Best Air Miles Credit Cards Hong Kong

Updated February 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 + 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
  • Exclusive airport lounge access worldwide including unlimited Plaza Premium Lounge access all year-round
  • 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
HSBC Visa Signature Card
HSBC Visa Signature Card

$480,000

Min. Annual Salary

HK$1.79 = 1 Mile

Miles Conversion (overseas spend)

HK$2.78 = 1 Mile

Miles Conversion (local spend)

Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
Best for: Those looking to earn maximum amount of points on a particular category of their choosing, particularly for oversees spending
Pros
  • Earn up to 14X RewardCash for spending in Rewards of Your Choice category
  • Up to 5.6% RewardsCash rebate (ie. HK$2.78 = 1 mile)
  • Discounts from many merchants, such as restaurants and hotels
  • Many offers for overseas, online and dining spending, etc
Cons
  • High annual income requirement (HK$480,000)
  • Fee charged for mileage conversion
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!
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
AEON Card JAL
AEON Card JAL

$0

Min. Annual Salary

$6 = 1 mile

Miles Conversion (overseas spend)

$6 = 1 mile

Miles Conversion (local spend)

Best for: People who like to travel to Japan
Pros
  • No transaction fee is imposed by AEON on foreign currency transaction
  • Enjoy 10% discount for all inflight purchases
  • Accumulate credit purchase spending HK$30,000 or above in 12 months upon card issuance and annually thereafter, the annual fee $480 of the coming year will be waived
  • Enjoy 5% discount offer for shopping at Japan Duty Free shops and JAL Duty Free at the Narita International Airport, Tokyo
  • Enjoy 5% credit purchase discount at AEON on "Thanksgiving Days" (2nd & 20th of every month)
Cons
  • Miles can only be used for Japan Airlines
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

HKD150,000

Min. Annual Salary

HKD15 = 1 Mile

Miles Conversion (overseas spend)

HKD15 = 1 Mile

Miles Conversion (local spend)

Promotion: New Cardholders welcome offer HKD600 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: HKD600 cash rebate
  • Receive HKD800 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 HKD150,000 or above
Cons
  • Fee charged for mileage conversion(HKD300)
  • 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 135,000 Points + MoneySmart exclusive HK$400 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 or 9000 Miles=Round trip ticket to Taipei 1 set)
  • After applying via MoneySmart, you may receive exclusive HK$400 Supermarket Voucher, without any spending requirement. Click here to learn more and redeem the offer
  • 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

$150,000

Min. Annual Salary

$4.17 = 1 Mile

Miles Conversion (overseas spend)

$4.17 = 1 Mile

Miles Conversion (local spend)

Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
Best For: People who want to earn maximum amount of points to be used for a category of their choosing
Pros
  • Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
  • 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

    HKD96,000

    Min. Annual Salary

    0.35%

    Miles Conversion (overseas spend)

    HKD15 = 1 Mile

    Miles Conversion (local spend)

    Promotion: New Cardholders welcome offer HKD600 cash rebate
    Best for: Frequent travelers to China and overseas
    Pros
    • New Cardholders welcome offer: HKD600 cash rebate
    • Receive HKD800 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 HKD96,000 or above
    Cons
    • No rebates on bill-payment
    HSBC UnionPay Dual Currency Credit Card
    HSBC UnionPay Dual Currency Credit Card

    $60,000

    Min. Annual Salary

    $4.17 = 1 Mile

    Miles Conversion (overseas spend)

    $4.17 = 1 Mile

    Miles Conversion (local spend)

    Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
    Best for: Frequent travelers to China looking for seamless transition between HKD and RMB
    Pros
    • Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
    • 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: Welcome offer 20,000 miles (240,000 points) + Complimentary 4th night at any hotel + Complimentary global airport lounge access + MoneySmart exclusive HK$400 Voucher!
    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)
    • After applying via MoneySmart, you may receive exclusive HK$400 Supermarket Voucher, without any spending requirement. Click here to learn more and redeem the offer
    • 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

    150,000

    Min. Annual Salary

    $4.17 = 1 Mile

    Miles Conversion (overseas spend)

    $4.17 = 1 Mile

    Miles Conversion (local spend)

    Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
    Best for: Frequent travellers to China, who would enjoy good currency exchange rates between HKD and RMB
    Pros
    • Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
    • Medical, Travel Assist, and Concierge Service when traveling
    • Enjoy a privileged rate of HK$250 for airport limousine transfer
    • Free entry to Plaza Premium lounge 3x per year
    • Low annual income requirement (HK$150,000)
    Cons
    • 1% handling fee charge on foreign currency spending
    HSBC Visa Gold Card
    HSBC Visa Gold Card

    $60,000

    Min. Annual Salary

    $4.17 = 1 Mile

    Miles Conversion (overseas spend)

    $4.17 = 1 Mile

    Miles Conversion (local spend)

    Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
    Best For: Those looking for a simple day-to-day card with dining and shopping benefits
    Pros
    • Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
    • 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
    All results loaded

    Find Air Miles Credit Cards That Fit Your Travel Habits

    Maximize your card rewards by considering several credit cards that focus on different spending categories. Both points and miles credit cards have their own strengths. Points credit cards are more flexible as they can be used to get cash rebates, air miles, coupons or other gifts. Air miles credit cards are more suitable for frequent flyers who know redeeming skills like open jaw and stop-over to get a cheaper flight ticket. But converting air miles may charge you handling fees, and you still need to take airport tax and fuel surcharge into account. Cashback credit cards are suitable for those who don’t spend a lot and want to get rebates directly.

    Asia Miles - Popular Rewards Program for Air Miles Credit Cards

    Besides your spending habits, the type of air miles should be another 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 less miles for flights to Japan and offer you a household account.

    Frequently Asked Questions

    How should I pick between cashback and air miles credit cards?

    For a credit card newbie, this is probably one of the most common questions. Air miles credit cards seem better for travelholics, but a free flight ticket isn’t necessarily “free” - you still need to pay for a mileage conversion fee, a fuel surcharge, and other additional fees. If you’re looking for flight tickets in peak season, you may need to reserve it one year ahead. Have no preference for airlines? Cashback credit cards are actually way more cost-effective than air miles on buying flight tickets. Cashback is the best for you if you like instant rewards or don’t spend a lot. Cashback credit cards are simpler – all eligible spending is calculated using a cashback rate. Banks credit the rebate amount directly into your credit card account, and you can choose to deduct the bill amount to get a discount. Some banks link the cashbacks to their reward point scheme. Take Hang Seng as an example, they offer you Cash Dollars as cashback, and you can redeem coupons or use as cash at selected merchants.

    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.

    Do banks charge me for mileage conversion?

    Banks usually charge you a handling fee for mileage conversion. The fee ranges from HK$100-300/conversion. Some airline or frequent-flyer co-branded credit cards, such as BEA Flyer World Mastercard and Citi PremierMiles Card, may offer a handling fee waiver.

    Is there anything need to know while converting air miles?

    Besides the handling fees, banks usually set a minimum amount on converting air miles (mostly 1,000 miles). After converting a certain amount of air miles, banks start charging a fixed handling fee until you reach the cap.

    Is there anything 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.