惠康 enJoy 卡 92 折對決百佳 COMPASS VISA 92 折？2026 香港超市信用卡回贈及優惠碼疊加

Metric	#1惠康 / Market Place × 恒生 enJoy 卡每月 3/13/23 號 92 折 + 3X yuu 積分	#2百佳 / TASTE / FUSION × DBS COMPASS VISA 每月 2/12/22 號 92 折 + 易賞錢	#3全港大型超市 × Mox Credit 無上限 3% 現金回贈 + yuu / 易賞錢疊加	#4PNS 網購 × 滙豐 Red 卡 4% 獎賞錢 + 易賞錢優惠碼疊加	#5HKTVmall × Citi HKTVmall 卡逢星期四「4THUROFF」95 折及星期三 VIP 95 折	#6萬寧 × 恒生 enJoy 卡每月 1 及 20 號 94 折 + 高達 4X yuu 積分	#7屈臣氏 × DBS COMPASS VISA 每月 5/15/25 號 92 折 + 易賞錢	#8百佳 / 阿信屋 / HKTVmall × 渣打 Smart 卡全年 5% 現金回贈	#9惠康及 Market Place × 恒生信用卡「Wow Reward」額外 +FUN Dollars / yuu 獎賞	#107-Eleven 香港 × 恒生 enJoy 卡每月 8 及 18 號 95 折 + 3X yuu 積分
超市／平台惠康及 Market Place (yuu 獎賞). 最佳配搭卡配搭指定神卡 (1). 綜合總回贈高達	9·5%. 專屬優惠日滿 HK$100 適用	—	—	—	—	—	—	—	—	—
超市／平台百佳超級市場 × 易賞錢 MoneyBack. 最佳配搭卡配搭指定神卡 (2). 綜合總回贈高達	—	9·2%. 專屬優惠日滿 HK$100 適用	—	—	—	—	—	—	—	—
超市／平台 Mox Bank 虛擬銀行. 最佳配搭卡配搭指定神卡 (3). 綜合總回贈高達	—	—	4·0%. 專屬優惠日滿 HK$1 適用	—	—	—	—	—	—	—
超市／平台百佳超級市場 × 易賞錢 MoneyBack. 最佳配搭卡配搭指定神卡 (4). 綜合總回贈高達	—	—	—	11·6%. 專屬優惠日滿 HK$600 適用	—	—	—	—	—	—
超市／平台 HKTVmall 香港科技探索. 最佳配搭卡配搭指定神卡 (5). 綜合總回贈高達	—	—	—	—	9·0%. 專屬優惠日滿 HK$500 適用	—	—	—	—	—

Match #1 · Ranked #1Wellcome / yuuValid till 31 Dec 2026

惠康 / Market Place × 恒生 enJoy 卡每月 3/13/23 號 92 折 + 3X yuu 積分

Up to 4X yuu Points year-round + 8% Wellcome & 6% Mannings Member Day instant discount

96% Match

Community Rank #1

Vote #1

Wellcome Stack: 3X–4X yuu + 8% DayWelcome Gift: 140,000 yuu Pts (HK$700)Annual Fee: Perpetual waiver

KEY BENEFITS

+ Unbeatable 8% Wellcome + 6% Mannings + 5% 7-Eleven designated-day stack
+ Perpetual annual fee waiver for principal & supplementary cards

DRAWBACKS

- Rewards locked to yuu Points ecosystem rather than air miles
- Member Day discount excludes infant formula & selected vouchers

Match #2 · Ranked #2DBS

百佳 / TASTE / FUSION × DBS COMPASS VISA 每月 2/12/22 號 92 折 + 易賞錢

DBS contender · Community Ranked #2

93% Match

Community Rank #2

Vote #2

Community Rank: #2Fee / Terms: Published standard tier

KEY BENEFITS

+ Ranked #2 by editorial & community consensus
+ Competitive mainstream terms

DRAWBACKS

- Verify latest promotional T&Cs and caps before applying

Match #3 · Ranked #5CitibankValid till 31 Dec 2026

HKTVmall × Citi HKTVmall 卡逢星期四「4THUROFF」95 折及星期三 VIP 95 折

5% instant Thursday HKTVmall discount (code 4THUROFF) + 5X ThankYou Points on Mondays

91% Match

Community Rank #5

Vote #5

HKTVmall Thu: 5% instant off (4THUROFF)Welcome Offer: HK$1,000 Voucher + CakeOutside Spend: 5X Points every Monday

KEY BENEFITS

+ Direct 5% checkout discount on Thursdays with no rebate wait
+ Generous HK$1,000 HKTVmall voucher welcome package

DRAWBACKS

- 5% channel transactions do not earn separate Citi Points
- Best grocery discount restricted to Thursdays

Match #4 · Ranked #6Wellcome / yuuValid till 31 Dec 2026

萬寧 × 恒生 enJoy 卡每月 1 及 20 號 94 折 + 高達 4X yuu 積分

Up to 4X yuu Points year-round + 8% Wellcome & 6% Mannings Member Day instant discount

91% Match

Community Rank #6

Vote #6

Wellcome Stack: 3X–4X yuu + 8% DayWelcome Gift: 140,000 yuu Pts (HK$700)Annual Fee: Perpetual waiver

KEY BENEFITS

+ Unbeatable 8% Wellcome + 6% Mannings + 5% 7-Eleven designated-day stack
+ Perpetual annual fee waiver for principal & supplementary cards

DRAWBACKS

- Rewards locked to yuu Points ecosystem rather than air miles
- Member Day discount excludes infant formula & selected vouchers

Match #5 · Ranked #3Mox BankValid till 31 Dec 2026

全港大型超市 × Mox Credit 無上限 3% 現金回贈 + yuu / 易賞錢疊加

0% foreign currency transaction fee + 5% designated everyday & grocery merchant cashback

89% Match

Community Rank #3

Vote #3

FX Fee: 0% FX fee waiverMerchant Rebate: Up to 5% cashbackAnnual Fee: Perpetual waiver

KEY BENEFITS

+ Zero 1.95% FX markup saves immediately on travel & overseas subscriptions
+ No annual fee stress

DRAWBACKS

- Monthly bonus cashback cap applies to 5% merchant tier
- Fewer airport lounge perks than flagship metal cards

Current Rankings

Quick Comparison

惠康 / Market Place × 恒生 enJoy 卡每月 3/13/23 號 92 折 + 3X yuu 積分

Key Metrics

Pros and Cons

Eligibility

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百佳 / TASTE / FUSION × DBS COMPASS VISA 每月 2/12/22 號 92 折 + 易賞錢

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Eligibility

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全港大型超市 × Mox Credit 無上限 3% 現金回贈 + yuu / 易賞錢疊加

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Eligibility

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PNS 網購 × 滙豐 Red 卡 4% 獎賞錢 + 易賞錢優惠碼疊加

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Eligibility

Things to Watch Out For

HKTVmall × Citi HKTVmall 卡逢星期四「4THUROFF」95 折及星期三 VIP 95 折

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萬寧 × 恒生 enJoy 卡每月 1 及 20 號 94 折 + 高達 4X yuu 積分

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Eligibility

Things to Watch Out For

屈臣氏 × DBS COMPASS VISA 每月 5/15/25 號 92 折 + 易賞錢

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Eligibility

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百佳 / 阿信屋 / HKTVmall × 渣打 Smart 卡全年 5% 現金回贈

Key Metrics

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Eligibility

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惠康及 Market Place × 恒生信用卡「Wow Reward」額外 +FUN Dollars / yuu 獎賞

Key Metrics

Pros and Cons

Eligibility

Things to Watch Out For

7-Eleven 香港 × 恒生 enJoy 卡每月 8 及 18 號 95 折 + 3X yuu 積分

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Smart Supermarket Promo + Credit Card Stack Matcher

惠康 / Market Place × 恒生 enJoy 卡每月 3/13/23 號 92 折 + 3X yuu 積分

百佳 / TASTE / FUSION × DBS COMPASS VISA 每月 2/12/22 號 92 折 + 易賞錢

HKTVmall × Citi HKTVmall 卡逢星期四「4THUROFF」95 折及星期三 VIP 95 折

萬寧 × 恒生 enJoy 卡每月 1 及 20 號 94 折 + 高達 4X yuu 積分

全港大型超市 × Mox Credit 無上限 3% 現金回贈 + yuu / 易賞錢疊加

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