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We all want something in return right? Especially for the most part, when you spend, whether it be for dining, entertainment, or expenses. Wouldn’t it be nice to have a rewards program your credit card company can offer or better yet, give a portion of your cash back when you spend? Luckily, most of it is true as credit card companies offer cash backs at a certain rate depending on the amount you spend.
Below is a summary of credit cards and the corresponding cash back rates they offer.
| Credit Card | Cash Back Offer |
| Standard Chartered MANHATTAN id Credit Card | 0.5% Cash rebate on all spending |
| Standard Chartered MANHATTAN Platinum Credit Card | 0.5% Cash rebate on all spending |
| Standard Chartered Visa Platinum/Platinum Master Card | 2% Cash rebate when spending more than HK$4,000 at designated merchants |
| Standard Chartered 360° Rewards | 1% Cashback for every HK$1 spent |
| Citibank PremierMiles Card | 1% Rebate on local spending
2% Rebate on overseas spending |
| Hang Seng Platinum Card | HK$250 = HK$1 Cash Rebate on all spending |
| Hang Seng Visa/MasterCard | HK$250 = HK$1 Cash Rebate on all spending |
| Hang Seng CUP Platinum Card | HK$200 = HK$1 Cash Rebate on all spending |
| BEA JCB Platinum Card | HK$250 = 1HK$1 Cash Rebate |
| DBS Platinum Credit Card | HK$250 = 1 HK$ Cash Rebate |
Benefits:
- 5% cash rebate on all spending
- HK$1 = 1 Bonus Point
- Octopus automatic add value service
- 2 movie vouchers for every annual spending of HK$150,000 or more
- Free upgrade at Starbucks throughout the year
Benefits:
- 5% cash rebate on all spending
- Up to 5% Cash rebate with outstanding balance above HK$50,000
- Octopus automatic add value service
- 50% rebate at all cinemas in town
- Redeemable music live show tickets with bonus points
- Permanent annual fee waiver (up to three supplementary cards)
Benefits:
- 2% Cash rebate for transactions above $4,000 at designated merchants
- 2X 360° rewards beyond HK$4,000
- 360°Rewards points automatically redeemed for HK$100 PARK SHOP Gift Coupon for every quarter.
- Permanent annual fee waiver (up to three supplementary cards)
Benefits:
- 1% cashback for every HK$1 spent
- Interest-free repayment period up to 56 days
- Permanent annual fee waiver (up to three supplementary cards)
Benefits:
- 1% Rebate local spending
- 2% Rebate Overseas spending
- Annual Fee Waiver for spending HK$100,000 every year
- Free travel insurance
- Complimentary access to Hong Kong International Airport Plaza Premium (four times a year)
- DBS Platinum Credit Card
Benefits:
- HK$250= 1 HK$ Cash Rebate
- Interest-free installment loan of up to 24 months
- 3X cash reward on local dining
- Up to 20% off on movie tickets
Benefits:
- HK$250 = HK$1 Cash Rebate on all transactions
- 2x Cash dollars for spending at Caltex gasoline
- Hotel Dining Privileges
- Merchant Dollars Rewards
- Interest-free instalment up to 24 months
- Cash rebate on gasoline at Caltex
- HK$0.9/L Cash Rebate on gasoline
Benefits:
- HK$250 = HK$1 Cash Rebate on all transactions
- Up to 50% year-round discounts at over 4,500 merchant outlets
- Merchant Dollars Rewards at 4,500 selected merchants
- Merchant interest-free installment offers up to 24 months at designated merchants
- Octopus automatic add value service
Benefits:
- HK$200 = HK$1 Cash Rebate on all transactions
- 5x Cash Dollar for spending in Mainland China
- 3x Cash Dollar for overseas Spending
- Merchant Dollars Rewards at 4,500 selected merchants
- Up to 70% off at 4,600 merchant outlets
Benefits:
- HK$250 in retail spending = HK$1 cash rebate
- Year-round dining offers
- 8 Bonus Points = 1 Asia Mile
- Fee waived for two years
- JCB airport lounge service
Conclusion: Cash back credit cards are kings of return
You may have noticed that not only do you get a portion of cash returned to you, you are also eligible for rewards and points that can be redeemed for use such as free travelling and discounts in designated retail stores. Finding the right credit card will reap you many benefits, so pick wisely!
What did you think of our suggested list? Do you have anything more to add that we missed? Let us know in the comment section below.