How to enjoy up to 2.4% RewardCash rebate

Simply allocate your extra 5X RewardCash multipliers to the spending categories in the "Red Hot Rewards of Your Choice" programme that are relevant to your needs to enjoy up to 2.4% RewardCash rebate all year round.

Example: Spending HK$1,000 if you have allocated 5X in a single category

Rewardcash Rebate
Rewardcash Rebate

5 ways to maximise your RewardCash

  1. Tip 1 Tip 1

    Register for Red Hot Rewards of Your Choice
    Choose your preferred spending categories

    Earn RewardCash faster by registering for Red Hot Rewards of Your Choice and allocating the extra RewardCash to any of your chosen spending categories to earn up to 2.4% RewardCash rebate all year round.

    For example, if you have allocated all your extra RewardCash to the 'Dining' category, you can earn 2.4% RewardCash rebate on your local dining bills. The 5 spending categories include: 'Dining' for those who love to eat out; 'Lifestyle' for those who work hard and play hard with healthy habits; 'Home' and 'Shopping' for smart home keepers and chic trendsetters; 'Overseas & Mainland China Spending' for globe trotters who are always on the move!

    Once you have allocated your extra RewardCash to your chosen spending categories, it cannot be changed throughout the year, so please select categories to suit your needs and spending patterns!

  2. Tip 2 Tip 2

    Be the first to pay with your HSBC Credit Card

    When you dine or hang out with friends, grab the opportunity to settle the bill with your HSBC Credit Card before splitting the bill. It's a great way to multiply your RewardCash.

    Be a smart diner and check out restaurants with our 'Red Hot Dining Special'. Not only will you enjoy extra RewardCash but also special offers or discounts!

    Spending Categories: 'Dining'

  3. Tip 3 Tip 3

    Plan and travel smart to earn more

    Nowadays, booking flights and accommodation online is very common. When planning your trip, check out our website first for any great deals and offers from our 'Red Hot Travel Special' may enjoy extra RewardCash by making a booking with HSBC credit card! Also, check out offers from home&Away, our global credit card offers platform, to make the most out of your trip!

    You can even earn extra RewardCash for spending overseas. If you include your air ticket and hotel spending, you can look forward to your next trip even sooner by redeeming extra air miles with your RewardCash!

    Spending Category: 'Overseas & Mainland China Spending'

  4. Tip 4 Tip 4

    Earn RewardCash through your daily spending

    In our everyday lives, food is one of the biggest daily expenses along with household items and even electrical appliances. For example, spending extra money on a fan in the summer or a heater during the winter is inevitable.

    Simply allocate extra RewardCash to the 'Home' category and spend with your HSBC credit card at supermarkets or home and appliance stores to earn extra RewardCash.

    Spending Category: 'Home'

  5. Tip 5 Tip 5

    Shop and earn

    Shopping is something we do all the time. But how do we make the retail experience a good one? By shopping with your HSBC Credit Card of course! Whether you want to pamper yourself or your loved ones, you can earn extra RewardCash at the same time!

    Stay tuned to catch all the latest offers and discounts from 'Red Hot Shopping Special'. What's more, you can also use your earned RewardCash to redeem your favourite products in our eShop!

    Spending Category: 'Shopping'

Please read the following remarks.

Notes:
  1. The promotional period is from 1 January 2025 to 31 December 2025.
  2. Odd dollars in any transaction will be carried forward to the next card transaction to calculate RewardCash entitlement.
  3. Extra RewardCash for purchase instalment will be calculated monthly based on the monthly instalment amount.

To borrow or not to borrow? Borrow only if you can repay!