Compare Best Air Miles Credit Cards in Hong Kong

Compare best air miles credit cards in Hong Kong to earn frequent flyer miles, enjoy airport lounges access and all kinds of travel and flight rewards. Read More
We found 25 Credit Cards for you!
Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Miles Conversion (overseas spend)
$3 = 1 Mile
Miles Conversion (local spend)
$8 = 1 Mile

【🔥MoneySmart Exclusive: Up to HK$3,999 Rewards/ Free Cathay Pacific Flights!】
From now until 1 April 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・✈️ Round-trip Air Ticket from Hong Kong to Taipei/ Hanoi on Cathay Pacific, inclusive of 20kg baggage allowance (excluding tax and fuel surcharges) or
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・🆕 PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 01 Apr 2025 - See more details below
Apply Now
The Platinum Card
MoneySmart Exclusive
Family Travel Cover | 0% Cross Border Fee
Miles Conversion (Overseas Spending)
HK$6 = 1 Mile
Discount at designated restaurants
40%
Miles Conversion (Local Spending)
HK$9 = 1 Mile

【Unlock Your Rewards: Premium Gifts of up to HK$5,690 Await】
From now until 3 April 2025, apply for the Platinum Card and fulfil spending of HK$15,000 within the first 2 months, indulge in ONE of the Premium Gifts and Exclusive Vouchers below. Hurry, this limited-time upgrade awaits!
1. LG DD12GMWE0 24L PuriCare™ DUAL Inverter Dehumidifier (Value: HK$5,690) or
2. Bowers & Wilkins Px8 Over-ear Noise-canceling Headphones (Value: HK$5,480) or
3. B&O Beolit 20 Bluetooth Speaker (Value: HK$4,998) or
4. Dyson Airwrap™ multi-styler (Value: HK$4,480) or
5. HK$3,500 Apple Store Gift Card or
6. HK$3,500 PARKnSHOP Supermarket Voucher
⠀⠀
Terms & Conditions Apply.

Valid until 31 Mar 2025 - See more details below
Apply Now
HSBC EveryMile Credit Card
Local and oversea spending
As low as HK$2 = 1 Mile
Minimum Annual Income
HK$240,000
Welcome Offer
Up to $1,000 RewardCash
Apply Now
Standard Chartered Cathay Mastercard
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2 = 1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
40,000 miles

【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 March 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・🆕 SONY ULT FIELD 1 Wireless Portable Speaker (Value: HK$999)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 31 Mar 2025 - See more details below
Apply Now
Mox Credit Card (Miles)
MoneySmart Exclusive
Limited Offer|Best-in-town Asia Miles rewards
Miles Conversion
HKD4 = 1 mile
Foreign transaction fee waived
1.95%
MoneySmart exclusive welcome offer
68,500里數+HKD200現金券

March Limited Offer : Get an extra HKD 200 voucher just for you💵
🛩 New customers can use the invitation code "4100MSTFS" to enjoy up to 25,000 miles (redeemable for a round-trip ticket to Japan 🇯🇵). During the promotional period, spend a specified amount to receive an additional 12,500 miles 🛩. By making a 12-month fixed deposit, you can earn up to 68,500 miles all at once!
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Additionally, MoneySmart will reward you an exclusive HKD200 Apple Store gift card / ParknShop cash voucher / Trip.com electronic voucher by successfully opening an account with the promo code '4100MSTFS' and spending a minimum of HKD 15,000. Total value over HKD8,582💰

Terms and conditions apply.
📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

Valid until 31 Mar 2025 - See more details below
Apply Now
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
Min. Annual Salary
HK$300,000
Miles Conversion (Eligible Local Transaction)*
HK$3 = 1 Mile
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
🚀  Mega Miles Welcome Offer: 72,000 Miles with Enhanced Spending!】
From now on until 31 March 2025, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 144,000 American Express Membership Rewards points (eqv. to 8,000 miles) upon the qualified spending of HK$7,000 within the first 3 months.
🌟Spend HK$7,000, Earn 8,000 miles - just HK$0,875/ mile!

Ready to Fly Further for Less? Supercharged earning rates:
During the welcome period, earn HK$3=1 mile on eligible local transactions, up to 1,152,000 Points, enough to redeem for 64,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!
Valid until 31 Mar 2025 - See more details below
Apply Now
HSBC Visa Signature Card
Min. Annual Salary
HK$240,000
RewardCash Rebate
Up to3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile
Apply Now
HSBC Red Credit Card
MoneySmart Exclusive
Min. Annual Salary
HK$120,000
Miles Conversion (online spend)
HK$2.5=1 Mile
Cash back on Supermarket purchases
2%

【MoneySmart Exclusive Offer】
By March 31, 2025, apply for the HSBC Red Credit Card through MoneySmart successfully and submit the rewards redemption form, you can earn HK$300 Apple Store Gift Card / HK$300 PARKnSHOP supermarket voucher.
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From now until 16 March 2025, New Credit Card Customers who successfully apply for an eligible HSBC Credit Card can participate in the lucky draw of 'FWD Insurance Presents: Jay Chou The Carnival World Tour 2025 Hong Kong’.Terms and Conditions Apply.

Valid until 31 Mar 2025 - See more details below
Apply Now
American Express® Platinum Credit Card
MoneySmart Exclusive
Up to 50% savings at designated restaurants
Min. Annual Salary
HK$300,000
Miles Conversion (overseas spend)
$6 = 1 Mile
Miles Conversion (local spend)
$6 = 1 Mile
【📣 Upgraded Welcome Offer: Valued up to HK$2,960 upon card approval!】
Apply via MoneySmart by 31 March 2025 to earn 4 complimentary movie tickets. An aggregate spend of HK$5,000 within the first 3 months grants you another HK$500 city'super voucher! Don't miss out on the chance to earn rewards up to HK$2,960! 
Valid until 31 Mar 2025 - See more details below
Apply Now
DBS Black World Mastercard
MoneySmart Exclusive
Redeem various mileage points without any fee
Welcome Offer
Up to 32,000 miles
Upon meeting overseas spending goal*
HK$2/ mile
Octopus Card AAVS Rebate
2,000 miles

【⚡️Unleash Your Wanderlust: HK$500 vouchers & Awesome Extras Await!】
From now until 31 March 2025, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy 5,000 SmartPoints!
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With 5,000 SmartPoints can fully redeem HK$500 cash vouchers (over 20+ brand vouchers including Apple, PARKnSHOP, Klook etc) or Smasung Galaxy Fit (Value: HK$498) or JBL Clip 4 Ultra-portable Waterproof Speaker (Value:HK$499). If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Click here to explore limitless possibilities at our Rewards Store! Including bank welcome offer, you can enjoy up to HK$500 rewards and up to 30,000 miles!
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【📣 BREAKING: 2025 Rewards Upgrade!】 DBS lowered the spending threshold to HK$20,000 monthly (vs HK$80,000 quarterly in 2024), making it EASIER THAN EVER to earn miles on your overseas spending!

Valid until 31 Mar 2025 - See more details below
Apply Now
Standard Chartered Cathay Mastercard - Priority Banking
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
100,000 miles

【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 March 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・🆕 SONY ULT FIELD 1 Wireless Portable Speaker (Value: HK$999)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 31 Mar 2025 - See more details below
Apply Now
Citi Rewards UnionPay Card
MoneySmart Exclusive
1% Points Rebate for all local Mobile Payments
Minimum Income Requirements
HK$120,000
Cashback on shopping & entertainment transactions
8.1X points
Miles Conversion (local spend)
As low as $1.85 = 1 Mile

【🔥MoneySmart Exclusive: Up to HK$3,999 Rewards/ Free Cathay Pacific Flights!】
From now until 1 April 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・✈️ Round-trip Air Ticket from Hong Kong to Taipei/ Hanoi on Cathay Pacific, inclusive of 20kg baggage allowance (excluding tax and fuel surcharges) or
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・🆕 PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・GHD PLATINUM+ Styler (Value: HK$2,295)!

Valid until 01 Apr 2025 - See more details below
Apply Now
Standard Chartered Cathay Mastercard - Priority Private
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
120,000 miles

【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 March 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・🆕 SONY ULT FIELD 1 Wireless Portable Speaker (Value: HK$999)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 31 Mar 2025 - See more details below
Apply Now
HSBC Visa Gold Card
Min. Annual Salary
HK$60,000
Cash back on local spend
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Apply Now
HSBC Visa Platinum Card
Min. Annual Salary
HK$120,000
Cash back on local spend
Up to 2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Apply Now
HSBC UnionPay Dual Currency Credit Card
Min. Annual Salary
HK$60,000
Miles Conversion (overseas spend)
HK$2.27 = 1 Mile
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Apply Now
Citi Prestige Card
Minimum Income Requirements
HK$600,000
Miles Conversion (overseas spend)
$4 = 1 Mile
Miles Conversion (local spend)
$6 = 1 Mile
Read More
Airwallex Borderless Card
MoneySmart Exclusive
Save on advertising expenses
Welcome offer
HK$NaN
Annual Principal Fee
N/A
Supported Currencies
130+
【⚡️MoneySmart March Exclusive - Earn up to 10,000 MILES!】
Pay anytime, anywhere! Create corporate cards for your business in minutes after successful account opening, earning 5,000 Asia miles. Plus, extra 5,000 Asia miles after the first transaction with your corporate card (min. HK$240) within the first 30 days!

Collet payments in 130+ currencies and payout to over 150 countries. And earn unlimited 1% cash rebate on your overseas and local spending! 
Valid until 31 Mar 2025 - See more details below
Apply Now
AEON Card JAL
Min. Annual Salary
HK$0
Miles Conversion (Local Dining & Japan Spending)
HK$6 = 1 JMB mile
Selected merchants discount
5%
Read More
HSBC Visa Gold Card for Students
MoneySmart Exclusive
Up to $300 RewardCash welcome offer
RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
RewardCash
$300

【MoneySmart Exclusive Offer】
By March 26, 2025, apply for the Visa Gold Card for Students through MoneySmart successfully and submit the rewards redemption form, you can earn HK$300 Apple Store Gift Card / HK$300 PARKnSHOP supermarket voucher.
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Up to $300 RewardCash when you successfully apply for an HSBC Visa Gold Card for Students. Earn up to $400 RewardCash when you pay your tuition fee via HSBC online channels with the card.

Valid until 26 Mar 2025 - See more details below
Apply NowApply directly on MoneySmart

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What Are Air Miles?

Airline miles are loyalty programs offered by airlines, allowing passengers to earn points for redeeming air tickets, seat upgrades, and more. Among various ways to accumulate miles, credit card spending is a popular method. Not all airlines share a universal mileage program. In Hong Kong, the three main programs are Asia Miles, British Airways (Avios), and All Nippon Airways (ANA). Asia Miles and Avios, both part of the Oneworld alliance, enable point redemption across the same partner airlines, while ANA operates under a distinct system.

Best Air Miles Credit Cards Hong Kong 2025

Air Miles Credit Cards Mileage Conversion Best for
Standard Chartered Cathay MastercardAs low as HK$2/mile Frequent CX/HK Express flyers and heavy spenders on overseas and dining
Citi PremierMiles CardAs low as HK$3/mileFrequent overseas spenders who want free travel insurances
DBS Black World MastercardAs low as HK$4/mileOverseas spending and Avios earning
American Express The Platinum CardAs low as HK$6/mileFrequent overseas spenders who want free hotel memberships and travel insurance
AE Explorer Credit CardAs low as HK$1.68/mileOverseas spending
HSBC EveryMile Credit CardAs low as HK$2/mIleFrequent overseas spenders who want free airport lounge access
Mox Credit Card (Miles)As low as HK$4/mile with no rebate capFrequent overseas spenders and Asia Miles collectors seeking a daily spending card

Popular Rewards Program for Air Miles Credit Cards

Besides your spending habits, the type of air miles should be other criteria you consider while comparing air miles credit cards. Among all of the air miles programs, you need to pick one that best fits your travel and flying habits. If you take a certain airline very often, such as Cathay Pacific, you may want to pick an air miles program such as Asia Miles. Here are the most popular air miles programs in Hong Kong:

Asia Miles

Asia Miles allows you to redeem flight tickets from a diverse range of airlines, including Cathay Pacific and Qatar. You can redeem travel, entertainment, lifestyle, and other rewards with your air miles credit cards.

Avios

Avios in British Airways Executive Club is cheaper than Asia Miles when redeeming short flights. Plus, they offer a household accounts program, allowing you to earn Avios with your family members.

All Nippon Airways (ANA) Mileage Club

ANA’s mileage program lets you redeem flight tickets under Star Alliance. The strengths of All Nippon Airways (ANA) program are that they require fewer miles for flights to Japan and offer you a household account.

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What is the Best Credit Card for Air Miles?

Asia Miles

Avios

ANA Mileage Club

Dah Sing ANA World Mastercard: HK$8 = 1 mile on local and overseas transactions

Most Popular Miles Credit Cards Providers in Hong Kong

American Express Asia Miles

Most Popular American Express Miles Credit Cards

  • American Express Explorer Credit Card: As low as HK$1.68 = 1 mile for overseas and designated merchant spending
  • American Express Platinum Credit Card: HK$6 = 1 mile for local spending
  • The Platinum Card: HK$4.5 = 1 mile for foreign currency spending

American Express Mileage Redemption & Perks

  • An administration fee of HK$400 applies for each air mile conversion, except for the American Express Explorer card
  • Conversion rate: 18,000 points = 1,000 miles

Standard Chartered Asia Miles

Most Popular Standard Chartered Miles Credit Cards

  • Standard Chartered Cathay Mastercard: HK$4 = 1 Asia Mile for eligible dining, online and overseas spending
  • Enjoy exclusive HK$4 = 2 Asia Miles at Cathay partner restaurants

Standard Chartered Mileage Redemption & Perks

  • Miles will be automatically credited to your Asia Miles account
  • 10% redemption discount for Hotel Stays, Car Rentals and Travel Experience Awards
  • 10% off Mileage Renewal fee,
  • Mileage Transfer fee and purchase of Asia Miles Gift Miles

Citibank Asia Miles

Most Popular Citibank Miles Credit Cards

  • Citi PremierMiles Card: As low as HK$3 = 1 mile for overseas spending
  • Citi Rewards Card: As low as HK$1.85 = 1 mile for shopping and entertainment spending

Citibank Mileage Redemption & Perks

  • Citibank credit card points can be redeemed to miles from 11 frequent flyer programs including Asia Miles and Avios
  • Conversion rate:
    • Citi Rewards Card: 15 points = 1 mile
    • Citi PremierMiles Card: 12 points = 1 mile
  • The minimum conversion amount is 18,000 points (equivalent to 1,200 Asia Miles) each time and each transfer must be made in multiples of 18,000

How to Redeem Air Miles?

Credit Card Air Miles Welcome Offer

New cardholders who meet a specific spending requirement within a short timeframe can always earn significant air miles. For example, the Standard Chartered Cathay Pacific Mastercard offers up to 60,000 or 61,250 miles, making it perfect for substantial purchases like wedding banquets or major travel expenses, providing an efficient way to accumulate miles quickly.

Partner Merchants

Cardholders can effortlessly earn Asia Miles in daily life by dining at over 300 partner restaurants or booking stays at hotels such as Hilton, Langham, or Rakuten through sites like Agoda or Expedia. Shopping via Asia Miles iShop doubles your miles, featuring popular merchants like ASOS, Harrods, Amazon, and Microsoft, spanning categories like electronics, travel gear, and toys for versatile earning opportunities.

Paying Water, Electricity, and Gas Bills

Using credit card auto-debit to pay utility bills earns miles, though electricity and gas providers restrict this to select cards. The East Asia Flyer World Mastercard stands out with a top rate of HK$5 = 1 mile, offering great value. Unfortunately, water bills don’t qualify for auto-debit payments, limiting options for earning miles on this essential expense.

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How to earn and redeem Asia Miles

  1. You need to first sign up as Asia Miles members. You can do so through their website or apps. Marco Polo Club members are automatically enrolled as Asia Miles members, with the same membership number.
  2. Then you can start earning your Asia Miles from your everyday spending.
  3. You can join programs (Join Amex Turbo Programme to earn double points for every HK$1 spending) / spend on specific category/ spend on the designated day (enjoy HK$1 = 1 Asia Mile on Mondays with Asia Miles partner restaurants) to earn miles faster.
  4. Finally, you can start redeeming your Asia Miles. But it’s worth finding out the minimum amount of Asia Miles cardholders are required to redeem each time and the conversion fee.

Things to Know Before Converting Air Miles

Air Mile Converting Fee

A handling fee of HK$100-300 is usually charged for each mileage conversion. Some airline or frequent-flyer co-branded credit cards such as BEA Flyer World Mastercard and Citi PremierMiles Card offer a handling fee waiver.

Processing Time

Please allow enough time for mileage credits to be credited to the Member’s account. It may take between 4-6 weeks for the credits to be reflected in your account balance.

Taxes

The ticket prices under miles redemption programs exclude taxes and other fees such as the Air Passenger Departure Tax, the Passenger Security Charge, terminal building charges, and the Airport Construction Fee. The final price of a redeemed flight ticket will be adjusted based on your travel destination, which will be deducted from your credit card. Please note that different amount of air miles will be charged depending upon the seasons by air miles programs (e.g. Avios and ANA).

Frequently Asked Questions

What are the best asia miles credit cards?

Standard Chartered Cathay Mastercard (HK$2 = 1 mile on Cathay and HK Express spending) and Citi PremierMiles Card (As low as HK$3 = 1 mile on overseas spending) are popular Asia Miles credit cards choices.

Are airline miles credit cards worth it?

Yes—if you're a frequent flyer who regularly uses credit cards. You'll earn miles through your normal spending, which you can later redeem for free flights. However, if you're a lower spender, credit cards offering cash back or points might be more valuable than airline miles cards.

What is the most accessible airline credit card to get approved for?

The Standard Chartered Asia Miles Credit Card has the lowest application requirements, with just HK$96,000 annual income needed. It features automatic mileage conversion without fees and offers an attractive rate of 1 Asia Mile for every HK$4 spent on dining, online shopping, and overseas purchases. However, keep in mind this card is exclusively for earning Asia Miles.

How do I redeem air miles for flights?

You will need to transfer the points you earned to air miles via internet banking first, in order to do so, you must be a member of one of the participating frequent flyer programs. After that you will be able to search and redeem for rewards fights with different destinations, date or classes, for partner airlines that can't be redeemed online, you may call the service hotline or submit a request form to make a redemption.

How many miles do you need for a free flight?

The number of miles needed for a free return ticket varies by destination and travel season. Different mileage programs have different requirements, so check the redemption charts to see how many miles you need. Using Asia Miles as an example for popular destinations: Hong Kong to Taiwan return flights need at least 15,000 miles, Tokyo return trips require 25,000 miles, and Paris return trips cost around 54,000 miles.

How long do my air miles stay valid?

Airline or air miles co-branded credit cards will automatically transfer the earned miles into your air miles account. For other credit cards, you need to transfer reward points into air miles yourself via e-banking or by calling the customer service hotline. Some credit cards may set an expiry date for reward points from 1-5 years (usually 2-3 years). But there are a few credit cards that have no expiry date on the points, such as DBS Black World Mastercard and American Express credit cards, giving you more time on earning points for flight tickets.

Air miles have their own expiry date as well. For Asia Miles, redeemed miles in the account will no longer expire from 1 January 2020, as long as you earn or use the miles at least once every 18 months. Avios has a similar rule which expires after 36 months in an account with no activity.

Is there anything I need to know while converting flight tickets with air miles?

The prices of flight tickets under miles redemption programs don’t include taxes and other fees, including the Air Passenger Departure Tax, the Passenger Security Charge, terminal building charges, and the Airport Construction Fee. The final price of a redeemed flight ticket will be adjusted based on your travel destination. The relevant extra costs will be deducted from your credit card. Note that some air miles programs (e.g. Avios and ANA) will set flight ticket prices based on seasons and charge you different amounts of air miles.

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