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

收藏 已收藏
會員主題
10
percysmith ( 黑卡會員 )
於2011年03月12日 08:08 PM發表

(updated  14 Aug 2018)

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 18) 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 18) 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 31 Dec 18) BoC i-Card- 4%-6.67% in supermarket coupon (for max $1,111.11/month)
ii.  (to 31 Dec 18) BoC 大灣卡- 4.4%-4.67% in cash rebate and supermarket coupon (for max $2,500/month)
iii. (if department store or medical services) (to 31 Dec 18) HSB CUP - 4.4% in cash dollars (max $62,500 spend/promotion period)

iv. (to 31 Dec 18) 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 18) 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 18) 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 18) (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 18) (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 18)
PrimeCredit earnMORE CUP - 2.0% in cash rebate 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 18) 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. 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 18) PrimeCredit earnMORE CUP - 2.0% in cash rebate 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 18) 
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


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

Roboto (金卡會員)
於2018年08月14日 06:14 AM發表
Roboto於2018年05月13日 10:28 AM發表

for V. i.

add "department stores" after "not)

 

percysmith於2018年08月14日 01:01 AM發表

Belated added

Thank you and you can removed the "?" there

 

Roboto (金卡會員)
於2018年08月15日 08:55 PM發表

IX needs updating

e.g. CCB Eye no more 5x (only 1x?) with effect from the 4th quarter of 2018 (exact date TBN)

      ICBC Asia no more 1.5% cash rebate?

Hong Wing Chung (無卡會員)
於2018年08月16日 11:40 AM發表

Hi Percy,

For BEA 4.4% rebat, does air ticket from airlines websites counted? Instead of buying from wing on/zuiji.

thanks

Roboto (金卡會員)
於2018年08月16日 06:28 PM發表

airlines have different merchant codes from travel agents?

Roboto (金卡會員)
於2018年08月20日 07:29 PM發表

CCB Eye no more  5x for PayMe  from October 2018

louis10022hk (普通卡會員)
於2018年08月20日 07:47 PM發表
Roboto於2018年08月20日 07:29 PM發表

CCB Eye no more  5x for PayMe  from October 2018

Source?

Roboto (金卡會員)
於2018年08月21日 10:01 PM發表
Roboto於2018年08月20日 07:29 PM發表

CCB Eye no more  5x for PayMe  from October 2018

louis10022hk於2018年08月20日 07:47 PM發表

Source?

see

https://www.hongkongcard.com/forum/show/25350

rrj (普通卡會員)
於2018年11月15日 10:12 AM發表
Roboto於2018年05月13日 10:28 AM發表

for V. i.

add "department stores" after "not)

 

percysmith於2018年08月14日 01:01 AM發表

Belated added

Roboto於2018年08月14日 06:14 AM發表

Thank you and you can removed the "?" there

 

Would like to suplement that for BEA 11X days, BEA CUP cap is at $5,555 per month as retail spending 2X existing that's part of the 11X. While for all other BEA cards, $5K per month is correct.  Of cos for other cards there are other conditions for dining etc which change the cap so the "?" is valid.

rrj (普通卡會員)
於2018年11月15日 10:23 AM發表

Hi percysmith, thanks for a very good post already.

May I suggest that for "other retail spending", to split the category between"online spending" versus "other retail spending"?  It's much easier to reference when making online purchases versus local retail merchant. 

As well - any reason for not including the HSB world 15x online + overseas, 10x weekend dining for 5K monthly spend into the list?  I see HSB enjoy is included in some cat.  Thanks for your consideration.

smoky (普通卡會員)
於2018年12月02日 10:31 AM發表

BoC i-Card- 4%-6.67% in supermarket coupon (for max $1,111.11/month) 買禮券有6.67%回贈?

ricky仔仔 (普通卡會員)
於2018年12月02日 11:11 AM發表
smoky於2018年12月02日 10:31 AM發表

BoC i-Card- 4%-6.67% in supermarket coupon (for max $1,111.11/month) 買禮券有6.67%回贈?

有21年以上年資可以以6折換禮券 

https://www.hongkongcard.com/blog-content/%E4%BF%A1%E7%94%A8%E5%8D%A1-%E7%A9%8D%E5%88%86-%E6%8F%9B-%E7%8D%8E%E8%B3%9E-%E5%B9%B4%E8%B3%87%E5%84%AA%E6%83%A0-%E6%8F%9B%E7%8F%BE%E9%87%91%E5%88%B8-%E6%9C%89%E6%8A%98-%E4%B8%AD%E9%8A%80

Roboto (金卡會員)
於2018年12月07日 08:55 AM發表
Roboto於2018年08月15日 08:55 PM發表

IX needs updating

e.g. CCB Eye no more 5x (only 1x?) with effect from the 4th quarter of 2018 (exact date TBN)

      ICBC Asia no more 1.5% cash rebate?

CCB eye and ICBC no more cash rebate for PayMe

 

Can any CHing please confirm if  DBS Eminent and DS One+ still give 1%?

Dennis C F Chan (白金卡會員)
於2018年12月07日 09:04 AM發表
Roboto於2018年08月15日 08:55 PM發表

IX needs updating

e.g. CCB Eye no more 5x (only 1x?) with effect from the 4th quarter of 2018 (exact date TBN)

      ICBC Asia no more 1.5% cash rebate?

Roboto於2018年12月07日 08:55 AM發表

CCB eye and ICBC no more cash rebate for PayMe

 

Can any CHing please confirm if  DBS Eminent and DS One+ still give 1%?

Eye 仍然有 1x 吧,Eminent、1+ 1% 仍在

Roboto (金卡會員)
於2018年12月07日 09:45 AM發表

thanks

Roboto (金卡會員)
於2018年12月07日 09:50 AM發表

.

發表回覆
發表回覆