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Credit card Asia Miles earning opportunities (HK) 2020

Credit card Asia Miles earning opportunities (HK) 2020

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Old Aug 15, 20, 11:20 am   -   Wikipost
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Last edit by: derek2010
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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 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)

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. 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

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Old Sep 8, 20, 10:26 pm
  #331  
 
Join Date: Sep 2019
Posts: 14
Originally Posted by theworld View Post
I used KeyChain for the first time this week and got the 4% cashback, so it worked this month. Let's see if it works next month. Do keep us updated as to what KeyChain say.

One thing about RC and cashback. I can use RC to pay a specific transaction, if I do so, will I lose the RC I received for that transaction?
They just confirmed me that they are not considered as online bill payment. Great!
adrien240 is offline  
Old Sep 9, 20, 12:07 am
  #332  
 
Join Date: Jan 2011
Location: Hong Kong
Programs: CX
Posts: 1,887
Originally Posted by percysmith View Post
https://www.redhotoffers.hsbc.com.hk...ent-promotion/

1% is $10/AM (rebate will arrive 31 January 2021, not in time to use above bonus), so $1.25/AM CUP and $2/AM at least.

Need to accumulate $8,000 transactions at least (these need not be mobile payment themselves)

Max $10,000 on the mobile payment part
$10,000 on mobile payments is quite generous especially since it seems Red is included? E.g. for groceries: You get 5% from this offer, 2% from basic super market offers and then an additional $50 coupon from PnS spending above 500.

So if I spent $500 at a PnS store, I would essentially be getting $25 + $10 + $50 = $85 back, which is 17%.
CX HK is offline  
Old Sep 9, 20, 7:44 am
  #333  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,737
Originally Posted by CX HK View Post
$10,000 on mobile payments is quite generous especially since it seems Red is included? E.g. for groceries: You get 5% from this offer, 2% from basic super market offers and then an additional $50 coupon from PnS spending above 500.

So if I spent $500 at a PnS store, I would essentially be getting $25 + $10 + $50 = $85 back, which is 17%.
I have better uses for PnS spending - $0.8/AM for UnionPay App on wifeís Diamond Prestige. Weíve even been sharing a login
percysmith is offline  
Old Sep 16, 20, 9:53 am
  #334  
 
Join Date: Nov 2012
Programs: SPG Platinum
Posts: 1,271
Where are we going for cashback in this current environment when miles are of limited value?
Isochronous is offline  
Old Sep 17, 20, 1:10 am
  #335  
 
Join Date: Feb 2005
Location: Hong Kong
Posts: 1,997
Originally Posted by Isochronous View Post
Where are we going for cashback in this current environment when miles are of limited value?
There was a great thread started by percysmith on HKCard forums about this, but it hasn't been updated for quite a while. Could be a good starting point though:

https://www.hongkongcard.com/forum/show/4979?page=1
theworld is offline  
Old Sep 17, 20, 1:24 am
  #336  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,737
TL;DR: if a merchant doesn't accept Unionpay app, V/M Apple Pay, Alipay or Wechat, I get instant major depression on payment.

La Vache had to watch me attempt to pay by Apple Pay "no sir, the mobile reader is for Amex only", JCB ("PIN Please" "Sorry not accepted" (I think they tried to process it as Unionpay) before I handed over a Visa
percysmith is offline  
Old Sep 18, 20, 12:44 am
  #337  
 
Join Date: Jan 2011
Location: Hong Kong
Programs: CX
Posts: 1,887
Originally Posted by Isochronous View Post
Where are we going for cashback in this current environment when miles are of limited value?
What cards are you holding currently? Or you don't mind opening new cards?
CX HK is offline  
Old Sep 18, 20, 6:21 am
  #338  
 
Join Date: Aug 2013
Location: HKG
Programs: CX DM, Watsons Wine Burgundy
Posts: 409
Originally Posted by percysmith View Post
TL;DR: if a merchant doesn't accept Unionpay app, V/M Apple Pay, Alipay or Wechat, I get instant major depression on payment.
Now with summer casual clothes due to the heat and very few in person meetings, elimination of octopus cards at long last, I go out with just my phone. Touch wood Iíve not accidentally ended up in a restaurant that doesnít accept Apple Pay or one of the QR code. Also since Iím trying to stick with lower budget joints too!
jacobsleather is offline  
Old Sep 19, 20, 12:09 pm
  #339  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,737
Originally Posted by jacobsleather View Post
Now with summer casual clothes due to the heat and very few in person meetings, elimination of octopus cards at long last, I go out with just my phone. Touch wood I’ve not accidentally ended up in a restaurant that doesn’t accept Apple Pay or one of the QR code. Also since I’m trying to stick with lower budget joints too!
Actually even sit-down lunches near the office are getting very good with mobile pay; it's just weekend meals with the wife where the restaurants get mobile pay-challenged.

BEA has a promo which rebates you $200 for $10,000 spending this month, I've done up my Flyer World on non-dining spending and well on my way to filling my Visa Signature with dining spending.
percysmith is offline  
Old Sep 19, 20, 8:37 pm
  #340  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,737
Wifey officially changed out her SCB AM $4/AM for Citi Cash Back 2% cash rebate this morn. Ergo, the price which we will "bid" for AM is now <$0.08.

I changed out my dining card for BEA Visa Signatures 6X for years now.
percysmith is offline  
Old Sep 19, 20, 9:28 pm
  #341  
 
Join Date: Aug 2013
Location: HKG
Programs: CX DM, Watsons Wine Burgundy
Posts: 409
Not sure why HK hasn't adopted the concept of bringing the wireless card reader to the table. I'm inclined now to take the bill folder to the terminal to see the card processing occur with my own eyes. If anything just to indicate that I don't like my card being taken away from me, and also to see if the Apple Pay reader is there.
jacobsleather is offline  
Old Sep 19, 20, 10:07 pm
  #342  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,737
Originally Posted by jacobsleather View Post
Not sure why HK hasn't adopted the concept of bringing the wireless card reader to the table. I'm inclined now to take the bill folder to the terminal to see the card processing occur with my own eyes. If anything just to indicate that I don't like my card being taken away from me, and also to see if the Apple Pay reader is there.
I think HK banks have been cheapskate. They could have easily tore out all those phone jack terminals and handed every customer a 4G-connected mobile terminal like the ones in New Zealand. The only reason they don't do that I can think of is cost avoidance, if not technological incompetence in their IT departments.

They also skimp on the training - servers sometimes seem reluctant to collect by mobile reader even when they have them. So I have to look out for which terminals restaurants use or make special trips to the cashier to find out. Not always socially possible depending on the company I have for that lunch/dinner (same difficulty as fighting a DCC).
percysmith is offline  
Old Sep 20, 20, 9:49 am
  #343  
 
Join Date: Nov 2012
Programs: SPG Platinum
Posts: 1,271
Originally Posted by CX HK View Post
What cards are you holding currently? Or you don't mind opening new cards?
Happy to open new cards. I haven't been chasing cashback for a long time so haven't looked closely although I'm going to guess Citi or SC?
Isochronous is offline  
Old Sep 21, 20, 12:10 am
  #344  
 
Join Date: Feb 2005
Location: Hong Kong
Posts: 1,997
Originally Posted by Isochronous View Post
Happy to open new cards. I haven't been chasing cashback for a long time so haven't looked closely although I'm going to guess Citi or SC?
Each person will be different, but for me it's roughly as follows:
Local
HSBC Red - 4% online
HSBC Signature - 3.6% set to dining
CCB Eye (Paywave up to HKD1k) - 2%
SCB Simply Cash - 1.5% (including AAVS and bill payments via Alipay)

Overseas (when that starts again)
HSBC Red - 4% online
SCB Simply Cash - 2%

I also have Citi Prestige and Citi Rewards cards, but will probably scrap them soon.

Still trying to figure out how to deal with insurance payments with what I have already.
theworld is offline  
Old Sep 21, 20, 6:14 am
  #345  
Ambassador, Hong Kong and Macau
 
Join Date: May 2009
Location: HKG
Programs: Asia Miles. Not bothering to join Marco Polo.
Posts: 16,737
Deliveroo/Foodpanda in-app: BEA i-Titanium 13.4%
Fast Food mobile pay: BEA -Titanium 10.4%
Mobile Pay: BoC Sogo VS 5.4%
Online and Paypal: Red 4%
Alipay real spend and bill pay: BEA -Titanium 3..4%
Dining: BEA VS 2.4% in coupon
General/AAVS: Simply Cash 1.5%
percysmith is offline  

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