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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.

Technical capture of retrieved pages, not an AI answer. Original formatting is retained here.

# 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

Technical capture of retrieved pages, not an AI answer. Original formatting is retained here.

# Search Results: 香港居民每年去日本旅行兩三次，想比較海外簽賬手續費和回贈，有哪些發卡銀行值得考慮？ in Hong Kong?

Found 10 results.

### Result 1
Hong Kong Overseas spending Offers & Card Discounts · Page 1 of 10 | Discount Map
https://discount-map.com/en/promotion/overseas-spending/spend-1000/

0101/Overseas spending**東亞銀行銀聯雙幣鑽石卡海外或網上外幣簽賬享4%回贈** **4%** saving
...
### 東亞銀行銀聯雙幣鑽石卡海外或網上外幣簽賬享4%回贈
**4%** saving
Cashback
...
- 適用信用卡：東亞銀行銀聯雙幣鑽石卡。
- 海外或網上外幣簽賬享4%回贈。
...
BEA UnionPay Dual Currency Diamond Credit Card
0202/Overseas spending**AEON JCB 日本日元簽賬高達15%積分回贈** **Up to 15%** reward
02/Overseas spending
...
0303/Overseas spending**外幣或海外簽賬高達6%回贈** **Up to 6%** saving
...
- Eligibility: Audience: all · Customer status: existing
- Eligible spending: Applies to: 海外簽賬 · Type: category
- Requirements: Period spend ≥: HK$10,000.00
- Benefit limit: Amount: 500 · Applies to: 四類指定簽賬的額外現金回贈合計 · Currency: HKD · Period: per month · Type: limited · Unit: currency
...
Dah Sing Vip Banking Visa Infinite Card
0707/Overseas spending**狂賞飛外地簽賬高達8%回贈** **Up to 8%** rate
...
0808/Overseas spending**WeLab Global Wallet 扣賬卡海外簽賬：免1.95%外幣交易手續費** **1.95%** saving
08/Overseas spending
Overseas spending
...
Eligible credit-card issuer
Dah Sing Bank
1313/Overseas spending**AEON CARD WAKUWAKU 日本簽賬高達 6% WAKU COIN 回贈** **Up to 6%** reward
...
### AEON銀聯卡外幣及海外簽賬最高6%回贈
Up to**6%** saving
Cashback
...
- 適用卡片：AEON銀聯卡。摘要亦稱網上簽賬可賺取回贈，但未列明其回贈率。
1515/Overseas spending**建行（亞洲）TRAVO Mastercard海外簽賬高達4%現金回贈** **Up to 4%** saving
15/Overseas spending
...
### 建行（亞洲）TRAVO Mastercard海外簽賬高達4%現金回贈
Up to**4%** saving
Cashback
...
### 大新信用卡海外簽賬 3% 現金回贈
**3%** saving
Conditions applyCashbackPeriod LimitedMinimum spending: HK$300.00Cap: HK$300.00 · promotion total
...
來源列明海外簽賬可享3%回贈；每階段上限HK$300，全期上限HK$600。
...
- 須於適用階段成功登記；由成功登記階段起計，每階段合資格簽賬須滿HK$6,000。
...
Eligible credit-card issuer
Dah Sing Bank
1919/Overseas spending**日本日元簽賬高達15%積分回贈** **Up to 15%** reward
19/Overseas spending
...
- 適用AEON JCB信用卡。
- 限時加碼；日本實體店或日本網站以日元簽賬，可享高達15%回贈。
...
- 全年總回贈最高2.4%。基本獎賞為每HK$250合資格簽賬得HK$1；6X包括基本1X及此推廣額外5X。額外5X可分配於五大簽賬類別。來源例子列明每HK$1,000簽賬的基本1X為HK$4、額外5X為HK$20，合共HK$24。
...
Eligible credit-card issuer
HSBC
...
3434/Overseas spending**中銀Go卡「狂賞飛」海外實體簽賬：高達5%現金回贈** **Up to 5%** saving
...
- 須於推廣期內以合資格信用卡，在香港及中國內地以外的海外實體店作零售簽賬，以外幣交易及付款。沒有單筆最低簽賬額。合資格交易按簽賬誌賬金額計算；以港幣或人民幣支付的海外簽賬不合資格，以信用卡月結單所列簽賬貨幣為準。
...
以交易日期計算合資格簽賬。每個曆月的合資格交易須於翌月 7 日或之前成功誌賬。外幣交易費用獲全數現金回贈，回贈金額按推廣期內合資格交易折算港幣後的誌賬金額總額之 1% 計算，四捨五入至最接近整數，且不設回贈金額上限。

### Result 2
港人外遊熱潮下信用卡優惠掀戰各行推高達10%回贈專家提醒慎防 ...
https://www.stockfisher.com.hk/news/77f44092-b9b7-4bae-b268-28a32b2973b3

```
隨著本港與國際恢復往來，港人外遊熱潮持續不退。信用卡因其便捷性及提供豐厚回贈或裏數獎賞，成為不少旅客的首選支付工具。市場上各大銀行及發卡機構紛紛推出多元化的海外簽賬優惠，部分現金回贈最高可達10%。
然而，消費者在享受優惠之餘，亦需留意海外簽賬潛藏的手續費及動態貨幣轉換（DCC）等費用，以免實際回贈大打折扣。
一般而言，透過Visa及Mastercard信用卡進行海外簽賬，持卡人需支付約1.95%的手續費；美國運通(AE)的手續費則為2%。
相較之下，大部分銀聯信用卡豁免相關費用，或僅收取最高1%。因此，在計算實際回贈時，這些交易費用是不可忽略的因素。
此外，消費者在使用信用卡進行海外消費時，應特別留意動態貨幣轉換（DCC）服務。
部分商户會提供DCC選項，允許消費者選擇以港元或當地外幣結算。然而，業界指出，DCC所採用的匯率通常會包含溢價，並可能涉及更多隱藏費用，一般介乎交易金額的4%至7%，且匯率及費用由商户或其合作的金融服務機構釐定。
據消費者委員會《選擇月刋》曾舉例，若以27500日圓簽賬，連同1.95%外幣交易收費，最終港元結算約1401元；但若選擇DCC以港元結算，加上1%跨境港元交易收費，最終交易金額將增至約1455元，兩者相差接近4%。
消委會提醒，為方便預計支出或即時鎖定匯率而選擇DCC，在未充分了解其實際操作下，最終可能導致交易費用增加。
為吸引外遊客户，多間銀行推出各具特色的信用卡優惠： 富邦銀行表示，其Visa Infinite卡及Ambassador Banking Visa白金卡，若以新台幣簽賬，可獲最多20倍積分，等值於高達10%的現金回贈。
此優惠包括信用卡積分計劃的非港元簽賬5倍積分，以及海外簽賬獎賞計劃的新台幣簽賬15倍積分，每月最多可獲12萬積分，整個有效期內最高可獲48萬積分。
該行其他信用卡亦可享等值8%的回贈。若於日本及南韓簽賬，可獲最多10倍積分，即分別相等於5%及4%現金回贈；其他非香港地區簽賬則可獲最多5倍積分，即分別相等於2.5%及2%現金回贈。
sim World Mastercard海外簽賬收取1.95%手續費。持卡人累積合資格非網上零售簽賬滿1000元，其合資格海外零售簽賬可享最多8%現金回贈，每張合資格信用卡每月合共現金回贈上限為200元，整個優惠期最多合共可獲1000元現金回贈。
恆生銀行Travel+ Visa Signature信用卡於日本、南韓、泰國、內地、澳門及台灣簽賬，可獲最多7%回贈及FUN Dollars。由於該信用卡以非港元為交易貨幣時，每筆交易費用為1.95%，扣除手續費後，實際可賺5.05%回贈。
該優惠需成功登記並每月累積合資格消費滿6000元，每月回贈合共最多500元及FUN Dollars。於其他國家或地區的合資格外幣簽賬則回贈最多5%，每月回贈合共最多500元及FUN Dollars。
中銀香港(02388)的Chill World Mastercard海外簽賬可獲最多5%現金回贈，當中包括「簽賬得FUN」的1元相等於1分（相等於0.4%現金回贈），以及額外4.6%現金回贈。
而Chill Platinum Mastercard則提供更高優惠，於每個曆月內於本地或海外實體商户以實體卡或手機支付累積合資格交易滿1000元後，該曆月內之指定Chill商户簽賬可獲最多8%現金回贈。
滙豐Travel Guru會員若晉升至GURU級旅人（第三級），以外幣簽賬可獲額外6%「獎賞錢」，惟需累積7萬港元或以上等值外幣簽賬，以及合資格機票、郵輪或酒店交易次數達6次。
滙豐信用卡持有人於內地簽賬滿1200元或以上，可獲最多5%「獎賞錢」回贈，合共最多600元獎賞錢。
該行亦鼓勵客户登記「最紅自主獎賞」，將倍數集中於「賞世界」簽賬類別，全年可獲高達2.4%「獎賞錢」回贈，額外獎賞適用於首10萬元合資格簽賬，最多可額外獲2000元「獎賞錢」。
東亞銀行(00023)顯卓理財World Mastercard卡在指定類別簽賬，包括海外購物、飲食等，可獲高達12.5倍獎分，相等於5%回贈。推廣期內每個曆月額外獎賞獎分上限為11.5萬，每月需累積基本獎賞合資格交易達4000元。
需留意在香港以外地區以港元簽賬或非香港登記的商户所進行之港元交易，將收取簽賬額1%的費用。
美國運通(AE)Explorer信用卡已登記卡户，每等值1元合資格外幣簽賬，以及於航空公司或指定網上旅遊商户每等值1元合資格港幣簽賬，可獲高達10.75積分，即外幣簽賬低至1.68元=1裏。
Explorer信用卡基本卡會員成功登記外幣及旅遊簽賬優惠後，每等值1元合資格外幣簽賬及航空公司或指定旅遊網站港幣簽賬，可獲最多0.75倍及/或7倍額外積分。
渣打銀行Smart信用卡於海外簽賬及外幣交易可豁免1.95%手續費，並提供最高達1.2%的現金回贈。數字銀行Mox則表示，任何本地及外地簽賬可以低至4元=1裏，另任何旅行及海外網站消費可豁免外幣交易手續費。
綜合而言，各銀行為迎合外遊需求，均推出多項具競爭力的海外簽賬優惠。投資者及消費者在外遊前，應仔細比較各信用卡的條款、手續費、回贈機制及適用範圍，審慎選擇最符合個人消費模式的產品，方能真正享受簽賬帶來的便利與回贈。
```

### Result 3
AEON 信貸財務推出AEON JCB信用卡《賞瀛.「日」常有賞》尊享優惠
https://www.aeon.com.hk/tc/pdf/corporate-info/latest_news/20250811_AEONCreditServiceLaunchesExclusiveOffers_for_AEONJCBCreditCard_TC.pdf

AEON 信貸財務推出AEON JCB 信用卡《賞瀛．「日」常有賞》尊享優惠 
日本AEON 簽賬高達10%回贈  日元消費免外幣交易手續費   永久免年費
AEON 信貸財務（亞洲）有限公司（「AEON 信貸財務」；聯交所股票代號：00900）宣布推出AEON 
JCB 信用卡《賞瀛．「日」常有賞》推廣活動1，為一眾日本愛好者提供源源不絕的精彩日本消費優
惠。由即日起至2026 年2 月28 日，AEON JCB 信用卡客戶，只需於「AEON 香港」手機App 登
記一次，即可盡享多項回贈獎賞，詳情如下： 
日元交易免外幣手續費
AEON JCB 信用卡客戶無論出遊日本或留港於日本網站購物時以日元簽賬，均免外幣簽賬手續費。
首折算為港幣$6,000 之日元簽賬（以誌賬於月結單上之金額計算），即於日本當地簽賬或網上交易，
所收取之外幣交易手續費（包括AEON 及JCB International (Asia) Ltd.所徵收之費用）均全數回
贈，高達1.95%。
於日本AEON 簽賬高達10%回贈 
於指定的日本AEON 及AEON STYLE 簽賬（只限日本當地簽賬，各適用分店地址請見此連結
（只提供英文版）），可享25X 積分（包括1X 基本獎賞及24X 額外獎賞），每月上限可享50,000
積分額外獎賞，相當於高達港幣$200 或10%回贈。除回贈外，現時更可領取日本AEON 95 折優
惠券，於指定門市出示該優惠券，即可自動享有5%折扣。
...
除了以上推廣，AEON JCB 信用卡客戶亦可享不同的人氣優惠，包括：機場貴賓休息室服務、
Agoda 全球訂房可享高達12%折扣優惠、於指定機場免稅店簽賬可獲高達2,000 日元現金回贈、
日本當地簽賬享高達8,888 日元現金回贈，以及於香港國際機場星巴克分店購買飲品或食品滿港
幣$90 或以上即減港幣$45 等。更多精彩優惠即將推出，敬請期待！
...
今年初，AEON JCB 信用卡推出全新設計，採用淡紫色為主調，特別強調日系和風感，亦是全港第
一及唯一的雙面直向式JCB 信用卡，以配合日益普及的非接觸式的支付需求，為客戶提供更順暢
的支付體驗。現凡申請AEON JCB 信用卡，新客戶可享迎新優惠高達港幣$600 回贈4，並永久豁
免年費，盡享多重專屬禮遇！

### Result 4
AEON 信用卡「第二輪日本旅遊簽賬賞」推廣活動（「此 ...
https://www.aeon.com.hk/tc/pdf/privilege/Terms_Conditions-The2ndRound_of_Japan_Travel_Spending_Promotion_tc.pdf

1. 推廣及登記期由2023 年1 月1 日至2 月10 日（包括首尾兩日）（「推廣期」）。
2. 合資格AEON 信用卡泛指由AEON 信貸財務（亞洲）有限公司（「AEON」）所發行之信用卡及其聯營信
用卡。
3. <禮遇1﹕日本簽賬額外獎賞>持卡人須於推廣期內登入「AEON 香港」手機應用程式，以合資格卡成功登記
參加「第二輪日本旅遊簽賬賞」並憑已登記之合資格卡於日本所作之任何消費交易（不包括網上交易），以
享下列獎賞﹕ 
銀聯 
Visa、萬事達及JCB 
本推廣可獲贈 
AEON Card 
Premium 
20X 積分獎賞 
（=8%現金回贈） 
15X 積分獎賞
（=6%現金回贈） 
最多額外 
50,000 
AEON 
積分獎賞 
AEON Card 
Purple^ + 
AEON 聯營信用卡 
15X 積分獎賞 
（=6%現金回贈） 
10X 積分獎賞
（=4%現金回贈） 
AEON Card JAL 
HK$2 = 1 日航里數 
最多額外 
2,500 
日航里數 
AEON CARD 
WAKUWAKU 
3%現金回贈 
(有關AEON CARD WAKUWAKU 之現金回贈，
客戶無需預先登記，有關詳情請按此) 
^AEON Card Purple 指AEON Visa 信用卡、AEON 萬事達信用卡、AEON JCB 信用卡及AEON 銀聯信用卡。
• 
已登記參加「第一輪日本旅遊簽賬賞」的客戶可享自動登記本「第二輪日本旅遊簽賬賞」推廣活動，無須再
次登記。
• 
AEON 及銀聯國際將不會收取任何外幣交易之費用。Mastercard Asia/Pacific (Hong Kong) Limited / Visa 
Worldwide.
Pte.
Limited /JCB International (Asia) Limited 將徵收1%費用。
4. <禮遇2﹕日本現金預支>合資格卡持卡人於推廣期內在日本透過櫃員機成功預支現金（以單一交易計算），
可獲預支現金手續費回贈，每張合資格卡於整個推廣期之現金回贈上限為HK$1,000。
5. 現金預支之金額並不能超逾信用卡之尚餘可用限額，現金預支之利息將由交易日起計算，直至清繳有關賬項
為止。個別信用卡現金預支之實際年利率或有不同，詳情請參閱https://www.aeon.com.hk/tc/useful-info/fee-schedule.html
...
7. <禮遇3﹕旅遊保險保費低至6 折優惠> 
...
8. 合資格日本簽賬之定義為於推廣期內以合資格卡在日本所作的購物簽賬及信用卡購物分期之簽賬（總金額）
（「合資格日本簽賬」），外幣付款之簽賬金額以簽賬貨幣之金額折算為港幣並已誌賬於信用卡月結單上的
港幣金額爲準，本推廣只適用於日本簽賬，不包括網上交易。AEON 將根據Visa Worldwide.
Pte.
Limited /
Mastercard Asia/Pacific (Hong Kong) Limited / JCB International (Asia) Limited / 銀聯國際有限公司界定
及商戶收單機構之商戶編號或簽賬釐定簽賬商戶是否界定為日本簽賬。
9. 不合資格簽賬包括現金預支（不適用於禮遇2）、現金套現分期（不適用於禮遇2）、透過「AEON 網上客
戶服務」所作的繳費賬項、任何繳費、匯款、八達通自動增值服務、電子錢包增值/轉賬交易（包括但不限於
AlipayHK、TNG 及WeChat Pay HK）、日日週轉之現金預支、手續費、年費、逾期費用、利息/財務費
用、月結單分期計劃、籌碼兌換等賭博交易、未誌賬/取消/退款的交易及任何被發現為欺詐交易或最終被取
消/退款之交易（「不合資格簽賬」）。
10. <禮遇1﹕日本簽賬額外獎賞>積分獎賞/里數回贈及<禮遇2﹕日本現金預支>手續費（以現金回贈方式）將
會誌入相關信用卡賬戶內，並顯示於2023 年3 月2 日到期付款日之月結單上。如登記信用卡賬戶逾期或無
效，積分獎賞/里數回贈/手續費現金回贈將會誌入持卡人之最新啟用信用卡賬戶內。
...
14. AEON 可於下列任何情況下取消此推廣資格：a) 合資格卡之賬項逾期未償還； 或b) 合資格卡之賬戶已終
...
15. AEON 保留更改此推廣活動之條款及細則之最終決定權，而不需另行通知。如有任何爭議，以AEON 之最

### Result 5
暑假外遊消費攻略：精選信用卡高回贈助抵銷外幣手續費
https://www.stockfisher.com.hk/news/d45fde0b-b74f-49c7-a0ce-2b1be903c936

# 暑假外遊消費攻略：精選信用卡高回贈助抵銷外幣手續費
```
隨著暑假旅遊旺季將至，不少港人已計劃外遊，享受異國風情。在全球經濟環境下，精明消費者在海外簽帳時，如何善用信用卡以獲取最高回贈、抵銷外幣交易手續費，甚至賺取額外獎賞，成為市場關注焦點。本港銀行推出的多款信用卡，均具備針對海外消費的優惠，值得旅客仔細比較。
在眾多提供外幣簽帳回贈的信用卡中，富邦Visa白金卡以其分級回贈機制脱穎而出。此卡針對新台幣簽帳提供高達8%的回贈，而在日圓或韓圜簽帳方面則享4%回贈，至於其他外幣簽帳則為2%。鑑於普遍信用卡會收取約1.95%的海外簽帳手續費，富邦Visa白金卡的淨回贈率在扣除手續費後，分別為新台幣的6.05%、日圓/韓圜的2.05%及其他外幣的0.05%。這使其特別適合經常前往台灣公幹或旅遊的人士使用。
另一張受港人歡迎的恆生Travel+ Visa Signature卡，同樣提供高額外幣簽帳獎賞。與富邦Visa白金卡類似，恆生Travel+ Visa Signature卡亦會針對特定外幣提供更優厚的回贈，且涵蓋的熱門旅遊地區貨幣種類更多。該卡就於日本、韓國、泰國、中國內地、澳門及台灣等地的外幣簽帳，提供7%的+FUN Dollars獎賞；而其他外幣簽帳亦可獲5%的+FUN Dollars獎賞。經扣除海外簽帳手續費後，這兩類簽帳的淨回贈率分別為5.05%及3.05%。投資者需留意，此卡的高回贈優惠通常附帶條件，例如持卡人須預先登記「恆生Travel+ Visa Signature卡 +FUN Dollars獎賞計劃」，並於每月累積合資格零售簽帳達6,000元，方可啟動當月的指定地區外幣簽帳7%獎賞。此外，該獎賞計劃涵蓋指定地區外幣簽帳、其他外幣簽帳及本地餐飲簽帳，合共設有每月500元+FUN Dollars的回贈上限。
除了特定外幣回贈外，部分信用卡則聚焦全球食肆及網上簽帳。信銀國際Motion信用卡便是其中一例。該卡於推廣期內，每月累積合資格零售簽帳滿3,800元或以上，可享同月食肆及網上簽帳6%現金回贈，海外食肆簽帳亦包括在內，唯酒店餐飲簽帳除外。這意味著，持卡人無論是在海外餐廳用餐，抑或於外遊前透過旅遊網站訂購機票、火車票及旅遊景點門票，均可享受6%回贈。值得留意的是，該卡更提供迎新禮品選項，包括發卡首三個月內外幣簽帳10%現金回贈，合資格外幣簽帳包括非港元結算的零售簽帳及網上交易，但此迎新優惠設有1,000元的現金回贈上限。
總體而言，市面上信用卡選擇眾多，各具優勢。旅客在規劃暑假行程及海外消費時，應仔細審閲各信用卡的條款及細則，包括最低簽帳要求、回贈上限及不適用範圍等，以確保能充分利用信用卡優惠，抵銷潛在手續費，使旅程更為經濟實惠。
```

### Result 6
Best credit cards in Hong Kong: An overview of credit cards in HK
https://wise.com/hk/blog/credit-cards-in-hong-kong

To help you out, this guide will compare the seven most popular credit cards from different providers in Hong Kong.
...
**Reward programs (travel miles, cashback, or discount)** - it’s common to choose a credit card based on the reward programs alone.
You might prefer to receive the highest cashback, accumulate travel miles, or get discounts at the checkout.
By selecting a card that offers benefits that align with your spending habits, you can earn valuable perks on purchases you would make regardless.
This way, you can get the most out of your credit card rewards program.
**Foreign transaction fees** - when you spend money with a credit card in a foreign currency or shop online with overseas retailers, it will typically incur an additional foreign transaction fee.
## AEON CARD WAKUWAKU
The AEON Card WAKUWAKU is a product from the collaboration of Mastercard and AEON Credit Service, exclusively aimed at those who shop online and frequently travel to Japan.
You can simply apply for the AEON CARD WAKUWAKU through the "AEON HK" app at the convenience of your fingertips.
Here are some eligibility, benefits, and service fees related to the AEON CARD WAKUWAKU:
Eligibility^1^:
- Hong Kong resident aged 18 or above.
Benefits^1^:
- Permanent Annual Fee Waiver.
- Welcome Offer Up to 16% Cash Rebate + 400 HKD Cash Rebate.
- Online Spending: 6% Cash Rebate
- Japan Spending: 3% Cash Rebate
- Local Food and Beverage Spending: 1% Cash Rebate
- Other Spending: 0.5% Cash Rebate
- Birthday Privilege
Service Fees^2^:
- Annual interest rate:
- Credit Purchase: 35.02%
- Cash Advance: 35.86%
- Late payment fees: The lower between the amount of minimum payment due OR 300 HKD.
- Fees relating to Foreign Currency Transaction: 1%.
...
Citi Cash Back Card can be used for your regular purchases in Hong Kong or overseas, anywhere Mastercard is accepted.
...
Service Fees^4^:
- Annual fee: 1,800 HKD
- Interest Rate:
- Retail Purchase: 34.28%
- Cash Advance: 35.81%
- Fees related to foreign currency transaction: 1.95%.
...
The Standard Chartered Cathay Mastercard is one of the best earners for collecting Asia Miles.
You will start with up to 60,000 welcoming Miles.
You will also get the first-year annual fee waiver.
For the following years, an annual fee of 2,000 HKD will be charged.
...
- Hong Kong resident aged 18 or above;
- Annual income of 96,000 HKD or above;
- Existing Cathay Member.
...
- First-year annual fee waiver
- Up to 60,000 Miles for new cardholders.
- 4 HKD = 1 Asia Mile for eligible spending on dining / food delivery platforms, online and overseas spending categories.
...
Service Fees^6^:
- Annual Fee: 2,000 HKD
- Interest Rate:
- Retail Purchase: 35.70%
- Cash Advance: 35.93 %
- Late payment fees: the lower of 5% of outstanding balance ( minimum cap of 220 HKD or maximum cap of 350 HKD) OR the Minimum Payment Due.
- Fees related to settling currencies other than HKD: 1.95%.
- Fees related to settling HKD incurred outside of Hong Kong: 1%.
## Standard Chartered Smart Credit Card
Another impressive product from Standard Chartered is the Smart Credit Card.
If you're constantly travelling overseas or regularly shopping from overseas websites, the Standard Chartered Smart Credit Card is the one for you.
This credit card has no foreign transaction fees, annual fees, or cash advance fees.
Therefore, it's often considered one of the 'best travel credit cards' in Hong Kong.
...
Service Fees^10^:
- Annual fee: 2,000 HKD (Visa Signature) or 1,800 HKD (Visa Platinum)
...
## HSBC Red Credit Card
Suppose you are looking for a credit card from an international bank where you can access services locally and in other countries and territories worldwide.
In that case, HSBC might be your perfect provider.
HSBC offers various banking services, including the HSBC Red Credit Card.
The credit card comes with many attractive cash rebates while spending locally and overseas.
The HSBC Red Credit Card also offers a perpetual annual fee waiver, meaning your yearly fee will be waived perpetually as long as you remain a program member.
...
- An annual income of 120,000 HKD or above.
...
- Perpetual annual fee waiver.
- Earn HSBC Reward+ stamps and receive RewardCash when you spend at McDonald's and various merchants
- 2% RewardCash on Hong Kong supermarket spending
- 4% RewardCash on the first 12,500 HKD online transactions and unlimited 1% RewardCash on subsequent online spending each calendar month.
- 1% RewardCash on other local and overseas spending.
Service Fees^12^:
- Annual interest rate:
- Retail purchase: 35.42%
- Cash advance (include handling + cash advance fees): 35.94%
- On Cash Credit Plan: 34.17%
- Late payment fees: the amount of minimum payment due or 300 HKD, whichever is the lower .
- Fees Relating to Foreign Currency Transaction: 1.95%
## American Express Platinum Card
The American Express Platinum is the most prestigious credit card you can get in Hong Kong.
The American Express Platinum has a high annual fee but huge earning opportunities if you can maximise the benefits and rewards.
For example, as of the research time (January 29, 2024), you can redeem 1,000,000 points as 55,555 miles, enough to redeem round trip tickets to Tokyo or Osaka for two or a round trip ticket to London or Paris^13^.
...
- Online bonus of 100,000 Membership Rewards points upon first transaction made.
...
Service Fees^14^:
- Annual fee: 9,500 HKD
- Annual interest rate:
- Retail purchase: 35.96%
...
- Fees related to settling currencies other than HKD: 2%

### Result 7
Overseas Shopping 2024 Guide in Hong Kong - MoneyHero
https://www.moneyhero.com.hk/en/credit-card/blog/overseas-shopping-guide-in-hong-kong

# Overseas Shopping 2024 Guide in Hong Kong
#### Written by moneyhero
Many credit card issuers on the market offer perks such as extra cashback rewards for foreign transactions.
...
## What is overseas transaction fee?
### Cross-Border Fee
A cross-border fee is incurred when cardholders make purchases at overseas merchants but pay in Hong Kong dollars.
The cross-border fee varies depending on the credit card issuer, usually ranging from 0.8% to 1% of the transaction amount, and is charged during settlement.
...
### Foreign Currency Transaction Fee
A foreign currency transaction fee is a charge imposed by credit card issuers when a transaction is conducted in a currency other than the cardholder’s native currency, usually applied as a percentage of the transaction amount.
The foreign currency transaction fee varies depending on credit card issuer, typically ranging from 1% to 2%.
Visa, Mastercard and JCB credit cards usually charge a 1.95% foreign currency transaction fee.
As for JCB credit cards, the fee varies depending on the issuing bank, ranging from 1% to 1.95%.
American Express credit cards have one of the highest rates, requiring a 2% foreign currency transaction fee.
Nevertheless, there are a wide selection of cards that waive the foreign currency transaction fee.
For instance, most UnionPay cards (including debit and credit cards) do not incur foreign currency transaction fees, with the exception of UnionPay credit cards offered by Hang Seng and HSBC, which currently impose fees of 1.2% and 1% ( except for transactions in RMB and MOP)  respectively.
As a result, when traveling abroad or shopping with foreign currency, many prefer using UnionPay credit cards to avoid the foreign currency transaction fee.
...
## Credit Cards without Overseas Transaction Fees
UnionPay cards are renowned for waiving foreign currency transaction fees, making them one of the most popular options among travelers and shoppers.
...
## Comparison of credit cards without foreign currency transaction fee
|Credit cards without foreign currency transaction fee|Overseas spending rebate|Foreign currency transaction fee|Annual income requirement|
|--|--|--|--|
|EarnMore UnionPay Card|**2%**|**0%** **(Transaction fee waived by UnionPay)**|**HK$150,000 / student**|
|Standard Chartered Smart Credit Card|**0.55%**|**0%** **(Transaction fee waived)**|**HK$96,000**|
...
### PrimeCredit EarnMORE UnionPay Diamond Card
|Japan|- Spend JPY 50,000 or more in a single transaction at Takashimaya Department Store to get an instant JPY 1,000 off.
Click here for details - At Chubu Centrair International Airport and New Chitose Airport, spend JPY 10,000 or more in a single transaction to get an instant JPY 400 discount.
Click here for details - Enjoy an instant JPY 400 discount on a single transaction of JPY 20,000 or more at the designated merchants listed below - Haneda Airport, Narita Airport, and Kansai Airport.
For details, click here - Bicool Appliances, please click here for details - Enjoy an instant JPY 400 discount on a single purchase of JPY 30,000 or more at the designated merchants below - Alexander & Sun Duty-Free Shop, click here for details - LOTTE duty-free shop, details click here|From now until December 31, 2026|
...
## Best Credit Cards for International Transactions
In addition to selecting credit cards that waive overseas transaction fees, another effective strategy to reduce transaction costs is using cards that offer decent cashback or rewards for overseas and/or foreign currency spending.
By choosing a card with high rebates, cardholders can partly or fully offset the potential difference incurred from transaction fees.
This approach not only helps minimise the fees associated with international transactions but also maximises the benefits gained from using credit cards for overseas purchases.
The table below presents a list of selected credit cards renowned for their attractive overseas spending rebates.
|Credit card for foreign currency spending|Overseas spending rebate|Foreign currency transaction fee|Annual income requirement|
|--|--|--|--|
|Selected cashback credit cards for foreign currency spending|Selected cashback credit cards for foreign currency spending|Selected cashback credit cards for foreign currency spending|Selected cashback credit cards for foreign currency spending|
|CNCBI Motion Credit Card|Welcome bonus:10% rebate*；|1.95%|HK$150,000|
|Hang Seng MMPOWER World Mastercard|6% (Must accumulate spending of HK$5,000 within the month)|1.95%|HK$150,000 / student|
|BOC Chill Card|5%(Rebate capped at HK$150/month)|1.95%|HK$150,000|
|HSBC Pulse UnionPay Dual Currency Diamond Credit Card|4.4% or HK$2.27/mile (With Overseas and Mainland China Spending registered as “Red Hot Rewards of Your Choice”)|1%( except for transactions in RMB and MOP)|HK$150,000|
|HSBC Visa Signature Card|3.6% or HK$2.78/mile (With Overseas and Mainland China Spending registered as “Red Hot Rewards of Your Choice”)|1.95%|HK$360,000|
|AEON CARD WAKUWAKU|3% rebate on Japan spending|1%|No annual income requirement|
|Citi Cash Back Card|2%|1.95%|HK$120,000|
|Citi Prestige Card|HK$4/mile|1.95%|HK$600,000|
...
|Citi PremierMiles Card|HK$3/mile|1.95%|HK$120,000|
|Standard Chartered Cathay Mastercard|HK$4/mile|1.95%|HK$96,000|
|BEA World Mastercard|4% or HK$4/mile|1.95%|HK$120,000|
|DBS Black World Mastercard|HK$4/mile|1.95%|HK$240,000|
|HSBC EveryMile Credit Card|2.5% or HK$2/mile|1.95%|HK$240,000|

### Result 8
Best Credit Cards in Hong Kong: Top Picks for 2026 - Air Corporate
https://air-corporate.com/hk/blog/top-credit-cards-in-hong-kong

- Each card has unique rewards programs, including cashback, airline miles, and points redeemable for various benefits.
- Benefits include complimentary travel insurance, reward points, and various discounts.
Some cards offer additional perks like free movie tickets or cashback on certain spending.
...
Consider the credit card's rewards program.
This could include a cash rebate, airline miles, points, travel insurance, or other benefits.
Make sure to understand which are eligible transactions for earning rewards.
Some cards may exclude certain categories or offer bonus points on specific purchases.
Choose a program that aligns with your spending habits and goals.
...
### 1. AEON CARD WAKUWAKU
A collaboration between AEON Credit Service (Asia) Co., Ltd. and Mastercard, the AEON Card WAKUWAKU is designed for frequent online shoppers and travelers to Japan.
With attractive cashback offers and no annual fees, it provides excellent value for Hong Kong residents.
#### To apply, you should:
- Be at least **18 years old**
- Be a **Hong Kong resident**
#### Pros
- Lifetime **waiver of annual fees**
- **Up to 16% cashback** as a welcome offer, plus a **HKD 400 rebate**
- Convenient application via the **AEON HK app**
#### Cons
- **No travel insurance** or additional purchase protection
- Cashback rates vary based on spending categories
...
|Feature|Details|
|--|--|
|Annual Fee|HKD 0 (permanently waived)|
|Annual Percentage Rate (APR)|35.02% for credit purchases, 35.86% for cash advances|
|Late Payment Fee|The lower of the minimum payment due or HKD 300|
|Foreign Currency Transaction Fee|1%|
|Cashback Rewards|6% on online shopping 3% on transactions in Japan 1% on local dining 0.5% on all other spending|
...
### 2. Citi Cash Back Card
The Citi Cash Back Card is a strong choice for those looking to earn maximum cashback on everyday purchases.
Designed for spending in Hong Kong and abroad, it focuses on cashback rewards instead of travel perks like air miles or lounge access.
Unlike many other cards, there is no cap on the cashback you can earn, making it a practical option for frequent spenders.
...
- **Foreign transaction fee of 1.95%** on overseas spending
...
|Feature|Details|
|--|--|
|Cashback Rewards|2% on local dining 2% on hotel stays in Hong Kong 2% on foreign currency spending 1% on all other local transactions|
### 3. Standard Chartered Smart Credit Card
For those who frequently shop on international websites or travel abroad, the Standard Chartered Smart Credit Card is a standout option.
With no fees for foreign transactions, annual membership, or cash advances, it is often recognized as one of Hong Kong's most cost-effective travel credit cards.
...
|Feature|Details|
|--|--|
|Rewards (Airline Miles)|Every HKD 6 spent locally earns 1 airline mile Every HKD 4 spent overseas earns 1 airline mile|
...
DBS's Black World Mastercard is a great choice for those looking for a credit card that offers airline miles without any expiry date.
With every HK$250 spent, all DBS personal credit cardholders (except from COMPASS VISA cardholders) can earn DBS $1, which they can then redeem for cash rebates or other benefits through the Reward Scheme.

### Result 9
Compare HSBC Credit Cards | Apply Online
https://www.hsbc.com.hk/credit-cards/compare/

# Compare credit cards
## Select a card to compare
### Notes
Premier MasterCard
Exclusively for HSBC Premier banking customers.
Delight in an array of extraordinary travel, dining and lifestyle privileges at home and abroad.

### Result 10
EveryMile Credit Card | Miles & Travel Rewards - HSBC HK
https://www.hsbc.com.hk/credit-cards/products/everymile/

# HSBC EveryMile Credit Card
## Earn up to $1,450 RewardCash (or 29,000 miles) for applying for an HSBC EveryMile Credit Card. T&Cs apply.
1. HSBC HK
2. Credit Cards
...
Earn unlimited miles at a rate as low as HKD2 = 1 mile, and enjoy a wide range of complimentary travel perks.
...
### Got any travel expenses to settle from your trip?
Enjoy exclusive 20% off ($1 RewardCash = HKD1.25) when you settle your travel expenses at designated merchants using your RewardCash.
Use the 'Pay with RC' function on the HSBC Reward+ app with your HSBC EveryMile Credit Card now!
T&Cs apply.
...
Earn miles on designated everyday and travel spend at a rate of every HKD2 = 1 mile[@cards-preferentialrate] (selected café and light meals, local transportation, cross-border transportation and travel services[@cards-designatedeverydayspend])—see our full merchant list (PDF)
### Shop and spend towards your next trip
Spend locally and abroad, and earn miles at a rate of every HKD5 = 1 mile to make your next vacation even more memorable.
### Flexible RewardCash conversion[@cards-everymilerewardplus]
Use the Reward+ App to convert your RewardCash at a preferential rate[@cards-preferentialrate] to miles or points across 19 frequent flyer and hotel loyalty programmes, or redeem free tickets from over 110 airlines—the widest flight redemption coverage in Hong Kong.
...
### Travel benefits
- Book designated hotels through Agoda to get year round discounts of up to 15% off.
Plus, get 30% off with monthly flash deals.
T&Cs apply.
- Treat yourself with up to 6 complimentary access to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas, subject to local or overseas spending of HK$4,000 (or equivalent in foreign currencies) within 60 days after each access during the promotion period[@cards-loungelocations].T&Cs apply.
...
## Additional benefits you can enjoy
...
- As low as HKD2 = 1 mile on overseas transactions - limited-time offer
Get 1 mile for as low as every HKD2 you spend, when you make eligible overseas transactions with a total net spending amount of HKD12,000 or above.
...
An annual income of HKD240,000 or above
...
Yes, you will earn $1 RewardCash for every HKD250 you pay towards your bills online using any of the following cards:
- HSBC Premier Credit Card
- HSBC Visa Signature Card
- HSBC EveryMile Credit Card
- HSBC Red Credit Card
- HSBC Visa Platinum Card
- HSBC Pulse UnionPay Dual Currency Diamond Card
You'll be awarded RewardCash only for the first HKD10,000 in eligible online bill payments made using an eligible credit card in each monthly statement cycle.

Technical capture of retrieved pages, not an AI answer. Original formatting is retained here.

# 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