HK 中文
Red Credit Card
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 verified: 17 Dec 2025 Rates may change over time, and bank may not have same interpretation as us. Always verify with 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