Jan 3, 2021, 1:32 am
Last edit by: sxc
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) 2021
Jan 24, 2021, 6:46 pm
#16
Join Date: Jan 2021
Posts: 2
I wanted to apply for the recommended BEA Flyer World Mastercard, but there's no 'Apply Now' button on the card's page. Maybe they are discontinuing it..?
The 'BEA World Mastercard' seems to be the same $5/mile for all spending. Is that a fair assessment? Is it worth getting?
The 'BEA World Mastercard' seems to be the same $5/mile for all spending. Is that a fair assessment? Is it worth getting?
Jan 24, 2021, 8:05 pm
#17
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,800
World MC replaced Flyer World but is otherwise the same (if you choose the miles option (the dining option precludes subsequent redemption into miles))
World MC used to require BEA Private Bank to apply but it is no longer the case now (however, you still need to be their banking customer to qualify for annual fee waiver - even their most basic savings account)
World MC used to require BEA Private Bank to apply but it is no longer the case now (however, you still need to be their banking customer to qualify for annual fee waiver - even their most basic savings account)
Jan 24, 2021, 8:10 pm
#18
Join Date: Jan 2021
Posts: 2
World MC used to require BEA Private Bank to apply but it is no longer the case now (however, you still need to be their banking customer to qualify for annual fee waiver - even their most basic savings account)
Feb 11, 2021, 7:42 pm
#19
Join Date: Aug 2013
Location: HKG
Programs: CX DM, Watsons Wine Burgundy
Posts: 415
Seems fees are going up for BEA Flyer World Mastercard.
https://t.mkg.hkbea.com/activities_w...bf7900019082d9
Wonder if there will be "manual" fee waiver, ie like we must do with HSBC - call up and navigate the phone tree to apply for fee waiver once a year. I have never paid a card fee in Hong Kong in >10 years.
https://t.mkg.hkbea.com/activities_w...bf7900019082d9
Wonder if there will be "manual" fee waiver, ie like we must do with HSBC - call up and navigate the phone tree to apply for fee waiver once a year. I have never paid a card fee in Hong Kong in >10 years.
Effective from 24th April 2021, the following fees and charges will be amended for BEA World MasterCard:
Annual Fee Principal Card: HK$1,800 Supplementary Card: HK$900
Effective from 24th April 2021, the following fees and charges will be amended for All BEA Credit Cards (except the BEA Corporate Card and BEA SupremeGold World Mastercard):
Annual fee waiver to principal cardholders who maintain a valid designated BEA account will no longer be applicable (including all relevant supplementary cards).
Remark: Designated accounts include all deposit accounts, payroll accounts, mortgage loans, consumer loans, and MPF accounts.
Annual Fee Principal Card: HK$1,800 Supplementary Card: HK$900
Effective from 24th April 2021, the following fees and charges will be amended for All BEA Credit Cards (except the BEA Corporate Card and BEA SupremeGold World Mastercard):
Annual fee waiver to principal cardholders who maintain a valid designated BEA account will no longer be applicable (including all relevant supplementary cards).
Remark: Designated accounts include all deposit accounts, payroll accounts, mortgage loans, consumer loans, and MPF accounts.
Feb 11, 2021, 9:02 pm
#20
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,800
Seems fees are going up for BEA Flyer World Mastercard.
https://t.mkg.hkbea.com/activities_w...bf7900019082d9
Wonder if there will be "manual" fee waiver, ie like we must do with HSBC - call up and navigate the phone tree to apply for fee waiver once a year. I have never paid a card fee in Hong Kong in >10 years.
https://t.mkg.hkbea.com/activities_w...bf7900019082d9
Wonder if there will be "manual" fee waiver, ie like we must do with HSBC - call up and navigate the phone tree to apply for fee waiver once a year. I have never paid a card fee in Hong Kong in >10 years.
You can spend your way into a waiver, like my BEA bank-account less mother
Feb 11, 2021, 9:52 pm
#21
Join Date: Aug 2013
Location: HKG
Programs: CX DM, Watsons Wine Burgundy
Posts: 415
I will probably be cutting up this card now, hard to justify the fee just for the miles, no other real perks.
Feb 11, 2021, 10:03 pm
#22
Join Date: Aug 2013
Location: HKG
Programs: CX DM, Watsons Wine Burgundy
Posts: 415
Feb 12, 2021, 12:19 am
#23
Join Date: Jan 2011
Posts: 2,345
BEA putting in this charge is really to get rid of people who hold the card for nothing else but the occasional promos, then just hitting the minimum spend for these promos.
Feb 12, 2021, 1:46 am
#24
Join Date: Aug 2013
Location: HKG
Programs: CX DM, Watsons Wine Burgundy
Posts: 415
Feb 12, 2021, 9:41 pm
#25
Join Date: Nov 2012
Posts: 804
Just wondering if you guys have any recommendations on a credit card that has no oversea charges?
I found is the "CNCBI GBA Dual Currency Credit Card"
However, when I checked furthur here: https://www.cncbinternational.com/_d...facts-stmt.pdf
They do not say anything with regards to Fees relating to Foreign Currency Transaction?
I also just found the "Standard Chartered Smart Credit Card" which does not seem to actually charge any fees - would anyone recommend this card? Transactions will mostly be done in USD
Thanks
I found is the "CNCBI GBA Dual Currency Credit Card"
However, when I checked furthur here: https://www.cncbinternational.com/_d...facts-stmt.pdf
They do not say anything with regards to Fees relating to Foreign Currency Transaction?
I also just found the "Standard Chartered Smart Credit Card" which does not seem to actually charge any fees - would anyone recommend this card? Transactions will mostly be done in USD
Thanks
Feb 12, 2021, 11:08 pm
#26
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,800
Smart is the only HK-issued V/M that offers a full, ungimmicky waiver on the 1.95%. And lets you earn a basic 180:1 (0.56%) rebate on top of it (but getting the rebate out of the rebate account into your credit card statement is deliberately troublesome https://www.hongkongcard.com/forum/show/33868?page=3 )
I remember Public Bank used to have on the Plat Visa "no added fee" which means they forgo the 0.95% but still pass on the 1.00% from V/M.
Citi Cash Back 2%/SCB Simply Cash 2%/SCB Executive Platinum 2% overseas rebate you the fee but do not add on any earn on top of it.
I do not count CUP "no foreign currency conversion fee" as an apples-to-apples comparison to V/M because a) acceptance and b) Unionpay rates are up to 0.5% higher than V/M before fee.
I remember Public Bank used to have on the Plat Visa "no added fee" which means they forgo the 0.95% but still pass on the 1.00% from V/M.
Citi Cash Back 2%/SCB Simply Cash 2%/SCB Executive Platinum 2% overseas rebate you the fee but do not add on any earn on top of it.
I do not count CUP "no foreign currency conversion fee" as an apples-to-apples comparison to V/M because a) acceptance and b) Unionpay rates are up to 0.5% higher than V/M before fee.
Last edited by percysmith; Feb 12, 2021 at 11:17 pm
Feb 15, 2021, 8:10 am
#27
Join Date: Jul 2013
Posts: 812
Bank of China Taobao World Mastercard also waives the 1.95% overseas spending handling fee (terms and conditions of this waiver available here). No annual fee. HK$15 = 1 Asia Mile / HK$8 = 1 PhoenixMile / HK$12 = 1 Eastern Mile.
Edit: China Construction Bank (Asia) Virtual Credit Card also waives the 1.95% foreign currency transaction fee. HK$50 cash rebate for HK$3,000 accumulated spending amount.
Edit: China Construction Bank (Asia) Virtual Credit Card also waives the 1.95% foreign currency transaction fee. HK$50 cash rebate for HK$3,000 accumulated spending amount.
Last edited by paul00; Feb 15, 2021 at 8:19 am
Feb 18, 2021, 6:49 am
#28
Join Date: Jan 2011
Posts: 2,345
AMEX has launched a new card called the Explorer card: https://www.americanexpress.com/hk/e...er-credit-card
Essentially it gives $5 = 1 mile, but instead of just limiting it to Asia Miles / Cathay Pacific it now includes 10 partner airlines: https://www.americanexpress.com/en-h...ravel/airlines
Essentially it gives $5 = 1 mile, but instead of just limiting it to Asia Miles / Cathay Pacific it now includes 10 partner airlines: https://www.americanexpress.com/en-h...ravel/airlines
Feb 21, 2021, 3:00 am
#30
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,800
https://www.flyertalk.com/forum/cath...l#post33051365
Mea culpa
Originally I’ve been routing all my Uber transactions thru PayPal - PayPal seems to be 4% on Red regardless of the underlying merchant, direct billing by Uber seems to be on and off for online.
And I have been earning 4% all the way to 20 Jan.
But when I got my Feb statements, I noticed there was missing Rewardcash. Since there weren’t many transactions on the statement, a CS agent quickly traced the non-online transactions to Uber as well as Ubereats after 21 Jan.
The agent did not offer any explanation why a transaction in one week count but not the next “the system says so”/“it is what it is”.
I troubleshoot PayPal and noticed Uber was under category “Automatic Payment”.
I was done changing my two accounts over to CCB JD when the missus walked in and asked why was I changing my Uber setup.
I explained what I found, and she opened her HSBC Internet Banking for me to check. She wasn’t missing 4% from her Uber rides - any of them (there were three in the last statement cycle).
I then dig deeper and realised she didn’t route her Uber transactions thru PayPal.
I quickly disabled my PayPal linkages to Uber and entered my Red cards directly into Uber. Hopefully that’ll solve things until next time someone tinkers with the system.
Originally I’ve been routing all my Uber transactions thru PayPal - PayPal seems to be 4% on Red regardless of the underlying merchant, direct billing by Uber seems to be on and off for online.
And I have been earning 4% all the way to 20 Jan.
But when I got my Feb statements, I noticed there was missing Rewardcash. Since there weren’t many transactions on the statement, a CS agent quickly traced the non-online transactions to Uber as well as Ubereats after 21 Jan.
The agent did not offer any explanation why a transaction in one week count but not the next “the system says so”/“it is what it is”.
I troubleshoot PayPal and noticed Uber was under category “Automatic Payment”.
I was done changing my two accounts over to CCB JD when the missus walked in and asked why was I changing my Uber setup.
I explained what I found, and she opened her HSBC Internet Banking for me to check. She wasn’t missing 4% from her Uber rides - any of them (there were three in the last statement cycle).
I then dig deeper and realised she didn’t route her Uber transactions thru PayPal.
I quickly disabled my PayPal linkages to Uber and entered my Red cards directly into Uber. Hopefully that’ll solve things until next time someone tinkers with the system.