Updated March 2026

🏆 Credit Card Rankings

Auto-calculated from official terms, updated daily.Find the best credit card for every spending category!

Ranking Info:Rankings are based on rebate percentage, before FX fee deduction. Actual rebates may vary due to spending caps and minimum spend requirements.Terms

🍽️ Dining Top 5

Restaurants, eateries, food delivery

1
建行(亞洲) eye 信用卡
建行(亞洲) eye 信用卡
Cap $4,444Min. spend$300Monthly min.$5,000
9.4%
2
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,670Monthly min.$3,800
6%
3
AEON Visa 信用卡 (Purple)
AEON Visa 信用卡 (Purple)Visa · Mastercard · 銀聯 · JCB
Cap $1,923
6%
4
Hang Seng Travel+
Hang Seng Travel+
Cap $10,870Monthly min.$6,000
5%
5
東亞 World Mastercard
東亞 World Mastercard
Cap $10,000Monthly min.$4,000
5%
🏆
🍽️ Dining
3/2026 · Top 10
1
建行(亞洲) eye 信用卡
建行(亞洲) eye 信用卡
Cap $4,444
9.4%
2
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,670
6%
3
AEON Visa 信用卡 (Purple)
AEON Visa 信用卡 (Purple)(Visa·Mastercard·銀聯·JCB)
Cap $1,923
6%
4
Hang Seng Travel+
Hang Seng Travel+
Cap $10,870
5%
5
東亞 World Mastercard
東亞 World Mastercard
Cap $10,000
5%
6
DBS Eminent Card
DBS Eminent Card
Cap $8,000
5%
7
BOC Cheers Visa Infinite
BOC Cheers Visa Infinite(Visa·Visa)
Cap $10,000
4%
8
HSBC Visa Signature
HSBC Visa Signature
Cap $100,000
3.6%
9
Citi Cash Back Card
Citi Cash Back Card
3%
10
SC Cathay Mastercard
SC Cathay Mastercard(Mastercard·Mastercard·Mastercard)
2.5%
pickcardrebate.com
3/12/2026 更新 (HKT)

🛒 HKD Online Shopping Top 5

HKTVmall, PARKnSHOP online & more (note CBF)

1
富邦 iN VISA 白金卡
富邦 iN VISA 白金卡
Cap $3,290Monthly min.$1,000CBF 1%
8%
2
sim Credit Card
sim Credit Card
Cap $2,500Min. spend$500Monthly min.$1,000CBF 1.95%
8%
3
DBS Live Fresh
DBS Live Fresh
Cap $4,000Min. spend$300CBF 1%
6%
4
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,670Monthly min.$3,800CBF 1%
6%
5
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571CBF 1%
6%
🏆
🛒 HKD Online Shopping
3/2026 · Top 10
1
富邦 iN VISA 白金卡
富邦 iN VISA 白金卡
Cap $3,290
8%
After CBF: 7.00%
2
sim Credit Card
sim Credit Card
Cap $2,500
8%
After CBF: 6.05%
3
DBS Live Fresh
DBS Live Fresh
Cap $4,000
6%
After CBF: 5.00%
4
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,670
6%
After CBF: 5.00%
5
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
After CBF: 5.00%
6
Amex Explorer
Amex Explorer
5%
7
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870
5%
After CBF: 4.00%
8
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $10,000
5%
After CBF: 4.00%
9
BOC Chill World Mastercard
BOC Chill World Mastercard(Mastercard·Mastercard)
Cap $3,260
5%
After CBF: 4.05%
10
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000
4.4%
After CBF: 3.40%
pickcardrebate.com
3/12/2026 更新 (HKT)

💻 Foreign Online Shopping Top 5

Amazon, iHerb & foreign currency online

1
建行(亞洲) TRAVO Mastercard
建行(亞洲) TRAVO Mastercard
Selected merchantsCap $1,000
13.05%
15% - 1.95%Fee
2
Amex Explorer
Amex Explorer
Cap $10,000
8.75%
10.75% - 2%Fee
3
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95%Fee
4
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95%Fee
5
sim World Mastercard
sim World Mastercard
Cap $2,500Monthly min.$1,000
6.05%
8% - 1.95%Fee
🏆
💻 Foreign Online Shopping
3/2026 · Top 10
1
建行(亞洲) TRAVO Mastercard
建行(亞洲) TRAVO Mastercard
Cap $1,000
13.05%
15% - 1.95% fee
2
Amex Explorer
Amex Explorer
Cap $10,000
8.75%
10.75% - 2% fee
3
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95% fee
4
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95% fee
5
sim World Mastercard
sim World Mastercard
Cap $2,500
6.05%
8% - 1.95% fee
6
Hang Seng Travel+
Hang Seng Travel+
Cap $7,576
5.05%
7% - 1.95% fee
7
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)
Cap $1,667
5.00%
6% - 1% fee
8
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
4.05%
6% - 1.95% fee
9
HSBC EveryMile
HSBC EveryMile
Cap $36,667
4.05%
6% - 1.95% fee
10
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $8,929
4.05%
6% - 1.95% fee
pickcardrebate.com
3/12/2026 更新 (HKT)

🛒 Supermarket Top 5

PARKnSHOP, Wellcome, HKTVmall & more

1
DBS COMPASS VISA
DBS COMPASS VISA
Cap $2,000Min. spend$300
8%
2
HSBC Visa Signature
HSBC Visa Signature
Cap $100,000
3.6%
3
HSBC Easy Card
HSBC Easy Card
Cap $100,000
2.4%
4
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $100,000
2.4%
5
HSBC Premier Mastercard
HSBC Premier Mastercard
Cap $100,000
2.4%
🏆
🛒 Supermarket
3/2026 · Top 6
1
DBS COMPASS VISA
DBS COMPASS VISA
Cap $2,000
8%
2
HSBC Visa Signature
HSBC Visa Signature
Cap $100,000
3.6%
3
HSBC Easy Card
HSBC Easy Card
Cap $100,000
2.4%
4
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $100,000
2.4%
5
HSBC Premier Mastercard
HSBC Premier Mastercard
Cap $100,000
2.4%
6
滙豐滙財金卡 - 學生卡
滙豐滙財金卡 - 學生卡
Cap $25,000
2.4%
pickcardrebate.com
3/12/2026 更新 (HKT)

✈️ Travel Top 5

Flights, hotels, travel platforms

1
Amex Explorer
Amex Explorer
Cap $10,000
10.75%
2
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $3,333Monthly min.$2,000
6.4%
3
DBS Live Fresh
DBS Live Fresh
Cap $4,000Min. spend$300
5.4%
4
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa
Cap $5,556Monthly min.$1,500
4%
5
DBS Black World Mastercard
DBS Black World Mastercard
No limit
2.5%
🏆
✈️ Travel
3/2026 · Top 8
1
Amex Explorer
Amex Explorer
Cap $10,000
10.75%
2
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $3,333
6.4%
3
DBS Live Fresh
DBS Live Fresh
Cap $4,000
5.4%
4
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa)
Cap $5,556
4%
5
DBS Black World Mastercard
DBS Black World Mastercard
2.5%
6
Citi Prestige Card
Citi Prestige Card
2.5%
7
Citi PremierMiles
Citi PremierMiles
2.25%
8
Citi Cash Back Card
Citi Cash Back Card
2%
pickcardrebate.com
3/12/2026 更新 (HKT)

✈️ Overseas Top 5

In-store foreign currency spending

1
建行(亞洲) TRAVO Mastercard
建行(亞洲) TRAVO Mastercard
Selected merchantsCap $1,000
13.05%
15% - 1.95%Fee
2
Amex Explorer
Amex Explorer
Cap $10,000
8.75%
10.75% - 2%Fee
3
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95%Fee
4
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95%Fee
5
sim World Mastercard
sim World Mastercard
Cap $2,500Monthly min.$1,000
6.05%
8% - 1.95%Fee
🏆
✈️ Overseas
3/2026 · Top 10
1
建行(亞洲) TRAVO Mastercard
建行(亞洲) TRAVO Mastercard
Cap $1,000
13.05%
15% - 1.95% fee
2
Amex Explorer
Amex Explorer
Cap $10,000
8.75%
10.75% - 2% fee
3
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95% fee
4
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95% fee
5
sim World Mastercard
sim World Mastercard
Cap $2,500
6.05%
8% - 1.95% fee
6
Hang Seng Travel+
Hang Seng Travel+
Cap $7,576
5.05%
7% - 1.95% fee
7
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)
Cap $1,667
5.00%
6% - 1% fee
8
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
4.05%
6% - 1.95% fee
9
HSBC EveryMile
HSBC EveryMile
Cap $36,667
4.05%
6% - 1.95% fee
10
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $8,929
4.05%
6% - 1.95% fee
pickcardrebate.com
3/12/2026 更新 (HKT)

📱 Mobile Payment Top 5

Apple Pay, Google Pay

1
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667Monthly min.$500
15%
2
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
3
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000Monthly min.$3,000
5%
4
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000Monthly min.$2,000
4.4%
5
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa
Cap $5,556Monthly min.$1,500
4%
🏆
📱 Mobile Payment
3/2026 · Top 10
1
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667
15%
2
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
3
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000
5%
4
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000
4.4%
5
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa)
Cap $5,556
4%
6
中銀 Go 銀聯鑽石卡
中銀 Go 銀聯鑽石卡(銀聯·銀聯)
Cap $2,500
4%
7
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡
Cap $80,000
2%
8
建行(亞洲) eye 信用卡
建行(亞洲) eye 信用卡
Cap $75,000
2%
9
Citi Rewards Card
Citi Rewards Card
Cap $11,340,000
1%
10
Citi Rewards 銀聯信用卡
Citi Rewards 銀聯信用卡
Cap $11,340,000
1%
pickcardrebate.com
3/12/2026 更新 (HKT)

🐙 Octopus Top-up Top 5

Octopus auto top-up, Apple Pay manual top-up

1
SC Cathay Mastercard
SC Cathay Mastercard
No limit
1.67%
2
SC Simply Cash Visa
SC Simply Cash Visa
No limit
1.5%
3
Citi Cash Back Card
Citi Cash Back Card
No limit
1%
4
SC Smart Card
SC Smart Card
Monthly min.$4,000
0.56%
5
Hang Seng enJoy Card
Hang Seng enJoy Card
No limit
0.5%
🏆
🐙 Octopus Top-up
3/2026 · Top 10
1
SC Cathay Mastercard
SC Cathay Mastercard
1.67%
2
SC Simply Cash Visa
SC Simply Cash Visa
1.5%
3
Citi Cash Back Card
Citi Cash Back Card
1%
4
SC Smart Card
SC Smart Card
0.56%
5
Hang Seng enJoy Card
Hang Seng enJoy Card
0.5%
6
Citi 八達通白金卡
Citi 八達通白金卡
0.5%
7
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
0.5%
8
HSBC Red Credit Card
HSBC Red Credit Card
0.4%
9
BOC Chill Platinum Mastercard
BOC Chill Platinum Mastercard(Mastercard·Mastercard)
0.4%
10
Hang Seng MMPOWER
Hang Seng MMPOWER
0.4%
pickcardrebate.com
3/12/2026 更新 (HKT)

✈️ Miles Top 5

Asia Miles, Avios miles cards

1
Amex Explorer
Amex Explorer
積分換里數Cap $10,000
$1.68/mile
5.95% Rebate
2
SC Cathay Mastercard
SC Cathay MastercardMastercard · Mastercard · Mastercard
Asia MilesSelected merchants
$2.00/mile
5.00% Rebate
3
Citi PremierMiles
Citi PremierMiles
積分換里數
$4.00/mile
2.50% Rebate
4
Citi Prestige Card
Citi Prestige Card
積分換里數
$4.00/mile
2.50% Rebate
5
大新英國航空白金卡
大新英國航空白金卡
Avios
$5.99/mile
1.67% Rebate
🏆
✈️ Miles
3/2026 · Top 10
1
Amex Explorer
Amex Explorer
Cap $10,000
$1.7/mile
2
SC Cathay Mastercard
SC Cathay Mastercard(Mastercard·Mastercard·Mastercard)
$2.0/mile
3
Citi PremierMiles
Citi PremierMiles
$4.0/mile
4
Citi Prestige Card
Citi Prestige Card
$4.0/mile
5
大新英國航空白金卡
大新英國航空白金卡
$6.0/mile
6
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
$10.0/mile
7
富邦白金卡
富邦白金卡
$12.5/mile
8
BEA 銀聯雙幣鑽石信用卡
BEA 銀聯雙幣鑽石信用卡
$12.5/mile
9
美國運通白金卡
美國運通白金卡
$14.9/mile
10
美國運通商務金卡
美國運通商務金卡
Cap $300,000
$15.2/mile
pickcardrebate.com
3/12/2026 更新 (HKT)

💳 All Round Top 5

Base rebate, no-fuss spending

1
Amex Explorer
Amex Explorer
No limit
3%
2
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡
Cap $80,000
2%
3
大新英國航空白金卡
大新英國航空白金卡
No limit
1.67%
4
SC Cathay Mastercard
SC Cathay MastercardMastercard · Mastercard · Mastercard
No limit
1.67%
5
中信銀行(國際)香港航空Mastercard®卡
中信銀行(國際)香港航空Mastercard®卡
No limit
1.67%
🏆
💳 All Round
3/2026 · Top 10
1
Amex Explorer
Amex Explorer
3%
2
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡
Cap $80,000
2%
3
大新英國航空白金卡
大新英國航空白金卡
1.67%
4
SC Cathay Mastercard
SC Cathay Mastercard(Mastercard·Mastercard·Mastercard)
1.67%
5
中信銀行(國際)香港航空Mastercard®卡
中信銀行(國際)香港航空Mastercard®卡
1.67%
6
Citi Prestige Card
Citi Prestige Card
1.67%
7
DBS Black World Mastercard
DBS Black World Mastercard
1.6%
8
ICBC 宇宙星座 Visa Signature
ICBC 宇宙星座 Visa Signature
1.5%
9
SC Simply Cash Visa
SC Simply Cash Visa
1.5%
10
大新 ANA World 萬事達卡
大新 ANA World 萬事達卡
1.25%
pickcardrebate.com
3/12/2026 更新 (HKT)

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