Updated November 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
🏆
11/2026 · Top 10
1
Cap $1,000
10%
2
Cap $3,333
6%
3
Cap $1,786
6%
4
Cap $2,000
5.4%
5
Cap $10,000
5%
6
Cap $10,000
5%
7
Cap $8,000
5%
8
Cap $4,000
5%
9
Cap $4,000
5%
10
Cap $5,000
4.4%
pickcardrebate.com
11/6/2026 更新 (HKT)
🛒 HKD Online Shopping Top 5
HKTVmall, PARKnSHOP online & more (note CBF)
🏆
11/2026 · Top 10
1
Cap $3,289
8%
After CBF: 7.00%
2
Cap $2,500
8%
After CBF: 6.05%
3
Cap $3,571
6%
After CBF: 5.00%
4
Cap $3,333
6%
After CBF: 5.00%
5
Cap $4,000
5.4%
6
Cap $10,000
5%
After CBF: 4.00%
7
Cap $10,000
5%
After CBF: 4.00%
8
Cap $8,000
5%
After CBF: 4.00%
9
Cap $3,260
5%
After CBF: 4.00%
10
Cap $5,000
4.4%
After CBF: 3.40%
pickcardrebate.com
11/6/2026 更新 (HKT)
💻 Foreign Online Shopping Top 5
Amazon, iHerb & foreign currency online
🏆
11/2026 · Top 10
1
Cap $2,000
13.05%
15% - 1.95% fee
2
Cap $2,500
10.00%
10% - 0% fee
3
Cap $8,000
8.05%
10% - 1.95% fee
4
Cap $5,333
6.05%
8% - 1.95% fee
5
Cap $3,289
6.05%
8% - 1.95% fee
6
Cap $2,500
6.05%
8% - 1.95% fee
7
Cap $4,000
4.05%
6% - 1.95% fee
8
Cap $3,571
4.05%
6% - 1.95% fee
9
Cap $3,333
4.05%
6% - 1.95% fee
10
Cap $10,000
3.95%
5.95% - 2% fee
pickcardrebate.com
11/6/2026 更新 (HKT)
🛒 Supermarket Top 5
PARKnSHOP, Wellcome, HKTVmall & more
🏷️ Discount days
Instant discounts, not cashback — not counted in the ranking above.
92折
92折
95折
🏆
11/2026 · Top 10
1
Cap $2,000
15%
2
Cap $3,000
10%
3
Cap $1,000
10%
4
Cap $2,000
8%
5
Cap $1,923
6%
6
Cap $2,000
5.4%
7
Cap $5,000
5%
8
Cap $4,000
5%
9
Cap $2,000
5%
10
Cap $5,000
4%
pickcardrebate.com
11/6/2026 更新 (HKT)
🎫 Flights & Hotels Top 5
Flights, hotels, travel platforms (Klook/Agoda etc.)
🏆
11/2026 · Top 7
1
Cap $3,333
6.4%
2
Cap $4,000
5.4%
3
Cap $5,000
5%
4
Cap $5,000
4%
5
2.78%
6
2.5%
7
2%
pickcardrebate.com
11/6/2026 更新 (HKT)
✈️ Overseas Top 5
In-store foreign currency spending
🏆
11/2026 · Top 10
1
Cap $2,000
13.05%
15% - 1.95% fee
2
Cap $2,500
10.00%
10% - 0% fee
3
Cap $8,000
8.05%
10% - 1.95% fee
4
Cap $3,947
8.00%
8% - 0% fee
5
Cap $36,667
7.65%
9.6% - 1.95% fee
6
Cap $36,667
7.40%
8.4% - 1% fee
7
Cap $5,333
6.05%
8% - 1.95% fee
8
Cap $2,500
6.05%
8% - 1.95% fee
9
Cap $36,667
5.05%
7% - 1.95% fee
10
Cap $7,143
5.05%
7% - 1.95% fee
pickcardrebate.com
11/6/2026 更新 (HKT)
🇨🇳 Mainland China Top 5
In-store CNY spending in Mainland China
🏆
11/2026 · Top 10
1
Cap $2,500
10.00%
10% - 0% fee
2
Cap $3,947
8.00%
8% - 0% fee
3
Cap $36,667
7.65%
9.6% - 1.95% fee
4
Cap $36,667
7.40%
8.4% - 1% fee
5
Cap $2,500
6.05%
8% - 1.95% fee
6
Cap $36,667
5.05%
7% - 1.95% fee
7
Cap $7,143
5.05%
7% - 1.95% fee
8
Cap $10,000
3.95%
5.95% - 2% fee
9
Cap $11,111
3.80%
4.8% - 1% fee
10
3.05%
5% - 1.95% fee
pickcardrebate.com
11/6/2026 更新 (HKT)
🗾 Japan Top 5
In-store JPY spending in Japan
🏆
11/2026 · Top 10
1
Cap $2,000
13.05%
15% - 1.95% fee
2
Cap $36,667
7.65%
9.6% - 1.95% fee
3
Cap $36,667
7.40%
8.4% - 1% fee
4
Cap $2,500
6.05%
8% - 1.95% fee
5
Cap $36,667
5.05%
7% - 1.95% fee
6
Cap $7,143
5.05%
7% - 1.95% fee
7
Cap $3,571
4.05%
6% - 1.95% fee
8
Cap $10,000
3.95%
5.95% - 2% fee
9
3.05%
5% - 1.95% fee
10
3.05%
5% - 1.95% fee
pickcardrebate.com
11/6/2026 更新 (HKT)
🧋 Taiwan Top 5
In-store TWD spending in Taiwan
🏆
11/2026 · Top 10
1
Cap $8,000
8.05%
10% - 1.95% fee
2
Cap $36,667
7.65%
9.6% - 1.95% fee
3
Cap $36,667
7.40%
8.4% - 1% fee
4
Cap $5,333
6.05%
8% - 1.95% fee
5
Cap $2,500
6.05%
8% - 1.95% fee
6
Cap $36,667
5.05%
7% - 1.95% fee
7
Cap $7,143
5.05%
7% - 1.95% fee
8
Cap $10,000
3.95%
5.95% - 2% fee
9
3.05%
5% - 1.95% fee
10
Cap $10,000
3.05%
5% - 1.95% fee
pickcardrebate.com
11/6/2026 更新 (HKT)
📱 Mobile Payment Top 5
Apple Pay, Google Pay, UnionPay QR
🏆
11/2026 · Top 10
1
Cap $1,000
10%
2
Cap $2,000
5.4%
3
Cap $4,000
5%
4
Cap $5,000
4.4%
5
Cap $8,334
4%
6
Cap $5,000
4%
7
Cap $3,750
4%
8
Cap $8,000
3%
9
Cap $42,000
1%
10
Cap $42,000
1%
pickcardrebate.com
11/6/2026 更新 (HKT)
🐙 Octopus Top-up Top 5
Mixed top-up routes — rates differ a lot, see guide
🏆
11/2026 · Top 10
1
Cap $75,000
2%
2
1.67%
3
1%
4
0.83%
5
0.83%
6
0.5%
7
0.5%
8
0.5%
9
0.4%
10
0.4%
pickcardrebate.com
11/6/2026 更新 (HKT)
✈️ Miles Top 5
Asia Miles, Avios miles cards
🏆
11/2026 · Top 10
1
$2.0/mile
2
Cap $8,000
$2.0/mile
3
$2.0/mile
4
$3.0/mile
5
$3.6/mile
6
$4.0/mile
7
$5.0/mile
8
$6.0/mile
9
$6.0/mile
10
$6.7/mile
pickcardrebate.com
11/6/2026 更新 (HKT)
💳 All Round Top 5
Base rebate, no-fuss spending
🏆
11/2026 · Top 10
1
Cap $15,000
3.33%
2
2%
3
Cap $75,000
2%
4
1.67%
5
1.67%
6
1.67%
7
1.67%
8
1.67%
9
1.5%
10
1.5%
pickcardrebate.com
11/6/2026 更新 (HKT)
🛵
🛵 Food Delivery Top 5
Foodpanda / KeeTa (counts as online)
🏆
11/2026 · Top 10
1
Cap $3,289
8%
2
Cap $2,500
8%
3
Cap $3,571
6%
4
Cap $3,333
6%
5
Cap $4,000
5.4%
6
Cap $2,000
5.4%
7
Cap $10,000
5%
8
Cap $10,000
5%
9
Cap $8,000
5%
10
Cap $5,000
5%
pickcardrebate.com
11/6/2026 更新 (HKT)
🎬
🎬 Streaming Top 5
Netflix / Disney+ / Spotify / YouTube
🏆
11/2026 · Top 10
1
Cap $1,562
10%
After CBF: 9.00%
2
Cap $6,250
8%
After CBF: 7.00%
3
Cap $3,289
8%
After CBF: 7.00%
4
Cap $2,500
8%
After CBF: 6.05%
5
Cap $4,000
5.4%
6
Cap $3,571
6%
After CBF: 5.00%
7
Cap $3,333
6%
After CBF: 5.00%
8
Cap $8,000
5%
After CBF: 4.00%
9
Cap $5,000
4%
10
Cap $5,000
4.4%
After CBF: 3.40%
pickcardrebate.com
11/6/2026 更新 (HKT)
💊
💊 iHerb Top 5
iHerb HKD billed but CBF
🏆
11/2026 · Top 10
1
Cap $3,289
8%
After CBF: 7.00%
2
Cap $2,500
8%
After CBF: 6.05%
3
Cap $4,000
6%
4
Cap $3,571
6%
After CBF: 5.00%
5
Cap $3,333
6%
After CBF: 5.00%
6
Cap $10,000
5%
After CBF: 4.00%
7
Cap $8,000
5%
After CBF: 4.00%
8
Cap $3,260
5%
After CBF: 4.00%
9
Cap $5,000
4.4%
After CBF: 3.40%
10
Cap $15,000
4%
After CBF: 3.00%
pickcardrebate.com
11/6/2026 更新 (HKT)
🛍️
🛍️ Taobao Top 5
Headline rate (before Taobao fees) — see guide for net
🏆
11/2026 · Top 10
1
Cap $2,500
10%
2
Cap $6,250
8%
3
Cap $3,289
8%
4
Cap $2,500
8%
5
Cap $4,000
6%
6
Cap $3,571
6%
7
Cap $3,333
6%
8
Cap $10,000
5.95%
9
5%
10
Cap $10,000
5%
pickcardrebate.com
11/6/2026 更新 (HKT)
🥟
🥟 Pinduoduo Top 5
Net rebate after platform & FX fees (direct card)
🏆
11/2026 · Top 10
1
Cap $2,500
10%
2
Cap $11,111
4.8%
3
Cap $80,000
4.4%
4
Cap $3,289
8%
5
Cap $2,500
8%
6
Cap $100,000
2.4%
7
Cap $4,000
6%
8
Cap $3,571
6%
9
Cap $3,333
6%
10
Cap $75,000
2%
pickcardrebate.com
11/6/2026 更新 (HKT)
💡
💡 Utility Top 5
AlipayHK + direct credit card
🏆
11/2026 · Top 2
1
Cap $75,000
2%
2
0.4%
pickcardrebate.com
11/6/2026 更新 (HKT)
🏠
🏠 Rent Top 5
RentSmart fee: MC 1.6% / Visa & UnionPay 2%
🏆
11/2026 · Top 4
1
Cap $10,000
5%
2
Cap $5,000
4.4%
3
Cap $75,000
2%
4
1.5%
pickcardrebate.com
11/6/2026 更新 (HKT)
🧾
🧾 Tax Top 5
No base rebate on tax: rates below are headline only (before fees, usually lower via e-wallets) — the real value is banks' seasonal tax offers
🔥 Tax season offers(limited time, fixed rewards)Guide
銀聯國際
Spend $10,000 → $68 · Up to $640
Registration requiredUntil 12/3
0.68%
at min. tier
中銀香港
Spend $20,000 → $50 · Up to $1,088
Registration requiredQuota 24,000Until 12/30
0.25%
at min. tier
工銀(亞洲)
Spend $5,000 → $100
Quota 14,500Until 12/31
2%
at min. tier
亞洲聯合財務
Spend $5,000 → $50 · Up to $1,000
Registration requiredUntil 2/26
1%
at min. tier
Fixed rewards: the more you pay, the lower the effective rate. Extra spending requirements apply — check each offer's terms.
🏆
11/2026 · Top 2
1
Cap $75,000
2%
2
0.4%
pickcardrebate.com
11/6/2026 更新 (HKT)
🛡️
🛡️ Insurance Top 5
EarnMORE UnionPay / AE Blue Cash
🏆
11/2026 · Top 7
1
Cap $75,000
2%
2
1.2%
3
1%
4
Cap $120,000
1%
5
0.4%
6
0.4%
7
0.4%
pickcardrebate.com
11/6/2026 更新 (HKT)
⛽
⛽ Fuel Top 5
Dah Sing myauto / BEA GOAL / BOC SOGO VS
🏆
11/2026 · Top 10
1
Cap $1,000
10%
2
Cap $3,333
6.4%
3
Cap $2,000
5.4%
4
Cap $4,000
5%
5
Cap $8,334
4%
6
Cap $5,000
4%
7
Cap $15,000
3.33%
8
Cap $6,250
3.2%
9
Cap $8,000
3%
10
2.5%
pickcardrebate.com
11/6/2026 更新 (HKT)
🚇
🚇 Tunnel Fees Top 5
HKeToll / tunnel fees
🏆
11/2026 · Top 10
1
Cap $1,000
10%
2
Cap $3,289
8%
3
Cap $2,500
8%
4
Cap $3,571
6%
5
Cap $4,000
5.4%
6
Cap $10,000
5%
7
Cap $10,000
5%
8
Cap $10,000
5%
9
Cap $8,000
5%
10
Cap $3,260
5%
pickcardrebate.com
11/6/2026 更新 (HKT)
🅿️
🅿️ Parking Top 5
DBS Eminent / MMPower 5%
🏆
11/2026 · Top 10
1
Cap $3,289
8%
2
Cap $2,500
8%
3
Cap $3,571
6%
4
Cap $4,000
5.4%
5
Cap $2,000
5.4%
6
Cap $10,000
5%
7
Cap $10,000
5%
8
Cap $10,000
5%
9
Cap $8,000
5%
10
Cap $4,000
5%
pickcardrebate.com
11/6/2026 更新 (HKT)