ICBC Dual Currency Credit Card UnionPay Diamond

Bank: ICBC (Asia)
Issuer: ICBC
Annual fee
Income requirement
Network
Verified date
Official website

Saving by category

Estimated saving at the selected amount. Conditions apply. Blank values have no supported estimate.

Category	Saved percentage	Conditions
Dining	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Fine dining	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Local dining	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Fast food	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Food delivery	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Cafés, bakeries and desserts	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Groceries	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Markets	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Supermarkets	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Convenience stores	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Shopping	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Fashion	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Sports and outdoors	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Department stores	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Electronics	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Home and furniture	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Jewellery and watches	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Books and stationery	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Pet supplies	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Online shopping	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Overseas online shopping	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Local online shopping	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Online groceries	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Online fashion and sports	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Transport	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Local transport	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Parking	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Fuel and EV charging	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Taxis, rides and car rental	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Travel	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Hotels	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Travel bookings	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Airlines	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Travel agencies	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Entertainment	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Cinemas	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Games	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Streaming	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Theme parks and attractions	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Concerts and tickets	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Bills and utilities	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Telecommunications	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Government payments	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Electricity and gas	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Water	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Health and wellness	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Medical services	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Pharmacies and supplements	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Fitness	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Beauty and personal care	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Education	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Tuition and courses	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Overseas spending	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Mainland China spending	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Macau spending	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
E-wallet spending	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
E-wallet top-ups	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
WeChat Pay
AlipayHK
Octopus	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
PayMe	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Mobile payments	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Google Pay	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Apple Pay	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Samsung Pay	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Insurance	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Rent	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Charitable donations	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Loans and installments	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗
Other	0.5%	Conditions and calculation The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. Applies to all eligible spending, subject to the conditions. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：0.5% cash rebate: 0.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: not stated Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated. The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage. The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate. HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1. The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement. The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence. Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together. Open source offer ↗

Promotion offers and card offers are separate. Combined eligibility is not assumed.

Promotion offers (5)

中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$200現金回贈

Up to200HKD saving

Conditions applyCashbackPeriod LimitedMinimum spending: HK$10,000.00

Eligibility: Audience: all
Eligible spending: Applies to: 借貸/分期付款 · Type: category
Minimum requirement: Period: per transaction · Spend: HK$10,000.00
Requirements: Transaction Spend Below Cents: HK$20,000.00
Benefit limit: Period: not stated · Type: not stated
Percentage note: Threshold equivalent maximum: HK$200 ÷ HK$10,000 × 100 = 2.00%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$10,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$10,000–HK$19,999.
Application or registration is required.
分期金額HK$10,000至HK$19,999：高達HK$200現金回贈。
須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
HK$10,000至HK$19,999分期金額的現金回贈: Now – 2026-12-31

Open source offer ↗

中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$350現金回贈

Up to350HKD saving

Conditions applyCashbackPeriod LimitedMinimum spending: HK$20,000.00

Eligibility: Audience: all
Eligible spending: Applies to: 借貸/分期付款 · Type: category
Minimum requirement: Period: per transaction · Spend: HK$20,000.00
Requirements: Transaction Spend Below Cents: HK$50,000.00
Benefit limit: Period: not stated · Type: not stated
Percentage note: Threshold equivalent maximum: HK$350 ÷ HK$20,000 × 100 = 1.75%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$20,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$20,000–HK$49,999.
Application or registration is required.
分期金額HK$20,000至HK$49,999：高達HK$350現金回贈。
須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
HK$20,000至HK$49,999分期金額的現金回贈: Now – 2026-12-31

Open source offer ↗

中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$550現金回贈

Up to550HKD saving

Conditions applyCashbackPeriod LimitedMinimum spending: HK$50,000.00

Eligibility: Audience: all
Eligible spending: Applies to: 借貸/分期付款 · Type: category
Minimum requirement: Period: per transaction · Spend: HK$50,000.00
Requirements: Transaction Spend Below Cents: HK$100,000.00
Benefit limit: Period: not stated · Type: not stated
Percentage note: Threshold equivalent maximum: HK$550 ÷ HK$50,000 × 100 = 1.10%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$50,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$50,000–HK$99,999.
Application or registration is required.
分期金額HK$50,000至HK$99,999：高達HK$550現金回贈。
須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
HK$50,000至HK$99,999分期金額的現金回贈: Now – 2026-12-31

Open source offer ↗

中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$800現金回贈

Up to800HKD saving

Conditions applyCashbackPeriod LimitedMinimum spending: HK$100,000.00

Eligibility: Audience: all
Eligible spending: Applies to: 借貸/分期付款 · Type: category
Minimum requirement: Period: per transaction · Spend: HK$100,000.00
Benefit limit: Period: not stated · Type: not stated
Percentage note: Threshold equivalent maximum: HK$800 ÷ HK$100,000 × 100 = 0.80%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$100,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$100,000 or more.
Application or registration is required.
分期金額HK$100,000或以上：高達HK$800現金回贈。
須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
HK$100,000或以上分期金額的現金回贈: Now – 2026-12-31

Open source offer ↗

ICBC信用卡送環亞貴賓室禮遇1次

1次 quantity

Conditions applyTravelPeriod Limited

Eligibility: Audience: all · Customer status: new
Eligible spending: Type: not applicable
Benefit limit: Applies to: 環亞貴賓室禮遇名額 · Period: not stated · Type: not stated
Application or registration is required.
推廣期內，全新信用卡客戶須成功申請及啟動合資格ICBC信用卡，並完成一筆任意金額的合資格簽賬，方可獲贈1次環亞貴賓室禮遇。可選擇於全新環亞貴賓室香港西九龍高鐵站或環亞貴賓室香港國際機場二號客運大樓使用。優惠名額有限，先到先得，額滿即止。受有關條款及細則約束；詳情見來源所列連結。
環亞貴賓室禮遇推廣期: 2026-10-01 – 2026-12-31

Open source offer ↗

Credit card offers (5)

積分獎賞：HK$8 = 1 PhoenixMiles mileage

1PhoenixMiles rate

Conditions applyPoints

Eligibility: Audience: all
Eligible spending: Type: all
Benefit limit: Period: not stated · Type: not stated
Percentage note: This is a mileage conversion rate. The local source does not state a cash equivalent value.
Application or registration is required.
The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage.
The mileage option states HKD/RMB$8 spending = 1 KM, and the description states that every HK$8 is converted to 1 PhoenixMiles mileage.
The source states that PhoenixMiles Mileage Rewards cover 21 countries and 100 cities and that 8,000 km is enough for a one-way short-haul flight ticket.
PhoenixMiles Mileage Rewards are subject to the relevant terms and conditions of ICBC (Asia), PhoenixMiles and Air China; the linked terms are not used as evidence.
The mileage choice is an alternative to the cash-rebate option; alternatives in this reward group are not counted together.

Open source offer ↗

現金回贈：0.5% cash rebate

0.5%saving

Cashback

Eligibility: Audience: all
Eligible spending: Type: all
Benefit limit: Period: not stated · Type: not stated
Percentage note: The page states a 0.5% cash rebate for every HKD/RMB1 spent. The rebate is calculated monthly and shown on the statement; no numeric cap is stated.
The Rewards Program states that every HKD/RMB spent with the card earns 1 point and accumulated points can be redeemed for a cash coupon or mileage.
The cash-rebate option states that every dollar spent in HKD or RMB with the card entitles the cardholder to 0.5% cash rebate.
HKD and RMB spending are combined for accumulated transaction amount calculation; RMB¥1 spending is calculated as HKD$1.
The rebate amount is calculated automatically on a monthly basis, credited to the HKD account, and shown on the statement.
The cash-rebate option is subject to the linked Spending Rewards terms; the linked page is not used as evidence.
Cash rebate is an alternative to the mileage option; alternatives in this reward group are not counted together.

Open source offer ↗

卡片優惠：Payment and travel convenience across the Greater Bay Area

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: Non spending payment and travel convenience feature; no numeric rate is stated.
Cardholders can enjoy a hassle-free journey across the Greater Bay Area through a series of convenient payment services with the card.
The named services are designated Hong Kong taxis, the Hong Kong-Zhuhai-Macau Bridge cross-bridge fare, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machine, Shenzhen taxis and Guangzhou public buses.
The source states payment convenience only; it does not state a discount, rebate, cap or travel-insurance benefit.

Open source offer ↗

卡片優惠：HKD and RMB accounts in one card

—Value not stated

Other

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: Non spending dual currency card feature; no numeric rate is stated.
The card has both HKD and RMB accounts in one card.
Cardholders can spend with the local currency across Mainland China and Hong Kong.
This is a card feature, not a transaction reward.

Open source offer ↗

手機支付：UnionPay App binding for Hong Kong, Macao and cross-border privileges

—Value not stated

Conditions applyLifestyleunionpay app

Eligibility: Audience: all
Eligible spending: Type: not applicable
Requirements: Pay with: unionpay app
Benefit limit: Period: not stated · Type: not stated
Percentage note: Non spending mobile payment feature; no numeric rate is stated.
Application or registration is required.
The cardholder must download the UnionPay App with a mobile phone and bind it with the ICBC Dual Currency Credit Card - UnionPay Diamond Card.
The source states access to numerous Hong Kong, Macao and cross-border privileges but gives no specific privilege rate or cap; linked UnionPay details are not used as evidence.

Open source offer ↗