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.
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HSBC EveryMile Credit Card Highlights

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
3 Offers Available
Enjoy every HK$2 spent = 1 mile
Exclusive Travel Rewards
Enjoy every HK$2 spent = 1 mile Enjoy every HK$2 spent = 1 mile
  • 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)
【Limited-time Extra Welcome Offer】Up to HK$2,450 in RewardCash
【Limited-time Extra Welcome Offer】Enter “HEROFLASH” Promo Code To Earn Up To HK$2,450 in RewardCash
【Limited-time Extra Welcome Offer】Up to HK$2,450 in RewardCash

From 13 July 2026 to 31 July 2026, successfully apply for a designated HSBC Credit Card online and enter “HEROFLASH” promo code to earn up to HK$2,450 in RewardCash as a boosted welcome offer.

This offer is available to both new and existing credit card customers, get your card now and unlock this flash promotion! 

New Credit Card Customers

  • Enjoy a total of up to HK$2,450 RewardCash:
    • Limited-Time Online Bonus: HK$1,000 RewardCash
    • Base Welcome Offer: HK$1,250 RewardCash
    • Cash Instalment Plan Offer: HK$200 RewardCash

Existing Credit Card Customers

  • Enjoy a total of up to HK$700 RewardCash:
    • Limited-Time Online Bonus: HK$500 RewardCash
    • Base Welcome Offer: HK$200 RewardCash

Limited-Time Online Offer Details

  1. Apply for a designated HSBC Credit Card online and enter the specified promo code during application.
  2. Within 60 days of card issuance, meet the required spending amount, including at least one mobile payment or QR code transaction.
$50 RewardCash
HSBC Limited-Time Welcome Lucky Draw Up to 1,000,000 Miles
$50 RewardCash

From June 1 to July 31, 2026, successfully apply for a card online and accumulate a minimum spending of HKD/RMB 500 within the first 60 calendar days from the card issuance date to enter the lucky draw!

Winner of the lucky draw can get ONE of the prizes below:
🎁 Guaranteed Prize: $50 RewardCash; or
🎁 Grand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners) – sufficient to redeem 5 round-trip business class tickets between HK and Europe# or enjoy Fine Dining month after month all year round^!

New Credit Card Customer will be entitled to FIVE lucky draw chances; Existing Credit Card Customers will be entitled to ONE lucky draw chance.

 

*Up to 1,000,000 miles (or $50,000 RewardCash) is the lucky draw prize and the redemption rate is as follows: Eligible HSBC EveryMile Credit Card holder could redeem 1,000,000 miles with $50,000 RewardCash; other eligible card holder could redeem 500,000 miles with $50,000 RewardCash.

$50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners)
HSBC Limited-Time Welcome Lucky Draw Up to 1,000,000 Miles
$50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners)

From June 1 to July 31, 2026, successfully apply for a card online and accumulate a minimum spending of HKD/RMB 500 within the first 60 calendar days from the card issuance date to enter the lucky draw!

Winner of the lucky draw can get ONE of the prizes below:
🎁 Guaranteed Prize: $50 RewardCash; or
🎁 Grand Prize: $50,000 RewardCash (or up to 1,000,000 miles*) (24 Winners) – sufficient to redeem 5 round-trip business class tickets between HK and Europe# or enjoy Fine Dining month after month all year round^!

New Credit Card Customer will be entitled to FIVE lucky draw chances; Existing Credit Card Customers will be entitled to ONE lucky draw chance.

 

*Up to 1,000,000 miles (or $50,000 RewardCash) is the lucky draw prize and the redemption rate is as follows: Eligible HSBC EveryMile Credit Card holder could redeem 1,000,000 miles with $50,000 RewardCash; other eligible card holder could redeem 500,000 miles with $50,000 RewardCash.

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

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HSBC EveryMile Credit Card Benefits

Cashback

flight
Cashback Overseas
1  %
location_on
Cashback Local
1  %
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restaurant
Cashback Dining
1  %
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Cashback Petrol
1  %
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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
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Airmiles Retail
$ 5  per mile
restaurant
Airmiles Dining
$ 5  per mile
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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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Complimentary Travel Insurance
Yes
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HSBC EveryMile Credit Card More Info

  • New HSBC Rewards Partners
    Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options: 
    • New Travel Partners
      • Hilton (available for EveryMile Card and HSBC Privé only)
      • Hainan Airlines and China Southern Airlines (available for all credit cards, including EveryMile and HSBC Privé)
    • Redemption Rate
      • Preferential redemption rate for all EveryMile cardholders: 1 RC = 20 miles / hotel points 
  • 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: Klook, Kkday, KMB, Citybus, First Bus, MTR, Starbucks 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
    • 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets, travel companions enjoy 20% discount on entrance fee

  • 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

  • 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)

 

  • 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!

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HSBC EveryMile Credit Card Eligibility

Eligibility

Min. Annual Income
HK$ 240,000
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HSBC EveryMile Credit Card Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 2,000
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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
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HSBC EveryMile Credit Card Others Info

Association

VISA Signature

Tags

HSBC EveryMile Credit Card HSBC EveryMile Credit Card

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