Top 10 Best Travel Miles Credit Cards in Hong Kong 2026

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.

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.

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.

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.

The co-branded Cathay Mastercard, issued by DBS Bank HK, earns Asia Miles directly at 1.5 miles per HKD on Cathay flights and Cathay Pacific Shopping, and 0.5 miles per HKD on all other spend. The card's distinguishing feature is automatic Cathay membership status perks — including priority flight upgrade waitlisting and bonus miles on Cathay bookings — and the ability to earn miles that go directly into the Asia Miles account without conversion delays or minimum redemption thresholds.

For frequent travellers to Mainland China, the BOC HK UnionPay Diamond Card earns double UnionPay bonus points on CNY transactions and provides comprehensive lounge access at 500+ mainland airports — a network no Visa or Mastercard lounge product can match in China. The card charges zero FX conversion fee on CNY transactions and provides CNY cash advances at preferential rates. For HK-Mainland commuters who split their year between HK and GBA cities, this is the most practical companion card to a Visa/MC miles card.

Hang Seng's Travel+ Card earns 2 miles per HKD on overseas transactions (any currency) and 1 mile per HKD locally, with a competitive annual fee of HK$1,800 and a complimentary Priority Pass membership. The welcome offer of 20,000 miles for new applicants meets a reasonable HK$6,000 first-month spend. The card transfers to Asia Miles and KrisFlyer and has no minimum redemption unit — even 1,000 miles can be redeemed as cash credit, providing a liquidity floor for points that might not reach a flight redemption threshold.

The American Express Cathay Pacific co-branded card directly earns Asia Miles at 1.25 miles per HKD on Cathay purchases and 0.5 miles per HKD elsewhere. While Amex acceptance is narrower in HK than Visa/MC, the card provides Cathay-specific benefits including priority flight upgrade waitlisting and bonus miles on Cathay bookings. The annual fee of HK$1,800 includes an annual Asia Miles bonus of 5,000 miles — which at Asia Miles' standard redemption value justifies the fee for any cardholder making even one Cathay redemption per year.

OCBC HK's Titanium Rewards card offers 10X OCBC$ (equivalent to 4% rebate convertible to miles) on retail and overseas spending with zero annual fee for the first two years — competitive with paid premium cards in the miles earn-rate comparison. Points transfer to KrisFlyer with no transfer fee and never expire. For fee-averse miles beginners, this offers a sustainable, cost-free entry into the miles ecosystem with a genuine path to Business Class redemptions via the Singapore Airlines award chart.