HSBC EveryMile Credit Card

HSBC EveryMile Credit Card

The HSBC EveryMile Credit Card offers a first-year annual fee waiver and six complimentary global airport lounge accesses annually. For specified spending at HK$2 per mile, such as fuel, coffee purchases, and streaming platforms, there's a fee-free conversion to 12 different airline mileage programs. Additionally, cardholders can enjoy free travel insurance when booking journeys with this card.
Complimentary Travel Insurance
Yes
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Airport Lounge Access
6  times
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Airmiles Overseas
$ 5  per mile
Airmiles Local
$ 5  per mile
5 Offers Available
Existing Credit Card Customer : HK$200 Apple Store Gift Card
【MoneyHero Exclusive Upgrade Offer】(for Existing Customers)
Existing Credit Card Customer : HK$200 Apple Store Gift Card Existing Credit Card Customer : HK$200 Apple Store Gift Card

+ 5 other gift options

From 17 November 2025 10a.m. till 21 November 2025 11.59 p.m.,

  • Existing Credit Card cardholders* who successfully apply for HSBC EveryMile Credit Card via MoneyHero are entitled to HK$200 Apple Store Gift Card OR HK$200 Wellcome Shopping Voucher OR 5000 Max Miles (air miles) OR Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980, random colour) OR Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499; random color) OR Insta360 Flow 2 AI Tracker Kit (valued at HK$819).

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.
  • By 31 December 2025: The card must be successfully approved, subject to the Bank’s system records. 
  • Tips:
    • Within 7 days after the credit card is successfully approved: Submit the reward redemption form sent via email previously. Please fill in the form with accurate Reference Number. Application Reference Number - 12-digit number (for example 202430875089) and upload the relevant approval proof for verification of the applicant's reward eligibility.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • 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, The Hongkong and Shanghai Banking Corporation Limited has no relation with its redemption, usage and dispute.
    • Terms and Conditions Apply.
    • The redemption process may take at least 8 weeks upon campaign period ends, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward.

*"Existing Credit Card Customers" refer to customers with any approved personal primary credit card issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns) when processing the application for an Eligible Credit Card.

  

To borrow or not to borrow? Borrow only if you can repay! This information and offers are intended for persons in HK.

New Credit Card Customer : HK$1,000 Apple Store Gift Card
【MoneyHero Exclusive Upgrade Offer】(for New Customers)
New Credit Card Customer : HK$1,000 Apple Store Gift Card New Credit Card Customer : HK$1,000 Apple Store Gift Card

+ 6 other gift options

From 17 November 2025 10a.m. till 21 November 2025 11.59 p.m.,

  • New Credit Card cardholders* who successfully apply for HSBC EveryMile Credit Card via MoneyHero are entitled to HK$800 Apple Store Gift Card OR HK$800 Wellcome Shopping Voucher OR Delsey 30" GRENELLE SE Expandable Front Opening Suitcase (valued at HK$4,980, random colour) OR NESCAFÉ® Dolce Gusto® Genio S Plus with 6 boxes coffee capsules (valued at HK$1,780) OR Marshall Emberton Bluetooth Speaker (valued at HK$1,499).

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.
  • By 31 December 2025: The card must be successfully approved, subject to the Bank’s system records. 
  • Tips:
    • Within 7 days after the credit card is successfully approved: Submit the reward redemption form sent via email previously. Please fill in the form with accurate Reference Number. Application Reference Number - 12-digit number (for example 202430875089) and upload the relevant approval proof for verification of the applicant's reward eligibility.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • 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, The Hongkong and Shanghai Banking Corporation Limited has no relation with its redemption, usage and dispute.
    • Terms and Conditions Apply.
    • The redemption process may take at least 8 weeks upon campaign period ends, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward.

* "New Credit Card Customers" refer to customers without any approved personal primary credit card issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns) when processing the application for an Eligible Credit Card.

 

To borrow or not to borrow? Borrow only if you can repay! This information and offers are intended for persons in HK.

Enjoy every HK$2 spent = 1 mile
Exclusive Travel Rewards
Enjoy every HK$2 spent = 1 mile

+ 1 other gift options

  • Earn miles on designated everyday and travel spends. Every HK$2 spent is worth 1 mile (at selected cafés & light meals, local transportation, cross-border transportation and travel services)
  • Up to 10% off on bookings at Trip.com: Enjoy 10% off worldwide hotel booking, 3% off flight ticket purchases and 2% off bundled flight and hotel bookings through Trip.com.
New credit card customers can receive $800 RewardCash
HSBC Welcome Offer
New credit card customers can receive $800 RewardCash

+ 1 other gift options

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
Enjoy every HK$2 spent = 1 mile
HSBC EveryMile Credit Card Time-limited bonus offer - Travel Smarter, Earn More
Enjoy every HK$2 spent = 1 mile
  • From 1 September to 30 November 2025, enjoy overseas spending offer with an HSBC EveryMile Credit Card
    • Enjoy a preferential mile conversion rate as low as every HK$2 spent = 1 mile with an Eligible Credit Card to make Eligible Overseas Transactions with a total Net Spending Amount of HK$12,000 or above

Things to consider

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Hotel bookings offer

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Airport lounge

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Travel agency offer

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Travel insurance

Cashback

flight
Cashback Overseas
1  %
location_on
Cashback Local
1  %
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restaurant
Cashback Dining
1  %
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local_gas_station
Cashback Petrol
1  %
shopping_bag
Cashback Local Online Shopping
1  %
shopping_bag
Cashback Overseas Online Shopping
1  %
Cashback Octopus Top Up Spending
1  %

Airmiles

location_on
Airmiles Local
$ 5  per mile
flight
Airmiles Overseas
$ 5  per mile
sell
Airmiles Retail
$ 5  per mile
restaurant
Airmiles Dining
$ 5  per mile
info
shopping_bag
Airmiles Local Online Shopping
$ 5  per mile
shopping_bag
Airmiles Overseas Online Shopping
$ 5  per mile
local_gas_station
Airmiles Petrol
$ 2  per mile
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Airmiles Octopus Top Up Spending
$ 12.5  per mile

Additional benefits

airlines
Airport Lounge Access
6  times
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carry_on_bag_checked
Complimentary Travel Insurance
Yes
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  • 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

    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.
  • Lounge Access
    • Jan - Dec 2025: 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets
      • Customers are required to spend HK$4,000 or above within 60 days after access to the lounge/ enjoy the meal
      • If not the spending target cannot be fulfilled, customers will be charged with HK$250
      • Terms and Conditions apply
  • Insurance and concierge benefits

    • Protect yourself and accompanying family members with our complimentary multi-trip travel insurance, which also covers baggage and personal effects and trip cancellation. T&Cs apply
  • Visa concierge services

  • Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).
  • Earn miles on designated everyday and travel spends. Every HK$2 spent is worth 1 mile(at selected cafés & light meals, local transportation, cross-border transportation and travel services)—see our full merchant list (PDF)
  • Up to 10% off on bookings at Trip.com: Enjoy 10% off worldwide hotel booking, 3% off flight ticket purchases and 2% off bundled flight and hotel bookings through Trip.com. T&C applies
  • Flexible RewardCash conversion
    • Use the Reward+ App to convert your RewardCash at a preferential rate to miles or points across over 15 frequent flyer and hotel loyalty programmes, or redeem free tickets from over 110 airlines—the widest flight redemption coverage in Hong Kong. See our list of partners

Other things to note

  • 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 borrow or not to borrow? Borrow only if you can repay!

Eligibility

Min. Annual Income
HK$ 240,000

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 2,000
info
Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any) (the minimum amount of Minimum Payment is HK$50).
Late Payment Charge
Minimum Payment Due or HK$230, whichever is lower
Retail Purchase APR
35.42  %
Cash Advance APR
35.42  %
Interest Free Period
56  days

Association

VISA Signature

Tags

HSBC EveryMile Credit Card HSBC EveryMile Credit Card