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Updated October 2019
Earn air miles when you spend, and travel for free with HSBC 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$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$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! |
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! |
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! |
| Credit Card | Minimum Annual Salary | Local Spend Miles Conversion |
|---|---|---|
| HSBC Visa Signature Card | HK$360,000 | HK$2.78 = 1 Mile |
| HSBC Visa Platinum Card | HK$150,000 | HK$4.17 = 1 Mile |
| HSBC Visa Gold Card | HK$60,000 | HK$4.17 = 1 Mile |
| HSBC UnionPay Dual Currency Credit Card | HK$60,000 | HK$4.17 = 1 Mile |
| HSBC UnionPay Dual Currency Diamond Card | HK$150,000 | HK$4.17 = 1 Mile |
HSBC Visa Signature Card is best for collecting maximum amount of points on a particular category of choosing, especially for foreign transactions. Cardholders can automatically enjoy an additional of 1.2% RewardCash rebate in all spending categories of "Red Hot Rewards of Your Choice" and up to 2.4% RewardCash rebate with “Red Hot Rewards of Your Choice”. Moreover, cardholders can earn up to 2% RewardCash rebate with “Red Hot Online & Overseas Spending Rewards” It amounts to 5.6% RewardCash rebate with the above-mentioned rewards programmes for eligible transactions. Cardholders can also enjoy offers for hotel buffet and movie tickets.
HSBC Premier Mastercard is designed for HSBC Premier customers. It offers a high earning ratio of up to 6.4% RewardCash rebate on eligible overseas spending. For Rewards of Your Choice category, cardholders can earn up to 6X RewardCash, which is up to 2.4%. This card doesn’t charge an annual fee and cardholders can enjoy pre-approved cards for family members. Cardholders can enjoy buy-1-get-1 free dining privileges at Michelin restaurants. Moreover, it offers 15% off hotel room booking via Expedia website and HK$800 rebate and extra 800 AsiaMiles for flight booking on Cathay Pacific website.
Only HSBC Advance customers can apply for HSBC Advance Visa Platinum Card. Cardholders can earn RewardCash for paying bills online. For spending in Rewards of Your Choice category, cardholders can earn up to 6X RewardCash, which is up to 2.4%. Cardholders can enjoy perpetual annual fee waiver, HK$300 spending rebate for spending HK$3,000 or more made via Apple Pay at Cathay Pacific App in one go and HK$100 discount on all airlines/ destination flight bookings for spending HK$1,000 or more at Trip.com.
HSBC Visa Gold Card is a basic everyday card with dining and shopping offers. It has a friendly salary requirement (HK$60,000). Cardholders can earn up to 2.4% RewardCash rebate with “Red Hot Rewards of Your Choice” and 2% RewardCash rebate with “Red Hot Online & Overseas Spending Rewards. It also offers exclusive shopping, dining and entertainment offers and privileges with home&Away. Moreover, emergency and travel assistance are available all over the world for 24 hours a day.
Besides the basic reward earned for your everyday shopping, HSBC credit cardholders can earn extra 5X RewardCash throughout the year simply by signing up for Red Hot Rewards of Your Choice and allocate the bonus RewardCash to your preferred spending categories. If you are a frequent traveller, you may want to select 'Overseas Spending' to maximise your rewards. RewardCash can be redeemed for Asia Miles. What’s more, with designated credit cards, you can enjoy travel offers at participating merchants.
From now until 31 Dec 2019, cardholders can enjoy up to 2.4% RewardCash rebate for eligible foreign currency spending for signing up for the ‘Red Hot Online and Overseas Spending Rewards’, capped at $300 for each quarter.
From now until 29 Feb 2020, card members can receive HK$300 spending rebate for spending HK$3,000 or above in one single transaction via Apple Pay at Cathay Pacific App ("CX App").
With Mileage Program, Cardholders can exchange the RewardCash earned rom eligible transactions for air miles. For HSBC Premier customer, RewardCash can also be redeemed for British Airways Executive Club and Singapore Airlines KrisFlyer miles. But cardholders need to enrol in the Mileage Programme first before starting to redeem miles and tickets for flights around the world.
Cardholders can collect RewardCash with an HSBC credit card and transfer them to the Mileage Programme online then visit a participating airline’s website to redeem for flights.
To enrol in the Mileage Programme, cardholders are required to submit an online enrolment form with the Asia Miles membership number then cardholders can convert points into miles.
You can call HSBC credit card customer service at 2233 3000. You can use this shortcut key 2 > 3># > 0 to speak to a customer service representative for annual fee waiver or other credit card issues. To report card loss, please use 2> 3> *> 1.
If you are a permanent resident of Hong Kong and an existing HSBC customer with payroll account in HSBC, you can apply your credit card online and no supporting document is required. For other applicants, the easiest way to apply for a credit card is to complete an application form online with required documents such as identity proof, address proof and income proof.
Applicant is required to submit HKID Card copy. If you do not hold a HKID Card, please provide passport copy with recent employment contract instead.
HSBC accepts utility bill/ electricity bill/ bank statement from the last 3 months as proof of address.
Depending upon your source of income, the income/ asset proof varies. If you get paid monthly, you will need to submit latest 1 month payslip/ eStatement/ online transaction history. If you are self-employed, last 3 months' bank book/statement/eStatement/online transaction history, current BR, and recent 2 years Tax Return are required.
With HSBC credit cards, you can earn $1 RewardCash for every HK$250 spent. For dual currency RMB credit card accounts, you’ll need to spend RMB250 to earn $1 RewardCash.
The conversion rate from HSBC RewardCash to Asia Miles is $1 RewardCash = 10 Miles. Credit cardholders must transfer a minimum of $40 RewardCash.
The conversion rate from HSBC RewardCash to KrisFlyer Miles is $1 RewardCash = 15 Miles. It may take anywhere from four to six weeks for the points to be transferred to the KrisFlyer account.