Best Dah Sing Credit Cards in Hong Kong 2020

Dah Sing offers some of the most competitive air miles credit cards on the market, including generous promotional offers and relatively low minimum income requirements. We’ve reviewed every Dah Sing credit card in Hong Kong and categorized them to best fit your budget and lifestyle.

Best Dah Sing Credit Card for Air Miles
Best Cashback Dah Sing Credit Cards

Compare Best Dah Sing Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best Dah Sing 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 Dah Sing credit cards compare to one another in terms of their rewards
Best Dah Sing Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Dah Sing Credit Card for Air Miles Best Cashback Dah Sing Credit Cards

Compare Best Dah Sing Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best Dah Sing 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 Dah Sing credit cards compare to one another in terms of their rewards
Best Dah Sing Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best Dah Sing Credit Cards for Air Miles

Dah Sing air miles credit cards offer very competitive miles rewards to consumers as well as steep discounts on plane tickets. While these cards do not offer as many luxury perks as other air miles cards, brand loyalists can enjoy excellent rewards for shopping with their favourite airline.

Dah Sing British Airways Platinum Card: Rapid Miles for Local and Overseas Spend

  • 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
Dah Sing British Airways Platinum Card is a great choice for British Airways loyalists looking for top miles rewards on their spending. Cardholders earn 0.167 Avios per HK$1 spend, boosted to 0.250 for overseas purchases and an exceptional 0.333 for bookings with British Airways.


Avios, the currency of British Airways’ frequent flyer programme, are practically equal in value to Asia Miles and can be redeemed for flights, seat upgrades and other benefits with any Oneworld Global Alliance Partner. These include Cathay Pacific, American Airlines, Iberia, Qatar Airways and more.

For their flights on British Airways, cardholders can enjoy 10% discounts on flight tickets and up to 12% off hotel bookings through popular travel sites as part of Dah Sing Bank’s Year-round Offer. Dah Sing British Airways Platinum Card is an excellent choice for earning top miles rewards across your spending, with added benefits for frequent British Airways travellers.

  • HK$150k min. annual salary
  • 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
  • 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
Dah Sing British Airways Platinum Card is a great choice for British Airways loyalists looking for top miles rewards on their spending. Cardholders earn 0.167 Avios per HK$1 spend, boosted to 0.250 for overseas purchases and an exceptional 0.333 for bookings with British Airways.


Avios, the currency of British Airways’ frequent flyer programme, are practically equal in value to Asia Miles and can be redeemed for flights, seat upgrades and more with any Oneworld Global Alliance Partner including Cathay Pacific, American Airlines, Iberia, Qatar Airways and more.

For their flights on British Airways, cardholders can enjoy 10% discounts on flight tickets and up to 12% off hotel bookings through popular travel sites as part of Dah Sing Bank’s Year-round Offer. Dah Sing British Airways Platinum Card is an excellent choice for earning top miles rewards across your spending, with added benefits for frequent British Airways travellers.

  • HK$150k min. annual salary
  • 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 ANA World Mastercard: Boosted Miles for ANA Premium Members

  • 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
If you frequently fly with All Nippon Airways (ANA) and are looking for discounts on your travel costs, you should consider Dah Sing ANA World Mastercard. Cardholders earn AMC miles, worth approximately the same as Asia Miles, at a rate of 0.156 per HK$1 spend on flight bookings with ANA and 0.125 on regular spend.


AMC miles are transferred directly to the cardholder’s ANA Mileage Club account without a handling fee, which makes this card stand out amongst competitors. Other benefits include up to 10% discounts on transactions in duty free shops, at select hotels, and for ANA in-flight shopping

Dah Sing ANA World Mastercard has an HK$150,000 minimum income requirement, which makes it accessible for most Hong Kong consumers, and the annual fee can be waived with HK$50,000 spend per year, which averages out to just HK$4,167 a month. Altogether, frequent ANA flyers can rapidly accrue miles by choosing this card.

  • HK$150k min. annual salary
  • 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
  • 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
If you frequently fly with All Nippon Airways (ANA) and are looking for discounts on your travel costs, you should consider Dah Sing ANA World Mastercard. Cardholders earn AMC miles, worth approximately the same as Asia Miles, at a rate of 0.156 per HK$1 spend on flight bookings with ANA and 0.125 on regular spend.


AMC miles are transferred directly to the cardholder’s ANA Mileage Club account without a handling fee, which makes this card stand out amongst competitors. Other benefits include up to 10% discounts on transactions in duty free shops, at select hotels, and for ANA in-flight shopping

Dah Sing ANA World Mastercard has an HK$150,000 minimum income requirement, which makes it accessible for most Hong Kong consumers, and the annual fee can be waived with HK$50,000 spend per year, which averages out to just HK$4,167 a month. Altogether, frequent ANA flyers can rapidly accrue miles by choosing this card.

  • HK$150k min. annual salary
  • 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

Dah Sing United MileagePlus World Mastercard: Discounts on Purchasing Additional Miles

  • 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
Dah Sing United MileagePlus World Mastercard offers highly competitive miles rates for United Airlines loyalists. Cardholders earn 0.200 MileagePlus miles per HK$1 spend with United Airlines and overseas, 0.167 with designated tour agents, and 0.125 miles on local retail transactions.


Consumers should note that each MileagePlus mile is only worth about 0.6 Asia Miles. Rewards flights must be earned entirely with redeemed miles, but cardholders can also purchase MileagePlus miles for a 15% discount with cash to make up the difference.

In terms of travel perks, consumers can enjoy 1 free United Club lounge visit with at least HK$40k spend in the previous calendar quarter. Although this one time visit is outshined by the generous travel perks of a card like Citi PremierMiles Card, Dah Sing United MileagePlus World Mastercard remains an accessible choice for United Airlines loyalists.

  • HK$150k min. annual salary
  • 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
  • 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
Dah Sing United MileagePlus World Mastercard offers highly competitive miles rates for United Airlines loyalists. Cardholders earn 0.200 MileagePlus miles per HK$1 spend with United Airlines and overseas, 0.167 with designated tour agents, and 0.125 miles on local retail transactions.


Consumers should note that each MileagePlus mile is only worth about 0.6 Asia Miles. Rewards flights must be earned entirely with redeemed miles, but cardholders can also purchase MileagePlus miles for a 15% discount with cash to make up the difference.

In terms of travel perks, consumers can enjoy 1 free United Club lounge visit with at least HK$40k spend in the previous calendar quarter. Although this one time visit is outshined by the generous travel perks of a card like Citi PremierMiles Card, Dah Sing United MileagePlus World Mastercard remains an accessible choice for United Airlines loyalists.

  • HK$150k min. annual salary
  • 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

Best Cashback Dah Sing Credit Cards

Consumers can earn respectable cashback across all of their spend with these Dah Sing Credit Cards. While other cashback credit cards offer higher rewards in specific spending categories, these cards offer unique benefits to cardholders such as travel perks and retail discounts.

Dah Sing ONE+ Titanium Credit Card: High Flat Cashback on Local and Overseas Spend

  • 1% rebate on local and overseas retail spend
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive HK$300 cashback with HK$3k spending through Apple Pay in 1st 2mo, OR:
  • Receive KB Air Mask Portable Air Purifier w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
Dah Sing ONE+ Titanium Credit Card offers 1% cashback across all local and overseas spending, making it a great choice for consumers who want respectable rewards without worrying about caps or limiting spending to certain categories or merchants.


This card also offers several convenient retail discounts. Deals include a discounted AIRSIM prepaid card, 20% off beauty products at lookfantastic, and a 12% discount on International and China shipping services with DimBuy.

Dah Sing ONE+ Titanium credit card’s 1% cashback rate is well above the 0.4% market average, and its HK$60,000 minimum income requirement makes it one of the most accessible cards on the market. However, higher income earners can earn higher flat rates with credit cards like HSBC Red Credit Card.

  • HK$60k min. annual salary
  • Annual fee: HK$600, 2-yr waiver
  • 1% cashback on local and overseas retail spend
  • 0.5% rebate on Octopus AAVS reloads
  • Stand-Out: 1% rebate on local and overseas retail spend
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive HK$300 cashback with HK$3k spending through Apple Pay in 1st 2mo, OR:
  • Receive KB Air Mask Portable Air Purifier w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
Dah Sing ONE+ Titanium Credit Card offers 1% cashback across all local and overseas spending, making it a great choice for consumers who want respectable rewards without worrying about caps or limiting spending to certain categories or merchants.


This card also offers several convenient retail discounts. Deals include a discounted AIRSIM prepaid card, 20% off beauty products at lookfantastic, and a 12% discount on International and China shipping services with DimBuy.

Dah Sing ONE+ Titanium credit card’s 1% cashback rate is well above the 0.4% market average, and its HK$60,000 minimum income requirement makes it one of the most accessible cards on the market. However, higher income earners can earn higher flat rates with credit cards like HSBC Red Credit Card.

  • HK$60k min. annual salary
  • Annual fee: HK$600, 2-yr waiver
  • 1% cashback on local and overseas retail spend
  • 0.5% rebate on Octopus AAVS reloads

Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card: Great benefits for cross-border commuters

  • Easy waivers for Autotoll & Unitoll service fees
  • Promotions: 1st 12 mo Autotoll Admin Fee & Unitoll Service Fee Rebate (HK$600 Value)
  • Free Unitoll On Board Unit (HK$450 value)
  • HK$50 Shopping Coupon w/ online application
Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card is a great choice for commuters who frequently drive to and from mainland China. Cardholders earn a 0.4% rebate on retail spend as well as on Autotoll Automatic Top-Up and Octopus AAVS reloads. What’s more, this card also has Unitoll functionality which enables consumers to pay tolls automatically simply by driving through the designated lane.


Dah Sing Autotoll Card also offers a monthly HK$35 rebate on Autotoll administration fees (with HK$3,500 spend per month) and a HK$15 rebate on Unitoll Service Fees (with RMB3,500 spend in China per month). These rebates, which add up to potentially HK$600 per year, are especially beneficial for cross-border drivers.

Lastly, cardholders also enjoy UnionPay perks like waived foreign currency transaction fees, separate billing for HKD and RMB spend, and travel perks. While the 0.4% cashback rate is relatively modest, Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card’s convenient perks are great if you are a frequent commuter looking for rebates on travel costs.

  • HK$150k min. annual salary
  • Annual Fee: HK$1.8k, 3-yr waiver
  • 0.40% cashback on transactions of HK$250 or above
  • HK$35 monthly Autotoll admin fee rebate w/ HK$3.5k spend/mo in HK & abroad (ex. China)
  • HK$15 monthly Unitoll Service fee rebate w/ RMB3.5k monthly spend in China
  • Unitoll functionality & discounted limo service & up to 3 lounge visits/yr
  • HKD and RMB spend separately billed & foreign currency transaction fees waived
  • Stand-Out: Easy waivers for Autotoll & Unitoll service fees
  • Promotions: 1st 12 mo Autotoll Admin Fee & Unitoll Service Fee Rebate (HK$600 Value)
  • Free Unitoll On Board Unit (HK$450 value)
  • HK$50 Shopping Coupon w/ online application
Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card is a great choice for commuters who frequently drive to and from mainland China. Cardholders earn a 0.4% rebate on retail spend as well as on Autotoll Automatic Top-Up and Octopus AAVS reloads. What’s more, this card also has Unitoll functionality which enables consumers to pay tolls automatically simply by driving through the designated lane.


Dah Sing Autotoll Card also offers a monthly HK$35 rebate on Autotoll administration fees (with HK$3,500 spend per month) and a HK$15 rebate on Unitoll Service Fees (with RMB3,500 spend in China per month). These rebates, which add up to potentially HK$600 per year, are especially beneficial for cross-border drivers.

Lastly, cardholders also enjoy UnionPay perks like waived foreign currency transaction fees, separate billing for HKD and RMB spend, and travel perks. While the 0.4% cashback rate is relatively modest, Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card’s convenient perks are great if you are a frequent commuter looking for rebates on travel costs.

  • HK$150k min. annual salary
  • Annual Fee: HK$1.8k, 3-yr waiver
  • 0.40% cashback on transactions of HK$250 or above
  • HK$35 monthly Autotoll admin fee rebate w/ HK$3.5k spend/mo in HK & abroad (ex. China)
  • HK$15 monthly Unitoll Service fee rebate w/ RMB3.5k monthly spend in China
  • Unitoll functionality & discounted limo service & up to 3 lounge visits/yr
  • HKD and RMB spend separately billed & foreign currency transaction fees waived
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.