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Credit card Asia Miles earning opportunities (HK) 2017

Credit card Asia Miles earning opportunities (HK) 2017

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Old Dec 12, 17, 1:05 pm   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: percysmith
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Continued from 2016 discussion: 2016 Credit Card Earning discussion
Churning and Welcome Offers: Credit Card Asiamiles Churning and Welcome Offers discussion (HK) - continuously upda

For time required to transfer miles from banks, please see here.
On-going offers

Beginner's recommendation (rates quoted before other short term promotions):
(Just one for now) BEA Flyer World Master - 1 mile per $5 for local purchases / overseas purchases; 1 mile per $8 for Octopus AAVS / Bill Payment (Excluding the following categories: Education, Insurance and Tax) (no fee)

Credit Cards that are by Invitation Only or Applied in lieu with an Account:

1. WLB Luxe Visa Infinite - 1 mile per $2.4 for overseas airline / travel / hotel / dining; $4/mile on local airline / travel / hotel / dining ($50/5,000 miles min $50 max $500) (Need to be Wing Lung Private Banking customers)
2. BoC Wealth Management Visa Infinite - 1 mile per $15 for local / overseas / octopus AAVS / bill payment, 1 mile per $5 for overseas spending / local dining, 1 mile per $2.5 for overseas spending / local dining if that month's accumulated spending is over $15000 ($50/5,000 miles min $100 max $300) (Need to be BoC Wealth Management (中銀理財) customer)
3. HSBC Premier World Master for 6X (select one category only below, 1 mile per $4.16. Under this promotion, cap at $100,000), and all other seasonal promotions. ($300 fee for a year's worth of redemption) [to 31 Dec 2017] (Need to be HSBC Premier customer)
4. BoC Enrich World MC - 1 mile per $15 for local / overseas / octopus AAVS / bill payment, 1 mile per $3 for dining/dept store if that month's accumulated spending is over $15000 ($50/5,000 miles min $100 max $300) (Need to be BoC Enrich (智盈理財) customer)
5. HSBC Advance Platinum Visa for 6X (select one category only below, 1 mile per $4.16. Under this promotion, cap at $100,000), and all other seasonal promotions. ($300 fee for a year's worth of redemption) [to 31 Dec 2017] (Need to be HSBC Advance customer)
5. Citibank Ultima card - 1 mile per $4 for local / overseas / octopus (no redemption fee, $23,800 non-waivable annual fee) (Need to be Citigold Private Client customer AND by Invitation only)
6. SCB Priority Banking Visa Infinite - $7.5 per mile for local spending ($15 per mile for Insurance Spending (NOT BILL PAYMENT)) and Octopus, $5 per mile overseas spending ($300 flat redemption fee) (Need to be SCB Priority Banking customer) Note 2
7. BEA Supreme Gold World Master - 1 mile per $5 for local /overseas / Octopus / Bill Payment (Excluding the following categories: Education, Insurance and Tax) (no fee) (Need to be BEA Supreme Gold (顯卓理財) customer) Note 3
8. Shacom World Master - 1 mile per $8 local purchases / overseas / octopus ($10 per 1,000AM min $100 max $500) (Need to be Shacom SMART Banking (慧通理財) customer)
9. CCB HK Visa Infinite - 1 mile per $8 spent for Local Spending / Overseas Spending / Octopus / Bill payment ($50 per 5,000 miles AM min $100) (Need to be CCB Premier Banking (貴賓理財) / Premier Select (貴賓晉裕) customer)

Full list:

I. Overseas
1. BOC Travel Rewards Visa Signature Card - 8% rebate for each transaction >$500 overseas spending (max $500 per month) (requirement: 1. overseas transaction for that month (any amount per transaction) > $6,000; 2. three times local spending (any amount)) plus 1 mile per $15
2. BoC Wealth Management Visa Infinite - 1 mile per $2.5 for overseas spending / local dining if that month's accumulated spending is over $15000 ($50/5,000 miles min $100 max $300) (Need to be BoC Wealth Management (中銀理財) customer)
3. [to 31 Dec 2018] HSBC (excluding amounts billed in HK and PRC) - 1 mile / $2.78 (HSBC Visa Signature) / $4.16 (other HSBC Credit Cards INCLUDING HSBC Premier World Master) spent (select Overseas Spending category ONLY) / $6.25 (HSBC Visa Signature) spent (NOT select Overseas Spending category) ($300 fee for a year's worth of redemptions)** ++
4. (if ONLINE / PAYWAVE) CCB HK eye Card - 1 mile / $2.14 (inclusive of 5X online bonus, cap at $50,000 per calender year and (2X extra overseas bonus, cap at $75000 per membership year ) ($50 per 5,000 miles min $100)
5. Citibank Premiermiles (>=$20K per billing cycle) (excluding RMB and MOP) - 1 mile per $3 spent (no redemption fee)** ++ ^
6. [to 31 Dec 2017] DBS Eminent (excluding MOP) - 1 mile per $3.6 spent ($50 fee per 5,000 miles)
7. [to 28 Feb 2018] Fubon Platinum / Titanium - 1 mile per $3.75 spent ($50/5,000AM min $250 max $500) (plus 133 Sure win miles if txn amt >$600)
Note: 1 mile per $0.75 for TWD spendings in Taiwan (max $5,000/month and $10,000/year), and 1 mile per $1.875 for KRW and JPY spendings in Korea and Japan (Seperate registration needed, max $20,000/month, two months per calendar year max)^
8. Amex Plat Charge - 1 mile per $3.75 spent (first $160,000 spending, $5/mile thereafter, $200 flat redemption fee)
9. Citibank Prestige / Premiermiles (<$20K) (excluding RMB and MOP) - 1 mile per $4 spent (no redemption fee, $2,500 non-waivable annual fee for the Prestige)** ++ ^
10. DBS Black World Master (excluding MOP) - 1 mile per $4 spent overseas (no fee)^
11. SCB Asia Miles World Master - 1 mile per $4 spent (automatic conversion)
12. Amex CX Elite - 1 mile per $4 spent (automatic conversion)
13. BEA Flyer World Master / Supreme Gold World Master - 1 mile per $5 (no fee)^
14. CCB HK Platinum Visa / Platinum Master - 1 mile per $5 ($50 per 5,000 miles min $100)
15. SCB Priority Banking Visa Infinite - 1 mile per $5 spent ($300 flat fee redemption)**

^: DO NOT Award points for DCC Transactions

II. Supermarket, dept store, Telecommunications bills on autopay:
1A . [to 31 Dec 2018] HSBC - 1 mile / $2.78 (HSBC Visa Signature)/$4.16 (other HSBC Credit Cards INCLUDING HSBC Premier World Master) spent# (select Home Spending category ONLY) ($300 fee for a year's worth of redemptions)** ++
1B. [to 31 Dec 2018] HSBC - 1 mile / $2.78 (HSBC Visa Signature)/$4.16 (other HSBC Credit Cards INCLUDING HSBC Premier World Master) spent# (select Lifestyle Spending category ONLY) ($300 fee for a year's worth of redemptions)** ++
1C. [to 31 Dec 2018] HSBC - 1 mile / $2.78 (HSBC Visa Signature)/$4.16 (other HSBC Credit Cards INCLUDING HSBC Premier World Master) spent# (select Entertainment Spending category ONLY) ($300 fee for a year's worth of redemptions)** ++
2. Citibank Rewards - 1 mile / $3 spent ($50 fee per 5,000 mile redeemed) (on first $12,500 spending per statement month) Note 2** ++
3. (if ONLINE / PAYWAVE) CCB HK eye Card - 1 mile / $3 (inclusive of 5X online bonus, cap at $75000 per calender year ($50 per 5,000 miles AM min $100)

III. Dining
1. [to 31 Dec 2018] HSBC - 1 mile / $2.78 (HSBC Visa Signature) / $4.16 (other HSBC Credit Cards INCLUDING HSBC Premier World Master) spent# (select Dining Spending category ONLY) ($300 fee for a year's worth of redemptions)** ++
1b. [to 31 Dec 2017] HSBC (non-Visa Signature, INCLUDING HSBC Premier World Master) (select Dining category) - 1 mile / $4.16 ($300 fee for a year's worth of redemptions)** ++
1c. [to 31 Dec 2017] HSBC Visa Signature (did not select Dining category) - 1 mile / $6.25 ($300 fee for a year's worth of redemptions) ** ++
2. SCB Asia Miles World Master - 1 mile per $4 spent (automatic conversion)
3. BEA Flyer World Master - 1 mile / $5 (no fee)
Note: Restaurants in hotels sometimes are regarded as "Hotel" under V/M classification and thus ineligible for any dining promotions, using CUP can usually (but not always) get around this problem

IV. Travel agents:
** ++1. [to 31 Dec 2018] HSBC - 1 mile / $2.78 (HSBC Visa Signature) / $4.16 (other HSBC Credit Cards INCLUDING HSBC Premier World Master) spent# (select LifeStyle Spending category ONLY)/ $6.25 (HSBC Visa Signature NOT selecting LifeStyle Spending category)($300 fee for a year's worth of redemptions)
2. CCB HK EYE (if online) - 1 mile per $2.14 spent (First $50,000 only) ($50 per 5,000 miles AM min $100)
3. Amex Plat Charge - 1 mile per $3.75 spent (first $160,000 spending, $5/mile thereafter, $200 flat redemption fee)

V. Other retail spending
1. [to 14 Mar 18] (if online) CCB HK Premier Banking Visa Infinite - 1 mile per $2.67 spent ($50 per 5,000 miles AM min $100) (first $12.5K spending ONLINE per month only, else $8 per mile)
2. CCB HK eye Card - 1 mile per $3 ($50 per 5,000 miles AM min $100) (ONLINE or PAYWAVE Spending ONLY, else $15 per mile)
3. (if online) SCB Asia Miles World Master - 1 mile per $4 spent (automatic conversion) (ONLINE spending ONLY, else $6 per mile)
4. BEA Flyer World Master / BEA Supreme Gold World Master - 1 mile per $5 spent (no fee) Note 3
** 5. SCB WorldMiles AE - 1 mile per $6 spent ($300 flat redemption fee)
** ++ 6. Citibank Prestige - 1 mile per $6 spent (no redemption fee, $2,500 non-waiveable annual fee)
7. Amex CX Elite - 1 mile per $6 spent (automatic conversion)
8. DBS Black World Master - 1 mile per $6 spent (no fee)
9. [to 31 Dec 2017] DBS Eminent - 1 mile per $7.2 spent ($50 fee per 5,000 miles)
10. [to 28 Feb 2018] Fubon Platinum / Titanium - 1 mile per $7.5 spent spending >=$300 on Saturdays and Sundays ($50/5,000AM min $250 max $500) (plus 133 Sure win miles if txn amt >$600 (if NOT ONLINE))
** 11. SCB Priority Banking Visa Infinite - 1 mile per $7.5 spent ($300 flat redemption fee)
** ++ 12. Amex (Gold grade and higher) - 1 mile per $7.5 spent (to $160,000), $200 flat redemption fee). (1 mile per $3 spent for 5x shops and 1 mile per $1.5 spent for 10x shops)
** ++ 13. Citibank Premiermiles - 1 mile per $8 spent (no fee)
13. Shacom World Master / Platinum / Titanium / Diamond UnionPay - 1 mile per $8 spent ($10 per 1,000AM min $100 max $500)

VI. Bill payments (Excluding Tax or any payment to IRD)
VI A. General Bill Payments (EXCLUDING Insurance and Education)
1. BEA Flyer World Master / BEA Supreme Gold World Master - 1 mile per $8 spent on bill payment (Excluding the following categories: Education, Insurance) (no fee) Note 3
2. CCB HK Visa Infinite - 1 mile per $8 spent ($50 per 5,000 miles AM min $100)
3. CCB HK Platinum Visa / CCB HK Platinum Master / CCB HK Platinum Dual Currency UnionPay - 1 mile per $15 spent (Each Card Membership Year cap at 12 times of credit limit)
4. BoC Wealth Management Visa Infinite/BoC Platinum Visa/BoC Dual Currency Unionpay - 1 mile per $15 spent (Each Card cap at $10,000 per Month) ($50/5,000 miles min $100)
5. [to 31 Dec 2017] HSBC Platinum Visa / Advance Platinum Visa / Premier World Master / Visa Signature / Green Card - 1 mile per $25 spent
VI B. Education Bill Payments
1. CCB HK Visa Infinite - 1 mile per $8 spent ($50 per 5,000 miles AM min $100)
2. CCB HK Platinum Visa / CCB HK Platinum Master / CCB HK Platinum Dual Currency UnionPay - 1 mile per $15 spent (Each Card Membership Year cap at 12 times of credit limit)
3. BoC Wealth Management Visa Infinite/BoC Platinum Visa/BoC Dual Currency Unionpay - 1 mile per $15 spent (Each Card cap at $10,000 per Month) ($50/5,000 miles min $100)
4. [to 31 Dec 2017] HSBC Platinum Visa / Advance Platinum Visa / Premier World Master / Visa Signature / Green Card - 1 mile per $25 spent
VI C. Insurance Bill Payments
1. CCB HK Visa Infinite - 1 mile per $8 spent ($50 per 5,000 miles AM min $100)
2. CCB HK Platinum Visa / CCB HK Platinum Master / CCB HK Platinum Dual Currency UnionPay - 1 mile per $15 spent (Each Card Membership Year cap at 12 times of credit limit)
3. BoC Wealth Management Visa Infinite / BoC Platinum Visa & Master / BoC Platinum Dual Currency Unionpay - 1 mile per $15 spent (Each Card cap at $10,000 per Month) ($50/5,000 miles min $100)
4. HSBC Platinum Visa / Advance Platinum Visa / Premier World Master / Visa Signature / Green Card - 1 mile per $25 spent
VI D. Specific bill payment merchants who accept autopay for higher earn rates (by merchant)
1. Towngas autopay - Citi Prestige $6/mile
2. CLP autopay - Citi Prestige $6/mile, BEA $5/AM
3. HKE - DBS Black $6/AM

Note 1: Other issuers in Hong Kong DO NOT award bonus points for bill payment

VII. Octopus Automatic Add-Value
** ++ 1. Citibank Prestige - 1 mile per $6 spent (no redemption fee, $2,500 non-waiveable annual fee)
2. Bankcomm Diamond Dual Currency Card - 1 mile per HK$6 spent for $500 recharges, 1 mile per HK$12 spent for $250 recharges ($100 flat redemption fee)
3. SCB Asia Miles World Master - 1 mile per $6 spent (automatic conversion)
** 4. SCB Priority Banking Visa Infinite - 1 mile per $7.5 spent ($300 flat redemption fee)
5. BEA Flyer World Master / BEA Supreme Gold World Master - 1 mile per $8 spent (no fee) Note 3
6. CCB HK Visa Infinite - 1 mile per $8 spent ($50 per 5,000 miles AM min $100)
** ++ 7. Citibank Premiermiles - 1 mile per $8 spent (no fee)
8. Shacom World Master / Platinum / Titanium / Diamond UnionPay - 1 mile per $8 spent ($10 per 1,000AM min $100 max $500)

VIII. China Unionpay RMB spending

** ++1. [to 31 Dec 2017] HSBC Dual Currency Unionpay card - 1 mile per RMB4.16 spent (select China Spending category ONLY) ($300 fee for a year's worth of redemptions)
2. Bankcomm Diamond Dual Currency Card - 1 mile per RMB6 spent for restaurants or hotels spending >= RMB300, 1 per RMB12 spent other categories ($100 flat redemption fee)
3. Shacom Diamond UnionPay - 1 mile per $8 spent ($10 per 1,000AM min $100 max $500)
4. BoC Dual Currency Unionpay Card - 1 mile per RMB15 spent ($50/5,000 miles min $100)

IX. Electronic wallets
i. Payme https://forum.hongkongcard.com/forum...21076?page=108 #1071
ii. Wechat https://www.facebook.com/notes/%E9%8...93364737574888
iii. Alipay P2P https://www.flyertalk.com/forum/cath...l#post28934293

Note 2:
** can opt for Krisflyer miles in lieu
++ can opt for BAEC AVIOS in lieu
For HSBC, ONLY Premier World Master holders are able to opt for BAEC Avios and KrisFlyer Miles

Note 3:
BEA Supreme Gold World Master cardholders need to register in advance for the "BEA Mileage Reward" scheme during application (Supreme Gold account opening), or else pay $1800 penalty to register thereafter.

HK miles/hotel points earning ability
Refer to here
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Old Jul 1, 17, 3:54 am
  #751  
 
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,219
Originally Posted by percysmith View Post
Me with Citi Prestige as of 27/6 - no.
Bizarre, it works with my HSBC Visa Signature, but not my Citi Prestige. Is there any way to bypass the 3D Secure verification for certain merchants?

EDIT: Spoke to Citi and they can't see the declines or any traces of the transaction on their side. Meanwhile my Citi PremierMiles works, which rules out any potential errors in first name/last name input.

Last edited by Kilian Zoll; Jul 1, 17 at 4:22 am
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Old Jul 1, 17, 4:57 am
  #752  
Ambassador, Hong Kong and Macau
Original Poster
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,485
HSBC Exclusive Spending Rewards (July 2017)

Originally Posted by woresu View Post
HT PointsToMilesx510.km2

Code:
https://www.facebook.com/PointsToMilesx510.km2/posts/1909645412613486
This is a selected customer extension of the HSBC Online/Overseas 5X offer. Selected cardholders can get either

- 5X extra on overseas/dining/online transactions https://www.personal.hsbc.com.hk/1/2...mer-promotion1

or

- 8X extra on overseas/dining/online https://www.personal.hsbc.com.hk/1/2...mmer-promotion

Eligibility and the offer you are eligible for can be confirmed by calling 8228 2338. If you hear "As our selected customer, you are welcome to register for the red hot online and overseas spending reward and the exclusive spending rewards simultaneously through this hotline..." then you are eligible.

Then you have to register using the links above.

You will have spending target being being eligible for extra 5X/8X. The spending qualifying for the extra 5X/8X can be included in meeting the target.
"Red Hot Flash Specials" (最紅熱捧限定) spending are excluded - these include:
- HKExpress
Code:
https://www.facebook.com/MeetHK/posts/1570660056308157
- Hutchgo https://www.hongkongcard.com/forum/show/22138
- Adidas https://www.hongkongcard.com/forum/show/21889

But Mannings and Broadway are not excluded in my view (i.e. included - you can include the $6,000 and $10,000 spending from Mannings and Broadway in meeting your exclusive target)
HSBC Cantonese CS disagrees
I'm sending a written query in

Cap of 200RC ($10,000 spend for 5X/$6,250 for 8X) for the promotion

Last edited by percysmith; Jul 2, 17 at 3:15 am
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Old Jul 1, 17, 9:43 am
  #753  
 
Join Date: Jul 2012
Location: HKG
Programs: BA(GGL) QF LTS CX AM, Hilton Diamond
Posts: 1,622
How many coupons in a book for Manning and Broadway?
Is there a limit on per transaction too on Android Pay (I'm a dinosaur - don't have Android pay on my phone!)
ermen is offline  
Old Jul 1, 17, 10:00 am
  #754  
 
Join Date: May 2017
Location: HK
Programs: MPC Diamond
Posts: 98
percy, so just to be clear, if I call in the hotline number you mentioned (which is the same hotline as the one I believe for the Online/Overseas 5X), and it tells me I have already registered for this program (by which I take to mean the Online/Overseas 5X), does that mean I am not targeted for the Exclusive Spending Rewards for Jul-Aug (ie., the extra 5X or 8X on overseas/dining/online)?

If so, then I guess I am not targeted...
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Old Jul 1, 17, 10:11 am
  #755  
Ambassador, Hong Kong and Macau
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Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,485
Recap:
HSBC Red Hot Summer Rewards Mannings 1/7-31/8 http://www.flyertalk.com/forum/catha...l#post28507211
HSBC Red Hot Summer Rewards Broadway 1/7-31/8 http://www.flyertalk.com/forum/catha...l#post28507221
Red Hot Summer Rewards Visa Mobile Payment Offer 1/7-31/8 http://www.flyertalk.com/forum/catha...l#post28507228

Originally Posted by ermen View Post
How many coupons in a book for Manning and Broadway?
Mannings: 20 coupons (of $50 or $100 amount)
Broadway: they don't have books. They sell $100/$500/$1,000 coupons one by one. They can invoice tens of coupons in one go fortunately.

Originally Posted by ermen View Post
Is there a limit on per transaction too on Android Pay (I'm a dinosaur - don't have Android pay on my phone!)
None that I'm aware of - certainly Broadway had no issues charging me $12,000 in one go last time.

Last edited by percysmith; Jul 1, 17 at 11:28 pm
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Old Jul 1, 17, 10:28 am
  #756  
 
Join Date: Jul 2012
Location: HKG
Programs: BA(GGL) QF LTS CX AM, Hilton Diamond
Posts: 1,622
Wow I am really new to HSBC and good thing I read the T&C carefully.!

So I was going to churn generate some manufactured spend on both my VS and Premier cards, but then I realised that would be useless (and a waste of money) as RC are calculated by HKID and not credit card accounts! The right strategy then would be to churn MS my VS and my supplementary VS too!

So just confirming that my understanding is correct in that HSBC works by HKID and not credit card account?
(i) I can have multiple credit cards with them, but all spending gets summed up when working out the cap?
(ii) my supplementary (additional) card holders have their own quota balance?

Last edited by ermen; Jul 1, 17 at 11:13 am
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Old Jul 1, 17, 10:30 am
  #757  
Ambassador, Hong Kong and Macau
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Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,485
"So just confirming that my understanding is correct in that HSBC works by HKID and not credit card account?" Yes
(i) Yes
(ii) Yes. So it's a HKID game

P.S. Churn means to cut and then reapply later. Why are you doing that to your Premier, esp with the 35% bonus promo now on?
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Old Jul 1, 17, 10:32 am
  #758  
Ambassador, Hong Kong and Macau
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Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,485
Originally Posted by calf613 View Post
percy, so just to be clear, if I call in the hotline number you mentioned (which is the same hotline as the one I believe for the Online/Overseas 5X), and it tells me I have already registered for this program (by which I take to mean the Online/Overseas 5X), does that mean I am not targeted for the Exclusive Spending Rewards for Jul-Aug (ie., the extra 5X or 8X on overseas/dining/online)?

If so, then I guess I am not targeted...
Not targeted. SOL.
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Old Jul 1, 17, 11:11 am
  #759  
 
Join Date: Jul 2012
Location: HKG
Programs: BA(GGL) QF LTS CX AM, Hilton Diamond
Posts: 1,622
Originally Posted by percysmith View Post
"So just confirming that my understanding is correct in that HSBC works by HKID and not credit card account?" Yes
(i) Yes
(ii) Yes. So it's a HKID game

P.S. Churn means to cut and then reapply later. Why are you doing that to your Premier, esp with the 35% bonus promo now on?
Ah a terminology issue. I should have said "manufactured spend"
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Old Jul 1, 17, 4:02 pm
  #760  
 
Join Date: Oct 2014
Location: Hong Kong
Posts: 187
Percy, what does the 5X/8X RC translate to in terms of $/AM including the normal RC we get when we spend? I am always confused by the HSBC conversion...
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Old Jul 1, 17, 4:13 pm
  #761  
 
Join Date: Oct 2014
Location: Hong Kong
Posts: 187
Follow-up. Normal RC earn rate is $250 for 1RC. Extra 8X means we get 9RC for $250, so $2.78/AM?
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Old Jul 1, 17, 7:30 pm
  #762  
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Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,485
5X and 8X: $4.16/AM and $2.78/AM respectively
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Old Jul 1, 17, 8:42 pm
  #763  
 
Join Date: Oct 2014
Location: Hong Kong
Posts: 187
Thank you, Percy!
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Old Jul 2, 17, 12:38 am
  #764  
 
Join Date: May 2017
Location: HK
Programs: MPC Diamond
Posts: 98
May I ask what others are using for PayMe? I'm using Citi Prestige at the moment, but based on the hongkongcard post, seems like I should first max out HK$25K of CCB Eye on this (being the gap between the quota for extra 2x on Overseas/Travel and quota for extra 4x on Online/Paywave), since that would net me HK$3/AM.

I would miss out on the HK$3/AM on any other Online/PayWave spend, but the opportunity cost lost there would not be as high, since BEA FlyerWorld is HK$5/AM and Citi Prestige is HK$6/AM (+AR bonus) for PayMe.

Am I missing anything here?
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Old Jul 2, 17, 1:28 am
  #765  
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Well I generally use my 75,000 annual quota in conjunction with 939, and current and future 939 will exclude electronic wallet.

That leaves me with only 11,000 online quota for Payme.

So my paymes are currently going into Prestige
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