Best CCB (Asia) Credit Cards in Hong Kong 2020

China Construction Bank (CCB) offers consumers several credit cards with highly competitive air miles rates and convenient travel perks. We’ve analysed every CCB (Asia) card in Hong Kong to determine the best choice for you based on your lifestyle and spending habits.

Best CCB (Asia) Air Miles Credit Cards
Best CCB (Asia) UnionPay Credit Cards

Compare Best CCB (Asia) Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

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

Compare Best CCB (Asia) Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best CCB (Asia) credit cards compare to one another in terms of their rewards
Best CCB (Asia) Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best CCB (Asia) Air Miles Credit Cards

CCB miles credit cards are optimized for consumers who tend to make most of their purchases in specific categories, like overseas or dining transactions. While they do not offer the highest flat miles rates, cardholders can enjoy high miles rewards on certain categories of spend with these CCB cards.

CCB eye Platinum Credit Card: Rapid Miles on Contactless 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
CCB eye Platinum Credit Card allows consumers who often use mobile pay and make purchases online to rapidly earn miles. Cardholders earn 0.333 miles per HK$1 spent online and through Visa Contactless Payments, boosted to 0.469 miles for the same kinds of transactions overseas. By making selective payments with this card, you can achieve some of the highest miles rates on the market.


While non-mobile overseas purchases still earn 0.201 miles per HK$1 spend, local transactions made without mobile pay results in just 0.067 miles, so cardholders should only make purchases through Visa Contactless Payments or online for the best rates.

If you are not comfortable with mobile pay and don’t spend a significant portion of your budget abroad, you may want to consider a credit card with more rounded rewards like BEA Flyer World Mastercard. However, CCB eye Platinum Credit Card’s lack of an annual fee and its highly competitive miles rates for mobile and overseas spend make it a great choice for optimizing rewards on a specialized budget.

  • HK$150k min. annual salary
  • 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
  • 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
CCB eye Platinum Credit Card allows consumers who often use mobile pay and make purchases online to rapidly earn miles. Cardholders earn 0.333 miles per HK$1 spent online and through Visa Contactless Payments, boosted to 0.469 miles for the same kinds of transactions overseas. By making selective payments with this card, you can achieve some of the highest miles rates on the market.


While non-mobile overseas purchases still earn 0.201 miles per HK$1 spend, local transactions made without mobile pay results in just 0.067 miles, so cardholders should only make purchases through Visa Contactless Payments or online for the best rates.

If you are not comfortable with mobile pay and don’t spend a significant portion of your budget abroad, you may want to consider a credit card with more rounded rewards like BEA Flyer World Mastercard. However, CCB eye Platinum Credit Card’s lack of an annual fee and its highly competitive miles rates for mobile and overseas spend make it a great choice for optimizing rewards on a specialized budget.

  • HK$150k min. annual salary
  • 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 (Asia) Hong Kong Airlines Fly Away Credit Card: No-Fee FWC Points

  • 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
Hong Kong Airlines (HKA) loyalists can rapidly accrue air miles points with CCB (Asia) Hong Kong Airlines Fly Away Credit Card. Cardholders earn 0.167 FWC points per HK$1 local spend, boosted to 0.250 for Hong Kong Airport (HKA) bookings, inflight retail purchases and overseas spend.


FWC points, the currency of Hainan Airlines’ Fortune Wings Club, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades and more with any Hainan Airlines subsidiary (HKA, Grand China Air, Lucky Air and more).

Other benefits of this CCB credit card include priority check-in and boarding before flights out of Hong Kong International Airport (HKIA) or HKA flights, 5 free lounge visits per year and no annual fee. If you are a frequent HKA flyer, you should definitely consider CCB (Asia) Hong Kong Airlines Fly Away Credit Card.

  • HK$150k min. annual salary
  • 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
  • Stand-Out: 0.250 FWC points/HK$1 overseas & HKA spend, no annual fee
  • Promotions: 50% off flight redemption w/ FWC points at HKA
Hong Kong Airlines (HKA) loyalists can rapidly accrue air miles points with CCB (Asia) Hong Kong Airlines Fly Away Credit Card. Cardholders earn 0.167 FWC points per HK$1 local spend, boosted to 0.250 for Hong Kong Airport (HKA) bookings, inflight retail purchases and overseas spend.


FWC points, the currency of Hainan Airlines’ Fortune Wings Club, are roughly equal in value to Asia Miles and can be redeemed for flights, seat upgrades and more with any Hainan Airlines subsidiary (HKA, Grand China Air, Lucky Air and more).

Other benefits of this CCB credit card include priority check-in and boarding before flights out of Hong Kong International Airport (HKIA) or HKA flights, 5 free lounge visits per year and no annual fee. If you are a frequent HKA flyer, you should definitely consider CCB (Asia) Hong Kong Airlines Fly Away Credit Card.

  • HK$150k min. annual salary
  • 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 (Asia) Visa Platinum Credit Card: Free Annual Insurance Plans

  • No fee + free general practice, dental & check-up insurance
  • Promotions: 0% Interest Instalment Plans for department store, education, telecom, medical spend & more
Frequent travellers looking for free insurance plans can earn substantial miles rewards with CCB (Asia) Visa Platinum Credit Card. While the 0.067 miles earned per HK$1 general spend is only the market average, overseas and travel booking transactions earn an impressive 0.201 miles.


With HK$12,000 spend per year, achievable for most consumers at only HK$1,000 per month, this card grants you access to three annual insurance plans underwritten by AIA at no premium cost. Cardholders can enjoy dental examinations, extractions and cleanings with the Annual Dental Insurance Plan, 3 general practice visits with Annual General Practice Outpatient Insurance, and a number of examinations with the medical check-up plan.

Consumers looking for more balanced rewards for local spending should consider a competitor card like the Standard Chartered Asia Miles Mastercard, which has a higher flat miles rate. However, if you spend a large portion of your budget overseas and are looking for significant savings on insurance costs, CCB (Asia) Visa Platinum Credit Card may be a great choice for you.

  • HK$150k min. annual salary
  • Annual fee: Free
  • 0.201 miles per HK$1 overseas & travel booking spend
  • 0.067 miles per HK$1 local general spend
  • Free dental, general outpatient, and medical check-up insurance w/ HK$12k spend/yr
  • Advance Mileage Redemption Plan and 0% Travel Instalment plan
  • Stand-Out: No fee + free general practice, dental & check-up insurance
  • Promotions: 0% Interest Instalment Plans for department store, education, telecom, medical spend & more
  • Read Our Full Review
Frequent travellers looking for free insurance plans can earn substantial miles rewards with CCB (Asia) Visa Platinum Credit Card. While the 0.067 miles earned per HK$1 general spend is only the market average, overseas and travel booking transactions earn an impressive 0.201 miles.


With HK$12,000 spend per year, achievable for most consumers at only HK$1,000 per month, this card grants you access to three annual insurance plans underwritten by AIA at no premium cost. Cardholders can enjoy dental examinations, extractions and cleanings with the Annual Dental Insurance Plan, 3 general practice visits with Annual General Practice Outpatient Insurance, and a number of examinations with the medical check-up plan.

Consumers looking for more balanced rewards for local spending should consider a competitor card like the Standard Chartered Asia Miles Mastercard, which has a higher flat miles rate. However, if you spend a large portion of your budget overseas and are looking for significant savings on insurance costs, CCB (Asia) Visa Platinum Credit Card may be a great choice for you.

  • HK$150k min. annual salary
  • Annual fee: Free
  • 0.201 miles per HK$1 overseas & travel booking spend
  • 0.067 miles per HK$1 local general spend
  • Free dental, general outpatient, and medical check-up insurance w/ HK$12k spend/yr
  • Advance Mileage Redemption Plan and 0% Travel Instalment plan

CCB (Asia) tiramisu Platinum Credit Card: Rapid Miles and Dining Discounts for Foodies

  • 0.2 miles/HK$1 local dining spend w/ waived annual fee
  • Promotions: Free year-round upgrades on Pacific Coffee handcrafted beverage orders
Consumers looking for highly competitive miles rewards on their dining spend should definitely consider CCB (Asia) tiramisu Platinum Credit Card. Cardholders earn 0.200 miles per HK$1 dining spend as well as on overseas transactions.


Other benefits of this card include no annual fee and CCB Year-Round Dining Privileges, which offer up to 20% discounts at popular restaurants in Hong Kong. Other air miles cards offer higher flat miles rates for general and overseas spend, but consumers who spend significantly on dining should definitely consider CCB (Asia) tiramisu Platinum Credit Card.

  • HK$150k min. annual salary
  • Annual fee: Free
  • 0.200 miles per HK$1 dining spend
  • 0.200 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local general spend
  • CCB Year-Round Dining Privileges
  • Stand-Out: 0.2 miles/HK$1 local dining spend w/ waived annual fee
  • Promotions: Free year-round upgrades on Pacific Coffee handcrafted beverage orders
  • Read Our Full Review
Consumers looking for highly competitive miles rewards on their dining spend should definitely consider CCB (Asia) tiramisu Platinum Credit Card. Cardholders earn 0.200 miles per HK$1 dining spend as well as on overseas transactions.


Other benefits of this card include no annual fee and CCB Year-Round Dining Privileges, which offer up to 20% discounts at popular restaurants in Hong Kong. Other air miles cards offer higher flat miles rates for general and overseas spend, but consumers who spend significantly on dining should definitely consider CCB (Asia) tiramisu Platinum Credit Card.

  • HK$150k min. annual salary
  • Annual fee: Free
  • 0.200 miles per HK$1 dining spend
  • 0.200 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local general spend
  • CCB Year-Round Dining Privileges

Best CCB (Asia) UnionPay Credit Cards

Like other CCB credit cards, these UnionPay cards have a very achievable HK$150,000 minimum income requirement and no annual fee, making them a no-hassle choice for balanced rewards. Consumers don’t need to restrict transactions to certain categories or meet spending requirements to get competitive rewards. What’s more, waived foreign currency transaction fees and separate billing for HKD and RMB spend make them excellent for travel in mainland China.

CCB (Asia) Octopus UnionPay Dual Currency Credit Card: Regional Travel and Commuting Convenience

  • Dual Octopus functionality, waived annual fee
  • Promotions: HK$300 Shell Fuel voucher w/ HK$4k spend & 1 fuel spend in 1st 3mo, OR:
  • HK$250 Octopus Cash Rebate w/ HK$4k spend & 1 Octopus Auto Reload in 1st 3mo
  • HK$100 supermarket coupon for online application
  • Read Our Full Review
CCB (Asia) Octopus UnionPay Dual Currency Credit Card offers consumers 0.4% cashback across all of their spending plus convenient perks. This credit card also doubles as an Octopus card, making it a convenient choice for local commuters.


Consumers who frequently travel to mainland China can enjoy discounted cross-border bus trips with All China Express, emergency travel insurance, and waived foreign currency transaction fees and separate billing for their HKD and RMB spend.

If you are looking for modest cashback on all of your spending and highly competitive regional travel perks, CCB (Asia) Octopus UnionPay Dual Currency Credit Card may be a good choice for you.

  • HK$150k min. annual salary
  • Annual Fee: Free
  • 0.4% cashback on all spend
  • All-in-one card w/ Octopus functionality
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Stand-Out: Dual Octopus functionality, waived annual fee
  • Promotions: HK$300 Shell Fuel voucher w/ HK$4k spend & 1 fuel spend in 1st 3mo, OR:
  • HK$250 Octopus Cash Rebate w/ HK$4k spend & 1 Octopus Auto Reload in 1st 3mo
  • HK$100 supermarket coupon for online application
  • Read Our Full Review
CCB (Asia) Octopus UnionPay Dual Currency Credit Card offers consumers 0.4% cashback across all of their spending plus convenient perks. This credit card also doubles as an Octopus card, making it a convenient choice for local commuters.


Consumers who frequently travel to mainland China can enjoy discounted cross-border bus trips with All China Express, emergency travel insurance, and waived foreign currency transaction fees and separate billing for their HKD and RMB spend.

If you are looking for modest cashback on all of your spending and highly competitive regional travel perks, CCB (Asia) Octopus UnionPay Dual Currency Credit Card may be a good choice for you.

  • HK$150k min. annual salary
  • Annual Fee: Free
  • 0.4% cashback on all spend
  • All-in-one card w/ Octopus functionality
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived

CCB (Asia) AIA UnionPay Diamond Credit Card: Luxury Travel Perks for AIA Policyholders

  • AIA Insurance Instalments & 3 free lounge visits/yr
  • Promotions: Buy 1 Get 1 Free movie tickets at UA Cinemas
  • Receive HK$400 cashback w/ HK$5k min. spend in 1st 3mo
AIA policyholders can enjoy modest miles rewards and great travel perks with CCB (Asia) AIA UnionPay Diamond Credit Card. Cardholders earn 0.067 miles per HK$1 spend on all transactions, including online bill pay, which is a rare feature for Hong Kong Credit Cards.


Another feature of this card is a 6, 9, 12, or 18-month installment plan when subscribing to a new or renewal insurance policy, allowing consumers to spread out the initial cost of their insurance protection.

Travel perks for CCB (Asia) AIA UnionPay Diamond Credit Card include discounted limo transfer services, 3 lounge visits with HK$12,000 spend in 2 consecutive months, and waived foreign currency exchange fees and separate billing for HKD and RMB transactions. While these benefits are very generous, there are many competing miles cards at other banks that offer better rates than the 0.067 miles per HK$1 spend you get with this card.

  • HK$150k min. annual salary
  • Annual Fee: Free
  • 0.067 miles per HK$1 spend on local retail, overseas and online
  • Discounted limousine service & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • AIA Insurance Premium Installment Plan
  • Stand-Out: AIA Insurance Instalments & 3 free lounge visits/yr
  • Promotions: Buy 1 Get 1 Free movie tickets at UA Cinemas
  • Receive HK$400 cashback w/ HK$5k min. spend in 1st 3mo
AIA policyholders can enjoy modest miles rewards and great travel perks with CCB (Asia) AIA UnionPay Diamond Credit Card. Cardholders earn 0.067 miles per HK$1 spend on all transactions, including online bill pay, which is a rare feature for Hong Kong Credit Cards.


Another feature of this card is a 6, 9, 12, or 18-month installment plan when subscribing to a new or renewal insurance policy, allowing consumers to spread out the initial cost of their insurance protection.

Travel perks for CCB (Asia) AIA UnionPay Diamond Credit Card include discounted limo transfer services, 3 lounge visits with HK$12,000 spend in 2 consecutive months, and waived foreign currency exchange fees and separate billing for HKD and RMB transactions. While these benefits are very generous, there are many competing miles cards at other banks that offer better rates than the 0.067 miles per HK$1 spend you get with this card.

  • HK$150k min. annual salary
  • Annual Fee: Free
  • 0.067 miles per HK$1 spend on local retail, overseas and online
  • Discounted limousine service & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • AIA Insurance Premium Installment Plan
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion, specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross.