Each bank corresponds to different merchants. Both Hang Seng Bank and HSBC have many discounts, depending on the specific situation. Credit card consumption mainly depends on the cooperative relationship between merchants and credit card banks.

If you go to Hong Kong to buy jewelry, I suggest you use UnionPay. Some products from Chow Tai Fook and Xie Ruilin can get a 15% discount, and products from Zhou Shengsheng can get 4 times points. As you can see, the main people who go to Hong Kong to buy jewelry these days are mainlanders ~ who makes it cheaper? )

If you buy digital products, the Bank of East Asia will reduce the price. If you are on Broadway, China Bank's credit card can be used. If you are lucky, you can get a 67% discount on the goods.

As for the rest, I'm not sure. You can check the list of special customers or consult major businesses on the internet of various banks.