Best Air Miles Credit Cards Hong Kong

Updated April 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

  • 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!
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

$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 $1,400 RewardCash
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$360,000)
  • Fee charged for mileage conversion
AEON Card JAL
AEON Card JAL

$0

Min. Annual Salary

$6 = 1 mile

Miles Conversion (overseas spend)

$6 = 1 mile

Miles Conversion (local spend)

Promotion: Welcome Offer up to HK$500 + Up to HK$2000 rebate for overseas spending + Earn 3X Bonus points
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!
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)
  • 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: Apply online to earn up to $1,400 RewardCash
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)
  • 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

    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 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: Apply online to earn up to $1,400 RewardCash
    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
    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)

    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!
    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

    $150,000

    Min. Annual Salary

    $4.17 = 1 Mile

    Miles Conversion (overseas spend)

    $4.17 = 1 Mile

    Miles Conversion (local spend)

    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 LoungeKey airport lounges 3x per year
    • Low annual income requirement (HK$150,000)

    Cons

    • 1% handling fee charge on foreign currency spending
    BEA Flyer World Mastercard
    BEA Flyer World Mastercard

    HK$240,000

    Min. Annual Salary

    HK$5 = 1 Mile

    Miles Conversion (overseas spend)

    HK$5 = 1 Mile

    Miles Conversion (local spend)

    Promotion: Welcome offer: HK$1 = 1 Asia Mile (max. 9,000 Asia Miles)
    Best for: Travel lovers for earning more Asia Miles with large spending

    Pros

    • Extra 0.6 Points for local and overseas spending, HK$5 = 1 Mile
    • HK$5 = 1 Mile for utility fees' autopay
    • No handling fee for the conversion into miles
    • 20% off on UA/MCL cinemas

    Cons

    • No Bonus Points will be offered for selected online bill payments
    • No Bonus Points will be offered for purchases and/or adding value to stored-value cards or e-Wallets (except PayMe/ Octopus Automatic Add Value Service)
    • No extra 0.6 Points for PayMe/ Octopus Automatic Add Value Service
    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

    Popular Frequent Flyer Programs To Earn Miles

    Besides your spending habits, the type of air miles should be another criterion that you consider when comparing air miles credit cards. Pick an air miles program 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:

    Cathay Pacific

    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.

    British Airways

    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.

    Star Alliance

    ANA Mileage Club

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

    Asia Miles Flight Awards

    Not only you can use your Asia Miles to redeem free air-tickets but they also come in handy if you are looking for additional perks such as extra legroom or baggage allowance. Additionally, you can also use Asia Miles to upgrade your existing ticket to the next higher cabin class. For Business or First Class customers, you can use Asia Miles to redeem a companion ticket for anyone as well.

    Standard Awards

    Standard Awards come with limited seat availability and allow you to book your flight 353 days in advance. However, the advance seat reservation facility is only applicable to Premium Economy and above cabin classes. Standard Awards are available on all Asia Miles partner airlines

    Choice Awards

    Choice Awards have relatively higher seat availability and allow you to book your flight 360 days in advance. Similar to Standard Awards, the advance seat reservation facility is only applicable to Premium Economy and above cabin classes. However, keep in mind that Choice Awards cost slightly more miles to redeem flights compared to Standard Awards and they are only available on Cathay Pacific and Cathay Dragon.

    Tailored Awards

    Tailored Awards give you the maximum seat availability for all cabin classes all year round. They also allow you to book your flight 360 days in advance. However, Tailored Awards will cost you the most miles of all the awards. They are also only available on Cathay Pacific and Cathay Dragon

    Best Miles Credit Cards That Fit Your Travel Habits

    You should always try to maximize your credit card rewards by considering multiple credit cards that help you accumulate accelerated Miles or Reward Points on select spending categories. However, keep in mind that Reward Points credit cards may require you to pay an additional conversion fee and may require you to have a minimum number of Points before you can convert them into miles based on mile program of your choice.

    If you are a frequent flyer, make sure you choose a Miles card that gives you additional perks such as free lounge access and free travel insurance among other flight rewards. Miles credit cards are more suitable for frequent flyers who will take the effort to research how to collect miles and tips on getting cheaper flight tickets. Also, make sure to check the validity of your miles and redeem them before they expire

    Please note that although you can use your miles to redeem free air-tickets, you still may need to pay handling fees, airport tax, and fuel surcharge. Be sure to check this before booking your flights to avoid any surprises

    Frequently Asked Questions

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

    Air miles credit cards seem better for frequent flyers, 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 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 cashback 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 I need to know while converting air miles?

    Besides handling fees, banks usually set a minimum amount on converting air miles (usually 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 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.