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Updated September 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.
HK$250 Voucher!
HK$96,000
Min. Annual Salary
HK$4 = 1 Asia Mile
Miles Conversion (overseas spend)
HK$4 = 1 Asia Mile
Miles Conversion (local spend)
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard contactless |
HK$200 Voucher!
$240,000
Min. Annual Salary
$4 = 1 Mile
Miles Conversion (overseas spend)
$6 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 36.33% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 Days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | N.A. |
HK$300Voucher!
$240,000
Min. Annual Salary
$3 = 1 Mile
Miles Conversion (overseas spend)
$8 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$360,000
Min. Annual Salary
HK$1.79 = 1 Mile
Miles Conversion (overseas spend)
HK$2.78 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | HK$1,000 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher. |
| Interest Free Period | 56days |
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N.A. To borrow or not to borrow? Borrow only if you can repay! |
HK$300 Voucher!
$150,000
Min. Annual Salary
$15 = 1 Mile
Miles Conversion (overseas spend)
$3 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
$150,000
Min. Annual Salary
$6 = 1.5 Avios
Miles Conversion (overseas spend)
$6 = 1 Avios
Miles Conversion (local spend)
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | First 2-year |
| Minimum Monthly Repayment | (i) If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance |
| Interest Free Period | Up to 60 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Contactless |
HK$150,000
Min. Annual Salary
HK$15 = 1 Mile
Miles Conversion (overseas spend)
HK$15 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard / Visa |
|---|---|
| Wireless Payment | N/A |
HK$0
Min. Annual Salary
HK$6 = 1 mile
Miles Conversion (overseas spend)
HK$6 = 1 mile
Miles Conversion (local spend)
| Annual Interest Rate | 31.59% |
|---|---|
| Principle Annual Fee | HK$480 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Annual fee will be waived if yearly credit purchase spending reach HK$30,000 |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
| Interest Free Period |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Wireless payment |
HK$150,000
Min. Annual Salary
$4.17 = 1 Mile
Miles Conversion (overseas spend)
HK$4.17 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | HK$900 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 56 Days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave To borrow or not to borrow? Borrow only if you can repay! |
$150,000
Min. Annual Salary
$8 = 1 Mile
Miles Conversion (overseas spend)
$8 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | 1st year |
| Minimum Monthly Repayment | (i) If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance |
| Interest Free Period | Up to 60 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard PayPass |
HK$400 Voucher!
$1,000,000
Min. Annual Salary
$5 = 1 Mile
Miles Conversion (overseas spend)
$7.5 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$7,800 |
| Supplementary Annual Fee | complimentary 2 supplementary cards |
| Fee Waiver | No |
| Minimum Monthly Repayment | N/A |
| Interest Free Period |
| Local Resident | HK$1,000,000 |
|---|---|
| Foreigner | HK$1,000,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N/A |
HK$60,000
Min. Annual Salary
$4.17 = 1 Mile
Miles Conversion (overseas spend)
HK$4.17 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$600 |
| Supplementary Annual Fee | HK$300 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1％ of statement balance + fees. For more info, view T&C |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa Paywave To borrow or not to borrow? Borrow only if you can repay! |
HK$60,000
Min. Annual Salary
HK$2.27 = 1 Mile
Miles Conversion (overseas spend)
HK$4.17 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$300 |
| Supplementary Annual Fee | HK$150 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 56 Days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | N.A. To borrow or not to borrow? Borrow only if you can repay! |
$600,000
Min. Annual Salary
$4 = 1 Mile
Miles Conversion (overseas spend)
$6 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$3,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | No |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$600,000 |
|---|---|
| Foreigner | HK$600,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | N.A. |
HK$150,000
Min. Annual Salary
$2.27 = 1 Mile
Miles Conversion (overseas spend)
HK$4.17 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | HK$900 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | N.A. To borrow or not to borrow? Borrow only if you can repay! |
HK$200 Voucher!
$240,000
Min. Annual Salary
$5 = 1 Mile
Miles Conversion (overseas spend)
N.A.
Miles Conversion (local spend)
| Annual Interest Rate | 36.33% |
|---|---|
| Principle Annual Fee | HK$1,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N.A. |
HK$240,000
Min. Annual Salary
HK$5 = 1 Mile
Miles Conversion (overseas spend)
HK$5 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 36.43% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance |
| Interest Free Period | 56days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard PayPass |
$150,000
Min. Annual Salary
$8 = 1.5 Mile
Miles Conversion (overseas spend)
$8 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.67% |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit |
| Interest Free Period |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| Best for | Air Miles Credit Cards | Mileage Conversion |
|---|---|---|
| Online shopping and dining | Standard Chartered Asia Miles Mastercard | Up to $4/mile |
| Oversea spending and Avios earners | DBS Black World Mastercard | Up to $4/mile |
| Frequent overseas spenders who want free travel insurances | Citi PremierMiles Card | Up to $3/mile |
| Frequent Flyer Perks | American Express Cathay Pacific Elite Credit Card | Up to $4/mile |
Dah Sing British Airways Platinum Card：HK$6 = 1 Avios on local spending
Dah Sing ANA World Mastercard：HK$8 = 1 mile on local and overseas transactions
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 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 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’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.
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.
Then, submit an application to transfer your RewardCash to Asia Miles either via HSBC internet banking or by post.
Go to a participating airline’s website to redeem the miles earned and choose your travel destinations.
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.
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.
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).
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.
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.
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.
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.
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.
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.
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.