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.
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We found 9 credit cards for you!
⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 30 September 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 31 October 2026) can receive one of the following rewards:
🎁 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
🎁 2 x AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), 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 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
Valid till 30 Sep 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 30 September 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
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1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$3,388, random color)
・LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599)
・8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200)
・4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600)
・HK$1,800 Apple Store Gift Card/ ParknShop e-Vouchers/ Trip.com Vouchers or
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Choose to redeem the following at a special price with a designated Standard Chartered credit card:
🎁 KooduuSENSA PLAY Dimmable LED lamp and Bluetooth speaker-topped with a handcrafted glass lampshade (Value: HK$2,290), redeem at a discounted price of HK$200 or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490), redeem at a discounted price of HK$200 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,099), redeem at a discounted price of HK$2,900 or
🎁 PHILIPS RO Water Dispenser ADD6921/90 (Value: HK$5,488), redeem at a discounted price of HK$1,700
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 30 Sep 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 30 September 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
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1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$3,388, random color)
・LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599)
・8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200)
・4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600)
・HK$1,800 Apple Store Gift Card/ ParknShop e-Vouchers/ Trip.com Vouchers or
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Choose to redeem the following at a special price with a designated Standard Chartered credit card:
🎁 KooduuSENSA PLAY Dimmable LED lamp and Bluetooth speaker-topped with a handcrafted glass lampshade (Value: HK$2,290), redeem at a discounted price of HK$200 or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490), redeem at a discounted price of HK$200 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,099), redeem at a discounted price of HK$2,900 or
🎁 PHILIPS RO Water Dispenser ADD6921/90 (Value: HK$5,488), redeem at a discounted price of HK$1,700
⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 30 Sep 2026
【🌟No Spending Required upon Approval: MoneySmart Gift + Up to 120,000 Asia Miles / Southeast Asia Business Class round-trip ticket!】
From now until 30 September 2026, new Standard Chartered credit card customers who successfully apply for a Standard Chartered Cathay Mastercard® via MoneySmart can enjoy the following rewards upon card approval, subject to eligibility:
⠀⠀
1️⃣ MoneySmart Exclusive Gift — No Spending Required
Upon card approval, customers can choose ONE of the following gifts with no spending required:
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$3,388, random color)
・LOJEL Cubo 26-inch Front-Opening Expandable Suitcase (Rose) (Value: HK$3,300)
・SONY WF-1000XM6 Wireless Noise Cancelling Earbuds (Value: HK$2,599)
・8 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$5,200)
・4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600)
・HK$1,800 Apple Store Gift Card/ ParknShop e-Vouchers/ Trip.com Vouchers or
⠀⠀
Choose to redeem the following at a special price with a designated Standard Chartered credit card:
🎁 KooduuSENSA PLAY Dimmable LED lamp and Bluetooth speaker-topped with a handcrafted glass lampshade (Value: HK$2,290), redeem at a discounted price of HK$200 or
🎁 Dyson Supersonic™ Travel Hair Dryer HD19 (Value: HK$2,490), redeem at a discounted price of HK$200 or
🎁 Insta360 X6 (Essential Bundle) (Value: $5,099), redeem at a discounted price of HK$2,900 or
🎁 PHILIPS RO Water Dispenser ADD6921/90 (Value: HK$5,488), redeem at a discounted price of HK$1,700
⠀⠀
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$200 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀
2️⃣ Standard Chartered Cathay Mastercard – Reward of your choice of up to 120,000 Asia Miles or FanFest Offer with up to HK$10,000 Cathay Gift Card
・Choose Asia Miles Welcome Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can earn up to 120,000 Asia Miles.
・Choose FanFest Offer: New cardholders who fulfill the designated spending requirement within the first two months after card issuance can receive up to HK$10,000 in Cathay Gift Cards, which can be used to offset the fare of Cathay Pacific-operated flights.
Valid till 30 Sep 2026
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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.