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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
Perplexity · 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong?
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Nov 3, 2026, 1:00 AM UTC
Search query: 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong?
Nov 3, 2026, 1:00 AM UTC · Completed
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- #1 Apply for Credit Cards Online | Offers & Rewards - HSBC HKSource context · hsbc.com.hk
- #2 HSBC Credit Card Comparison: Latest Card Offers and ...Source context · moneyhero.com.hk
- #3 香港最佳信用卡比較2026年9月 - PANDAFREEDOMSource context · pandafreedom.com
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# Search Results: 香港上班族想申請第一張信用卡，年費安排簡單、日常回贈容易用，有哪些銀行值得考慮？ in Hong Kong? Found 10 results. ### Result 1 Apply for Credit Cards Online | Offers & Rewards - HSBC HK https://www.hsbc.com.hk/credit-cards/apply/ ## HSBC EveryMile Credit Card The credit card that takes you wherever you want to go, every day **Welcome offer** - Apply online for $1,250 RewardCash (or 25,000 miles)[@cards-welcomeoffer] - Earn miles at a rate as low as HKD0.4 = 1 mile[@cards-milescalculation] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - First year annual fee waiver[@cards-annualfeewaiver] - Enjoy an "Interest-free Payment Holiday" for the first two months[@cards-em-payment-holiday-offer] ... - Earn unlimited miles on designated everyday and travel spend at as low as HKD2 = 1 mile[@cards-preferentialrate],[@cards-designatedeverydayspend] - Convert your RewardCash to miles / points at 19 frequent flyer and hotel loyalty programmes at a preferential rate [@cards-preferentialrate] ... ## HSBC Red Credit Card The credit card that makes it easy to earn rewards **Welcome offer** - Earn up to $650 RewardCash with the promo code 'HSBCRED'[@cards-welcomeoffer],[@cards-welcomeoffer-red-2025] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - Perpetual annual fee waiver ... ## HSBC Visa Signature Card The credit card that elevates your lifestyle with dining and leisure privileges **Welcome offer** - Apply online to get up to $800 RewardCash[@cards-welcomeoffer] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - First 2-year annual fee waiver ... - Up to 2.4% RewardCash for spending in the Rewards of Your Choice category ... ## HSBC Premier Mastercard® The credit card that opens doors to a world of opportunity, no matter where you are. **Welcome offer** - Apply online to get up to $800 RewardCash[@cards-welcomeoffer] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - Perpetual annual fee waiver ... ## HSBC easy Credit Card The credit card that takes your rewards to the next level **Welcome offer** - Up to $700 RewardCash as welcome offer[@cards-welcomeoffer] - 1-year Moneyback VIP status when you successfully link your HSBC easy Credit Card in MoneyBack App account[@cards-1-year-moneyback-vip]. Earn 6X MoneyBack Points when you spend with your card every day. - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]. - First 2-year annual fee waiver **Rewards** - Up to 2.4% RewardCash for spending in the Rewards of Your Choice category - Earn 6X MoneyBack Points (=2.4% rebate) by linking your card in MoneyBack App ... ## HSBC Pulse UnionPay Dual Currency Diamond Credit Card The credit card that rewards you for spending at home and in mainland China **Welcome offer** - Apply online to get up to $800 RewardCash[@cards-welcomeoffer] - Apply with promo code 'HSBCPULSE' for an extra 20% RewardCash rebate for QR code payments, up to a total of $280 RewardCash[@cards-pulse-diamond-2026-extra-offer] - Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer] - First 2-year annual fee waiver ... ## HSBC Visa Gold Card Enjoy exclusive privileges worldwide and earn RewardCash every time you use your card. ### Result 2 HSBC Credit Card Comparison: Latest Card Offers and ... https://www.moneyhero.com.hk/en/credit-card/provider/hsbc |Card| | |Hot Reward Pick|MoneyHero Reward|Card Benefit|Minimum Annual Income|Annual Fee| | |--|--|--|--|--|--|--|--|--| | |HSBC EveryMile Credit Card|Apply|New credit card customers can receive $800 RewardCash|HK$1,650|$2 - 12.5 per mile |HK$240,000|HK$2,000 |Apply| | |HSBC Red Credit Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$850|0.4 - 4 % cashback |HK$120,000|Perpetual annual fee waiver|Apply| | |HSBC Pulse UnionPay Dual Currency Diamond Credit Card|Apply|-|HK$1,000|2.4 - 4.4 % cashback |HK$120,000|HK$1,800|Apply| | |HSBC Visa Signature Card|Apply|-|HK$1,000|0.04 - 3.6 % cashback |HK$240,000|HK$2,000 |Apply| | |HSBC easy Credit Card|Apply|New credit card customers can receive $600 RewardCash|HK$800|2.4 % cashback |HK$120,000|First 2 years annual fee waiver|Apply| | |HSBC UnionPay Dual Currency Card|Apply|New credit card customers can receive $600 RewardCash|HK$800|$2.27 - 4.17 per mile |HK$60,000|HK$300 |Apply| | |HSBC Visa Gold Card for Students|Apply| |-|1 - 2.4 % cashback |No Requirement|Perpetual annual fee waiver|Apply| | |HSBC Visa Gold Card|Apply|New credit card customers can receive $600 RewardCash|HK$800|1 - 2.4 % cashback |HK$60,000|HK$600 |Apply| ... ### HSBC EveryMile Credit Card Apply Now Minimum Annual Income HK$ HK$ 240,000 Card Benefit $ 2 - 12.5 per mile Annual Fee HK$ HK$ 2,000 Annual Fee Waiver First year Bank Gift - On Top of MoneyHero's ... Repayment Details ... - Interest Free Period: 56 days - Minimum Payment: All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any) (the minimum amount of Minimum Payment is HK$50). ... - Air Miles Conversion Fee: Waived - Annual Fee: HK$2,000 ... Eligibility - Min. Annual Income: HK$240,000 ... - **Enjoy an “Interest-free Payment Holiday” for the first two months** - You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required). ... ### HSBC Red Credit Card Apply Now Minimum Annual Income HK$ HK$ 120,000 Card Benefit 0.4 - 4 % cashback Annual Fee Perpetual annual fee waiver Annual Fee Waiver Perpetual annual fee waiver ... - Annual Fee: Perpetual annual fee waiver ... - Min. Annual Income: HK$120,000 ... **RewardCash rebates across the board, no minimum spending requirement, and no registration needed** - Online transactions: up to 4% RewardCash rebate (capped at HK$10,000 per month) (equivalent to HK$2.5 per air mile); 0.4% rebate for remaining spending ... - Octopus Automatic Add-Value Service and online bill payments transactions: 0.4% RewardCash rebate (equivalent to HK$25 per air mile) ... Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120). ... ### HSBC Pulse UnionPay Dual Currency Diamond Credit Card Apply Now Minimum Annual Income HK$ HK$ 120,000 Card Benefit 2.4 - 4.4 % cashback Annual Fee HK$ HK$ 1,800 Annual Fee Waiver First 2 years ... ### HSBC Visa Signature Card ... Minimum Annual Income HK$ HK$ 240,000 Card Benefit 0.04 - 3.6 % cashback Annual Fee HK$ HK$ 2,000 Annual Fee Waiver First 2 years ... ### HSBC easy Credit Card Apply Now Minimum Annual Income HK$ HK$ 120,000 Card Benefit 2.4 % cashback Annual Fee First 2 years annual fee waiver Bank Gift - On Top of MoneyHero's You’ll also receive the following welcome gift(s) directly from the bank Worth HK$200 ... Worth HK$600 ... Existing Credit Card Customers: $200 RewardCash or 15,000 MoneyBack Point (Equivalent to $300 RewardCash) MoneyHero's take - Annual Fee waiver - Local spending rebate - Supermarket rebate - Overseas rebate Card Details Fees - Annual Fee: First 2 years annual fee waiver Eligibility - Minimum Age: 18 years old - Min. Annual Income: HK$120,000 ... - **Key Features** - Welcome Offer: Enjoy up to $600 "RewardCash" (equivalent to 6,000 miles) - 2.4% "RewardCash" Rebate: Simple and straightforward, enjoy rebates with no minimum spending requirement - Designated Merchants (PARKnSHOP / Watsons / FORTRESS): Earn up to 6X "MoneyBack" points (equivalent to up to 2.4% rebate) ### Result 3 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 ... ## Citi Cash Back 年費 首年免年費，其後HK$1800 回贈 0.5%-15% 現金回贈 ... ## 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 ... ## 渣打Simply Cash ... ## 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| |AE白金卡（細頭）官網申請|官網未有說明|HK$9500|1-9倍積分回贈| |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| ### 常見問題 #### 香港最容易申請的信用卡？ HSBC Red Card及安信Wewa都是比較容易申請，因為年薪要求相對較低。 ### Result 4 香港免入息信用卡一覽2026｜學生、待業、自僱人士都能申請 - PANDAFRE... https://pandafreedom.com/no-income-credit-card/ 現時幾乎人人都有信用卡，但大多數信用卡都要求申請人具備一定收入，需提供收入證明才能通過審批。 對於學生、家庭主婦、待業人士或自僱人士等沒有固定收入的人群，申請信用卡可能較困難，甚至被拒批。因此，以下將介紹及比較市場上免入息要求及相對容易申請的信用卡，供大家參考！ ✓ 學生免入息 ## 安信Wewa 官網申請 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 ... 信用卡資料 - 年薪要求：學生免入息 / HK$150,000 ... ✓ 低申請門檻之選 ## 安信Earnmore 官網申請 年費 HK$800，學生首5年免年費，其他首2年免年費 回贈 1%-2% 現金回贈 官網及額外迎新優惠 HK$1300 ... - 年薪要求：學生免入息 / HK$150,000 - 年費：HK$800，學生首5年免年費，其他首2年免年費 ... ## 渣打Smart Card 官網申請 年費 永久免年費 回贈 0%-5% 現金回贈 官網迎新優惠 HK$800 回贈明細 - 當月簽賬累積HK$4,000至HK$14,999:基本簽賬可享0.56%現金回贈;於指定特約商戶如759阿信屋、百佳、屈臣氏簽賬，更可享5%現金回贈。 ... - 年薪要求：$96,000 - 永久免年費 ... ## HSBC滙財金卡 官網申請 年費 首2年免年費，其後HK$600 回贈 1-6倍 獎賞錢回贈 ... 現有客戶可獲HK$200「獎賞錢」回贈。詳情可參考條款及細則；另外，新客批卡後首 60 日內申請「現金套現」分期計劃，提款金額達HK$2萬元或以上，同時選擇 12 個月或以上還款期，就可以賺 HK$200「獎賞錢」回贈。 - 年薪要求：$60,000 - 首2年免年費，其後每年 $600 ... ## MOX Credit 官網申請 年費 永久免年費 ... |**信用卡**|**年薪要求**|**年費**|**回贈**|**迎新優惠總值**| |--|--|--|--|--| |安信 WeWa|學生免入息 / HK$150,000|HK$800（學生首 5 年免，其他首 2 年免）|0.4% – 4% 現金回贈|HK$1,300 現金回贈| |安信 EarnMORE|學生免入息 / HK$150,000|HK$800（學生首 5 年免，其他首 2 年免）|1% – 2% 現金回贈|HK$1,300 現金回贈| |恒生 MMPOWER|學生免入息 / HK$150,000|永久免年費|0.4% – 8% +FUN Dollars|HK$700 +FUN Dollars| |AE 白金卡（細頭）|未有透露|HK$9,500|1 – 9 倍積分回贈|HK$50 及 1,440,000 積分（相當於 HK$4,800 現金回贈）| |渣打 Smart Card|HK$96,000|永久免年費|0% – 5% 現金回贈|HK$800 現金回贈| |HSBC 滙財金卡|HK$60,000|首 2 年免年費，其後 HK$600|1 – 6 倍獎賞錢回贈|HK$800 獎賞錢| |Mox Credit|免入息|永久免年費|1% – 3% 現金回贈|–| ### Result 5 Credit Cards | American Express Hong Kong https://www.americanexpress.com/hk/en/credit-cards/ # American Express® Credit Cards ... American Express Credit Cards offer you a variety of rewards and offerings. You could either earn American Express Membership Rewards^®1^ points, Air Miles or Cashback by spending with our Credit Cards. ... ### Check the Credit Card fees The charges you pay partly depend on the type of card you have and how you use it. Some of our Cards have no first year annual fee. You can view our cards below. ... New Cardmembers^ can earn up to **1,320,000 points, enough to redeem 73,333 miles** - [NEW] Up to HK$4,500 Vacation Credit ... - - [NEW] Complimentary access to Hong Kong Football Club ... ## American Express Explorer ® Credit Card Enjoy welcome offer* of up to 26,000 miles, plus first-year annual fee waiver - Enroll to earn miles at a rate as low as HK$1.68 = 1 mile on foreign currency spending and HK$3 = 1 mile on Hong Kong dollar spending.^# ^^ - Enroll to earn up to 5 Membership Rewards points for every eligible HK$1 spent on Selected Online Merchants.^#^ - Complimentary Plaza Premium Lounge Access.^7^ *New Cardmembers Only. ... ## Blue Cash ® Credit Card from American Express Enjoy welcome offer* of up to HK$600 plus first year annual fee waiver of HK$980 - 1.2% Cashback on everyday purchases, in town and overseas - 20% savings on 3D, 2D, IMAX and 10% savings on 4DX regular priced movie tickets at Broadway Circuit *New Cardmembers Only. ... Enjoy welcome offer* of HK$200 Statement Credit - 3 Membership Rewards points for every HK$ 1 equivalent spent on eligible foreign currency transactions. - Enroll in the Local Spend Bonus Program to earn up to 2.5 Membership Rewards points for every HK$1 spent on eligible Hong Kong dollar transactions.^#^ ... ## American Express ® Gold Credit Card - 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit - Second-year annual card fee waiver by spending HK$24,000 or more a year ... Wherever your travels take you, you can take your American Express Credit Card. Your spend abroad is converted to Hong Kong dollars as soon as we process the transaction, based on our reference exchange rate which is set daily. ... American Express offers a range of Charge Cards which give you the financial flexibility of no pre-set spending limit, and no interest charges. ... ^New Cardmembers refer to Basic Cardmembers who are NOT currently holding or who have NOT held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months from the date of this application. ### Result 6 Best Standard Chartered Credit Cards in Hong Kong 2026 https://www.moneyhero.com.hk/en/credit-card/provider/scb Standard Chartered Bank offers a variety of credit cards in Hong Kong, including the cashback-focused Smart Credit Card, the mileage-earning Cathay Mastercard, and lifestyle-centric cards such as Simply Cash and Manhattan Platinum. Based on your spending habits and travel needs, choosing the right card not only helps you maximise rewards but also gives you access to welcome offers, interest-free instalments, and travel privileges. ... |Card| | |Hot Reward Pick|MoneyHero Reward|Minimum Annual Income|Card Benefit|Annual Fee| | ... | |Standard Chartered Cathay Mastercard - Priority Banking|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$1,780|HK$96,000|$2 - 6 per mile |HK$4,000 |Apply| | |Standard Chartered Cathay Mastercard|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$1,780|HK$96,000|Up to $2 - 6 per mile |HK$2,000 |Apply| | |Standard Chartered Smart Credit Card| |-|-|HK$96,000|0.5 - 5 % cashback |Perpetual Annual Fee Waiver| | ... Among Standard Chartered credit cards, the Smart Card stands out for its clear and effortless high cashback structure — no registration required. Cardholders can enjoy up to 5% cashback at a wide range of popular everyday merchants, such as 759 Store, Watsons, Circle K, Japan Home Centre, PARKnSHOP, and Deliveroo, which are ideal for those who regularly shop at supermarkets and convenience stores. As long as you spend HK$2,000 or more per statement period, you’ll automatically enjoy the highest cashback rate. With a lifetime annual fee waiver, this is a flexible and rewarding card for daily spending without any requirement for complex registration and category selection. ... Minimum Annual Income HK$ HK$ 96,000 Card Benefit 0.5 - 5 % cashback Annual Fee Perpetual Annual Fee Waiver ... - Annual Fee: Perpetual Annual Fee Waiver ... - Min. Annual Income: HK$96,000 ... 96,000 ... Annual Fee HK$ HK$ 2,000 Annual Fee Waiver ... - Annual Fee: HK$2,000 ... - Min. Annual Income: HK$96,000 ... Annual Fee ... HK$ 4,000 Annual Fee Waiver ... - Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date. ... The Simply Cash Visa Card is a simple and accessible option for those who prefer straightforward money management without complex rewards programmes. With a minimum annual income requirement as low as HK$96,000, it’s one of the more accessible credit cards on the market. Enjoy 1.5% cashback on local spending and 2% on overseas transactions, with no caps or category restrictions. The card is annual fee-free for the first year (HK$2,000 thereafter) and is part of the Visa Signature network, making it suitable for frequent travellers or those who prefer fuss-free cashback. ... If your annual income is below HK$96,000, you may place a fixed deposit of around HK$60,000 in a Standard Chartered bank account to support your application. ### Result 7 Compare the Best Credit Cards in Hong Kong for August 2026 https://giraffy.com/hk/en/banking/credit-cards 28 live credit cards offers tracked across 17 Hong Kong providers, with annual fees from HK$0 /year. Data current as of 2 November 2026 and updated daily from the Giraffy database. ... 28 live offers compared from 17 providers, from HK$30 /month. ... ### Mox Credit Mox HK$0 /year - Rewards: Up to 2% cashback or Asia Miles - Annual Fee: HK$0 ... ### 3HK Mastercard 3 Hong Kong HK$0 /year - Rewards: 3% rebate on 3HK bill - Annual Fee: HKD 0 - Intro Offer: Bill discount - Card Type: Telco Rewards ### Airstar Visa Card HK Airstar Bank HK$0 /year - Rewards: 1.5% cashback - Annual Fee: HKD 0 ... ### CMB Wing Lung Credit Card CMB Wing Lung HK$0 /year - Rewards: 1% rebate - Annual Fee: HKD 0 - Intro Offer: Welcome gift - Card Type: Basic Cashback ... ### HSBC Visa Platinum HK HSBC Hong Kong HK$0 /year - Rewards: 0.4% cashback - Annual Fee: HKD 0 - Intro Offer: Welcome cashback - Card Type: Entry Cashback ... ### HSBC Red Credit Card HSBC Hong Kong HK$0 /year - Rewards: 4% online cashback (capped), 1% other - Annual Fee: HK$0 - Intro Offer: — - Card Type: Mastercard ... ### Earn HSBC Reward+ Red Hot Stamp Card Rewards HSBC Hong Kong HK$30 /month - Provider: HSBC Hong Kong ... - Provider: HSBC Hong Kong ... HK$850 /month ... ### HSBC Premier Mastercard HK HSBC Hong Kong HK$1800 /year - Rewards: 1.5 miles per HKD 1 - Annual Fee: HKD 1,800/year - Intro Offer: 100,000 bonus miles ... Match the card to your spending: flat cashback for simplicity, category cards for dining or online, or miles cards for travellers. Compare the effective reward rate after caps, the annual fee and how easily it is waived, the welcome-offer spend requirement, and the foreign-transaction fee if you travel. ... HSBC Hong Kong offers the broadest range from cashback to premium miles cards; CMB Wing Lung competes on rewards and cross-border perks. Virtual banks Mox, ZA Bank, livi and Airstar Bank lead on numberless, app-first cards with instant issuance and flat cashback. ... Many cards carry no annual fee or waive it on meeting a spend threshold, while premium cards range up to around HK$2,000 or more a year. ... Yes — several cards tracked by Giraffy in Hong Kong charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history. ### Result 8 Best Credit Cards Hong Kong 2026 – Compare & Apply | MoneySmart https://www.moneysmart.hk/en/credit-cards?sort_by=recommended&utm_format=table ## HSBC EveryMile Credit Card As low as HK$2 = 1 Mile - **Local and oversea spending** HK$240,000 - **Minimum Annual Income** Up to $1,450 RewardCash ... ## Standard Chartered Simply Cash Visa Card HK$96,000 - **Min. Annual Salary** 1.5% - **Cash back on local Currency** 2% - **Cash back on foreign Currency** ... ## Aspire Corporate Visa Card HK$0 (no annual fee) - **Annual Principal Fee** 0% FX markup when spending via a matching currency account balance - **Foreign Currency Transaction Fee** No credit limit ... ## HSBC easy Credit Card HK$120,000 - **Min. Annual Salary** Up to 2.4% - **Cash back on local spend** Up to 6X MoneyBack Points ... - **Diverse Card Options and Rewards:** Hong Kong credit cards cater to various preferences, offering competitive cashback rates, air miles programs, and reward points across spending categories like dining, online shopping, and digital e-wallets. - **No-Annual-Fee Options:** Popular cards like HSBC Red Card, Standard Chartered Smart Card, Hang Seng MMPOWER Card, and Mox Credit offer perpetual or easily waivable annual fees, helping cardholders minimize holding costs. - **Expat and Foreigner Accessibility:** Foreign residents can apply using a valid passport alongside an employment contract (typically 9+ months) at major banks like HSBC, Hang Seng, and Standard Chartered, or transfer existing credit profiles via Amex Global Card Transfer. - **Key Cost and Fee Considerations:** Cardholders should watch for common fees, including foreign currency transaction charges (typically 1.5–3%), balance transfer fees, and high APR interest rates when balances are not cleared in full. ... ## Compare Credit Cards in Hong Kong: Annual Fees and Minimum Salary |Credit Card|Minimum Salary|Annual Fee| |--|--|--| |Citi Cash Back Card|HK$120,000|1,800| |Standard Chartered Cathay Mastercard|HK$96,000|HK$2,000| |Mox Credit Card (CashBack)|HK$0|HK$0| |Hang Seng MMPOWER Card|HK$150,000|HK$0| |DBS Black World Mastercard|HK$240,000|HK$2,000| |American Express Platinum Credit Card|HK$300,000|HK$2,200| |WeWa UnionPay Diamond Card|HK$0|HK$1,500| |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| ... Credit card rebates usually come with designated spending categories and minimum spending amounts. Beginners often stick to one card for everything so they don't have to compare offers, while experienced users mix and match several cards for different spending categories. The most important thing is to pick a card that fits your spending habits and what you can afford. For frequent travellers, the HSBC EveryMile Card earns miles at HK$2 per mile on overseas spending, and miles can be converted to 16 loyalty programmes, including popular choices like Asia Miles and Avios. ... The Mox Credit Card (Asia Miles) earns miles at as low as HK$4 per mile with a 0% foreign currency transaction fee. ... 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. ... |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| ... |No Annual Fee Credit Card|Annual Fee Waiver| |--|--| |HSBC Red Card|HK$0| |Standard Chartered Smart Card|HK$0| |Hang Seng MMPOWER Card|HK$0| |Hang Seng enJoy Card|HK$0| |EarnMORE UnionPay Card|First 2 years| |WeWa UnionPay Card|HK$800| |Mox Credit|HK$0| ... Standard Chartered has the lowest stated income threshold among major traditional banks at HK$96,000 a year for its Smart Card, making it a popular first card for new arrivals. ### Result 9 Apply Credit Card Online - Standard Chartered HK https://www.sc.com/hk/credit-cards/ ## Standard Chartered Cathay Mastercard Apply now to enjoy Welcome Reward of up to 120,000 Asia Miles¹ or up to HKD10,000 Cathay Gift Card |**HKD0.5 = 1mile** Welcome offer as low as HKD0.5=1 Asia Mile^1^|**HKD4 = 1mile** Eligible spending on dining and hotels categories|**Up to HKD2 = 1mile** Eligible spending on overseas category| ... For details, please refer to https://www.sc.com/hk/credit-cards/cathay/fanfest/ **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above ... ## Simply Cash Visa Card Open a designated banking plan and Simply Cash Visa Card to earn HKD1,200 Welcome Reward |**HKD1,200 CashBack** Welcome gift for new cardholders|**1.5%** Unlimited Cashback on spending in local currency|**2%** Unlimited Cashback on spending foreign currencies| |--|--|--| **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above ... ## Standard Chartered Smart Credit Card **Up to 5%** CashBack at everyday merchants **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above *Terms and Conditions apply ## A. Point Card Apply now to enjoy HKD200 Welcome Reward! |HKD200Welcome Reward for new cardholders|Up to 20x A.Point| |--|--| **Eligibility:** Hong Kong resident aged 18 or above, and with annual income of HKD96,000 or above ... Apply for SC CASH Credit Card Instant Loan to sweeten your cashflow stream and enjoy up to HKD18,000 Cash Rebate in return! - Credit Card Statement Instalment Plan Enjoy up to HKD1,200 CashBack and a chance to win HKD14,000 CashBack with Credit Card Statement Instalment! - Octopus Automatic Add Value Service ... - 360° Rewards Redemption Platform Manage your accumulated points/ CashBack. Redeem cash or air miles upon your selection - Real-time Details for Credit Cards ... - Dispute Resolution ... ### Notes 1. The Welcome Offer is only applicable to "New Cardholders". "New Cardholders" are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards. ### Result 10 Smart Credit Card (“Smart Card”) – Standard Chartered HK https://www.sc.com/hk/credit-cards/smart/ Smart Credit Card (“Smart Card”) – Standard Chartered HK - Bonus Saver - Cathay Mastercard ... Enjoy interest and handling fee waiver for the first HKD60,000 monthly cash out via FPS. ... Standard Chartered Smart Credit Card # Earn and save on your everyday spending. All you need is ONE card! ## Year-round Offer - ### Up to 5% CashBack On designated everyday merchants. No registration and available every day*. - ### Fees, Goodbye! No foreign exchange fees, no annual fees, no cash advance fees. Ever. ## Up to 5% CashBack* at Designated Merchants, earn and save on your everyday spending **Grocery shopping & Home:** HKTVmall, Circle K Convenience Store, PARKnSHOP **Beauty & Health care:** Watsons, Sasa **Food and beverage:** McDonald’s Hong Kong, Foodpanda **Sport & Entertainment:** Klook **Digital Lifestyle:** China Mobile Hong Kong and s/ash Minimum spending requirements apply. ## No foreign currency transaction fees during travel and No other fees - Waive 1.95% fee and earn 1.2% CashBack on foreign currency retail transaction - No annual fees - No Cash advance fees ... Skip the fees. Now you can pay your rent, education expenses, car park fees and even your family and friends with your credit card without handling fees! ... New Bonus Saver clients can earn up to HKD1,200 a year upon monthly spending of HKD10,000 or above with SC Credit Card plus a Limited Edition Standard Chartered Mickey Keep It Real 999.9 Gold Coin ... **Eligibility** Hong Kong resident aged 18 or above Annual income of HKD96,000 or above ... Ⓐ Promotion Period: 1 Aug 2026 to 3 January 2027 Ⓑ Upon successfully signing up for and issued with a Standard Chartered Smart Credit Card, the Bank will rebate a certain percentage of the amount of the Eligible Transactions (“Eligible Transactions”, as defined in Clause 3 of the Standard Chartered Smart Credit Card Rewards Scheme (“Rewards Scheme”) Terms and Conditions ), according to the accumulated spending amount in Eligible Transactions made on a monthly statement cycle basis (“Monthly Eligible Spending”) in the form of CashBack reward (“CashBack”) to the Card account as shown in the table below: ... | |EXTRA CASHBACK| |BASIC CASHBACK| |TOTAL CASHBACK#| |--|--|--|--|--|--| |Monthly Eligible Spending*|CashBack for Eligible Transactions made at Designated Merchants|Spending Cap per Monthly Statement Cycle|CashBack for Eligible Transactions|Spending Cap per Monthly Statement Cycle| | |HKD 4,000 to HKD 14,999|4.44%|HKD5,000^|0.56%|Unlimited|5%| |HKD 15,000|3.80%|HKD5,000^|1.2%|Unlimited|5%| *For the avoidance of doubt, if Cardholder’s Monthly Eligible Spending is less than HKD4,000 in a particular month, Cardholder will not be entitled to any CashBack in that month. ... ^The total maximum amount of Eligible Transactions made at Designated Merchants that qualifies for the Extra CashBack (i.e. the 5% Cashback deducting Basic Cashback) is HKD5,000 per Card account within a monthly statement cycle.
Perplexity · 經常在香港網購，想比較回贈上限和簽賬限制，有哪些銀行的信用卡值得了解？ in Hong Kong?
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Nov 3, 2026, 1:00 AM UTC
Search query: 經常在香港網購，想比較回贈上限和簽賬限制，有哪些銀行的信用卡值得了解？ in Hong Kong?
Nov 3, 2026, 1:00 AM UTC · Completed
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- #1 多間銀行信用卡爭相推網購優惠最高達8%回贈吸客Source context · stockfisher.com.hk
- #2 最佳網購信用卡推薦2026 - 高回贈高額簽賬上限都俱備Source context · yolkinsight.hk
- #3 網上簽賬信用卡比較（現金回贈/里數）2026年9月 - PANDAFREEDOMSource context · pandafreedom.com
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# Search Results: 經常在香港網購，想比較回贈上限和簽賬限制，有哪些銀行的信用卡值得了解？ in Hong Kong? Found 10 results. ### Result 1 多間銀行信用卡爭相推網購優惠最高達8%回贈吸客 https://www.stockfisher.com.hk/news/a7e1c32b-6ec7-442e-9395-1d96faa9c79b ``` 鑑於電子商務日漸普及，網上消費已成為不少港人主要的購物模式。為迎合市場需求，本地多間主要銀行信用卡近期紛紛推出線上簽賬優惠，部分更高達8%回贈，旨在吸引消費者利用其服務。 本文整理了市面上主要的信用卡網購回贈計劃，供消費者參考。 **恆生MMPOWER信用卡：淘寶、Netflix等享8%回贈** 據悉，恆生MMPOWER信用卡由即日起至2026年12月31日，為指定商户簽賬提供最高8% +FUN Dollars回贈獎賞。 此回贈包含基本的0.4%回贈（即每簽賬250港元可賺取1 +FUN Dollar）及額外7.6%回贈。指定商户範圍廣泛，涵蓋網上娛樂及網上服飾等，適用於網上或香港實體銷售點（百貨公司專櫃及特賣場除外）。 值得留意的是，持卡人需每個曆月簽賬滿3,000港元方可享此優惠，全日制大專生或大學生則可獲豁免此簽賬要求，直至其畢業年度結束。 **滙豐Red信用卡：指定商户8%回贈 網購享4%** 滙豐Red信用卡則於2026年6月30日或之前，為持卡人提供不同類型的回贈。 在指定商户的香港實體店簽賬，最高可享8%「獎賞錢」回贈；而網上簽賬則最高可獲4%「獎賞錢」回贈。需要注意的是，透過電子錢包進行的簽賬不適用於上述回贈。 每月指定商户類別簽賬額達1,250港元，可賺取100港元「獎賞錢」；每月首10,000港元網上簽賬額，則可賺取400港元「獎賞錢」。 **中銀Bliss Card：網購簽賬高達6%現金回贈** 中銀Bliss Card持卡人於2026年12月31日前，每個曆月在指定網上商户簽賬首10,000港元，可享最高15倍簽賬積分，相等於6%現金回贈。 至於其他網上零售簽賬，則可享最高10萬積分，即4%現金回贈。 **中銀Chill Mastercard：海外及網上簽賬最高5%回贈** 中銀Chill Mastercard分為World Mastercard與Platinum Mastercard兩種。 World Mastercard的海外及網上簽賬現金回贈率為5%，Platinum Mastercard則為4%。兩者均包含0.4%的「簽賬得FUN」積分回贈，其餘為現金回贈。此外，每月累積指定Chill商户實體簽賬消費滿1,500港元，最高可獲10%回贈。 兩項回贈推廣期均至2026年6月30日。 **東亞BEA GOAL信用卡：網購享4.4%現金回贈** 東亞BEA GOAL信用卡持卡人於2026年6月30日前，每個曆月至少簽賬2,000港元，網上交易可享4%額外現金回贈，連同0.4%基本獎賞，網購總回贈可達4.4%。 此外，娛樂消費、旅遊及本地交通亦可分別享額外5%和6%現金回贈。每月現金回贈上限為200港元。然而，透過團購或其他機構的消費、超級市場、政府部門簽賬交易及循環付款、自動轉賬交易，均不獲發額外現金回贈。 **信銀國際Motion信用卡：網上簽賬享6%現金回贈** 信銀國際Motion信用卡持卡人於6月30日或之前，每曆月累積合資格零售簽賬滿3,800港元或以上，同一曆月的食肆及網上簽賬可享6%現金回贈，每曆月現金回贈金額最高為200港元。 值得注意的是，任何超級市場網上平台交易均不計算為合資格網上簽賬。 ``` ### Result 2 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/ 今時今日好多時大家都會經常做網上購物/付款，網購係可能大家做得最多嘅嘢。所以唔同銀行嘅信用卡喺網購方面嘅優惠力度都特別大。一張網購卡唔夠？今日就同大家深入介紹幾張都值得擁有嘅最佳網購卡。有啲啱大額消費又有啲啱小額消費。即刻望望。 ## 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！ 🔍蛋黃視野是專注於研究信用卡消費回贈、里數的多年實務操作用家，坐擁超過50張信用卡以上；還會善用高息存款帶來的利息回報、專注港美股投資超過15年，深度參與IPO活動，以實現躺著賺的目標。喜歡❤️我地嘅內容👨🏫，可以比個Like！你的支持是我的動力💫✨。 📝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 網上簽賬信用卡比較（現金回贈/里數）2026年9月 - PANDAFREEDOM https://pandafreedom.com/online-shopping-credit-cards/ ## 網上簽賬信用卡比較（現金回贈/里數）2026年9月 網購越來越普及，不少人都習慣用信用卡付款，方便快捷又安全。不過，市場上信用卡選擇眾多，到底哪一張最適合網購？其實沒有最好，只有最適合你的。根據自己的網購習慣揀啱信用卡，先可以真正賺盡回贈。 以下將比較市面上熱門網購信用卡，供大家參考。 ✓ 網購之選 ## HSBC Red Card 年費 永久免年費 回贈 0.4%-8% 獎賞錢回贈 官網迎新優惠 HK$850 獎賞錢 ## 回贈明細 - 每月首HK$10,000網上簽賬：4% 獎賞錢回贈 - 每月首HK$1,250指定商戶簽賬：8% 獎賞錢回贈 - 基本簽賬：0.4% 獎賞錢回贈 ## 信用卡資料 - 年薪要求：$120,000 - 永久免年費 - 外幣交易手續費：1.95% - 海外網上商戶手續費：1% ... 優點 - 網購現金回贈吸引 - 永久免年費 - 最低簽賬要求 - 申請門檻低 缺點 - 基本回贈較低 ... ✓ 大額網購之選 ## 恒生 MMPOWER 年費 永久免年費 回贈 0.4%-8% + FUN Dollars回贈 官網迎新優惠 HK$700 + FUN Dollars ## 回贈明細 - 當月簽賬滿HK$3,000（全日制大專／大學生可豁免至畢業年度結束 ），即可享受以下優惠： - 指定商戶簽賬：高達8%現金回贈 - 網上娛樂／網上服飾：高達8%現金回贈 - 網購：高達5%現金回贈 - 海外實體店外幣簽賬：高達4%現金回贈 - 以上回贈已包括基本0.4% +FUN Dollars，每個合資格信用卡戶口每月額外回贈上限為HK$500。 ## 信用卡資料 - 年薪要求：學生免入息 / HK$150,000 - 永久免年費 - 外幣交易手續費：1.95% - 海外網上商戶手續費：1% ... - 網購現金回贈吸引 - 永久免年費 - 申請門檻低 缺點 - 基本回贈較低 - 需簽賬滿HK$3000，才可享額外回贈 - 不可以兌換里數 ✓ 最佳Asia Miles里數信用卡 ## 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 官網及額外迎新優惠 14.5萬里數 ## 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。 - 國泰及香港快運航空簽賬當季簽賬需滿HK$8,000，額外2,667「亞洲萬里通」里數，相當於HK$2 = 1里 ## 信用卡資料 ... - 年薪要求：$96,000 - 首年免年費，其後每年 $2,000 - 外幣交易手續費：1.95% ... ✓ 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 - 每月回贈上限為HK$200。 ## 信用卡資料 - 年薪要求：學生免入息 / HK$150,000 - 年費HK$800，學生首5年免年費，其他首2年免年費 ... ✓ 高端里數信用卡之選 ## Citi Prestige 年費 HK$3,800 回贈 $4-$6/里 里數回贈 官網迎新優惠 720,000積分＋HK$1200現金回贈 ## 回贈明細 - 本地簽賬：HK$6 = 1里 - 海外及網上外幣簽賬：HK$4 = 1里 - 基本卡及附屬卡積分會合併至基本卡戶口，可透過Pay with Points抵銷簽賬或兌換現金回贈；轉換里數每次收取 HK$200 手續費。 ## 信用卡資料 - 年薪要求：$600,000 - 年費：HK$3,800 - 外幣交易手續費：1.95% - 海外網上商戶手續費：1% ... - **環亞機場貴賓室：** 只適用於 Citi Prestige 基本卡持卡人。每位主卡持卡人每日最多可免費使用指定環亞機場貴賓室 1 次。使用時必須出示當日登機證及 Citi Prestige 信用卡。同行賓客每人每次收費 HK$250。 - **Citi Prestige 禮賓服務** ... - 申請門檻較高，年薪需達到60萬 - 必須支付年費 - 兌換里數每次收取HK$200的手續費 ✓ 食飯/網購現金回贈信用卡 ## 信銀國際Motion信用卡 年費 首年免年費，其後HK$1,800 回贈 0.4%-6% 現金回贈 官網迎新優惠 HK$1000 ## 回贈明細 - 每曆月簽賬滿HK$3,800，該月的食肆及網上簽賬才享 6%。 - 6% = 基本現金回贈 + 額外現金回贈。 - 額外回贈每月最高 HK$200（即上限簽HK$3571）。每個簽賬月份完結後 4個月內存入並顯示於月結單。 ## 信用卡資料 - 年薪要求：HK$150,000 - 首年免年費，其後HK$1,800 - 外幣交易手續費：1.95% - 海外網上商戶手續費：1% ... - 網購和餐飲回贈吸引 - 申請門檻低 缺點 - 額外回贈設有最低簽賬要求 - 基本回贈只有0.4% - 不可以兌換里數 ### 網上簽賬信用卡比較 |信用卡|年薪要求|年費|回贈|迎新優惠總值| |--|--|--|--|--| |HSBC Red Card|HK$120,000|永久免年費|0.4% – 8% 獎賞錢|HK$850 獎賞錢| |恒生 MMPOWER|學生免入息 / HK$150,000|永久免年費|0.4% – 8% +FUN Dollars|HK$700 +FUN Dollars| |渣打國泰Mastercard|HK$96,000|首年免年費，其後 HK$2,000|HK$2 – HK$6 / 里|高達 14.5 萬里數| |安信 WeWa|學生免入息 / HK$150,000|HK$800（學生首 5 年免，其他首 2 年免）|0.4% – 4% 現金回贈|HK$1,300 現金回贈| |Citi Prestige|HK$600,000|HK$3,800|HK$4 – HK$6 / 里|720,000 積分 + HK$1,200 現金回贈| |信銀國際 Motion 信用卡|HK$150,000|首年免年費，其後 HK$1,800|0.4% – 6% 現金回贈|HK$1,000 現金回贈| ### Result 4 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 香港市面上信用卡選擇非常多，究竟哪張才是最好？ 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。 ✓ 最佳Asia Miles里數信用卡 ## 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 官網及額外迎新優惠 14.5萬里數 ## 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。 - 國泰及香港快運航空簽賬當季簽賬滿HK$8,000，額外2,667「亞洲萬里通」里數，相當於HK$2 = 1里 ## 信用卡資料 ... - 年薪要求：$96,000 - 首年免年費，其後每年 $2,000 ... ## 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 ... ## 信用卡資料 - 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 - 年薪要求：$120,000 - 首年免年費，其後每年 $1,800 ... - 額外回贈有最低簽賬門檻 ... ## HSBC Red Card 年費 永久免年費 回贈 0.4%-8% 獎賞錢回贈 官網迎新優惠 HK$850 獎賞錢 … ## 信用卡資料 - 年薪要求：$120,000 - 永久免年費 - 外幣交易手續費：1.95% - 海外網上商戶手續費：1% - 閱讀完整攻略 ## 評價 優點 - 網購現金回贈吸引 - 永久免年費 - 最低簽賬要求 - 申請門檻低 缺點 - 基本回贈較低 ... - 每月回贈上限為HK$200。 ... ## AE Explorer 年費 首年免年費，其後HK$2,200 回贈 3-10.75倍 積分回贈 官網及額外迎新優惠 HK$50 回贈＋576000積分 ## 回贈明細 - 本地及外幣簽賬，每 HK$1 可獲 3 美國運通積分（即HK$6 = 1 里）。 - 登記後至2026年12月31日，本地港幣簽賬每 HK$1 最高 6 積分（即HK$3 = 1 里）；每季首HK$15,000簽賬可享額外 3 積分。 - 登記後至2026年12月31日，外幣簽賬每 HK$1 最高 10.75 積分（即HK$1.68 = 1 里）；每季首HK$10,000簽賬可享額外 7.75 積分。 - 登記後至2026年12月31日，指定網上商戶以港幣簽賬，每 HK$1 最高 5 積分（即HK$3.6 = 1 里）；每季首HK$45,000簽賬可享額外 2 積分。 - 超過限額：HK$6 = 1 里。 ... ✓ 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。 最低兌換額：HK$50。 ## 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 - 外幣交易手續費：1.95% - 海外網上商戶手續費：1% ... ## HSBC Visa Signature 年費 首2年免年費，其後HK$2000 回贈 1-9倍 獎賞錢回贈 官網迎新優惠 HK$1000 … - 額外5X適用於所選類別／指定商戶，全年合資格簽賬上限HK$100,000。 ... ### 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| |AE白金卡（細頭）官網申請|官網未有說明|HK$9500|1-9倍積分回贈| |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 5 Best Online Shopping Credit Cards in Hong Kong 2026 - MoneyHero https://www.moneyhero.com.hk/en/credit-card/comparison/online-shopping Compare the best online shopping credit cards in Hong Kong. Earn cashback, rewards, or air miles when you shop on platforms such as HKTVmall, Taobao, Amazon, Zalora, Klook, and Foodpanda. With the right card, your everyday eCommerce spending can earn up to 10% cashback or bonus miles. ... |Card| | |Hot Reward Pick|MoneyHero Reward|Local Online Shopping Cashback|Overseas Online Shopping Cashback|Minimum Annual Income| | |--|--|--|--|--|--|--|--|--| | |PrimeCredit WeWa Visa Signature Card|Apply|New Credit Card Customer: HK$600 Exclusive Welcome Reward|HK$1,799|-|-|HK$240,000|Apply| | |HSBC Red Credit Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$850|4 % |Up to 4 % |HK$120,000|Apply| | |Citi Rewards Card|Apply|Win up to HK$12,000 in Apple Store Gift Cards|HK$7,818|0.4 %|0.4 %|HK$120,000|Apply| | |Citi Cash Back Card|Apply|Plus an extra HK$500 spending rebate and up to 72,000 miles!|HK$7,818|1 %|2 % |HK$120,000|Apply| | |sim Credit Card| | | |Up to8 % |Up to 8 % |No Requirement| | ... Cashback Local 4 % Cashback Overseas 14 % Min. Annual Income HK$ HK$ 240,000 Annual Fee Waived for the first 2 years (thereafter HK$1,500) MoneyHero Reward up to HK$1,799 ... ### HSBC Red Credit Card Apply Now Local Online Shopping Cashback 4 % Overseas Online Shopping Cashback Up to 4 % Minimum Annual Income HK$ HK$ 120,000 Annual Fee Perpetual annual fee waiver MoneyHero Reward up to HK$850 ... Win up to HK$12,000 in Apple Store Gift Cards ... You’ll also receive the following welcome gift(s) directly from the bank 8% RewardCash rebate (up to HK$100 RewardCash per calendar month) 4% RewardCash rebate (up to HK$400 RewardCash per calendar month) Worth HK$300 ... **RewardCash rebates across the board, no minimum spending requirement, and no registration needed** - Online transactions: up to 4% RewardCash rebate (capped at HK$10,000 per month) (equivalent to HK$2.5 per air mile); 0.4% rebate for remaining spending - Designated merchants spending: 8% RewardCash rebate ((capped at HK$1,250 per month); 0.4% rebate for remaining spending) ... MoneyHero Reward up to HK$7,818 ... ### sim Credit Card Cashback Local Online Shopping Up to 8 % Cashback Local Up to 8 % Annual Fee ... HK$ 800 ,first-year annual fee waiver Annual Fee Waiver ... - Online Spending: 8% CashBack, capped at HK$200 per month* (requires cumulative HK$1,000 in eligible non-online retail spending within the same calendar month, with each eligible online transaction having a net amount of HK$500 or above) ... - *CashBack cap is shared across all categories, with a maximum of HK$200 CashBack per Eligible Card per month ... ## Things to check before applying - Whether the platform is included in the bank’s online spending definition. - Cashback / miles cap per month. - Welcome offers for new cardholders. ## FAQ ... Some cards offer up to **8–10% cashback** on selected eCommerce platforms. - Yes, most are eligible, but it depends on the bank’s definition of “online spend.” - Many cards count **Foodpanda and Deliveroo** under online shopping, but check MCC codes - Yes, most cards impose a monthly or annual cashback/miles cap. - Yes, if the transaction is processed as online spend by the bank. ### Result 6 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 7 Best Online Shopping Credit Cards Hong Kong 2026 :8% Rebate https://www.moneysmart.hk/en/credit-cards/online-shopping # Best Online Shopping Credit Cards in Hong Kong Buy online with best credit card for online shopping to enjoy high rebates and special promotional discounts. Compare and find the best credit card shopping offers, from a range of groceries to online fashion store. online shopping credit cards can help you earn extra rewards including points, air miles and cashback while you book air tickets/ cinema tickets and shopping online. Apply online shopping credit cards through MoneySmart to get extra rewards! - # Looking For The Right Credit Card? ... ## Mox Credit Card (Cashback) - **Unlimited CashBack at all supermarkets** 3% - **Unlimited CashBack** 2% - **MoneySmart exclusive welcome offer** Up to HKD3,199 rewards ... ## HSBC Red Credit Card - **Min. Annual Salary** HK$120,000 - **RewardCash Rebate** Up to 4% - **Cash back on Supermarket purchases** 2% ... 🌟 Spend HK$5,000 or above to receive an extra 6% RewardCash Rebate (Maximum: $350 RewardCash) ➕ Up to 4% RewardCash Rebate if you shop online ... ## Mox Credit Card (Miles) - **Miles Conversion** HKD4 = 1 mile - **Foreign Transaction Fee** 0% - **MoneySmart exclusive welcome offer** Up to 52,000 miles + HKD2,300 rewards ... ## Hang Seng MMPOWER World Mastercard® - **Annual fee** Perpetual annual fee waiver - **+FUN Dollars rebate on Overseas foreign currencies spending** Up to 6% - **+FUN Dollars rebate on Online Retail Transaction** Up to 5%% ... ## EarnMORE UnionPay Diamond Card - **Min. Annual Salary** ^HK$^0 - **Cash back on overseas spend** 2% - **Cash back on local spend Does the 2% cash rebate have a cap? Yes, the 2% cashback of this credit cards is constituted of 1% basic rebate and 1% extra rebate, and you can only earn maximum HK$2,000 cashback, which means only the first HK$200,000 spend is eligible for the 2% cash rebate.** 2% ... ## American Express Explorer® Credit Card - **Min. Annual Salary** ... ## Citi Rewards UnionPay Card - **Minimum Income Requirements** HK$120,000 - **Cashback on shopping & entertainment transactions** 8.1X points - **Miles Conversion (Shopping and entertainment spending)** As low as $1.8 = 1 Mile ... ## sim World Mastercard®️ - **Cashback on Online Retail Transactions and Overseas Retail Transactions** Up to 8% - **Fee Waiver** First Year Free - **Local Resident** ^HK$^150,000 ... From now until 31 October 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn **HK$600 Apple Store Gift Card or HK$600 PARKnSHOP Supermarket Voucher**! ... ## Hang Seng enJoy Card ##### Apply and redeem any of these rewards From now until 16 October 18:00 GMT+8, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$200 within 30 days after card issuance, can enjoy an extra **8,000 SmartPoints**; existing customers who spend HK$200 within 30 days after card issuance, can also enjoy extra **6,000 SmartPoints! ... ## Best Online Shopping Credit Cards in Hong Kong 2025 |Online shopping credit card|Annual salary requirement|Online Shopping Rewards| |--|--|--| |Citi Clear Card|HK$60,000|2% Cash Back| |Citi Rewards Visa Card|HK$150,000|0.4% Cash Back| |EarnMORE UnionPay Card|HK$0|2% Cash Back| |DBS Black World Mastercard|HK$240,000|HK$6 = 1 mile| |Standard Chartered Simply Cash Visa Card|HK$96,000|1.5% Cash Back| |American Express® I.T Cashback Card|HK$150,000|1.2% Cash Back| |Hang Seng MPOWER Card|HK$150,000|5% Cash Rebate| |HSBC Red Card|HK$150,000|4％ Cash Rebate| |DBS COMPASS VISA|HK$60,000|3% Cash Back| ### Result 8 網購信用卡回贈7大伏位2025!專家建議咁做... - SUPERPARK https://superpark.com.hk/118636/ - 眾安銀行的ZA Card屬扣賬卡，沒有基本的現金回贈，但就會定期為客戶特定不同類型的簽賬消費，提供優惠和高比率的現金回贈。 ... - 以中銀i-card信用卡在網上購物或透過手機支付交易，可享10倍簽帳積分，相等於4%現金回贈；每位用戶每月最多可獲額外10,000簽帳積分。 簽帳要求：首1.5萬名新客戶輸入邀請碼「GOMOX」成功開立Mox戶口，並於開戶後30日作合資格消費滿HK$500，可享HK$500現金獎賞。 特點：EarnMORE銀聯卡的本地簽賬、海外簽賬、網購現金回贈高達2%，更不設最低消費額，只要零售簽賬即可獲現金回贈。 用EarnMORE銀聯信用卡於海外簽賬，不但不需支付任何手續費，旅途中的簽賬更可以額外賺高達2%現金回贈。 如果是外國網購，就要留意外幣外易手續費，市面上大部分信用卡都有這收費，你可以選擇上述高回贈網購信用卡，賺取回贈與手續費的差價，或者選擇免外幣交易手續費的信用卡或扣賬卡。 基本上所有 銀聯信用卡 都免外幣交易手續費，另外 渣打 Smart 信用卡 也是免外幣交易手續費。 ... 以網購信用卡為例，部分推出吸引的網購現金回贈比率；一些卡則在里數轉換上更勝一籌。 不過，不同網購信用卡的申請要求亦不同，最基本的門檻便是年薪，另亦有不少信用卡的年費高企，消費者在申請前須留意是否可以首年，或永久豁免年費。 ... ### 網購信用卡回贈: 滙豐Visa Signature信用卡：高達3.6%「獎賞錢」回贈 這張信用卡最吸引之處係可任選儲里數組合，既可儲AsiaMile，又可換Avios，自由度極高。 憑渣打 Simply Cash Visa卡進行任何本地簽賬都有1.5%現金回贈，海外簽賬更享2%現金回贈，無論網購消費還是出街shopping，都可以享盡回贈優惠。 此外，渣打信用卡也有提供美饌及睇戲優惠，年薪要求只需HK$96,000，非常容易成功申請。 安信EarnMore銀聯卡為每筆本地和海外簽賬提供2%現金回贈，連八達通自動增值都有回贈，並且不設最低簽賬要求，對習慣使用八達通消費的朋友來說是不錯的信用卡選擇。 使用恒生 MPOWER 白金卡支付網上簽賬、海外簽賬、手提電話簽賬，一律享有5% Cash Dollars 回贈。 但要留意，此卡不適用於滙豐銀行的「最紅自主獎賞」計劃。 指定信用卡卡主可享限時網購優惠，如DBS信卡卡主於2020年7月31日前，於Uber Eats訂餐可享高達HK$50即時折扣；憑美國運通國泰航空尊尚信用卡於Apple網上商店消費滿指定金額，可享額外1,500里數回贈。 渣打與國泰合作，推出渣打國泰萬事達卡取代渣打亞洲萬里通萬事達卡，回贈依舊全面，是為儲Asia Miles必備信用卡！ 渣打國泰萬事達卡比舊卡升級回贈，於國泰及香港快運簽賬享HK$2/里，而餐飲、網上及海外簽賬仍然保持HK$4/里，其他本地簽賬和八達通自動增值都有HK$6/里！ 信用卡首年免年費，里數每月自動存入「亞洲萬里通」賬戶，手續費全免。 ... 新客戶必須於新卡發出後3個月內簽賬滿HK$4,800方為合資格領取迎新。 今期AEON WAKUWAKU卡迎新，新舊客可享網上簽賬額外10%回贈（上限$500），即合共高達16%回贈！ 新卡批核後首12個月內，只需每月以信用卡作認可簽賬達$3,000或以上，其中網上簽賬可賺取高達5%現金回贈。 另外，渣打銀行旗下信用卡每月推常推出網購優惠，網購精千萬不要錯過。 今年此卡更將年薪要求降至HK$96,000，無論你係初出茅蘆的畢業生定工作多年的朋友都容易申請。 使用設有網購回贈的信用卡時，除了要留意回贈比率以外，亦應小心簽賬回贈要求回贈上限。 以恒生MPOWER卡為例，要獲得5%網上簽賬回贈必須累積每月零售簽賬滿HK$3,000，而且須事先於網上登記優惠方可獲發獎賞。 ... 以中銀i-card信用卡在網上購物或透過手機支付交易，可享10倍簽帳積分，相等於4%現金回贈；每位用戶每月最多可獲額外10,000簽帳積分。 ... 以表列各信用卡為例，二者合共的外幣交易或兌換手續費多為1.95%。 不同的恆常簽帳獎賞現金回贈計劃主要分為自動回贈、兌換回贈和扣減交易金額 3 種回贈方式。 以恆常計劃為例，調查發現在 21 間發卡機構當中，回贈比率最高的是「富邦銀行」白金卡及Titanium卡，可達 6%，對比起最低 0.22% 的「中國建設銀行」eye 信用卡及 tiramisu 信用卡相差逾 26 倍。 而大部分發卡機構的恆常計劃提供的最低現金回贈比率介乎 0.4% 至 0.5%，相等於 $200 至 $250 簽帳可兌換 $1 現金回贈。 張卡每月嘅額外回贈上限係$150，如果全部簽晒指定商戶就簽$1,562爆，或者如果全部簽晒手機／網上／海外簽賬就簽$3,260爆。 編輯比較多款網購信用卡後認為，如果大家經常在淘寶買東西的話，恒生MPOWER卡及DBS Compass Visa是必申請之選。 而一般網購嘅話，東亞I-Titanium信用卡門檻低，再登記「東亞日」後有額外4.4%回贈，值得使用。 網購信用卡回贈 卡主需選擇Visa/Mastercard/銀聯，並輸入個人資料包括姓名、信用卡號碼，信用卡到期日以及信用卡背面的3位數字保險碼（CVV）即可。 部分銀行或會要求卡主輸入一次性SMS短訊驗證，確認交易。 ... 隨愈來愈多的國家向境外遊客開放，里數回贈便有了用武之地。 例如使用美國運通的Explorer信用卡進行網上簽帳，每4元簽帳額可轉換得1里數（或1.25%的現金回贈，二者選其一）；渣打國泰信用卡亦是每4元網上簽帳額換1里數。 不過，部分信用卡優惠雖吸引，但對客戶的年薪要求亦較高，比如美國運通的Explorer信用卡要求申請者年薪最低為30萬元，即月薪至少2.5萬元。 其餘大部分信用卡的年薪要求則為十餘萬，其中渣打國泰信用卡之年薪門檻為9.6萬元，而東亞銀行i-titanium的門檻為表列銀行中最低，為4萬元。 年費方面，部分信用卡低至600元，高至逾2000元。 ... 網購會有#額外4倍積分#，加上1倍基本積分，合共5倍，每年最多可賺取額外30萬積分。 登記「賞即飛天地」計劃後，以外幣網購或網上預訂機票、旅行團等旅遊類簽賬，可額外獲得2倍積分，合共7倍，如以積分兌換里數，相當於HK$2.14/里，換成現金回贈，就等於2.8%回贈。 網購有10倍簽賬積分，分3個月簽賬HK$2,500可獲25,000分，兌換「亞洲萬里通」里數或現金回贈，即可獲HK$1.5/里或4%回贈，兌換率較高。 可惜的是，#10倍積分中的9倍額外積分#，每月最多只可以賺取1萬積分，即每月簽賬HK$1,112便封頂。 ### Result 9 網購卡[year]介紹!（持續更新） - SUPERPARK https://superpark.com.hk/118640/ # 網購卡[year]介紹!（持續更新） 信用卡花多眼亂，想申請一張優惠全面的信用卡，又不想花時間研究每張卡簽賬優惠，安信EarnMORE銀聯卡十分簡便易用，無論在本地或海外商戶網上購物，一律享高達2%現金回贈，而且還豁免海外簽賬手續費。 另外，安信EarnMORE銀聯卡出卡門檻低，全日制大學或大專生申請可獲豁免最低年薪要求。 不過2%現金回贈設有上限，每年HK$2,000，對於高消費人士來說是個缺點。 同屬網購必備的信用卡，恒生MPOWER卡主打指定流動支付、網上及海外簽賬均可獲5% Cash Dollars回贈，不過就要每次網上購物的簽賬額滿HK$300方可獲得回贈。 另外憑卡於MCL戲院網站預訂門票除了網上購票免手續費，更享特別優惠，加上恒生本身經常有商戶優惠及DORI快閃優惠，算得上優惠多的信用卡。 恒生MPOWER卡年薪要求15萬，學生也容易申請。 無論您在本地購物還是海外消費，使用外幣從此更加輕鬆。 滙豐萬事達卡®扣賬卡提供12種主要貨幣，讓您隨時隨地在網上、本地及海外購物，並可免費於全球滙豐自動櫃員機提取現金。 使用設有網購回贈的信用卡時，除了要留意回贈比率以外，亦應小心簽賬回贈要求回贈上限。 以恒生MPOWER卡為例，要獲得5%網上簽賬回贈必須累積每月零售簽賬滿HK$3,000，而且須事先於網上登記優惠方可獲發獎賞。 不想花時間記住獎賞詳情的話亦可考慮簽賬回贈無上限的信用卡，如滙豐Red信用卡的4%網購回贈及HK$4/里的渣打亞洲萬里通萬事達卡。 一般而言，信用卡網上購物交易不收取額外手續費。 ## 網購卡: 富邦 momo 卡｜2023 回饋整理！ 其他香港信用卡的網上購物優惠包括保養服務、贈品、退貨保證及現金回贈優惠等等。 網購卡 所以，如果你經常於網上購物，可以考慮申請一張回贈率高的網上購物信用卡。 不需額外登記，於指定商戶簽賬可享10%回贈，而網上及流動支付簽賬亦可享5%回贈！ 不過就要留意，兩項回贈優惠設每月回贈上限HK$150。 申請虛擬信用卡一般都是透過網上進行，雖然不少實體卡也提供此服務，但在換卡、補發新卡時，實際卡始終需要數個工作天的寄送時間，相反虛擬卡一經批核，即可馬上使用。 網路消費之定義係指該筆刷卡金額須為一般消費且透過手機、電腦或平板以網際網路方式刷卡付款(限以本行系統判定為網路消費為準)，不包含電話、傳真及授權自動扣帳等交易方式。 - 信用卡遭強制停用、申請停用、停卡、取消交易、掛失不補發或到期不續卡。 - 貸鼠先生為您比較各種銀行貸款方案，一次 10 間以上銀行貸款比較，整理各家銀行信貸，提供快速試算功能精算每月還款金額，找出最低利息負擔方案，最適合精打細算的您。 ... Jan亦會間中網購服飾或日用品，偶然網店減價會買些小禮物給自己，平均每月網購消費 HK$200。 建行(亞洲)eye信用卡除了拍卡之外，網購都有2%回贈，即合共可賺 HK$10回贈。 HK$4/里，每月自動兌換里數並存入「亞洲萬里通」賬戶，好處在於兌換里數毋須手續費，而且不用手動轉換里數，簡單方便。 ### 網購卡: 國內網購聯名信用卡推薦比較 本年網上簽賬可賺取額外5.45%現金回贈，加上基本0.55%回贈，合共可賺取6%回贈。 每月網上簽賬額外5.45%回贈的上限為HK$200，即簽賬HK$3,669.72封頂。 本年網上及海外簽賬可賺取額外5倍「獎賞錢」，可賺取HK$4.17/里或2.4%回贈。 滙豐Red信用卡的4%/2%/1%「獎賞錢」回贈須受條款及細則約束，並且不適用於電子錢包所作之交易。 而充值電子錢包之交易亦不能賺取任何「獎賞錢」。 ... ## 網購卡: 指定通路網購信用卡：最高 22% 現金回饋 #### 網購卡: 美國運通Blue Cash® 信用卡 加上0.4%基本回贈，比起其他信用卡，海外網購變相可獲2.35%回贈。 ... 若以海外貨幣簽賬，除了兌換滙率外，發卡銀行會收取相等於簽賬額0-2.5％的外幣交易手續費；若以港幣簽賬，滙率兌換差額約1.5-4％，而且當中涉及0.4- 1％的跨境交易收費，很難去比較哪一個貨幣方式更抵。 今年此卡更將年薪要求降至HK$96,000，無論你係初出茅蘆的畢業生定工作多年的朋友都容易申請。 此卡於指定網上平台簽賬可享高達3%現金回贈，購物平台（天貓及淘寶），而其他平台則有0.4%回贈，而指定的本地簽賬為1%回贈。 而年薪要求只需HK$100,000，門檻較為低，主婦及學生都可以申請，加上每月指定日期於指定超市簽賬滿指定金額，皆可享92折優惠。 HSBC信用卡本身經常有很多餐廳、酒店折扣。 渣打Simply Cash Visa 卡港幣簽賬1.5%回贈，外幣簽賬2%回贈，而且現金回贈無上限，可以瘋狂消費，買幾多賺幾多。 申請門檻低卻能享受Visa Signature的優惠與服務，有一張旁身就可享不同折扣及回贈優惠。 ### 網購卡: 中銀i-card： 網購 10倍積分換里數HK$1.5/里 不過渣打Simply Cash 網購卡 Visa 卡的現金回贈非自動於月結單扣除，而是在e-banking 換領平台兌換扣除還款額。 ... ## 網購卡: 使用網購信用卡 注意事項 若然消費者 Online Shopping 經常大額消費，找一張回贈無上限的信用卡，較為合適。 網購卡 如渣打Simply Cash Visa卡網上簽賬率1.5%，但回贈卻不設上限。 另一張全能信用卡就是美國運通Blue Cash® 信用卡，網上、本地或外幣簽賬全年都有1.2%回贈，即係網購、超市shopping、買衫都有。 重點是回贈不設上限，無簽賬要求，回贈會於每期月結單度自動以消費回贈方式直接扣除該月卡數。 … 並非所有 Online Shopping都計入回贈範圍，部分高回贈的網購信用卡規定消費者需使用指定感應式付款、在指定商戶網上簽賬或指定日子消費方可獲得回贈。 如恒生MPOWER卡，於淘寶、iTunes、Google Play網購簽賬享5% Cash Dollars回贈。 所以在選擇一張高回贈網購信用卡前，要了解自己 Online shopping 的開支主要集中零售、餐飲、超市、還是娛樂等。 ### 網購卡: 新光 OU 點點卡：5 大網購平台最高享 9.5% 回饋 本年網上簽賬可賺取5%現金回贈，首先需要在7個網上簽賬類別 (外幣簽賬、旅遊商戶、超市、餐飲、娛樂、服飾、慈善捐獻) 網購卡 中選擇其中之一，類似滙豐的「最紅自主獎賞」。 ... #### 網購卡: 網上購物信用卡推介 卡主要注意以銀聯卡進行信用卡網上外幣簽賬不一定最划算，信用卡滙率、現金回贈兌換率、飛行里數兌換率等因素亦要考慮。 憑指定信用卡於網上消費，可享全年網上購物優惠。 憑DBS Compass Visa信用卡，於淘寶或天貓進行網上購物，全年可享3%Compass Dollar 回贈、憑恒生信用卡於Zalora消費可享全年低至8折優惠。 於多間特選商戶消費後申請簽賬分期計劃，可享 3 個月手續費回贈。 現在您可盡享使用滙豐信用卡流動付款的所有優惠。 ### Result 10 2026_03_HSBC Everymile Card - One pager_0325_R1 https://www.hsbc.com.hk/content/dam/hsbc/hk/tc/docs/credit-cards/everymile/everymile-everyday-spend.pdf?vid=018869f45440002aba70a0a2c984000c8003c0c000490_hk Notes: 1. EveryMile Cardholders can earn 2.5% RewardCash rebate for the Designated Everyday & Travel Spend Merchants, and a preferential rate of 1 RewardCash to 20 miles when converting RewardCash to miles or points of frequent flyer or hotel loyalty programmes. Considering both privileges, cardholders can enjoy the mile earn rate of every HK$2 spent = 1 mile. 2. Designated Everyday & Travel Spend Merchants are defined according to the merchant names (except for those marked with*), spending categories, merchant codes and transaction types as defined by VISA International or merchant’s acquiring bank. Only transactions supported by official payment records and made at Designated Everyday Spend Merchants are considered as eligible transactions for the reward. Transactions made at designated merchants via e-wallets are not eligible transactions for the reward. We may add, amend or remove any Designated Everyday Spend Merchants at any time without prior notice. 3. Only transactions made within Hong Kong SAR are considered as eligible transactions for the reward. 4. Transactions (including purchase and/or reload) of fuel cards and Autotoll are not considered as eligible transactions for the reward. ... Tickets or any other product are not eligible transactions for the reward. 6. Excluding transactions made at online ride-hailing platforms. Issued by The Hongkong and Shanghai Banking Corporation Limited Café and Light Meals3 % Arabica APT. Coffee BASAO Tea Blue Bottle Coffee Chun Shui Tang Cupping Room Coffee Roasters Dazzling Café FLIPPER’s Green Common HABITŪ INN – I’m Not Nothing Lady M Mother Pearl NINETYs NOC Pacific Coffee Pret A Manger sensory ZERO Starbucks Coffee Tea WG Salon & Boutique Urban Coffee Roaster EM_einsert/0426/E Cross-border Transportation3 12306 China Railway Eternal East Tours GoByBus.hk Local Transportation3 Public Transport Driving-related4 Esso PetroChina Sinopec Shell TESLA SuperCharger Carparks or Parking spaces* Road Tunnel Toll Plaza* Taxi services*6 5 Travel Services3 AVIS HERTZ Tocoo Car Rental TOYOTA Rent a Car HSBC EveryMile Credit Card 於以下指定日常及旅遊消費商戶1可享每港幣2元簽賬 =1里2： 優惠受條款及細則約束。請按此參閱相關條款及細則。 借定唔借？還得到先好借！ 備註： 1. 指定日常及旅遊消費商戶乃根據VISA國際組織或個別商戶之收單銀行的商戶名稱（特別備註的“*”商戶除外）、簽賬類別、商戶編號或交易類別而釐定。合資格簽賬須於指定商戶進行及附有正式交易紀錄。於指定商戶以電子錢包所作的交易并非是次優惠之合資格交易。本行有權隨時更改 指定商戶名單而無須另行通知。 2. EveryMile信用卡持卡人於指定日常及旅遊消費商戶簽賬可賺取2.5%「獎賞錢」回贈及專享優惠兌換率（以$1「獎賞錢」=20里╱積分兌換飛行常客或酒店獎勵計劃之里數及積分），相等於每港幣2元簽賬 =1里。 3. 有關簽賬須於香港特別行政區進行，方可是為是次優惠之合資格簽賬。 4. 所有油卡及快易通之交易（包括任何購買及╱或充值之交易）均不屬於是次優惠之合資格簽賬。 5. 只適用於拍卡出入閘繳付港鐵車費的交易。不適用於機場快綫車站、輕鐵及港鐵巴士。於港鐵站客務中心或經MTR Mobile以信用卡支付購買多程車票或其他產品並非此優惠之合資格交易。 6. 不適用於網約車平台上的交易。 由香港上海滙豐銀行有限公司刊發 Issued by The Hongkong and Shanghai Banking Corporation Limited EM_einsert/0426/C 咖啡店及輕便美食3 % Arabica APT. Coffee BASAO Tea Blue Bottle Coffee 春水堂 Cupping Room Coffee Roasters Dazzling Café FLIPPER’s Green Common Café Habitu INN – I’m Not Nothing Lady M 圓貝 NINETYs NOC 太平洋咖啡 Pret A Manger sensory ZERO 星巴克咖啡 Tea WG Salon & Boutique Urban Coffee Roaster 中國鐵路12306 永東旅行社 GO巴出行 本地交通出行3 跨境交通3 公共交通工具 駕駛相關消費4 埃索 中國石油 中石化 蜆殼 TESLA SuperCharger 停車場及泊車位* 行車隧道收費站* 旅遊服務3 AVIS 赫茲 Tocoo租車 豐田租車 的士服務*6 5 滙豐EveryMile信用卡
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