"邊間銀行要最多優惠,都係foe係買野/食野有平啦..
又或者新申請有送禮品/優惠之類...
免年費,唔一定永久免年費,一兩年都得既....
又有得草積分換coupon呢d...
我志在申請張卡係身,又可以拎下禮劵咁."
If one card (and assuming your annual income <$250,000):
Discounts:HSBC Classic Visa/MC (most merchants and most frequently encountered)
Coupons:BoC Classic Visa/MC ($20,000 spending for $100 coupon)