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CCB eye Platinum Card: Top Miles for Contactless Spenders

Market-Leading Online & Contactless Rates

CCB eye Platinum Card: Top Miles for Contactless Spenders

Market-Leading Online & Contactless Rates

4.5/5.0

ValueChampion Rating ValueChampion Icon

Good for

  • Those who often shop online & with mobile pay
  • Consumers who want to travel without waiting to earn miles
  • People who want to avoid paying an annual fee

Bad for

  • High spenders looking to reach their full rewards potential
  • People uncomfortable with contactless or online shopping
  • Travellers who prioritise luxury perks

CCB eye Platinum Card is great for modern consumers who want to rapidly earn miles on contactless spend. Cardholders earn 0.067 miles per HK$1 general spend, boosted to 0.201 miles on overseas & travel expenditures, and 0.333 miles on online & contactless transactions.

These boosted categories stack, so consumers can earn up to 0.469 miles per HK$1 on overlapping spend. Consumers can also enjoy flexible travel perks like advanced miles redemption and 0% travel instalment plans. Finally, CCB eye Platinum Card has no annual fee. This makes it an excellent, maintenance-free option for modern consumers to earn top rewards on online and contactless spend.

ProsCons
  • 0.201 mi/HK$1 overseas & on travel bookings
  • 0.333 mi/HK$1 online & contactless spend
  • Up to 0.469 mi/HK$1 on overlapping spend
  • No annual fee
  • Contactless spend req. to earn at top rates
  • Boosted rewards have restrictive caps
  • No luxury travel perks
Promotions:
  • Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive GrandaZ Massage Gun w/ HK$6k spend in 1st 3mo
  • HK$100 cashback for online application
Card Overview
Pros:
  • 0.201 mi/HK$1 overseas & on travel bookings
  • 0.333 mi/HK$1 online & contactless spend
  • Up to 0.469 mi/HK$1 on overlapping spend
  • No annual fee
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive GrandaZ Massage Gun w/ HK$6k spend in 1st 3mo
  • HK$100 cashback for online application
Cons:
  • Contactless spend req. to earn at top rates
  • Boosted rewards have restrictive caps
  • No luxury travel perks

What Makes CCB eye Platinum Card Stand Out

Modern consumers looking to rapidly earn miles on their contactless spend should definitely consider CCB eye Platinum Card. Cardholders earn 0.333 miles/HK$1 spend online and on transactions using Visa Contactless Pay (up to 20k miles/year). Cardholders also earn 0.201 miles/HK$1 spend on travel bookings and overseas (jointly capped at 15k miles/year). Even better, if a purchase overlaps between the contactless and travel-related categories–like an online travel booking–cardholders earn up to 0.469 miles/HK$1 spend (though these overlapping rates are still subject to the caps of each of their categories). All of these rates are up to 7 times higher than the 0.067 miles/HK$1 market standard for each category.

Breakdown of Boosted Rewards Categories

Spend TypeRewards RateAnnual Spend-to-CapAnnual Rewards Cap
Overseas & Travel Bookings0.201 miHK$75k15k mi
Online & Contactless0.333 miHK$60k20k mi
Overlapping0.469 miHK$32k15k mi
Note: Overlapping category 'cap' is distributed between the underlying category caps according to spending patterns, rather than serving as a distinct or additive cap in itself. Total annual bonus rewards are capped at HK$35k miles.

On top of these boosted rates, CCB eye Platinum Card also offers flexible travel perks. Cardholders can redeem up to 10k miles in advance, and then easily earn them back over the course of a year. This allows consumers to enjoy travel experiences on their own schedule, without having to wait until they've earned enough miles. Although consumers do have to earn back the advanced miles within the year (or they'll be charged HK$0.18 per unearned mile), this can easily be achieved with just HK$30k annual contactless spend (as little as HK$2.5k/month).

Additionally, consumers can take advantage of 6-month 0% interest instalment plans for any travel expenses (including overseas shopping spend, overseas hotel accommodations, travel tours and airfare). As such, consumers can pay for more expensive trips in much more manageable monthly instalments, with no added handling fees. Cardholders can even earn miles when paying off their instalments.

CCB eye Platinum does have some drawbacks, however. To start, since non-contactless spend only earns 0.067 mi/HK$1, cardholders must be comfortable making online and contactless transactions in order to maximise the card's value. Those who rarely make these types can earn at much higher rates on their general spend with other cards like BEA Flyer World Mastercard or Standard Chartered Asia Miles Mastercard.

Comparing Miles Rewards Rates Across Comparable Credit Cards

Credit CardGeneral SpendContactlessContactless Rewards Cap
BOC i-Card0.067 mi0.667 mi8k mi/yr
CCB eye0.067 mi0.333 mi20k mi/yr
Citi PremierMiles0.125 mi0.250 miUnltd.
SC Asia Miles0.167 mi0.250 miUnltd.
BEA Flyer World0.200 mi0.200 miUnltd.
BEA Flyer World general spend rate excludes transactions at supermarkets, department stores, travel agencies & government departments, which earn 0.125 mi/HK$1 spend.

Additionally, CCB eye Platinum Card's joint contactless and online miles boost is quickly maxed out with just HK$60k spend. This means that most consumers will be limited to just 20k miles per year on contactless spend while they could otherwise earn potentially limitless miles with other cards. Nonetheless, since there's no annual fee, consumers can use CCB eye Platinum until its miles are maxed out, then switch to another card for subsequent transactions. In fact, even after the rewards caps are met, CCB eye Platinum's travel perks alone offer considerable value. All in all, despite its rather low rewards caps, CCB eye Platinum Card is one of the best cards on the market for modern consumers looking to rapidly accrue miles on daily spend.

How Does CCB eye Platinum Card's Rewards Program Work?

Use our quick guide below to learn how you can redeem your credit card rewards.

  • Rewards technically earned in CCB Bonus Points
  • Points are valid for up to 2 years
  • Points can be redeemed for miles, cash rebates vouchers and more
  • Points are redeemed at a rate of 15 Points = 1 Asia Mile
  • Redemption fee of HK$100 for the first 10k Asia Miles redeemed, HK$50 for every 5k thereafter (max fee of HK$300)
  • All Points will be forfeited upon account closure or termination

CCB eye Platinum Card's Features and Benefits:

Card Overview
  • Annual Fee: Free
  • Income Requirement: HKD 150,000
Rewards Rate Details
  • 0.067 mi/HK$1 general non-contactless spend
  • 0.201 mi/HK$1 overseas, travel agency & airline spend (capped at 15k mi/yr)
  • 0.333 mi/HK$1 online & Visa Contactless Payment spend (capped at 20k mi/yr)
  • 0.469 mi/HK$1 on overlapping online/contactless overseas spend
  • Max of 35k miles/year at boosted rates
Benefits & Perks
  • 0% interest instalment plan for overseas, travel agency & airline spend
  • Redeem up to 10k miles/year in advance (must earn back fully in subsequent year, penalty of HK$0.18 per remaining mile)
  • Year-round dining privileges from CCB
  • Priority booking for select concerts
Promotions:
  • Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive GrandaZ Massage Gun w/ HK$6k spend in 1st 3mo
  • HK$100 cashback for online application

CCB eye Platinum Card's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

CCB "Cash Out" and "FUN Express" instalment program payments; finance charges; late charges; account service charges
Insurance loan repayment; tax payment; payment for MPF contribution
NOTE: The following are not eligible for boosted contactless rewards but are eligible for the general spend rewards rate: electronic wallet top-up or fund transfer; payment for insurance policies issued by insurance companies; autopay transactions; Octopus reloads; online bill payment fees

How does CCB eye Platinum Card Compare to Other Cards?

Read our comparisons of CCB eye Platinum Card with other cards and learn what makes each one unique. We analyse each card to highlight its unique features to help you find the ideal card.

Graph showing some of Hong Kong's best credit cards in terms of value-to-consumer after two years, based on an average monthly spend of HK$12,000
CCB eye Platinum Card v. BOC i-Card
  • Annual Fee: Free
  • Stand-Out: 0.667 miles/HK$1 on mobile & online spend w/ no annual fee
Modern consumers who often enjoy the convenience of mobile and online shopping should definitely consider BOC i-Card. Cardholders earn 0.667 miles per HK$1 spend on online and mobile pay transactions. While this is amongst the highest rates on the market in any spend category, its rewards are capped at just 666 miles per month (met with just HK$1k spend), meaning consumers can only earn at most 8,000 miles per year on contactless spend.


BOC i-Card also offers 0% interest instalment plans with select merchants like China Travel Service and Royal Plaza Hotel, but doesn't allow cardholders to redeem miles in advance. Ultimately, BOC i-Card allows consumers to rapidly earn miles on their online and contactless spend, But CCB eye Platinum has a higher rewards cap and more flexible travel perks.

CCB eye Platinum Card v. Citi PremierMiles Card
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: Up to 0.333 miles per HK$1 spend overseas
  • Read Our Full Review
Citi PremierMiles Card allows high-spenders to earn at top online and overseas rates while enjoying luxury travel perks. Cardholders earn 0.125 miles per HK$1 general spend, elevated to 0.250 miles on online and overseas transactions (further boosted to 0.333 miles with HK$20k spend/month). Miles can be redeemed without service or transaction fees, unlike CCB eye Platinum, which charges consumers up to HK$300 per redemption.


Citi PremierMiles cardholders can also enjoy up to 12 free lounge visits per year (with HK$5k spend in the month following each visit). This luxury travel perk comes at a cost, however, as cardholders must pay a rather high HK$1.8k annual fee. This fee can be waived with HK$100k spend/year, but CCB eye Platinum has no annual fee at all. Altogether, high spenders who prioritise lounge access and want to rapidly accrue miles to their full potential may be better off with Citi PremierMiles Card.

CCB eye Platinum Card v. Standard Chartered Asia Miles Mastercard
  • Annual Fee: HKD 2,000 (waiver available)
  • Stand-Out: Up to 1.25 mi/HK$1 on dining + miles for banking w/ SC
  • Read Our Full Review
Consumers who want uncapped miles rewards should definitely consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.167 miles on general local spend and 0.250 miles on online, overseas & dining transactions (0.750 miles at select restaurants, 1.250 miles on Mondays). Although its online rate may not be as impressive as CCB eye Platinum's, all of SC Asia Miles's rates are uncapped, allowing for limitless rewards. SC Asia Miles does have a HK$2,000 annual fee, but it's waived for SC Priority, Premium or Bonus Payroll Banking account holders.


All in all, SC Asia Miles is a great for consumers looking to avoid rewards caps, while CCB eye Platinum is ideal for modern consumers looking to rapidly earn miles from their contactless spend.

CCB eye Platinum Card v. BEA Flyer World Mastercard
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 0.2 miles/HK$1 everyday spend
  • Read Our Full Review
BEA Flyer World Mastercard is great for consumers looking to earn straightforward rewards without worrying about payment methods or rewards caps. Cardholders earn an unlimited 0.125 mi/HK$1 spend at department stores, supermarkets, travel agencies & government departments, as well as 0.200 mi/HK$1 on other purchases. BEA Flyer World Mastercard is much more expensive than CCB eye Platinum as it has a HK$1.8k annual fee, but cardholders with a BEA deposit, mortgage, consumer loan or Mandatory Provident Fund are completely exempt.


Ultimately, consumers who want to earn at high rates without worrying about caps would be better off with BEA Flyer World, while those with budgets closer to HK$5k/month can potentially earn more in rewards with CCB eye Platinum Card.

CCB eye Platinum Card v. BOC i-Card
  • Annual Fee: Free
  • Stand-Out: 0.667 miles/HK$1 on mobile & online spend w/ no annual fee
Modern consumers who often enjoy the convenience of mobile and online shopping should definitely consider BOC i-Card. Cardholders earn 0.667 miles per HK$1 spend on online and mobile pay transactions. While this is amongst the highest rates on the market in any spend category, its rewards are capped at just 666 miles per month (met with just HK$1k spend), meaning consumers can only earn at most 8,000 miles per year on contactless spend.


BOC i-Card also offers 0% interest instalment plans with select merchants like China Travel Service and Royal Plaza Hotel, but doesn't allow cardholders to redeem miles in advance. Ultimately, BOC i-Card allows consumers to rapidly earn miles on their online and contactless spend, But CCB eye Platinum has a higher rewards cap and more flexible travel perks.

CCB eye Platinum v. Citi PremierMiles
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: Up to 0.333 miles per HK$1 spend overseas
Citi PremierMiles Card allows high-spenders to earn at top online and overseas rates while enjoying luxury travel perks. Cardholders earn 0.125 miles per HK$1 general spend, elevated to 0.250 miles on online and overseas transactions (further boosted to 0.333 miles with HK$20k spend/month). Miles can be redeemed without service or transaction fees, unlike CCB eye Platinum, which charges consumers up to HK$300 per redemption.


Citi PremierMiles cardholders can also enjoy up to 12 free lounge visits per year (with HK$5k spend in the month following each visit). This luxury travel perk comes at a cost, however, as cardholders must pay a rather high HK$1.8k annual fee. This fee can be waived with HK$100k spend/year, but CCB eye Platinum has no annual fee at all. Altogether, high spenders who prioritise lounge access and want to rapidly accrue miles to their full potential may be better off with Citi PremierMiles Card.

CCB eye Platinum v. SC Asia Miles
  • Annual Fee: HKD 2,000 (waiver available)
  • Stand-Out: Up to 1.25 mi/HK$1 on dining + miles for banking w/ SC
Consumers who want uncapped miles rewards should definitely consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.167 miles on general local spend and 0.250 miles on online, overseas & dining transactions (0.750 miles at select restaurants, 1.250 miles on Mondays). Although its online rate may not be as impressive as CCB eye Platinum's, all of SC Asia Miles's rates are uncapped, allowing for limitless rewards. SC Asia Miles does have a HK$2,000 annual fee, but it's waived for SC Priority, Premium or Bonus Payroll Banking account holders.


All in all, SC Asia Miles is a great for consumers looking to avoid rewards caps, while CCB eye Platinum is ideal for modern consumers looking to rapidly earn miles from their contactless spend.

CCB eye Platinum v. BEA Flyer World
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 0.2 miles/HK$1 everyday spend
BEA Flyer World Mastercard is great for consumers looking to earn straightforward rewards without worrying about payment methods or rewards caps. Cardholders earn an unlimited 0.125 mi/HK$1 spend at department stores, supermarkets, travel agencies & government departments, as well as 0.200 mi/HK$1 on other purchases. BEA Flyer World Mastercard is much more expensive than CCB eye Platinum as it has a HK$1.8k annual fee, but cardholders with a BEA deposit, mortgage, consumer loan or Mandatory Provident Fund are completely exempt.


Ultimately, consumers who want to earn at high rates without worrying about caps would be better off with BEA Flyer World, while those with budgets closer to HK$5k/month can potentially earn more in rewards with CCB eye Platinum Card.

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.