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Dah Sing ANA World Mastercard: The Best Option for ANA Loyalists?

Exclusive Discounts and Perks with ANA

Dah Sing ANA World Mastercard: The Best Option for ANA Loyalists?

Exclusive Discounts and Perks with ANA

4.0/5.0

ValueChampion Rating ValueChampion Icon

Good for

  • Affluent ANA loyalists
  • Frequent business travellers to Japan
  • Consumers who shop duty-free & in-flight

Bad for

  • Travellers who fly with a variety of airlines
  • People who prioritise rapid miles accrual
  • Consumers who tend to travel on a budget

ANA loyalists who frequently travel to Japan for business may want to consider Dah Sing ANA World Mastercard. Cardholders earn 0.125 ANA Mileage Club (AMC) miles per HK$1 general spend, boosted to 0.156 AMC miles on ANA flight bookings (elevated further to 0.164 AMC miles for ANA Mileage Club Premium members).

Consumers can also enjoy priority check-in services on ANA flights, discounts on ANA in-flight and duty-free shopping, discounted lounge access and more. Altogether, the combination of boosted rebates and exclusive perks makes Dah Sing ANA World Mastercard worth considering for ANA loyalists who fly business class.

ProsCons
  • Up to 0.164 miles per HK$1 ANA flight booking
  • ANA exclusive perks & in-flight discounts
  • Fee waived with just HK$50k annual spend
  • Less competitive rates than similar cards
  • Must be ANA flyer to maximise value
  • No elevated local category rates
Promotions:
  • Receive 4,000 miles w/ HK$4k spend in 1st 2mo
  • Receive additional 4,000 miles w/ HK$8k spend in 1st 2mo
  • Receive 0.25 miles per HK$1 overseas spend in 1st 3mo
  • Receive HK$100 Decathlon e-gift card cashback w/ online application
Card Overview
Pros:
  • Up to 0.164 miles per HK$1 ANA flight booking
  • ANA exclusive perks & in-flight discounts
  • Fee waived with just HK$50k annual spend
  • Promotions: Receive 4,000 miles w/ HK$4k spend in 1st 2mo
  • Receive additional 4,000 miles w/ HK$8k spend in 1st 2mo
  • Receive 0.25 miles per HK$1 overseas spend in 1st 3mo
  • Receive HK$100 Decathlon e-gift card cashback w/ online application
Cons:
  • Less competitive rates than similar cards
  • Must be ANA flyer to maximise value
  • No elevated local category rates

What Makes Dah Sing ANA World Mastercard Stand Out

Dah Sing ANA World Mastercard is worth considering for business travellers who frequently fly via All Nippon Airlines (ANA) to Japan. Cardholders earn 0.125 ANA Mileage Club (AMC) miles per HK$1 local and overseas spend, which is well above the market standard rate of 0.067 miles. Rates are boosted to 0.156 AMC miles per HK$1 for ANA flight bookings. AMC Miles have roughly the same value as Asia Miles.

Those with ANA Mileage Club Premium memberships receive an additional 5% miles boost on ANA flight bookings, which translates to a rate of 0.164 AMC miles per HK$1 spend. To qualify for a Premium membership, cardholders must earn at least 30k Premium Points each year from ANA and other Star Alliance flight bookings. Points are accrued based on a formula which takes into account flight length, booking class and route destination. For example, a consumer could earn enough points to qualify for–and maintain–a Premium membership with about 4 round-trip business class tickets from Hong Kong to Tokyo per year. Since each of these flights typically cost at least HK$15k, purchasing 4 would also likely put a cardholder over the HK$50k/year spend requirement to waive the card's HK$1.2k annual fee. As such, Dah Sing ANA World Mastercard especially rewards frequent business travellers to Japan.

Example of Miles Earned on an ANA Business Class Ticket, Premium v. Non-Premium Member

Non-Premium MemberPremium Member
ANA Flight Booking SpendHK$15,000HK$15,000
Miles Rate (per HK$1 spend)0.156 miles0.164 miles
Miles Earned2,340 miles2,460 miles

However, even after taking this Premium membership boost into consideration, consumers can still earn higher rates for ANA flight bookings with other miles cards, which offer up to 0.200 miles per HK$1 on all flight bookings. This is 1.2 times higher than Dah Sing ANA World's peak rate. As a result, Dah Sing ANA World Mastercard's miles rates, when taken alone, aren't particularly competitive–even for ANA loyalists.

Comparison of Miles Rewards Rates for General Spend & Flight Bookings

Credit CardGeneral SpendFlight BookingsAirline Restriction?
BEA Flyer0.200 mi0.200 miNone
SC Asia Miles0.167 mi0.167 miNone
Dah Sing ANA0.125 mi0.164 miOnly ANA
BEA Flyer World general spend rate excludes transactions at supermarkets, department stores, travel agencies & government departments, which earn 0.125 mi/HK$1 spend. Dah Sing ANA cardholders must be Premium ANA Mileage Club members to earn this rate. Other cardholders earn 0.156 mi/HK$1 spend on ANA flight bookings.

Fortunately, Dah Sing ANA World's value is derived from more than just its rates–cardholders also enjoy exclusive ANA perks that provide a better all-around travel experience. Such benefits include free priority check-in before every ANA flight, discounted lounge access at over 1,000 worldwide destinations, 10% off ANA in-flight & duty-free shopping and 5% off ANA co-branded hotels, primarily in Japan (ANA Crowne Plaza, ANA Intercontinental Hotel Tokyo, The Strings Hotel Tokyo & more).

Altogether, Dah Sing ANA World Mastercard offers perks, savings and rewards tailored for frequent business travellers to Japan. While no specific perk or rewards rate makes the card uniquely valuable, the combination of these features with its fee waiver makes it worth considering for ANA frequent flyers who fly business class.

How Does Dah Sing ANA World Mastercard's Rewards Program Work?

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

  • Miles earned are automatically credited to cardholder's ANA Mileage Club (AMC) account
  • Miles can be redeemed for flights or upgrades on any ANA Group or Star Alliance partner airline
  • Miles can also be redeemed for extra baggage allowances, hotel reservations, car rentals & more
  • Miles cannot be transferred or combined across parties
  • Miles are valid for 3 years after they are earned

Dah Sing ANA World Mastercard's Features and Benefits:

Card Overview
  • Annual Fee: HKD 1,200, 1-Year waiver, then w/ HK$50k annual spend
  • Income Requirement: HKD 150,000z
Rewards Rate Details
  • 0.125 AMC miles per HK$1 local & overseas general spend
  • 0.156 AMC miles per HK$1 ANA flight bookings spend (0.164 miles w/ AMC Premium membership)
  • Note: AMC miles have approximately the same value as Asia Miles
  • No conversion or transfer fees
Benefits & Perks
  • Priority check-in before ANA flights from HKIA & major Japanese airports
  • Lounge access at 1,000+ locations for US$32/person/visit
  • 10% discount on ANA in-flight & duty-free shopping
  • 5% discount with ANA co-branded hotels
Promotions:
  • Receive 4,000 miles w/ HK$4k spend in 1st 2mo
  • Receive additional 4,000 miles w/ HK$8k spend in 1st 2mo
  • Receive 0.25 miles per HK$1 overseas spend in 1st 3mo
  • Receive HK$100 Decathlon e-gift card cashback w/ online application

Dah Sing ANA World Mastercard's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

Cash advance; autopay; "Happy Installment" installment amount; Cash-in-Plan amount; branch cash-in payments; "Smart Choice" Balance Transfer Program; "Payeasy" bill payment; "Jet Payment" payment amount; Cash Conversion Plan; interest-free monthly installment amount; cheque payment amount (if applicable); bank handling fees (including but not limited to annual fee, financial charge, late fee and cash advance handling fee etc)
Casino transactions; Stocks Investment Savings Plan; tax payments
Unposted / cancelled / refunded and all unauthorized transactions

How does Dah Sing ANA World Compare Against Other Cards?

Read our comparisons of Dah Sing ANA World Mastercard with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

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
Dah Sing ANA World Mastercard v. American Express Cathay Pacific Elite Credit Card
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 10 free lounge visits + 0.333 miles/HK$1 w/ Cathay Pacific
  • Read Our Full Review
American Express Cathay Pacific Elite Credit Card is ideal for high-earning Cathay Pacific loyalists. Cardholders earn 0.167 miles per HK$1 local spend, 0.250 miles overseas, and 0.333 miles on Cathay Pacific flight bookings. Consumers also receive 10 free lounge visits per year and access to special perks through Cathay Pacific's Marco Polo Club (extra-legroom seats, extra bags on your flights & more).


Nonetheless, Amex Cathay Pacific Elite's high HK$300k minimum income requirement–double that of Dah Sing ANA World Mastercard–limits its accessibility to high earners. Ultimately, Amex Cathay Pacific Elite is ideal for affluent consumers who mainly fly with Cathay Pacific, while Dah Sing ANA World Mastercard is a more accessible alternative for ANA loyalists.

Dah Sing ANA World Mastercard v. Standard Chartered Asia Miles World 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
Everyday consumers should definitely consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.167 miles per HK$1 general spend, boosted to 0.250 miles online, overseas and on local dining (further elevated to 0.750 miles w/ select restaurants, 1.250 miles on Mondays). Additionally, consumers with SC Premium or Priority Banking accounts can earn miles every month by maintaining financial products with the bank.


While SC Asia Miles offers impressive miles rewards, it doesn't provide any luxury travel perks. As a result, SC Asia Miles may be a better option for consumers that want to rapidly accrue miles, while Dah Sing ANA World is a better fit for ANA loyalists who value convenient perks during their trips.

Dah Sing ANA World Mastercard 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 who want to earn top miles rates regardless of which airline they fly with. Cardholders earn 0.125 miles per HK$1 spend at department stores, supermarkets, travel agencies and government departments and 0.200 miles per HK$1 spend on other transactions. This boosted rate is notably higher than the top rate available to Dah Sing ANA cardholders, even for ANA Premium member flight bookings. Additionally, BEA Flyer World's HK$1.8k annual fee is waived for BEA deposit, Mandatory Provident Fund, mortgage or consumer loan account holders. While BEA Flyer World Mastercard doesn't offer travel perks beyond discounted lounge access, it's definitely worth considering for consumers who want to rapidly accrue miles.
Dah Sing ANA World Mastercard v. AEON Card JAL
  • Annual Fee: HKD 480 (waiver available)
  • Stand-Out: Complimentary AEON discounts + JMB Miles
  • Read Our Full Review
Japan Airlines loyalists who frequently shop at AEON may want to consider AEON Card JAL. Cardholders earn 0.125 JMB (JAL Mileage Bank) miles per HK$1 local spend, boosted to 0.143 miles at AEON stores and 0.167 JMB miles on local dining & spend in Japan. JMB miles have roughly the same value as Asia Miles. While overseas, cardholders also receive foreign currency transaction fees waivers, making spending abroad even easier.


When shopping at AEON, consumers can also take advantage of exclusive AEON Member Price seasonal discounts to conveniently save on supermarket purchases, electronics, fashion and home goods. Even better, the already low annual fee of HK$480 is waived with just HK$30k spend/year. Although both cards are geared towards Japanese airline loyalists, AEON Card JAL is specialised to JAL frequent flyers who shop with AEON, while Dah Sing ANA World Mastercard is a better fit for ANA travellers.

Dah Sing ANA v. Amex Cathay Pacific Elite
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 10 free lounge visits + 0.333 miles/HK$1 w/ Cathay Pacific
American Express Cathay Pacific Elite Credit Card is ideal for high-earning Cathay Pacific loyalists. Cardholders earn 0.167 miles per HK$1 local spend, 0.250 miles overseas, and 0.333 miles on Cathay Pacific flight bookings. Consumers also receive 10 free lounge visits per year and access to special perks through Cathay Pacific's Marco Polo Club (extra-legroom seats, extra bags on your flights & more).


Nonetheless, Amex Cathay Pacific Elite's high HK$300k minimum income requirement–double that of Dah Sing ANA World Mastercard–limits its accessibility to high earners. Ultimately, Amex Cathay Pacific Elite is ideal for affluent consumers who mainly fly with Cathay Pacific, while Dah Sing ANA World Mastercard is a more accessible alternative for ANA loyalists.

Dah Sing ANA 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
Everyday consumers should definitely consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.167 miles per HK$1 general spend, boosted to 0.250 miles online, overseas and on local dining (further elevated to 0.750 miles w/ select restaurants, 1.250 miles on Mondays). Additionally, consumers with SC Premium or Priority Banking accounts can earn miles every month by maintaining financial products with the bank.


While SC Asia Miles offers impressive miles rewards, it doesn't provide any luxury travel perks. As a result, SC Asia Miles may be a better option for consumers that want to rapidly accrue miles, while Dah Sing ANA World is a better fit for ANA loyalists who value convenient perks during their trips.

Dah Sing ANA v. BEA Flyer
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 0.2 miles/HK$1 everyday spend
BEA Flyer World Mastercard is great for consumers who want to earn top miles rates regardless of which airline they fly with. Cardholders earn 0.125 miles per HK$1 spend at department stores, supermarkets, travel agencies and government departments and 0.200 miles per HK$1 spend on other transactions. This boosted rate is notably higher than the top rate available to Dah Sing ANA cardholders, even for ANA Premium member flight bookings. Additionally, BEA Flyer World's HK$1.8k annual fee is waived for BEA deposit, Mandatory Provident Fund, mortgage or consumer loan account holders. While BEA Flyer World Mastercard doesn't offer travel perks beyond discounted lounge access, it's definitely worth considering for consumers who want to rapidly accrue miles.
Dah Sing ANA World Mastercard v. AEON Card JAL
  • Annual Fee: HKD 480 (waiver available)
  • Stand-Out: Complimentary AEON discounts + JMB Miles
Japan Airlines loyalists who frequently shop at AEON may want to consider AEON Card JAL. Cardholders earn 0.125 JMB (JAL Mileage Bank) miles per HK$1 local spend, boosted to 0.143 miles at AEON stores and 0.167 JMB miles on local dining & spend in Japan. JMB miles have roughly the same value as Asia Miles. While overseas, cardholders also receive foreign currency transaction fees waivers, making spending abroad even easier.


When shopping at AEON, consumers can also take advantage of exclusive AEON Member Price seasonal discounts to conveniently save on supermarket purchases, electronics, fashion and home goods. Even better, the already low annual fee of HK$480 is waived with just HK$30k spend/year. Although both cards are geared towards Japanese airline loyalists, AEON Card JAL is specialised to JAL frequent flyers who shop with AEON, while Dah Sing ANA World Mastercard is a better fit for ANA travellers.

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.