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1. mrmiles.hk

   香港信用卡排名2026｜10月Pocket Card 最強現金回贈、里數、超市及學生信用卡推薦及優惠

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   • Claude我在香港主要花錢買餸、搭車和食飯，而且每月全數還款，哪些銀行的現金回贈信用卡值得比較？ in Hong Kong?

   Claude · 我在香港主要花錢買餸、搭車和食飯，而且每月全數還款，哪些銀行的現金回贈信用卡值得比較？ in Hong Kong?

   Recommended for a specific fit · Citi Octopus is worth checking if the customer uses MTR or buses, and Citi Cash Back is proposed for dining in the suggested strategy. Both are tied to particular spending patterns rather than being the overall first choice.

   Nov 3, 2026, 1:00 AM UTC

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   Since you pay your balance in full each month, interest charges don't matter to you. Annual fees, caps, and minimum-spend conditions matter more. Rates below come from 2026 comparison sites, and several of them conflict, so check the issuer's current terms before you apply.

   Groceries

   • Mox Credit is the strongest simple option. It offers unlimited 3% cashback at major supermarkets , and its annual fee is waived permanently. One comparison notes that the enhanced 2% rate on non-supermarket spend requires Mox+ from September 2026 .
   • HSBC Red only suits online grocery shopping. Its online rate is high, but the cap is HK$10,000 online per month , and in-store spending earns much less.
   • Standard Chartered Smart is another option for ParkNShop shopping, where one source reports 5% cashback at ParknShop . Verify this one, because sources differ on its terms.

   Transport

   • sim Credit Card has the highest transport rate I found, with local transport at 8% . It has conditions: you must accumulate HK$1,000 in eligible non-online retail spending within the same calendar month , and there is a monthly overall cap of $200 . One source says the 8% promotion ends in September 2026, so check whether it still applies.
   • Hang Seng Travel+ pays 5% cashback on dining at all local dining outlets and also earns 5% on local transport . The catch is that the monthly cashback cap of HK$500 is shared across all bonus categories , and one source says it requires HK$6k/mo total spend .
   • Citi八達通白金卡 (Citi Octopus Platinum) is worth checking if you use the MTR or buses a lot. One listing says MTR, bus and taxi fares enjoy up to 15% cashback , but this is a promotional rate and its terms may have changed.

   Dining

   • Citi Cash Back is the simplest dining card. It offers unlimited 2% rebate on overseas spending and local dining , plus unlimited 1% rebate on local spending . Its annual fee is HK$1,800, waived in the first year.
   • HSBC Visa Signature can reach about 3.6% on dining, but you must choose dining as a category , and there is a HK$100k/year cap .
   • DBS Eminent pays 5% on dining, but each transaction must be at least HK$300 , and there is a monthly cap.

   What I'd suggest for your spending pattern

   1. Mox Credit as your main card for groceries and everyday spending, since it has no annual fee and a simple structure.
   2. Citi Cash Back for dining, since it has no spending threshold and no monthly cap.
   3. Add a transport-focused card (sim or Hang Seng Travel+) only if your monthly transport spend is high enough to meet its minimum-spend rules.

   Two cautions. First, many headline rates depend on minimum-spend thresholds, monthly caps, registration, or promotion periods that expire. Second, the comparison sites disagree on some figures, so confirm the current rate, cap, and fee on each bank's official page before applying.