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Credit card Asia Miles earning opportunities (HK) 2019

Credit card Asia Miles earning opportunities (HK) 2019

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Old Jun 5, 19, 4:03 pm   -   Wikipost
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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 (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 2019] (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 2019] (Need to be HSBC Advance customer)
6. 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)
7. 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
8. 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
9. 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)
10. 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 2019] 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 2018] DBS Eminent (excluding MOP) - 1 mile per $3.6 spent ($50 fee per 5,000 miles)
7. [to 28 Feb 2019] 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 2019] 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 2019] 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 2019] 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 2019] 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 2019] 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 2019] 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 2019] 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 19] (if online or Apple Pay) 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 2018] DBS Eminent - 1 mile per $7.2 spent ($50 fee per 5,000 miles)
10. [to 28 Feb 2019] 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
1. CCB HK Visa Infinite and CCB HK Diamond Prestige - 1 mile per $8 spent ($50 per 5,000 miles AM min $100 max $300)
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 (cap at $10,000 per Month)
VI B. 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 - Alipay HKE (rever to IX.iii earn rates), 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. SCB Asia Miles World Master - 1 mile per $6 spent (automatic conversion)
** 3. SCB Priority Banking Visa Infinite - 1 mile per $7.5 spent ($300 flat redemption fee)
4. BEA Flyer World Master / BEA Supreme Gold World Master - 1 mile per $8 spent (no fee) Note 3
5. CCB HK Visa Infinite and CCB HK Diamond Prestige - 1 mile per $8 spent ($50 per 5,000 miles AM min $100 max $300)
** ++ 6. Citibank Premiermiles - 1 mile per $8 spent (no fee)
7. Shacom World Master / Platinum / Titanium / Diamond UnionPay - 1 mile per $8 spent ($10 per 1,000AM min $100 max $500)
8. Bankcomm Diamond Dual Currency Card - 1 mile per HK$12 spent ($50 per 5,000 AM min $100 max $300)
9. HSBC (all HKD cards) - 1 mile per $25 spent

VIII. China Unionpay RMB spending

** ++1. [to 31 Dec 2019] 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 ($50 per 5,000 AM min $100 max $300)
3. CCB HK Diamond Prestige - 1 mile per RMB8 spent ($50 per 5,000 miles AM min $100 max $300)
4. Shacom Diamond UnionPay - 1 mile per RMB8 spent ($10 per 1,000AM min $100 max $500)
5. BoC Dual Currency Unionpay Card - 1 mile per RMB15 spent ($50/5,000 miles min $100)

IX. Electronic wallets (in descending chronological order):
i. Payme
https://www.mrmiles.hk/payme/
http://flyformiles.hk/8847
ii. Wechat
http://flyformiles.hk/8847
https://www.mrmiles.hk/wechat-pay/
iii. Alipay P2P
http://flyformiles.hk/8847
https://www.mrmiles.hk/alipay/
iv. O!epay (Oepay): see VII. Octopus Automatic Add-Value above

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 Mar 7, 19, 4:45 am
  #151  
 
Join Date: May 2017
Location: HK
Programs: MPC Diamond
Posts: 96
Apologies if I missed this topic in one or more earlier posts (did not find anything after a quick search), but I am running into an issue withdrawing funds from O! ePay to my bank account. CS advised that this was due to DDA being blocked on HKMA orders, but that I could still transfer out to a bank via P2P payments (which it looks like use FPS). Did anyone else encounter this same issue? Anything to be alert to as to fees, transfer limits, etc., that may differ from the old transfer method?
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Old Mar 7, 19, 5:52 am
  #152  
 
Join Date: Aug 2013
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Originally Posted by jz123 View Post
Which bank do you recon is best for everyday use?
Like Octopus topup/pay bills/mobile app/recieve payroll?
Citi or SC?
I am not the best person to answer here as I do not do any day-to-day banking in HK, but I have accounts with both Citi and SC and would assume that for everyday local use SC is more convenient.
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Old Mar 7, 19, 7:41 pm
  #153  
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Originally Posted by jz123 View Post
Valid point.
I think I have decided to use Citi (or Standard Charterd) for my main bank.

And in addition use a few other cards and save both AM and Avios

Which bank do you recon is best for everyday use?
Like Octopus topup/pay bills/mobile app/recieve payroll?

Citi or SC?
You'll probably find that your choice of bank will depend on other factors than what you are used to in Sweden (if that's indeed where you are relocating from). For example, in HK you're going to find yourself needing to carry cash as HK is still very much a cash dependent society. While many retailers in Sweden are strictly no-cash, many retailers (most notably taxis) in HK are strictly cash only - so having a bank with a wide ATM network can certainly be a convenience. Another thing to note is that things like online/mobile banking in HK is a solid decade behind what you may be used to, with a few exceptions.

For Octopus top-ups you are best of using auto top-up from a credit card, which also allows you to earn miles (depending on the card).
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Old Mar 7, 19, 7:55 pm
  #154  
 
Join Date: Oct 2014
Location: Hong Kong
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Agree with the comments above.

I have accounts with Citi and HSBC. I use Citi for most stuff - payroll, transfers, credit card autopay, etc.

Citi doesn't have many of its own ATMs or branches, but I can use any JetCo ATM (any of these banks: https://www.jetco.com.hk/en/about-jetco/member-banks, which are fairly ubiquitous) and online banking for other stuff. Very seldom do I need to visit a branch (I can't actually remember the last time).

The HSBC ATM card doesn't work outside of Hong Kong, so you have to link it to a credit card for overseas withdrawals (and in my experience there is a good chance of being charged cash withdrawal fees depending on how the overseas ATM processes the transaction, which you then have to call to waive, etc). It's a faff. No such issues with Citi.
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Old Mar 7, 19, 7:57 pm
  #155  
 
Join Date: Jan 2011
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Originally Posted by Kilian Zoll View Post
While many retailers in Sweden are strictly no-cash, many retailers (most notably taxis) in HK are strictly cash only - so having a bank with a wide ATM network can certainly be a convenience.
While the part about taxi's are true, I find that very few other businesses are "cash only" - even some of the larger cha caan teng's take Octopus now!

But more importantly, there is no difference between Citi and StanChart when it comes to ATM's - they are both a part of the JETCO network. In HK, it is essentially HSBC / Hang Seng vs The Rest.

Given that StanChart is a "local" bank (I know it is UK-headquartered, but it is essentially a HK bank), it would most likely be more convenient to go with them. Citi has a much smaller presence, though feedback has been very positive from American expats.
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Old Mar 7, 19, 9:57 pm
  #156  
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Originally Posted by CX HK View Post
While the part about taxi's are true, I find that very few other businesses are "cash only" - even some of the larger cha caan teng's take Octopus now!

But more importantly, there is no difference between Citi and StanChart when it comes to ATM's - they are both a part of the JETCO network. In HK, it is essentially HSBC / Hang Seng vs The Rest.

Given that StanChart is a "local" bank (I know it is UK-headquartered, but it is essentially a HK bank), it would most likely be more convenient to go with them. Citi has a much smaller presence, though feedback has been very positive from American expats.
SCB pros
More branches to deposit surplus cash, cheques (these you must deposit in own bank)
Ability to register third party transferees and bill payment accounts without branch visit

SCB cons
Jetco withdrawal must be >=$500 (so you can't get a bunch of $100 notes from many banks - it'll spit out a $500 note instead)

(I haven't been a Citi banking customer for years so my comments may not be current)
Citi pros
Only bank to entertain account opening request from passport holders

Citi cons
PPS limit $50,000
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Old Mar 7, 19, 10:07 pm
  #157  
 
Join Date: Jul 2012
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Programs: BA(GGL) QF LTS CX AM, Hilton Diamond
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Think SCB overall slightly better than Citi.

Even though Citi was my first bank (allowed me to open with a passport), they used to charge a fee for local internet bank transfers (this has ceased now given the FPS regime) so I moved to SCB. Also with Citi, to add internet banking payee for a higher limit, you used to have to fill up a paper form to get a higher limit (not sure if it is still needed) which required going to a branch.

So far little complaints with SCB - even the $500 min limit mentioned above is not a problem if you know which ATMs to go for (e.g. BEA and BOC give 5 x 100)
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Old Mar 7, 19, 10:37 pm
  #158  
sxc
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Originally Posted by percysmith View Post
SCB pros
More branches to deposit surplus cash, cheques (these you must deposit in own bank)
Ability to register third party transferees and bill payment accounts without branch visit
This is possible on Citi now too.

And actually with FPS, all inter HK transfers are immediate and don't require pre-registration anymore (assuming your payee has registered FPS).
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Old Mar 8, 19, 12:32 am
  #159  
 
Join Date: Jan 2011
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Originally Posted by ermen View Post
So far little complaints with SCB - even the $500 min limit mentioned above is not a problem if you know which ATMs to go for (e.g. BEA and BOC give 5 x 100)
Minor detail but SCB's own ATMs also spits out 5 x 100.
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Old Mar 8, 19, 1:51 am
  #160  
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Originally Posted by CX HK View Post
While the part about taxi's are true, I find that very few other businesses are "cash only" - even some of the larger cha caan teng's take Octopus now!
Anecdotal of course, but there are several business in my area (Sai Ying Pun, which is seen as an 'expat heavy' area these days) -- particularly mom and pop type shops and smaller eateries - that only accept cash. Also in the wet market I don't think there's a single vendor that accepts anything other than cash - I could be wrong though.
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Old Mar 8, 19, 2:16 am
  #161  
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Originally Posted by sxc View Post
This is possible on Citi now too.

And actually with FPS, all inter HK transfers are immediate and don't require pre-registration anymore (assuming your payee has registered FPS).
Yes but sometimes with a piss-weak limit e.g. BEA $1,500 I think. SCB allows large transfers based solely on 2FA.
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Old Mar 8, 19, 2:57 am
  #162  
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Originally Posted by zeltergiset View Post
The HSBC ATM card doesn't work outside of Hong Kong
Mine always has done, with no problem.
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Old Mar 8, 19, 3:02 am
  #163  
 
Join Date: Jan 2011
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Thanks everyone for great inputs,

Yes, Im relocating from Sweden and in Sweden there's none of these big international banks so I've to find a new one.

So based from your inputs I'm thinking
HSBC, Citi or SC for everyday banking and ATM.

And after that start to collect a few creditcards from different banks(not to become an everyday banking customer so to say)

I still have a month before moving
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Old Mar 8, 19, 3:11 am
  #164  
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Originally Posted by christep View Post
Mine always has done, with no problem.
Mine too, but only in ATMs, not as a debit card -- which I always found odd.
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Old Mar 8, 19, 5:09 am
  #165  
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Originally Posted by Kilian Zoll View Post
Mine too, but only in ATMs, not as a debit card -- which I always found odd.
You can't use HSBC PLUS ATM card as a debit card outside HK

Maybe a Unionpay ATM card at a Unionpay merchant.
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