Top10Grid Ranks The 5 Top 10 Best Travel Miles Credit Cards in Hong Kong 2026

Key Statistics

Top 5 Rankings

1. 1

   Citi Prestige Card

   The Citi Prestige Card is Hong Kong's premier travel card, earning 1.33 miles per HKD on local spend and 2 miles per HKD overseas — elite earn rates that few cards match. The headline perk is the complimentary 4th night free at any hotel worldwide (unlimited, capped at actual nightly rate) — a benefit that easily offsets the HK$3,800 annual fee for cardholders who take 2-3 hotel stays per year. Points transfer to 11 airline partners including Cathay Asia Miles, Singapore KrisFlyer, and British Airways Avios. Welcome bonus: 60,000 miles (720,000 points).

2. 2

   HSBC EveryMile Credit Card

   HSBC EveryMile earns 1 RewardCash per HKD (equivalent to 0.5 mile via transfer) with no category restrictions and transfers to 18 airline programmes — the widest transfer network of any HK-issued card. The card partners directly with Cathay Pacific, enabling mile accumulation that stays in the Asia Miles ecosystem for optimal Business Class redemptions. For HK-based frequent travellers, the combination of the broad transfer network and Cathay partnership makes EveryMile the most flexible mile-earning vehicle in the market. Annual fee: HK$2,000.

3. 3

   Citi PremierMiles Card

   A step down from Prestige in price (HK$1,800 annual fee) but not in earn rate, the PremierMiles Card delivers 1.67 miles per HKD on overseas transactions — among the highest overseas earn rates of any HK card. Local spend earns 0.67 miles per HKD, and the card provides unlimited airport lounge access via Priority Pass. The 240,000 welcome bonus points (equivalent to 20,000 miles) offers immediate value. Transfer partners include Singapore Airlines, Cathay, JAL, and 8 others with no transfer fee.

4. 4

   Standard Chartered Visa Infinite Card

   Standard Chartered's Visa Infinite card targets high spenders with an earn rate of 1.5 miles per HKD on foreign currency transactions and 1 mile per HKD locally. The card's most distinctive feature is its unlimited lounge access for the cardholder and one guest — Priority Pass, Dragon Pass, and LoungeKey are all covered — making it particularly valuable for accompanying-guest scenarios that other cards charge HK$200-400 per visit. Annual fee: HK$2,500, with Priority Banking clients eligible for full fee waiver.

5. 5

   HSBC Premier Mastercard

   HSBC Premier Mastercard is the exclusive card for Premier banking customers (minimum HK$1M relationship), earning 1 RewardCash per HKD with no expiry and transferable to Asia Miles, British Airways Avios, and 16 other programmes. The card's primary value lies in its annual fee waiver (free for Premier members) combined with Priority Pass lounge access for cardholder and one guest. For HSBC Premier clients who already qualify, this is the most cost-efficient premium miles card in Hong Kong — effectively free with 2 lounge visits per year.

View the full ranking at https://dev.top10grid.com/top-10-best-travel-miles-credit-cards-in-hong-kong-2026