HSBC Red Credit Card
HSBC

HSBC Red Credit Card Calculator

Best for: Online shoppers who spend HK$10,000+ monthly on e-commerce and want straightforward cashback without hitting caps

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Special Merchant Spending 8% cashback at eligible merchants
HKD
8.0% HKD 0
HKD 0 / 100
Online Shopping Spending 4% cashback on online transactions
HKD
4.0% HKD 0
HKD 0 / 400
Other Spending 0.4% cashback on all other transactions
HKD
0.4% HKD 0
Calculator based on official terms Rates may change. Always verify with your bank before applying.
View Official Terms

The HSBC Red Credit Card offers 8% cashback at select merchants (including Sushiro, TamJai, GU, Decathlon, Lululemon) capped at HK$100/month, and 4% cashback on online shopping capped at HK$400/month. All other spending earns 0.4% with no cap. With no minimum spending requirement and a simple category structure, it's a solid choice for those who frequently shop online or visit the designated merchants.

Advantages

  • 8% cashback at select merchants (Sushiro, TamJai, GU, Decathlon, Lululemon, etc.)
  • 4% cashback on online shopping
  • No minimum spend requirement
  • No annual fee (first year)
  • Straightforward category structure

Considerations

  • Only HK$100/month cap on 8% merchant cashback
  • Only HK$400/month cap on 4% online cashback
  • Base rate of 0.4% is low for non-bonus spending
  • No dining category bonus
Annual Fee: Waived (1st year) Min. Income: HK$120000/year