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Card Rankings
Based on your spending, here's how each card performs:
📋 About These Estimates
Each credit card has unique bonus categories and spending requirements. To provide a fair comparison, we map your general spending to each card's specific categories using reasonable assumptions.
For exact calculations tailored to your spending, use each card's individual calculator. Always refer to the bank's official terms and conditions for the most accurate and up-to-date information.
How This Credit Card Comparison Works
1. Enter Your Spending
Input your typical monthly spending across categories like dining, online shopping, travel, and groceries. Our calculator uses these real numbers instead of generic estimates.
2. See Instant Rankings
We calculate cashback and miles for every card based on YOUR spending pattern. Cards are ranked by total monthly return, showing you exactly which card earns more.
3. Compare Accurately
Unlike static comparison tables, we factor in spending caps, category rates, and minimum spend requirements. Click any card for a detailed calculator with exact breakdowns.
Why Use This Calculator?
Most credit card comparison sites show you generic "up to X% cashback" claims. But real returns depend on your spending pattern. Someone who spends HK$8,000 on dining gets very different results than someone who spends HK$8,000 online. This tool calculates actual returns based on how you spend, including category caps and bonus rates that other sites ignore.