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Hong Kong credit card rankings · 10 cards · verified 2026-09-10

Best Cash-back Credit Cards

Hong Kong cash-back cards ranked by real annual value computed from official issuer rates, monthly caps and standard fees. Ranked #1 right now: HSBC Hong Kong HSBC UnionPay Dual Currency Card (Up to 2.4%). Every card shown passes a high-confidence verification and freshness gate — sources and check dates are published per card.

Computed from published rates, caps, standard fees and live offers; top rates usually carry merchant, registration or minimum-spend conditions — see each card page (中文) for the verified fine print.

  1. 1
    HSBC Hong KongHSBC UnionPay Dual Currency CardHSBC UnionPay Dual Currency Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC UnionPay Dual Currency Card
    Up to 2.4%Annual fee: HK$300 (waivable)
    Details
  2. 2
    Bank of East AsiaBEA GOAL Credit CardBEA GOAL Credit Card 信用卡官方卡面
    Bank of East Asia
    BEA GOAL Credit Card
    Up to 6.4%Annual fee: HK$600 (waivable)
    Details
  3. 3
    Citibank Hong KongCiti Octopus Platinum CardCiti Octopus Platinum Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Octopus Platinum Card
    Up to 15%Annual fee: HK$1,800 (waivable)
    Details
  4. 4
    DBS Hong KongDBS Eminent CardDBS Eminent Card 信用卡官方卡面
    DBS Hong Kong
    DBS Eminent Card
    Up to 5%Annual fee: HK$1,800 (waivable)
    Details
  5. 5
    HSBC Hong KongHSBC Red Credit CardHSBC Red Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC Red Credit Card
    Up to 4%Annual fee: No annual fee
    Details
  6. 6
    Bank of East AsiaBEA SupremeGold World MastercardBEA SupremeGold World Mastercard 信用卡官方卡面
    Bank of East Asia
    BEA SupremeGold World Mastercard
    Up to 5%Annual fee: HK$1,800 (waivable)
    Details
  7. 7
    Citibank Hong KongCiti Plus Credit CardCiti Plus Credit Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Plus Credit Card
    Up to 1.2%Annual fee: No annual fee
    Details
  8. 8
    Bank of China Hong KongBOC i-card (Virtual Card)BOC i-card (Virtual Card) 信用卡官方卡面
    Bank of China Hong Kong
    BOC i-card (Virtual Card)
    Up to 0.4%Annual fee: No annual fee
    Details
  9. 9
    Citibank Hong KongCiti Cash Back CardCiti Cash Back Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Cash Back Card
    Up to 2%Annual fee: HK$1,800 (waivable)
    Details
  10. 10
    Citibank Hong KongCiti Rewards CardCiti Rewards Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Rewards Card
    Up to 3%Annual fee: HK$1,800 (waivable)
    Details

FAQ

Which is the best cash-back credit cards in Hong Kong right now?
Based on verified issuer data, HSBC Hong Kong HSBC UnionPay Dual Currency Card ranks #1 (Up to 2.4%). The best card for you depends on your own spending — the ranking uses a reference profile with all monthly and pooled caps applied.
How is this ranking computed?
From published reward rates, monthly and pooled caps, standard annual fees and live welcome offers — a reproducible calculation over verified data. Sponsorship or commissions never affect the order.
How fresh is the data?
Offers are monitored daily and every card is re-checked on a risk-based schedule; cards that fall outside the freshness window are hidden rather than shown stale. Latest verification: 2026-09-10.
Best Miles Credit CardsNo-Annual-Fee Credit CardsBest Welcome OffersBest Dining Credit CardsBest Online Shopping Credit CardsBest Overseas Spending Credit Cards

paylo.hk is a Hong Kong credit-card comparison site with a fail-closed publication gate: cards we cannot verify to a high confidence against official issuer sources are hidden, not guessed. Card detail pages are in Cantonese; the numbers are universal. Not a bank; always confirm terms with the issuer.