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

Transaction eligibility and exclusions

Check these rules before including spending in the calculator. Specifically listed designated merchants follow the designated-merchant rules.

Not eligible for RewardCash

Credit card transactions used to top up an e-wallet.
Unposted, cancelled, or subsequently refunded transactions.
Fraudulent or abusive transactions, including personal-card spending for trading, business, or commercial purposes.
Transactions or a series of transactions that do not represent a good-faith purchase of goods or services or a valid bill payment.

Not eligible for the 4% online rate; earns the 0.4% basic rate

Online bill payments.
Transactions made with the card through an e-wallet.
Insurance premium payments.
Payments for securities trading.
Rent and property management fee payments.
Payments for advertising services.
Octopus Automatic Add Value Service and Octopus top-up transactions.

The HSBC Red Credit Card offers 8% cashback at designated merchants, including Sushiro, TamJai, Bakehouse, Decathlon, Sephora and selected overseas merchants such as FamilyMart in Japan and OLIVE YOUNG in South Korea, capped at HK$100/month. Online shopping earns 4% cashback capped at HK$400/month, while all other eligible spending earns 0.4% with no cap. Local designated merchants are limited to qualifying Hong Kong stores and exclude department-store counters and outlets.