The OCBC 365 Platinum Card offers a fully waivable annual fee and up to 5% cashback on choice categories, directly outperforming #3 HSBC Red Card’s standard dining rewards. With zero annual fees upon waiver, cardholders can save up to HK$1,800 yearly compared to the typical Hong Kong credit card fee. Verified on OCBC’s website as of April 2026, this card delivers a rare combination of high cashback and no cost, making it ideal for everyday spending that maximizes returns without annual charges.
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