Jan 1, 2020, 1:35 am
Last edit by: derek2010
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 and overseas purchases; 1 mile per $8 for Octopus / Electronic Wallet (Payme ONLY) (no fee)
Credit Cards that are by Invitation Only / Applied in lieu with an Account / Needs possessing certain membership for Application:
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 - [till 27 Feb 2020] $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, [from 28 Feb 2020] $12.5 per mile for local spending ($25 per mile for Insurance Spending (NOT BILL PAYMENT)) and Octopus, $8.33 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, 1 mile per $8 for Octopus / Electronic Wallet (Payme ONLY) (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)
11. BEA Hong Kong Racehorse Owners Association (HKROA) World Master - 1 mile per $5 for local / overseas, 1 mile per $8 for Octopus / Electronic Wallet (Payme ONLY) (no fee) (Need to be member of Hong Kong Racehorse Owners Association (香港馬主協會)) Note 3
12. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent for local / online / octopus spendings, 1 mile per $4 for overseas spendings (no fee, $19,800 non-waivable annual fee with 120000 miles awarded annually) (Need to be OCBC Wing Hang Premier Banking (宏富理財) customer)
13. Shacom Shanghai Fraternity Association (上海總會) UnionPay Dual Currency Diamond - 1 mile per $8 local purchases / overseas / octopus ($10 per 1,000AM min $100 max $500) (Need to be member of Shanghai Fraternity Association (上海總會))
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 Platinum Charge - 1 mile per $3.75 spent (first $160,000 spending, $5/mile thereafter, $200 flat redemption fee, $7,800 non-waiveable annual fee)
9. Citibank Prestige / PremierMiles (<$20K) (excluding RMB and MOP) - 1 mile per $4 spent (no redemption fee, $3,800 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 / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile per $5 (no fee)^
14. AMEX Platinum Credit - 1 mile per $5 spent (to $160,000, 1 mile per $15 thereafter), $200 flat redemption fee, $2,200 non-waiveable annual fee for AMEX Platinum Credit if one does not possess AMEX Platinum Charge in lieu) ** ++
15. CCB HK Platinum Visa / Platinum Master - 1 mile per $5 ($50 per 5,000 miles min $100)
16. SCB Priority Banking Visa Infinite - [till 27 Feb 2020] 1 mile per $5 spent ($300 flat redemption fee), [from 28 Feb 2020] 1 mile per $8.33 spent ($300 flat redemption fee)
17. HSBC Red World Master - 1 mile / $10 spent ($300 fee for a year's worth of redemptions)** ++
18. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $4 for overseas spendings (no fee)
^: DO NOT Award points for DCC Transactions
II. Supermarket, Department 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. [till 14 Jan 2021] 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)
4. HSBC Red World Master - 1 mile / $5 spent ($300 fee for a year's worth of redemptions)** ++
5. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (no fee)
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 / $4 (automatic conversion)
3. BEA Flyer World Master / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile / $5 (no fee) Note 3
4. HSBC Red World Master - 1 mile / $10 spent ($300 fee for a year's worth of redemptions)** ++
5. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (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 Platinum Charge - 1 mile per $3.75 spent (first $160,000 spending, $5/mile thereafter, $200 flat redemption fee, $7,800 non-waiveable annual 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) (PAYWAVE Spending ONLY, else $15 per mile)
3. SCB Asia Miles World Master - 1 mile per $6 spent (automatic conversion)
4. BEA Flyer World Master / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile per $5 spent (no fee) Note 3
** ++ 5. AMEX Platinum Credit - 1 mile per $5 spent (to $160,000, 1 mile per $15 thereafter), $200 flat redemption fee, $2,200 non-waiveable annual fee for AMEX Platinum Credit if one does not possess AMEX Platinum Charge in lieu)
** 6. SCB WorldMiles AE - 1 mile per $6 spent ($300 flat redemption fee)
** ++ 7. Citi Prestige - 1 mile per $6 spent (no redemption fee, $3,800 non-waiveable annual fee)
8. AMEX CX Elite - 1 mile per $6 spent (automatic conversion)
** ++ 9. DBS Black World Master - 1 mile per $6 spent (no fee)
10. [to 31 Dec 2018] DBS Eminent - 1 mile per $7.2 spent ($50 fee per 5,000 miles)
11. [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))
** 12. SCB Priority Banking Visa Infinite - [till 27 Feb 2020] 1 mile per $7.5 spent ($300 flat redemption fee), [from 28 Feb 2020] 1 mile per $12.5 spent ($300 flat redemption fee)
** ++ 13. AMEX (Gold grade and higher, except Platinum Credit) - 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, $7,800 non-waiveable annual fee for AMEX Platinum Charge)
** ++ 14. Citi Premiermiles - 1 mile per $8 spent (no fee)
15. Shacom World Master / Platinum / Titanium / Diamond UnionPay - 1 mile per $8 spent ($10 per 1,000AM min $100 max $500)
16. HSBC Red World Master - 1 mile / $10 spent ($300 fee for a year's worth of redemptions)** ++
17. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (no fee)
VI. Bill payments (Excluding Tax or any payment to IRD)
VI A. General Bill Payments
1. CCB HK Visa Infinite / 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 Travel Rewards Visa Signature Card / BoC Platinum Visa & Master (including co-branded cards like Sogo) / 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 / Red World Master - 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 - AlipayHK (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, $3,800 non-waiveable annual fee)
2. SCB Asia Miles World Master - 1 mile per $6 spent (automatic conversion)
** 3. SCB Priority Banking Visa Infinite - [till 27 Feb 2020] 1 mile per $7.5 spent ($300 flat redemption fee), [from 28 Feb 2020] 1 mile per $12.5 spent ($300 flat redemption fee)
4. BEA Flyer World Master / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile per $8 spent (no fee) Note 3
5. CCB HK Visa Infinite / 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
10. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (no fee)
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
X. Online spending in HKD
1. HSBC Red World Master - 1 mile / $2.5 spent ($300 fee for a year's worth of redemptions)** ++
2. CCB HK eye Card - 1 mile per $3 ($50 per 5,000 miles AM min $100) (ONLINE Spending ONLY, else $15 per mile)
3. 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 / BEA HKROA World Master - 1 mile per $5 spent (no fee) (EXCLUDING PayMe transactions) Note 3
Note 2:
** can opt for Krisflyer miles in lieu (conversion of Krisflyer for SCB Non-AM cards will end at 27 Feb 2020)
++ 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 / BEA HKROA World Master cardholders need to register in advance for the "BEA Mileage Reward" scheme during application (Supreme Gold account opening / co-branded card application), or else pay $1800 penalty to register thereafter.
HK miles/hotel points earning ability
Refer to here
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 and overseas purchases; 1 mile per $8 for Octopus / Electronic Wallet (Payme ONLY) (no fee)
Credit Cards that are by Invitation Only / Applied in lieu with an Account / Needs possessing certain membership for Application:
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 - [till 27 Feb 2020] $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, [from 28 Feb 2020] $12.5 per mile for local spending ($25 per mile for Insurance Spending (NOT BILL PAYMENT)) and Octopus, $8.33 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, 1 mile per $8 for Octopus / Electronic Wallet (Payme ONLY) (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)
11. BEA Hong Kong Racehorse Owners Association (HKROA) World Master - 1 mile per $5 for local / overseas, 1 mile per $8 for Octopus / Electronic Wallet (Payme ONLY) (no fee) (Need to be member of Hong Kong Racehorse Owners Association (香港馬主協會)) Note 3
12. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent for local / online / octopus spendings, 1 mile per $4 for overseas spendings (no fee, $19,800 non-waivable annual fee with 120000 miles awarded annually) (Need to be OCBC Wing Hang Premier Banking (宏富理財) customer)
13. Shacom Shanghai Fraternity Association (上海總會) UnionPay Dual Currency Diamond - 1 mile per $8 local purchases / overseas / octopus ($10 per 1,000AM min $100 max $500) (Need to be member of Shanghai Fraternity Association (上海總會))
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 Platinum Charge - 1 mile per $3.75 spent (first $160,000 spending, $5/mile thereafter, $200 flat redemption fee, $7,800 non-waiveable annual fee)
9. Citibank Prestige / PremierMiles (<$20K) (excluding RMB and MOP) - 1 mile per $4 spent (no redemption fee, $3,800 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 / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile per $5 (no fee)^
14. AMEX Platinum Credit - 1 mile per $5 spent (to $160,000, 1 mile per $15 thereafter), $200 flat redemption fee, $2,200 non-waiveable annual fee for AMEX Platinum Credit if one does not possess AMEX Platinum Charge in lieu) ** ++
15. CCB HK Platinum Visa / Platinum Master - 1 mile per $5 ($50 per 5,000 miles min $100)
16. SCB Priority Banking Visa Infinite - [till 27 Feb 2020] 1 mile per $5 spent ($300 flat redemption fee), [from 28 Feb 2020] 1 mile per $8.33 spent ($300 flat redemption fee)
17. HSBC Red World Master - 1 mile / $10 spent ($300 fee for a year's worth of redemptions)** ++
18. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $4 for overseas spendings (no fee)
^: DO NOT Award points for DCC Transactions
II. Supermarket, Department 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. [till 14 Jan 2021] 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)
4. HSBC Red World Master - 1 mile / $5 spent ($300 fee for a year's worth of redemptions)** ++
5. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (no fee)
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 / $4 (automatic conversion)
3. BEA Flyer World Master / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile / $5 (no fee) Note 3
4. HSBC Red World Master - 1 mile / $10 spent ($300 fee for a year's worth of redemptions)** ++
5. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (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 Platinum Charge - 1 mile per $3.75 spent (first $160,000 spending, $5/mile thereafter, $200 flat redemption fee, $7,800 non-waiveable annual 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) (PAYWAVE Spending ONLY, else $15 per mile)
3. SCB Asia Miles World Master - 1 mile per $6 spent (automatic conversion)
4. BEA Flyer World Master / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile per $5 spent (no fee) Note 3
** ++ 5. AMEX Platinum Credit - 1 mile per $5 spent (to $160,000, 1 mile per $15 thereafter), $200 flat redemption fee, $2,200 non-waiveable annual fee for AMEX Platinum Credit if one does not possess AMEX Platinum Charge in lieu)
** 6. SCB WorldMiles AE - 1 mile per $6 spent ($300 flat redemption fee)
** ++ 7. Citi Prestige - 1 mile per $6 spent (no redemption fee, $3,800 non-waiveable annual fee)
8. AMEX CX Elite - 1 mile per $6 spent (automatic conversion)
** ++ 9. DBS Black World Master - 1 mile per $6 spent (no fee)
10. [to 31 Dec 2018] DBS Eminent - 1 mile per $7.2 spent ($50 fee per 5,000 miles)
11. [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))
** 12. SCB Priority Banking Visa Infinite - [till 27 Feb 2020] 1 mile per $7.5 spent ($300 flat redemption fee), [from 28 Feb 2020] 1 mile per $12.5 spent ($300 flat redemption fee)
** ++ 13. AMEX (Gold grade and higher, except Platinum Credit) - 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, $7,800 non-waiveable annual fee for AMEX Platinum Charge)
** ++ 14. Citi Premiermiles - 1 mile per $8 spent (no fee)
15. Shacom World Master / Platinum / Titanium / Diamond UnionPay - 1 mile per $8 spent ($10 per 1,000AM min $100 max $500)
16. HSBC Red World Master - 1 mile / $10 spent ($300 fee for a year's worth of redemptions)** ++
17. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (no fee)
VI. Bill payments (Excluding Tax or any payment to IRD)
VI A. General Bill Payments
1. CCB HK Visa Infinite / 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 Travel Rewards Visa Signature Card / BoC Platinum Visa & Master (including co-branded cards like Sogo) / 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 / Red World Master - 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 - AlipayHK (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, $3,800 non-waiveable annual fee)
2. SCB Asia Miles World Master - 1 mile per $6 spent (automatic conversion)
** 3. SCB Priority Banking Visa Infinite - [till 27 Feb 2020] 1 mile per $7.5 spent ($300 flat redemption fee), [from 28 Feb 2020] 1 mile per $12.5 spent ($300 flat redemption fee)
4. BEA Flyer World Master / BEA Supreme Gold World Master / BEA HKROA World Master - 1 mile per $8 spent (no fee) Note 3
5. CCB HK Visa Infinite / 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
10. OCBC Wing Hang VOYAGE World Elite Master - 1 mile per $6 spent (no fee)
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
X. Online spending in HKD
1. HSBC Red World Master - 1 mile / $2.5 spent ($300 fee for a year's worth of redemptions)** ++
2. CCB HK eye Card - 1 mile per $3 ($50 per 5,000 miles AM min $100) (ONLINE Spending ONLY, else $15 per mile)
3. 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 / BEA HKROA World Master - 1 mile per $5 spent (no fee) (EXCLUDING PayMe transactions) Note 3
Note 2:
** can opt for Krisflyer miles in lieu (conversion of Krisflyer for SCB Non-AM cards will end at 27 Feb 2020)
++ 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 / BEA HKROA World Master cardholders need to register in advance for the "BEA Mileage Reward" scheme during application (Supreme Gold account opening / co-branded card application), or else pay $1800 penalty to register thereafter.
HK miles/hotel points earning ability
Refer to here
Credit card Asia Miles earning opportunities (HK) 2020
Feb 20, 2020, 7:04 pm
#136
Join Date: Feb 2005
Location: Hong Kong
Posts: 2,068
MoneyBack Points conversion issues?
I have some expiring AM's so am trying to convert them to MoneyBack points. I've not had a problem in the past doing this.
Seems this can only be done at MoneyBack terminals which seem to be pretty rare these days (but luckily have one near my home). I've tried for the last couple of days and every time it gets stuck on "loading" and doesn't seem to convert the AM to MoneyBack points.
Anyone else having trouble with this recently?
Thanks in advance.
Seems this can only be done at MoneyBack terminals which seem to be pretty rare these days (but luckily have one near my home). I've tried for the last couple of days and every time it gets stuck on "loading" and doesn't seem to convert the AM to MoneyBack points.
Anyone else having trouble with this recently?
Thanks in advance.
Feb 20, 2020, 8:27 pm
#137
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,462
Thanks Percy, my own math takes it to HKD 1.56 / mile for HSBC Premier Mastercard during this promo.
"1. 2.4% RewardCash rebate is equivalent to 6 times RewardCash, which includes the basic 1 time RewardCash plus an extra 5 times RewardCash earned under this promotion. The total maximum amount of extra RewardCash on eligible transactions to be awarded to each cardholder in each phase is $300.
2. An extra 2% RewardCash rebate exclusively for HSBC Premier MasterCard Credit Card is equivalent to an extra 5 times RewardCash. The total maximum amount of extra RewardCash on eligible overseas transactions to be awarded to each HSBC Premier MasterCard Credit Card cardholder in each phase is $300."
Would this mean the spend limit (at the 1.56 / mile level) per phase is a mere $4,687.50?
"1. 2.4% RewardCash rebate is equivalent to 6 times RewardCash, which includes the basic 1 time RewardCash plus an extra 5 times RewardCash earned under this promotion. The total maximum amount of extra RewardCash on eligible transactions to be awarded to each cardholder in each phase is $300.
2. An extra 2% RewardCash rebate exclusively for HSBC Premier MasterCard Credit Card is equivalent to an extra 5 times RewardCash. The total maximum amount of extra RewardCash on eligible overseas transactions to be awarded to each HSBC Premier MasterCard Credit Card cardholder in each phase is $300."
Would this mean the spend limit (at the 1.56 / mile level) per phase is a mere $4,687.50?
Feb 20, 2020, 9:02 pm
#138
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,740
Feb 21, 2020, 7:14 am
#139
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,462
Feb 21, 2020, 7:17 am
#140
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,740
7. We will calculate the extra RewardCash based on the records we hold on the Registration and the Eligible Transactions. If you qualify for the offer, we will credit the extra RewardCash to your first registered Eligible Credit Card account maintained in our record by 30 June 2020 in relation to phase 1; on or before 30 September 2020 in relation to phase 2; on or before 31 December 2020 in relation to phase 3; on or before 31 March 2021 in relation to phase 4.
https://www.redhotoffers.hsbc.com.hk...nd-conditions/
https://www.redhotoffers.hsbc.com.hk...nd-conditions/
Feb 23, 2020, 5:46 am
#141
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,462
I have a six figure local retail purchase coming up -- any promos or specific cards I should keep in mind? Want to maximize miles earning -- ideally transferrable to KF as I have more AM than I need.
I hold the following cards at the moment:
- Citi Prestige
- SCB Asia Miles
- Amex CX Elite
- HSBC Visa Signature (set to overseas)
- HSBC Premier MC (set to overseas)
- Amex Platinum Charge
- Amex Platinum Credit Card
- DBS Black Card
I hold the following cards at the moment:
- Citi Prestige
- SCB Asia Miles
- Amex CX Elite
- HSBC Visa Signature (set to overseas)
- HSBC Premier MC (set to overseas)
- Amex Platinum Charge
- Amex Platinum Credit Card
- DBS Black Card
Feb 23, 2020, 5:53 am
#142
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,740
Citi Prestige
DBS Black and Citi Prestige both yield normal $6/KF but Citi Prestige will win by relationship bonus
DBS Black and Citi Prestige both yield normal $6/KF but Citi Prestige will win by relationship bonus
Feb 23, 2020, 6:16 am
#143
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,462
https://www.americanexpress.com/hk/e...m-credit-card/
3X Membership Rewards points* on spending
3X Membership Rewards points* on spending
On top of a wide selection of items from our Rewards Catalogue, you can also redeem for as low as HK$5=1 air mile^ including Asia Miles/Avios/Kris Flyer Miles and more.
The earn rate of 3 points for every HK$1 spent is applicable to the first HK$120,000 spent during each program period. From HK$120,001 and onwards, every HK$1 spent will entitle to 1 point. Each program period shall run from January 1 to December 31 of each such calendar year
The earn rate of 3 points for every HK$1 spent is applicable to the first HK$120,000 spent during each program period. From HK$120,001 and onwards, every HK$1 spent will entitle to 1 point. Each program period shall run from January 1 to December 31 of each such calendar year
Last edited by Kilian Zoll; Feb 23, 2020 at 6:27 am
Feb 23, 2020, 7:15 pm
#144
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,462
Hey everyone -- need advice re Amex Plat. I just received my statement with the annual fee yesterday, payment due 19 March. One of the key reasons I would consider keeping this card another year is the Hilton Gold Status (I need this benefit to ensure free breakfast at an upcoming stay at the WA Maldives).
How exactly does the HHG Status work from an Amex perspective? When I first received the card I 'enrolled' for Gold status with Hilton and my account was upgraded shortly after. Does this process have to be repeated every year upon card renewal (or when HHG expires? When is that?) or is the status automatically kept active as long as the Amex Platinum is active?
If I cancel the Amex now (before statement due date of 19 March) I assume I lose my Hilton Gold status either immediately upon cancellation of the card, or upon the standard Hilton status expiry date of 31 March (?). I definitely need the status in April so I guess my only choice is to either renew the Amex or try and get Gold status another way?
How exactly does the HHG Status work from an Amex perspective? When I first received the card I 'enrolled' for Gold status with Hilton and my account was upgraded shortly after. Does this process have to be repeated every year upon card renewal (or when HHG expires? When is that?) or is the status automatically kept active as long as the Amex Platinum is active?
If I cancel the Amex now (before statement due date of 19 March) I assume I lose my Hilton Gold status either immediately upon cancellation of the card, or upon the standard Hilton status expiry date of 31 March (?). I definitely need the status in April so I guess my only choice is to either renew the Amex or try and get Gold status another way?
Feb 23, 2020, 7:30 pm
#145
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,740
This question got asked either in the Pointstomiles Telegram group or the Amex HK Facebook Group
I think everyone is guessing, but the interpretation I most agree with is (reference https://loyaltylobby.com/2020/02/19/...china-members/):
- you qualified for 2019-2020 Hhonors on 31 March 2019. Your original expiry is 31 March 2020. It is now extended to 31 March 2021.
- if you can keep your Platinum Card alive thru 31 March 2020, then your Hhonors will be valid to 31 March 2022. But I think you will have to pay the $7,800 fee, which is not worth.
I think everyone is guessing, but the interpretation I most agree with is (reference https://loyaltylobby.com/2020/02/19/...china-members/):
- you qualified for 2019-2020 Hhonors on 31 March 2019. Your original expiry is 31 March 2020. It is now extended to 31 March 2021.
- if you can keep your Platinum Card alive thru 31 March 2020, then your Hhonors will be valid to 31 March 2022. But I think you will have to pay the $7,800 fee, which is not worth.
Feb 23, 2020, 7:57 pm
#146
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,462
This question got asked either in the Pointstomiles Telegram group or the Amex HK Facebook Group
I think everyone is guessing, but the interpretation I most agree with is (reference https://loyaltylobby.com/2020/02/19/...china-members/):
- you qualified for 2019-2020 Hhonors on 31 March 2019. Your original expiry is 31 March 2020. It is now extended to 31 March 2021..
I think everyone is guessing, but the interpretation I most agree with is (reference https://loyaltylobby.com/2020/02/19/...china-members/):
- you qualified for 2019-2020 Hhonors on 31 March 2019. Your original expiry is 31 March 2020. It is now extended to 31 March 2021..
EDIT: HFP suggests that you keep the status until the standard expiry date even if the Amex is cancelled prior to that:
https://www.headforpoints.com/2019/0...-worth-having/
You will also retain the hotel status cards until their expiry date even if you cancel your Platinum card for a pro-rata refund.
Last edited by Kilian Zoll; Feb 23, 2020 at 8:13 pm
Feb 23, 2020, 8:24 pm
#147
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,740
Interesting. So the question is -- does my status get downgraded when I cancel the Amex or does it expire on 31 March 2019 as per standard status expiry policy? If the latter is the case, it should probably be extended automatically through Hilton's Greater China extension programme?
EDIT: HFP suggests that you keep the status until the standard expiry date even if the Amex is cancelled prior to that:
https://www.headforpoints.com/2019/0...-worth-having/
EDIT: HFP suggests that you keep the status until the standard expiry date even if the Amex is cancelled prior to that:
https://www.headforpoints.com/2019/0...-worth-having/
Feb 23, 2020, 9:39 pm
#148
Join Date: May 2006
Location: SIN
Programs: KF, MPC, BAEC // Bonvoy, WoH, Honors
Posts: 1,462
Thank you Percy, you may have just saved me 7,800 HKD. 
Feb 27, 2020, 8:24 pm
#149
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,740
Alipay:
Starting from 1/4/2020, the credit card monthly transfer limit of making transfer and sending lucky money without handling fee will be adjusted (Visa/MasterCard issuedin Hong Kong only): HKD500 for unverified account, HKD1,000 for Intermediate ID Verification and HKD2,000 for Advanced ID Verification. Any excess will be charged a handling fee of 1.5% for Bank of China credit cards and 3% for other credit cards
Starting from 1/4/2020, the credit card monthly transfer limit of making transfer and sending lucky money without handling fee will be adjusted (Visa/MasterCard issuedin Hong Kong only): HKD500 for unverified account, HKD1,000 for Intermediate ID Verification and HKD2,000 for Advanced ID Verification. Any excess will be charged a handling fee of 1.5% for Bank of China credit cards and 3% for other credit cards
Last edited by percysmith; Feb 27, 2020 at 8:53 pm
Mar 1, 2020, 8:13 am
#150
Join Date: Oct 2013
Posts: 253
Is Utility payment such as Govt Rates considered as credit card monthly transfer limit?
