Citibank Cashback Card

The Citibank Cashback Card delivers the highest cashback rate on this list at 1.5% — 50% higher than the Standard Chartered Unlimited Card's 1% rate — though it carries an HK$800 annual fee, waivable with HK$100k+ annual spend. Most users achieve the waiver, and it outperforms the typical Hong Kong cashback card's effective fee of HK$400 after spending thresholds. With a 1.5% return, it earns 50% more cashback per dollar than the Bank of China Classic Card. Verified April 2026, Citibank website.