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Best Octopus Card AAVS Credit Cards in Hong Kong 2023

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. Read More
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Standard Chartered Cathay Mastercard

Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
60,000 miles

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 Klook Gift Card or HK$600 Supermarket Voucher or HK$600 Apple Gift Card! Enjoy up to 60,000 welcome miles! You could enjoy up to 12% Cashback to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!

Valid until 31 Jan 2023 - See more details below
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Standard Chartered Cathay Mastercard - Priority Banking

Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
80,000 miles

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 Klook Gift Card or HK$600 Supermarket Voucher or HK$600 Apple Gift Card! Enjoy up to 60,000 welcome miles! You could enjoy up to 12% Cashback to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!

Valid until 31 Jan 2023 - See more details below
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Standard Chartered Cathay Mastercard - Priority Private

Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
100,000 miles

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 Klook Gift Card or HK$600 Supermarket Voucher or HK$600 Apple Gift Card! Enjoy up to 60,000 welcome miles! You could enjoy up to 12% Cashback to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!

Valid until 31 Jan 2023 - See more details below
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大新銀行 logo
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Dah Sing ONE+ Credit Card

Min. Annual Salary
HK$150,000
Cash back on local spend
1%
Cash back on overseas spend
1%

【Welcome offer Exclusive for MoneySmart Users】From now until 31 January 2023,  New Dah Sing Credit Cardholder to get extra HK$150 supermarket vouchers/Apple Gift Card upon approval on the credit card! Total up to HK$950 rewards including Dah Sing Bank welcome offer. 

Valid until 31 Jan 2023 - See more details below
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DBS 星展銀行 logo
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Miles Conversion (Octopus AAVS)
HK$12/ mile
Cash back on Octopus AAVS
0.4%
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Citibank 花旗銀行 logo
Up to 15% transport fare rebate

Citi Octopus Platinum Card

MoneySmart Limited Time Offer
HK$700
Miles Conversion (Octopus AAVS)
N.A.
Cash back on Octopus AAVS
0.5%
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Minimum Income Requirements
HK$120,000
Miles Conversion (Octopus AAVS)
N.A.
Cash back on Octopus AAVS
1％

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Miles Conversion (Octopus AAVS)
HK$8/ mile
Cash back on Octopus AAVS
N.A.

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
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SCB 渣打銀行 logo
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Miles Conversion (Octopus AAVS)
N.A.
Cash back on Octopus AAVS
1.5%
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Best Credit Cards for Octopus Automatic Add Value Service (AAVS) 2022

Credit Card RebateReload Amount
EarnMORE UnionPay Card2％HK$150/HK$250/HK$500
Standard Chartered Simply Cash Visa Card1.5% HK$150/HK$250/HK$500
Citi Cash Back Card1％HK$250/HK$500
Citi Octopus Platinum Card0.5% HK$250/HK$500
Standard Chartered Asia Miles MastercardHK$6=1mile HK$150/HK$250/HK$500
Citi Prestige Card1% or HK$6=1 mile HK$250/HK$500
DBS Black World Mastercard0.4% or HK$12=1 mile HK$250

Why apply for Octopus Automatic Add Value Service (AAVS)?

Enjoy cash rebate

You can earn up to 2% cash rebate every time you top up your credit card with designated credit cards such as EarnMORE UnionPay Card, Simply Cash Visa Card, etc. cash rebate. It is worth noting that AAVS only reloads once a day and there is a cap on cashback earnings.

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

Although cardholders cannot top-up O! ePay directly, new customers can still make use of an octopus card and a mobile phone supporting NFC function to top up 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 O! ePay account until meeting the minimum spending requirement for credit card welcome offers. Although it requires much effort, cardholders can get welcome offers with no extra cost.

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Points to note for AAVS with credit cards

  • Reload limit: AAVS only reloads once and the amount is between HK$150/HK$250/HK$500, depending on cardholders’ preference.
  • Loss of Octopus Card: In case you lose your Octopus card with AAVS, you should immediately call the Lost Octopus Reporting Hotline on 2266 2266 to minimise your loss because you are still liable to the expenses of the card for the first three hours.
  • Apply for AAVS for more than one credit card: You can apply AAVS for up to 6 octopus cards, including three octopus cards for yourself or 3 for your friends and family.

    • 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:

    Step 1

    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.

    Step 2

    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.

    Step 3

    Activate your AAVS

    It takes two to three 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 HK$50 spending rebate for linking up AAVS with HSBC credit card

    Linking up Octopus Automatic Add Value Service (AAVS) with HSBC credit card to receive a HK$50 spending rebate on top of the basic RewardCash with every reload. Promotion ends on 30 June 2020.

    Offer 2: Upgrade Auto-reload Amount to HK$500 to enjoy HK$50 Top-up Value

    From now until 30 June 2020, enjoy HK$50 Octopus top-up value when you upgrade your auto-reload amount from HK$150 or HK$250 to HK$500. To be eligible, the cardholder needs to register for the upgrade promotion, and complete at least one auto-reload transaction on or before 31 July 2020.

    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 EarnMORE UnionPay Card, Standard Chartered Simply Cash Visa Card, Citi Cash Back Card, Citi Octopus Platinum Card, Standard Chartered Asia Miles Mastercard, Citi Prestige Card and DBS Black World Mastercard, 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 HK$50 spending rebates for customers who link up AAVS with HSBC credit cards before 30 June 2020.

    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. Non-Android users need to buy a compatible Near Field Communication (NFC)-enabled mobile device to activate AAVS.

    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).