paylo.hk香港信用卡比較平台
Hong Kong credit card rankings · 10 cards · verified 2026-10-22

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: Hang Seng Bank Hang Seng Prestige World Mastercard (Up to 0.4%). 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
    Hang Seng BankHang Seng Prestige World MastercardHang Seng Prestige World Mastercard 信用卡官方卡面
    Hang Seng Bank
    Hang Seng Prestige World Mastercard
    Up to 0.4%Annual fee: No annual fee
    Details
  2. 2
    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 0.4%Annual fee: HK$300 (waivable)
    Details
  3. 3
    Dah Sing BankDah Sing ONE+ Credit CardDah Sing ONE+ Credit Card 信用卡官方卡面
    Dah Sing Bank
    Dah Sing ONE+ Credit Card
    Up to 1%Annual fee: HK$1,800 (waivable)
    Details
  4. 4
    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 1%Annual fee: HK$1,800 (waivable)
    Details
  5. 5
    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 0.5%Annual fee: HK$1,800
    Details
  6. 6
    DBS Hong KongDBS Live Fresh CardDBS Live Fresh Card 信用卡官方卡面
    DBS Hong Kong
    DBS Live Fresh Card
    Up to 1%Annual fee: HK$1,800 (waivable)
    Details
  7. 7
    DBS Hong KongDBS Eminent CardDBS Eminent Card 信用卡官方卡面
    DBS Hong Kong
    DBS Eminent Card
    Up to 0.4%Annual fee: HK$1,800
    Details
  8. 8
    Citibank Hong KongCiti Rewards CardCiti Rewards Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Rewards Card
    Up to 0.37%Annual fee: HK$1,800 (waivable)
    Details
  9. 9
    Bank of China Hong KongBOC SOGO Visa Signature CardBOC SOGO Visa Card 信用卡官方卡面
    Bank of China Hong Kong
    BOC SOGO Visa Signature Card
    Up to 0.4%Annual fee: HK$2,000 (waivable)
    Details
  10. 10
    Bank of East AsiaBEA CENTENNIAL World Elite MastercardBEA CENTENNIAL World Elite Mastercard 信用卡官方卡面
    Bank of East Asia
    BEA CENTENNIAL World Elite Mastercard
    Up to 0.4%Annual fee: HK$19,800 (waivable)
    Details

Compare the leaders

Hang Seng Prestige World Mastercard vs HSBC UnionPay Dual Currency CardHang Seng Prestige World Mastercard vs Dah Sing ONE+ Credit Card

FAQ

Which is the best cash-back credit cards in Hong Kong right now?
Based on verified issuer data, Hang Seng Bank Hang Seng Prestige World Mastercard ranks #1 (Up to 0.4%). 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: 2026-10-22.
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.