Overseas spending: HK$1 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; For the other spending: HK$6 = 1 Mile
Airmiles Local Online Shopping
$ 4 per mile
info
Online shopping spending: HK$4 = 1 Mile
Airmiles Dining
$ 4 per mile
info
Dining spending: HK$4 = 1 Mile
Annual Fee
HK$ 2,000
info
First year annual fee waiver
3 Offers Available
MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
+ 5 other gift options
Valid until
20 March 2024
MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
Valid until
02 April 2024
Welcome Offer - Up to 60,000 Miles
60,000 Miles
Valid until
02 April 2024
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Things to consider for this product:
check
Welcome offer: Air miles
remove
Air miles conversion
remove
Hotel bookings offer
remove
Overseas rebate
MoneyHero Exclusive Offer
Gift Options
Nintendo Switch (OLED model)(valued at HK$2,680;random color); or
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788); or
Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,680; random color); or
HK$900 Apple Store Gift Card; or
HK$900 Wellcome Shopping Voucher
MoneyHero Limited-Time Exclusive Offer
New Standard Chartered Credit Card Customers get rewarded with Nintendo Switch (OLED model)(valued at HK$2,680;random color)OR Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) OR Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) OR Delsey Eclipse SE 27” (valued at HK$3,680) OR HK$900 Wellcome Shopping Voucher OR HK$900 Apple Store Gift Card by fulfilling the following requirements:
From 12 March 2024 2:00 p.m. to 20 March 2024 11:59 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
On or before 30 April 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
Tips:
Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
From 29 February 2024 12 noon to 2 April 2024 06:00 p.m., you can get extra HK$100 Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to Standard Chartered Hong Kong on or before 30 April 2024, no matter the approval result
From now till 3 April 2024, new cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to 60,000 Asia Miles
Spending within the first 2 months upon card issuance –
Tier 1: Accumulated Eligible Transactions* of HKD1,000 = 5,000 Miles (HK$0.2/mile)
Tier 2: Accumulated Eligible Transactions* of HKD5,000 = 15,000 Miles (HK$0.33/mile)
Tier 3: Accumulated Eligible Transactions* of HKD40,000 = 40,000 Miles (HK$1/mile)
Tier 4: Accumulated Eligible Transactions* of HKD100,000 = 60,000 Miles (HK$1.67/mile)
Product Feature :
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2023 and 31 December 2023.
HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
HK$6 = 1 Asia Mile for eligible spending on other categories
10% discount on Asia Miles Awards redemption
Hotel, Car Rental and Experience Awards;
Dining awards or settle bill with miles; and
Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
First-year annual fee waiver
New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.
Other things to note
New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 96000
SPONSORED
American Express Explorer® Credit Card
Airmiles Travel
as low as $ 2 per mile
info
HK$1 = 9 points (equal to HK$2 = 1 mile) in the first 3 months.
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)
+ 4 other gift options
Valid until
22 March 2024
Welcome Offer 2: Foreign Currencies and Local Spending Bonus
Up to 1,152,000 points (equals to 64,000 Air Miles)
Valid until
31 March 2024
Welcome Offer 1: Up to 7,000 Air Miles
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)
Valid until
31 March 2024
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Things to consider for this product:
check
Conciege Service
check
Airport lounge
check
Travel insurance
check
Purchase protection
MoneyHero Exclusive Offer
Gift Options
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour); or
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) ; or
HK$1,000 Apple Store Gift Card; or
HK$1,000 Wellcome Shopping Voucher
MoneyHero Time-Limited Offer
Till 22 March 2024 6 p.m.: New American Express Explorer Credit Cardmember who successfully apply for American Express Explorer Credit Card via MoneyHero and spent HK1,000 within 30 days upon Card approval will be entitled to MoneyHero Time-Limited Offer:
From 29 February 2024 6 p.m. till 22 March 2024 6 p.m.: Successfully apply for the American Express Explorer® Credit Card via MoneyHero and submit all the required documents within 7 working days upon application, and spent HK1,000 within 30 days upon Card approval
Welcome Offer 2: Foreign Currencies and Local Spending Bonus
Make overseas and local spending within 3 months after successfully applying for the American Express Explorer® Credit Card to earn up to 1,152,000 points, which can be used to redeem 64,000 Air Miles
Gift Options
Up to 1,152,000 points (equals to 64,000 Air Miles)
Foreign Currencies Spending Bonus
Enjoy HK$1 = 9 points (equal to HK$2 = 1 mile) in the first 3 months, up to 720,000 points, which is enough to redeem 40,000 miles or HK$2,400 with Pay with Points
Local Spending Bonus
Enjoy HK$1 = 4 points (equal to HK$4.5 = 1 mile) in the first 3 months, up to 432,000 points, which is enough to redeem 24,000 miles or HK$1,440 with Pay with Points
Welcome Offer 1: Up to 7,000 Air Miles
From 1 January 2024 till 31 March 2024 6 p.m., successfully apply for the American Express Explorer® Credit Card and spend the specific amount to earn 126,000 points, which can be used to redeem 7,000 miles
Gift Options
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)
Welcome Bonus
From 1 January 2024 till 31 March 2024 6 p.m., successfully apply for the American Express Explorer® Credit Card and spend HK$7,000 within the first 3 months to earn 126,000 points, which can be used to redeem 7,000 miles or HK$420 with Pay with Points
Cardmembers who are currently holding or applicants who have held or cancelled any approved basic Card product issued by American Express Hong Kong within the past 12 months from the date of this application, are not eligible for the welcome offer and MoneyHero Time-Limited offer.
Product Feature :
Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$3.6 = 1 mile on selected online everyday spend merchants.
Airlines and Selected Online Travel and Everyday Spend Merchants
Include: Amazon.com, Apple, Deliveroo, foodpanda, Netflix, Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE
Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.
No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.
You can transfer your points into 9 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.
You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.
Travel Privileges - take care of your travel needs
Complimentary Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.
Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.
Shopping Protection Spend with the Card to enjoy the following protection:
Online Fraud Protection Guarantee Shop online with the Card and you won't be held responsible for any fraudulent charge.
Return Guarantee Refund if you are unhappy with the purchase made with the Card.
Extended Warranty When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
Price Protection Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
45 Days Cover Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
Terms and Conditions apply.
Entertainment and Shopping Privileges
10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.
First year annual fee waiver upon successful card application
Spend HK$150,000 annually with the principal and any supplementary card(s) and your annual card fee will be waived for the following year.
Existing American Express Explorer Credit Card Basic Cardmembers and applicants who held the Basic Card of American Express Explorer Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and first-year annual fee waiver.
Gift eligibility is based on the application date of the approved application, but not approval date
Online bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.
For the Annual Membership Fee, Annual Membership Fee Waiver, Access to Plaza Premium Lounge, Cardmember Agreement and 5X Membership Rewards points benefits, some changes will be made with effect from May 18, 2023. Please check here for more details: https://www.americanexpress.com/content/dam/amex/hk/benefits/pdf/FN_Explorer_EN.pdf
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 300000
SPONSORED
The Platinum Card®
Min. Annual Income
None
Cashback Local
0.67 %
info
Join Membership Rewards Turbo Program to earn 2 Membership Rewards point on local spending for every HK$1 spend (0.67% cashback).
Cashback Overseas
1 %
info
Every HK$1 (or equivalent) of your foreign currency spend (both online and offline) will earn 3 Membership Rewards points
Airmiles Overseas
$ 4.5 per mile
info
Every HK$1 (or equivalent) of your foreign currency spend (both online and offline) will earn 3 Membership Rewards points
Offer Available
MoneyHero Limited-Time Exclusive Offer
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190)
+ 3 other gift options
Valid until
02 April 2024
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Things to consider for this product:
check
Travel insurance
check
Dining discount
check
Airport lounge
check
Travel agency offer
MoneyHero Limited-Time Exclusive Offer
From 1 March 2024 12 noon till 2 April 2024 6 p.m., apply for The Platinum Card® via MoneyHero, reach the specific eligible spending within 2 months after card issuance, and fully paid the annual fee, to be rewarded the MoneyHero Time-limited Exclusive Offer
Gift Options
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190); or
Delsey - Marina Luggage Set (22" + 26" + 30") 4 Double Wheels Cabin Trolley Case (valued at HK$5,040, random colour); or
Marshall Woburn III (valued at HK$4,999, random colour); or
HK$3,500 Apple Store Gift Card
Apply for The Platinum Card® via MoneyHero, reach HK$15,000 eligible spending within 2 months after card issuance and fully paid the annual fee
Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.67%.
Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.33%.
Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 1%.
Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Shopping Protection Spend with the Card to enjoy the following protection:
Online Fraud Protection Guarantee Shop online with the Card and you won't be held responsible for any fraudulent charge.
Return Guarantee Refund if you are unhappy with the purchase made with the Card.
Extended Warranty When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
Price Protection Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
45 Days Cover Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
Terms and Conditions apply.
Travel Offer
American Express Travel Online Benefit Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit
For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html
Complimentary Access to The Centurion Lounges Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges including Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.
Fine Hotels & Resorts Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available
Elite partner programs Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status
The Hotel Collection Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.
Comprehensive Travel Insurance Travel Accidents coverage of up to HK$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.
Dining Offer Basic and Supplementary Cardmember can enjoy
Global Dining Credit Benefit of up to HK$2,000 Dining Credit annually, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024
Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.
Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
Designated restaurants of Cafe Deco Group includes: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.
The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.
Enjoy 30% saving on a la carte food menu for all day dine-in at participating restaurants of LKF Concepts.
Lifestyle Offer
Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cookedDeli in Hong Kong.
The Platinum Card® Year-Round Offers Terms and Conditions apply.Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers. The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: None
Standard Chartered Cathay Mastercard
Annual Fee
HK$ 2,000
info
First year annual fee waiver
Airmiles Dining
$ 4 per mile
info
Dining spending: HK$4 = 1 Mile
Airmiles Local Online Shopping
$ 4 per mile
info
Online shopping spending: HK$4 = 1 Mile
Airmiles Overseas
$ 4 per mile
info
Overseas spending: HK$1 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; For the other spending: HK$6 = 1 Mile
3 Offers Available
MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
+ 5 other gift options
Valid until
20 March 2024
MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
Valid until
02 April 2024
Welcome Offer - Up to 60,000 Miles
60,000 Miles
Valid until
02 April 2024
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chevron_right
Things to consider for this product:
check
Welcome offer: Air miles
remove
Air miles conversion
remove
Hotel bookings offer
remove
Overseas rebate
MoneyHero Exclusive Offer
Gift Options
Nintendo Switch (OLED model)(valued at HK$2,680;random color); or
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788); or
Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,680; random color); or
HK$900 Apple Store Gift Card; or
HK$900 Wellcome Shopping Voucher
MoneyHero Limited-Time Exclusive Offer
New Standard Chartered Credit Card Customers get rewarded with Nintendo Switch (OLED model)(valued at HK$2,680;random color)OR Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) OR Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) OR Delsey Eclipse SE 27” (valued at HK$3,680) OR HK$900 Wellcome Shopping Voucher OR HK$900 Apple Store Gift Card by fulfilling the following requirements:
From 12 March 2024 2:00 p.m. to 20 March 2024 11:59 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
On or before 30 April 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
Tips:
Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
From 29 February 2024 12 noon to 2 April 2024 06:00 p.m., you can get extra HK$100 Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to Standard Chartered Hong Kong on or before 30 April 2024, no matter the approval result
From now till 3 April 2024, new cardholders who submit the Standard Chartered Cathay Mastercard applications and fulfill relevant requirements can enjoy up to 60,000 Asia Miles
Spending within the first 2 months upon card issuance –
Tier 1: Accumulated Eligible Transactions* of HKD1,000 = 5,000 Miles (HK$0.2/mile)
Tier 2: Accumulated Eligible Transactions* of HKD5,000 = 15,000 Miles (HK$0.33/mile)
Tier 3: Accumulated Eligible Transactions* of HKD40,000 = 40,000 Miles (HK$1/mile)
Tier 4: Accumulated Eligible Transactions* of HKD100,000 = 60,000 Miles (HK$1.67/mile)
Product Feature :
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2023 and 31 December 2023.
HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
HK$6 = 1 Asia Mile for eligible spending on other categories
10% discount on Asia Miles Awards redemption
Hotel, Car Rental and Experience Awards;
Dining awards or settle bill with miles; and
Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
First-year annual fee waiver
New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.
Other things to note
New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 96000
Standard Chartered Cathay Mastercard - Priority Banking
Airmiles Dining
$ 4 per mile
info
Dining spending: HK$4 = 1 Mile
Airport Lounge Access
4 times
info
Cathay Pacific Business Class Lounge Access voucher
Airmiles Local Online Shopping
$ 4 per mile
info
Online shopping spending: HK$4 = 1 Mile
Airmiles Overseas
$ 4 per mile
info
Overseas spending: HK$4 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; Other spending: HK$6 = 1 Mile
3 Offers Available
MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
+ 5 other gift options
Valid until
20 March 2024
MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
Valid until
02 April 2024
Welcome Offer - Up to 80,000 Miles
80,000 miles
Valid until
03 April 2024
chevron_left
chevron_right
Things to consider for this product:
check
Welcome offer: Air miles
check
Priority Pass
check
Airport lounge
check
Air miles conversion
MoneyHero Exclusive Offer
Gift Options
Nintendo Switch (OLED model)(valued at HK$2,680;random color); or
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788); or
Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,680; random color); or
HK$900 Apple Store Gift Card; or
HK$900 Wellcome Shopping Voucher
MoneyHero Limited-Time Exclusive Offer
New Standard Chartered Credit Card Customers get rewarded with Nintendo Switch (OLED model)(valued at HK$2,680;random color)OR Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) OR Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) OR Delsey Eclipse SE 27” (valued at HK$3,680) OR HK$900 Wellcome Shopping Voucher OR HK$900 Apple Store Gift Card by fulfilling the following requirements:
From 12 March 2024 2:00 p.m. to 20 March 2024 11:59 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
On or before 30 April 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
Tips:
Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
From 29 February 2024 12 noon to 2 April 2024 06:00 p.m., you can get extra HK$100 Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to Standard Chartered Hong Kong on or before 30 April 2024, no matter the approval result
From now till 3 April 2024, new cardholders who submit the Standard Chartered Cathay Mastercard - Priority Banking applications and fulfill relevant requirements can enjoy up to 80,000 Asia Miles.
Spending within the first 2 months upon card issuance –
Tier 1: Accumulated Eligible Transactions*of HKD1,000 = 5,000 Miles (HK$0.2/Miles)
Tier 2: Accumulated Eligible Transactions*of HKD5,000 = 15,000 Miles (HK$0.33/Miles)
Tier 3: Accumulated Eligible Transactions*of HKD40,000 = 60,000 Miles (HK$0.67/Miles)
Tier 4: Accumulated Eligible Transactions*of HKD100,000 = 80,000 Miles (HK$1.25/Miles)
Product Feature :
Cathay Travel Privileges
Cathay Pacific Business Class Lounge Access 4 times per year
Check-in at the Premium Economy Class counters and enjoy the same priority boarding services for Premium Economy Class passengers
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2023 and 31 December 2023.
HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
HK$6 = 1 Asia Mile for eligible spending on other categories
10% discount on Asia Miles Awards redemption
Hotel, Car Rental and Experience Awards;
Dining awards or settle bill with miles; and
Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
Annual fee waiver when you become a Priority Banking client and fulfill relevant requirements
Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date.
Other things to note
"New Standard Chartered clients" refer to those who must fulfill the requirements of both "New cardholders" and "New banking clients" simultaneously as listed below:
"New Cardholders" are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
"New Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.
To enjoy the full benefits of Standard Chartered Cathay Mastercard - Priority Banking, cardholder is required to be an existing Priority Banking client or a New Banking Client who signs up for Priority Banking upon card application. The cardholder is also required to maintain HK$1,000,000 or above Average Daily Relationship Balance starting from the second calendar month from card issuance date.
Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
No annual fee will be refunded if the card is terminated. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid.
An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 96000
Standard Chartered Cathay Mastercard - Priority Private
Cashback Dining
Not Applicable
Cashback Local Online Shopping
Not Applicable
Airmiles Overseas
$ 4 per mile
info
Overseas spending: HK$4 = 1 Mile; Local dining and online spending: HK$4 = 1 Mile; Other spending: HK$6 = 1 Mile
Airport Lounge Access
8 times
info
2 Cathay Pacific First Class Lounge Access voucher and 8 Cathay Pacific Business Class Lounge Access voucher
3 Offers Available
MoneyHero Exclusive Offer
Nintendo Switch (OLED model)(valued at HK$2,680;random color)
+ 5 other gift options
Valid until
20 March 2024
MoneyHero Exclusive Offer (Regardless of Approval Result)
HK$100 Wellcome Shopping Voucher
Valid until
02 April 2024
Welcome Offer - Up to 100,000 Miles
100,000 miles
Valid until
03 April 2024
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Things to consider for this product:
check
Welcome offer: Air miles
check
Airport lounge
check
Air ticket rebate
check
Air miles conversion
MoneyHero Exclusive Offer
Gift Options
Nintendo Switch (OLED model)(valued at HK$2,680;random color); or
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788); or
Delsey Eclipse SE 27" Expandable Spinner Front-opneing Suitcase (valued at HK$3,680; random color); or
HK$900 Apple Store Gift Card; or
HK$900 Wellcome Shopping Voucher
MoneyHero Limited-Time Exclusive Offer
New Standard Chartered Credit Card Customers get rewarded with Nintendo Switch (OLED model)(valued at HK$2,680;random color)OR Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) OR Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) OR Delsey Eclipse SE 27” (valued at HK$3,680) OR HK$900 Wellcome Shopping Voucher OR HK$900 Apple Store Gift Card by fulfilling the following requirements:
From 12 March 2024 2:00 p.m. to 20 March 2024 11:59 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
On or before 30 April 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
Tips:
Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
From 29 February 2024 12 noon to 2 April 2024 06:00 p.m., you can get extra HK$100 Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to Standard Chartered Hong Kong on or before 30 April 2024, no matter the approval result
From now till 3 April 2024, new cardholders who submit the Standard Chartered Cathay Mastercard - Priority Private applications and fulfill relevant requirements can enjoy up to 100,000 Asia MilesSpending within the first 2 months upon card issuance –
Tier 1: Accumulated Eligible Transactions*of HKD1,000 = 5,000 Miles (HK$0.2/Miles)
Tier 2: Accumulated Eligible Transactions*of HKD5,000 = 15,000 Miles (HK$0.33/Miles)
Tier 3: Accumulated Eligible Transactions*of HKD40,000 = 80,000 Miles (HK$0.5/Miles)
Tier 4: Accumulated Eligible Transactions*of HKD100,000 = 100,000 Miles (HK$1/Miles)
Product Feature :
Cathay Travel Privileges
Cathay Pacific Business Class Lounge Access 10 times per year, sharable to your travel companion or Redemption Group members
Check-in at the Business Class counters and enjoy the same priority boarding services for Business Class passengers
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2023 and 31 December 2023.
HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
HK$6 = 1 Asia Mile for eligible spending on other categories
Exclusive Privé Privileges
Access to Priority Private concierge, gourmet privileges, exclusive benefits with Standard Chartered global luxury hotel partners and Airport Limousine Programme
10% discount on Asia Miles Awards redemption
Hotel, Car Rental and Experience Awards;
Dining awards or settle bill with miles; and
Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
Annual fee waiver when you become a Priority Private client and fulfill relevant requirements
Cardholders are entitled to the annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. First-year annual fee will be charged on the third month from Card opening date.
Other things to note
"New Standard Chartered clients" refer to those who must fulfill the requirements of both "New cardholders" and "New banking clients" simultaneously as listed below:
"New Cardholders" are applicants who do not currently hold and have not canceled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
"New Clients" refer to those who are NOT holding any banking products or services with or distributed by the Bank (including but not limited to deposit account, investment service and insurance products underwritten by the third-party insurer) in the past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards.
To enjoy the full benefits of Standard Chartered Cathay Mastercard - Priority Private, cardholder is required to be an existing Priority Private client or a New Banking Client who signs up for Priority Private upon card application. The cardholder is also required to maintain HK$8,000,000 or above Average Daily Relationship Balance starting from the second calendar month from card issuance date.
Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
No annual fee will be refunded if the card is terminated. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid.
An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780; random color)
+ 3 other gift options
Valid until
02 April 2024
Extra Welcome Offer
30,000 Miles (360,000 Points)
Valid until
02 April 2024
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Things to consider for this product:
check
Airport lounge
check
Travel insurance
check
Hotel bookings offer
check
Overseas rebate
MoneyHero Time-Limited Exclusive Offer
Gift Options
DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780; random color); or
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190); or
HK$3,800 Apple Store Gift Card; or
HK$3,800 Wellcome Shopping Voucher
MoneyHero Time-Limited Exclusive Offer
New Citi Presitge Card Customers get rewarded with Dyson Supersonic™ HD15 hair dryer (valued at HK$3,780, random colour) / LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190) / HK$3,800 Apple Store Gift Card / HK$3,800 Wellcome Shopping Voucher
Requirements
29 February 2024 6 p.m. till 2 April 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
On or before 1 May 2024: The card must be approved by Citibank.
Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
Within 30 days after card approval: Spend HK$5,000 or above with the card (value-added PayMe/Alipay AliPay/WeChat Pay can be counted) and pay HK$3,800 annual fee.
Please note down the application reference number (e.g. ABC123456789) provided on the page after completing the application.
Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
Extra Welcome Offer
Gift Options
30,000 Miles (360,000 Points)
New Citi Presitge Credit Card customers who apply via MoneyHero and fulfill specific requirements can enjoy an additional 30,000 Miles (equivalent to 360,000 Points)
From 29 February 2024 till 2 April 2024: New Citi Credit Cardholders who successfully apply for Citi Prestige Credit Card via MoneyHero.
Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
On or before 1 May 2024: The card must be successfully approved and activated.
Within 30 days after card approval: Fulfilled the eligible spending of HK$5,000 or above (counting towards reloading PayMe/Alipay AliPay/WeChat Pay) and payment of HK$3,800 annual fee.
Points will be auto-posted 2 months after payment of annual fee.
Pay annual fee of HK$3,800 to receive 360,000 Points every year from the second year onwards, equivalent to 30,000 Asia Miles
Points can redeem cash rebate, vouchers, gifts and airmiles
Complimentary 4th night at any hotel
Complimentary night at any hotel when you book a minimum 4-consecutive-night stay including staycation
One call connects to 24/7 Citi Prestige Concierge hotline with multiple languages
Free travel insurance
Pay in full or redeem for flight tickets/accommodation/travel tours with your Citi Prestige Card, you and your family can enjoy free travel insurance.
Extended warranty insurance, purchase protection insurance, e-commerce protection insurance and more
Other things to note
This MoneyHero Exclusive Offer does not apply to student card
Annual fee of HK$3,800 must be paid.
MoneyHero exclusive offer is only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 600000
American Express Explorer® Credit Card
Airmiles Travel
as low as $ 2 per mile
info
HK$1 = 9 points (equal to HK$2 = 1 mile) in the first 3 months.
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)
+ 4 other gift options
Valid until
22 March 2024
Welcome Offer 2: Foreign Currencies and Local Spending Bonus
Up to 1,152,000 points (equals to 64,000 Air Miles)
Valid until
31 March 2024
Welcome Offer 1: Up to 7,000 Air Miles
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)
Valid until
31 March 2024
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Things to consider for this product:
check
Conciege Service
check
Airport lounge
check
Travel insurance
check
Purchase protection
MoneyHero Exclusive Offer
Gift Options
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour); or
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) ; or
HK$1,000 Apple Store Gift Card; or
HK$1,000 Wellcome Shopping Voucher
MoneyHero Time-Limited Offer
Till 22 March 2024 6 p.m.: New American Express Explorer Credit Cardmember who successfully apply for American Express Explorer Credit Card via MoneyHero and spent HK1,000 within 30 days upon Card approval will be entitled to MoneyHero Time-Limited Offer:
From 29 February 2024 6 p.m. till 22 March 2024 6 p.m.: Successfully apply for the American Express Explorer® Credit Card via MoneyHero and submit all the required documents within 7 working days upon application, and spent HK1,000 within 30 days upon Card approval
Welcome Offer 2: Foreign Currencies and Local Spending Bonus
Make overseas and local spending within 3 months after successfully applying for the American Express Explorer® Credit Card to earn up to 1,152,000 points, which can be used to redeem 64,000 Air Miles
Gift Options
Up to 1,152,000 points (equals to 64,000 Air Miles)
Foreign Currencies Spending Bonus
Enjoy HK$1 = 9 points (equal to HK$2 = 1 mile) in the first 3 months, up to 720,000 points, which is enough to redeem 40,000 miles or HK$2,400 with Pay with Points
Local Spending Bonus
Enjoy HK$1 = 4 points (equal to HK$4.5 = 1 mile) in the first 3 months, up to 432,000 points, which is enough to redeem 24,000 miles or HK$1,440 with Pay with Points
Welcome Offer 1: Up to 7,000 Air Miles
From 1 January 2024 till 31 March 2024 6 p.m., successfully apply for the American Express Explorer® Credit Card and spend the specific amount to earn 126,000 points, which can be used to redeem 7,000 miles
Gift Options
Spend HK$7,000 to enjoy up to 126,000 points (equals to 7,000 Air Miles)
Welcome Bonus
From 1 January 2024 till 31 March 2024 6 p.m., successfully apply for the American Express Explorer® Credit Card and spend HK$7,000 within the first 3 months to earn 126,000 points, which can be used to redeem 7,000 miles or HK$420 with Pay with Points
Cardmembers who are currently holding or applicants who have held or cancelled any approved basic Card product issued by American Express Hong Kong within the past 12 months from the date of this application, are not eligible for the welcome offer and MoneyHero Time-Limited offer.
Product Feature :
Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$3.6 = 1 mile on selected online everyday spend merchants.
Airlines and Selected Online Travel and Everyday Spend Merchants
Include: Amazon.com, Apple, Deliveroo, foodpanda, Netflix, Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE
Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.
No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.
You can transfer your points into 9 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.
You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.
Travel Privileges - take care of your travel needs
Complimentary Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.
Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.
Shopping Protection Spend with the Card to enjoy the following protection:
Online Fraud Protection Guarantee Shop online with the Card and you won't be held responsible for any fraudulent charge.
Return Guarantee Refund if you are unhappy with the purchase made with the Card.
Extended Warranty When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
Price Protection Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
45 Days Cover Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
Terms and Conditions apply.
Entertainment and Shopping Privileges
10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.
First year annual fee waiver upon successful card application
Spend HK$150,000 annually with the principal and any supplementary card(s) and your annual card fee will be waived for the following year.
Existing American Express Explorer Credit Card Basic Cardmembers and applicants who held the Basic Card of American Express Explorer Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and first-year annual fee waiver.
Gift eligibility is based on the application date of the approved application, but not approval date
Online bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.
For the Annual Membership Fee, Annual Membership Fee Waiver, Access to Plaza Premium Lounge, Cardmember Agreement and 5X Membership Rewards points benefits, some changes will be made with effect from May 18, 2023. Please check here for more details: https://www.americanexpress.com/content/dam/amex/hk/benefits/pdf/FN_Explorer_EN.pdf
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 300000
DBS Black World Mastercard®
Annual Fee Waiver
One year
Airport Lounge Access
Yes
info
Eligible spending in a certain Spending Phase over HK$80,000 to get Klook HK$500 Promo Codes for Airport Limousine Transfer Service, Airport Lounge & Express Pass and Luggage Delivery (regitration required)
New DBS Credit Card cardholders who successfully apply for DBS Black World Mastercard® via MoneyHero are entitled to HK$500 Wellcome Supermarket Voucher.
How to redeem MoneyHero exclusive offer?
Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with DBS.
DBS Card+ Extra Welcome Offer - HK$50 InstaRedeem Discount
New customers^ who successfully applied DBS credit cards through DBS Card+ app, would be eligible to the HK$50 InstaRedeem Discount (For details: go.dbs.com/hk-online-acq-50SIR)
^New Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by the Bank (“New Customers ”). Existing Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled DBS Black World Mastercard issued by the Bank (“Existing Customers ”).
To borrow or not to borrow? Borrow only if you can repay!
DBS Extra Miles Welcome Offer
Gift Options
up to 42,000 Miles
New Customers^ can enjoy below welcome offers upon accumulating the following eligible transactions within the first 3 months of card issuance and activating DBS Card+ account and the physical New Card in the first month:
Up to 40,000 Miles spending requirements and its miles conversion rate:
Accumulated Eligible Spending of HK$8,000: 8,000 miles (i.e. DBS$384)
Accumulated Eligible Spending of HK$20,000: 12,000 miles (i.e. DBS$576)
Accumulated Eligible Spending of HK$80,000: 40,000 miles (i.e. DBS$1,920)
Total accumulated miles rewards: 40,000 miles (i.e. DBS$1,920)
Apply Instant Cash (i.e. “Call-a-loan” or “Funds Transfer”) with the New Card via the Bank’s Instant Cash webpage or DBS Card+, the successful approved and cash out Instant Cash loan amount can be deemed as Eligible Spending amount (subject to a cap of HK$3,000)
Extra 2,000 miles (i.e. DBS$96)
Accumulate Octopus Automatic Add-Value transaction of HK$1,000 or above or successfully apply for Flexi Shopping (for any amount) with 12 or more monthly instalments via the New Card within 3 months after its issuance
HK$50 InstaRedeem Discount
•Successfully activate the physical new card via DBS Card+ app within 2 month after its issuance
New customers need to download and activate DBS Card+ account in the first month within 1 month after new card issuance
Existing customers^ need to activate the physical new card via DBS Card+ app within 2 months after its issuance
Suitable for customers who loves travellingEnjoy full year travel privileges
KLOOK InstaRedeem 20% off offer
Up to 12% off on hotel booking offer from Expedia.com
Up to 12% off on hotel booking offer from Hotels.com
Up to 10% off on hotel booking from Agoda.com
Up to 7% off on selected products at KKday
Up to 10% cash rebate on selected hotels booking at Booking.com
OpenRice 20% off via InstaRedeem
Spend at OpenRice during the promotion period to enjoy 20% off via InstaRedeem (at the conversion rate of DBS$1 / $1 COMPASS Dollar = HK$1.25)
Redeem air miles or travel rewards with DBS$. No expiry date and redemption fee for DBS$.
Redeem flight from Asia Miles, Avios, KrisFlyer & PhoenixMiles at any time; Asia Miles can be converted instantly and shall be credited to your mileage account instantly.
Exclusive offers of 45% off when redeeming travel rewards with DBS$ from iGO Rewards.
As low as HK$3=1mile and worldwide travel privileges
Register via DBS Card+ now to enjoy as low as HK$3=1mile worldwide travel privileges including airport limousine transfer service, airport lounge & express pass and luggage delivery upon accumulating a retail spending of HK$80,000 from the next calendar day after successful registration in a certain spending phase. For details, please visit go.dbs.com/hk-black-distinction-en.
InstaRedeem 20% off on Online / Travel Merchant Spending
Other things to note
MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS.
DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
To borrow or not to borrow? Borrow only if you can repay!
Eligibility :
Min. Annual Income: HK$ 240000
HSBC EveryMile Credit Card
Complimentary Travel Insurance
Yes
info
For overseas transportation cost on land, water or air to or from Hong Kong / overseas hotel fares for the entire insured Trip / overseas tour package costare paid or settled by HSBC EveryMile Credit Card, cardholder and the accompanying Spouse and Child shall be automatically eligible complimentary travel insurance
Airport Lounge Access
6 times
info
Complimentary visits to the Plaza Premium Airport Lounge or free meals, travel companions enjoy 20% discount on entrance fee
Airmiles Overseas
$ 5 per mile
Airmiles Local
$ 5 per mile
3 Offers Available
HSBC Welcome Offer
$800 RewardCash
+ 1 other gift options
Valid until
28 February 2025
Time-limited offer
Extra$300 RewardCash
Valid until
30 April 2024
Extra RewardCash for Cash instalment plan
$200 RewardCash
Valid until
31 July 2024
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Things to consider for this product:
check
Hotel bookings offer
check
Airport lounge
check
Travel agency offer
check
Travel insurance
HSBC Welcome Offer
Gift Options
$800 RewardCash; or
HK$200 RewardCash
Applying for eligible credit card via HSBC website, HSBC Personal Internet Banking or HSBC App and make eligible transaction of HKD/RMB 8,000 or above within the first 60 calendar days after card issuance:
New Credit Card Customers: $800 RewardCash
Existing Credit Card Customers: $200 RewardCash
Time-limited offer
Gift Options
$300 RewardCash
From 8 March 2024 till 30 April 2024, apply for the Eligible HSBC Credit Card and meet the following conditions within 60 days after card issuance to enjoy extra $300 Reward Cash
HSBC Visa Gold Card for Students: accumulate an eligible spending of HK$4,000, and tap and use the card to enter and exit gates for at least one MTR ride
Other Eligible HSBC Credit Card: accumulate an eligible spending of HK$10,000, and tap and use the card to enter and exit gates for at least one MTR ride
New Card Customers who activate the Eligible Credit Card, and successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above within the first 60 calendar days after card issuance, can enjoy an extra $200 RewardCash. Terms and Conditions
Product Feature :
Enjoy an “Interest-free Payment Holiday” for the first two months
You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required).
HK$2 spent = 1 mile on designated everyday spend; HK$5 spent = 1 mile on local purchases; as low as HK$2 = 1 mile from the exclusive overseas spending offer
Designated merchants include: Netflix, Disney+, Citybus, First Bus, Caltex, TenRen’s Tea, eCup, MOOV and etc. (complete full merchant list)
First year annual fee waiver
Use your RewardCash to redeem amazing rewards or miles / points at 15+ frequent flyer and hotel loyalty programmes, including Aeroplan, Asia Miles™, British Airways Executive Club Avios, Singapore Airlines KrisFlyer, Emirates Skywards, Finnair Plus, Infinity MileageLands etc.
Please refer to HSBC website for the complete list of flyer and hotel loyalty programmes.
Enjoy up to 15% off on hotel bookings worldwide with Agoda and monthly flash offers
Up to 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per year
Complimentary travel insurance for you and your accompanying family members with special coverage on mobile phone and in the event of trip cancellation
Visa concierge services
Other things to note
The Online Welcome Offer Promotional Period starts from 1 March 2024 to 28 February 2025
The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card
To enjoy up to 15% off on hotel bookings with Agoda, bookings must be made ia designated Agoda website (www.agoda.com/hsbceverymile ) or by accessing the Agoda mobile app through the designated Agoda website.
To borrow or not to borrow? Borrow only if you can repay!
Eligibility :
Min. Annual Income: HK$ 240000
DBS COMPASS VISA
Cashback Local Online Shopping
3 %
info
Taobao and TMall spending; other online shopping spending: 0.4% cashback
Cashback Overseas
0.4 %
info
Overseas spending: 0.4% cashback
Cashback Local
1 %
info
On local designated stores spending. Local non-designated stores spending: 0.4% cashback
Cashback Supermarket
10 %
info
Up to 10% COMPASS Dollar Rebate
3 Offers Available
MoneyHero Exclusive Offer
HK$200 Wellcome Shopping Voucher
Valid until
02 April 2024
DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount
Valid until
02 April 2024
DBS COMPASS VISA Welcome Offer
Up to HK$400 Rewards
Valid until
02 April 2024
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Things to consider for this product:
check
Supermarket rebate
check
Online shopping rebate
check
Local spending rebate
check
Annual Fee waiver
MoneyHero Exclusive Offer
Gift Options
HK$200 Wellcome Shopping Voucher
New DBS Credit Card cardholders who successfully apply for DBS Card via MoneyHero are entitled to HK$200 Wellcome Supermarket Voucher.
How to redeem MoneyHero exclusive offer?
Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with DBS.
DBS Card+ Extra Welcome Offer - HK$50 InstaRedeem Discount
New customers^ who successfully applied DBS credit cards through DBS Card+ app, would be eligible to the HK$50 InstaRedeem Discount (For details: go.dbs.com/hk-online-acq-50SIR)
^New Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by the Bank (“New Customers ”). Existing Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled DBS COMPASS VISA issued by the Bank (“Existing Customers ”).To borrow or not to borrow? Borrow only if you can repay!
DBS COMPASS VISA Welcome Offer
Gift Options
Up to HK$400 Rewards
DBS COMPASS VISA Welcome Offer By 2 April 2024, new customers^ who successfully applied DBS COMPASS VISA Platinum card and complete below requirements within 3 months of the New Card issuance date, can enjoy below welcome offer:
HK$250 local Supermarket or Taobao InstaRedeem Discount Accumulated eligible spending of HK$4,000 or above, and/or Apply Instant Cash (i.e. “Call-a-loan” or “Funds Transfer”) with the New Card via the Bank’s Instant Cash webpage or DBS Card+, the successful approved and cash out Instant Cash loan amount can be deemed as Eligible Spending amount (subject to a cap of HK$3,000)
HK$100 Cash Rebate To reload the Octopus via the Octopus Automatic Add-Value Services and the accumulated reloaded amount is HK$1,000 or above or successfully apply for Flexi Shopping Programme (of any amount) with 12 or more monthly instalments with the New Card within the Spending Period
HK$50 InstaRedeem Discount Successfully activated the physical new card via DBS Card+ within 2 month from card issuance date
New customers need to download and activate DBS Card+ account in the first month within 1 month after new card issuance
Existing customers^ canalsoenjoy HK$50 InstaRedeem Discount by activating the physical new card via DBS Card+ app within 2 months after its issuance
New and Existing Customers are entitled to get HK$50 InstaRedeem Discount if they successfully activated the physical New Card via DBS Card+ mobile application within 1 month from card issuance date.
"Super Wednesday" Shopping Offers - Up to 10% COMPASS Dollar Rebate on local supermarkets spending
Enjoy up to 10% COMPASS Dollar Rebate upon a single net spending of HK$300 or above at local supermarkets or Taobao with DBS COMPASS VISA every Wednesday. Earn rebates automatically without hassie! (Applicable for the first HK$2,000 Eligible Spending in each calendar month)
Promotion period: From now till 26 June2024 (every Wednesday)
"COM-to-Play" Mini Game Win up to $5,000 COMPASS Dollar
During the promotion period, principal cardholders of DBS COMPASS VISA can participate in our “COM-to-Play” Mini Game via DBS Card+ app upon making a single net transaction of HK$200 or above at the following designated spending categories (physical or online stores). Upon completion of the mini game, cardholders can get a guarantee prize of $5 COMPASS Dollar or a chance of winning up to $5,000 COMPASS Dollar!
Fashion & Apparel
Department Stores
Household Appliances / Electronic Goods
Home Furniture / Decorations
Gasoline
To join the Mini Game, Principal Cardholders are required to install the DBS Card+ and completely register an DBS Card+ account before making the eligible transaction. Each Principal Cardholder can participate in the Mini Game up to 2 times per calendar month during the promotion period. The virtual credit card activated immediately upon the successful application of the Applicable Credit Card via DBS Card+ is also entitled to participate in the Promotion from the second next day upon card issuance.
Promotion Period: From now till 30 June2024
Other things to note
MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS.
Reload of digital wallet does not count as eligible transactions of welcome offer. DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning COMPASS Dollar.
Promotions above are subject to related terms and conditions, please visit go.dbs.com/hk-cv-en for details.
Eligibility :
Min. Annual Income: HK$ 100000
The Platinum Card®
Min. Annual Income
None
Cashback Local
0.67 %
info
Join Membership Rewards Turbo Program to earn 2 Membership Rewards point on local spending for every HK$1 spend (0.67% cashback).
Cashback Overseas
1 %
info
Every HK$1 (or equivalent) of your foreign currency spend (both online and offline) will earn 3 Membership Rewards points
Airmiles Overseas
$ 4.5 per mile
info
Every HK$1 (or equivalent) of your foreign currency spend (both online and offline) will earn 3 Membership Rewards points
Offer Available
MoneyHero Limited-Time Exclusive Offer
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190)
+ 3 other gift options
Valid until
02 April 2024
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Things to consider for this product:
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Travel insurance
check
Dining discount
check
Airport lounge
check
Travel agency offer
MoneyHero Limited-Time Exclusive Offer
From 1 March 2024 12 noon till 2 April 2024 6 p.m., apply for The Platinum Card® via MoneyHero, reach the specific eligible spending within 2 months after card issuance, and fully paid the annual fee, to be rewarded the MoneyHero Time-limited Exclusive Offer
Gift Options
LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190); or
Delsey - Marina Luggage Set (22" + 26" + 30") 4 Double Wheels Cabin Trolley Case (valued at HK$5,040, random colour); or
Marshall Woburn III (valued at HK$4,999, random colour); or
HK$3,500 Apple Store Gift Card
Apply for The Platinum Card® via MoneyHero, reach HK$15,000 eligible spending within 2 months after card issuance and fully paid the annual fee
Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.67%.
Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 0.33%.
Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Take American Express Pay with Points Redemption Rate 300 Membership Rewardspoints = HK$1 as an example. The cashback rate is 1%.
Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Shopping Protection Spend with the Card to enjoy the following protection:
Online Fraud Protection Guarantee Shop online with the Card and you won't be held responsible for any fraudulent charge.
Return Guarantee Refund if you are unhappy with the purchase made with the Card.
Extended Warranty When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
Price Protection Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
45 Days Cover Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
Terms and Conditions apply.
Travel Offer
American Express Travel Online Benefit Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit
For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html
Complimentary Access to The Centurion Lounges Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges including Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.
Fine Hotels & Resorts Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available
Elite partner programs Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status
The Hotel Collection Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.
Comprehensive Travel Insurance Travel Accidents coverage of up to HK$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.
Dining Offer Basic and Supplementary Cardmember can enjoy
Global Dining Credit Benefit of up to HK$2,000 Dining Credit annually, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024
Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.
Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
Designated restaurants of Cafe Deco Group includes: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.
The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.
Enjoy 30% saving on a la carte food menu for all day dine-in at participating restaurants of LKF Concepts.
Lifestyle Offer
Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cookedDeli in Hong Kong.
The Platinum Card® Year-Round Offers Terms and Conditions apply.Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers. The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: None
Dah Sing United MileagePlus World MasterCard
Airmiles Local
HK$ 8 mile
Airmiles Overseas
HK$ 5 mile
info
on United Airlines and overseas spending
Airport Lounge Access
1 per quarter
info
Receive a one-time electronic United Club pass to enjoy access to the United Club, where you can relax and enjoy complimentary amenities, when you spend HK$40,000 or more in the previous quarter.
Annual Fee Waiver
First 2 years
2 Offers Available
MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
+ 1 other gift options
Valid until
31 March 2024
Welcome Offer
5,000 Miles
Valid until
31 December 2024
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Things to consider for this product:
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Mile Conversion
check
Miles Never Expire
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Complimentary United Club Access
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First 2 year annual fee waiver
MoneyHero Exclusive Offer
Gift Options
HK$400 Apple Store Gift Card; or
HK$400 Wellcome Shopping Voucher
New Dah Sing Credit Card Customers get rewarded with HK$400 Apple Store Gift Card OR HK$400 Wellcome Shopping Vouchers by fulfilling the following requirements:
From 12 March 2024 6 p.m. to 31 March 2024:New Dah Sing Credit Card Customers who apply for Dah Sing Credit Card via MoneyHero
On or before 30 April 2024:The card must be approved by Dah Sing Bank, subject to the Bank’s system records.
Within 7 days of receiving the form, complete the redemption form sent via email from MoneyHero for verification and follow-up.
Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
Designated card(s) include Dah Sing ONE+ Credit Card / Dah Sing MyAuto Credit Card / Dah Sing ANA World Mastercard / Dah Sing British Airways Platinum Card / Dah Sing United MileagePlus World MasterCard
If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Dah Sing Bank has no relation with its redemption, usage and dispute.
Welcome Offer
Gift Options
5,000 Miles
New Card member who successfully apply Dah Sing United MileagePlus World MasterCard, can enjoy the following welcome gifts:
First 2 Year annual fee waiver; and
Enjoy 5,000 Miles when you successfully apply for the card and accumulate Eligible Spending of HK$5,000 or above within the first 2 months from card issuance.
The promotion period runs until 31 Dec 2024.
Terms and Condition Apply
To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
Product Feature :
Welcome offer 5,000 miles
Mile Conversion as low as HK$5 = 1 Mile
Take advantage of earning MileagePlus award miles, and taking off anytime you like and travel to more than 1,000 cities in the world! United Airlines now operates nonstop services from Hong Kong to Chicago, Los Angeles, San Francisco and Guam.
Dah Sing United MileagePlus World Mastercard
Conversion
Local spending
HK$8 = 1 mile
Spending at designated merchants
HK$6 = 1 mile
United Airlines and overseas spending
HK$5 = 1 mile
First 2-year annual fee waiver
Complimentary United Club Access
Receive a one-time electronic United Club pass to enjoy access to the United Club, where you can relax and enjoy complimentary amenities, when you spend HKD40,000 or more in the previous quarter.
Remark: The offer is provided by United Airlines and subject to the relevant terms and conditions. Dah Sing Bank, Limited will not be responsible for any matters related to these privileges. The privileges may change over time.
Enjoy a 15% discount off the full retail price while purchasing United MileagePlus Miles via www.united.com/buymiles and login with your MileagePlus account number and password.
Remark: The offer is provided by United Airlines and subject to the relevant terms and conditions. Dah Sing Bank, Limited will not be responsible for any matters related to these privileges. The privileges may change over time.
Enjoy more flexibility in miles redemption with miles in your MileagePlus account that will never expire.
Remark: The offer is provided by United Airlines and subject to the relevant terms and conditions. Dah Sing Bank, Limited will not be responsible for any matters related to these privileges. The privileges may change over time.
World Mastercard Fabulous Privileges
Mastercard Travel Pass provided by DragonPass
You can now access over 1,300 airport lounges worldwide and enjoy exclusive dining and spa offers with your Dah Sing MileagePlus World Mastercard. Simply download the Mastercard Travel Pass App to enjoy the privileges!
Access Your Benefits
Airport Lounges Access
Dining Discount
Travel Information
Airport Limousine Service
Offers Redemption
You can download the Mastercard Travel Pass App from Google Play Store or Apple App store and register with our Dah Sing World Mastercard. Many offers and services are also available in App.
Remarks:
Above offers and services are provided by DragonPass and is subject to the relevant terms and conditions. The Bank will not be responsible for any matter.
More offers are available and may change over time, for more details and terms and conditions, please refer to Mastercard Travel Pass Website at mastercardtravelpass.dragonpass.com..
To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 150000
Dah Sing British Airways Platinum Card
Airmiles Local
$ 6 per mile
info
HK$6 = 1 Avios
Airmiles Overseas
$ 4 per mile
info
HK$6 = 1.5 Avios
Annual Fee
HK$ 1,800
info
First 2 year annual fee waiver
2 Offers Available
MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
+ 1 other gift options
Valid until
31 March 2024
Welcome Offer
Up to 20,000 Avios airmiles
Valid until
31 March 2024
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Things to consider for this product:
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Airmiles Local
check
Airmiles Overseas
check
First 2 year annual fee waiver
MoneyHero Exclusive Offer
Gift Options
HK$400 Apple Store Gift Card; or
HK$400 Wellcome Shopping Voucher
New Dah Sing Credit Card Customers get rewarded with HK$400 Apple Store Gift Card OR HK$400 Wellcome Shopping Vouchers by fulfilling the following requirements:
From 12 March 2024 6 p.m. to 31 March 2024:New Dah Sing Credit Card Customers who apply for Dah Sing Credit Card via MoneyHero
On or before 30 April 2024:The card must be approved by Dah Sing Bank, subject to the Bank’s system records.
Within 7 days of receiving the form, complete the redemption form sent via email from MoneyHero for verification and follow-up.
Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
Designated card(s) include Dah Sing ONE+ Credit Card / Dah Sing MyAuto Credit Card / Dah Sing ANA World Mastercard / Dah Sing British Airways Platinum Card / Dah Sing United MileagePlus World MasterCard
If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Dah Sing Bank has no relation with its redemption, usage and dispute.
Welcome Offer
Gift Options
Up to 20,000 Avios airmiles
New Card member who successfully apply Dah Sing Dah Sing British Airways Platinum Card, can enjoy the following welcome gift:
Accumulating eligible spending within the first 2 months from the date of the Bank's issuance of the eligible card to enjoy up to 20,000 Avios airmiles
Accumulated eligible spending
Avios airmiles (Standard + Extra)
Within the first 2 months from the date of the Bank's issuance of the Eligible Card
HK$4,000
4,000 Avios airmiles
HK$12,000(extra HK$8,000)
Total 8,000 Avios airmiles
HK$30,000 or above(extra HK$18,000)
Total 20,000 Avios airmiles
The above Avios miles exchange rate is using local spending amount as example
No charges on the conversion for miles
Book your flights online at www.ba.com or at the British Airways Hong Kong ticket office and pay with your Dah Sing British Airways Platinum Card to earn double Avios (2 Avios for every HK$6 spent)
10% discount when you book a round trip air ticket at www.ba.com with the card and enter the designated promo code「CARDOFFERH」
Enjoy a premium discount, extra 10% cash rebate and up to 3.5X Avios on JourneySure Travel Insurance Plan via online enrolment with your card
Enjoy an extra HKD500 cash rebate upon successfully opening of a YOU Banking Account during the period from the card application date to 3 months from the date of new card issuance and fulfilling the designated requirements. You can also enjoy other credit cards cash rewards and YOU banking welcome offers.
To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
Product Feature :
Welcome offer up to 20,000 Avios
First 2-year annual fee waiver
HK$6 = 1 Avios on local spending
HK$6 = 1.5 Avios on overseas spending
HK$6 = 2 Avios on spending on your birthday
HK$6 = 2 Avios when booking flights online at www.ba.com or at the British Airways Hong Kong Ticket Office
From now until 30 Apr 2024, redeem a Combo Set at any Starbucks stores at Hong Kong International Airport at HK$1 when paying with your physical Dah Sing British Airways Platinum Card
To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: HK$ 150000
Dah Sing ANA World Mastercard
Airmiles Overseas
$ 8 per mile
info
Overseas spending: HK$8 = 1 Mile
Airmiles Local
$ 8 per mile
info
Local spending: HK$8 = 1 Mile
Annual Fee Waiver
First year
3 Offers Available
MoneyHero Exclusive Offer
HK$400 Apple Store Gift Card
+ 1 other gift options
Valid until
31 March 2024
Welcome Offer - Up to 17,000 Miles
Up to 17,000 Miles
Valid until
30 June 2024
Welcome Offer
Overseas Spending $4 = 1 Mile
Valid until
30 June 2024
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Things to consider for this product:
check
Overseas rebate
check
Online Spending
check
Local spending rebate
check
First year annual fee waiver
MoneyHero Exclusive Offer
Gift Options
HK$400 Apple Store Gift Card; or
HK$400 Wellcome Shopping Voucher
New Dah Sing Credit Card Customers get rewarded with HK$400 Apple Store Gift Card OR HK$400 Wellcome Shopping Vouchers by fulfilling the following requirements:
From 12 March 2024 6 p.m. to 31 March 2024:New Dah Sing Credit Card Customers who apply for Dah Sing Credit Card via MoneyHero
On or before 30 April 2024:The card must be approved by Dah Sing Bank, subject to the Bank’s system records.
Within 7 days of receiving the form, complete the redemption form sent via email from MoneyHero for verification and follow-up.
Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
Designated card(s) include Dah Sing ONE+ Credit Card / Dah Sing MyAuto Credit Card / Dah Sing ANA World Mastercard / Dah Sing British Airways Platinum Card / Dah Sing United MileagePlus World MasterCard
If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.
MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Dah Sing Bank has no relation with its redemption, usage and dispute.
Welcome Offer - Up to 17,000 Miles
Gift Options
Up to 17,000 Miles
New Card member who successfully apply Dah Sing ANA World Mastercard with spending within the first 2 months upon card issuance, can enjoy up to 17,000 Miles* (Equivalent to a ANA round trip ticket to Japan)
Accumulated amount of local Eligible Local Spending*:HK$8,000
Total Miles Earned (Basic Miles + Extra Miles):4,000 Miles
Accumulated amount of local Eligible Local Spending*:HK$15,000
Total Miles Earned (Basic Miles + Extra Miles):8,000 Miles
Accumulated amount of local Eligible Local Spending*:HK$30,000
Total Miles Earned (Basic Miles + Extra Miles):17,000 Miles
The Promotion Period runs until 30 Jun 2024
*Includes the basic mileage reward of every HKD8 can redeem 1 mile and the extra mileage reward awarded in Welcome Miles Offer
To borrow or not to borrow ? Borrow only if you can repay!
The service(s) / product(s) mentioned here is/ are not targeted at customers in the EU
Welcome Offer
Gift Options
Overseas Spending $4 = 1 Mile
Within the first 3 months from card issuance during the Promotion Period, spend with your card on Eligible Overseas Spending to enjoy HKD4 = 1 Mile. No mileage cap. The more you spend, the more Miles you earn!
The Promotion Period is from now till 30 Jun 2024.
The Basic Miles Reward and Extra Miles awarded in Overseas Spending Reward are included
To borrow or not to borrow ? Borrow only if you can repay!
The service(s) / product(s) mentioned here is/ are not targeted at customers in the EU
Product Feature :
All local and overseas spending HK$8 = 1 Mile
There is no limit for earning miles and you can redeem a round trip ticket to Tokyo, Osaka, Nagoya, Sapporo etc. with as low as 17,000 miles. You can also take Business Class to Japan with as low as 35,000 miles
Annual Fee Waiver Scheme
On top of the first-year annual fee waiver, if the accumulated retail spending reached HKD50,000 or above in the past 12 monnths from the month required to pay annual fee, the annual fee if principal and supplementary card will be waived.
Enjoy priority check-in service at ANA Business class check-in counter at Hong Kong International Airport, Tokyo International Airport, Narita International Airport, Kansai International Airport and Chubu Centrair International Airport by simply presenting your Dah Sing ANA World Mastercard (valid when using flights operated by ANA)
Dah Sing Principal Cardholders will receive an extra 25% mileage when using flights operated by ANA
Exclusive ANA Flight Privileges
10%Discount for ANA In-flight Shopping
10% Shopping Discount at ANA GROUP duty fee shops and 5%Shopping Discount at ANA FEATA at the Airports
Special Offers at ANA Hotels and IHG ANA Co-branded Hotels
5% mileage bonus for ANA Premium Members
Easier way to receive ANA Bronze Service
ANA Family Account Service (AFA)
Dah Sing ANA World Mastercard Exclusive Ticket Discount
Exclusive ANA flight Privileges are provided by All Nippon Airways and subject to the relevant terms and conditions. The Bank will not be responsible for any matter. The Privileges may change over time, for more details, please refer to ANA's website www.ana.co.jp/en/hk
World Mastercard
Mastercard Travel Pass provided by DragonPass
You can now access over 1,300 airport lounges worldwide and enjoy exclusive dining and spa offers with you Dag Sing ANA World Mastercard. Simply download the Mastercard Travel Pass App to enjoy the privileges!
Access Your Benefits
Airport Lounges Access
Travel Information
Dining Discount
Airport Limousine Service
Offers Redemption
You can download the Mastercard Travel Pass App from Google Play Store or Apple App store and register with our Dah Sing World Mastercard. Many offers and services are also available in App.
Remarks
Above offers and services are provided by DragonPass and is subject to the relevant terms and conditions. The Bank will not be responsible for any matter.
More offers are available and may change over time, for more details and terms and conditions, please refer to Mastercard Travel Pass Website.
To borrow or not to borrow ? Borrow only if you can repay!
The service(s) / product(s) mentioned here is/ are not targeted at customers in the EU
Eligibility :
Minimum Age: 18 years old
Minimum Annual Income: HK$ 150000
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Gift Options
; or
Terms & Conditions
Financial insights at your fingertips
Explore new ways to earn, save, and grow your money for short and long-term goals. Browse the latest analyses, tips and hacks from the MoneyHero team so you can get the most from your dollars!
Air Miles Credit Cards Vs. Cash Back Credit Cards Vs. Credit Card Points
When looking for the best credit card(s) to help earning air miles, you may see other options besides mileage credit cards, mainly cash back credit cards and credit card points. Depending on your spending habits, you may benefit more from certain rewards programmes.
Air miles credit cards
Mileage credit cards are straightforward with their reward process and can be beneficial for frequent travellers as they usually do not require a miles conversion fee.
Cash back credit cards
If you don’t consider yourself a frequent flyer but would still like to redeem points, consider cash back credit cards. Rather than collecting miles, cash back credit cards offer the benefit of earning cash back on qualified purchases, which can be useful for everyday spending.
Credit card points
For those who are looking for the best of both worlds, some credit cards offer points as rebates providing flexibility in how you redeem your rewards. Through spending in certain categories, you can earn a large number of credit card points that can then be redeemed for exclusive items or even air miles.
Each type of card has distinct advantages and disadvantages as explained below:
Air Miles Credit Cards
Cash Back Credit Cards
Credit Card Points
Reward process
Straightforward. Air miles are directly transferred to airline frequent flyer programmes after purchases.
Indirect. Earning cash back on everyday spending. Some cards can earn air miles at the same time but at a lower conversion rate.
Indirect. Earning bank points, which can then be converted into miles
Conversion fee
No
Yes
Yes
Mileage earning
Fast
Slow
Slow
Additional perks
Airport lounge access, Travel insurance, and Hotel rewards
Purchase protection and extended warranties
Exclusive co-brand items, concert tickets and air miles
Suitable persona
Frequent travellers
Financially savvy, Frequent shoppers
Frequent shoppers, Budget conscious
Flexibility
Low
High
High
Need Some Help When Selecting Air Miles Credit Cards?
What are air miles?
Air miles, also known as frequent flyer miles, serve as a customer loyalty programme for airline passengers. Airlines reward you with points each time you fly with them, so you can eventually build up enough points to redeem incentives, such as free or discounted tickets or seat upgrades. Besides, some credit cards also offer air miles as rewards so that you can accumulate miles based on how much you spend on your credit card.
What is an air miles credit card?
An air miles credit card is a type of credit card that allows you to earn points or miles for every qualified dollar you spend on the card. These points can then be redeemed for flights, upgrades, and other travel-related expenses such as accommodation. Air miles credit cards often come with additional perks and benefits such as airport lounge access, travel insurance, and hotel rewards. They are ideal for frequent travellers looking to earn rewards and save money on future trips.
How do you accumulate air miles with a credit card?
There are a few ways to accumulate air miles with a credit card.
1. You can earn miles through your everyday spending on the credit card. Many credit cards offer a certain number of miles per dollar spent, and some may offer bonus miles for spending in certain categories. For example, for every HK$5 you spend using your card, you could get 15 points which you can exchange for 1 air mile.
2. You can earn air miles through applying for a credit card and receiving air miles as a welcome gift. You could be rewarded with 20,000 airline miles after meeting certain spending requirements. For example, Standard Chartered Cathay Mastercard and DBS Black World Mastercard reward customers with Asia Miles upon spending a specified amount with their credit card.
3. Some providers offer the option to convert credit card points into miles. This can be a useful option if you are close to reaching a certain amount of miles needed for a specific redemption.
4. Certain credit cards may have partnerships with specific airlines or hotels, allowing you to earn more miles when you use the card to book with those partners.
Who can apply for an air miles credit card?
Eligibility requirements may vary depending on the specific credit card and issuer. In General, any Hong Kong permanent resident who is (i) at least 18 years old, (ii) with a good credit score and (iii) has a stable income can apply for an air miles credit card. Do note that some credit cards may require the cardholder to meet minimum income requirements.
What kinds of transactions are eligible for air miles rewards?
Air miles can be earned through “eligible purchases”. The definition of “eligible purchases” will vary between card issuers and credit cards. Some credit cards may only consider local purchases as “eligible”, whereas others may also factor in overseas retail purchases. Under most circumstances, spending such as instalments, bill payments, and autopay services are excluded. For a comprehensive list of eligible purchases, refer to your credit card’s terms and conditions
How to redeem air miles?
Air miles can generally be redeemed through websites, third-party portals, call centres or dedicated services.
How long does it take to convert credit card points into air miles?
The conversion time for Asia Miles generally falls within 4 to 6 weeks, depending on the partner's conversion process. However, certain selected credit card issuers might offer instant conversion.
For Avios, the transfer time from credit card points to miles varies depending on the partnered issuer's terms and conditions. For example, transferring American Express Member Rewards points to Avios typically takes 3 business days upon request, while other issuers may convert within 24 hours after a transfer is initiated.
What are things to consider before I redeem flights with air miles?
There are multiple factors to consider before redeeming flights using air miles.
When redeeming points, remember that the number of air miles you accumulate doesn't equate to the number of actual miles you will fly if you book airline tickets.
When redeeming flights, the cost of higher-classed tickets may vastly differ. For example, you may need to collect up to 15,000 air miles to be able to redeem a complimentary one-way economy class ticket, as opposed to 100,000 airline miles needed to obtain a one-way business class ticket on the same flight.
You may also use your air miles to upgrade from economy to business class, or business to first class. This can cost around 50,000 air miles or more, depending on the seat class that you want to upgrade to, and the airline offering the flight.
Some programmes may offer the option to redeem points for a companion at a discounted rate. For example, your business class ticket can cost around 120,000 air miles, but if you buy another business class ticket for a companion, you can exchange it for only 75,000 air miles.
Will my air miles expire? How to keep my miles active?
In the past, air miles were normally valid for 36 months from the date you earned the point, but after the pandemic, there were policy changes across many air miles programmes. Cathay now offers a free-of-charge extension to the expiration date for Asia Miles earned before 1 January 2020. As long as you earn or redeem miles at least once every 18 months, all your miles will remain active. Cathay also offers the option to donate your miles to a charity instead of letting them expire.
What should I pay attention to when earning miles?
When earning flyer miles on your credit card, it's important to evaluate the ease of accumulation, ease of mileage redemption, reward availability, and the possibilities of online scams.
To evaluate the ease of accumulation for miles, look at how quickly you can earn miles per dollar spent, consider factors like earning rate, partnerships, promotions, credit card options, and non-travel options.
Ease of mileage redemption refers to how easy it is to redeem your miles for flights and seat upgrades. Will the transfers be completed instantly, is redeeming points a hassle-free process, and is it done over the phone or online .
It's also important to check the availability of the reward. Some programmes may have limited availability or restrictions on certain flights, making it difficult to use your miles. Choose a programme that offers rewards that interest or benefit you.
Lastly, be aware of online scams. Some scammers may offer fake promotions or deals promising to help you earn more miles or redeem them for free.
Miles or cash back: Which is more cost-effective?
Determining whether miles or cash back is more cost-effective depends on your travel habits and lifestyle. If you are a frequent flyer who values upgrades and free flights and can accumulate a large number of miles through everyday spending, exchanging them for air tickets may be more cost-effective. However, if you do not travel often and prefer to earn cash rebates for everyday purchases, a cash back credit card offers flexibility and simplicity. You can use it for any purchase, with no limitations from airlines or travel agencies and brands. Remember to closely examine each credit card's terms and rewards structure to determine which one aligns best with your financial goals and lifestyle.
Why should I earn air miles with a credit card?
Air miles are one of the common types of credit card rewards. If you're a frequent traveler and use your credit card to book flights and accommodation on a regular basis, you can earn more air miles faster, and exchange these miles for discounted flight tickets and other benefits. If your credit card is co-branded with a specific airline that has a frequent flyer programme, you can also choose to have the points you earn converted into air miles.
Are there annual fees for air miles credit cards?
A majority of air miles credit cards do come with an annual fee. However, some credit cards may also offer additional benefits or rewards that can offset the cost of the annual fee.
Which airline air miles programs are available?
Cathay (Cathay Pacific’s loyalty programme, formerly known as Asia Miles) is the most widely used air miles programme in Hong Kong. Many credit cards have partnered with Cathay, allowing cardholders to earn "Asia Miles," the currency of the programme, with every purchase made. Two other popular air miles programmes are Japan Airlines' ANA Miles and British Airways Executive Club (Avios), which offer great value for group or family travel. Other air miles programmes worth considering include KrisFlyer, United Airlines' MileagePlus, and Korean Air's Skypass.
Do I have to pay when I convert my credit card points to air miles?
Certain credit cards may automatically convert your spending into air miles without any additional fees or steps, such as the Standard Chartered Cathay Mastercard. However, other cards may only allow you to exchange your credit card points for air miles. In this case, there may be handling fees depending on the amount of air miles exchanged.
Do redeemed tickets include taxes and fees?
The cost of taxes and fees are not included in the redeemed ticket. You will be responsible for paying any applicable departure taxes, airport or government handling fees, fuel surcharges, security and insurance charges, and any other fees charged by authorised entities. These charges will be taken from your credit card when your ticket is issued.
What should I consider when choosing the best air miles credit card for me?
When selecting the most suitable air miles credit card, in addition to comparing welcome bonuses and air miles rewards, it is important to take into account annual fees, APRs, penalty policies, and terms and conditions of related rewards. With a sophisticated credit card comparison tool like MoneyHero, we have simplified this process for consumers like you. With just a few clicks, you can easily compare various credit cards in Hong Kong and determine the best option for your needs.
Air miles, also known as frequent flyer miles, serve as a customer loyalty program for airline passengers. Airlines reward you with points each time fly with them, and you eventually build up enough points that you can redeem for incentives, such as free or discounted tickets or ticket upgrades. Besides, some credit cards also offer Air Miles rewards so that you can accumulate miles based on how much you spend on your credit card.
Why should I earn Air Miles with Credit Card?
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Air miles are one of the common type of credit card rewards. If you're a frequent traveler and use your credit card to book flights and accommodation on a regular basis, you can earn more air miles faster, and exchange these miles for discounted flight tickets and other benefits. If your credit card is co-branded with a specific airline that has a frequent flyer programme such as American Express Cathay Pacific Elite Credit Card and CCB (Asia) Hong Kong Airlines Fly Away Credit Card, you can also choose to have the points you earn converted into air miles.
How do air miles work?
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Every time you make a transaction with an air miles credit card, you will accumulate a certain number of points based on the amount spent. For example, for every HK$5 you spend using your card, you could get 15 points which you can exchange for 1 air mile.
Many credit cards also have welcome offers to entice you to sign up for their cards. A sign-up reward may come in the form of 20,000 free miles that you'll receive when your card application is approved. For example, Standard Chartered Asia Miles MasterCard and BEA Flyer World MasterCard reward customers with Asia Miles upon spending a specified amount with their credit card.
When you accumulate enough miles, you can redeem them the next time you buy flight tickets. If you're lucky enough to receive 20,000 free miles as a welcome bonus, you're already more than halfway towards earning a return flight from Hong Kong to Tokyo.
How to redeem Air Miles?
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When you've collected enough reward points on your card, you can exchange these for air miles and redeem them over-the-counter, over the phone, through online banking, or any other method specified by the credit card provider. Banks and airlines have different air mile conversion rates depending on the type of credit card.
When redeeming points, remember that the number of air miles you accumulate doesn't equate to the number of actual miles you will fly if booking airline tickets. For example you might need to collect up to 15,000 air miles in order to be able to redeem a complimentary one-way economy class ticket, as opposed to 100,000 airline miles needed to obtain a one-way business class ticket on the same flight.
You can also use your air miles to upgrade from economy to business class, or business to first class. This can cost around 50,000 air miles or more, depending on the seat class that you want to upgrade to, and the airline offering the flight.
Redeeming points for a companion is also possible at a discounted rate. For example, your business class ticket can cost around 120,000 air miles, but if you buy another business class ticket for a companion, you can exchange it for only 75,000 air miles.
Air miles aren't just for air miles. You can also redeem accumulated points for specific gift items, free entry to events, discounted set menus at select restaurants and other rewards. Such redemption depend on the air miles reward program affiliated with that specific credit card.
What kinds of transactions are eligible for air miles rewards?
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You can earn air miles on the credit card only if you make "eligible purchases", which every card issuers and even credit cards have different definitions. Some credit cards only count local and overseas retail purchases as"eligible purchases". Other spendings, like instalment amount, internet banking bill payment service, autopay service and Octopus automatic add-value service, are excluded. Please read and understand your credit card?s terms and conditions to earn more air miles rewards.
Which airline air miles programs are available?
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Asia Miles are the most popular air miles program available in Hong Kong. Most cards have a partnership with Asia Miles so they earn air miles for this program for every purchase made with their cards.
Another air miles program common in Hong Kong is Japan Airline's ANA Miles. While it may come off as expensive, it has great value for group or family travels.
Other air miles programs include KrisFlyer, Avios, and United Airlines' MileagePlus.
Do I have to pay when I convert my credit card points to Air Miles?
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Some credit cards will directly convert your spending to Air Miles without any extra fees and procedure (e.g. Standard Chartered Asia Miles MasterCard), while some other cards would require customers to exchange for Air Miles with the credit card points earned, and handling fee may apply. Normally each time the bank will charge HK$50 - HK$300, depending on the amount of Air Miles exchanged.
Do award tickets include taxes and fees?
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All taxes and fees are not included. You are required to pay for the applicable departure taxes, other airport or government handling fees, fuel surcharges, security and insurance charges and any other fees charged by any authorized entity. These charges will be deducted from your credit card when they issue your award ticket.
How long are air miles valid for?
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Asia Miles are valid for 3 years from the month the mileage is credited.
How do I choose the best Air Miles credit card?
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Apart from comparing the welcome offers and air miles rewards, you also need to look at annual fees, APRs, penalty policies, and terms & conditions of the related rewards. With an advanced credit card comparison tool like MoneyHero.com.hk, this task has been made much easier for consumers like you. With just a few clicks of a button, you can easily compare different credit cards in Hong Kong and see which one is most suitable for your needs.
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