The cashback amount can be credited back to your credit card account or paid to you separately. Some providers may also offer other rewards instead of cash so that you can redeem exclusive gifts at steep discounts.
Many banks in Hong Kong such as American Express, DBS, Citibank and HSBC offers generous cashback rewards to attract more customers.
Before you sign up for a Cashback Credit Card, determine which benefits are more important to you. If you're looking for discounts at your favorite store, then a co-branded Credit Card may be the best Cashback Credit Card for you. If you travel often, you might want to look for cards that give you good discounts on overseas spending.