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Perplexity · 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?
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Search query: 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?
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- #1 Best Credit Cards Hong Kong 2026 – Compare & Apply | MoneySmartSource context · moneysmart.hk
- #2 最佳餐飲食肆食飯卡推薦2026 - 11%高回贈唯有EYE卡Source context · yolkinsight.hk
- #3 Best Dining Credit Cards in Hong Kong 2026 - MoneyHeroSource context · moneyhero.com.hk
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# Search Results: 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? Found 10 results. ### Result 1 Best Credit Cards Hong Kong 2026 – Compare & Apply | MoneySmart https://www.moneysmart.hk/en/credit-cards?sort_by=recommended&utm_format=table - **Unlimited CashBack at major supermarkets** ... ## Compare Credit Cards in Hong Kong: Annual Fees and Minimum Salary |Credit Card|Minimum Salary|Annual Fee| ... |EarnMORE UnionPay Diamond Card|HK$0|HK$1,500| |HSBC Red Card|HK$120,000|HK$0| |Standard Chartered Simply Cash Visa Card|HK$96,000|HK$2,000| ... ## Key Features to Consider When Comparing HK Credit Cards ### Interest rates Credit cards often charge much higher APRs than personal loan if you carry a balance. Aim to repay in full instead of paying the minimum payment only. ... ## How to Choose the Right Credit Card: 3 Things to Check Before You Apply ### 1. Your Personal Spending Habits If you love dining out and enjoying life, the Citi Cash Back Card is a great fit, with unlimited 2% rebate on overseas spending and local dining, plus unlimited 1% rebate on local spending. You can also consider the HSBC Visa Signature Card, which offers up to 15% off at selected hotel restaurants and up to 3.6% RewardCash rebate that you can redeem flexibly as cash or miles. ... ## Using HK Credit Cards for Different Spending Categories ### Dining and Entertainment A dining-focused card like the Citi Cash Back Card offers rebates on restaurant bills and hotel dining. ... ### Everyday Essentials Supermarket and transport spending can also be optimised through cashback cards such as Mox or Standard Chartered Smart Card, which pair well with daily living expenses. Using different cards for separate categories ensures you maximise returns without effort. ... ## Major HK Bank Credit Cards by Issuer |Bank|Popular Credit Card(s)|Best For| |--|--|--| |HSBC|HSBC Red Card, HSBC EveryMile, HSBC Visa Signature|Online shopping, miles, flexible rewards| |Standard Chartered|Smart Card, Cathay Mastercard, Simply Cash|Cashback, Asia Miles, FX spending| |Hang Seng Bank|MMPOWER, Travel+ Visa Signature, enJoy|Online & overseas spending, dining| |DBS Bank|Black World Mastercard, Compass Visa|Miles, digital wallets, online| |Citibank|Cash Back Card, PremierMiles|Cashback, reward points, travel| |American Express|Platinum Credit Card|Premium travel, concierge| ... ## Credit Card Welcome Offers - MoneySmart Exclusive |Credit Card|Card highlights|Promotion|Valid until| |--|--|--|--| |Citi Cash Back Card|- First Year Annual Fee Waiver Annual Fee - Unlimited 2% Rebate on Overseas Spending & Local Dining - Unlimited 1% Rebate on Local Spending|優惠代碼 + HK$2,400禮券 或 高達HK$6,488獎賞|25 Oct 2026 till 31 Oct 2026| ### Result 2 最佳餐飲食肆食飯卡推薦2026 - 11%高回贈唯有EYE卡 https://yolkinsight.hk/eat/ 1. 首選：建行亞洲EYE卡 2. 次選：DBS EMINENT 卡 3. 第三名：東亞 World Mastercard / i-titanium / Goal 4. 其他吸引選擇：信銀Motion卡 / 中銀Cheers VI Card ... ## 首選：建行亞洲EYE卡 建行亞洲EYE卡繼續瘋狂！食肆簽賬 (推廣詳情) 可**高達11% ( 9%食肆 + 2%手機支付/網購 )** 現金回贈。當然有門檻，**每月零售簽賬要由以往的$8000下調至每月簽夠$5000蚊就可以啦！ ** Cheers又要$5000，EYE又要$5000，咁梗係揀EYE啦。每個月最多回$400比你，即係大約簽$4445就爆。即係有$555蚊左右就要靠自己自由發揮。 月尾唔夠先搵七仔OK個啲幫下手，搵支付寶幫幫手都得。看來都有辦法解決。 ## 次選：DBS EMINENT 卡 全年5%餐飲 / 食肆現金回贈。在其他銀行都齊齊加辣後，今年DBS EMINENT算係無乜門檻，需要單一消費達$300就可以享有額外5%嘅現金回贈。DBS EMINENT卡唔同級數分咗唔同嘅回贈上限：Visa Platinum 每月簽賬上限$4000、Visa Signature 每月簽賬上限$8000。最多可獲$400。 ## 第三名：東亞 World Mastercard / i-titanium / Goal 東亞銀行嘅World Mastercard卡再度活化，推廣繼續升級，只要每月累積基本獎賞合資格交易達 HK$4,000，指定類別簽賬可以**獲得12.5X積分回贈，相等於5%現金回贈！ 每個月上限可以獲得11.5萬分（即係簽賬上限係$10000）。** 不過其實佢個回贈都唔夠5%，如果想**兌換信用額** 現金直接入戶口佢個積分比係$1 : 300分。 **i-titanium / Goal用則用手機支付付款**，每月拍夠$2000，咁就輕易4% – 4.4%回贈，唔洗左計右計。 ## 其他吸引選擇：信銀Motion卡 / 中銀Cheers VI Card - 信銀國際Motion卡 (官網) 全年6%餐飲 / 食肆現金回贈。每月簽賬上限$3636。最多可獲$200。不過**Motion要每月簽夠$3800 (簽乜都得)** 先可以在網購/食肆方面有6%現金回贈，如果你相對少消費，兩個項目每月簽到$3800，都鼓勵大家用。申請連結。 - 中銀Cheers卡 (詳細玩法)，皆因可以配搭狂賞派推廣活動齊齊玩。只要滿足每月簽賬$5000就得，中銀Cheers VI全年餐飲同外幣每人基本最低都已經有**相等於4%嘅積分回贈**，食個方面包埋外賣平台Food Panda / Keeta等等。 `可惜，今年`**狂賞派活動平日再多2%；紅日再多5% (實體)。** **狂賞派實體無左超市七仔OK個啲，難道又增加了**。 ## 最佳餐飲食肆食飯卡其他代替品 – 手機支付卡 仲有其他百搭卡都可以喺食肆簽賬獲得高回贈，就好似BOC Visa Signature SOGO卡(5.4%)。(SOGO都食到VISA狂賞派活動) 只要係要手機支付就可以啦。另外Wewa卡自選手機支付後，Apply Pay都已經可以有4%回贈。 📝歡迎大家訂閱蛋黃視野Patreon、Facebook或者加入免費TG頻道討論！ ### Result 3 Best Dining Credit Cards in Hong Kong 2026 - MoneyHero https://www.moneyhero.com.hk/en/credit-card/comparison/dining Compare the top dining credit cards in Hong Kong offering cashback, discounts, or miles on restaurant spending, cafés, bars, and food delivery apps like Foodpanda and Deliveroo. ... |Card| | |Hot Reward Pick|MoneyHero Reward|Card Benefit|Cashback DInning| | |--|--|--|--|--|--|--|--| | |Citi Cash Back Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$7,818|1 - 2 % cashback |2 % |Apply| | |DBS Eminent Visa Platinum Card|Apply|HK$800 Apple Store Gift Card|HK$5,630|2 - 5 % cashback |5 % |Apply| | |PrimeCredit WeWa Visa Signature Card|Apply|New Credit Card Customer: HK$600 Exclusive Welcome Reward|HK$1,799|10 %| | | ... | |American Express® Platinum Credit Card|Apply|-|HK$1,800|$2.5 - 5 per mile |1 % |Apply| | |Mox Credit Card (CashBack)|Apply|HK$500 Cash Rebate (Deposited via FPS) (provided by MoneyHero)+HK$1,800 Cash Reward (Provided by Mox) + 1% Basic CashBack|HK$2,800|Up to7 % CashBack |Up to2 % Unlimited CashBack|Apply| ... Cashback - Dining 2 % Minimum Annual Income HK$ HK$ 120,000 ... - **Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.** - 2% rebate on local dining spending - 2% rebate on local hotel spending - 2% rebate on spending in foreign currency - 1% unlimited rebate on other spending - Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due. ... Repayment Details ... - Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) ... - Minimum Payment: All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher. ... Supermarket Spends (Online / Offline) Unlimited 3 % CashBack All Local and Overseas Spends Up to Unlimited 2 % CashBack ... - Essential for supermarket spending: 3% CashBack on all major supermarket purchases in Hong Kong with no cap, no designated spending promotion days or other conditions. ### Result 4 最佳網購信用卡推薦2026 - 高回贈高額簽賬上限都俱備 https://yolkinsight.hk/eshop/ ## 首選：大額之選MMPower卡、HSBC Red卡 大額網購之選有兩張，恒生MMPower網購有5%回贈(詳情)；HSBC Red卡(詳情)係有4%嘅網上購物回贈。兩張卡嘅Quota係每月計算： - 恒生MMPower卡每月可簽$10870，回贈上限為$500 +FUN Dollars； - HSBC Red卡每月可以首$10000網上簽賬，4%回贈，上限為$400獎賞錢 ## 次選：信銀國際Motion卡、富邦inVISA 蛋黃揀咗最高現金回贈嘅兩張卡，分別係信銀國際嘅Motion卡 (每月上限回贈$200；詳情) 同富邦嘅inVISA (每月上限回贈$250；詳情)。**Motion卡每月要簽夠$3800先有6%回贈，食飯網購或其他零售均可。** 「富邦iN VISA白金卡」主要特色就係合資格網上簽賬可享額外19X積分獎賞，總共20X積分，即**相等於8%現金回贈**。此卡無最低簽賬要求為$1000，每月上限簽$3289！ 雖然呢兩張卡嘅回贈上限相對首選兩張低，但如果做正常基本嘅網購都已經足夠。 ## 第三選擇：AEON WAKUWAKU卡、BOC Chill卡 AEON嘅WAKUWAKU卡(每月上限回贈$200；詳情)；中銀Chill卡嘅回贈比率係5%**(不設簽賬要求)**，指定商戶可以達10%回贈**(每月要於實體商戶簽夠$1500先可享指定商戶10%回贈)**。 指定商戶例如有M記/Uniqlo等等(10%回贈已包含0.4%基本回贈)。BOC Chill卡額外回贈每個月上限是$150，大約簽$3267左右就達到回贈上限。官方網頁介紹。 ## AlipayHK x 最佳網購信用卡 東亞嘅i-titanium網購同手機支付都有4%回贈，經AlipayHK消費都當網購。BEA信用卡i-titanium / Goal 似乎係AlipayHK嘅好拍檔。不過有下限，每月每夠$2000先有得回贈。 **記得超級市場、旅行社、同政府部門都係無得回。** 偉大嘅淘寶返單CODE係屬於超市，所以唔啱用嚟做淘寶架。網購有咁多卡揀，都係用佢嚟做手機支付卡啦！ 唔同商戶喺唔同時期都會同唔同嘅銀行做推廣，所以大家揀啱信用卡去簽就可以達到加倍嘅會長同抵上抵！ ### Result 5 香港最佳信用卡比較2026年9月 - PANDAFREEDOM https://pandafreedom.com/best-credit-card/ ## 香港最佳信用卡比較2026年9月 其實，沒有一張信用卡適合所有人，只有最適合自己的信用卡。選擇時應按自己的消費習慣、理財需要及生活方式，比較現金回贈、積分、里數、迎新優惠、年費等，找出最適合自己的信用卡。 以下為大家比較香港熱門信用卡，助你選出最適合自己的信用卡。 ... ## 渣打國泰Mastercard 年費 首年免年費，其後HK$2000 回贈 $2-$6/里 里數回贈 ... ## 回贈明細 - 食肆／酒店簽賬：HK$4 = 1里 - 其他港幣簽賬：HK$6 = 1里 - 海外簽賬基本卡：HK$4 = 1里；優先理財HK$3 = 1里；優先私人理財HK$2 = 1里。 ... ## Citi Cash Back 年費 首年免年費，其後HK$1800 回贈 0.5%-15% 現金回贈 官網迎新優惠 HK$1800 ## 回贈明細 - 即日起至2027年6月30日，經官網登記： - 每月簽賬滿 HK$4,000：指定交通15%回贈，每月最高 HK$300 - 每月簽賬滿 HK$10,000：指定交通15%回贈＋隧道／泊車／電車充電／指定跨境交通 5%回贈，每月合共最高 HK$500 ... - 迎新優惠：批卡後首2個月累積簽賬滿HK$5,000（每月最少1次認可簽賬），即可獲HK$1,800現金回贈 ... ## HSBC Red Card 年費 永久免年費 回贈 0.4%-8% 獎賞錢回贈 ... ## 評價 ✓ Apple Pay現金回贈之選 ## 安信Wewa 年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 0.4%-4% 現金回贈 官網及額外迎新優惠 HK$1300現金回贈 ## 回贈明細 - 自選 1 個玩樂類別後。每曆月累積簽賬滿HK$1,500，當月指定類別簽賬即可享高達4%現金回贈。 - 4 個自選類別：手機支付 / 旅遊簽賬 / 線上娛樂 / 海外簽賬 ... ## 評價 ✓ 保底1.5%無上限現金回贈信用卡 ## 渣打Simply Cash 年費 首年免年費，其後HK$2000 回贈 1.5%-2% 現金回贈 官網迎新優惠 HK$600 ## 回贈明細 - 港幣簽賬：無上限1.5%現金回贈 - 外幣簽賬：2% 現金回贈 - 賺取後會顯示於「360°全面賞」網上換領平台，不會自動存入信用卡戶口。 ... ## 信用卡資料 - 迎新優惠：批卡後首2個月累積簽賬滿HK$8,000（每月最少1次認可簽賬），即可獲HK$600現金回贈 - 年薪要求：$96,000 - 首年免年費，其後每年 $2,000 ... ## 評價 ### 最佳信用卡比較 |信用卡|年薪要求|年費|簽賬回贈| |--|--|--|--| |HSBC Red Card|HK$120,000|永久免年費|0.4%-8%獎賞錢回贈| ... |安信Wewa官網申請|學生免入息 / HK$150,000|HK$800，學生首5年免年費，其他首2年免年費|0.4%-4%現金回贈| |渣打國泰Mastercard官網申請|HK$96,000|首年免年費，其後HK$2,000|$2-$6/里| |HSBC Visa Signature|HK$240,000|首2年免年費，其後HK$2,000|1-9倍獎賞錢回贈| |渣打Simply Cash|HK$96,000|首年免年費，其後HK$2,000|1.5%-2%現金回贈| |美國運通 Explorer官網申請|HK$300,000|首年免年費，其後HK$2,200|3-10.75倍積分回贈| ### Result 6 Best Cash-back Credit Cards - paylo.hk | 香港信用卡比較平台 https://www.paylo.hk/en/best/best-cashback # 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%). ... Hang Seng BankHang Seng Prestige World Mastercard ... Up to 0.4%Annual fee: No annual fee ... HSBC Hong KongHSBC UnionPay Dual Currency Card HSBC Hong Kong HSBC UnionPay Dual Currency Card Up to 0.4%Annual fee: HK$300 (waivable) ... Dah Sing BankDah Sing ONE+ Credit Card ... Up to 1%Annual fee: HK$1,800 (waivable) ... Citibank Hong KongCiti Cash Back Card ... ## FAQ 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. ### Result 7 Best Dining Credit Cards - paylo.hk | 香港信用卡比較平台 https://www.paylo.hk/en/best/dining # Best Dining Credit Cards Top restaurant and dining rebate rates in Hong Kong, with monthly caps priced into the ranking. Ranked #1 right now: HSBC Hong Kong HSBC EveryMile Credit Card (Dining 2.6%). ... Dining 2.6%Annual fee: HK$2,000 (waivable) ... Citibank Hong KongCiti Cash Back Card Citibank Hong Kong Citi Cash Back Card Dining 1%Annual fee: HK$1,800 (waivable) ... ## FAQ Which is the best dining credit cards in Hong Kong right now? Based on verified issuer data, HSBC Hong Kong HSBC EveryMile Credit Card ranks #1 (Dining 2.6%). The best card for you depends on your own spending — the ranking uses a reference profile with all monthly and pooled caps applied. ### Result 8 Best Cash Back Credit Cards in Hong Kong 2026 - MoneyHero https://www.moneyhero.com.hk/en/credit-card/comparison/cashback - **Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.** - 2% rebate on local dining spending - 2% rebate on local hotel spending ... - 1% unlimited rebate on other spending - Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due. ... Cashback Dining 6 % ... All Local and Overseas Spends Up to Unlimited 2 % CashBack ... You can enjoy up to 6% cash back on dining expenses with the CNCBI Motion Credit Card. ### Result 9 2026 Hong Kong Cashback Card Guide: Top Picks for ... https://world.taobao.com/lang/en-us/shopping-guide/2018038335502548992.htm # 2026 Hong Kong Cashback Card Guide: Top Picks for Dining, Shopping & Flat Rates ### The Golden Rule: Read the Fine Print! Many banks scream "8% Cashback!" but whisper "*up to HK$50/month*" in tiny font. ... In legal terms, distinguish between "Cash Rebate" (direct statement credit) and "Reward Points" (which require redemption and often expire). True cash goes straight to your balance; points are just coupons in disguise! ### The Top Contenders: A Comparative Breakdown (2026 Edition) #### 1. The "Supermarket & Dining" King: DBS Black World Master *Best for: Families and Foodies* This card is a beast if your wallet mostly suffers at AEON, Wellcome, or local Cha Chaan Tengs. - **The Rate:** Up to 6% on designated supermarkets and dining. - **The Catch:** There's usually a monthly cap (e.g., HK$300 rebate). Once you hit it, the rate drops to a measly 0.4%. ... Some waive it only if you spend HK$100k+ a year. If you can't hit that, ask for a waiver or switch to a no-fee tier. ... #### 2. The "Online Shopping" Ninja: Citi Cash Back Card ️ *Best for: The Taobao/Amazon Addict* If your delivery guy knows your name better than your neighbors do, this is your jam. - **The Rate:** Solid 5-8% on major e-commerce platforms. - **The Strategy:** These cards often have *no cap* during specific promotional months (like 11.11 or 12.12), but a strict cap otherwise. ... ☕❌ #### 3. The "Flat-Rate" Hero: SC Simply Cashback Visa ♾️ *Best for: Minimalists and High Spenders* Tired of tracking categories? This card offers a flat 1.5% - 2% on **everything**. - **The Rate:** Lower than the specialists, but consistent. - **The Magic:** No caps. ... ### Strategic Merchant Stacking: How to Win Here is my personal strategy for maximizing rebate efficiency in HK: 1. **The Primary Swipe:** Use the **DBS Black World Master** for all groceries and lunch dates until you hit 90% of the monthly cap. Stop exactly before the limit! I set a reminder on my phone for the 25th of every month to check my accrued rebate. 2. **The Secondary Swipe:** Switch to the **SC Simply Cashback** for everything else (transport, utilities, random purchases) once the first card's cap is near. ... ### ⚠️ Final Warning: The Trap of "Points" vs. "Cash" Some banks offer "Cash Dollars" that can *only* be used to offset card bills or redeem specific vouchers. True **Cash Rebates** go straight into your savings account or statement balance with no strings attached. - **Red Flag:** If you have to jump through hoops to redeem your "cash," it's not really cash. ... - **Legal Note:** In 2026, regulatory guidelines require clearer disclosure on expiry dates. ### Result 10 Compare All Credit Cards in Hong Kong 2026 | MoneyHero https://www.moneyhero.com.hk/en/credit-card/all |Product|Credit Card| |Hot Reward|Reward Value|Card Benefit|Minimum Annual Income| | |--|--|--|--|--|--|--|--| | |Citi Cash Back Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$7,818|1 - 2 % cashback |HK$120,000|Apply| ... Bank Gift - On Top of MoneyHero's ... Repayment Details - Minimum Payment: Total spending of that month ... Min. Annual Income
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