Do you often find yourself browsing through online shops? It's time to make those purchases work for you! Explore the world of Hong Kong's top online shopping credit cards, packed with features and perks tailored just for you.
Get ready to unlock your perfect match, from unbeatable cashback deals, flexible spending criteria, and income requirements to enticing welcome offers. Don't hold back; let's plunge into the pool of the best online credit cards right away!
Table of contents: Best online credit cards in Hong Kong 2024
- Online shopping credit card: cashback and mileage comparison
- sim Credit Card: Up to an 8% rebate for online shopping
- DBS Live Fresh Card: up to a 6% rebate for online shopping
- Hang Seng MMPower World Mastercard: 6% for overseas spending, 5% cashback for online spending, and 1% for selected categories
- HSBC Red Credit Card: 4% rebate for online spending
- AEON CARD WAKUWAKU: 6% cashback on online spending
- Prime Credit UnionPay EarnMORE Card
- Standard Chartered Cathay Mastercard: HK$4/mile for online spending
- Other featured online shopping credit cards
- HSBC Platinum Card: HK$4.17/mile for overseas online shopping
- BOC Taobao World Mastercard: 0% service fee for Taobao and overseas online shopping
- CNCBI Motion Credit Card: 6% Cashback for online shopping
- How to choose a suitable online shopping credit card
- Frequently asked questions: Cashback Credit Cards
- Related articles
Online shopping credit card: cashback and mileage comparison
Here's a comparison of cashback and mileage rewards across all online shopping credit cards in Hong Kong:
Credit Card | Online Shopping Reward | Monthly Cashback Limit | Monthly Spending Limit |
8% Cashback | HK$200 | HK$2,500 | |
6% Cashback | HK$200 | HK$3,333 | |
6% Cashback | HK$300 | HK$5,000 | |
5% +FUN Dollars Cashback | 500 +FUN Dollars | HK$10,000 | |
6% Cashback on Specific Online Spending | HK$150 | HK$3,000 | |
4% cashback or HK$2.5/mile | HK$500 | HK$12,500 | |
HK$4/mile | N/A | N/A | |
2% cashback or HK$3/mile | N/A | N/A |
Cashback Comparison
When solely considering the cashback rate, the sim Credit Card and sim World Mastercard offer the highest rate in town at 8%. It's also important to note that there's a monthly cashback limit of HK$200, which means you can spend HK$2,500 at maximum. However, this usually satisfies the online shopping needs of an average person.
While the AEON CARD WAKUWAKU and CNCBI Motion Credit Card also offer a high online shopping cashback rate of 6%, with the former having a monthly cashback limit of HK$300 (at a maximum spending of HK$5,000) and the latter HK$200 (with a maximum spending of HK$3,333),.
Mileage Comparison
The Standard Chartered Cathay Mastercard offers an unlimited HK$4/mile for earning miles, while the most affordable card for earning miles is the HSBC Red Credit Card, which offers as low as HK$2.5/mile.
sim Credit Card: Up to an 8% rebate for online shopping
- Cashback on Online Retail Transactions and Local Transportation Transactions
- Up to 8%
- Fee Waiver
- First Year Free
- Minimum Income Requirements
- N/A
⚡7-Day Flash【🔥Earn HK$1,000 Cash/ Up to HK$2,299 Rewards + Selected National Team Fan Jersey ⚽！】
From 9 June until 15 June 2026, customers who successfully apply for sim Credit Card/ sim World Mastercard® via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance; OR select the sim Welcome offer and fulfill the designated spending requirements, activate the credit card and successfully approved, can enjoy 🏨 Trip.com 8% Hotel Bookings Promo Code + ✈️ Trip.com HK$100 Flights Promo Code (upon claim submission); AND will be entitled one of the following gifts (choose 1 out of 6)🎁 :
・Beyerdynamic Amiron 300 True Wireless with Active Noise Cancellation (Value: HK$2,299, random color)
・Acer Acerpure Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298, random color)
・Doshisha Gorilla Calf Massager + Hand Massager Bundle (Value: HK$1,134, random color)
・HK$1,000 HKTVmall e-Vouchers / Apple Store Gift Card
・[🔥Limited-time Upgrade] HK$1,000 Cash via FPS (automatically converted by 10,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
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💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!
The sim Credit Card is a must-have for online shopping enthusiasts! It offers an exclusive 8% cashback for online retail purchases, which is also applicable for booking flight tickets and hotels. Additionally, you can get 3% cashback on qualified local retail purchases at various designated merchants. With no income requirements and a high monthly eligible spending limit of up to $2,500, it can satisfy the online shopping needs of an average person. The sim Credit Card has no income-proof requirements, and you can finish the application process within 5 minutes.
The perfect credit card online shopping credit card for Slashers/students!
Features:
- Enjoy an 8% cashback on online retail purchases and a 3% cashback on qualified local retail purchases at various designated merchants. So you can easily buy what you want!
- Complete the sim Credit Card application in 5 minutes!
- Flexible credit limits allow you to withdraw cash at any time!
DBS Live Fresh Card: up to a 6% rebate for online shopping
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- Min. Annual Salary
- HK$150,000
- Cash back on Online Overseas spend
- 1%
- Cash Back for Designated Online Transaction
- 5%
From now until 30 June 2026, customers who successfully apply for DBS Live Fresh Card via MoneySmart, can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 e-Vouchers (over 20+ brands, including Apple, PARKnSHOP, HKTVmall and more) - no spending required! Click here to explore limitless possibilities (T&C applied)!
If you enjoy online shopping, the DBS Live Fresh Card is the card for you. With this card, you can earn up to 6% cashback on your purchases from a variety of 5% cash rebate rewards for various online spending categories, as well as a never-ending 1% cash rebate on foreign currency online purchases.
As for the 5% cash rebate rewards, remember to first register 1 out of 7 online transaction categories:
- foreign currency transactions,
- travel merchants,
- supermarkets,
- dining,
- entertainment,
- clothing,
- charitable donations.
DBS Live Fresh selected spending categories and explained
With the DBS Live Fresh credit card, you can change your selected category each month. The new category will take effect on the first day of the following month. The cash rebate is deducted directly from the relevant transaction amount on the DBS Card. You can now earn up to HK$150 in rebates each month. Additionally, online transactions in foreign currency can earn 1% DBS$, with no upper limit.
Features:
- 5% cash rebate on online shopping
- 1% cash rebate for online foreign currency transactions
- iFlexi online transaction interest-free repayment period for up to 90 days
- Flexi Travel offers an interest-free repayment period for travel and overseas transactions for up to 90 days
- Flexi Shopping “Enjoy First, Pay Later" plan for 10 monthly installments without handling fee
Hang Seng MMPower World Mastercard: 6% for overseas spending, 5% cashback for online spending, and 1% for selected categories
The Hang Seng MMPower World Mastercard is an excellent choice for those who frequently shop online and travel. This card provides up to a 6% +FUN Dollars rebate for travel and foreign currency transactions, a 5% rebate for online spending, and a 1% rebate for selected spending categories, such as dining, electronics, and entertainment (choose 2 out of 3). The accumulated +FUN Dollars can also be redeemed as cash at over 7,400 participating merchant stores.
But do note that the rebate has a specific requirement: you would need to spend at least HK$5,000 to be eligible for the rebate rate.
Features:
- 5% +FUN Dollars rebate for online retail transactions
- 6% +FUN Dollars rebate for foreign currency transactions
- Choose your transaction category (pick 2 out of 3: dining (excluding fast food), electronics, and entertainment) to earn 1% +FUN Dollars
- Permanent annual fee waiver
- Minimum annual income requirement: HK$150,000
HSBC Red Credit Card: 4% rebate for online spending
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- Min. Annual Salary
- HK$120,000
- RewardCash Rebate at designated merchants
- Up to 8%
- Welcome offer
- Up to $500 RewardCash
【Earn Trip.com promo codes & Up to HK$398 rewards at ZERO Cost + Limited-time Chance to Win $50,000 RewardCash】
🌟From now until 30 Jun 2026, new and existing credit card customers who successfully apply for a designated HSBC credit card through MoneySmart and submit a rewards redemption form on or before 15 Jul 2026, can enjoy an exclusive gift from MoneySmart: 🏖️Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code and 🎁ONE of the following exclusive rewards (choose one):
・ Doshisha Gorilla Calf Massager (Value: HK$398, random color)
・ Stanley The Quencher H2.0 Flowstate™ Tumbler 880ml / 30oz. (Value: HK$380, random color)
・ Branden Safe Plus Wallet Bag (Value: HK$305, random color)
Successfully apply for the card and complete designated tasks:
🌟 Enjoy bank welcome offer up to $500 RewardCash
🌟 Register to enter the 【Limited-Time Welcome Lucky Draw】—Guaranteed Prize: $50 RewardCash; orGrand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners)(Promotion ends 31 Jul 2026)!
HSBC Red Credit Card is a perfect match for your online shopping secret, with up to a 4% RewardCash rebate for first HK$12,500 online spending and unlimited 1% RewardCash on subsequent online spending each calendar month, and a 2% rebate for local supermarket spending. So go ahead and shop till you drop, and let the rewards roll in!
Features:
- HK$2.5/mile or 4% RewardCash rebate for online transactions
- Minimum annual income: HK$120,000
- With the Reward+ mobile app, you can use RewardCash to pay for your bills
- With the Reward+ mobile app, you can directly convert RewardCash into miles without handling fees
- Permanently waived annual fee
AEON CARD WAKUWAKU: 6% cashback on online spending
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- Min. Annual Salary
- HK$0
- Cash back on online shopping
- 6%
- Cash back on Japanese spending
- 3%
With the AEON CARD WAKUWAKU, you can enjoy up to 6% cashback on online purchases. Also, you can enjoy up to 3% cashback on retail purchases in Japan, with a maximum monthly cashback of $300.
Features
- There is no income requirement
- During the cardholder’s birthday month, an additional 4% cashback can be gained on overseas transactions, with a maximum cashback of HK$200
- On AEON Thank You Day, you can enjoy an additional 5% discount
- Permanently waived annual fee
Prime Credit UnionPay EarnMORE Card: 2% cashback for any transaction
- Min. Annual Salary
- HK$0
- Cash back on overseas spend
- 2%
- Cash back on local spend
- 2%
🌟Exclusive Deal Alert【PrimeCredit x MoneySmart - Welcome Offer up to HK$970 cash rewards】
MS Exclusive: From now until 30 June 2026, new customers who successfully applied for EarnMORE UnionPay Diamond Card via MoneySmart, can earn 2,000 SmartPoints without any spending and redeem HK$200 worth of vouchers in the Rewards Store (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc)!. Click here for more details. T&C applied. (fulfilled by MoneySmart)
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New PrimeCredit Credit Card Customers can also enjoy PrimeCredit Welcome Offer Extra HK$300 cash rebate AND one of the following Welcome offers:
・HK$670 cash rebate (included the extra up to 2% cash rebate)
・Philips RO Water Dispenser (ADD6901) (Suggested price: HK$2,488)
・Garmin Forerunner 165 GPS Smartwatch (Suggested price: HK$2,299)
・Up to HK$90K Interest-free and Handling Fee-free Cash Instalment Program
・Tertiary Student: HK$200 Cash Rebate (Extra reward fulfilled by PrimeCredit)
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See more details below
The Prime Credit UnionPay EarnMORE Card boasts a standout feature: no fees for international transactions. To sweeten the deal, there's even a special promotional period where global purchases earn a 2% cash rebate, making it a fantastic choice for globetrotters and business travelers. Essentially, this card rewards you with a 2% cashback on every purchase, online or otherwise. Note that the 1% extra rebate in 2% has a limit of HK$1,500 within the promotional period.
Features
- Local and overseas transactions: 2% cash rebate
- Tertiary students can apply without income proof
- Supports Apple Pay
- There is no fee for overseas transactions
Standard Chartered Cathay Mastercard: HK$4/mile for online spending
- Miles Conversion(Eligible spending on Cathay and HK Express)
- Up to HK$2=1 mile
- Miles Conversion (Eligible spending on dining, hotels and overseas category)
- HK$4 = 1 mile
- Bank Limited Time Welcome Offer
- 40,000 miles
【 ✈️ Beyond Miles: Get HK$900 Cash or a Top Brand Suitcase - No spending required!】
From now until 30 June 2026, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・New Smile LED 5th Gen Nano Teeth Whitening Set + 3 pcs Whitening Pen (Value: HK$3,980)
・Medicube Age-R Beauty Set (Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser 200ml) (Value: HK$1,970)
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・HK$900 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers
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The Standard Chartered Cathay Mastercard features an Asia Miles rewards program. Dining, online, and overseas transactions earn 1 mile per HK$4 spent. Cathay and HK Express-related purchases, including plane tickets and shopping, earn 1 mile per HK$2 spent. Other transactions, including the Octopus service, earn 1 mile per HK$6 spent. The card converts points to miles monthly at no extra cost.
Features:
- Basic transactions are HK$6/mile
- Minimum annual income: HK$96,000
- Automatic mileage conversion every month
- Free mileage conversion
- Selected items receive a 10% discount for Asia Miles conversion
- The overseas transaction fee is 1.95%
Other featured online shopping credit cards
HSBC Platinum Card: HK$4.17/mile for overseas online shopping
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- Min. Annual Salary
- HK$120,000
- Cash back on local spend
- Up to 2.4%
- Spending at PARKnSHOP, Watsons and Fortress
- Up to 6X MoneyBack Points
🐣5-Day Flash Sale【🔥 Earn up to HK$800 Voucher OR up to HK$2,600 Rewards🤩】
From 15 June to 19 June 2026, customers who successfully apply for HSBC easy Credit Card via MoneySmart, can exclusively enjoy one of the following gifts:
〖💰 Cash Rewards〗
・New Customers: HK$800 Apple Store Gift Card/ ParknShop e-Vouchers
・Existing Customers: HK$700 Apple Store Gfit Card/ ParknShop e-Vouchers; OR
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〖🎁 Exclusive Gifts〗
・ LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
・ Medicube Age-R Booster Cleanser + Booster Pro mini plus + PDRN Hydrating Gel Cleanser (Value: HK$1,970)
・ Acer Acerpure Chef Chef 2 in 1 Filp Air Fryer (KF754-70B) (Value: HK$1,298)
・ 4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) - Valid at 15+ locations across HKG, SIN, TPE, SYD & more. HKG Bonus: Choice of lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
HSBC Platinum Card can earn an extra 5 times "RewardCash" for online and overseas transactions, equivalent to HK$4.17/mile or 2.4% cashback if the "Red Hot Rewards of Your Choice" extra rewards are assigned to "Rewards of the World".
Features:
- The highest earning rate for "Red Hot Rewards of Your Choice" in 6 major categories is HK$4.17/mile or 2.4% cashback
- Minimum annual income: HK$150,000
- Use the Reward+ mobile app to use “RewardCash” to pay for your bill without any handling fees.
BOC Taobao World Mastercard: 0% service fee for Taobao and overseas online shopping
With BOC Taobao World Mastercard, you can enjoy a 0% service fee on Taobao through the AlipayHK App, on the "Mobile Taobao" App directly, or through the AlipayHK App. Please note that the "currency setting" for Taobao transactions must be set to "HKD" to enjoy a 0% service fee.
In addition, for transactions in foreign currency or HKD at overseas websites or physical stores, no foreign currency transaction fee is charged, saving 1.95% on the foreign currency transaction fee compared to general Visa and Mastercard credit cards.
Plus a basic cashback of 0.4%, overseas online shopping can effectively earn 2.35% cashback compared to other credit cards.
Features:
- In a basic transaction of HK$1 = 1 point, 25,000 points can be exchanged for $100 (0.4%) cashback
- Minimum annual income: HK$150,000
- 0% foreign currency transaction fee for overseas transactions
- Exclusive World Mastercard-level benefits
- Permanent annual fee waiver (HK$3,800)
CNCBI Motion Credit Card: 6% Cashback for online shopping
- Min. Annual Salary
- HK$96,000
- Cash Back on Dining, Online and Foreign Currency Spending
- 6%
- Annual Fee Wavier
- First-Year
The CNCBI Motion Credit Card offers 6% (0.5% basic + 5.5% extra) cashback for online transactions this year. The monthly limit for the additional 5.5% cashback on online transactions is HK$200.
Features:
- 6% cashback on online shopping
- Minimum annual income: HK$96,000
- First-year annual fee waiver
- The welcome offer for the first 3 months is an 10% cashback on eligible foreign transactions (up to a maximum of HK$1,000).
How to choose a suitable online shopping credit card
When we choose a suitable online shopping credit card, we need to compare the "rebate rate" and also consider the "spending conditions" and "maximum rebate" to compare and find the best credit card.
"Rebate rate": Cashback for online transactions
"Spending conditions": local/overseas transactions, designated merchants, minimum spending amount
"Maximum rebate": The highest monthly rebate limit
In addition, we should also pay attention to other related factors, such as the annual fee, interest-free period, and other additional offers, to fully understand the advantages and limitations of each credit card.
Frequently asked questions: Cashback Credit Cards
What is the cashback rate of the sim credit card?
The sim Credit Card offers an 8% cashback on online retail purchases.
Which credit card offers the highest rate of cashback for online shopping?
The sim Credit Card and sim World Mastercard offer the highest cashback rate of 8% for online shopping.
What is the monthly cashback limit of the AEON CARD WAKUWAKU?
The AEON CARD WAKUWAKU has a monthly cashback limit of HK$300.
Which credit card offers the lowest rate for earning miles?
The HSBC Red Credit Card offers the lowest rate for earning miles, at HK$2.5/mile.
What are the spending conditions to consider when choosing an online shopping credit card?
When choosing an online shopping credit card, you should consider factors such as whether the card offers cashback for local or international transactions, if there are designated merchants, and if there is a minimum spending amount.
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