Spca Shop

Latest offers

Card reward only

HK$4.004%

Purchase amount

HK$100.00

Reward rate

4%

Estimated net cost

HK$96.00

boc cheers card infiniteView details

HK$100.00 purchase

Calculation

HK$4.00

• Selected amount: HK$100.00
• Purchase amount: HK$100.00
• Promotion saving: HK$0.00
• Card payment: HK$100.00
• Card reward: HK$4.00
• Additional charges: HK$0.00
• Estimated net cost: HK$96.00

HK$4.00 ÷ HK$100.00 = 4%

Terms & conditions

• Assumes the full reward limit is still available. Eligible local dining and pet transactions combined for the card account
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

BOC Cheers Visa Infinite pet spending: 10 Gift Points per HK$1

• Eligibility: Audience: all
• Eligible spending: Applies to: 寵物用品 · Type: category
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 400 · Applies to: Eligible local dining and pet transactions combined for the card account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: 10 Gift Points per HK$1 eligible spend × HK$1 / 250 Gift Points = 4%; no rounding is needed. The 100,000 point monthly shared local dining and pet cap equals HK$400. The 300,000 point combined monthly maximum across all three categories equals HK$1,200. This uses the stated 250 Gift Points = HK$1 cash rebate conversion. Gift Point programme terms are referenced but are not included in the retained files.
• Additional Gift Point programme terms are referenced but are not included in the retained PDFs.
• Eligible card account must remain normal, valid and in good credit condition. Fraudulent, unauthorised, unposted, cancelled or refunded transactions do not qualify; account termination, default or abuse can forfeit the offer.
• Eligible pet transactions include local in-store purchases at pet shops or veterinary clinics under the stated merchant-category codes, and online purchases at pet shops or veterinary clinics. BoC Pay+, AlipayHK and WeChat Pay HK are excluded.
• First HK$10,000 of dining and pet spend reaches the combined monthly cap of 100,000 points; the three categories share an overall monthly maximum of 300,000 points.
• Listed e-wallet, bill, cash-advance, instalment, fee and other excluded transactions do not qualify; transactions must post within 7 days. Points are credited to the main card in the following month.
• Offers are subject to relevant terms and conditions.
• Spend at least HK$5,000 in eligible retail transactions with the Infinite card in each calendar month to earn this rate. Main and supplementary card spending is combined.
• The Infinite card earns exactly 10 Gift Points per HK$1 of eligible pet spending after at least HK$5,000 in eligible retail spending in each calendar month. Main and supplementary card spending is combined.
• The page states 250 Gift Points = HK$1 cash rebate and 15 Gift Points = 1 Asia Mile.
• The source also describes the rate as up to 10X.
• Upon accumulated monthly spending of HK$5,000, dining, travel and pet spending are eligible for 10X Gift Points.
• Visa Infinite qualification: annual income of $600,000 or holding $1,000,000 assets.
• BOC Cheers Visa Infinite Card: 2026-07-01 – 2026-12-31

Open source offer ↗

Source-listed offers. Check terms.

Credit cards

Card reward

HK$4.004%

Purchase amount

HK$100.00

Reward rate

4%

Estimated net cost

HK$96.00

boc cheers card infiniteView details

HK$100.00 purchase

Calculation

HK$4.00

• Selected amount: HK$100.00
• Purchase amount: HK$100.00
• Promotion saving: HK$0.00
• Card payment: HK$100.00
• Card reward: HK$4.00
• Additional charges: HK$0.00
• Estimated net cost: HK$96.00

HK$4.00 ÷ HK$100.00 = 4%

Terms & conditions

• Assumes the full reward limit is still available. Eligible local dining and pet transactions combined for the card account
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

BOC Cheers Visa Infinite pet spending: 10 Gift Points per HK$1

• Eligibility: Audience: all
• Eligible spending: Applies to: 寵物用品 · Type: category
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 400 · Applies to: Eligible local dining and pet transactions combined for the card account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: 10 Gift Points per HK$1 eligible spend × HK$1 / 250 Gift Points = 4%; no rounding is needed. The 100,000 point monthly shared local dining and pet cap equals HK$400. The 300,000 point combined monthly maximum across all three categories equals HK$1,200. This uses the stated 250 Gift Points = HK$1 cash rebate conversion. Gift Point programme terms are referenced but are not included in the retained files.
• Additional Gift Point programme terms are referenced but are not included in the retained PDFs.
• Eligible card account must remain normal, valid and in good credit condition. Fraudulent, unauthorised, unposted, cancelled or refunded transactions do not qualify; account termination, default or abuse can forfeit the offer.
• Eligible pet transactions include local in-store purchases at pet shops or veterinary clinics under the stated merchant-category codes, and online purchases at pet shops or veterinary clinics. BoC Pay+, AlipayHK and WeChat Pay HK are excluded.
• First HK$10,000 of dining and pet spend reaches the combined monthly cap of 100,000 points; the three categories share an overall monthly maximum of 300,000 points.
• Listed e-wallet, bill, cash-advance, instalment, fee and other excluded transactions do not qualify; transactions must post within 7 days. Points are credited to the main card in the following month.
• Offers are subject to relevant terms and conditions.
• Spend at least HK$5,000 in eligible retail transactions with the Infinite card in each calendar month to earn this rate. Main and supplementary card spending is combined.
• The Infinite card earns exactly 10 Gift Points per HK$1 of eligible pet spending after at least HK$5,000 in eligible retail spending in each calendar month. Main and supplementary card spending is combined.
• The page states 250 Gift Points = HK$1 cash rebate and 15 Gift Points = 1 Asia Mile.
• The source also describes the rate as up to 10X.
• Upon accumulated monthly spending of HK$5,000, dining, travel and pet spending are eligible for 10X Gift Points.
• Visa Infinite qualification: annual income of $600,000 or holding $1,000,000 assets.
• BOC Cheers Visa Infinite Card: 2026-07-01 – 2026-12-31

Open source offer ↗

1. 0101/Bocboc cheers card infinite4%HK$4.00

   Calculation

   HK$4.00

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$4.00
   • Additional charges: HK$0.00
   • Estimated net cost: HK$96.00

   HK$4.00 ÷ HK$100.00 = 4%

   Terms & conditions

   • Assumes the full reward limit is still available. Eligible local dining and pet transactions combined for the card account
   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   BOC Cheers Visa Infinite pet spending: 10 Gift Points per HK$1

   • Eligibility: Audience: all
   • Eligible spending: Applies to: 寵物用品 · Type: category
   • Requirements: Period spend ≥: HK$5,000.00
   • Benefit limit: Amount: 400 · Applies to: Eligible local dining and pet transactions combined for the card account · Currency: HKD · Period: per month · Type: limited · Unit: currency
   • Percentage note: Cash equivalent calculation: 10 Gift Points per HK$1 eligible spend × HK$1 / 250 Gift Points = 4%; no rounding is needed. The 100,000 point monthly shared local dining and pet cap equals HK$400. The 300,000 point combined monthly maximum across all three categories equals HK$1,200. This uses the stated 250 Gift Points = HK$1 cash rebate conversion. Gift Point programme terms are referenced but are not included in the retained files.
   • Additional Gift Point programme terms are referenced but are not included in the retained PDFs.
   • Eligible card account must remain normal, valid and in good credit condition. Fraudulent, unauthorised, unposted, cancelled or refunded transactions do not qualify; account termination, default or abuse can forfeit the offer.
   • Eligible pet transactions include local in-store purchases at pet shops or veterinary clinics under the stated merchant-category codes, and online purchases at pet shops or veterinary clinics. BoC Pay+, AlipayHK and WeChat Pay HK are excluded.
   • First HK$10,000 of dining and pet spend reaches the combined monthly cap of 100,000 points; the three categories share an overall monthly maximum of 300,000 points.
   • Listed e-wallet, bill, cash-advance, instalment, fee and other excluded transactions do not qualify; transactions must post within 7 days. Points are credited to the main card in the following month.
   • Offers are subject to relevant terms and conditions.
   • Spend at least HK$5,000 in eligible retail transactions with the Infinite card in each calendar month to earn this rate. Main and supplementary card spending is combined.
   • The Infinite card earns exactly 10 Gift Points per HK$1 of eligible pet spending after at least HK$5,000 in eligible retail spending in each calendar month. Main and supplementary card spending is combined.
   • The page states 250 Gift Points = HK$1 cash rebate and 15 Gift Points = 1 Asia Mile.
   • The source also describes the rate as up to 10X.
   • Upon accumulated monthly spending of HK$5,000, dining, travel and pet spending are eligible for 10X Gift Points.
   • Visa Infinite qualification: annual income of $600,000 or holding $1,000,000 assets.
   • BOC Cheers Visa Infinite Card: 2026-07-01 – 2026-12-31

   Open source offer ↗

2. 0202/Bocboc cheers card signature3.2%HK$3.20

   Calculation

   HK$3.20

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$3.20
   • Additional charges: HK$0.00
   • Estimated net cost: HK$96.80

   HK$3.20 ÷ HK$100.00 = 3.2%

   Terms & conditions

   • Assumes the full reward limit is still available. local dining and pets transactions combined per Signature account
   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   BOC Cheers Visa Signature pet spending: 8 Gift Points per HK$1

   • Eligibility: Audience: all
   • Eligible spending: Applies to: 寵物用品 · Type: category
   • Requirements: Period spend ≥: HK$5,000.00
   • Benefit limit: Amount: 240 · Applies to: local dining and pets transactions combined per Signature account · Currency: HKD · Period: per month · Type: limited · Unit: currency
   • Percentage note: Cash equivalent calculation: 8 Gift Points per HK$1 spent × HK$1 cash rebate ÷ 250 Gift Points = 3.2%. The source states 250 Gift Points = HK$1 cash rebate. The source stated monthly cap of 60,000 points for dining and pet transactions combined equals HK$240 cash rebate equivalent (60,000 ÷ 250); the overall 180,000 point dining, pet and travel cap equals HK$720 (180,000 ÷ 250). No rounding is needed. Gift Points are noncash, nonrefundable and nontransferable; redemption follows the Gift Point Gift Rewards Programme, whose external terms were not read. The cap includes basic Gift Points.
   • The page says products, services, and offers are subject to relevant terms and conditions; it does not state their full contents.
   • Visa Signature card; required annual income of $150,000.
   • Accumulate at least HK$5,000 in eligible retail transactions in the calendar month to earn 8 total Gift Points per HK$1 (basic 1 plus extra 7); otherwise only the basic 1X points apply.
   • Eligible pet transactions are in-store purchases at local pet shops or veterinary clinics under the stated MCCs, and online purchases from pet shops or veterinary clinics. BoC Pay+, AlipayHK and WeChat Pay HK are excluded.
   • Dining and pets share the 60,000-point monthly cap; dining, pets and travel together have a maximum of 180,000 points per month. The cap includes basic Gift Points. Main and supplementary transactions combine.
   • Eligible transactions must post within 7 days; main and supplementary transactions combine. Points are rounded where appropriate and credited to the main account in the following month. The account must remain normal, valid and in good credit standing; invalid, unauthorized, refunded, cancelled or unposted transactions do not qualify. Retain sales slips; company records prevail, and fraud or abuse can forfeit or reverse rewards.
   • Eligible spend excludes e-wallets, cash advance or cash-before-card, bill payments, autopay, Octopus add-value, instalments, fees or finance charges, utilities, stored-value reloads, P2P transfers, financial-institution transactions, gambling, charity, transactions without slips, unauthorized transactions and other company-defined exclusions.
   • BOC Cheers Visa Signature must be issued in Hong Kong. The Gift Point Gift Rewards Programme also applies; its external terms were not read.
   • Signature points promotion period: 2026-07-01 – 2026-12-31

   Open source offer ↗

3. 0303/ICBC Asiaicbc wise gold credit card world mastercard2%HK$2.00

   Calculation

   HK$2.00

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$2.00
   • Additional charges: HK$0.00
   • Estimated net cost: HK$98.00

   HK$2.00 ÷ HK$100.00 = 2%

   Terms & conditions

   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   Some validity dates are unstated. Confirm availability.

   ICBC Wise Gold World Mastercard Local and Overseas Spending: 2% Cash Rebate

   • Eligibility: Audience: all
   • Eligible spending: Type: all
   • Benefit limit: Applies to: cash rebate on eligible local and overseas spending · Currency: HKD · Period: not stated · Type: unlimited · Unit: currency
   • Percentage note: The source states a 2% cash rebate, equivalent to 4X bonus points; no calculation was applied.
   • Available to Wise Gold account customers who hold the ICBC Wise Gold World Mastercard. Applies to eligible local and overseas card spending.
   • The Bank calculates the rebate monthly without a conversion step, credits it to the HKD account, and shows it on the statement.
   • Rebates are excluded for cash advances, balance transfers, loan or instalment amounts and repayments, e-wallet purchases or transfers, financial institution transactions including securities brokers, Octopus add-value, donations, gambling, unauthorised or autopay transactions, video game arcades, cinemas, parking, car rental, fuel, transport, card charges, financial or account-service charges, telecommunications, memberships, insurance, utilities, charity, tax, MPF, and other Bank-determined categories. Mainland supermarket, property, motor vehicle, wholesale, hospital, tuition, and related merchant categories are also excluded. Unposted, cancelled, refunded, and unauthorised transactions are ineligible.
   • The source states the rebate is equivalent to 4X bonus points. It does not state an end date.

   Open source offer ↗

4. 0404/Moxmox credit card2%HK$2.00

   Calculation

   HK$2.00

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$2.00
   • Additional charges: HK$0.00
   • Estimated net cost: HK$98.00

   HK$2.00 ÷ HK$100.00 = 2%

   Terms & conditions

   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   Mox Credit Card 2% CashBack with Mox+

   • Eligibility: Audience: all
   • Eligible spending: Type: all
   • Benefit limit: Applies to: CashBack from eligible Mox Credit Card transactions · Period: not stated · Type: unlimited
   • Requires Mox+ and the CashBack Spending Rewards Scheme.
   • CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together.
   • The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.
   • Eligible Mox Credit Card transactions: 2026-09-01 – Not stated

   Open source offer ↗

5. 0505/Standard Charteredstandard chartered simply cash visa card2%HK$2.00

   Calculation

   HK$2.00

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$2.00
   • Additional charges: HK$0.00
   • Estimated net cost: HK$98.00

   HK$2.00 ÷ HK$100.00 = 2%

   Terms & conditions

   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   Simply Cash Visa Card 2% CashBack on non-HKD-posted eligible transactions

   • Eligibility: Audience: all
   • Eligible spending: Type: all
   • Benefit limit: Applies to: CashBack on eligible Simply Cash Visa Card spending · Period: not stated · Type: unlimited
   • The scheme applies to principal and supplementary Simply Cash Visa Cardholders. Eligible transactions posted in a currency other than Hong Kong Dollars earn 2%. Eligible transactions are retail transactions, including online and interest-free monthly instalment transactions. From 28 June 2026, they exclude card-account transfers or top-ups, insurance, bill payments through SC Online Banking, Phone Banking or JET Payment Services, phone or mail orders, gambling, securities brokers or dealers, specified non-financial and financial institution transactions, wire transfers, money orders, wholesale purchases of precious stones, metals, watches or jewellery, charitable social service organisations, government or public services (including tax payments), Octopus Automatic Add Value, cash advances, balance transfers, Instalment Credit, Credit-to-Cash Preferential Annual Rate amounts, financial charges and fees, and unposted, cancelled, refunded, falsified or unauthorised transactions. Cashback for an interest-free monthly instalment is awarded monthly only on the instalment amount posted that month. Cashback appears on the 360° Rewards platform after posting and is not automatically credited to the card account; the minimum cash redemption is HK$50 per account. Rewards are rounded down to the nearest cent. Principal and supplementary transactions count together. The Bank may deny rewards for an invalid or not-good-standing account or if a minimum payment was late in the previous 12 months; refunded transactions may be clawed back, and rewards are forfeited on account closure. The Bank makes the final eligibility decision. The HTML page describes this as 2% CashBack on foreign-currency spending and states that eligible retail and online transactions at any merchants or categories qualify, with unlimited CashBack all year-round. The formal terms define the rate by transactions posted in a currency other than HKD and set the detailed eligible-transaction exclusions.
   • CashBack under the revised Rewards Scheme terms: 2026-06-28 – Not stated

   Open source offer ↗

6. 0606/ICBC Asiaicbc credit card platinum mastercard virtual card1.5%HK$1.50

   Calculation

   HK$1.50

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$1.50
   • Additional charges: HK$0.00
   • Estimated net cost: HK$98.50

   HK$1.50 ÷ HK$100.00 = 1.5%

   Terms & conditions

   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   Some validity dates are unstated. Confirm availability.

   ICBC Credit Card - Platinum Mastercard Virtual Card 1.5% cash rebate

   • Eligibility: Audience: all
   • Eligible spending: Type: all
   • Benefit limit: Applies to: cash rebate · Period: not stated · Type: unlimited
   • Application or registration is required.
   • The retained page says terms apply and refers to Spending Rewards for full conditions; eligible transaction types and other conditions are not stated here.
   • The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

   Open source offer ↗

7. 0707/ICBC Asiaicbc credit card visa platinum virtual card1.5%HK$1.50

   Calculation

   HK$1.50

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$1.50
   • Additional charges: HK$0.00
   • Estimated net cost: HK$98.50

   HK$1.50 ÷ HK$100.00 = 1.5%

   Terms & conditions

   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   Some validity dates are unstated. Confirm availability.

   ICBC Visa Platinum Virtual Card 1.5% cash rebate

   • Eligibility: Audience: all
   • Eligible spending: Type: all
   • Benefit limit: Applies to: cash rebate · Period: not stated · Type: unlimited
   • Percentage note: Source did not include full programme terms in the supplied files.
   • Terms and conditions apply. Footnote 1 refers readers to Spending Rewards; eligible transactions and rebate details are not stated in this HTML.
   • The page says the virtual card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or ATM-related services.

   Open source offer ↗

8. 0808/ICBC Asiaicbc digital dual currency credit card1.5%HK$1.50

   Calculation

   HK$1.50

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$1.50
   • Additional charges: HK$0.00
   • Estimated net cost: HK$98.50

   HK$1.50 ÷ HK$100.00 = 1.5%

   Terms & conditions

   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   Some validity dates are unstated. Confirm availability.

   ICBC Dual Currency Credit Card - UnionPay Platinum Virtual Card 1.5% Cash Rebate

   • Eligibility: Audience: all
   • Eligible spending: Type: all
   • Benefit limit: Applies to: cash rebate · Period: not stated · Type: unlimited
   • Application or registration is required.
   • Apply for the virtual card; it is ready to use after approval.
   • Selected ICBC (Asia) customers can apply through the website, online banking, WeChat Official Account, or Mobile Banking App. New customers apply through the Mobile Banking App.
   • The virtual card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or ATM-related services.
   • Terms and conditions apply. Detailed cash rebate conditions are referred to Spending Rewards and are not present in this HTML.
   • Eligible spending rules are not stated in this HTML.

   Open source offer ↗

9. 0909/ICBC Asiaicbc dual currency credit card unionpay platinum virtual card1.5%HK$1.50

   Calculation

   HK$1.50

   • Selected amount: HK$100.00
   • Purchase amount: HK$100.00
   • Promotion saving: HK$0.00
   • Card payment: HK$100.00
   • Card reward: HK$1.50
   • Additional charges: HK$0.00
   • Estimated net cost: HK$98.50

   HK$1.50 ÷ HK$100.00 = 1.5%

   Terms & conditions

   • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

   Some validity dates are unstated. Confirm availability.

   ICBC Dual Currency Credit Card - UnionPay Platinum Virtual Card 1.5% cash rebate

   • Eligibility: Audience: all
   • Eligible spending: Type: all
   • Benefit limit: Applies to: cash rebate · Period: not stated · Type: unlimited
   • The rebate details are referred to the linked Spending Rewards page; those details are not in the retained HTML.
   • The virtual card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or ATM-related services.

   Open source offer ↗

10. 1010/Standard Charteredstandard chartered smart credit card1.2%HK$1.20

    Calculation

    HK$1.20

    • Selected amount: HK$100.00
    • Purchase amount: HK$100.00
    • Promotion saving: HK$0.00
    • Card payment: HK$100.00
    • Card reward: HK$1.20
    • Additional charges: HK$0.00
    • Estimated net cost: HK$98.80

    HK$1.20 ÷ HK$100.00 = 1.2%

    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..
    • Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

    Eligible Smart Card transactions 1.2% 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
    • Benefit limit: Applies to: Basic CashBack for Eligible Transactions per monthly statement cycle · Period: per statement period · Type: unlimited
    • 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 amount is unresolved. CashBack is credited to the Card account. 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$15,000 or above.
    • 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$100.00 Precomputed estimates. Conditions apply.