3.Cardholder can redeem 1 Asia Miles/ KrisFlyer/ British Airways Executive Club/ Enrich/ Etihad Guest/ Garuda Frequent Flyer mile (12 Points) for every HK$6 local spending/ HK$4 overseas spending, OR 1 Royal Orchid Plus/ Skymiles mile (13 Points) for every HK$6.5 local spending/ HK$4.4 overseas spending, OR 1 Infinity Mileagelands mile (18 Points) for every HK$9 local spending/ HK$6 overseas spending. Overseas spending is defined as transactions made outside of Hong Kong (excluding Mainland China and Macau) or internet transactions, in which the transaction is settled in foreign currency.