Best Air Miles Credit Cards Hong Kong

Updated June 2019

Earn air miles when you spend, and travel for free with Asia miles credit cards! Compare air miles reward rates for local & overseas spend and learn more about the latest ongoing promotions for top Asia miles credit cards in Hong Kong.

Other Air Miles Cards

American Express Cathay Pacific Elite Credit Card
American Express Cathay Pacific Elite Credit Card

$300,000

Min. Annual Salary

$6 = 1.5 Mile

Miles Conversion (overseas spend)

$6 = 1 Mile

Miles Conversion (local spend)

Promotion: Welcome offers up to 76,000 Asia Miles
Best for: Travel lovers for earning most air miles with large spending, also Cathay Pacific frequent user and enjoy travel benefits

Pros

  • Enjoy complimentary access to Plaza Premium Lounge each year
  • HK$6 = 1 Asia Mile on all local spend and HK$6 = 1.5 Asia Mile on foreign currency spend
  • No charge on miles conversion as the spending will be automatically converted to Asia Miles
  • Complimentary travel insurance and shopping protection
  • Enjoy 10% discount at Broadway Circuit and AMC Pacific Place cinemas

Cons

  • No rebates on octopus card auto add value
American Express® Platinum Credit Card
American Express® Platinum Credit Card

$300,000

Min. Annual Salary

$5 = 1 Mile

Miles Conversion (overseas spend)

$5 = 1 Mile

Miles Conversion (local spend)

Promotion: Special welcome offer of up to HK$2,960 + MONEYSMART exclusive HK$400 Voucher and Le Creuset Gift Set !
Best for: Those who enjoy fine dining, traveling around the world with friends or shopping for your favorite fashion finds

Pros

  • Membership Rewards Program, spend HK$1 = 3 Membership Reward Points (Cap at HK$120,000)
  • 2 complimentary Supplementary Cards
  • Gourmet Club membership with up to 50% savings on the a la carte dinner menu at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group
  • Buy 1 get 1 free movie ticket on Thursday and Friday on 3D, 2D and IMAX movie tickets at Broadway Circuit and AMC Pacific Palace Cinemas. Plus, 15% savings on 3D, 2D and IMAX regular priced movie tickets
  • 10% off on select hotel bookings and an extra HK$100 cash back for every HK$2,000 spent on Expedia
  • Extra 10 Membership Rewards Points with every HK$1 spent at Hong Kong Parkview

Cons

  • No rebates on octopus card auto add value
HSBC Visa Signature Card
HSBC Visa Signature Card

HK$360,000

Min. Annual Salary

HK$1.79 = 1 Mile

Miles Conversion (overseas spend)

HK$2.78 = 1 Mile

Miles Conversion (local spend)

Promotion: Apply online to earn up to $900 RewardCash
Best for: Those looking to earn maximum amount of points on a particular category of their choosing, particularly for oversees spending

Pros

  • Discounts from many merchants, such as restaurants and hotels
  • Many offers for overseas, online and dining spending, etc

Cons

  • High annual income requirement (HK$360,000)
  • Fee charged for mileage conversion
DBS Black American Express Card
DBS Black American Express Card

$240,000

Min. Annual Salary

$5 = 1 Mile

Miles Conversion (overseas spend)

N.A.

Miles Conversion (local spend)

Best for: Travel lovers, using DBS$ to redeem 4 different kinds of mileage, or instant redeem flight ticket or hotel via iGO Rewards with DBS$

Pros

  • Attractive welcome offer:First HK$5,000 local spending HK$1 = 1 Mile and first HK$70,000 oversea spending HK2.5=1 Mile, also include year round $3/mile when registered visa Omni
  • No expiry date on DBS$
  • Complimentary newspaper/magazine redemption at airport
  • Use DBS$ to redeem flights, hotels, car rental or packages

Cons

  • No miles on bill-payment and insurance payment
  • No complimentary travel insurance
Dah Sing ANA World Mastercard
Dah Sing ANA World Mastercard

$150,000

Min. Annual Salary

$8 = 1 Mile

Miles Conversion (overseas spend)

$8 = 1 Mile

Miles Conversion (local spend)

Promotion: Welcome offer up to 8,000 Miles + HK$4 = 1 Mile on overseas spending + a chance to win a complimentary ANA round-trip air ticket to Japan + online exclusive extra HK$100 cash rebate!
Best for: People who love travelling to Japan

Pros

  • Welcome offer up to 8,000 Miles + HK$4 = 1 Mile on overseas spending + a chance to win a complimentary ANA round-trip air ticket to Japan + online exclusive HK$100 Cash Rebate
  • HK$8 = 1 Mile on all local and overseas spending
  • Enjoy priority check-in service at ANA Business class check-in counter (valid when using flights operated by ANA)
  • Principal Cardholders will receive an extra 25% mileage when using flights operated by ANA
  • 10% Discount for ANA In-flight Shopping
  • 10% Shopping Discount at ANA group duty free shops and 5% Shopping Discount at ANA FESTA at the Airports
  • Enjoy 1 Mile for every JPY100 spent at ANA FESTA
  • No handling fees on miles conversion
  • Low annual income requirement, first year annual fee waiver

Cons

  • No miles will be offered on automatic transfer and online banking bill-payment
  • E-wallet transaction is not counted as the eligible spending of welcome offers
American Express Cathay Pacific Credit Card
American Express Cathay Pacific Credit Card

$150,000

Min. Annual Salary

$8 = 1.5 Mile

Miles Conversion (overseas spend)

$8 = 1 Mile

Miles Conversion (local spend)

Promotion: Up to 74,000 Asia Miles + MONEYSMART exclusive HK$250 Voucher!
Best for: Travel lovers for earning most air miles with large spending, also Cathay Pacific frequent user and enjoy travel benefits

Pros

  • Enjoy Twice-yearly Plaza Premium Lounge access
  • Complimentary travel insurance and shopping protection
  • HK$8 = 1 Asia Mile on all local spend and HK$8 = 1.5 Asia Mile on foreign currency spend

Cons

  • No rebates on octopus card auto add value
The Platinum Card
The Platinum Card

$1,000,000

Min. Annual Salary

$5 = 1 Mile

Miles Conversion (overseas spend)

$7.5 = 1 Mile

Miles Conversion (local spend)

Promotion: Welcome offer : Up to 700,000 Membership Rewards Points + MONEYSMART exclusive HK$400 Voucher!
Best for: Frequent travellers who value premium experiences and looking to redeem membership rewards points for air miles and different kinds of gifts

Pros

  • In Membership Rewards Turbo Program, spend HK$1 = 2 points and 15 points = 1 miles (HK$7.5 = 1 Mile)
  • HK$5 = 1 mile on oversea spending and flights booking with designated airline
  • Unlimited access to worldwide airport lounge
  • Enjoy travel and hotel benefits
  • Buy 1 get 1 free movie ticket on both Thursday and Friday at any Broadway Circuit and AMC Pacific Place cinema
  • Enjoy the platinum concierge service

Cons

  • The Buy-1-Get-1-Free movie tickets offer is not applicable in specified days
Standard Chartered Platinum Credit Card
Standard Chartered Platinum Credit Card

HK$150,000

Min. Annual Salary

HK$15 = 1 Mile

Miles Conversion (overseas spend)

HK$15 = 1 Mile

Miles Conversion (local spend)

Promotion: New Cardholders welcome offer HK$600 cash rebate
Best for: Those looking for points with the flexibility to convert into cash, air miles, or shopping vouchers

Pros

  • New Cardholders welcome offer: HK$600 cash rebate
  • Receive HK$800 cash rebate when apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card at the same time and fulfilled relevant requirement
  • No expiry of 360° Rewards Points
  • Points can convert to cash, mileage and voucher
  • Low annual income requirement of HK$150,000 or above

Cons

  • Fee charged for mileage conversion(HK$300)
  • No rebates on ebanking bill-payment
Citi Rewards Visa Card
Citi Rewards Visa Card

$150,000

Min. Annual Salary

$15 = 1 Mile

Miles Conversion (overseas spend)

$3 = 1 Mile

Miles Conversion (local spend)

Promotion: Welcome offer HK$600 Wellcome Coupon + MONEYSMART exclusive HK$300 Voucher!
Best for: Frequent shoppers looking to maximize points that can be used for a wide range of redemption options

Pros

  • Welcome offer 135,000 Points (can be redeemable for HK$600 Wellcome coupon)
  • Enjoy 5X points (=HK$3/Mile) all year round and 8X points (=HK$1.875/Mile) during your birthday month for spending in supermarkets, department stores and telecommunication bill payments
  • E-wallet transaction is eligible as welcome offer spending (PayMe, WhChat Pay, AliPay, etc.)
  • Points never expire
  • Low annual income requirement for HK$150,000

Cons

  • Fees will be charged for converting points into miles
  • No points for making payment through online e-banking
  • No offers for overseas spending
HSBC Visa Platinum Card
HSBC Visa Platinum Card

HK$150,000

Min. Annual Salary

$4.17 = 1 Mile

Miles Conversion (overseas spend)

HK$4.17 = 1 Mile

Miles Conversion (local spend)

Promotion: Apply online to earn up to $900 RewardCash
Best For: People who want to earn maximum amount of points to be used for a category of their choosing

Pros

  • Discounts from many merchants, such as restaurants and hotels
  • Many offers for overseas, online and dining spending, etc
  • HSBC Exclusive Benefits: Concierge services including travel information and restaurant reservations, exclusive hotel and car rental offers, and application for Private Label Cards (city'super, CODE, Dickson, and HARVEY NICHOLS)
  • Earn RewardCash by settling Premium / tuition via e-banking (only for the first HK$10,000 each month)
  • No extra fee for Dynamic Currency Conversion transactions

    Cons

    • Fee charged for mileage conversion
    Standard Chartered UnionPay Dual Currency Platinum Credit Card
    Standard Chartered UnionPay Dual Currency Platinum Credit Card

    HK$96,000

    Min. Annual Salary

    0.35%

    Miles Conversion (overseas spend)

    HK$15 = 1 Mile

    Miles Conversion (local spend)

    Promotion: New Cardholders welcome offer HK$600 cash rebate
    Best for: Frequent travelers to China and overseas

    Pros

    • New Cardholders welcome offer: HK$600 cash rebate
    • Receive HK$800 cash rebate when apply for Standard Chartered Platinum Credit Card at the same time and fulfilled relevant requirement
    • Waiver of foreign exchange fee
    • Low annual income requirement of HK$96,000 or above

    Cons

    • No rebates on bill-payment
    HSBC Visa Gold Card
    HSBC Visa Gold Card

    HK$60,000

    Min. Annual Salary

    $4.17 = 1 Mile

    Miles Conversion (overseas spend)

    HK$4.17 = 1 Mile

    Miles Conversion (local spend)

    Promotion: Apply online to earn up to $900 RewardCash
    Best For: Those looking for a simple day-to-day card with dining and shopping benefits

    Pros

    • Discounts from many merchants, such as restaurants and hotels
    • Many offers for overseas, online and dining spending, etc

    Cons

    • Fee charged for mileage conversion
    • Online billing can't earn RewardCash
    HSBC UnionPay Dual Currency Credit Card
    HSBC UnionPay Dual Currency Credit Card

    HK$60,000

    Min. Annual Salary

    HK$2.27 = 1 Mile

    Miles Conversion (overseas spend)

    HK$4.17 = 1 Mile

    Miles Conversion (local spend)

    Promotion: Welcome offer: Apply online to earn up to HK$900 RewardCash
    Best for: Frequent travelers to China looking for seamless transition between HKD and RMB

    Pros

    • Low annual income requirement (HK$60,000)
    • Medical, Travel Assist and Concierge Service

    Cons

    • No free of Airport Lounge access
    • 1% service fee on oversea spending
    Citi Prestige Card
    Citi Prestige Card

    $600,000

    Min. Annual Salary

    $4 = 1 Mile

    Miles Conversion (overseas spend)

    $6 = 1 Mile

    Miles Conversion (local spend)

    Promotion: 【Promotion till 28 Jun】Welcome offer 20,000 miles (240,000 points) + Complimentary 4th night at any hotel + Complimentary global airport lounge access!
    Best for: Frequent traveler with high annual salary who does not mind paying annual fee for enjoyment of high quality

    Pros

    • Welcome offer 20,000 miles (240,000 points)
    • The points have no expiry date and can be converted to miles for free. Points can be converted to a number of different mile options including Air Miles, British Airways, Singapore Airlines, and more
    • Complimentary access to 1,000+ LoungeKey lounges in 500+ airports worldwide
    • No extra fee for Dynamic Currency Conversion transaction
    • Free travel insurance if payment is made in full for air ticket or hotel
    • Complimentary 4th night at any hotel
    • Extra points will be given based on the years of using products of Citibank

    Cons

    • No points for making payment through online e-banking
    • No exemption on annual fee and no miles rebate
    HSBC UnionPay Dual Currency Diamond Card
    HSBC UnionPay Dual Currency Diamond Card

    HK$150,000

    Min. Annual Salary

    $2.27 = 1 Mile

    Miles Conversion (overseas spend)

    HK$4.17 = 1 Mile

    Miles Conversion (local spend)

    Promotion: Apply online to earn up to $900 RewardCash
    Best for: Frequent travellers to China, who would enjoy good currency exchange rates between HKD and RMB

    Pros

    • Medical, Travel Assist, and Concierge Service when traveling
    • Enjoy a privileged rate of HK$250 for airport limousine transfer
    • Free entry to LoungeKey airport lounges 3x per year
    • Low annual income requirement (HK$150,000)

    Cons

    • 1% handling fee charge on foreign currency spending
    Show more cards

    Best Air Miles Credit Cards Hong Kong 2019

    Best for Air Miles Credit Cards Mileage Conversion
    Online shopping and diningStandard Chartered Asia Miles MastercardUp to $4/mile
    Oversea spending and Avios earnersDBS Black World MastercardUp to $4/mile
    Frequent overseas spenders who want free travel insurancesCiti PremierMiles CardUp to $3/mile
    Frequent Flyer PerksAmerican Express Cathay Pacific Elite Credit CardUp to $4/mile

    What is the Best Credit Card for Airline Miles?

    Asia Miles

    • American Express Cathay Pacific Elite Credit Card: Enjoy free access to Plaza Premium Lounge each year
    • Standard Chartered Asia Miles Mastercard:Relatively high earning ratio of HK$4 = 1 mile
    • BEA Flyer World Mastercard:HK$5 = 1 Mile for local and overseas spending

    Avios

    Dah Sing British Airways Platinum Card:HK$6 = 1 Avios on local spending

    ANA Mileage Club

    Dah Sing ANA World Mastercard:HK$8 = 1 mile on local and overseas transactions

    Popular Rewards Program for Air Miles Credit Cards

    Besides your spending habits, the type of air miles should be other criteria you consider while comparing air miles credit cards. Among all of the air miles programs, you need to pick one that best fits your travel and flying habits. If you take a certain airline very often, such as Cathay Pacific, you may want to pick an air miles program such as Asia Miles. Here are the most popular air miles programs in Hong Kong:

    Asia Miles

    Asia Miles allows you to redeem flight tickets from a diverse range of airlines, including Cathay Pacific and Qatar. You can redeem travel, entertainment, lifestyle, and other rewards with your air miles credit cards.

    Avios

    Avios is cheaper than Asia Miles when redeeming short flights. Plus, they offer a household accounts program, allowing you to earn Avios with your family members.

    ANA Mileage Club

    ANA’s mileage program lets you redeem flight tickets under Star Alliance. The strengths of ANA program are that they require fewer miles for flights to Japan and offer you a household account.

    HSBC RewardCash to Asia Miles

    Step 1

    First, enrol in the Mileage Programme for an annual membership fee of HK$300 and fill in your details in the online enrolment form with your Asia Miles membership number.

    Step 2

    Then, submit an application to transfer your RewardCash to Asia Miles either via HSBC internet banking or by post.

    Step 3

    Go to a participating airline’s website to redeem the miles earned and choose your travel destinations.

    Things to Know Before Converting Air Miles

    Air Mile Converting Fee

    A handling fee of HK$100-300 is usually charged for each mileage conversion. Some airline or frequent-flyer co-branded credit cards such as BEA Flyer World Mastercard and Citi PremierMiles Card offer a handling fee waiver.

    Processing Time

    Please allow enough time for mileage credits to be credited to the Member’s account. It may take between 4-6 weeks for the credits to be reflected in your account balance.

    Taxes

    The ticket prices under miles redemption programs exclude taxes and other fees such as the Air Passenger Departure Tax, the Passenger Security Charge, terminal building charges, and the Airport Construction Fee. The final price of a redeemed flight ticket will be adjusted based on your travel destination, which will be deducted from your credit card. Please note that different amount of air miles will be charged depending upon the seasons by some air miles programs (e.g. Avios and ANA).

    Frequently Asked Questions

    Are airline miles credit cards worth it?

    Yes, if you are a frequent flyer who spends with a credit card. You earn air miles as you spend normally. When you have collected enough miles, you can redeem a free ticket. If you are a lower spender, credit cards which offer cashback/ points could be a better option than airline miles credit cards.

    How do air miles work on credit cards?

    Airline mile credit cards reward cardholders each time for making an eligible purchase. The amount of miles earned depends on the earning ratio, which is different from provider to provider.

    Which airline credit card is the easiest?

    Standard Chartered Asia Miles is the easiest to apply because it only requires HK$96,000 annual income and it offers automatic mileage conversion with no conversion fee. It also offers a relatively high earning ratio of HK$4 = 1 Asia Mile on dining, online and overseas spending. But this card is only designed for collecting Asia Miles.

    How do I redeem Air Miles for flights?

    The easiest way is to transfer the points you earned to air miles via internet banking. To do this, you must be a member of one of the participating frequent flyer programs.

    How many miles do you need to get a free flight?

    It depends on your travel destination and the season you travel. But in order to redeem a free return ticket, you need to collect at least 12,000 Avios points for return tickets from Hong Kong to Taiwan.

    How long do my air miles stay valid?

    Airline or air miles co-branded credit cards will automatically transfer the earned miles into your air miles account. For other credit cards, you need to transfer reward points into air miles yourself via e-banking or by calling the customer service hotline. Some credit cards may set an expiry date for reward points from 1-5 years (usually 2-3 years). But there are a few credit cards have no expiry date on the points, such as DBS Black World Mastercard and American Express credit cards, giving you more time on earning points for flight tickets.

    Is there anything I need to know while converting flight tickets with air miles?

    The prices of flight tickets under miles redemption programs don’t include taxes and other fees, including the Air Passenger Departure Tax, the Passenger Security Charge, terminal building charges, and the Airport Construction Fee. The final price of a redeemed flight ticket will be adjusted based on your travel destination. The relevant extra costs will be deducted from your credit card. Note that some air miles programs (e.g. Avios and ANA) will set flight ticket prices based on seasons and charge you different amounts of air miles.