paylo.hk香港信用卡比較平台
Hong Kong credit card rankings · 10 cards · verified 2026-08-04

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 滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students) (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 Kong滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students)滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students) 信用卡官方卡面
    HSBC Hong Kong
    滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students)
    Up to 2.4%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 2.4%Annual fee: HK$300 (waivable)
    Details
  3. 3
    Standard Chartered Hong KongStandard Chartered Smart Credit CardStandard Chartered Smart Credit Card 信用卡官方卡面
    Standard Chartered Hong Kong
    Standard Chartered Smart Credit Card
    Up to 5%Annual fee: No annual fee
    Details
  4. 4
    Dah Sing BankDah Sing VIP Banking Visa Infinite CardDah Sing VIP Banking Visa Infinite Card 信用卡官方卡面
    Dah Sing Bank
    Dah Sing VIP Banking Visa Infinite Card
    Up to 3%Annual fee: HK$1,800 (waivable)
    Details
  5. 5
    AEON Credit Service Hong KongAEON CARD WAKUWAKUAEON CARD WAKUWAKU 信用卡官方卡面
    AEON Credit Service Hong Kong
    AEON CARD WAKUWAKU
    Up to 6%Annual fee: No annual fee
    Details
  6. 6
    Mox BankMox Credit CardMox Credit Card 信用卡官方卡面
    Mox Bank
    Mox Credit Card
    Up to 3%Annual fee: No annual fee
    Details
  7. 7
    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
  8. 8
    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
  9. 9
    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
  10. 10
    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

FAQ

Which is the best cash-back credit cards in Hong Kong right now?
Based on verified issuer data, HSBC Hong Kong 滙豐滙財金卡 - 學生卡 (HSBC Visa Gold Card for Students) 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: 2026-08-04.
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.