Ultimate Guide to Hong Kong Airport Lounges 2025

• Suitable for customers who have large amount of overseas/foreign currency spending
• Points will never expire. No service charge for mileage conversion.
• Up to 12 times complimentary access to airport lounges for every calendar year
  • Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
• Free Travel Insurance
  • Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
• Purchase Protection
  • Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase

• First year annual fee waiver

• This MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are 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").
• When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.

• 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.

• 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 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!

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 American Express Travel Online Benefit | American Express Hong Kong
• 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, including Park Hyatt Niseko Hanazono, InterContinental Osaka, Grand Hyatt Seoul, Conrad Seoul and Capella Bangkok
• 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$3,000,000, 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.
  • Promotion details please refer to Global Dining Credit | American Express Hong Kong
• 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.
  • Promotion details please refer to Maxim's Dining | American Express HK
• 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: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
  • The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
  • Promotion details please refer to Cafe Deco | American Express HK
• Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.

Earn Rewards points when you spend with the Card

• 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 240 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 240 Membership Reward points Points = HK$1 Redemption Points
• Foreign Currency Spending - HK$1 spending = 3 Membership Rewards 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

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.

Shopping Protection

• Online Fraud Protection GuaranteeShop online with the Card and you won't be held responsible for any fraudulent charge.
• Return GuaranteeRefund if you are unhappy with the purchase made with the Card.
• Extended WarrantyWhen 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 ProtectionRefund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
• 45 Days CoverAlmost 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.

Reminder

• 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
• Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.

• Free Access of Priority Pass lounges globally
  • Complimentary access to over 1,300 Priority Pass lounges around the world
  • Enjoy discounts on dining, spa and shopping services at over 800 selected merchants

• Points will never expire
  • Local Spending: HK$6 = 12 Points, equivalent to HK$6 = 1 mile
  • Overseas Spending: HK$4 = 12 Points, equivalent to HK$4 = 1 mile
  • Pay annual fee of HK$3,800 every year
  • From the second year onwards, receive 240,000 Points^ every year (equivalent to 20,000 Asia Miles)
    ^Points will be credited to the eligible Principal Cardholder’s account two (2) calendar months after the annual fee has been fully paid.
  • Points can redeem cash rebate, vouchers, gifts and airmiles
• Complimentary 4th night at any hotel when you book a minimum 4-consecutive-night stay including staycation
• Connects to Citi Prestige Concierge hotline or access the Live Chat function on Citi Prestige Digital Concierge via Citi Mobile® App 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.

• Complimentary 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").
• Each Eligible Cardholder is entitled to one welcome offer only.

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 American Express Travel Online Benefit | American Express Hong Kong
• 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, including Park Hyatt Niseko Hanazono, InterContinental Osaka, Grand Hyatt Seoul, Conrad Seoul and Capella Bangkok
• 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$3,000,000, 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.
  • Promotion details please refer to Global Dining Credit | American Express Hong Kong
• 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.
  • Promotion details please refer to Maxim's Dining | American Express HK
• 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: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
  • The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
  • Promotion details please refer to Cafe Deco | American Express HK
• Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.

Earn Rewards points when you spend with the Card

• 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 240 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 240 Membership Reward points Points = HK$1 Redemption Points
• Foreign Currency Spending - HK$1 spending = 3 Membership Rewards 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

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.

Shopping Protection

• Online Fraud Protection GuaranteeShop online with the Card and you won't be held responsible for any fraudulent charge.
• Return GuaranteeRefund if you are unhappy with the purchase made with the Card.
• Extended WarrantyWhen 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 ProtectionRefund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
• 45 Days CoverAlmost 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.

Reminder

• 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
• Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.

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

• 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 2024 and 31 December 2024.
• HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

• 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.

• 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.

• "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.
• Offers are subject to Terms and conditions
• 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