Best Credit Cards for Octopus Automatic Add Value Service (AAVS) in Hong Kong 2020

After analysing over 300 credit cards in Hong Kong, we've identified those with the absolute best rewards rates for Octopus AAVS reloads, plus special perks like transport discounts and dual functionality.

Best Cashback Cards for Octopus AAVS
Best Miles Cards for Octopus AAVS
Best Cards for Octopus & Transport Perks
Best High Income Cashback Cards for Octopus
Best High Income Miles Cards for Octopus

Compare Best Credit Cards for Octopus AAVS by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best credit cards for Octopus Transport 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  credit cards for Octopus Transport compare to one another in terms of their rewards
Best Credit Cards for Octopus Transport in Hong Kong by Estimated 2-Year Dollar Value
Best Cashback Cards for Octopus AAVS Best Miles Cards for Octopus AAVS Best Cards for Octopus & Transport Perks Best High Income Cashback Cards for Octopus Best High Income Miles Cards for Octopus

Compare Best Credit Cards for Octopus AAVS by Dollar Value

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

Best Cashback Credit Cards For Octopus AAVS

These cards offer direct cashback for your Octopus AAVS top-ups.

Citi Cash Back Card: Dining, Hotel & Overseas Boost

  • 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k
Consumers seeking everyday cashback with a boost for dining and hotel spend should consider Citi Cash Back Card. Cardholders earn an uncapped 2% cashback on all dining, hotel and overseas spend, as well as 1% cashback on all other transactions. Cardholders also earn 1% cashback on payment of reloads with Octopus Automatic Add Value Service (AAVS) for themselves and 3 family members. Many credit cards offer just 0.4% on reloads.


Citi Cash Back Card also offers great purchase security, with automatic protection against any damages, loss or theft for up to US$7,600. In terms of perks, consumers enjoy Citi World Privileges, which offer a variety of benefits. This may be why the card's relatively high HK$1.8k annual fee is waived for just the 1st year, while many competitors offer longer or even perpetual waivers. Nonetheless, Citi Cash Back Card stands out by allowing cardholders to maximise rewards on both dining & travel along with access to attractive perks worldwide.

  • Stand-Out: 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k
Consumers seeking everyday cashback with a boost for dining and hotel spend should consider Citi Cash Back Card. Cardholders earn an uncapped 2% cashback on all dining, hotel and overseas spend, as well as 1% cashback on all other transactions. Cardholders also earn 1% cashback on payment of reloads with Octopus Automatic Add Value Service (AAVS) for themselves and 3 family members. Many credit cards offer just 0.4% on reloads.


Citi Cash Back Card also offers great purchase security, with automatic protection against any damages, loss or theft for up to US$7,600. In terms of perks, consumers enjoy Citi World Privileges, which offer a variety of benefits. This may be why the card's relatively high HK$1.8k annual fee is waived for just the 1st year, while many competitors offer longer or even perpetual waivers. Nonetheless, Citi Cash Back Card stands out by allowing cardholders to maximise rewards on both dining & travel along with access to attractive perks worldwide.

EarnMORE UnionPay Diamond Card: Top Flat Rebates and Accessible Luxury

  • Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Panasonic Air Freshener w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive OTO Neck Loose Massager w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas & online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 free lounge visits/yr
EarnMORE UnionPay Diamond Card provides consumers with an opportunity to earn one of the highest flat cashback rates available while also enjoying luxury perks. Cardholders earn 2% cashback on their overseas, local and online spend–including their Octopus AAVS reloads. This means that consumers automatically earn impressive cashback whenever their Octopus Card–a central part of life for many–is topped up. Although cashback rewards are capped at HK$2 per year, EarnMORE UP Diamond Card still offers market-leading flat rebates.


On top of convenient cashback, consumers can also enjoy convenient travel perks like waived foreign currency transaction fees, up to 3 free lounge visits per year, and discounted limo transfers. Consumers do have to pay a HK$800 annual fee, but this is quite low and is waived for the first 2 years. Altogether, EarnMORE UnionPay Diamond Card is great for commuters seeking high flat rebates on nearly every purchase.

  • Stand-Out: Flat 2% rebate w/ complimentary lounge access
  • Promotions: Receive HK$500 cashback w/ HK$8.5k min. spend in 1st 3mo, OR:
  • Receive Panasonic Air Freshener w/ HK$8.5k spend in 1st 3mo, OR:
  • Receive OTO Neck Loose Massager w/ HK$8.5k spend in 1st 3mo
  • Up to HK$90k interest & fee-free instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • Annual fee: HK$800/yr, 2-yr waiver
  • 2% cashback on local, overseas & online spend
  • Foreign currency transaction fees waived
  • Discounted limousine service & up to 3 free lounge visits/yr
EarnMORE UnionPay Diamond Card provides consumers with an opportunity to earn one of the highest flat cashback rates available while also enjoying luxury perks. Cardholders earn 2% cashback on their overseas, local and online spend–including their Octopus AAVS reloads. This means that consumers automatically earn impressive cashback whenever their Octopus Card–a central part of life for many–is topped up. Although cashback rewards are capped at HK$2 per year, EarnMORE UP Diamond Card still offers market-leading flat rebates.


On top of convenient cashback, consumers can also enjoy convenient travel perks like waived foreign currency transaction fees, up to 3 free lounge visits per year, and discounted limo transfers. Consumers do have to pay a HK$800 annual fee, but this is quite low and is waived for the first 2 years. Altogether, EarnMORE UnionPay Diamond Card is great for commuters seeking high flat rebates on nearly every purchase.

CNCBI Motion Platinum Credit Card: 1st Year Cashback Boost

  • 2% cashback on all spend in 1st 6 mo
  • Promotions: Receive HK$400 cashback w/ HK$3k spend in 1st 3mo, OR:
  • Receive Antler Luggage Case w/ HK$6k spend in 1st 3mo, OR:
  • Receive récolte Home BBQ w/ HK$6k spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$1.2k, 3-yr waiver
  • 2% cashback on local retail & overseas for 1st 6mo, 0.55% subsequently
  • 0% interest instalment plan through CNCBI
  • Mastercard Year-Round Offers
CNCBI Motion Platinum Credit Card allows consumers to earn heightened rebates on dining and overseas spend for the 1st year of card ownership, plus ongoing above-average cashback on AAVS reloads. In fact, cardholders earn 2% cashback on local and overseas spend during the 1st year of card ownership, then 0.55% on all spend in subsequent years–including AAVS top-ups. In fact, up to 3 additional family members can also link their Octopus card to CNCBI Motion Platinum Card for automatic AAVS reloads, allowing the cardholder to earn even more cashback.


Beyond these convenient perks, cardholders can also enjoy discounts on dining, online shopping and more through Mastercard Year-Round Offers. Mastercard Global Services including emergency card replacement, emergency cash advances and lost/stolen card reporting are also available both in and outside Hong Kong. Finally, consumers looking to make big purchases can take advantage of 0% interest instalment plans offered directly by CNCBI, allowing them to spread payments for larger transactions across up to 36 months. Ultimately, CNCBI Motion Platinum Card is definitely worth consumers' consideration for its competitive rebate rates on Octopus reloads & its 1st year boost on local and overseas cashback.

  • Stand-Out: 2% cashback on all spend in 1st 6 mo
  • Promotions: Receive HK$400 cashback w/ HK$3k spend in 1st 3mo, OR:
  • Receive Antler Luggage Case w/ HK$6k spend in 1st 3mo, OR:
  • Receive récolte Home BBQ w/ HK$6k spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: HK$1.2k, 3-yr waiver
  • 2% cashback on local retail & overseas for 1st 6mo, 0.55% subsequently
  • 0% interest instalment plan through CNCBI
  • Mastercard Year-Round Offers
CNCBI Motion Platinum Credit Card allows consumers to earn heightened rebates on dining and overseas spend for the 1st year of card ownership, plus ongoing above-average cashback on AAVS reloads. In fact, cardholders earn 2% cashback on local and overseas spend during the 1st year of card ownership, then 0.55% on all spend in subsequent years–including AAVS top-ups. In fact, up to 3 additional family members can also link their Octopus card to CNCBI Motion Platinum Card for automatic AAVS reloads, allowing the cardholder to earn even more cashback.


Beyond these convenient perks, cardholders can also enjoy discounts on dining, online shopping and more through Mastercard Year-Round Offers. Mastercard Global Services including emergency card replacement, emergency cash advances and lost/stolen card reporting are also available both in and outside Hong Kong. Finally, consumers looking to make big purchases can take advantage of 0% interest instalment plans offered directly by CNCBI, allowing them to spread payments for larger transactions across up to 36 months. Ultimately, CNCBI Motion Platinum Card is definitely worth consumers' consideration for its competitive rebate rates on Octopus reloads & its 1st year boost on local and overseas cashback.

Hang Seng enJoy Card: Stacked Cashback & Discounts with Popular Local Merchants

  • Up to 2% rebate on spend w/ popular local merchants & restaurants
  • Promotions: Receive HK$300 cashback w/ HK$4k designated merchant spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • Annual fee: Free
  • HK$150k min. annual salary
  • Annual fee: Free
  • Up to 2% yuu Rewards Points rebate on spend w/ enJoy Card designated merchants
  • 0.5% rebate on all other spend
  • Yuu Rewards Points redeemable w/ 2k+ designated enJoy merchants
  • Year-Round Discounts with designated merchants
Consumers seeking no-fee rebates stacked on discounts with popular local vendors should definitely consider Hang Seng enJoy Card. Cardholders can enjoy a 1% yuu Reward Points rebate on purchases with GNC and Maxim’s Group, 1.5% at 7-Eleven, Mannings, IKEA, Wellcome and more, and 2% at popular eateries Pizza Hut, KFC, and PHD. This rebate is then complemented by year-round offers at eligible merchants, allowing consumers to stack discounts on top of cashback. Spend with non-designated merchants also earns a 0.5% rebate.


Consumers can redeem Yuu Rewards Points at more than 2,000 enJoy Card Designated Merchant outlets and restaurants. With no annual fee and stackable rewards and discounts, Hang Seng enJoy Card is a competitive card for shoppers seeking maintenance-free savings on spend with their favourite merchants.

  • Stand-Out: Up to 2% rebate on spend w/ popular local merchants & restaurants
  • Promotions: Receive HK$300 cashback w/ HK$4k designated merchant spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
  • HK$150k min. annual salary
  • Annual fee: Free
  • Up to 2% yuu Rewards Points rebate on spend w/ enJoy Card designated merchants
  • 0.5% rebate on all other spend
  • Yuu Rewards Points redeemable w/ 2k+ designated enJoy merchants
  • Year-Round Discounts with designated merchants
Consumers seeking no-fee rebates stacked on discounts with popular local vendors should definitely consider Hang Seng enJoy Card. Cardholders can enjoy a 1% yuu Reward Points rebate on purchases with GNC and Maxim’s Group, 1.5% at 7-Eleven, Mannings, IKEA, Wellcome and more, and 2% at popular eateries Pizza Hut, KFC, and PHD. This rebate is then complemented by year-round offers at eligible merchants, allowing consumers to stack discounts on top of cashback. Spend with non-designated merchants also earns a 0.5% rebate.


Consumers can redeem Yuu Rewards Points at more than 2,000 enJoy Card Designated Merchant outlets and restaurants. With no annual fee and stackable rewards and discounts, Hang Seng enJoy Card is a competitive card for shoppers seeking maintenance-free savings on spend with their favourite merchants.

Best Miles Credit Cards For Octopus AAVS

Frequent travellers can earn miles with every AAVS reload with the following cards.

Standard Chartered Asia Miles Mastercard: Miles for Foodies + Rewards for Banking

  • 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
Foodies and current Standard Chartered customers can maximise miles on everyday spend & banking activity with Standard Chartered Asia Miles Mastercard. Cardholders earn 0.25 miles per HK$1 spend on a wide variety of purchases, including dining, online & overseas spend. This makes it especially easy for foodies & modern spenders to accrue miles on their purchases. Consumers can further boost their dining rewards to 0.75 miles per HK$1 spend at select restaurants (1.25 miles on Mondays). All other local spend, including AAVS reloads, earns 0.167 miles per HK$1.


Current Standard Chartered customers can also benefit from their loyalty. Those with Priority and Premium banking accounts can earn up to 490 miles/month (worth approximately HK$49 in value-to-consumer). More specifically, consumers earn 70 miles/month per category that they own a product in. Eligible categories include investments, structured investment series, insurance policies, online banking accounts, payroll accounts, personal loans, and mortgage loan accounts. Consumers holding a Priority, Premium or Bonus Payroll account also enjoy waived annual fees, making it even more enticing to SC loyalists. Altogether, SC Asia Miles Mastercard is a great option for more affluent SC customers and foodies who want to earn rapid miles for their banking loyalty.

  • 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
Foodies and current Standard Chartered customers can maximise miles on everyday spend & banking activity with Standard Chartered Asia Miles Mastercard. Cardholders earn 0.25 miles per HK$1 spend on a wide variety of purchases, including dining, online & overseas spend. This makes it especially easy for foodies & modern spenders to accrue miles on their purchases. Consumers can further boost their dining rewards to 0.75 miles per HK$1 spend at select restaurants (1.25 miles on Mondays). All other local spend, including AAVS reloads, earns 0.167 miles per HK$1.


Current Standard Chartered customers can also benefit from their loyalty. Those with Priority and Premium banking accounts can earn up to 490 miles/month (worth approximately HK$49 in value-to-consumer). More specifically, consumers earn 70 miles/month per category that they own a product in. Eligible categories include investments, structured investment series, insurance policies, online banking accounts, payroll accounts, personal loans, and mortgage loan accounts. Consumers holding a Priority, Premium or Bonus Payroll account also enjoy waived annual fees, making it even more enticing to SC loyalists. Altogether, SC Asia Miles Mastercard is a great option for more affluent SC customers and foodies who want to earn rapid miles for their banking loyalty.

DBS Black World Mastercard: Auto Conversion with No Redemption Fees

  • 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 30 June 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 is great for consumers looking to conveniently earn no-fee miles and travel in luxury. Cardholders earn 0.25 miles per HK$1 overseas spend, and 0.167 miles per HK$ local spend–including Octopus AAVS top-ups. Earned miles can be automatically redeemed for Asia Miles, British Airways’ Avios, KrisFlyer miles, or PhoenixMiles with no handling fee. Consumers also receive a sizeable 45% discount on air tickets & more when they pay by redeeming their miles through DBS's iGO Rewards programme.


Cardholders can also enjoy airport lounge access at the discounted cost of US$32 per person and discounted limo transfer services in Hong Kong for HK$680 each way, which are great perks for travellers. DBS Black World Mastercard does have a high HK$2k annual fee which is only waived for the first year, however. Still, even with this fee, DBS Black World Mastercard is great for consumers who want to enhance the redemption value of their rewards and travel in comfort.

  • 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 30 June 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 is great for consumers looking to conveniently earn no-fee miles and travel in luxury. Cardholders earn 0.25 miles per HK$1 overseas spend, and 0.167 miles per HK$ local spend–including Octopus AAVS top-ups. Earned miles can be automatically redeemed for Asia Miles, British Airways’ Avios, KrisFlyer miles, or PhoenixMiles with no handling fee. Consumers also receive a sizeable 45% discount on air tickets & more when they pay by redeeming their miles through DBS's iGO Rewards programme.


Cardholders can also enjoy airport lounge access at the discounted cost of US$32 per person and discounted limo transfer services in Hong Kong for HK$680 each way, which are great perks for travellers. DBS Black World Mastercard does have a high HK$2k annual fee which is only waived for the first year, however. Still, even with this fee, DBS Black World Mastercard is great for consumers who want to enhance the redemption value of their rewards and travel in comfort.

BEA Flyer World Mastercard: Quickly Earn Miles on Everyday Spend

  • 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 allows consumers to earn high miles rates on a good deal of their everyday purchases. Cardholders earn a highly competitive 0.125 miles per HK$1 spend on Octopus AAVS reloads, as well as for spend at department stores, supermarkets, travel agencies & government departments. Even better, all other spend earns a very competitive 0.200 miles per HK$1 spend.


In terms of perks, consumers can enjoy discounted access to over 1,000 airport lounges worldwide for just US$32 per person per visit. Other perks typically include savings on movie tickets, discounted green fees, and special deals on dining at Michelin-starred restaurants & more. Additionally, BEA Flyer World Mastercard's HK$1.8k annual fee is waived perpetually for those with designated BEA accounts (deposit, Mandatory Provident Fund, consumer or mortgage loan accounts). Altogether, BEA Flyer World Mastercard allows consumers to earn top rates 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 allows consumers to earn high miles rates on a good deal of their everyday purchases. Cardholders earn a highly competitive 0.125 miles per HK$1 spend on Octopus AAVS reloads, as well as for spend at department stores, supermarkets, travel agencies & government departments. Even better, all other spend earns a very competitive 0.200 miles per HK$1 spend.


In terms of perks, consumers can enjoy discounted access to over 1,000 airport lounges worldwide for just US$32 per person per visit. Other perks typically include savings on movie tickets, discounted green fees, and special deals on dining at Michelin-starred restaurants & more. Additionally, BEA Flyer World Mastercard's HK$1.8k annual fee is waived perpetually for those with designated BEA accounts (deposit, Mandatory Provident Fund, consumer or mortgage loan accounts). Altogether, BEA Flyer World Mastercard allows consumers to earn top rates on their everyday spend.

Standard Chartered Platinum Credit Card: Accessible, No-Frills Miles

  • 0.067 miles/HK$1 on all spend
  • Promotions: Receive HK$600 cashback w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Receive up to HK$200 cashback w/ account opening online or via app
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 0.04 miles per HK$1 general spend
  • The Good Life Year-Round Offers
Consumers should consider the Standard Chartered Platinum Credit Card if they're looking for an accessible and easy-to-use miles card with a flat rewards rate and convenient discounts. Cardholders earn 0.04 miles per HK$1 on general spend, including on Octopus AAVS reloads. This rewards rate, although low, which applies to every purchase, makes SC Platinum Card perfect for consumers looking for uncomplicated miles rewards. Additionally, consumers can enjoy convenient discounts at a wide variety of merchants through The Good Life year-round offers from SC and exclusive privileges from either Visa or Mastercard.


SC Platinum Card is also one of the most accessible options for earning miles, with a minimum income requirement of just HK$96k. However, it’s worth noting the annual fee of HK$1.8k is only waived for 1 year. Altogether, SC Platinum Card provides consumers an accessible opportunity to easily earn miles on their everyday spend, including Octopus reloads.

  • Stand-Out: 0.067 miles/HK$1 on all spend
  • Promotions: Receive HK$600 cashback w/ HK$8k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Receive up to HK$200 cashback w/ account opening online or via app
  • Read Our Full Review
  • Annual fee: HK$1.8k, 1st yr waiver
  • 0.04 miles per HK$1 general spend
  • The Good Life Year-Round Offers
Consumers should consider the Standard Chartered Platinum Credit Card if they're looking for an accessible and easy-to-use miles card with a flat rewards rate and convenient discounts. Cardholders earn 0.04 miles per HK$1 on general spend, including on Octopus AAVS reloads. This rewards rate, although low, which applies to every purchase, makes SC Platinum Card perfect for consumers looking for uncomplicated miles rewards. Additionally, consumers can enjoy convenient discounts at a wide variety of merchants through The Good Life year-round offers from SC and exclusive privileges from either Visa or Mastercard.


SC Platinum Card is also one of the most accessible options for earning miles, with a minimum income requirement of just HK$96k. However, it’s worth noting the annual fee of HK$1.8k is only waived for 1 year. Altogether, SC Platinum Card provides consumers an accessible opportunity to easily earn miles on their everyday spend, including Octopus reloads.

Best Credit Cards For Octopus Reloads & Transport Perks

The below offer consumers convenient local transport perks alongside rewards on Octopus reloads.

CCB Octopus UnionPay Dual Currency Credit Card: Dual Functionality & UnionPay 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
  • 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 Octopus UnionPay Dual Currency Credit Card is perfect for regional travellers seeking convenience and cashback both on their commute and on trips to mainland China. Although cardholders earn just 0.4% on general spend, they enjoy the stand-out convenience of dual card functionality. Not only does CCB Octopus UnionPay DC Card double as an Octopus card, it also earns 0.4% cashback on AAVS top-ups.


Beyond these local commuter benefits, cardholders can also conveniently spend in mainland China & overseas with separate billing for HKD and RMB spend and waived foreign transaction fees. With additional perks like discounts on cross-border bus tickets and emergency travel insurance, CCB Octopus UnionPay DC Card is a convenient option for both everyday commuting and regional travel.

  • 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
  • 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 Octopus UnionPay Dual Currency Credit Card is perfect for regional travellers seeking convenience and cashback both on their commute and on trips to mainland China. Although cardholders earn just 0.4% on general spend, they enjoy the stand-out convenience of dual card functionality. Not only does CCB Octopus UnionPay DC Card double as an Octopus card, it also earns 0.4% cashback on AAVS top-ups.


Beyond these local commuter benefits, cardholders can also conveniently spend in mainland China & overseas with separate billing for HKD and RMB spend and waived foreign transaction fees. With additional perks like discounts on cross-border bus tickets and emergency travel insurance, CCB Octopus UnionPay DC Card is a convenient option for both everyday commuting and regional travel.

ICBC KMB UnionPay Dual Currency Diamond Card: Bus Discounts & Luxury Perks

  • Discounted KMB fares & 3 complimentary lounge visits
  • Promotions: Receive HK$300 KMB Online Shop coupon w/ HK$/RMB3k spend in 1st 2mo, OR:
  • KMB Edition Monopoly w/ HK$/RMB3k spend in 1st 2mo
  • Receive HK$50 free spending limit w/ online application
  • Annual Fee: HK$1.9k
  • 0.50% cashback on local retail, online and overseas purchases
  • Discounted limo service & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
ICBC KMB UnionPay Dual Currency Diamond Card is a great fit for consumers who frequently commute by bus. Cardholders earn a flat 0.50% cashback on local retail, online, and overseas purchases, including on Octopus AAVS reloads. Consumers can often also enjoy 15%+ discounts on Kowloon Motor Bus and Long Win Bus fares, providing convenient and affordable transport across Hong Kong.


For trips outside of Hong Kong, ICBC KMB UnionPay DC Diamond Card still helps consumers travel in comfort. Cardholders can enjoy up to 3 free lounge visits per year (with HK$12k spend in the prior 2 months) and discounted limo service in Hong Kong and China. Regional travellers can take advantage of waived foreign transaction fees and separate billing for HKD and RMB spend. Overall, ICBC KMB UnionPay DC Diamond Card is a great match for frequent bus riders who prioritise high-end convenience.

  • Stand-Out: Discounted KMB fares & 3 complimentary lounge visits
  • Promotions: Receive HK$300 KMB Online Shop coupon w/ HK$/RMB3k spend in 1st 2mo, OR:
  • KMB Edition Monopoly w/ HK$/RMB3k spend in 1st 2mo
  • Receive HK$50 free spending limit w/ online application
  • Annual Fee: HK$1.9k
  • 0.50% cashback on local retail, online and overseas purchases
  • Discounted limo service & up to 3 free lounge visits/yr
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
ICBC KMB UnionPay Dual Currency Diamond Card is a great fit for consumers who frequently commute by bus. Cardholders earn a flat 0.50% cashback on local retail, online, and overseas purchases, including on Octopus AAVS reloads. Consumers can often also enjoy 15%+ discounts on Kowloon Motor Bus and Long Win Bus fares, providing convenient and affordable transport across Hong Kong.


For trips outside of Hong Kong, ICBC KMB UnionPay DC Diamond Card still helps consumers travel in comfort. Cardholders can enjoy up to 3 free lounge visits per year (with HK$12k spend in the prior 2 months) and discounted limo service in Hong Kong and China. Regional travellers can take advantage of waived foreign transaction fees and separate billing for HKD and RMB spend. Overall, ICBC KMB UnionPay DC Diamond Card is a great match for frequent bus riders who prioritise high-end convenience.

Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card: Perks for Cross-Border Drivers

  • 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
  • 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
Those who frequently drive to or from mainland China should consider Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card. Cardholders receive 0.40% cashback on every retail purchase, Autotoll Automatic Top-Up and Octopus AAVS reload. Frequent drivers can also take advantage of the card’s Unitoll functionality, which enables consumers to pay tolls automatically simply by driving through the designated lane.


In addition to this time-saving functionality, 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 potential HK$600 per year, are especially beneficial for cross-border drivers. Those using Mass Transit Railway and other local transportation can also enjoy 0.4% cashback on Octopus card reloads, making Dah Sing Autotoll great for all types of commuters.

Finally, cardholders also enjoy UnionPay perks like waived foreign currency transaction fees, separate billing for HKD and RMB spend, discounted limo transfer services in Hong Kong & China and even up to 3 free lounge visits per year. Ultimately, Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card is perfect for frequent drivers and commuters seeking both cashback and convenience in their daily travels.

  • 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
  • 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
Those who frequently drive to or from mainland China should consider Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card. Cardholders receive 0.40% cashback on every retail purchase, Autotoll Automatic Top-Up and Octopus AAVS reload. Frequent drivers can also take advantage of the card’s Unitoll functionality, which enables consumers to pay tolls automatically simply by driving through the designated lane.


In addition to this time-saving functionality, 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 potential HK$600 per year, are especially beneficial for cross-border drivers. Those using Mass Transit Railway and other local transportation can also enjoy 0.4% cashback on Octopus card reloads, making Dah Sing Autotoll great for all types of commuters.

Finally, cardholders also enjoy UnionPay perks like waived foreign currency transaction fees, separate billing for HKD and RMB spend, discounted limo transfer services in Hong Kong & China and even up to 3 free lounge visits per year. Ultimately, Dah Sing Autotoll E-Serve CUP Dual Currency Diamond Card is perfect for frequent drivers and commuters seeking both cashback and convenience in their daily travels.

Citi Octopus Platinum Card: Offset Next Month’s AAVS Top-Up With Every Transaction

  • Dual Octopus functionality, auto-rebates on top-ups
  • Promotions: Receive HK$200 cashback w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 0.5% rebate in Octopus Cash
  • All-in-one card w/ Octopus Functionality
  • Automatically earn Octopus Reward$ at designated merchants
Citi Octopus Platinum Credit Card is a perfect fit for consumers looking to save on their commuting costs while simultaneously streamlining their wallet. Cardholders earn 0.5% in Octopus Cash on every purchase–including Octopus AAVS top-ups–allowing consumers to automatically offset the cost of their next reload. It’s important to note that Octopus Cash can only be used to offset AAVS transactions, however. Therefore, consumers who prefer flexibility and would rather use rewards to offset their next card statement, convert them to miles or redeem them for merchandise may prefer a more traditional credit card.


Nonetheless, Citi Octopus Platinum Card stands out for its convenient dual functionality, working both as a credit card and Octopus card. Consumers can also frequently enjoy special Octopus Cash rebates of up 10%+ on Kowloon Motor Bus, Long Win Bus, and other regional transportation services. Ultimately, Citi Octopus Platinum Card is a great match for commuters who rely on public transit and would like a straightforward card that can help them to offset the cost of AAVS top-ups.

  • Stand-Out: Dual Octopus functionality, auto-rebates on top-ups
  • Promotions: Receive HK$200 cashback w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8k
  • 0.5% rebate in Octopus Cash
  • All-in-one card w/ Octopus Functionality
  • Automatically earn Octopus Reward$ at designated merchants
Citi Octopus Platinum Credit Card is a perfect fit for consumers looking to save on their commuting costs while simultaneously streamlining their wallet. Cardholders earn 0.5% in Octopus Cash on every purchase–including Octopus AAVS top-ups–allowing consumers to automatically offset the cost of their next reload. It’s important to note that Octopus Cash can only be used to offset AAVS transactions, however. Therefore, consumers who prefer flexibility and would rather use rewards to offset their next card statement, convert them to miles or redeem them for merchandise may prefer a more traditional credit card.


Nonetheless, Citi Octopus Platinum Card stands out for its convenient dual functionality, working both as a credit card and Octopus card. Consumers can also frequently enjoy special Octopus Cash rebates of up 10%+ on Kowloon Motor Bus, Long Win Bus, and other regional transportation services. Ultimately, Citi Octopus Platinum Card is a great match for commuters who rely on public transit and would like a straightforward card that can help them to offset the cost of AAVS top-ups.

Best High Income Cashback Cards For Octopus Reloads

Wealthy commuters seeking top cashback rates should consider these cards.

Standard Chartered Simply Cash Visa Card: Simple, Unlimited Cashback

  • Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers
Standard Chartered Simply Cash Visa Card is perfect for high spenders seeking uncomplicated cashback. Cardholders earn unlimited 2% cashback on transactions made in a foreign currency, and 1.5% cashback on spend in HKD–amongst the highest cashback rates on Octopus AAVS reloads. Since rebates are uncapped, high spenders can earn proportionate cashback on their spend instead of hitting rebate caps.


Additionally, current SC customers with Priority or Premium Banking accounts receive perpetual annual fee waivers. It’s worth noting that these accounts usually require daily minimum relationship balances of HK$100k or more, making SC Simply Cash Visa better suited for wealthier consumers. As a result, SC Simply Cash Visa Card is a great option for high-income consumers looking to maximise their earnings with unlimited cashback.

  • Stand-Out: Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers
Standard Chartered Simply Cash Visa Card is perfect for high spenders seeking uncomplicated cashback. Cardholders earn unlimited 2% cashback on transactions made in a foreign currency, and 1.5% cashback on spend in HKD–amongst the highest cashback rates on Octopus AAVS reloads. Since rebates are uncapped, high spenders can earn proportionate cashback on their spend instead of hitting rebate caps.


Additionally, current SC customers with Priority or Premium Banking accounts receive perpetual annual fee waivers. It’s worth noting that these accounts usually require daily minimum relationship balances of HK$100k or more, making SC Simply Cash Visa better suited for wealthier consumers. As a result, SC Simply Cash Visa Card is a great option for high-income consumers looking to maximise their earnings with unlimited cashback.

HSBC Visa Signature Card: Cashback on Your Choice of Category

  • 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers
HSBC Visa Signature Card is a great option for high-income consumers looking to enjoy tailored cashback rates fit to their spending habits. Cardholders earn 1.6% cashback on spend in the categories of dining, entertainment, lifestyle, home, spend in mainland China and Macau and spend overseas. Cardholders also receive a bonus +2% which can be allocated to one category, or spread across several. Additionally, consumers who spend HK$3k each quarter receive an additional +2% rebate on their online and overseas spend. Consumers earn 0.4% rebate cashback on all other spend, including on Octopus AAVS reloads (for which up to 3 cards or products can be linked).


In terms of perks, cardholders can enjoy 1 free lounge visit every month with a single HK$1.5k transaction, for a maximum of 12 visits in a year–far outpacing the 3 visits per year most cards with lounge perks offer. It’s worth noting that HSBC Visa Signature is only available to those with a minimum annual income of HK$360k, or assets of HK$400k, making it less accessible than most cards–even its luxury competitors. Ultimately, HSBC Visa Signature Card is a great option for high-income consumers looking to travel in luxury and earn cashback on their favourite categories.

  • Stand-Out: 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers
HSBC Visa Signature Card is a great option for high-income consumers looking to enjoy tailored cashback rates fit to their spending habits. Cardholders earn 1.6% cashback on spend in the categories of dining, entertainment, lifestyle, home, spend in mainland China and Macau and spend overseas. Cardholders also receive a bonus +2% which can be allocated to one category, or spread across several. Additionally, consumers who spend HK$3k each quarter receive an additional +2% rebate on their online and overseas spend. Consumers earn 0.4% rebate cashback on all other spend, including on Octopus AAVS reloads (for which up to 3 cards or products can be linked).


In terms of perks, cardholders can enjoy 1 free lounge visit every month with a single HK$1.5k transaction, for a maximum of 12 visits in a year–far outpacing the 3 visits per year most cards with lounge perks offer. It’s worth noting that HSBC Visa Signature is only available to those with a minimum annual income of HK$360k, or assets of HK$400k, making it less accessible than most cards–even its luxury competitors. Ultimately, HSBC Visa Signature Card is a great option for high-income consumers looking to travel in luxury and earn cashback on their favourite categories.

HSBC Pulse UnionPay Dual Currency Diamond Card: Regional Travel Perks & Tailored Cashback

  • Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8, 2-yr waiver
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr
HSBC Pulse UnionPay Dual Currency Diamond Card provides frequent travellers convenient regional perks and cashback rates that can be customised to fit their needs. Cardholders can enjoy up to 3 lounge visits per year (with HK$12k spend across the prior 2 months) and limo service in Hong Kong and China for a flat rate of HK$250. Additional perks include separate billing for HKD and RMB spend and waived foreign currency transaction fees for spend in RMB and MOP. While transactions in all other foreign currencies are charged a 1% fee, this rate is still well below the market standard of 1.95%.


Cardholders also benefit beyond these luxury perks. Consumers earn a base rate of 0.4% on general spend, including Octopus AAVS reloads for cardholders and up to 3 other people. Those spending at least HK$3k a quarter earn 2.4% rebates on their online and overseas purchases. Finally, consumers can earn an additional +2.0% boost in a spend category of choice, or spread this bonus across multiple categories. These categories include home, lifestyle, entertainment, dining, spend in mainland China & Macau and spend overseas. With this personalised cashback, HSBC Pulse UnionPay DC Diamond Card is great for affluent consumers who spend in particular categories and can readily optimise their earnings by appropriately allocating their rewards.

  • Stand-Out: Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
  • Annual fee: HK$1.8, 2-yr waiver
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr
HSBC Pulse UnionPay Dual Currency Diamond Card provides frequent travellers convenient regional perks and cashback rates that can be customised to fit their needs. Cardholders can enjoy up to 3 lounge visits per year (with HK$12k spend across the prior 2 months) and limo service in Hong Kong and China for a flat rate of HK$250. Additional perks include separate billing for HKD and RMB spend and waived foreign currency transaction fees for spend in RMB and MOP. While transactions in all other foreign currencies are charged a 1% fee, this rate is still well below the market standard of 1.95%.


Cardholders also benefit beyond these luxury perks. Consumers earn a base rate of 0.4% on general spend, including Octopus AAVS reloads for cardholders and up to 3 other people. Those spending at least HK$3k a quarter earn 2.4% rebates on their online and overseas purchases. Finally, consumers can earn an additional +2.0% boost in a spend category of choice, or spread this bonus across multiple categories. These categories include home, lifestyle, entertainment, dining, spend in mainland China & Macau and spend overseas. With this personalised cashback, HSBC Pulse UnionPay DC Diamond Card is great for affluent consumers who spend in particular categories and can readily optimise their earnings by appropriately allocating their rewards.

Best High Income Miles Cards For Octopus Reloads

High-earning travellers should consider these cards for rewards on their AAVS top-ups.

Citi Prestige Card: Ultra High-End 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 offers consumers some of the most extravagant luxury perks of any credit card in Hong Kong. Cardholders earn an impressive 0.25 miles on every HK$1 of overseas spend and 0.167 miles on local spend–including Octopus AAVS reloads for the cardholder and 3 others. Earnings are boosted even further with a bonus of 20k miles every year from the 2nd year onwards (worth approximately HK$2k in value-to-consumer). Loyal Citibank customers also receive an extra Annual Relationship Bonus of up to 30% of their spend for the year, depending on the tenure and type of account they have with Citi.


As mentioned, Citi Prestige Card also offers some of the most luxurious travel perks on the market. Cardholders enjoy an unlimited number of free 4th nights at any hotel worldwide, complimentary lounge visits with every flight (regardless of ticket class), waived green fees at golf courses across Asia & more. These perks are far more generous than those offered by competing luxury cards which rarely offer free hotel nights and typically cap the number of free lounge visits per year. Nonetheless, Citi Prestige Card is only available to those with a lofty annual income of HK$600k+, and cardholders must pay one of the highest annual fees on the market at HK$3,800. As a result, this card is only accessible to the most affluent individuals, but for some, its cost can easily be offset by its bonus miles and access to exclusive luxury perks.

  • 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 offers consumers some of the most extravagant luxury perks of any credit card in Hong Kong. Cardholders earn an impressive 0.25 miles on every HK$1 of overseas spend and 0.167 miles on local spend–including Octopus AAVS reloads for the cardholder and 3 others. Earnings are boosted even further with a bonus of 20k miles every year from the 2nd year onwards (worth approximately HK$2k in value-to-consumer). Loyal Citibank customers also receive an extra Annual Relationship Bonus of up to 30% of their spend for the year, depending on the tenure and type of account they have with Citi.


As mentioned, Citi Prestige Card also offers some of the most luxurious travel perks on the market. Cardholders enjoy an unlimited number of free 4th nights at any hotel worldwide, complimentary lounge visits with every flight (regardless of ticket class), waived green fees at golf courses across Asia & more. These perks are far more generous than those offered by competing luxury cards which rarely offer free hotel nights and typically cap the number of free lounge visits per year. Nonetheless, Citi Prestige Card is only available to those with a lofty annual income of HK$600k+, and cardholders must pay one of the highest annual fees on the market at HK$3,800. As a result, this card is only accessible to the most affluent individuals, but for some, its cost can easily be offset by its bonus miles and access to exclusive luxury perks.

Citi PremierMiles Card: Rapid Miles & 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
Citi PremierMiles Card is ideal for high spenders looking to rapidly earn miles without having to pay conversion fees. Cardholders earn 0.25 miles per HK$1 on their online and overseas spend, boosted to 0.333 miles–one of the highest possible rates for these categories–for those spending at least HK$20k per month. Consumers also earn a base rate of 0.125 miles per HK$1 local spend, including on Octopus AAVS reloads. Points never expire and can be redeemed for miles at a wide array of airlines for no service charge. Most other travel cards charge conversion fees of HK$100+.


In terms of perks, cardholders enjoy free basic travel insurance and up to an incredible 12 free lounge visits every year, simply by spending HK$5k within 1 month of the visit. Even better, high spenders enjoy waived annual fees with HK$100k annual spend (which averages to HK$8,333 per month). Since Citi PremierMiles requires cardholders to spend HK$20k+ every month to access the highest rates, it’s best suited to consumers with larger budgets. Altogether, Citi PremierMiles Card allows high-spending consumers to earn some of the highest miles rates on the market without worrying about conversion fees.

  • 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
Citi PremierMiles Card is ideal for high spenders looking to rapidly earn miles without having to pay conversion fees. Cardholders earn 0.25 miles per HK$1 on their online and overseas spend, boosted to 0.333 miles–one of the highest possible rates for these categories–for those spending at least HK$20k per month. Consumers also earn a base rate of 0.125 miles per HK$1 local spend, including on Octopus AAVS reloads. Points never expire and can be redeemed for miles at a wide array of airlines for no service charge. Most other travel cards charge conversion fees of HK$100+.


In terms of perks, cardholders enjoy free basic travel insurance and up to an incredible 12 free lounge visits every year, simply by spending HK$5k within 1 month of the visit. Even better, high spenders enjoy waived annual fees with HK$100k annual spend (which averages to HK$8,333 per month). Since Citi PremierMiles requires cardholders to spend HK$20k+ every month to access the highest rates, it’s best suited to consumers with larger budgets. Altogether, Citi PremierMiles Card allows high-spending consumers to earn some of the highest miles rates on the market without worrying about conversion fees.

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.