Best Octopus Card AAVS Credit Cards in Hong Kong 2026
Octopus AAVS is the best way to save time and earn credit card rewards at the same time. Top-up your Octopus card with credit cards to get cashback or air miles.
Refine Your Results
We found 9 credit cards for you!
⚡【August Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,999 +Trip.com Promo Codes! 🎉】
From now until 24 August 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 30 September 2026) can receive one of the following rewards:
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
💳 HK$2,200 Apple Store Gift Card / HK$2,400 PlayStation Store Digital Voucher / ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300 or
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 24 Aug 2026
⏰ 7 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 26 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
Valid till 26 Aug 2026
⏰ 7 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 26 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
Valid till 26 Aug 2026
⏰ 7 DAYS ONLY【Get HK$1,800 Vouchers Upon Card Approval with No Spending Required + Up to 120,000 Asia Miles Welcome Offer + 10th Anniversary Special Edition Blind Box!】
From now until 26 August 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy TRIPLE REWARDS:
1️⃣〖🎁 MoneySmart Exclusive Rewards〗No spending required! Upon successful card approval, first enjoy a Trip.com 8% off hotel promo code + HK$200 flight promo code (T&Cs apply), plus choose ONE of the following rewards:
・8 x Plaza Premium Lounge APAC 3-Hour Access Passes* (Total value: HK$5,200)
・4 x Plaza Premium First Hong Kong with Infinity Room 3-Hour Access Passes (Total value: HK$4,600)
・PHILIPS RO Hot & Cold Water Dispenser ADD6912/90 (Value: HK$3,788, random colour)
・LOJEL Cubo 26" Expandable Front-Opening Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599, random colour)
・HK$1,800 Apple Store Gift Card / PARKnSHOP e-Voucher / Trip.com e-Voucher
Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Standard Chartered credit card:
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Dyson Cool™ Fan CF1 (Value: HK$2,490) — Redeem at a special price of HK$200
🎁 Insta360 X5 Standard Bundle (Value: HK$3,699) — Redeem at a special price of HK$1,700
🎁 PHILIPS RO Hot & Cold Water Dispenser ADD6921/90 (Value: HK$5,488) — Redeem at a special price of HK$1,700
2️⃣ 〖✈️ Standard Chartered Welcome Miles Offer〗New credit card customers who meet the designated spending requirements within the first 2 months after card issuance can earn up to 120,000 Asia Miles!
3️⃣ 〖🍀 10th Anniversary Special Edition Blind Box— Valid till 9.20〗*No registration required! Successfully get your card approved during the promotion period to automatically receive 1 lucky draw chance! Win at least 2,000 bonus miles, with the ultimate prize of up to 1,000,000 miles — enough to redeem 4 round-trip Business Class tickets to Europe and 4 round-trip Business Class tickets to Japan*! Plus, there are over 10,000 prizes up for grabs, including Apple Store Gift Cards — everyone wins!
Valid till 26 Aug 2026
.jpg)
.jpg)
.jpg)
【⚡️Unleash Your Wanderlust: 5,000 SmartPoints for Rewards of Your Choice!】
From now until 31 August 2026, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy 5,000 SmartPoints!
⠀⠀
With 5,000 SmartPoints can fully redeem HK$500 e-Vouchers or products (over 20+ brands, including PARKnSHOP, HKTVmall , Apple, Samsung and more) - no spending required! Click here to explore limitless possibilities (T&C applied)! Including bank welcome offer, you can enjoy up to HK$500 rewards, up to 32,000 miles or DAYCROWN - 28" Front-Opening suitcase (fulfilled by DBS)!
Valid till 31 Aug 2026
.png)
.png)
Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, insurance company, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Best Credit Cards for Octopus Automatic Add Value Service (AAVS)
| Credit Card | Rebate | Reload Amount |
|---|---|---|
| Credit Card EarnMORE UnionPay Card | Rebate0.4 | Reload Amount HK$150/HK$250/HK$500 |
| Credit Card Standard Chartered Simply Cash Visa Card | Rebate1.5% | Reload Amount HK$150/HK$250/HK$500 |
| Credit Card Citi Cash Back Card | Rebate1％ | Reload Amount HK$250/HK$500 |
| Credit Card Citi Octopus Platinum Card | Rebate0.5% | Reload Amount HK$250/HK$500 |
| Credit Card Standard Chartered Asia Miles Mastercard | RebateHK$6=1mile | Reload Amount HK$150/HK$250/HK$500 |
| Credit Card Citi Prestige Card | Rebate1% or HK$6=1 mile | Reload Amount HK$250/HK$500 |
| Credit Card DBS Black World Mastercard | Rebate0.4% or HK$12=1 mile | Reload Amount HK$250/HK$500/HK$1,000 |
Why apply for Octopus Automatic Add Value Service (AAVS)?
Enjoy cash rebate
Enjoy air miles
Link up Octopus AAVS with designated credit cards such as Citi Prestige Card and DBS Black World Mastercard to earn air miles for free air tickets, accommodation and rental services.
Enjoy welcome offers
You can top up your Octopus Wallet (previously called O! ePay) via NFC-enabled Android mobile devices or via an iOS mobile device paired up with an Octopus Mobile Reader in order to earn welcome offers.
After card issuance, cardholders are required to first sign up for AAVS first before reloading Octopus daily for transferring funds to Octopus Wallet (previously called O! ePay) account until meeting the minimum spending requirement for credit card welcome offers.
This is how it works. You reload your octopus daily and then transfer the reloaded amount to the Octopus Wallet. But do not stop there! Then, you can transfer the funds back to your bank account to repay your credit card debt. In this way, nothing actually comes out of your pocket, but your octopus which has been signed up for AAVS gets reloaded daily to earn rebate/ air miles from the card provider!
But you can only reload daily! And you can increase the daily limit to earn the most out of it!
Although it requires much effort, cardholders can get welcome offers with no extra cost.
Points to note for AAVS with credit cards
How to apply for Octopus Automatic Add Value Service?
To be eligible, you must be at least 18 years of age and possess a valid credit card from a participating bank:
Choose your bank
The applicant can select one credit card from the list of recommended credit cards from the above. Things you may want to consider include the type of rewards (cash back or miles) and the reload amount.
Submit your application
Fill in your personal particulars on the application form and submit it to your chosen bank, which will then process your application.
Activate your AAVS
It takes 1-2 weeks to process your application. Once approved, an activation letter will be mailed to you. You can then activate your AAVS function in the Octopus App or with an Octopus PC Reader via the Internet.
Octopus Automatic Add Value Service (AAVS) Offers
Offer 1: Receive up to HK$200 spending rebate for linking up AAVS with HSBC credit card
Offer 2: Adds Citi Octopus on iPhone or Apple Watch to get HK$200 Octopus Top-up Value
FAQ
Is Octopus Automatic Add Value Service (AAVS) available for all credit cards?
- No. You can only link up AAVS with designated credit cards such as the above selected credit cards recommended by MoneySmart such as Standard Chartered Simply Cash Visa Card, Citi Cash Back Card, Citi Prestige Card, etc.
Is there a fee for applying for AAVS?
- There is no fee for applying for AAVS. Instead, some banks provide applicants with welcome offers for applying for AAVS. For example, HSBC offers up to HK$200 spending rebates for customers who link up AAVS with HSBC credit cards before 31 Jan 2026.
How to activate AAVS upon successful application?
For Android users, the simplest way is to download Octopus App and activate the service on the applications. Or via an iOS mobile device paired up with an Octopus Mobile Reader. How can I change my AAVS from one bank to another?
To switch to a new bank, you just have to fill in and submit an application form to the newly designated bank. Please note that you will be required to pay a HK$20 handling fee.
How can I change my AAVS from one bank to another?
- To switch to a new bank, you just have to fill in and submit an application form to the newly designated bank. Please note that you will be required to pay a HK$20 handling fee.
How can I cancel the AAVS?
- You can call Octopus Customer Service Hotline on 2266 2222 to cancel the AAVS. An authorisation letter for deactivating the AAVS function on your Octopus will be mailed to you accordingly. You are required to present this letter and your Octopus card to any MTR Customer Service Centre within 10 calendar days to cancel the AAVS.
How to contact Octopus Card centre?
- For enquiry, you can contact the Octopus Customer Service Hotline on 2266 2222 during office hours (Mon-Fri 9 am-9 pm or Sat 9-6 pm).
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.