HSBC EveryMile Credit Card

Last Updated: Dec 2023

Min. Annual Income


Local Spending - Cashback Rate

designated everyday spend

Overseas Spending - Cashback Rate

Earn unlimited mile as low as HK$2 = 1 mile (2.5% RewardCash rebate) for year-round designated spending; and HK$5 = 1 mile for other local spending; as low as HK$2 = 1 mile from the exclusive overseas spending offer
Up to 6 complimentary visits to Plaza Premium Airport Lounge in Hong Kong and overseas
Octopus Reload Rebate
Free Travel Insurance
Annual Fee Waiver
Airport Lounge

Great for

  • Welcome Offer

      Red Hot Winter Spending Rewards

      Accumulated eligible transactions^ RewardCash earned
      Reach HK$12,000 5% RewardCash rebate. The offer extends up to $600 RewardCash
      Reach HK$38,000 Extra rewards on top of the above rebate including:
      • Extra $500 RewardCash;
      • Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card
      Up to an extra $1,300 RewardCash

      ^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions

      - Registration needed

      - Eligible cards: all HSBC credit cards including student card

      - The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。

      - If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers

      Total RewardCash RewardCash items

      up to HK$2,500 RewardCash

      up to HK$1,000 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)

    • Get a Welcome Gift of $1,000 RewardCash (eqv. to 20,000 miles) (for New Credit Card Customers) or $500 RewardCash (eqv. to 10,000 miles) (for Exisiting Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance
    • Get an extra $200 RewardCash (eqv. to 4,000 miles) (for New Credit Card Customers) when you 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 to enjoy the offer, a total of up to 1,200 RewardCash (eqv. to 24,000 miles)
  • Agoda Offer

    • From now till 31 December 2023, enjoy up to 15% off your worldwide hotel bookings all year round via the Agoda website by using HSBC EveryMile Credit Card
  • 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

Need to know

  • The Online Welcome Offer Promotional Period starts from 1 September 2023 to 29 February 2024
  • The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023
  • To enjoy up to 15% off on hotel bookings with Agoda, bookings must be made ia designated Agoda website ( ) or by accessing the Agoda mobile app through the designated Agoda website.
  • To borrow or not to borrow? Borrow only if you can repay!

Year-round rewards

Local Spending
Dining Spending
Online Shopping Spending (Local)
Online Shopping Spending (Overseas)
Overseas Spending
Octopus Top Up Spending

Year-round benefits

Complimentary Visits to Airport Lounges


Minimum Age
18 years old
Min. Annual Income


Annual fee
Foreign Currency Transaction Fee


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
Cash Advance APR
Interest Free Repayment Period
56 days

Other information

Credit card type
Visa Signature

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