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Circle K Convenience Store

Latest offers

Card reward only
HK$50.005%
Purchase amount
HK$1,000.00
Reward rate
5%
Estimated net cost
HK$950.00
standard chartered smart credit cardView details
HK$1,000.00 purchase
Calculation
HK$50.00
  • Selected amount: HK$1,000.00
  • Purchase amount: HK$1,000.00
  • Promotion saving: HK$0.00
  • Card payment: HK$1,000.00
  • Card reward: HK$50.00
  • Additional charges: HK$0.00
  • Estimated net cost: HK$950.00

HK$50.00 ÷ HK$1,000.00 = 5%

Terms & conditions
  • Confirm offer eligibility: Audience: Resident; Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1-month computer-generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3-month documents. Self-employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents..
  • Assumes the full eligible spending limit remains available. Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account
  • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
  • Merchant category is not stated; only the matched merchant reward scenario is estimated.

Smart Card designated merchants 4.44% Extra CashBack

  • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
  • Eligible spending: Applies to: china mobile hong kong / s ash / circle k convenience store / foodpanda / hktvmall / klook / mcdonalds hong kong / parknshop / watsons / sasa · Type: merchant
  • Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
  • Benefit limit: Amount: 5000 · Applies to: Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
  • The table tier is Monthly Eligible Spending of HKD4,000 to HKD14,999, measured from accumulated Eligible Transactions in each monthly statement cycle. The page says no separate cashback registration is needed and the offer is available every day. CashBack is credited to the Card account. The first HKD5,000 of qualifying Designated Merchant transactions per Card account per statement cycle can earn Extra CashBack; excess amounts count as Other Eligible Transactions and earn Basic CashBack. The listed merchants include China Mobile Hong Kong, s/ash, Circle K, Foodpanda, HKTVmall, Klook, McDonald’s Hong Kong, PARKnSHOP and its named stores/eShop, Watsons retail stores/eShop, and Sasa retail stores. HK Ticketing is also listed, but its stated promotion end date is 14 February 2026, before this promotion period. Eligible transactions must be completed and posted in a statement cycle in 2026, and the merchant name must appear in the statement as determined by the Bank. For interest-free merchant instalments, only the instalment amount posted during the promotion period earns CashBack, paid monthly. The 5% total shown includes Basic CashBack; it is not an additional reward. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
  • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
  • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
  • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
  • The PDF refers the promotion period, Designated Merchant list, and total Spending Cap to a web page. These details are not stated in the retained PDF.
  • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
  • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
  • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
  • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
  • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
  • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

Open source offer ↗

Eligible Smart Card transactions 0.56% Basic CashBack

  • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
  • Eligible spending: Type: all
  • Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
  • Benefit limit: Applies to: Basic CashBack for Eligible Transactions per monthly statement cycle · Period: per statement period · Type: unlimited
  • The table tier is Monthly Eligible Spending of HKD4,000 to HKD14,999, measured from accumulated Eligible Transactions in each monthly statement cycle. No CashBack is awarded when monthly spending is below HKD4,000. CashBack is credited to the Card account. The page says the 5% total at Designated Merchants includes Basic CashBack; it is not an additional reward. Eligible Transactions are defined by Clause 3 of the Rewards Scheme Terms and Conditions, which is not included on this page. The page says no separate cashback registration is needed. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
  • This tier applies when Monthly Eligible Spending is HK$4,000 to HK$14,999, inclusive. No CashBack is awarded below HK$4,000.
  • This rate is for Other Eligible Transactions. Designated Merchant transactions within the Spending Cap use the stated 5% rate; amounts above that cap count as Other Eligible Transactions.
  • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
  • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
  • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
  • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
  • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
  • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
  • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
  • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
  • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

Open source offer ↗

  1. 0101/Other×circle-k-convenience-storeSmart Card designated merchants 4.44% Extra CashBackStandard Chartered Smart Credit Card4.44%rate
    01/Other×circle-k-convenience-store
    Other

    Smart Card designated merchants 4.44% Extra CashBack

    Standard Chartered Smart Credit Card4.44%rate
    CashbackPeriod LimitedresidentMinimum spending: HK$4,000.00Cap: HK$5,000.00 · per statement period
    Offer details

    4.44% rate

    Terms & conditions
    • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
    • Eligible spending: Applies to: china mobile hong kong / s ash / circle k convenience store / foodpanda / hktvmall / klook / mcdonalds hong kong / parknshop / watsons / sasa · Type: merchant
    • Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
    • Benefit limit: Amount: 5000 · Applies to: Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
    • The table tier is Monthly Eligible Spending of HKD4,000 to HKD14,999, measured from accumulated Eligible Transactions in each monthly statement cycle. The page says no separate cashback registration is needed and the offer is available every day. CashBack is credited to the Card account. The first HKD5,000 of qualifying Designated Merchant transactions per Card account per statement cycle can earn Extra CashBack; excess amounts count as Other Eligible Transactions and earn Basic CashBack. The listed merchants include China Mobile Hong Kong, s/ash, Circle K, Foodpanda, HKTVmall, Klook, McDonald’s Hong Kong, PARKnSHOP and its named stores/eShop, Watsons retail stores/eShop, and Sasa retail stores. HK Ticketing is also listed, but its stated promotion end date is 14 February 2026, before this promotion period. Eligible transactions must be completed and posted in a statement cycle in 2026, and the merchant name must appear in the statement as determined by the Bank. For interest-free merchant instalments, only the instalment amount posted during the promotion period earns CashBack, paid monthly. The 5% total shown includes Basic CashBack; it is not an additional reward. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
    • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
    • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
    • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
    • The PDF refers the promotion period, Designated Merchant list, and total Spending Cap to a web page. These details are not stated in the retained PDF.
    • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
    • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
    • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
    • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
    • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
    • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

    Open source offer ↗

    Related credit cards
    Standard Chartered Smart Credit CardStandard Chartered Smart Credit Card
  2. 0202/Other×circle-k-convenience-storeSmart Card designated merchants 3.80% Extra CashBackStandard Chartered Smart Credit Card3.8%rate
    02/Other×circle-k-convenience-store
    Other

    Smart Card designated merchants 3.80% Extra CashBack

    Standard Chartered Smart Credit Card3.8%rate
    CashbackPeriod LimitedresidentMinimum spending: HK$15,000.00Cap: HK$5,000.00 · per statement period
    Offer details

    3.8% rate

    Terms & conditions
    • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
    • Eligible spending: Applies to: china mobile hong kong / s ash / circle k convenience store / foodpanda / hktvmall / klook / mcdonalds hong kong / parknshop / watsons / sasa · Type: merchant
    • Requirements: Period spend ≥: HK$15,000.00
    • Benefit limit: Amount: 5000 · Applies to: Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
    • The table shows a Monthly Eligible Spending row labelled exactly HKD15,000. It does not state “or above” or give an upper boundary, so eligibility beyond that stated amount is unresolved. The first HKD5,000 of qualifying Designated Merchant transactions per Card account per statement cycle can earn Extra CashBack; excess amounts count as Other Eligible Transactions and earn Basic CashBack. The page says no separate cashback registration is needed. Eligible transactions must be completed and posted in a statement cycle in 2026, and the merchant name must appear in the statement as determined by the Bank. For interest-free merchant instalments, only the instalment amount posted during the promotion period earns CashBack, paid monthly. The 5% total shown includes Basic CashBack; it is not an additional reward. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
    • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
    • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
    • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
    • The PDF refers the promotion period, Designated Merchant list, and total Spending Cap to a web page. These details are not stated in the retained PDF.
    • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
    • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
    • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
    • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
    • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
    • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

    Open source offer ↗

    Related credit cards
    Standard Chartered Smart Credit CardStandard Chartered Smart Credit Card
2 / 2

Source-listed offers. Check terms.

Credit cards

Card reward
HK$50.005%
Purchase amount
HK$1,000.00
Reward rate
5%
Estimated net cost
HK$950.00
standard chartered smart credit cardView details
HK$1,000.00 purchase
Calculation
HK$50.00
  • Selected amount: HK$1,000.00
  • Purchase amount: HK$1,000.00
  • Promotion saving: HK$0.00
  • Card payment: HK$1,000.00
  • Card reward: HK$50.00
  • Additional charges: HK$0.00
  • Estimated net cost: HK$950.00

HK$50.00 ÷ HK$1,000.00 = 5%

Terms & conditions
  • Confirm offer eligibility: Audience: Resident; Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1-month computer-generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3-month documents. Self-employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents..
  • Assumes the full eligible spending limit remains available. Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account
  • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
  • Merchant category is not stated; only the matched merchant reward scenario is estimated.

Smart Card designated merchants 4.44% Extra CashBack

  • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
  • Eligible spending: Applies to: china mobile hong kong / s ash / circle k convenience store / foodpanda / hktvmall / klook / mcdonalds hong kong / parknshop / watsons / sasa · Type: merchant
  • Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
  • Benefit limit: Amount: 5000 · Applies to: Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
  • The table tier is Monthly Eligible Spending of HKD4,000 to HKD14,999, measured from accumulated Eligible Transactions in each monthly statement cycle. The page says no separate cashback registration is needed and the offer is available every day. CashBack is credited to the Card account. The first HKD5,000 of qualifying Designated Merchant transactions per Card account per statement cycle can earn Extra CashBack; excess amounts count as Other Eligible Transactions and earn Basic CashBack. The listed merchants include China Mobile Hong Kong, s/ash, Circle K, Foodpanda, HKTVmall, Klook, McDonald’s Hong Kong, PARKnSHOP and its named stores/eShop, Watsons retail stores/eShop, and Sasa retail stores. HK Ticketing is also listed, but its stated promotion end date is 14 February 2026, before this promotion period. Eligible transactions must be completed and posted in a statement cycle in 2026, and the merchant name must appear in the statement as determined by the Bank. For interest-free merchant instalments, only the instalment amount posted during the promotion period earns CashBack, paid monthly. The 5% total shown includes Basic CashBack; it is not an additional reward. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
  • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
  • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
  • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
  • The PDF refers the promotion period, Designated Merchant list, and total Spending Cap to a web page. These details are not stated in the retained PDF.
  • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
  • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
  • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
  • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
  • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
  • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

Open source offer ↗

Eligible Smart Card transactions 0.56% Basic CashBack

  • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
  • Eligible spending: Type: all
  • Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
  • Benefit limit: Applies to: Basic CashBack for Eligible Transactions per monthly statement cycle · Period: per statement period · Type: unlimited
  • The table tier is Monthly Eligible Spending of HKD4,000 to HKD14,999, measured from accumulated Eligible Transactions in each monthly statement cycle. No CashBack is awarded when monthly spending is below HKD4,000. CashBack is credited to the Card account. The page says the 5% total at Designated Merchants includes Basic CashBack; it is not an additional reward. Eligible Transactions are defined by Clause 3 of the Rewards Scheme Terms and Conditions, which is not included on this page. The page says no separate cashback registration is needed. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
  • This tier applies when Monthly Eligible Spending is HK$4,000 to HK$14,999, inclusive. No CashBack is awarded below HK$4,000.
  • This rate is for Other Eligible Transactions. Designated Merchant transactions within the Spending Cap use the stated 5% rate; amounts above that cap count as Other Eligible Transactions.
  • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
  • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
  • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
  • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
  • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
  • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
  • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
  • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
  • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

Open source offer ↗

  1. 0101/Standard Charteredstandard chartered smart credit cardStandard Chartered Smart Credit Card5%HK$50.00
    Calculation
    HK$50.00
    • Selected amount: HK$1,000.00
    • Purchase amount: HK$1,000.00
    • Promotion saving: HK$0.00
    • Card payment: HK$1,000.00
    • Card reward: HK$50.00
    • Additional charges: HK$0.00
    • Estimated net cost: HK$950.00

    HK$50.00 ÷ HK$1,000.00 = 5%

    Terms & conditions
    • Confirm offer eligibility: Audience: Resident; Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1-month computer-generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3-month documents. Self-employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents..
    • Assumes the full eligible spending limit remains available. Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account
    • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
    • Merchant category is not stated; only the matched merchant reward scenario is estimated.

    Smart Card designated merchants 4.44% Extra CashBack

    • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
    • Eligible spending: Applies to: china mobile hong kong / s ash / circle k convenience store / foodpanda / hktvmall / klook / mcdonalds hong kong / parknshop / watsons / sasa · Type: merchant
    • Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
    • Benefit limit: Amount: 5000 · Applies to: Eligible Transaction amount at Designated Merchants that qualifies for Extra CashBack per Card account · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
    • The table tier is Monthly Eligible Spending of HKD4,000 to HKD14,999, measured from accumulated Eligible Transactions in each monthly statement cycle. The page says no separate cashback registration is needed and the offer is available every day. CashBack is credited to the Card account. The first HKD5,000 of qualifying Designated Merchant transactions per Card account per statement cycle can earn Extra CashBack; excess amounts count as Other Eligible Transactions and earn Basic CashBack. The listed merchants include China Mobile Hong Kong, s/ash, Circle K, Foodpanda, HKTVmall, Klook, McDonald’s Hong Kong, PARKnSHOP and its named stores/eShop, Watsons retail stores/eShop, and Sasa retail stores. HK Ticketing is also listed, but its stated promotion end date is 14 February 2026, before this promotion period. Eligible transactions must be completed and posted in a statement cycle in 2026, and the merchant name must appear in the statement as determined by the Bank. For interest-free merchant instalments, only the instalment amount posted during the promotion period earns CashBack, paid monthly. The 5% total shown includes Basic CashBack; it is not an additional reward. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
    • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
    • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
    • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
    • The PDF refers the promotion period, Designated Merchant list, and total Spending Cap to a web page. These details are not stated in the retained PDF.
    • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
    • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
    • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
    • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
    • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
    • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

    Open source offer ↗

    Eligible Smart Card transactions 0.56% Basic CashBack

    • Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card; latest residential address proof showing the applicant’s name; income proof. Regular income: latest 1 month computer generated payroll slip or bank statement/passbook showing name, account number and salary entries. Irregular income: latest 3 month documents. Self employed: Business Registration Certificate and latest Profits Tax Demand Note. The bank may request more documents.
    • Eligible spending: Type: all
    • Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
    • Benefit limit: Applies to: Basic CashBack for Eligible Transactions per monthly statement cycle · Period: per statement period · Type: unlimited
    • The table tier is Monthly Eligible Spending of HKD4,000 to HKD14,999, measured from accumulated Eligible Transactions in each monthly statement cycle. No CashBack is awarded when monthly spending is below HKD4,000. CashBack is credited to the Card account. The page says the 5% total at Designated Merchants includes Basic CashBack; it is not an additional reward. Eligible Transactions are defined by Clause 3 of the Rewards Scheme Terms and Conditions, which is not included on this page. The page says no separate cashback registration is needed. Card application requires Hong Kong residency, age 18+, and annual income of at least HKD96,000; the Bank may request more documents.
    • This tier applies when Monthly Eligible Spending is HK$4,000 to HK$14,999, inclusive. No CashBack is awarded below HK$4,000.
    • This rate is for Other Eligible Transactions. Designated Merchant transactions within the Spending Cap use the stated 5% rate; amounts above that cap count as Other Eligible Transactions.
    • Eligible Transactions include retail transactions, online transactions, interest-free monthly instalments, and Octopus Automatic Add-Value transactions.
    • Excluded transactions include card-account transfers or top-ups to designated accounts, wallets or FPS; insurance; bill payments; phone or mail orders; gambling; securities; foreign currency, money orders or travellers cheques; financial-institution purchases or services; cash advances; balance transfers; instalment credit; Credit-to-Cash; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
    • Principal and supplementary card spending is pooled by card account and monthly statement cycle. CashBack is rounded down to the nearest cent.
    • CashBack appears on the 360° Rewards Redemption Platform and is not credited automatically. The minimum cash redemption is HK$50 per card account.
    • The Bank may withhold CashBack for an invalid account, poor financial standing, or a missed minimum payment in the previous 12 months. It may recover CashBack after a related transaction is cancelled or refunded. Closing the account forfeits CashBack. The Bank may change or end the scheme.
    • Monthly Eligible Spending must be at least HK$4,000. No CashBack is awarded for a month below this amount.
    • The 5% rate applies only at Designated Merchant outlets in Hong Kong. Digital-wallet transactions qualify only if the merchant name appears on the credit card statement.
    • The 5% includes Basic Cashback. Any Designated Merchant transaction amount above the Spending Cap is counted as Other Eligible Transactions.
    • Smart Card CashBack promotion: 2026-08-01 – 2027-01-03

    Open source offer ↗

HK$1,000.00 Precomputed estimates. Conditions apply.