PickCardRebate
Updated September 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
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667Monthly min.$500
15%
2
建行(亞洲) eye 信用卡
建行(亞洲) eye 信用卡
Cap $4,444Min. spend$500Monthly min.$5,000
11%
3
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571Monthly min.$3,800
6%
4
AEON Visa 信用卡 (Purple)
AEON Visa 信用卡 (Purple)Visa · Mastercard · 銀聯
Cap $1,786
6%
5
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
🏆
🍽️ Dining
9/2026 · Top 10
1
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667
15%
2
建行(亞洲) eye 信用卡
建行(亞洲) eye 信用卡
Cap $4,444
11%
3
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
6%
4
AEON Visa 信用卡 (Purple)
AEON Visa 信用卡 (Purple)(Visa·Mastercard·銀聯)
Cap $1,786
6%
5
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
6
Hang Seng Travel+
Hang Seng Travel+
Cap $10,870
5%
7
東亞 World Mastercard
東亞 World Mastercard
Cap $10,000
5%
8
DBS Eminent Visa Signature Card
DBS Eminent Visa Signature Card
Cap $8,000
5%
9
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000
5%
10
DBS Eminent Visa Platinum Card
DBS Eminent Visa Platinum Card
Cap $4,000
5%
pickcardrebate.com
9/22/2026 更新 (HKT)

🛒 HKD Online Shopping Top 5

HKTVmall, PARKnSHOP online & more (note CBF)

📸
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000CBF 1%
8%
2
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000CBF 1.95%
8%
3
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571CBF 1%
6%
4
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571Monthly min.$3,800CBF 1%
6%
5
DBS Live Fresh
DBS Live FreshVisa · Visa
Cap $4,000Min. spend$300CBF 1%
5.4%
🏆
🛒 HKD Online Shopping
9/2026 · Top 10
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
After CBF: 7.00%
2
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
After CBF: 6.05%
3
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
After CBF: 5.00%
4
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
6%
After CBF: 5.00%
5
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
5.4%
After CBF: 4.40%
6
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870
5%
After CBF: 4.00%
7
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $10,000
5%
After CBF: 4.00%
8
BOC Chill World Mastercard
BOC Chill World Mastercard(Mastercard·Mastercard)
Cap $3,260
5%
After CBF: 4.00%
9
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000
4.4%
After CBF: 3.40%
10
HSBC Red Credit Card
HSBC Red Credit Card
Cap $10,000
4%
After CBF: 3.00%
pickcardrebate.com
9/22/2026 更新 (HKT)

💻 Foreign Online Shopping Top 5

Amazon, iHerb & foreign currency online

📸
1
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000Min. spend$4000
10.00%
10% - 0%Fee
2
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95%Fee
3
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95%Fee
4
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000
6.05%
8% - 1.95%Fee
5
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000
6.05%
8% - 1.95%Fee
🏆
💻 Foreign Online Shopping
9/2026 · Top 10
1
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000
10.00%
10% - 0% fee
2
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95% fee
3
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95% fee
4
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
6.05%
8% - 1.95% fee
5
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
6.05%
8% - 1.95% fee
6
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)
Cap $1,786
5.00%
6% - 1% fee
7
滙豐銀聯雙幣信用卡
滙豐銀聯雙幣信用卡
4.40%
4.4% - 0% fee
8
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
4.05%
6% - 1.95% fee
9
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
4.05%
6% - 1.95% fee
10
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
4.05%
6% - 1.95% fee
pickcardrebate.com
9/22/2026 更新 (HKT)

🛒 Supermarket Top 5

PARKnSHOP, Wellcome, HKTVmall & more

📸
1
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667Monthly min.$500
15%
2
信銀國際 京東 Mastercard 卡
信銀國際 京東 Mastercard 卡
Selected merchantsCap $5,000Min. spend$5000
10%
3
ICBC 宇宙星座 Visa Signature
ICBC 宇宙星座 Visa Signature
Cap $2,112Min. spend$200
9%
4
DBS COMPASS VISA
DBS COMPASS VISA
Cap $2,000Min. spend$300
8%
5
AEON Visa 信用卡 (Purple)
AEON Visa 信用卡 (Purple)Visa · Mastercard · 銀聯
Selected merchantsCap $1,923
6%
🏆
🛒 Supermarket
9/2026 · Top 10
1
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667
15%
2
信銀國際 京東 Mastercard 卡
信銀國際 京東 Mastercard 卡
Cap $5,000
10%
3
ICBC 宇宙星座 Visa Signature
ICBC 宇宙星座 Visa Signature
Cap $2,112
9%
4
DBS COMPASS VISA
DBS COMPASS VISA
Cap $2,000
8%
5
AEON Visa 信用卡 (Purple)
AEON Visa 信用卡 (Purple)(Visa·Mastercard·銀聯)
Cap $1,923
6%
6
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
7
SC Smart Card
SC Smart Card
Cap $5,000
5%
8
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000
5%
9
中銀 Go 銀聯白金卡
中銀 Go 銀聯白金卡(銀聯·銀聯)
Cap $2,000
5%
10
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,556
4%
pickcardrebate.com
9/22/2026 更新 (HKT)

🎫 Flights & Hotels Top 5

Flights, hotels, travel platforms (Klook/Agoda etc.)

📸
1
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $3,333Monthly min.$2,000
6.4%
2
DBS Live Fresh
DBS Live FreshVisa · Visa
Cap $4,000Min. spend$300
5.4%
3
SC Smart Card
SC Smart Card
Selected merchantsCap $5,000Monthly min.$4,000
5%
4
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa · Visa
Cap $5,556Monthly min.$1,500
4%
5
Amex Explorer
Amex Explorer
No limit
2.78%
🏆
🎫 Flights & Hotels
9/2026 · Top 8
1
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $3,333
6.4%
2
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
5.4%
3
SC Smart Card
SC Smart Card
Cap $5,000
5%
4
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,556
4%
5
Amex Explorer
Amex Explorer
2.78%
6
DBS Black World Mastercard
DBS Black World Mastercard
2.5%
7
Citi Prestige Card
Citi Prestige Card
2.5%
8
Citi Cash Back Card
Citi Cash Back Card
2%
pickcardrebate.com
9/22/2026 更新 (HKT)

✈️ Overseas Top 5

In-store foreign currency spending

📸
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa · Visa
Cap $5,208
10.00%
10% - 0%Fee
2
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000Min. spend$4000
10.00%
10% - 0%Fee
3
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0%Fee
4
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95%Fee
5
中銀 Go 銀聯鑽石卡
中銀 Go 銀聯鑽石卡銀聯 · 銀聯
Cap $1,316
8.00%
8% - 0%Fee
🏆
✈️ Overseas
9/2026 · Top 10
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,208
10.00%
10% - 0% fee
2
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000
10.00%
10% - 0% fee
3
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0% fee
4
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95% fee
5
中銀 Go 銀聯鑽石卡
中銀 Go 銀聯鑽石卡(銀聯·銀聯)
Cap $1,316
8.00%
8% - 0% fee
6
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
7.65%
9.6% - 1.95% fee
7
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $5,000
7.00%
8% - 1% fee
8
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95% fee
9
sim World Mastercard
sim World Mastercard
Cap $2,500
6.05%
8% - 1.95% fee
10
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6.00%
6% - 0% fee
pickcardrebate.com
9/22/2026 更新 (HKT)

🇨🇳 Mainland China Top 5

In-store CNY spending in Mainland China

📸
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa · Visa
Cap $5,208
10.00%
10% - 0%Fee
2
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000Min. spend$4000
10.00%
10% - 0%Fee
3
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0%Fee
4
中銀 Go 銀聯鑽石卡
中銀 Go 銀聯鑽石卡銀聯 · 銀聯
Cap $1,316
8.00%
8% - 0%Fee
5
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
7.65%
9.6% - 1.95%Fee
🏆
🇨🇳 Mainland China
9/2026 · Top 10
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,208
10.00%
10% - 0% fee
2
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000
10.00%
10% - 0% fee
3
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0% fee
4
中銀 Go 銀聯鑽石卡
中銀 Go 銀聯鑽石卡(銀聯·銀聯)
Cap $1,316
8.00%
8% - 0% fee
5
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
7.65%
9.6% - 1.95% fee
6
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $5,000
7.00%
8% - 1% fee
7
sim World Mastercard
sim World Mastercard
Cap $2,500
6.05%
8% - 1.95% fee
8
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)(銀聯·Visa·Mastercard)
Cap $1,786
6.00%
6% - 0% fee
9
HSBC EveryMile
HSBC EveryMile
Cap $36,667
5.05%
7% - 1.95% fee
10
Hang Seng Travel+
Hang Seng Travel+
Cap $7,576
5.05%
7% - 1.95% fee
pickcardrebate.com
9/22/2026 更新 (HKT)

🗾 Japan Top 5

In-store JPY spending in Japan

📸
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa · Visa
Cap $5,208
10.00%
10% - 0%Fee
2
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0%Fee
3
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
7.65%
9.6% - 1.95%Fee
4
sim World Mastercard
sim World Mastercard
Cap $2,500Monthly min.$1,000
6.05%
8% - 1.95%Fee
5
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6.00%
6% - 0%Fee
🏆
🗾 Japan
9/2026 · Top 10
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,208
10.00%
10% - 0% fee
2
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0% fee
3
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
7.65%
9.6% - 1.95% fee
4
sim World Mastercard
sim World Mastercard
Cap $2,500
6.05%
8% - 1.95% fee
5
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6.00%
6% - 0% fee
6
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)(銀聯·Visa·Mastercard)
Cap $3,571
6.00%
6% - 0% fee
7
HSBC EveryMile
HSBC EveryMile
Cap $36,667
5.05%
7% - 1.95% fee
8
Hang Seng Travel+
Hang Seng Travel+
Cap $7,576
5.05%
7% - 1.95% fee
9
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $10,000
4.00%
5% - 1% fee
10
Amex Explorer
Amex Explorer
Cap $10,000
3.95%
5.95% - 2% fee
pickcardrebate.com
9/22/2026 更新 (HKT)

🧋 Taiwan Top 5

In-store TWD spending in Taiwan

📸
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa · Visa
Cap $5,208
10.00%
10% - 0%Fee
2
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0%Fee
3
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95%Fee
4
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
7.65%
9.6% - 1.95%Fee
5
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡銀聯 · 銀聯
Cap $5,000Monthly min.$1,800
7.00%
8% - 1%Fee
🏆
🧋 Taiwan
9/2026 · Top 10
1
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,208
10.00%
10% - 0% fee
2
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $36,667
8.40%
8.4% - 0% fee
3
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $8,000
8.05%
10% - 1.95% fee
4
HSBC Visa Signature
HSBC Visa Signature
Cap $36,667
7.65%
9.6% - 1.95% fee
5
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $5,000
7.00%
8% - 1% fee
6
富邦白金卡
富邦白金卡
Cap $5,333
6.05%
8% - 1.95% fee
7
sim World Mastercard
sim World Mastercard
Cap $2,500
6.05%
8% - 1.95% fee
8
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)(銀聯·Visa·Mastercard)
Cap $1,786
6.00%
6% - 0% fee
9
HSBC EveryMile
HSBC EveryMile
Cap $36,667
5.05%
7% - 1.95% fee
10
Hang Seng Travel+
Hang Seng Travel+
Cap $7,576
5.05%
7% - 1.95% fee
pickcardrebate.com
9/22/2026 更新 (HKT)

📱 Mobile Payment Top 5

Apple Pay, Google Pay, UnionPay QR

📸
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 · Visa
Cap $5,556Monthly min.$1,500
4%
🏆
📱 Mobile Payment
9/2026 · 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·Visa)
Cap $5,556
4%
6
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $3,750
4%
7
中銀 Go 銀聯鑽石卡
中銀 Go 銀聯鑽石卡(銀聯·銀聯)
Cap $2,778
4%
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
9/22/2026 更新 (HKT)

🐙 Octopus Top-up Top 5

Mixed top-up routes — rates differ a lot, see guide

📸
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡銀聯 · 銀聯
Selected merchantsCap $150,000
2%
2
渣打國泰Mastercard
渣打國泰Mastercard
No limit
1.67%
3
Citi Cash Back Card
Citi Cash Back Card
No limit
1%
4
大新 ANA World 萬事達卡
大新 ANA World 萬事達卡
No limit
0.83%
5
SC Smart Card
SC Smart Card
Monthly min.$4,000
0.56%
🏆
🐙 Octopus Top-up
9/2026 · Top 10
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $150,000
2%
2
渣打國泰Mastercard
渣打國泰Mastercard
1.67%
3
Citi Cash Back Card
Citi Cash Back Card
1%
4
大新 ANA World 萬事達卡
大新 ANA World 萬事達卡
0.83%
5
SC Smart Card
SC Smart Card
0.56%
6
Hang Seng enJoy Card
Hang Seng enJoy Card
0.5%
7
Citi 八達通白金卡
Citi 八達通白金卡
0.5%
8
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
0.5%
9
HSBC Red Credit Card
HSBC Red Credit Card
0.4%
10
BOC Chill Platinum Mastercard
BOC Chill Platinum Mastercard(Mastercard·Mastercard)
0.4%
pickcardrebate.com
9/22/2026 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
DBS Black World Mastercard
DBS Black World Mastercard
里數Cap $20,000Monthly min.$20,000
$2.00/mile
≈ 5.00% Rebate
3
HSBC EveryMile
HSBC EveryMile
里數Selected merchants
$2.00/mile
≈ 5.00% Rebate
4
渣打國泰Mastercard
渣打國泰MastercardMastercard · Mastercard · Mastercard
Asia MilesSelected merchants
$2.00/mile
≈ 5.00% Rebate
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
里數Selected merchants
$2.00/mile
≈ 5.00% Rebate
🏆
✈️ Miles
9/2026 · Top 10
1
Amex Explorer
Amex Explorer
Cap $10,000
$1.7/mile
2
DBS Black World Mastercard
DBS Black World Mastercard
Cap $20,000
$2.0/mile
3
HSBC EveryMile
HSBC EveryMile
$2.0/mile
4
渣打國泰Mastercard
渣打國泰Mastercard(Mastercard·Mastercard·Mastercard)
$2.0/mile
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
$2.0/mile
6
Citi PremierMiles
Citi PremierMiles
$3.0/mile
7
大新英國航空白金卡
大新英國航空白金卡
$4.0/mile
8
Citi Prestige Card
Citi Prestige Card
$4.0/mile
9
大新聯合航空 World 萬事達卡
大新聯合航空 World 萬事達卡
$5.0/mile
10
ICBC 宇宙星座 Visa Signature
ICBC 宇宙星座 Visa Signature
$6.7/mile
pickcardrebate.com
9/22/2026 更新 (HKT)

💳 All Round Top 5

Base rebate, no-fuss spending

📸
1
Amex Explorer
Amex Explorer
Cap $15,000
3.33%
2
Mox Credit
Mox Credit
No limit
2%
3
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡銀聯 · 銀聯
Cap $150,000
2%
4
DBS Black World Mastercard
DBS Black World Mastercard
No limit
1.67%
5
大新英國航空白金卡
大新英國航空白金卡
No limit
1.67%
🏆
💳 All Round
9/2026 · Top 10
1
Amex Explorer
Amex Explorer
Cap $15,000
3.33%
2
Mox Credit
Mox Credit
2%
3
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $150,000
2%
4
DBS Black World Mastercard
DBS Black World Mastercard
1.67%
5
大新英國航空白金卡
大新英國航空白金卡
1.67%
6
渣打國泰Mastercard
渣打國泰Mastercard(Mastercard·Mastercard·Mastercard)
1.67%
7
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%
8
Citi Prestige Card
Citi Prestige Card
1.67%
9
SC Simply Cash Visa
SC Simply Cash Visa
1.5%
10
ICBC 宇宙星座 Visa Signature
ICBC 宇宙星座 Visa Signature
1.5%
pickcardrebate.com
9/22/2026 更新 (HKT)
🛵

🛵 Food Delivery Top 5

Foodpanda / KeeTa (counts as online)

📸
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000
8%
2
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000
8%
3
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
4
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571Monthly min.$3,800
6%
5
DBS Live Fresh
DBS Live FreshVisa · Visa
Cap $4,000Min. spend$300
5.4%
🏆
🛵 Food Delivery
9/2026 · Top 10
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
2
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
3
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
4
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
6%
5
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
5.4%
6
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
7
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870
5%
8
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $10,000
5%
9
SC Smart Card
SC Smart Card
Cap $5,000
5%
10
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000
5%
pickcardrebate.com
9/22/2026 更新 (HKT)
🎬

🎬 Streaming Top 5

Netflix / Disney+ / Spotify / YouTube

📸
1
BOC Chill World Mastercard
BOC Chill World MastercardMastercard · Mastercard
Selected merchantsCap $1,562Monthly min.$1,500CBF 1%
10%
2
Hang Seng MMPOWER
Hang Seng MMPOWER
Selected merchantsCap $6,579Monthly min.$3,000CBF 1%
8%
3
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000CBF 1%
8%
4
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000CBF 1.95%
8%
5
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571CBF 1%
6%
🏆
🎬 Streaming
9/2026 · Top 10
1
BOC Chill World Mastercard
BOC Chill World Mastercard(Mastercard·Mastercard)
Cap $1,562
10%
After CBF: 9.00%
2
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $6,579
8%
After CBF: 7.00%
3
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
After CBF: 7.00%
4
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
After CBF: 6.05%
5
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
After CBF: 5.00%
6
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
6%
After CBF: 5.00%
7
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
5.4%
After CBF: 4.40%
8
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,556
4%
9
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000
4.4%
After CBF: 3.40%
10
HSBC Red Credit Card
HSBC Red Credit Card
Cap $10,000
4%
After CBF: 3.00%
pickcardrebate.com
9/22/2026 更新 (HKT)
💊

💊 iHerb Top 5

iHerb HKD billed but CBF

📸
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000CBF 1%
8%
2
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000CBF 1.95%
8%
3
DBS Live Fresh
DBS Live FreshVisa · Visa
Cap $4,000Min. spend$300CBF 1%
6%
4
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571CBF 1%
6%
5
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571Monthly min.$3,800CBF 1%
6%
🏆
💊 iHerb
9/2026 · Top 10
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
After CBF: 7.00%
2
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
After CBF: 6.05%
3
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
6%
After CBF: 5.00%
4
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
After CBF: 5.00%
5
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
6%
After CBF: 5.00%
6
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870
5%
After CBF: 4.00%
7
BOC Chill World Mastercard
BOC Chill World Mastercard(Mastercard·Mastercard)
Cap $3,260
5%
After CBF: 4.00%
8
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000
4.4%
After CBF: 3.40%
9
HSBC Red Credit Card
HSBC Red Credit Card
Cap $10,000
4%
After CBF: 3.00%
10
中銀 Bliss Card
中銀 Bliss Card
Cap $10,000
4%
After CBF: 3.00%
pickcardrebate.com
9/22/2026 更新 (HKT)
🛍️

🛍️ Taobao Top 5

Headline rate (before Taobao fees) — see guide for net

📸
1
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000Min. spend$4000
10%
2
Hang Seng MMPOWER
Hang Seng MMPOWER
Selected merchantsCap $6,579Monthly min.$3,000
8%
3
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000
8%
4
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000
8%
5
DBS Live Fresh
DBS Live FreshVisa · Visa
Cap $4,000Min. spend$300
6%
🏆
🛍️ Taobao
9/2026 · Top 10
1
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000
10%
2
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $6,579
8%
3
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
4
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
5
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
6%
6
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
7
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
6%
8
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)(銀聯·Visa·Mastercard)
Cap $1,786
6%
9
Amex Explorer
Amex Explorer
Cap $10,000
5.95%
10
DBS Black World Mastercard
DBS Black World Mastercard
Cap $20,000
5%
pickcardrebate.com
9/22/2026 更新 (HKT)
🥟

🥟 Pinduoduo Top 5

Net rebate after platform & FX fees (direct card)

📸
1
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000Min. spend$4000
10%
10% - 0% 手續費
2
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)銀聯 · Visa · Mastercard
Cap $1,786
5%
6% - 1% 手續費
3
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $80,000
4.4%
4.4% - 0% 手續費
4
滙豐銀聯雙幣信用卡
滙豐銀聯雙幣信用卡
No limit
3.4%
4.4% - 1% 手續費
5
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000
3.05%
8% - 4.95% 手續費
🏆
🥟 Pinduoduo
9/2026 · Top 10
1
信銀國際大灣區雙幣信用卡
信銀國際大灣區雙幣信用卡
Cap $4,000
10%
2
AEON 銀聯信用卡 (Purple)
AEON 銀聯信用卡 (Purple)(銀聯·Visa·Mastercard)
Cap $1,786
6%
3
HSBC Pulse 銀聯雙幣卡
HSBC Pulse 銀聯雙幣卡
Cap $80,000
4.4%
4
滙豐銀聯雙幣信用卡
滙豐銀聯雙幣信用卡
4.4%
5
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
6
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
7
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·Visa)
Cap $5,556
4%
8
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
6%
9
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
10
信銀國際 Motion 信用卡
信銀國際 Motion 信用卡
Cap $3,571
6%
pickcardrebate.com
9/22/2026 更新 (HKT)
💡

💡 Utility Top 5

AlipayHK + direct credit card

📸
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡銀聯 · 銀聯
Cap $150,000
2%
2
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
No limit
0.4%
🏆
💡 Utility
9/2026 · Top 2
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $150,000
2%
2
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
0.4%
pickcardrebate.com
9/22/2026 更新 (HKT)
🏠

🏠 Rent Top 5

RentSmart fee: MC 1.6% / Visa & UnionPay 2%

📸
1
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870Monthly min.$3,000
3.4%
5% - 1.6% 手續費
2
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000Monthly min.$2,000
2.8%
4.4% - 1.6% 手續費
3
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡
Cap $150,000
0%
2% - 2% 手續費
4
SC Simply Cash Visa
SC Simply Cash Visa
No limit
-0.5%
1.5% - 2% 手續費
🏆
🏠 Rent
9/2026 · Top 4
1
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870
5%
2
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000
4.4%
3
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡
Cap $150,000
2%
4
SC Simply Cash Visa
SC Simply Cash Visa
1.5%
pickcardrebate.com
9/22/2026 更新 (HKT)
🧾

🧾 Tax Top 5

Base rates before fees — bank tax promos matter more

📸
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡銀聯 · 銀聯
Cap $150,000
2%
2
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
No limit
0.4%
🏆
🧾 Tax
9/2026 · Top 2
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $150,000
2%
2
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
0.4%
pickcardrebate.com
9/22/2026 更新 (HKT)
🛡️

🛡️ Insurance Top 5

EarnMORE UnionPay / AE Blue Cash

📸
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡銀聯 · 銀聯
Cap $150,000
2%
2
Amex Blue Cash 信用卡
Amex Blue Cash 信用卡
No limit
1.2%
3
大新 ONE+ 信用卡
大新 ONE+ 信用卡
No limit
1%
4
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
No limit
0.4%
5
建行(亞洲) AIA Visa 信用卡
建行(亞洲) AIA Visa 信用卡
No limit
0.4%
🏆
🛡️ Insurance
9/2026 · Top 6
1
安信 EarnMORE 銀聯卡
安信 EarnMORE 銀聯卡(銀聯·銀聯)
Cap $150,000
2%
2
Amex Blue Cash 信用卡
Amex Blue Cash 信用卡
1.2%
3
大新 ONE+ 信用卡
大新 ONE+ 信用卡
1%
4
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
0.4%
5
建行(亞洲) AIA Visa 信用卡
建行(亞洲) AIA Visa 信用卡
0.4%
6
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
0.4%
pickcardrebate.com
9/22/2026 更新 (HKT)
⛽

⛽ Fuel Top 5

Dah Sing myauto / BEA GOAL / BOC SOGO VS

📸
1
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667Monthly min.$500
15%
2
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $3,333Monthly min.$2,000
6.4%
3
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
4
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000Monthly min.$3,000
5%
5
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡銀聯 · Visa · Visa
Cap $5,556Monthly min.$1,500
4%
🏆
⛽ Fuel
9/2026 · Top 10
1
BEA JCB 白金卡
BEA JCB 白金卡
Cap $667
15%
2
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $3,333
6.4%
3
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
4
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000
5%
5
WeWa 銀聯鑽石卡
WeWa 銀聯鑽石卡(銀聯·Visa·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 $2,778
4%
7
Amex Explorer
Amex Explorer
Cap $15,000
3.33%
8
大新 MyAuto 車主信用卡
大新 MyAuto 車主信用卡
Cap $7,143
3.2%
9
HSBC EveryMile
HSBC EveryMile
2.5%
10
Mox Credit
Mox Credit
2%
pickcardrebate.com
9/22/2026 更新 (HKT)
🚇

🚇 Tunnel Fees Top 5

HKeToll / tunnel fees

📸
1
大新 MyAuto 車主信用卡
大新 MyAuto 車主信用卡
Selected merchantsCap $1,087Monthly min.$4,000
10%
2
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000
8%
3
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000
8%
4
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
5
DBS Live Fresh
DBS Live FreshVisa · Visa
Cap $4,000Min. spend$300
5.4%
🏆
🚇 Tunnel Fees
9/2026 · Top 10
1
大新 MyAuto 車主信用卡
大新 MyAuto 車主信用卡
Cap $1,087
10%
2
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
3
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
4
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
5
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
5.4%
6
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870
5%
7
Citi 八達通白金卡
Citi 八達通白金卡
Cap $10,000
5%
8
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $10,000
5%
9
BOC Chill World Mastercard
BOC Chill World Mastercard(Mastercard·Mastercard)
Cap $3,260
5%
10
BEA GOAL 信用卡
BEA GOAL 信用卡
Cap $5,000
4.4%
pickcardrebate.com
9/22/2026 更新 (HKT)
🅿️

🅿️ Parking Top 5

DBS Eminent / MMPower 5%

📸
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290Monthly min.$1,000
8%
2
sim Credit Card
sim Credit CardMastercard · Mastercard
Cap $2,500Min. spend$500Monthly min.$1,000
8%
3
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
4
DBS Live Fresh
DBS Live FreshVisa · Visa
Cap $4,000Min. spend$300
5.4%
5
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
🏆
🅿️ Parking
9/2026 · Top 10
1
富邦iN ShopBack Visa白金卡
富邦iN ShopBack Visa白金卡
Cap $3,290
8%
2
sim Credit Card
sim Credit Card(Mastercard·Mastercard)
Cap $2,500
8%
3
AEON CARD WAKUWAKU
AEON CARD WAKUWAKU
Cap $3,571
6%
4
DBS Live Fresh
DBS Live Fresh(Visa·Visa)
Cap $4,000
5.4%
5
BOC SOGO Visa Signature
BOC SOGO Visa Signature
Cap $1,852
5.4%
6
Hang Seng MMPOWER
Hang Seng MMPOWER
Cap $10,870
5%
7
Citi 八達通白金卡
Citi 八達通白金卡
Cap $10,000
5%
8
富邦 Visa Infinite 卡
富邦 Visa Infinite 卡
Cap $10,000
5%
9
交銀 Go-Goal 白金卡
交銀 Go-Goal 白金卡
Cap $4,000
5%
10
BOC Chill World Mastercard
BOC Chill World Mastercard(Mastercard·Mastercard)
Cap $3,260
5%
pickcardrebate.com
9/22/2026 更新 (HKT)

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