Premier Credit Card
- Bank
- OCBC Bank (Hong Kong)
- Issuer
- Premier
- 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 | 0.8% | Conditions and calculation
Local food and beverage spending: 0.8% cash rebate: 0.8%
|
| Fine dining | ||
| Local dining | 0.8% | Conditions and calculation
Local food and beverage spending: 0.8% cash rebate: 0.8%
|
| Fast food | ||
| Food delivery | ||
| Cafés, bakeries and desserts | ||
| Groceries | ||
| Markets | ||
| Supermarkets | ||
| Convenience stores | ||
| Shopping | ||
| Fashion | ||
| Sports and outdoors | ||
| Department stores | ||
| Electronics | ||
| Home and furniture | ||
| Jewellery and watches | ||
| Books and stationery | ||
| Pet supplies | ||
| Online shopping | 5% | Conditions and calculation
Designated online purchase platforms: 5% extra cash rebate for existing cardholders: 5%
|
| Overseas online shopping | 5% | Conditions and calculation
Designated online purchase platforms: 5% extra cash rebate for existing cardholders: 5%
|
| Local online shopping | 5% | Conditions and calculation
Designated online purchase platforms: 5% extra cash rebate for existing cardholders: 5%
|
| Online groceries | 5% | Conditions and calculation
Designated online purchase platforms: 5% extra cash rebate for existing cardholders: 5%
|
| Online fashion and sports | 5% | Conditions and calculation
Designated online purchase platforms: 5% extra cash rebate for existing cardholders: 5%
|
| Transport | ||
| Local transport | ||
| Parking | ||
| Fuel and EV charging | ||
| Taxis, rides and car rental | ||
| Travel | ||
| Hotels | ||
| Travel bookings | ||
| Airlines | ||
| Travel agencies | ||
| Entertainment | ||
| Cinemas | ||
| Games | ||
| Streaming | ||
| Theme parks and attractions | ||
| Concerts and tickets | ||
| Bills and utilities | ||
| Telecommunications | ||
| Government payments | ||
| Electricity and gas | ||
| Water | ||
| Health and wellness | ||
| Medical services | ||
| Pharmacies and supplements | ||
| Fitness | ||
| Beauty and personal care | ||
| Education | ||
| Tuition and courses | ||
| Overseas spending | 0.8% | Conditions and calculation
Overseas spending: 0.8% cash rebate: 0.8%
|
| Mainland China spending | ||
| Macau spending | ||
| E-wallet spending | ||
| E-wallet top-ups | 0.5% | Conditions and calculation
Octopus Automatic Add-Value reloads: 0.5% cash rebate: 0.5%
|
| WeChat Pay | ||
| AlipayHK | ||
| Octopus | 0.5% | Conditions and calculation
Octopus Automatic Add-Value reloads: 0.5% cash rebate: 0.5%
|
| PayMe | ||
| Mobile payments | ||
| Google Pay | ||
| Apple Pay | ||
| Samsung Pay | ||
| Insurance | ||
| Rent | ||
| Charitable donations | ||
| Loans and installments | 0.5% | Conditions and calculation
Monthly car loan repayment: 0.5% cash rebate: 0.5%
|
| Other | 0.5% | Conditions and calculation
Other retail transactions: 0.5% cash rebate: 0.5%
|
Promotion offers and card offers are separate. Combined eligibility is not assumed.
Promotion offers (3)
Designated online purchase platforms: 6% extra cash rebate6%rateConditions applyCashbackPeriod LimitedotherMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: other · Customer status: new
- Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Designated online platform cash rebate per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- Available to OCBC Premier Banking customers. New cardholders are principal applicants who have not held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the prior 13 months. The application must be approved during the promotion period for the 6% tier. Eligible retail transactions must total at least HKD 5,000 in each calendar month, and the cardholder must also spend on a designated online platform in that month. Transactions must post by the 15th of the following month. Exclusions include instalment amounts, car loan repayments, cash advances, bill and tax payments, insurance premiums, bank fees, online payment-system transactions to designated merchants, stored-value and e-wallet purchases or reloads, financial-service transactions, transfers, fund or stock payments, property payments, charity transactions, unposted, cancelled or refunded transactions, split bills, and unauthorised or fraudulent transactions. Rebate is credited within 90 days after each month. The account must be valid and in good standing when credited. The rebate offsets the statement balance and cannot be withdrawn as cash. It cannot combine with other card promotions except the welcome offer.
- Online purchase platform promotion period: 2026-01-01 – 2026-12-31
Designated online purchase platforms: 5% extra cash rebate for new cardholders5%rateConditions applyCashbackPeriod LimitedotherMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: other · Customer status: new
- Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Designated online platform cash rebate per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- Available to OCBC Premier Banking customers. Applies to qualifying new cardholders after the first three consecutive months from card issuance. New cardholders are principal applicants who have not held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the prior 13 months. Eligible retail transactions must total at least HKD 5,000 in each calendar month, and the cardholder must also spend on a designated online platform in that month. Transactions must post by the 15th of the following month. Exclusions include instalment amounts, car loan repayments, cash advances, bill and tax payments, insurance premiums, bank fees, online payment-system transactions to designated merchants, stored-value and e-wallet purchases or reloads, financial-service transactions, transfers, fund or stock payments, property payments, charity transactions, unposted, cancelled or refunded transactions, split bills, and unauthorised or fraudulent transactions. Rebate is credited within 90 days after each month. The account must be valid and in good standing when credited. The rebate offsets the statement balance and cannot be withdrawn as cash. It cannot combine with other card promotions except the welcome offer.
- Online purchase platform promotion period: 2026-01-01 – 2026-12-31
Designated online purchase platforms: 5% extra cash rebate for existing cardholders5%rateCashbackPeriod LimitedotherMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: other · Customer status: existing
- Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Designated online platform cash rebate per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Available to OCBC Premier Banking customers. Applies to existing cardholders. Eligible retail transactions must total at least HKD 5,000 in each calendar month, and the cardholder must also spend on a designated online platform in that month. Transactions must post by the 15th of the following month. Exclusions include instalment amounts, car loan repayments, cash advances, bill and tax payments, insurance premiums, bank fees, online payment-system transactions to designated merchants, stored-value and e-wallet purchases or reloads, financial-service transactions, transfers, fund or stock payments, property payments, charity transactions, unposted, cancelled or refunded transactions, split bills, and unauthorised or fraudulent transactions. Rebate is credited within 90 days after each month. The account must be valid and in good standing when credited. The rebate offsets the statement balance and cannot be withdrawn as cash. It cannot combine with other card promotions except the welcome offer.
- Online purchase platform promotion period: 2026-01-01 – 2026-12-31
Credit card offers (12)
Designated online purchase platforms: 6% extra cash rebate6%rateConditions applyCashbackPeriod LimitedotherMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: other · Customer status: new
- Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Designated online platform cash rebate per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- Available to OCBC Premier Banking customers. New cardholders are principal applicants who have not held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the prior 13 months. The application must be approved during the promotion period for the 6% tier. Eligible retail transactions must total at least HKD 5,000 in each calendar month, and the cardholder must also spend on a designated online platform in that month. Transactions must post by the 15th of the following month. Exclusions include instalment amounts, car loan repayments, cash advances, bill and tax payments, insurance premiums, bank fees, online payment-system transactions to designated merchants, stored-value and e-wallet purchases or reloads, financial-service transactions, transfers, fund or stock payments, property payments, charity transactions, unposted, cancelled or refunded transactions, split bills, and unauthorised or fraudulent transactions. Rebate is credited within 90 days after each month. The account must be valid and in good standing when credited. The rebate offsets the statement balance and cannot be withdrawn as cash. It cannot combine with other card promotions except the welcome offer.
- Online purchase platform promotion period: 2026-01-01 – 2026-12-31
Designated online purchase platforms: 5% extra cash rebate for new cardholders5%rateConditions applyCashbackPeriod LimitedotherMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: other · Customer status: new
- Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Designated online platform cash rebate per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- Available to OCBC Premier Banking customers. Applies to qualifying new cardholders after the first three consecutive months from card issuance. New cardholders are principal applicants who have not held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the prior 13 months. Eligible retail transactions must total at least HKD 5,000 in each calendar month, and the cardholder must also spend on a designated online platform in that month. Transactions must post by the 15th of the following month. Exclusions include instalment amounts, car loan repayments, cash advances, bill and tax payments, insurance premiums, bank fees, online payment-system transactions to designated merchants, stored-value and e-wallet purchases or reloads, financial-service transactions, transfers, fund or stock payments, property payments, charity transactions, unposted, cancelled or refunded transactions, split bills, and unauthorised or fraudulent transactions. Rebate is credited within 90 days after each month. The account must be valid and in good standing when credited. The rebate offsets the statement balance and cannot be withdrawn as cash. It cannot combine with other card promotions except the welcome offer.
- Online purchase platform promotion period: 2026-01-01 – 2026-12-31
Designated online purchase platforms: 5% extra cash rebate for existing cardholders5%rateCashbackPeriod LimitedotherMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: other · Customer status: existing
- Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Designated online platform cash rebate per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Available to OCBC Premier Banking customers. Applies to existing cardholders. Eligible retail transactions must total at least HKD 5,000 in each calendar month, and the cardholder must also spend on a designated online platform in that month. Transactions must post by the 15th of the following month. Exclusions include instalment amounts, car loan repayments, cash advances, bill and tax payments, insurance premiums, bank fees, online payment-system transactions to designated merchants, stored-value and e-wallet purchases or reloads, financial-service transactions, transfers, fund or stock payments, property payments, charity transactions, unposted, cancelled or refunded transactions, split bills, and unauthorised or fraudulent transactions. Rebate is credited within 90 days after each month. The account must be valid and in good standing when credited. The rebate offsets the statement balance and cannot be withdrawn as cash. It cannot combine with other card promotions except the welcome offer.
- Online purchase platform promotion period: 2026-01-01 – 2026-12-31
OCBC Premier Credit Card HK$600 welcome cash rebate600HKD savingConditions applyCashbackotherMinimum spending: HK$8,000.00
- Eligibility: Audience: other · Customer status: new
- Eligible spending: Type: all
- Requirements: Period spend ≥: HK$8,000.00
- Benefit limit: Applies to: Welcome cash rebate · Period: not stated · Type: not stated
- Percentage note: Threshold equivalent calculation: HKD 600 / HKD 8,000 × 100 = 7.5%. Rounded to one decimal place. The effective rate decreases when eligible spending exceeds HKD 8,000.
- Application or registration is required.
- Available to OCBC Premier Banking customers. The principal applicant must not have held an OCBC credit card, including a co-branded card, in the prior 13 months. Accumulate at least HKD 8,000 in eligible spend within three months after card issuance. Eligible spend includes retail purchases and cash advances. Exclusions include instalments, bill payments, unposted, cancelled, refunded, fraudulent, or unauthorised transactions, car loan repayments, and e-wallet reloads. The rebate is credited to the principal card account within eight weeks after the spend requirement is met. The account must remain valid, not delinquent, and in good standing when credited. Each applicant can receive this welcome offer once. The rebate cannot be transferred, returned, or redeemed for cash.
Local food and beverage spending: 0.8% cash rebate0.8%rateCashbackother
- Eligibility: Audience: other
- Eligible spending: Applies to: 本地餐飲 · Type: category
- Benefit limit: Applies to: Local food and beverage cash rebate · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. The product page states 0.8% cash rebate on all local food and beverage spending.
Overseas spending: 0.8% cash rebate0.8%rateCashbackother
- Eligibility: Audience: other
- Eligible spending: Applies to: 海外簽賬 · Type: category
- Benefit limit: Applies to: Overseas spending cash rebate · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. Excludes internet transactions and Hong Kong dollar transactions made outside Hong Kong.
Other retail transactions: 0.5% cash rebate0.5%rateCashbackother
- Eligibility: Audience: other
- Eligible spending: Applies to: 其他 · Type: category
- Benefit limit: Applies to: Other retail cash rebate · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. Applies to other retail transactions stated on the product page.
Monthly car loan repayment: 0.5% cash rebate0.5%rateCashbackother
- Eligibility: Audience: other
- Eligible spending: Applies to: 借貸/分期付款 · Type: category
- Benefit limit: Applies to: Monthly car loan repayment cash rebate · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. Applies to monthly car loan repayments stated on the product page.
Octopus Automatic Add-Value reloads: 0.5% cash rebate0.5%rateCashbackother
- Eligibility: Audience: other
- Eligible spending: Applies to: 八達通 · Type: category
- Benefit limit: Applies to: Octopus Automatic Add Value cash rebate · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. Applies to Octopus Automatic Add-Value reloads stated on the product page.
Annual fee waiver on OCBC Premier Credit Card（優惠值未列明）—Value not statedFee Waiverother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Annual fee waiver · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. The product page states a perpetual annual fee waiver. The payable annual fee amount is not stated for this card.
DragonPass airport lounge access from USD 32 per guest per visitAt least32USD priceTravelother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Airport lounge access charge · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. Access is to DragonPass participating lounges worldwide. The page states a charge as low as USD 32 per person per visit for all guests. Download the Mastercard Travel Pass mobile app to use the lounge service.
Flexi-Money interest-free instalment plan（優惠值未列明）—Value not statedFinancingother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Flexi Money interest free instalment plan · Period: not stated · Type: not stated
- Available to OCBC Premier Banking customers. The product page states flexible, interest-free repayments but does not state the plan's eligibility, repayment rules, or fees.