Top 10 Best Credit Cards for Asia Miles in Hong Kong 2026

The Citi PremierMiles Card is a flexible miles card rewarding spending with Citi ThankYou Points that convert to Asia Miles at a ratio of 1:1. It offers up to HK$3 per mile on local spending and HK$8 per mile on overseas dining and airfare (capped). The card suits value-conscious travelers who want a mix of high earn rates on specific categories and flexibility across multiple airline partners. A key differentiator is the generous sign-up bonus and ability to earn airport lounge access with annual spending. It also includes travel insurance and no forex fees on foreign currency transactions.

Citi PremierMiles Card - Citibank Hong Kong

The Standard Chartered Cathay Mastercard is a co-branded card focused on earning Asia Miles directly, with no conversion needed. It offers up to HK$2 per mile on foreign currency and selected categories (e.g., travel, dining), and HK$6 per mile on general spending. The card suits Cathay Pacific loyalists who want simplicity and high earn rates on travel-related expenses. A key differentiator is the co-branded status, allowing direct miles accrual and exclusive Cathay Pacific perks, including priority boarding and extra baggage allowance. Includes a welcome bonus of up to 100,000 miles.

Standard Chartered Cathay Mastercard - Standard Chartered Bank (Hong Kong)

The Hang Seng Cathay Pacific Credit Card is a co-branded card earning Asia Miles directly on all spending. It offers up to HK$4 per mile on local spending and HK$2 per mile on overseas and selected categories, with no cap on miles earned. The card suits Cathay Pacific frequent flyers who prefer direct miles and additional perks like lounge access and travel insurance. A key differentiator is the unlimited miles earning and the flexibility to also earn Fun Dollars for cashback, redeemable for other rewards. Includes a welcome bonus of up to 60,000 miles.

Hang Seng Cathay Pacific Credit Card - Hang Seng Bank

The DBS Black World Mastercard is a premium miles card earning DBS Points that convert to Asia Miles at a ratio of 1:1. It offers up to HK$4 per mile on local spending and HK$12 per mile on overseas dining, airfare, and hotels, though with caps and spending thresholds. The card suits high-income earners seeking competitive earn rates in specific categories and luxury perks. A key differentiator is the highest potential earn rate on overseas dining at HK$12 per mile, but requires careful optimization. Includes airport lounge access and concierge services.

DBS Black World Mastercard - DBS Bank Hong Kong

The Mox Credit Card by virtual bank Mox offers a flexible Asia Miles mode, allowing holders to choose to earn miles instead of cashback. It provides HK$4 per mile on all spending, with no cap, and requires no minimum income. The card suits digital-savvy users and high spenders who want simplicity and zero fees. A key differentiator is the lack of annual fee and minimum income requirement, making it one of the most accessible miles cards. Miles are converted automatically to Asia Miles via the app, but the earn rate is fixed at HK$4 per mile, which is lower than premium cards.

Mox Credit Card (Asia Miles Mode) - Mox Bank

The HSBC Cathay Pacific Credit Card is a co-branded card earning Asia Miles on all spending, with earn rates ranging from HK$2 to HK$12 per mile depending on category and card tier. It offers up to HK$2 per mile on foreign currency and HK$6 per mile on local spending, with no cap on miles. The card suits high spenders seeking direct miles and Cathay Pacific perks like lounge access and priority boarding. A key differentiator is the tiered system (Standard, Gold, and Platinum) offering increasing benefits with higher spend. Includes a welcome bonus of up to 120,000 miles.

HSBC Cathay Pacific Credit Card - HSBC

The BOC Cheers Visa Signature Card earns reward points that convert to Asia Miles at a ratio of 1:1, with earn rates up to HK$1.9 per mile on local spending and HK$1.9 per mile on overseas spending. It is designed for everyday spenders who want a straightforward miles-earning card with a low minimum income requirement. A key differentiator is the competitive HK$1.9 per mile rate on all spending, which is strong for a non-premium card. However, miles are capped at 50,000 per month, limiting high-volume spenders. Includes basic travel insurance.

BOC Cheers Visa Signature Card - Bank of China (Hong Kong)

The BEA Asia Miles Credit Card is a co-branded card earning Asia Miles on spending, with an earn rate of HK$3 per mile on local spending and HK$2 per mile on overseas spending. It offers direct miles accrual with no conversion, making it simple for Cathay Pacific users. The card suits mid-range spenders who want a straightforward card with basic travel perks like travel insurance. A key differentiator is the ability to earn unlimited miles on all spending, with a low minimum income of HK$120,000. However, the earn rate is less competitive than top-tier cards.

BEA Asia Miles Credit Card - Bank of East Asia

The American Express Explorer Card is a premium points card earning Membership Rewards (MR) points that convert to Asia Miles at a ratio of 1:1. It offers up to HK$1 per mile on all spending, with no cap, and includes impressive sign-up bonuses of up to 72,000 miles. The card suits high-income individuals who value luxury perks, including airport lounge access with Priority Pass, travel credits, and concierge service. A key differentiator is the guaranteed HK$1 per mile rate on every transaction, but the high annual fee of HK$2,400 and income requirement of HK$300,000 restrict its audience.

American Express Explorer Card - American Express Hong Kong