現金回贈定里數？香港信用卡點揀
Cashback or miles? How to choose a Hong Kong card
現金回贈同里數哪個抵？由兌換率、使用習慣到實際價值，一步步比較兩類信用卡獎賞。
Which is worth more — cashback or miles? Compare the two reward types by redemption rate, spending habits and real value.
全部指南All guides
怎樣比較銀行優惠的實用指南。 / Practical guides to reading bank promotions.
以下指南教你點睇銀行優惠：點比較現金回贈與里數、迎新優惠的隱藏條件、條款要睇哪五個位、旅遊保險與信用卡保障，以及分期手續費如何影響實際年利率。
迎新優惠完全攻略：簽賬額、期限與陷阱
Welcome offers explained: spend, deadlines and pitfalls
迎新優惠看似好吸引，但簽賬額、期限、名額及「新客戶」定義都影響你最終拿不拿到獎賞。
Welcome offers look generous, but the spend target, deadline, quota and definition of "new customer" decide whether you actually get the reward.
睇銀行優惠條款：五個必睇位
Reading bank promotion terms: five things to check
推廣期、名額、登記、不適用交易及回贈上限——五個最常令人拿不到獎賞的條款細節。
Promotion period, quota, registration, excluded transactions and reward caps — the five clauses that most often cost people their reward.
旅遊保險點揀？信用卡保障夠唔夠？
Travel insurance: is your credit card cover enough?
比較旅遊保險時要看醫療、行程取消、行李延誤等保障，也要知道信用卡附帶保障的限制。
Compare travel insurance on medical cover, cancellation and baggage delays — and understand the limits of card-linked protection.
「免息」分期的手續費與實際年利率
The fees behind "interest-free" instalments
「免息」不等於免費。了解一次性手續費如何推高實際年利率，以及比較分期時要看的地方。
"Interest-free" is not free. See how a one-off handling fee raises the effective rate — and what to compare.
These guides explain how to read a bank promotion: comparing cashback with miles, the hidden conditions in a welcome offer, the five terms to check, travel cover versus card benefits, and how an instalment fee becomes an effective annual rate.
最後更新 / Last updated: 2026-10-09