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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 Mar 2, 19, 8:52 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 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)
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 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 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 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 2018] 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 2018] 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 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 2018] 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 8, 19, 5:23 am
  #166  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Depends
Posts: 14,035
Originally Posted by percysmith View Post
Yes but sometimes with a piss-weak limit e.g. BEA $1,500 I think. SCB allows large transfers based solely on 2FA.
Just a quick summary of FPS limits:

CCB: cannot FPS by app or online without prior branch registration
BEA: app $1,500/day, website $50,000/day
HSB: app $100,000/day
HSBC: app $400,000/day
BoC: app $500,000/day
SCB: app $10,000/day, website $100,000/day

Nowadays I just route all my money to HSBC and have HSBC transfer to third party.
Used to be only SCB who has this functionality thru website in ECG days.
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Old Mar 8, 19, 5:33 am
  #167  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
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Originally Posted by zeltergiset View Post
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.
is it a Unionpay?
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Old Mar 8, 19, 8:44 am
  #168  
 
Join Date: Oct 2014
Location: Hong Kong
Programs: BA Silver (OWS)
Posts: 639
Originally Posted by percysmith View Post
is it a Unionpay?
I think so, but don't have it to hand.

My understanding might be outdated. I just remember HSBC telling me when I first moved to HK (2015) that my ATM card is EPS and so can't be used in overseas ATMs, and that if I wanted to withdraw cash I would have to link one of my credit cards and use that instead. I'm guessing from the posts above that this is no longer true?
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Old Mar 8, 19, 1:47 pm
  #169  
 
Join Date: Aug 2013
Location: Taiwan
Programs: IHG Plat Ambassador, Marriott Platinum Premier, Hilton Gold, AccorHotels Silver, oneworld Sapphire
Posts: 1,014
Originally Posted by percysmith View Post
Citi pros
Only bank to entertain account opening request from passport holders
SC opens accounts without HKID as well. As I can figure out, any bank in fact can, but HSBC may traditionally be difficult to deal with (who needs it anyway).

To add some info:
SC has duel currency CUP debit card (which might be useful for China), as well as Maestro debit card (HKD-only). I assume these cannot be used online however.
Citi has only MasterCard debit cards now (Visa cards are gone).
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Old Mar 8, 19, 9:32 pm
  #170  
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Originally Posted by zeltergiset View Post
I think so, but don't have it to hand.

My understanding might be outdated. I just remember HSBC telling me when I first moved to HK (2015) that my ATM card is EPS and so can't be used in overseas ATMs, and that if I wanted to withdraw cash I would have to link one of my credit cards and use that instead. I'm guessing from the posts above that this is no longer true?
Think whoever from HSBC told you that made a misrepresentation to get commission from new credit card

The default ATM card gives out now is Unionpay. It works overseas if you enable overseas withdrawal capability before departure.

Hsbc charges lower per-withdrawal fees on Unionpay ($20 vs $40)

On request (and HSBC doesn't make this easy) HSBC will give out stand-alone (Visa) PLUS ATM cards. The per-withdrawal fee is double of Unionpay but far more overseas ATMs (particularly those in places Mainland Chinese don't go) will take PLUS.

PLUS is not Visa Debit however. Also you will still need to enable overseas withdrawal before you go.
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Old Mar 8, 19, 9:40 pm
  #171  
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Join Date: May 2009
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Originally Posted by barracuda93 View Post
Looks like they misadvertise it as x8 points there is nothing near x8, though the promo is still good.
6X
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Old Mar 8, 19, 11:39 pm
  #172  
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Join Date: May 2009
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Originally Posted by calf613 View Post
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?
No real difference - you're allowed to withdraw as much as you want as Pro, and the fee is 0.5% of the amount over $5,000

To me it's the interface.
DDA format is simpler - you type in the amount you want to withdraw, you're told the fee, and if you're OK with it the sum of the two are withdrawn. If the sum is less than your balance your application is rejected and you have to lower your withdrawal.

FPS is confusing. You type in a proposed withdrawal amount and you are told the fee on that proposed amount. But if you're account doesn't have that much money the transaction goes ahead anyway - the fee is the amount you agreed to, but the amount you proposed to withdraw will be adjusted to the amount you actually have left after deduction of the fee. So in order not to incur excessive fees you have to do a manual check to make sure the sum does not exceed your balance.
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Old Mar 11, 19, 1:51 am
  #173  
 
Join Date: May 2017
Location: HK
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Originally Posted by percysmith View Post


No real difference - you're allowed to withdraw as much as you want as Pro, and the fee is 0.5% of the amount over $5,000

To me it's the interface.
DDA format is simpler - you type in the amount you want to withdraw, you're told the fee, and if you're OK with it the sum of the two are withdrawn. If the sum is less than your balance your application is rejected and you have to lower your withdrawal.

FPS is confusing. You type in a proposed withdrawal amount and you are told the fee on that proposed amount. But if you're account doesn't have that much money the transaction goes ahead anyway - the fee is the amount you agreed to, but the amount you proposed to withdraw will be adjusted to the amount you actually have left after deduction of the fee. So in order not to incur excessive fees you have to do a manual check to make sure the sum does not exceed your balance.
I see - thank you, that is helpful. Just to confirm, does that mean if I enter a withdrawal of HK$1k, it will deposit HK$1k in my account net of the 0.5% fee (so HK$995 in my bank account and HK$5 as the fee), or that it will charge me the HK$5 fee in addition to the HK$1k withdrawal (both deducted from my O! ePay account)?
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Old Mar 15, 19, 10:39 pm
  #174  
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Old Mar 16, 19, 1:11 am
  #175  
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Originally Posted by calf613 View Post
I see - thank you, that is helpful. Just to confirm, does that mean if I enter a withdrawal of HK$1k, it will deposit HK$1k in my account net of the 0.5% fee (so HK$995 in my bank account and HK$5 as the fee), or that it will charge me the HK$5 fee in addition to the HK$1k withdrawal (both deducted from my O! ePay account)?
Well let's say I ask to FPS 6,000 instead (I now have that much from my AAVS accumulations) and there is at least $6,005 in my account
The first 5,000 is free
The last 1,000 is charged at 0.5% or $5
So 6,005 will be taken from my Oepay account and $6,000 will be credited into my bank account linked by FPS
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