Are You Losing Money on Your Card? — Hong Kong
Most people carry the wrong card and lose money every year. Check yours in 30 seconds against Hong Kong's best cashback cards — free, no sign-up.
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Which country are you in?
We'll compare cards available where you live.
Comparing your card against the market…
Best cashback credit cards in Hong Kong
Ranked by cashback rate from 10 real bank products. Run the checker above to see how your card compares.
| Card | Bank | Cashback | Annual fee |
|---|---|---|---|
| HSBC HK Visa Signature | HSBC Hong Kong | — | Free |
| HSBC HK Visa Platinum | HSBC Hong Kong | — | Free |
| HSBC HK Red Card | HSBC Hong Kong | — | Free |
| HSBC HK Premier MC | HSBC Hong Kong | — | Free |
| Hang Seng Visa Infinite | Hang Seng Bank | — | Free |
| Hang Seng Visa Platinum | Hang Seng Bank | — | Free |
| Hang Seng enJoy Card | Hang Seng Bank | — | Free |
| SC HK Visa Infinite | Standard Chartered HK | — | Free |
| SC HK Smart Card | Standard Chartered HK | — | Free |
| SC HK Cathay MC | Standard Chartered HK | — | Free |
Frequently asked questions
How do I know if I'm losing money on my card in Hong Kong?
Enter the card you hold and your monthly spend. We compare its cashback and annual fee against every other card in Hong Kong and show the yearly difference.
Is it free?
Yes — the check is free and takes ~30 seconds. No sign-up needed to see your result.
How is the yearly loss calculated?
Net rewards = annual spend × the card's cashback rate − annual fee. We then compare your card to the best available option.
