Best cards for cash rebates and supermarket coupons (i.e. not miles)

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percysmith ( 黑卡會員 )
於2011年03月12日 08:08 PM發表

(updated  2 Mar 19)

If miles are not desired:

I. Overseas

i. (not online/phone/fax) BEA - 4.4% for spending >=$500 (max $5,000/month)
ii.
(if online) CCB HK eye Card - 2.8% in cash rebate (2.0% online and 0.8% overseas bonus (see I(vii) below)

iii. (to 31 Dec 19) HSBC 9X(Visa Signature)/6X(other HSBC) - 3.6%/2.4% in spending offset (HSBC Reward+) https://www.hsbc.com.hk/1/2/chinese/hk/cards/rewards/yourchoice
iv. SCB Simply Cash - 2% cash rebate

v. Citi Cash Back Visa - 2% cash rebate
vi
. SCB Executive Platinum - 2% cash rebate

vii. (to 31 Dec 19) DBS Eminent Plat/VS - 2% cash rebate
viii. (to 28 Feb 19) Fubon Plat - 1.82% cash rebate (plus $10 if txn amt >=$500) (3.64% if Japan/Korea, 9.09% Taiwan)
ix. Citi Prestige and Premiermiles - 1.5%-1.65% cash rebate
x. ICBC Hoscope Visa Signature and Diamond CUP - 1.5% cash rebate
xi. CCB HK (non-CUP) - 1.2% cash rebate (upon joining Travel Club membership)
xii. SCB Worldmiles AE - 1.2% in supermarket coupon

II. Supermarket, dept store, telecommunications bills on autopay:
i.  (to 30 Jun 19) BoC i-Card- 4%-6.67% in supermarket coupon (for max $1,111.11/month)
ii.  (to 31 Dec 19) BoC 大灣卡- 4.4%-4.67% in cash rebate and supermarket coupon (for max $2,500/month)

iii. (to 31 Dec 19) HSBC 9X(Visa Signature)/6X (other HSBC) - 3.6%/2.4% in spending offset (HSBC Reward+) https://www.hsbc.com.hk/1/2/chinese/hk/cards/rewards/yourchoice
v. Citibank Rewards - 2% on first $12,500 spending per month in supermarket coupons
vi. (if Paywave, <$500 ) CCB HK eye Card -2.0% in cash rebate

 
III. Dining
i. (Fast food category 5814 only on Apple Pay/Google Pay) BEA - 10% rebate (each spend <$500, max spend $1,000/month)

ii. (to 31 Dec 19) HSBC 9X(Visa Signature)/6X (other HSBC) - 3.6%/2.4% in spending offset (HSBC Reward+) https://www.hsbc.com.hk/1/2/chinese/hk/cards/rewards/yourchoice
iii. BEA VS - 2.4% in supermarket coupon

iv. Citi Cash Back Visa - 2% cash rebate (including hotel)
v. Citi Amex - 2% cash rebate

vi. CCB Tiramisu and Tastie - 1.2% in cash rebate, max $50,000/year
vii. BEA CUP - 1.2% in supermarket coupon

IV. Travel agents

i. Wewa Card - 4% in cash rebate (capped at $2,000 per cardmembership year)
ii. (to 31 Dec 19) HSBC 9X(Visa Signature)/6X(other HSBC) - 3.6%/2.4% in spending offset (HSBC Reward+) https://www.hsbc.com.hk/1/2/chinese/hk/cards/rewards/yourchoice
iii. (if online) CCB HK eye Card - 2.8% in cash rebate (2.0% online and 0.8% overseas bonus (see IV(iv) below)
iv. CCB HK (non-CUP) - 1.2% cash rebate (upon joining Travel Club membership). All travel agency/airlines OK.

V. Other retail spending

i. (Sat, Sun not supermarket/department store/travel agency) BEA – 4.4% for spending >=$500 (max $5,000/month)?
ii .  (to 31 Dec 19) (if online or <$500 Mastercard Contactless) BoC i-Card - 4%-6.67% in supermarket coupon (for max $1,111.11/month)
iii.  (to 31 Dec 19) (if CUP Quickpass) BoC 大灣卡- 4.4%-4.67% in cash rebate and supermarket coupon (for max $2,500/month)
iv. (if Cinema/Karaoke/Theme Park) Wewa Card - 4% in cash rebate (capped at $2,000 per cardmembership year)
v. (if online) BEA i-Titanium 3% cash rebate (for max $6,666.66/month) (min $1,800/month)
vi. (if online or <$500 Paywave) CCB HK eye Card - 2.0% in cash rebate
vii. (to 31 Dec 19)
PrimeCredit earnMORE CUP - 2.0% in cash rebate (for first $200,000 in 2019) https://forum.hongkongcard.com/forumSE/show/23736

viii. ICBC Horoscope Visa Signature and Diamond CUP - 1.5% cash rebate
ix. SCB Simply Cash - 1.5% in cash rebate (0% for card-present insurance premium)
x. DBS Black AE - 1.2%
in cash rebate
xi. Amex Blue Cash - 1.2% in cash rebate
xii. Citi Prestige - 1-1.15% cash rebate
xiii. Citi Cash Back Visa - 1% cash rebate
xiv. Dah Sing One+ Card - 1% cash rebate http://www.dahsing.com/tc/html/credit_card/cardinfo/generic/one_selected.html
xv. (to 31 Dec 19) DBS Eminent Plat/VS - 1% in cash rebate
xvi. PrimeCredit earnMORE Platinum - 1% cash rebate

xvii. SCB Executive Platinum - 1% cash rebate (0.5% for card-present insurance premium spending)
xviii. Citi Amex - 1% cash rebate
xix. SCB Worldmiles AE - 1% in supermarket coupon

 
VA. Autopay

i. ICBC Horoscope Visa Signature - 1.5% in cash rebate
ii. SCB Simply Cash - 1.5% in cash rebate

iii. PrimeCredit earnMORE Platinum - 1% cash rebate
iv. SCB Executive Platinum - 1% cash rebate (0.5% for autopay insurance premium payments)
v. SCB Worldmiles AE - 1% in supermarket coupon

 
VI. Bill payments
(insurance premium bill payments get points unless otherwise stated)
i. (to 5 May 19) ICBC Horoscope Visa Signature and Diamond CUP - 1.5% cash rebate
ii. Citic Intl (Plat or higher) - 0.55% in cash rebate (capped at lower of 100K or credit limit/month) ($10K cap from 25 Feb 17)
iii. ICBC - 0.5% in cash rebate
iv. CCB Visa Infinite - 0.5% in cash rebate (capped at 12 times credit limit per year for bill payments)
v. HSB enJoy - 0.5% in supermarket coupons (cap $10K payment/$50 supermarket coupons/month)
vi. 
Fubon Plat/Titanium - 0.45% cash rebate (0% for insurance premium bill payments)
vii. BoC - 0.4%-0.67% in supermarket coupon (cap $10K payment/month)
viii. CCB - 0.4% in cash rebate (capped at 12 times credit limit per year for bill payments)
ix. HSBC (Plat or higher) - 0.4% in
spending offset (HSBC Reward+)(cap $10K payment/$40 spending offset/month)
 

VII. Octopus AAVS
i.
 
(to 31 Dec 19) PrimeCredit earnMORE CUP - 2.0% in cash rebate (for first $200,000 in 2019) https://forum.hongkongcard.com/forumSE/show/23736
ii. ICBC Horoscope Visa Signature 
and Diamond CUP - 1.5% in cash rebate
iii. SCB Simply Cash - 1.5% in cash rebate

iv. Dah Sing One+ Card - 1% cash rebate
v. PrimeCredit earnMORE Platinum - 1% cash rebate 
vi. SCB Executive Platinum - 1% cash rebate
vii. (to 31 Dec 19) 
DBS Eminent Card - 1% cash rebate
viii. Citi Cash Back - 1% cash rebate

VIII. China Unionpay RMB spending (Note 1)
i. (HSBC Dual Currency Unionpay card) (to 31 Dec 17) HSBC 6X - 2.4% of RMB amount in
spending offset (HSBC Reward+) (Note 1)
ii. Bankcomm Diamond Dual Currency Card - 0.8% of RMB amount on restaurants or hotels  >= RMB300 in HK$ supermarket coupons (Note 1)
iii. Dah Sing Unionpay - 0.5% in cash rebate (rounded down to nearest dollar i.e. RMB199 will not be rebated)
iv. ICBCA Guangshen card - 0.5% of RMB amount in HK$ cash rebate (Note 1)
v. CCB Unionpay cards (core, AIA, Pui Ching) - 0.4% of RMB amount in RMB cash rebate

IX. Electronic wallets
i. Payme https://forum.hongkongcard.com/forumSE/show/21076?page=108 #1071
ii. Wechat https://forum.hongkongcard.com/forumSE/show/17275 #1
iii. (to 31 Dec 19) Alipay 
Boc CUP Diamond 4% cash rebate (capped at $100 per month)

Note 1: Rebate % in HK$ terms is less than stated % because banks use RMB for calculating points earned but coupons are HK$. For instance, at HK$1.23/RMB, HSBC 6X is 1.95% not 2.4%. CCB CUP is an exception because it offers RMB cash rebate

Shiu Wong (無卡會員)
於2018年04月02日 04:40 PM發表

very useful thread thank you so much

Roboto (金卡會員)
於2018年05月02日 07:55 AM發表

Part VI

Primecredit Earnmore CUP: 2%

ICBC Horoscope :1.5%

true or false?

Dennis C F Chan (白金卡會員)
於2018年05月02日 09:03 AM發表
Roboto於2018年05月02日 07:55 AM發表

Part VI

Primecredit Earnmore CUP: 2%

ICBC Horoscope :1.5%

true or false?

Earnmore 無 bill payment 功能

Roboto (金卡會員)
於2018年05月02日 10:10 AM發表

Thank you Dennis CHing

So can any CHing confirm that ICBC Horoscope can pay bills and give 1.5% cash rebates ?

any cap?

percysmith (黑卡會員)
於2018年05月07日 09:54 AM發表

Updated VI Bill Payments for ICBC Horoscope - utilities and rates all posted at 1.5% (rebate received overnight)

I don't maintain an electronic wallets section but they posted at 1.5% too. This won't happen after 3 June of course.

Roboto (金卡會員)
於2018年05月07日 05:39 PM發表

Thanks Percy Ching

https://forum.hongkongcard.com/forumSE/show/24077?page=34

#839/847 of the above says Property Management companies bill payments not included, a downside.

Roboto (金卡會員)
於2018年05月11日 07:16 AM發表

(1) Retail/Overseas on Sat/Sun

4,4% (11x) for $500+

(2) Fast Food (Apple/Google Pay)

10% for $500-

Dennis C F Chan (白金卡會員)
於2018年05月11日 07:26 AM發表
Roboto於2018年05月11日 07:16 AM發表

(1) Retail/Overseas on Sat/Sun

4,4% (11x) for $500+

(2) Fast Food (Apple/Google Pay)

10% for $500-

是指東亞嗎?呢個推廣暫無截止日期,應可加入表中

Roboto (金卡會員)
於2018年05月11日 08:50 AM發表

Yes, BEA cards (except World Mastercard
       registered for BEA Mileage Reward or Flyer World Mastercard

 

    capped at $200 & $100 per calendar month for

     Retail/Online/Overseas

   &  FastFood/Coffee respectively

percysmith (黑卡會員)
於2018年05月11日 10:45 AM發表

Updated I.i and III.i

Roboto (金卡會員)
於2018年05月11日 10:30 PM發表
percysmith於2018年05月11日 10:45 AM發表

Updated I.i and III.i

Thanks for incorporating

I see that you have not included it in part V

probably coz of too many restrictions (SAT/SUN only, exclusion of supermaket, travel agents etc etc)

 

PS:  Part I i missed "BEA"

        and thanks for "Updated VI Bill Payments for ICBC Horoscope - utilities and rates all posted at 1.5% (rebate received overnight)" , any monthly cap?

percysmith (黑卡會員)
於2018年05月12日 06:32 PM發表

//probably coz of too many restrictions (SAT/SUN only, exclusion of supermaket, travel agents etc etc)

V.i. (Sat, Sun not supermarket, travel agency) BEA – 4.4% for spending >=$500 (max $1,689/month)?

//ICBC Horoscope - utilities and rates all posted at 1.5% (rebate received overnight)" , any monthly cap?

I'm not aware of any

Sir Humphrey Appleby (金卡會員)
於2018年05月12日 08:31 PM發表
percysmith於2018年05月12日 06:32 PM發表

//probably coz of too many restrictions (SAT/SUN only, exclusion of supermaket, travel agents etc etc)

V.i. (Sat, Sun not supermarket, travel agency) BEA – 4.4% for spending >=$500 (max $1,689/month)?

//ICBC Horoscope - utilities and rates all posted at 1.5% (rebate received overnight)" , any monthly cap?

I'm not aware of any

BEA weekend: max $4546 per month instead? (see the good tidings borne by Max)

Roboto (金卡會員)
於2018年05月12日 09:04 PM發表

Reading BEA's T&C, my understanding is that in a calendar month

the max "extra" points allowed for 10x is 50000points, ie $5000 spending

Hence for $5000 spent , 

1x (5000 normal points) plus 10x (extra 50000 points)

or 11x in toto, will give  $220  or $220/5000 = 4.4% rebate

I dont understand Percy's "$1689" nor Max's $4546, please enlighten.

percysmith (黑卡會員)
於2018年05月12日 09:20 PM發表

My bad. I didn't realise the pre-May 12,500 limit is now 50,000.

But is Roboto right then? 5,000 (10X) not 4,545? All cards earn 1X basic...?

max仔 (黑卡會員)
於2018年05月12日 09:20 PM發表

因為「星期六日●東亞日」由額外25,000獎分改了為50,000獎分,不同BEA卡(賺取AM的World Master卡不能參與)同樣有11x(4.4%回贈),然而每曆月簽賬上限未必相同,例如:只有1x積分BEA Visa卡上限HK$5,000,有2x積分的BEA 銀聯卡上限HK$5,555等

另外,要是我冇記錯的話,我沒有表示過HK$4,546,因為儘管只有1x基本積分,上限都會是HK$5,000。

 

percysmith (黑卡會員)
於2018年05月12日 09:37 PM發表

V.i. (Sat, Sun not supermarket, travel agency) BEA – 4.4% for spending >=$500 (max $5,000/month) it is then.

Sir Humphrey Appleby (金卡會員)
於2018年05月12日 10:09 PM發表
max仔於2018年05月12日 09:20 PM發表

因為「星期六日●東亞日」由額外25,000獎分改了為50,000獎分,不同BEA卡(賺取AM的World Master卡不能參與)同樣有11x(4.4%回贈),然而每曆月簽賬上限未必相同,例如:只有1x積分BEA Visa卡上限HK$5,000,有2x積分的BEA 銀聯卡上限HK$5,555等

另外,要是我冇記錯的話,我沒有表示過HK$4,546,因為儘管只有1x基本積分,上限都會是HK$5,000。

 

One apologises sincerely to Max for one's inaccurate phrasing. As for the max spend, one was and still is bemused by the following example given by the bank.


20180512220926_5af6f59629094.jpg

max仔 (黑卡會員)
於2018年05月12日 10:29 PM發表
max仔於2018年05月12日 09:20 PM發表

因為「星期六日●東亞日」由額外25,000獎分改了為50,000獎分,不同BEA卡(賺取AM的World Master卡不能參與)同樣有11x(4.4%回贈),然而每曆月簽賬上限未必相同,例如:只有1x積分BEA Visa卡上限HK$5,000,有2x積分的BEA 銀聯卡上限HK$5,555等

另外,要是我冇記錯的話,我沒有表示過HK$4,546,因為儘管只有1x基本積分,上限都會是HK$5,000。

 

Sir Humphrey Appleby於2018年05月12日 10:09 PM發表

One apologises sincerely to Max for one's inaccurate phrasing. As for the max spend, one was and still is bemused by the following example given by the bank.


20180512220926_5af6f59629094.jpg

Ai HA,

Don't take it to heart, I am sure it is Roboto's bad again.

 

 

Roboto (金卡會員)
於2018年05月12日 11:07 PM發表

4546 vs 5000 = 4.399 % vs 4.400%, no need to split hairs

albeit 5000 is an easier figure to remember

max仔 (黑卡會員)
於2018年05月12日 11:41 PM發表

唉! What makes Roboto always leave his brains at the door 

so I am throwing in the sponge.

Sir Humphrey Appleby (金卡會員)
於2018年05月13日 12:02 AM發表
max仔於2018年05月12日 09:20 PM發表

因為「星期六日●東亞日」由額外25,000獎分改了為50,000獎分,不同BEA卡(賺取AM的World Master卡不能參與)同樣有11x(4.4%回贈),然而每曆月簽賬上限未必相同,例如:只有1x積分BEA Visa卡上限HK$5,000,有2x積分的BEA 銀聯卡上限HK$5,555等

另外,要是我冇記錯的話,我沒有表示過HK$4,546,因為儘管只有1x基本積分,上限都會是HK$5,000。

 

Sir Humphrey Appleby於2018年05月12日 10:09 PM發表

One apologises sincerely to Max for one's inaccurate phrasing. As for the max spend, one was and still is bemused by the following example given by the bank.


20180512220926_5af6f59629094.jpg

max仔於2018年05月12日 10:29 PM發表

Ai HA,

Don't take it to heart, I am sure it is Roboto's bad again.

 

 

Thanks for your forgiveness, Max. One is hopeless with maths like this. By the way, following the upping of the offer, the bank should probably have put up an example resulting in a $200, not $100, rebate.

Roboto (金卡會員)
於2018年05月13日 10:28 AM發表

for V. i.

add "department stores" after "not)

 

黃權 (普通卡會員)
於2018年08月11日 06:03 AM發表

好貼一推

percysmith (黑卡會員)
於2018年08月14日 01:01 AM發表
Roboto於2018年05月13日 10:28 AM發表

for V. i.

add "department stores" after "not)

 

Belated added

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