key differentiator is the no-minimum-income eligibility, making it accessible for students and part-timers, while still providing competitive cashback for HK$15,000 monthly spend households.

AEON Card WAKUWAKU - AEON Credit Service

The HSBC Pulse card offers up to 4.4% cashback on groceries, dining, and online spending, with a focus on UnionPay acceptance. It caters to Hong Kong families who shop at supermarkets like Wellcome or ParknShop, providing 2.4% base cashback and bonus rates on specific categories. Its key differentiator is the uncapped cashback on grocery spending, making it a top choice for households with HK$15,000 monthly spend where groceries take a big share.

HSBC Pulse UnionPay Dual Currency Diamond Credit Card - HSBC

The OCBC 365 card provides up to 3% cashback on dining, groceries, and petrol, with a focus on everyday essentials. It suits families and commuters who spend heavily on dining and fuel, offering a flat 1% on other spending. Its key differentiator is the consistent 3% cashback on petrol and dining without complex category rotations, making it a straightforward choice for predictable returns on HK$15,000 monthly spend.

OCBC 365 Credit Card - OCBC Bank

The Citibank Cash Back Card offers a flat 2% cashback on dining and overseas spending, with 1% on local retail, all uncapped. It suits travelers and diners who value simplicity and high overseas rates. Its key differentiator is the unlimited cashback structure, meaning no monthly cap, which makes it ideal for households with HK$15,000 monthly spend who can maximize returns on dining-heavy budgets.

Citibank Cash Back Card - Citibank

The Standard Chartered Unlimited Cashback Card offers a flat 1.5% cashback on all spending, uncapped, with no categories or minimum spend. It suits consumers who want simplicity and consistency, avoiding category tracking. Its key differentiator is the hassle-free, flat rate that works well for households with variable spending patterns, delivering stable returns on HK$15,000 monthly spend without caps.

Standard Chartered Unlimited Cashback Card - Standard Chartered

The BOCHK Cashback Card provides up to 8% cashback on designated categories like online shopping, supermarkets, and petrol, with a monthly cap of HK$400. It suits tech-savvy shoppers in Hong Kong who frequently buy online. Its key differentiator is the high 8% promotional rate on selected merchants, making it attractive for households that can align spending with BOCHK partners for HK$15,000 monthly spend.

BOCHK Cashback Credit Card - Bank of China Hong Kong

The BEA Preferred Card offers up to 2.5% cashback on dining, travel, and online spending, with a flat 0.5% on other expenses. It suits middle-income Hong Kong residents who prioritize dining out and online shopping. Its key differentiator is the free annual fee for life with consistent usage, making it a long-term cost-effective option for households with HK$15,000 monthly spend.

BEA Preferred Credit Card - Bank of East Asia

The Hang Seng WeLend+ card provides up to 4% cashback on online shopping, dining, and travel, with a flat 1% on other spending. It targets younger consumers who manage budgets via a linked savings account. Its key differentiator is the integration with Hang Seng's savings platform, offering bonus rates when linked to a WeLend account, making it a solid choice for tech-savvy households with HK$15,000 monthly spend.

The UOB One Card offers up to 3% cashback on dining, groceries, and transport, with a flat 0.5% on other spending. It suits commuters and dine-out lovers in Hong Kong who want simple rewards. Its key differentiator is the strong dining and groceries coverage for everyday spending, making it a reliable option for households with HK$15,000 monthly spend where these categories dominate.

UOB One Credit Card - United Overseas Bank

The AEON Card WAKUWAKU offers up to 6% cashback on selected categories like online shopping and groceries, with a flat 1% base rate. It suits budget-conscious spenders with no income requirement, offering flexibility without minimum spend. Its key differentiator is the no-minimum-income eligibility, making it accessible for students and part-timers, while still providing competitive cashback for HK$15,000 monthly spend households.

AEON Card WAKUWAKU - AEON Credit Service