Best Supermarket Credit Cards in Hong Kong (Updated in May 2020)


Grocery shopping is a part of everyone’s lives. But do you know some cards specialize in supermarket expenses that you can earn lots of rewards from them? Let’s compare the best daily needs shopping credit cards from HSBC, DBS, and Citibank!

Comparison of supermarket shopping credit cards

Credit Card Reward
Citi Rewards Card HK$3/mile or 2% rebates
(supermarkets/department stores/telephone companies) HK$1.875=1 mile or 3.2% rebates
(selected spending categories during birthday month)
DBS Compass Visa 8% discounts at PARKnShop and Watsons on selected dates 1% COMPASS Dollar rebates
HSBC Visa Signature Card HK$2.78/mile or 3.6% rebates

Citi Rewards Credit Card: 5X points all year round

Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions
Min. Annual Salary
Cash back on Wallet transactions
5X Points
Miles Conversion (local spend)
$3 = 1 Mile
MoneySmart Exclusive:

Limited Time Offer! Successful application through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,500 Apple Gift Card/Supermarket Voucher/Decathlon Voucher/Bose QuietComfort® True Wireless Bluetooth Earbuds (Retail value: HK$2,299) and HK$800 Wellcome Supermarket and Lifestyle Supermarkets Shopping Voucher (Fulfilled by Citibank)!!

Valid until 31 May 2022

Earn HK$1=1 point (or HK$15/mile) with your daily transactions, 5X points (or HK$3/mile) on purchases at local supermarkets, department stores, and telephone companies, and 8X points (or HK$1.875/mile) during your birthday month. Points never expire and you also have the flexibility to choose from a wide range of redemption options.

Redeem your points for miles on the platform of Citi ThankYou Rewards and choose from 12 different frequent-flyer programmes like Asia Miles, BA Executive Club, KrisFlyer, Thai Airways Royal Orchid Plus, Qantas Frequent Flyer, etc. – this means that you can choose whichever airline or route you want to take.

Besides mileage, you can also redeem for cash back (250 points = HK$1), 10% points off for specific gift vouchers (e.g. 22,500 points for an HK$100 Wellcome supermarket voucher, which you usually need 25,000 points for), movie tickets, gadgets, accessories, overseas activities tickets, and much more. Sounds perfect for grocery lovers!

Last but not least, HKTVmall is also one of the 5X / 8X points key merchants, you can earn more points faster.

DBS Compass Visa: 8% discounts at PARKnSHOP on selected dates

DBS 星展銀行 logo
8% discount at Watsons and ParknShop
Min. Annual Salary
Cash back on local spend
Miles Conversion (local spend)
HK$10 = 1 Mile

Good news to all PARKnSHOP and Watsons fans! With your DBS Compass Visa, you could enjoy 8% off with single purchases $100 or above in PARKnSHOP, FUSION, TASTE, INTERNATIONAL by PARKnSHOP, FOOD LE PARC, GOURMET, GREAT FOOD HALL, SU-PA-DE-PA (applicable to supermarket only), EXPRESS, PARKnSHOP Frozen Food Store, TASTY STREET and and on the 2, 12 and 22 of each month. Save the 5, 15 and 25 as well to enjoy the same discount at Watsons with single purchases $500 or above.

HSBC Visa Signature Card: Supermarket shopping gets extra 5X RewardCash

HSBC 滙豐銀行 logo
Min. Annual Salary
Cash back on local spend
Miles Conversion (local spend)
HK$2.78 = 1 Mile

By allocating “Red Hot Rewards of Your Choice” to the “Home” category, you could earn 6X RewardCash at the selected supermarkets, Mannings and Watsons. With the extra 3X in “Red Hot Offers”, you will have a total of 9x RewardCash! You could also enjoy 5X bonus RewardCash with online and foreign currency transactions all year round. Note that you will need an annual income of HK$360,000 or an asset proof of HK$400,000 at a minimum to join the membership.

Looking for more personal finance tips? Let’s check out MoneySmart Blog!