Best Air Miles Credit Cards in Hong Kong 2020

Finding the ideal travel card depends on whether you want to rapidly earn miles, enjoy luxury perks, or simply travel in a more accessible and affordable way. We've compared over 300+ credit cards to find the best options for travellers fitting into each of these categories.

Best Overall Miles Credit Cards
Best Miles Cards for Local Spenders
Best Miles Cards with Luxury Perks
Best Airline Miles Cards

Compare Best Air Miles Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best air miles credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best air miles credit cards compare to one another in terms of their rewards
Best Air Miles Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Overall Miles Cards Best Miles Cards for Local Spenders Best Miles Cards with Luxury Perks Best Airline Miles Cards

Compare Best Air Miles Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best air miles credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best air miles credit cards compare to one another in terms of their rewards
Best Air Miles Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best Overall Miles Credit Cards

Consider the following cards for the best overall options to earn miles.

Standard Chartered Asia Miles Mastercard: Dining Boost + Banking Rewards

  • Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
Standard Chartered Asia Miles Mastercard provides consumers with the opportunity to earn remarkable miles rates across the board, including a base rate nearly 2.5 times the market standard. Even better, Standard Chartered Asia Miles Mastercard rewards one of the most common spending categories–dining–which represents a large portion of many consumers’ spending. Cardholders earn 0.750 miles per HK$1 spend with select restaurants, boosted to 1.250 miles on Mondays. In addition, consumers earn a respectable 0.250 miles per HK$1 on other dining, online & overseas spend. Finally, cardholders earn 0.167 miles per HK$1 of general spend, which is still well above the market standard base rate of 0.067.


In addition to miles earned on spending, SC customers also enjoy free miles every month simply for maintaining an investment, premium deposit, insurance, personal instalment loan, mortgage loan, payroll or online banking account. Cardholders earn 70 miles per month for each active account, which maxes out at 490 miles per month, or an impressive 5,880 miles per year. Consumers who hold a Premium, Priority or Bonus Payroll SC banking account can also enjoy waived annual fees. Altogether, SC Asia Miles Mastercard is great for consumers seeking top rates in key spend categories along with rewards for their SC banking relationship.

  • Stand-Out: Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
Standard Chartered Asia Miles Mastercard provides consumers with the opportunity to earn remarkable miles rates across the board, including a base rate nearly 2.5 times the market standard. Even better, Standard Chartered Asia Miles Mastercard rewards one of the most common spending categories–dining–which represents a large portion of many consumers’ spending. Cardholders earn 0.750 miles per HK$1 spend with select restaurants, boosted to 1.250 miles on Mondays. In addition, consumers earn a respectable 0.250 miles per HK$1 on other dining, online & overseas spend. Finally, cardholders earn 0.167 miles per HK$1 of general spend, which is still well above the market standard base rate of 0.067.


In addition to miles earned on spending, SC customers also enjoy free miles every month simply for maintaining an investment, premium deposit, insurance, personal instalment loan, mortgage loan, payroll or online banking account. Cardholders earn 70 miles per month for each active account, which maxes out at 490 miles per month, or an impressive 5,880 miles per year. Consumers who hold a Premium, Priority or Bonus Payroll SC banking account can also enjoy waived annual fees. Altogether, SC Asia Miles Mastercard is great for consumers seeking top rates in key spend categories along with rewards for their SC banking relationship.

Citi PremierMiles Card: Rapidly Earn Miles With No Conversion Fees

  • No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, waived perpetually w/ HK$100k spend/yr
  • 0.333 miles per HK$1 overseas & online spend w/ HK$20k spend/mo (0.250 miles if below)
  • 0.125 miles per HK$1 local spend
  • 1 free lounge visit per HK$5k spend per person in next mo, up to 12 visits/yr
  • No miles conversion fee
Consumers looking to quickly earn miles without paying conversion fees should consider the Citi PremierMiles Card. Cardholders who spend at least HK$20k a month earn 0.333 miles per HK$1 spend online and overseas, which is amongst the highest rates available in these categories. Lower spenders still earn a respectable 0.250 miles per HK$1 online and overseas, and all cardholders earn 0.125 miles per HK$1 on local retail. Earned miles can be redeemed without conversion or transfer fees, allowing consumers to save the typical HK$100+ fee usually charged by miles cards.


In terms of perks, consumers can enjoy up to 12 free lounge visits a year, as long as they spend HK$5k in the month after enjoying the perk. This is superior to the majority of lounge perks offered by competing cards, which tend to provide at most 3 visits per year and require HK$12k in spending in the prior 2 months (HK$6k per month on average). Even better, cardholders enjoy waived annual fees by spending above HK$100k a year, which is achievable for most consumers. Overall, Citi PremierMiles Card is perfect for consumers looking to rapidly earn miles without worrying about redemption fees cutting into their rewards.

  • Stand-Out: No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, waived perpetually w/ HK$100k spend/yr
  • 0.333 miles per HK$1 overseas & online spend w/ HK$20k spend/mo (0.250 miles if below)
  • 0.125 miles per HK$1 local spend
  • 1 free lounge visit per HK$5k spend per person in next mo, up to 12 visits/yr
  • No miles conversion fee
Consumers looking to quickly earn miles without paying conversion fees should consider the Citi PremierMiles Card. Cardholders who spend at least HK$20k a month earn 0.333 miles per HK$1 spend online and overseas, which is amongst the highest rates available in these categories. Lower spenders still earn a respectable 0.250 miles per HK$1 online and overseas, and all cardholders earn 0.125 miles per HK$1 on local retail. Earned miles can be redeemed without conversion or transfer fees, allowing consumers to save the typical HK$100+ fee usually charged by miles cards.


In terms of perks, consumers can enjoy up to 12 free lounge visits a year, as long as they spend HK$5k in the month after enjoying the perk. This is superior to the majority of lounge perks offered by competing cards, which tend to provide at most 3 visits per year and require HK$12k in spending in the prior 2 months (HK$6k per month on average). Even better, cardholders enjoy waived annual fees by spending above HK$100k a year, which is achievable for most consumers. Overall, Citi PremierMiles Card is perfect for consumers looking to rapidly earn miles without worrying about redemption fees cutting into their rewards.

DBS Black World Mastercard: Flight Discounts When Redeeming Miles

  • 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver if apply before 31 March 2020
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO
DBS Black World Mastercard provides consumers with access to luxury travel perks and deep discounts when redeeming miles. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles locally. Consumers also receive a 45% discount on flight prices when redeeming miles through DBS’s iGO platform. Rewards can alternatively be converted into Asia Miles, Air China PhoenixMiles, British Airways Avios, and KrisFlyer Miles with no transfer fee, which is quite rare across miles cards.


In terms of perks, cardholders enjoy flat rate limo transfer services and lounge visits with no minimum spend requirements. DBS Black World Mastercard does have a high HK$2k annual fee, however, which is only waived for the first year. Even with this added cost, DBS Black World Mastercard is still great for travellers who prioritise maximising the flight redemption value of their rewards.

  • Stand-Out: 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver if apply before 31 March 2020
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO
DBS Black World Mastercard provides consumers with access to luxury travel perks and deep discounts when redeeming miles. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles locally. Consumers also receive a 45% discount on flight prices when redeeming miles through DBS’s iGO platform. Rewards can alternatively be converted into Asia Miles, Air China PhoenixMiles, British Airways Avios, and KrisFlyer Miles with no transfer fee, which is quite rare across miles cards.


In terms of perks, cardholders enjoy flat rate limo transfer services and lounge visits with no minimum spend requirements. DBS Black World Mastercard does have a high HK$2k annual fee, however, which is only waived for the first year. Even with this added cost, DBS Black World Mastercard is still great for travellers who prioritise maximising the flight redemption value of their rewards.

Best Air Miles Cards for Local Spenders

Consumers who spend most of their time in Hong Kong should consider these cards.

CCB eye Platinum Credit Card: Top Miles for Online & Mobile Spend

  • Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB
CCB eye Platinum Card offers modern consumers a maintenance-free way to rapidly earn miles on their contactless spend. Cardholders earn an impressive 0.333 miles per HK$1 spend online or using mobile pay, boosted to 0.469 miles for contactless transactions overseas. Traditional local and overseas spend earn 0.067 miles and 0.201 miles per HK$1, respectively, so this card is best fit for those comfortable with using a digital wallet. Finally, CCB eye Platinum Credit Card has no annual fee, allowing cardholders to earn miles without worrying about added costs. Overall, modern consumers seeking a no-fee opportunity to earn miles on contactless spend should strongly consider the CCB eye Platinum Credit Card.
  • Stand-Out: Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB
CCB eye Platinum Card offers modern consumers a maintenance-free way to rapidly earn miles on their contactless spend. Cardholders earn an impressive 0.333 miles per HK$1 spend online or using mobile pay, boosted to 0.469 miles for contactless transactions overseas. Traditional local and overseas spend earn 0.067 miles and 0.201 miles per HK$1, respectively, so this card is best fit for those comfortable with using a digital wallet. Finally, CCB eye Platinum Credit Card has no annual fee, allowing cardholders to earn miles without worrying about added costs. Overall, modern consumers seeking a no-fee opportunity to earn miles on contactless spend should strongly consider the CCB eye Platinum Credit Card.

BEA Flyer World Mastercard: Boosted Rewards for Local Diners

  • Earn 0.2 miles/HK$1 on day-to-day spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st year fee waiver, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • Access to over 1000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans
BEA Flyer World Mastercard is great for occasional travellers who spend a great deal of their time in Hong Kong. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government agencies, boosted to 0.200 miles everywhere else–amongst the highest general spend rates on the market. Local spenders can also often benefit from entertainment perks like access to the Hong Kong Jockey Club Visitor Box and discounted movie tickets. And, when they do fly abroad, consumers can also enjoy discounted lounge access for just US$32 per visit.


Although BEA Flyer World Mastercard does have a HK$1.8k annual fee, this is waived for BEA mortgage, consumer loan, deposit or Mandatory Provident Fund account holders. Ultimately, BEA Flyer World Mastercard is ideal for occasional travellers who want to quickly earn miles on their everyday spend.

  • Stand-Out: Earn 0.2 miles/HK$1 on day-to-day spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st year fee waiver, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • Access to over 1000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans
BEA Flyer World Mastercard is great for occasional travellers who spend a great deal of their time in Hong Kong. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government agencies, boosted to 0.200 miles everywhere else–amongst the highest general spend rates on the market. Local spenders can also often benefit from entertainment perks like access to the Hong Kong Jockey Club Visitor Box and discounted movie tickets. And, when they do fly abroad, consumers can also enjoy discounted lounge access for just US$32 per visit.


Although BEA Flyer World Mastercard does have a HK$1.8k annual fee, this is waived for BEA mortgage, consumer loan, deposit or Mandatory Provident Fund account holders. Ultimately, BEA Flyer World Mastercard is ideal for occasional travellers who want to quickly earn miles on their everyday spend.

ICBC Global Travel Platinum Mastercard: Perks for Visiting Macau

  • Discounts at top Macau hotels + 20% off Cotai Water Jet tickets
  • Promotions: Receive HK$150 free credit spending limit w/ HK$1.5k min. spend in 1st 2mo
  • Annual fee: HK$1k
  • Earn 0.167 PhoenixMiles per HK$1 spend OR 0.50% cashback
  • Note: 1 PhoenixMile is worth approximately 0.5 Asia Miles
  • 20% discount on Cotai Water Jet city route
  • Buy-3-get-1 free of TurboJET regular fare round trip tickets
  • Hotel privileges at Macao Cotai Central, The Parisian Macao and the Venetian Macao
ICBC Global Travel Platinum Mastercard is great for regional travellers seeking flat miles rates, especially those who frequently visit Macau. To begin with, cardholders earn a flat 0.167 PhoenixMiles per HK$1 spend on any purchase. Cardholders do have the option to earn rewards in the form of a 0.50% rebate instead, but the redemption value when opting for PhoenixMiles is actually worth about .835% in cashback equivalent. Consumers should note that even with this favorable rate, each PhoenixMile is only worth about half an Asia Miles.


As mentioned, this card is especially fitting for those who frequently visit Macau. Cardholders enjoy a 20% discount on adult full fare tickets to and from Macau with Cotai Water Jet, plus a free bonus ticket with purchase of 3 round trip TurboJet tickets. Once in Macau, consumers also enjoy spa, buffet and bed & breakfast package discounts at Macao Cotai Central, The Parisian Macao, and The Venetian Macao. Overall, consumers who want a straightforward card and spend a great deal of time in Macau may want to consider the ICBC Global Travel Platinum Mastercard.

  • Stand-Out: Discounts at top Macau hotels + 20% off Cotai Water Jet tickets
  • Promotions: Receive HK$150 free credit spending limit w/ HK$1.5k min. spend in 1st 2mo
  • Annual fee: HK$1k
  • Earn 0.167 PhoenixMiles per HK$1 spend OR 0.50% cashback
  • Note: 1 PhoenixMile is worth approximately 0.5 Asia Miles
  • 20% discount on Cotai Water Jet city route
  • Buy-3-get-1 free of TurboJET regular fare round trip tickets
  • Hotel privileges at Macao Cotai Central, The Parisian Macao and the Venetian Macao
ICBC Global Travel Platinum Mastercard is great for regional travellers seeking flat miles rates, especially those who frequently visit Macau. To begin with, cardholders earn a flat 0.167 PhoenixMiles per HK$1 spend on any purchase. Cardholders do have the option to earn rewards in the form of a 0.50% rebate instead, but the redemption value when opting for PhoenixMiles is actually worth about .835% in cashback equivalent. Consumers should note that even with this favorable rate, each PhoenixMile is only worth about half an Asia Miles.


As mentioned, this card is especially fitting for those who frequently visit Macau. Cardholders enjoy a 20% discount on adult full fare tickets to and from Macau with Cotai Water Jet, plus a free bonus ticket with purchase of 3 round trip TurboJet tickets. Once in Macau, consumers also enjoy spa, buffet and bed & breakfast package discounts at Macao Cotai Central, The Parisian Macao, and The Venetian Macao. Overall, consumers who want a straightforward card and spend a great deal of time in Macau may want to consider the ICBC Global Travel Platinum Mastercard.

Best Miles Cards with Luxury Perks

These cards permit consumers to travel in luxury and more conveniently enjoy their trips.

Bank of Communications CUP Dual Currency Diamond Credit Card: Accessible Luxury Perks

  • Complimentary lounge & discounted limo, no annual fee
  • Promotions: With joint application for BOC Visa Platinum Card, receive up to HK$300 cashback with HKD or CNY 6k spend within 1st 3mo, OR:
  • Receive Hedgren Backpack with HKD or CNY 4.5k spend within 1st 3mo, OR:
  • Receive HK$338 Cross Border SIM & HK$500 Handset Coupon with HKD or CNY 4.5k spend within 1st 3mo
  • Annual Fee: Free
  • 0.167 miles per HK$1 China and overseas spend
  • 0.083 miles per HK$1 local spend
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 lounge visits/year
Consumers seeking an accessible option to enjoy luxury perks should consider the Bank of Communications CUP Dual Currency Diamond Credit Card. Cardholders earn 0.167 miles per HK$1 overseas spend and 0.083 miles per HK$1 local retail. Cardholders also enjoy separate billing for HKD and RMB spend, waived foreign transaction fees, up to 3 lounge visits per year and limo transfer services for a flat rate of HK$250 each way.


Amongst other luxury travel cards, Bank of Communications CUP Dual Currency Diamond Card differentiates itself by requiring a minimum income of just HK$150k and by never charging an annual fee. Other UnionPay cards often require a minimum annual salary of HK$200k+ and only waive fees if a minimum spend requirement is met, if at all. Altogether, Bank of Communications CUP Dual Currency Diamond Credit Card offers an accessible way for the average consumer to enjoy luxury perks and earn respectable miles rates.

  • Stand-Out: Complimentary lounge & discounted limo, no annual fee
  • Promotions: With joint application for BOC Visa Platinum Card, receive up to HK$300 cashback with HKD or CNY 6k spend within 1st 3mo, OR:
  • Receive Hedgren Backpack with HKD or CNY 4.5k spend within 1st 3mo, OR:
  • Receive HK$338 Cross Border SIM & HK$500 Handset Coupon with HKD or CNY 4.5k spend within 1st 3mo
  • Annual Fee: Free
  • 0.167 miles per HK$1 China and overseas spend
  • 0.083 miles per HK$1 local spend
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 lounge visits/year
Consumers seeking an accessible option to enjoy luxury perks should consider the Bank of Communications CUP Dual Currency Diamond Credit Card. Cardholders earn 0.167 miles per HK$1 overseas spend and 0.083 miles per HK$1 local retail. Cardholders also enjoy separate billing for HKD and RMB spend, waived foreign transaction fees, up to 3 lounge visits per year and limo transfer services for a flat rate of HK$250 each way.


Amongst other luxury travel cards, Bank of Communications CUP Dual Currency Diamond Card differentiates itself by requiring a minimum income of just HK$150k and by never charging an annual fee. Other UnionPay cards often require a minimum annual salary of HK$200k+ and only waive fees if a minimum spend requirement is met, if at all. Altogether, Bank of Communications CUP Dual Currency Diamond Credit Card offers an accessible way for the average consumer to enjoy luxury perks and earn respectable miles rates.

Citi Prestige Card: Top-Tier Luxury Perks

  • Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Citi Prestige Card is perfect for high-income consumers who want the highest level of luxury in their travels. Cardholders earn 0.250 miles per HK$1 overseas spend, and 0.167 miles per HK$1 local spend. On top of miles earned, cardholders also receive a yearly "Thank You Gift" of 20k bonus miles, worth approximately HK$2k. Cardholders are also rewarded for their Citi relationship type and tenure with Annual Relationship points–equal to up to 30% of the rewards earned in the preceding year.


Additionally, Citi Prestige Card offers a free 4th night stay at any hotel, a complimentary lounge visit with every flight and waived green fees at select golf courses across Asia. Competing luxury cards usually don’t offer a free hotel stay, and cards that offer lounge visits often have a minimum spend requirement and limit the number of visits per year. Consumers should note that Citi Prestige Card is only accessible to very high earners, requiring a minimum annual income of HK$600k and charging an annual fee of HK$3.8k. Nonetheless, Citi Prestige Card provides wealthy consumers the opportunity to enjoy some of the most outstanding luxury perks available on the market.

  • Stand-Out: Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Citi Prestige Card is perfect for high-income consumers who want the highest level of luxury in their travels. Cardholders earn 0.250 miles per HK$1 overseas spend, and 0.167 miles per HK$1 local spend. On top of miles earned, cardholders also receive a yearly "Thank You Gift" of 20k bonus miles, worth approximately HK$2k. Cardholders are also rewarded for their Citi relationship type and tenure with Annual Relationship points–equal to up to 30% of the rewards earned in the preceding year.


Additionally, Citi Prestige Card offers a free 4th night stay at any hotel, a complimentary lounge visit with every flight and waived green fees at select golf courses across Asia. Competing luxury cards usually don’t offer a free hotel stay, and cards that offer lounge visits often have a minimum spend requirement and limit the number of visits per year. Consumers should note that Citi Prestige Card is only accessible to very high earners, requiring a minimum annual income of HK$600k and charging an annual fee of HK$3.8k. Nonetheless, Citi Prestige Card provides wealthy consumers the opportunity to enjoy some of the most outstanding luxury perks available on the market.

American Express Cathay Pacific Elite Credit Card: Limitless Lounge Visits for Cathay Pacific Flyers

  • 10 free lounge visits/yr at HKIA
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership 0.333 miles per HK$1 Cathay Pacific flight spend, 0.250 miles overseas & 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership
Cathay Pacific loyalists seeking free lounge visits and very competitive miles rewards should consider American Express Cathay Pacific Elite Credit Card. Cardholders earn 0.333 miles per HK$1 of Cathay Pacific flight booking, 0.250 miles on foreign currency spend, and 0.167 miles on local retail–some of the highest overall miles rewards that are especially perfect for airline loyalists.


In terms of perks, primary and supplementary cardholders enjoy 10 free lounge visits per year at over 80 Plaza Premium Lounges worldwide. This access is far less restrictive than what most competitor cards offer, where a minimum spend requirement is often required for "free" visit. Amex Cathay Pacific Elite also waives enrolment fees for a Green tier membership in the Marco Polo Club, a loyalty rewards program that offers additional perks like priority check-in, lounge access upgraded seats and more. Such luxury perks allow cardholders to truly enjoy comfortable, stress-free travel with every flight.

Amex Cathay Pacific Elite is only available to more affluent consumers due to its high minimum income requirement of HK$300k. Nonetheless, it offers an annual fee waiver to those spending at least HK$150k a year (HK$12.5k a month on average) or who upgrade to the Marco Polo Club Silver tier. Altogether, American Express Cathay Pacific Elite Credit Card is perfect for high-earning, frequent Cathay Pacific flyers seeking luxury and convenience before their flights.

  • Stand-Out: 10 free lounge visits/yr at HKIA
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership 0.333 miles per HK$1 Cathay Pacific flight spend, 0.250 miles overseas & 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership
Cathay Pacific loyalists seeking free lounge visits and very competitive miles rewards should consider American Express Cathay Pacific Elite Credit Card. Cardholders earn 0.333 miles per HK$1 of Cathay Pacific flight booking, 0.250 miles on foreign currency spend, and 0.167 miles on local retail–some of the highest overall miles rewards that are especially perfect for airline loyalists.


In terms of perks, primary and supplementary cardholders enjoy 10 free lounge visits per year at over 80 Plaza Premium Lounges worldwide. This access is far less restrictive than what most competitor cards offer, where a minimum spend requirement is often required for "free" visit. Amex Cathay Pacific Elite also waives enrolment fees for a Green tier membership in the Marco Polo Club, a loyalty rewards program that offers additional perks like priority check-in, lounge access upgraded seats and more. Such luxury perks allow cardholders to truly enjoy comfortable, stress-free travel with every flight.

Amex Cathay Pacific Elite is only available to more affluent consumers due to its high minimum income requirement of HK$300k. Nonetheless, it offers an annual fee waiver to those spending at least HK$150k a year (HK$12.5k a month on average) or who upgrade to the Marco Polo Club Silver tier. Altogether, American Express Cathay Pacific Elite Credit Card is perfect for high-earning, frequent Cathay Pacific flyers seeking luxury and convenience before their flights.

Best Airline Miles Credit Cards

These cards are ideal for consumers who frequently fly with specific airlines.

CCB (Asia) Hong Kong Airlines Fly Away Credit Card: Maintenance-Free FWC Points

  • 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Annual fee: Free
  • 0.250 FWC points per HK$1 overseas, Hong Kong Airlines & inflight retail spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • No handling fee for FWC points conversion
  • Priority check-in, priority boarding & 5 free lounge visits/yr for HKA flights from HKIA
CCB Hong Kong Airlines Fly Away Credit Card provides consumers with a no-fee opportunity to earn FWC points. Cardholders earn 0.250 FWC points per HK$1 spend on HKA flights, inflight retail and overseas, and 0.167 FWC points per HK$1 spend on local retail. Consumers can redeem FWC points–the currency of Hainan Airlines Fortune Wings Club–to offset or pay for flights on any Hainan Airlines subsidiary, including HKA, Beijing Capital Airlines, Tianjin Airlines & more. FWC points are roughly equal in value to Asia Miles.


Before flights on HKA out of HKIA, cardholders can also enjoy priority check-in & boarding and up to 5 free lounge visits per year. Unlike most lounge offerings provided by miles cards, both the cardholder and their guests can redeem the visits (each guest counts as an additional visit) with no minimum spend requirements. Finally, CCB Hong Kong Airlines Fly Away Credit Card has no annual fee, providing a maintenance-free way for consumers to earn miles towards their next HKA flight.

  • Stand-Out: 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
  • Annual fee: Free
  • 0.250 FWC points per HK$1 overseas, Hong Kong Airlines & inflight retail spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • No handling fee for FWC points conversion
  • Priority check-in, priority boarding & 5 free lounge visits/yr for HKA flights from HKIA
CCB Hong Kong Airlines Fly Away Credit Card provides consumers with a no-fee opportunity to earn FWC points. Cardholders earn 0.250 FWC points per HK$1 spend on HKA flights, inflight retail and overseas, and 0.167 FWC points per HK$1 spend on local retail. Consumers can redeem FWC points–the currency of Hainan Airlines Fortune Wings Club–to offset or pay for flights on any Hainan Airlines subsidiary, including HKA, Beijing Capital Airlines, Tianjin Airlines & more. FWC points are roughly equal in value to Asia Miles.


Before flights on HKA out of HKIA, cardholders can also enjoy priority check-in & boarding and up to 5 free lounge visits per year. Unlike most lounge offerings provided by miles cards, both the cardholder and their guests can redeem the visits (each guest counts as an additional visit) with no minimum spend requirements. Finally, CCB Hong Kong Airlines Fly Away Credit Card has no annual fee, providing a maintenance-free way for consumers to earn miles towards their next HKA flight.

BOC Hong Kong Airlines Visa Platinum Card: Bonus Points on HKA Flights

  • Bonus FWC points on HKA bookings through app or website
  • Promotions: Receive 13k FWC points w/ HK$13k spend & 3 mobile pay in 1st 3mo, OR:
  • Receive 8k FWC points w/ HK$8k spend & 3 mobile pay in 1st 3mo
  • Receive 2k FWC pts (up to 18k) for every additional card application
  • Annual fee: HK$1.6k, 2-yr waiver
  • 0.250 FWC points per HK$1 overseas & online spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • 5 free VIP lounge visits/yr at HKIA when flying with HKA
  • Receive extra FWC points for booking HKA flights through app or website
Consumers who frequently book expensive or long-haul HKA flights should strongly consider BOC Hong Kong Airlines Visa Platinum Card. Cardholders earn 0.250 FWC points per HK$1 of online and overseas spend, and 0.167 FWC points per HK$1 of general spend. In addition to points earned through their spend, cardholders receive bonus points on HKA flight bookings through the HKA website or app. In these cases, cardholders earn 500 FWC points for booking flights costing at least HK$5k, with an additional 500 FWC Points for every additional HK$5k increase in purchase amount. For example, cardholders earn an extra 500 FWC points on single transactions between HK$5k and HK$9.99k, 1,000 FWC points on transactions between HK$10k and HK$14.99k, and so on. In this fashion, first-class and long-distance flyers are especially rewarded for the are especially rewarded for their spend on HKA flights. Although affiliated with Hainan Airlines, FWC points have about the same value as Asia Miles.


As an additional travel perk, cardholders can enjoy 5 free lounge visits per year at HKIA before their HKA flights. These visits may be used by cardholders or their guests and have no associated spend requirement. Altogether, BOC Hong Kong Airlines is excellent for HKA loyalists who tend to purchase long-haul or high-class flights.

  • Stand-Out: Bonus FWC points on HKA bookings through app or website
  • Promotions: Receive 13k FWC points w/ HK$13k spend & 3 mobile pay in 1st 3mo, OR:
  • Receive 8k FWC points w/ HK$8k spend & 3 mobile pay in 1st 3mo
  • Receive 2k FWC pts (up to 18k) for every additional card application
  • Annual fee: HK$1.6k, 2-yr waiver
  • 0.250 FWC points per HK$1 overseas & online spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • 5 free VIP lounge visits/yr at HKIA when flying with HKA
  • Receive extra FWC points for booking HKA flights through app or website
Consumers who frequently book expensive or long-haul HKA flights should strongly consider BOC Hong Kong Airlines Visa Platinum Card. Cardholders earn 0.250 FWC points per HK$1 of online and overseas spend, and 0.167 FWC points per HK$1 of general spend. In addition to points earned through their spend, cardholders receive bonus points on HKA flight bookings through the HKA website or app. In these cases, cardholders earn 500 FWC points for booking flights costing at least HK$5k, with an additional 500 FWC Points for every additional HK$5k increase in purchase amount. For example, cardholders earn an extra 500 FWC points on single transactions between HK$5k and HK$9.99k, 1,000 FWC points on transactions between HK$10k and HK$14.99k, and so on. In this fashion, first-class and long-distance flyers are especially rewarded for the are especially rewarded for their spend on HKA flights. Although affiliated with Hainan Airlines, FWC points have about the same value as Asia Miles.
As an additional travel perk, cardholders can enjoy 5 free lounge visits per year at HKIA before their HKA flights. These visits may be used by cardholders or their guests and have no associated spend requirement. Altogether, BOC Hong Kong Airlines is excellent for HKA loyalists who tend to purchase long-haul or high-class flights.

American Express Cathay Pacific Credit Card: Rapid Miles for Cathay Pacific Loyalists

  • 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership
Everyday consumers who frequently fly with Cathay Pacific should consider American Express Cathay Pacific Credit Card. Cardholders earn 0.250 miles per HK$1 of Cathay Pacific flight bookings, 0.188 miles per HK$1 foreign currency spend, and 0.125 miles per HK$1 local spend. In-flight purchases also earn 0.400 miles per HK$1 spend, as long as the total net purchase is at least HK$500.


In terms of perks, cardholders enjoy 2 free Plaza Premium lounge visits every year and waived enrolment fees for a Marco Polo Club Green tier membership. Membership in the Marco Polo Club, the rewards program of Cathay Pacific, allows cardholders to earn additional Club Points on flights and enjoy extra perks like priority check-in, seat upgrade options and lounge access. Even better, annual fees are waived for consumers who hold a Marco Polo Club Silver tier membership (upgraded from Green upon earning 300 Club Points) or who spend at least HK$100k a year.

Amex Cathay Pacific Card requires an annual income of HK$150k, which is in line with the market standard and is just half of the income required by the Elite version. Ultimately, although it has lower rates and more limited lounge access that its Elite counterpart, American Express Cathay Pacific Card offers a more accessible opportunity for Cathay Pacific loyalists with more moderate incomes to quickly earn miles and enjoy Marco Polo Club membership.

  • Stand-Out: 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership
Everyday consumers who frequently fly with Cathay Pacific should consider American Express Cathay Pacific Credit Card. Cardholders earn 0.250 miles per HK$1 of Cathay Pacific flight bookings, 0.188 miles per HK$1 foreign currency spend, and 0.125 miles per HK$1 local spend. In-flight purchases also earn 0.400 miles per HK$1 spend, as long as the total net purchase is at least HK$500.


In terms of perks, cardholders enjoy 2 free Plaza Premium lounge visits every year and waived enrolment fees for a Marco Polo Club Green tier membership. Membership in the Marco Polo Club, the rewards program of Cathay Pacific, allows cardholders to earn additional Club Points on flights and enjoy extra perks like priority check-in, seat upgrade options and lounge access. Even better, annual fees are waived for consumers who hold a Marco Polo Club Silver tier membership (upgraded from Green upon earning 300 Club Points) or who spend at least HK$100k a year.

Amex Cathay Pacific Card requires an annual income of HK$150k, which is in line with the market standard and is just half of the income required by the Elite version. Ultimately, although it has lower rates and more limited lounge access that its Elite counterpart, American Express Cathay Pacific Card offers a more accessible opportunity for Cathay Pacific loyalists with more moderate incomes to quickly earn miles and enjoy Marco Polo Club membership.

Dah Sing British Airways Platinum Card: Avios with Flexible Redemption

  • 0.333 Avios/HK$1 on British Airways bookings
  • Promotions: Earn 1 Avios/HK$1 on first HK$10k local spend, 0.200 Avios on next HK$300k (1st 2 mo)
  • Earn 0.333 Avios/HK$1 on first HK$90k overseas spend (1st 3mo)
  • Read Our Full Review
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.333 Avios per HK$1 British Airways spend, 0.250 Avios on overseas, & 0.167 Avios local
  • Note: 1 Avios is worth approximately 1 Asia Mile
  • Redeem Avios with any Oneworld global alliance airline (Cathay Pacific, Finnair & more)
  • 10% British Airways ticket discount
Dah Sing British Airways Platinum Card provides consumers with the opportunity to quickly earn Avios and redeem them with airlines around the world. Cardholders earn 0.333 Avios per HK$1 of British Airways spend, 0.250 Avios per HK$1 overseas spend, and 0.167 Avios per HK$1 local retail. Avios, the frequent flyer currency for British Airways, have about the same value as Asia Miles and can be redeemed for miles, seat upgrades & more. Even better, cardholders can redeem Avios with any Oneworld Global Alliance airline, including Cathay Pacific, British Airways, Qantas Airways, American Airlines and more. This means that consumers can easily redeem Avios for any given trip offered by Oneworld Global Alliance, seizing the best deal regardless of airline.


Consumers also enjoy 10% discounts on round-trip British Airways flights originating from Hong Kong. Additionally, cardholders enjoy Dah Sing Year-Round Offers including 5%+ discounts on Expedia, KKDay and more. Altogether, Dah Sing British Airways Platinum Card is ideal for consumers looking to rapidly earn Avios and would like the flexibility to redeem them whenever–and wherever–the best deals arise.

  • Stand-Out: 0.333 Avios/HK$1 on British Airways bookings
  • Promotions: Earn 1 Avios/HK$1 on first HK$10k local spend, 0.200 Avios on next HK$300k (1st 2 mo)
  • Earn 0.333 Avios/HK$1 on first HK$90k overseas spend (1st 3mo)
  • Read Our Full Review
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.333 Avios per HK$1 British Airways spend, 0.250 Avios on overseas, & 0.167 Avios local
  • Note: 1 Avios is worth approximately 1 Asia Mile
  • Redeem Avios with any Oneworld global alliance airline (Cathay Pacific, Finnair & more)
  • 10% British Airways ticket discount
Dah Sing British Airways Platinum Card provides consumers with the opportunity to quickly earn Avios and redeem them with airlines around the world. Cardholders earn 0.333 Avios per HK$1 of British Airways spend, 0.250 Avios per HK$1 overseas spend, and 0.167 Avios per HK$1 local retail. Avios, the frequent flyer currency for British Airways, have about the same value as Asia Miles and can be redeemed for miles, seat upgrades & more. Even better, cardholders can redeem Avios with any Oneworld Global Alliance airline, including Cathay Pacific, British Airways, Qantas Airways, American Airlines and more. This means that consumers can easily redeem Avios for any given trip offered by Oneworld Global Alliance, seizing the best deal regardless of airline.


Consumers also enjoy 10% discounts on round-trip British Airways flights originating from Hong Kong. Additionally, cardholders enjoy Dah Sing Year-Round Offers including 5%+ discounts on Expedia, KKDay and more. Altogether, Dah Sing British Airways Platinum Card is ideal for consumers looking to rapidly earn Avios and would like the flexibility to redeem them whenever–and wherever–the best deals arise.

Dah Sing ANA World Mastercard: Bonus Miles for ANA Loyalists

  • ANA Premium members earn 5% bonus miles
  • Promotions: Receive 0.33 miles per HK$1 ANA ticket spend in 1st 2mo
  • Receive 0.25 miles per HK$1 overseas spend in 1st 3mo
  • Receive 7k miles w/ HK$7k spend in 1st 2mo
  • Receive HK$100 cashback for online/mobile app application
  • Read Our Full Review
  • Annual fee: HK$1.2k, 1st yr waiver, subsequently w/ HK$50k spend/yr
  • 0.156 ANA Mileage Club miles per HK$1 ANA flight booking spend
  • 0.125 ANA Mileage Club miles per HK$1 other local and overseas spend
  • Note: 1 ANA Mileage Club Mile is worth approximately 1 Asia Mile
  • 5% bonus miles on every transaction for ANA Premium Members
  • Priority check-in on ANA flights
Consumers who mainly fly with All Nippon Airways (ANA) should consider Dah Sing ANA World Mastercard. Cardholders earn 0.156 ANA Mileage Club (AMC) miles per HK$1 spend on ANA flights, and 0.125 AMC miles per HK$1 of other overseas and local spend. ANA Premium Members also earn an additional 5% AMC miles on every purchase. Earned miles are automatically credited to the cardholder’s AMC account and can be redeemed at roughly the same rate as Asia Miles for flights, upgrades and more.


Cardholders also enjoy priority check-in for all their ANA flights, as well as up to 10% discounts on ANA in-flight shopping, duty free shops and co-branded hotels. While the HK$1.2k annual fee is waived for the first year, cardholders who spend just HK$50k a year (HK$4,166 a month on average) enjoy perpetual annual fee waivers. Overall, Dah Sing ANA World Mastercard is perfect for ANA loyalists seeking an easy opportunity to earn AMC miles.

  • Stand-Out: ANA Premium members earn 5% bonus miles
  • Promotions: Receive 0.33 miles per HK$1 ANA ticket spend in 1st 2mo
  • Receive 0.25 miles per HK$1 overseas spend in 1st 3mo
  • Receive 7k miles w/ HK$7k spend in 1st 2mo
  • Receive HK$100 cashback for online/mobile app application
  • Read Our Full Review
  • Annual fee: HK$1.2k, 1st yr waiver, subsequently w/ HK$50k spend/yr
  • 0.156 ANA Mileage Club miles per HK$1 ANA flight booking spend
  • 0.125 ANA Mileage Club miles per HK$1 other local and overseas spend
  • Note: 1 ANA Mileage Club Mile is worth approximately 1 Asia Mile
  • 5% bonus miles on every transaction for ANA Premium Members
  • Priority check-in on ANA flights
Consumers who mainly fly with All Nippon Airways (ANA) should consider Dah Sing ANA World Mastercard. Cardholders earn 0.156 ANA Mileage Club (AMC) miles per HK$1 spend on ANA flights, and 0.125 AMC miles per HK$1 of other overseas and local spend. ANA Premium Members also earn an additional 5% AMC miles on every purchase. Earned miles are automatically credited to the cardholder’s AMC account and can be redeemed at roughly the same rate as Asia Miles for flights, upgrades and more.


Cardholders also enjoy priority check-in for all their ANA flights, as well as up to 10% discounts on ANA in-flight shopping, duty free shops and co-branded hotels. While the HK$1.2k annual fee is waived for the first year, cardholders who spend just HK$50k a year (HK$4,166 a month on average) enjoy perpetual annual fee waivers. Overall, Dah Sing ANA World Mastercard is perfect for ANA loyalists seeking an easy opportunity to earn AMC miles.

AEON Card JAL: JMB Miles for AEON Shoppers

  • Free AEON Membership + JMB Miles for spend
  • Promotions: Earn 2% cashback on 1st HK$25k spend 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$480, 1st yr waiver, waived perpetually w/ HK$30k spend/yr
  • 0.167 JMB miles per HK$1 spend on local dining and in Japan, 0.143 JMB miles with AEON, and 0.125 JMB miles on overseas and local spend
  • Note: 1 JMB Mile is worth approximately 1 Asia Mile
  • Foreign currency transaction fees waived
  • AEON Member Price
  • 1 Free lounge visit w/ HK$150k annual spend
AEON Card JAL is perfect for consumers who frequently shop at AEON and fly primarily with Japan Airlines. Cardholders earn 0.167 JMB miles per HK$1 spend on local dining and in Japan, 0.143 JMB miles on spend at any AEON store (including at AEON Stores online), and 0.125 JMB miles on other overseas and local spend. JMB (Japan Mileage Bank) miles can be redeemed at roughly the same value as Asia Miles for Japan Airlines tickets, seat upgrades or coupons to popular local merchants.


In addition to enjoying heightened miles rates at AEON stores, cardholders can also take advantage of the AEON Member Price, a seasonal discount on supermarket, fashion, home and electrical appliances that changes every month, as well as 5% discounts store-wide on “Thanksgiving Days” (2nd and 20th of every month). Consumers who spend at least HK$150k a year can enjoy one free lounge visit, making the occasional trip even more enjoyable. Even better, AEON Card JAL waives all foreign transaction fees, allowing cardholders to spend in Japan (or anywhere else) without paying expensive markups.

The annual fee of HK$380 is waived for the first year, and then perpetually for consumers who spend at least HK$30k a year, which is an achievable HK$2.5k a month. Altogether, AEON Card JAL is ideal for AEON shoppers who enjoy traveling on Japan Airlines.

  • Stand-Out: Free AEON Membership + JMB Miles for spend
  • Promotions: Earn 2% cashback on 1st HK$25k spend 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$480, 1st yr waiver, waived perpetually w/ HK$30k spend/yr
  • 0.167 JMB miles per HK$1 spend on local dining and in Japan, 0.143 JMB miles with AEON, and 0.125 JMB miles on overseas and local spend
  • Note: 1 JMB Mile is worth approximately 1 Asia Mile
  • Foreign currency transaction fees waived
  • AEON Member Price
  • 1 Free lounge visit w/ HK$150k annual spend
AEON Card JAL is perfect for consumers who frequently shop at AEON and fly primarily with Japan Airlines. Cardholders earn 0.167 JMB miles per HK$1 spend on local dining and in Japan, 0.143 JMB miles on spend at any AEON store (including at AEON Stores online), and 0.125 JMB miles on other overseas and local spend. JMB (Japan Mileage Bank) miles can be redeemed at roughly the same value as Asia Miles for Japan Airlines tickets, seat upgrades or coupons to popular local merchants.


In addition to enjoying heightened miles rates at AEON stores, cardholders can also take advantage of the AEON Member Price, a seasonal discount on supermarket, fashion, home and electrical appliances that changes every month, as well as 5% discounts store-wide on “Thanksgiving Days” (2nd and 20th of every month). Consumers who spend at least HK$150k a year can enjoy one free lounge visit, making the occasional trip even more enjoyable. Even better, AEON Card JAL waives all foreign transaction fees, allowing cardholders to spend in Japan (or anywhere else) without paying expensive markups.

The annual fee of HK$380 is waived for the first year, and then perpetually for consumers who spend at least HK$30k a year, which is an achievable HK$2.5k a month. Altogether, AEON Card JAL is ideal for AEON shoppers who enjoy traveling on Japan Airlines.

Dah Sing United MileagePlus World Mastercard: Discounts on Miles Top-Ups

  • Anytime miles redemption w/ 15% discount on miles top-ups
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 2mo
  • 50% off JourneySure Annual Travel Insurance Plan
  • Receive extra 5% cashback and up to 0.4375 miles per HK$1 spend on JourneySure Single Trip Travel Insurance
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.200 MileagePlus miles per HK$1 United Airlines & overseas spend
  • 0.167 MileagePlus miles w/ designated tour agents & 0.125 miles local
  • Note: 1 MileagePlus mile is worth approximately 0.6 Asia Miles
  • 1 free United Club lounge visit w/ HK$40k spend in previous calendar quarter
  • 15% off the full retail price when purchasing United Mileage Plus miles
Dah Sing United MileagePlus World Mastercard is perfect for consumers who may occasionally find themselves short on miles when they're planning on booking a trip. In terms of rewards, cardholders earn 0.200 MileagePlus miles per HK$1 of United Airlines and overseas spend, and 0.167 MileagePlus miles per HK$1 spend with designated tour agents like China Travel Service and Morningstar. Spend on general retail earns 0.125 MileagePlus miles per HK$1, which is above the market base rate. MileagePlus miles are automatically credited to the cardholder's United MileagePlus account with no transfer fees and never expire. It's important to note, however, that MileagePlus Miles are only worth about 0.6 Asia Miles each.


Dah Sing United MileagePlus's real value may come from the discounts it offers consumers making on-the-spot miles purchases. Cardholders receive a 15% discount when topping up on United MileagePlus miles. As United requires that award tickets be fully purchased in miles, this perk is especially helpful when consumers find themselves initially short of what's needed for their booking. Finally, cardholders can enjoy a free United Club lounge visit with HK$40k spend in the previous calendar quarter, for up to 4 visits per year. Altogether, Dah Sing United MileagePlus World Mastercard is great for United Airlines loyalists looking for discounts when topping up their miles.

  • Stand-Out: Anytime miles redemption w/ 15% discount on miles top-ups
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 2mo
  • 50% off JourneySure Annual Travel Insurance Plan
  • Receive extra 5% cashback and up to 0.4375 miles per HK$1 spend on JourneySure Single Trip Travel Insurance
  • Annual fee: HK$1.8k, 2-yr waiver
  • 0.200 MileagePlus miles per HK$1 United Airlines & overseas spend
  • 0.167 MileagePlus miles w/ designated tour agents & 0.125 miles local
  • Note: 1 MileagePlus mile is worth approximately 0.6 Asia Miles
  • 1 free United Club lounge visit w/ HK$40k spend in previous calendar quarter
  • 15% off the full retail price when purchasing United Mileage Plus miles
Dah Sing United MileagePlus World Mastercard is perfect for consumers who may occasionally find themselves short on miles when they're planning on booking a trip. In terms of rewards, cardholders earn 0.200 MileagePlus miles per HK$1 of United Airlines and overseas spend, and 0.167 MileagePlus miles per HK$1 spend with designated tour agents like China Travel Service and Morningstar. Spend on general retail earns 0.125 MileagePlus miles per HK$1, which is above the market base rate. MileagePlus miles are automatically credited to the cardholder's United MileagePlus account with no transfer fees and never expire. It's important to note, however, that MileagePlus Miles are only worth about 0.6 Asia Miles each.


Dah Sing United MileagePlus's real value may come from the discounts it offers consumers making on-the-spot miles purchases. Cardholders receive a 15% discount when topping up on United MileagePlus miles. As United requires that award tickets be fully purchased in miles, this perk is especially helpful when consumers find themselves initially short of what's needed for their booking. Finally, cardholders can enjoy a free United Club lounge visit with HK$40k spend in the previous calendar quarter, for up to 4 visits per year. Altogether, Dah Sing United MileagePlus World Mastercard is great for United Airlines loyalists looking for discounts when topping up their miles.

Jacob Weiss

Jacob is a Junior Research Analyst at ValueChampion, focusing on credit cards and other consumer financial products. Previously, he covered hedge funds and long only products for Cambridge Associates. He holds a B.S. in Finance from the University of Maryland and has passed Level 1 of the CFA exam.