Rebate Hunter HK

Monthly spending

Enter what you spend in a month to see which cards pay you most, and which card to use for what.

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Rebate Hunter HK compares cards on published facts. Rankings never use commissions.

General information, not financial advice. Terms change often, so the bank's own page is the final word.

Deadlines

FX rates

What a foreign purchase costs in HK$ on each card network. Lower is better.

Amount Currency Add the usual 1.95% bank fee

Network rates

Figures are HK$ for the amount shown in the first column.
Mastercard rates are from hkrates.com, an independent site that republishes card network rates (dated 4 Oct 2026). Mastercard's own converter blocked automated requests. hkrates.com does not name its source, but its Visa yen rate matched Visa's own figure exactly, so we treat it as reliable but unconfirmed. Check against Mastercard's currency converter before relying on it.
Your bank usually adds about 1.95% on top of the network rate. Cards in this directory that state no fee: Standard Chartered Smart, BOC Taobao (overseas online and travel), BOC GBA Youth (Mainland and overseas), CCB (Asia) UnionPay Dual Currency, and Mox when you choose its Asia Miles scheme. AEON JCB refunds it on the first HK$6,000 a month of yen spending if you register (to 28 February 2027). Check each card's terms.
Always choose to pay in the local currency. If a shop or ATM offers to charge you in HK$ (dynamic currency conversion), its rate is usually worse than any of these.
Visa's latest rate is from Friday 2 October and UnionPay's file is dated 4 October, so part of the gap between them can be market movement rather than pricing. A network rate below the ECB reference, such as UnionPay on won, comes from that timing difference.
Rates are a snapshot taken when this page was last updated and do not refresh on their own. Networks set a new rate each business day; the rate applied is the one on the day your bank processes the purchase.

How it works

Hong Kong cards pay by merchant and channel: 8% at UNIQLO on one card, 10% on Netflix on another, 7% in Japan on a third. Enter what you spend in each of 23 categories and the estimator ranks the cash rebate cards by what they would pay you each month, after every cap and monthly threshold.

Rates come from each issuer's own pages and terms, read on 4 October 2026. No card has been verified by a person yet. Annual fees are left out of the maths because Hong Kong banks usually waive them on request. Rankings use no commission data.

Each dollar goes to the card that pays most for it until that card's cap is used up, then to the next best card; a card shown twice for one category pays its bonus rate up to its cap and its lower rate on the rest. Change to your total = what a next best card would add, or cost in place of one of your cards. Effective rate = rebate ÷ the spending the card gets. The split is exact; the set of cards comes from a search of the strongest combinations, so a slightly better set can exist. Points are valued at the issuer's cash rate. Welcome offers and annual fees are not counted, and miles cards are not ranked. Limited-time offers that need registration are not in the totals either; each one's figure is what it would add to your list. Pay every card in full each month.

How this was checked

Issuer product pages and programme terms (PDF) were read on 4 October 2026 in a browser for HSBC, Standard Chartered, Citibank, Hang Seng, BOC, DBS, Amex, Mox, BEA, AEON, CCB (Asia), Fubon, CNCBI and Dah Sing.
Merchant lists come from the issuer's own list: BOC Chill merchants, Hang Seng MMPOWER merchants, SC Smart designated merchants, HSBC Red designated merchants.
PrimeCredit's site showed a bot check, which we did not try to get past. EarnMORE and WeWa rates come from PrimeCredit's own terms documents; their fees and income are from comparison sites. sim's site shows no rates, so sim World uses comparison-site data and is not ranked.
Offers that need a promo code, referral link or banking bundle are shown as the issuer states them. We have not applied for any card.

Not covered

Banks with no card read this round: Bank of Communications, ICBC Asia, Wing Lung, Chong Hing, Nanyang Commercial, Public Bank, and the virtual banks other than Mox (ZA, Livi, WeLab, Ant, Airstar, Fusion, PAO).
The size of each purchase. DBS COMPASS pays 3% only on Alipay purchases of HK$300 or more; the estimate assumes your supermarket, restaurant and shopping purchases are that size.
Limited-time offers from banks other than BOC (BOC's are listed under your results), weekly merchant offers, day-of-week deals (DBS COMPASS Wednesdays, Citi HKTVmall Thursdays) and instant discounts. They change often and are not in the estimate.
Bills, insurance, tax and rent. Most cards pay nothing or a reduced rate on them.
Miles are not ranked. Their worth depends on the redemption you choose.

How your cards are worked out

Each card pays in rate bands: a bonus rate up to a cap, then a lower rate, usually the 0.4% basic. A cap on the extra rebate turns into a spending limit that depends on the rate. Hang Seng Travel+ caps the extra at HK$500, so its 7% (6.6% extra) stops at HK$500 ÷ 6.6% = HK$7,576 of spending, and the rest earns 0.4%.
For a given set of cards, each dollar goes to the card that pays the most for it until that card's cap is used up, then to the next best card. The split is solved exactly (a small linear programme), so a cap shared between categories is used where it gains most over your other cards.
Monthly minimums and pick-a-category bonuses are on/off choices. Each card's choices are tried one at a time, and two at a time when two cards' minimums compete for the same spending.
To choose the cards, the strongest sets of each size, one to five cards, are extended by every card that earns something, and then each card in the best set is swapped for each other card while a swap pays more. When no single swap helps, each pair of cards is tried against the best two replacements, because a strong capped card can crowd out two cards that do better together. For the example profiles this matched a full check of every possible two- and three-card set.
Your list is the largest of these sets in which every card adds at least HK$5 a month: take the card away, re-split the spending over the others, and the total must drop by HK$5 or more. The cards are then shown highest effective rate first.
Spending that earns the same on several of your cards, usually the 0.4% basic once every cap is used, is put on the card with the lowest top rate. That keeps the other cards' effective rates from being watered down and does not change the total.
Next best cards shows up to ten more cards that earn at least 2% on the spending they would take: what each would add to your list, or cost in place of one of your cards, and its effective rate on that spending.
Limited-time offers, which need registration and often have a quota, stay out of the ranking. Under your results, each is worked out against your list: the split is solved again with the offer's extra on top of the cards' own rates, its minimums and caps counted across all your cards from that bank and spread over the months left. Moving spending between your cards, and adding or swapping in one card the offer covers, are suggested only when they pay at least HK$5 a month more after what your other cards lose. Offers at named shops are listed when you spend in a matching category.
How you pay is a way of paying, not a kind of spending: Apple Pay at a restaurant is still restaurant spending. A rate that needs a wallet (BOC SOGO's 5% by phone, AEON Purple's 6% instead of 2%, DBS COMPASS's 3% through Alipay) is used only while that wallet is ticked; otherwise the card earns its physical-card rate. The search is then run again with the physical cards only, to show what your wallets add.

Where sources disagreed

Item	Issuer	Comparison sites	We show
Citi Prestige annual fee	HK$3,800	HK$8,800	HK$3,800
Citi PremierMiles welcome offer	20,000 miles or HK$300 (T&C, 2026-07-01 to 2027-02-01)	HK$1,600 cash rebate, code-based	Issuer figures
BOC Chill World income	Not on page	HK$150,000 to HK$300,000	"Not stated"
DBS Live Fresh 5% programme	Extended to 2026-12-31	Ended 2026-06-30	Issuer date
CNCBI Motion welcome offer	Runs to 2026-12-31	Ended 2026-06-30	Issuer date
AEON WAKUWAKU monthly cap	HK$200 extra WAKU COIN	HK$500	HK$200
AEON Purple monthly cap	HK$100 extra per category (Eat, Live, Ride), HK$300 total	HK$300	HK$100 per category
BEA GOAL monthly minimum	HK$2,000 of eligible spend before any extra (T&C)	Not mentioned	HK$2,000
CCB eye 11% dining offer	Ran 2026-07-01 to 2026-09-30	Listed as current	Ended

General rules that apply to most cards

Visa, Mastercard and JCB cards usually add a 1.95% fee on foreign currency spending. A few waive it, such as Standard Chartered Smart and Mox.
Cancel a card within about 12 to 14 months and the bank can charge you the value of the welcome offer. Citi, Hang Seng and Fubon say so in their terms.
Welcome offers need new-customer status, usually no principal card from that bank in the last 6 to 12 months, and a spend target inside 2 or 3 months.
Octopus top-ups, e-wallet payments, bill payments, insurance and tax are excluded from most bonus rates. Check the exclusions in each card's terms.
The HKMA says you may be liable for the cost of a welcome offer if you do not meet its conditions. See the HKMA credit card guide.
Borrow only if you can repay in full. Retail purchase APRs run about 35% a year (Standard Chartered Simply Cash shows 35.70%).