Top 10 Best Travel Rewards Credit Cards in Hong Kong (2026)

The Bank of China ANA Card provides 3 ANA miles per HK$1 on airfare and airline purchases, plus 1 mile on other spending, with a low annual fee of HK$1,800—36% lower than (Citi PremierMiles). While its earning rate is 25% lower than (DBS Black AmEx) on airfare, the lower fee and strong Asia-Pacific network covering 15+ routes make it a top value for regional travelers. Verified April 2026.

The Hang Seng Cathay Pacific Card leads with 2.5 Cathay Pacific miles per HK$1 on all purchases, outperforming the typical travel card's average of 2 miles per HK$1 by 25%, making it a standout daily earner. Verified April 2026 on the Hang Seng website.

The Standard Chartered Asia Miles card earns 2 Asia Miles per HK$1 on airfare, which is 0.5 miles less per dollar than the top-earning Hang Seng Cathay Pacific Card, but compensates with broad airline flexibility across multiple carriers. Its annual fee of HK$1,500 is 11% higher than this list's average of HK$1,350, making it a pricier option that suits travelers valuing network diversity over raw earning rates. Verified April 2026 on the Standard Chartered website.

The OCBC Titanium Rewards card delivers 3 airline miles per HK$1 on airfare via partner bookings, offering 50% more miles per dollar than the Hang Seng Cathay Pacific Card's 2.5 on all purchases, a significant boost for frequent flyers. Its annual fee of HK$988 is 23% lower than the Standard Chartered Asia Miles' HK$1,500, providing a cost-effective balance between high returns and low overhead for aviation-focused spending. Verified April 2026 on the OCBC website.

The DBS KrisFlyer Card earns 4 KrisFlyer miles per HK$1 on Singapore Airlines flights, a 60% premium over this list's average airfare earning rate of 2.5 miles, making it the highest earner for dedicated Singapore network travelers. However, its annual fee of HK$1,800 is 80% more than the OCBC Titanium Rewards' HK$988, a premium that pays off for those maximizing rewards on Singapore Airlines bookings. Verified April 2026 on the DBS website.

The UOB Preferred Traveller delivers 3 miles per HK$1 on airline and hotel bookings, a 50% higher reward rate than the average travel card's 2 miles. On general spending, it earns 1 mile per HK$1. Despite a HK$1,200 annual fee, first-year flight redemptions can exceed HK$3,000 in value, effectively paying for the fee 2.5 times over. Its flexible redemption system offers more freedom than Bank of East Asia Asia Miles, which ties you exclusively to Asia Miles. Verified April 2026, UOB website.

The Bank of East Asia Asia Miles card earns 2 Asia Miles per HK$1 on airfare, which is 33% more on select airline purchases than UOB Preferred Traveller's 3 miles per HK$1 on broader categories—here, UOB drops to 1 mile on non-airline spend. On all other spending, it gives 1 mile per HK$1. Its HK$1,000 annual fee is 20% cheaper than the typical rival's HK$1,250, keeping more of your travel budget for redemptions. Verified April 2026, BEA website.