2026 Hong Kong Credit Card Stack
The Hong Kong credit cards I intend to use in 2026, focusing on simplicity and ease of redemption.
Every year I map out which credit cards I’ll use. I used to optimise best I could — chasing the highest earn rate on every category, accepting caps and restrictions, juggling multiple cards. I used to oscillate between pure miles and pure cashback. These days I’ve simplified. I still want good returns, but I prioritise fewer cards, clearer rules (especially avoiding caps where I can) and flexibility in how I redeem.
Most of my spending goes on miles-earning cards, with cashback cards filling specific gaps. Here’s what I’m running with in 2026.
The Stack
Main / default card: HSBC Everymile
HKD5 = 1 mile (HKD2 = 1 mile on public transport and other specific categories)
Flexible redemptions across 15+ airlines and hotel chains. I can convert to Accor Rewards points with no penalty, which matters because Accor hotels are dense across Asia and Europe, their programme has no blackout dates, and I have found them better value than airline redemptions.
Foreign spend and CBF: Mox Credit Card
HKD4 per Asia Mile (if you hold HKD250k+ balance); HKD8 per Asia Mile below that
Best FX treatment in Hong Kong. Minimal cross-border markup, and the miles earn rate doesn’t degrade the way competitors’ do. I’ve written before about the best foreign spend cards and how to avoid CBF — Mox remains my top pick even at the HKD8 rate.
Online shopping: HSBC Red
4% cashback (capped at HKD10,000/month)
Flat rate, easy to track, no category confusion.
Restaurants: HSBC Signature
3.6% cashback (capped at HKD100,000/year) - need to select dining category
Strong dining rate without fuss.
Octopus auto top-up: SCB Simply Cash
Earning: 1.5% cashback
Passive earn on a necessary transaction.
What this stack assumes
This works for me because I travel as a family 3 times a year and the hotel stays can really add up, spend on restaurants, and am starting to value redemption flexibility over earn rates, as Asia Miles redemptions are getting harder to achieve. If you’re optimising for pure cashback or maximum points, you’ll need a different stack. There’s no single “best” card; it depends on your spend pattern, goals and tolerance for complexity.
Check current terms before applying — card benefits, caps and earning rates change. Also don’t forget any signing on bonuses.
Over to you
What’s your 2026 stack? Are you chasing miles, cashback, or a hybrid? Share your strategy in the comments — I always pick up a tip or two, and it helps others see what’s possible.
Disclaimer: This is my personal strategy, not financial advice. Check live card terms and promotions before making any decisions.
