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).