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

The Citi PremierMiles Card is a popular choice for Asia Miles enthusiasts in Hong Kong, offering a transferable points system that converts to Asia Miles at a rate of HK$3 per mile for local spending and HK$2 per mile for airfare and hotel bookings. It suits high-spenders who prioritize flexibility and travel perks, including airport lounge access. The key differentiator is its competitive earn rate on travel-related spending and a broad network of transfer partners, making it versatile for maximizing rewards across diverse categories.

Citi PremierMiles Card - Citibank

The DBS Black World Mastercard is a strong contender for earning Asia Miles in Hong Kong, with a DBS$ system convertible to miles at rates up to HK$4 per mile on general spending and as low as HK$2 per mile on dining and online shopping. It suits those who spend heavily on dining and e-commerce, offering a welcome bonus of up to 50,000 miles. The key differentiator is its exceptional rewards on dining categories, providing one of the best earn rates for food enthusiasts.

DBS Black World Mastercard - DBS Bank

The Hang Seng Cathay Pacific Credit Card is a co-branded card that directly earns Cathay Pacific Asia Miles at a rate of HK$6 per mile for general spending, but offers accelerated rates of HK$2 per mile on Cathay Pacific purchases and dining. It suits loyal Cathay Pacific flyers who want seamless integration with their frequent flyer account. The key differentiator is the automatic mile accrual into Asia Miles without manual transfers, plus bonus miles on direct flights and dining.

Hang Seng Cathay Pacific Credit Card - Hang Seng Bank

The Standard Chartered Cathay Mastercard is a direct co-branded card earning Asia Miles at rates of HK$4 per mile for general spending and HK$2 per mile on Cathay Pacific purchases and overseas transactions. It suits mid-to-high spenders who value a straightforward earning structure without manual transfers. The key differentiator is the competitive rate of HK$2 per mile on foreign currency spending, making it a top choice for frequent overseas travelers.

Standard Chartered Cathay Mastercard - Standard Chartered Bank

The BOC Cheers Visa Signature Card offers a competitive earn rate of HK$1.9 per mile for general spending, with additional bonuses on designated categories like dining and online shopping. It suits cost-conscious earners who want a simple, all-around card with no cap on miles. The key differentiator is the flat low rate of HK$1.9 per mile without category restrictions, making it one of the most straightforward cards for accumulating Asia Miles efficiently.

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

The BEA Asia Miles Credit Card offers direct Asia Miles earnings at a rate of HK$5 per mile for general spending, with bonuses on travel and dining purchases. It suits BEA customers who value integration with the bank's ecosystem and a straightforward rewards program. The key differentiator is its targeted promotions for BEA account holders, often including extra miles on selected merchants, though the base rate is less competitive.

BEA Asia Miles Credit Card - Bank of East Asia

The Mox Credit Card offers a virtual-only option with an Asia Miles earning rate of HK$4 per mile on all spending, with no annual fee and no minimum income requirement. It suits digital-first, budget-conscious earners who prefer a simple, fee-free card. The key differentiator is its absence of annual fees and income thresholds, making it highly accessible, though the earn rate is average.

Mox Credit Card (Asia Miles) - Mox Bank

The American Express Explorer Credit Card offers a flat earn rate of HK$1 per Membership Rewards point, which converts to Asia Miles at a 1:1 ratio, but with a fee of HK$200 per transfer. It suits luxury spenders who want premium benefits like 8 complimentary lounge visits and high-end insurance. The key differentiator is its exceptional travel perks and a promotional welcome of up to 72,000 miles, though the transfer fee reduces value.

American Express Explorer Credit Card - American Express

The HSBC Cathay Pacific Credit Card is a co-branded option earning Asia Miles at a rate of HK$6 per mile for general spending, with accelerated earning on Cathay Pacific purchases and dining. It suits loyal HSBC customers who want integration with the HSBC RewardCash system. The key differentiator is the ability to combine spending across HSBC accounts for faster mile accumulation, though the base rate is weak.

HSBC Cathay Pacific Credit Card - HSBC

The Citi PremierMiles Card is a popular choice for Asia Miles enthusiasts in Hong Kong, offering a transferable points system that converts to Asia Miles at a rate of HK$3 per mile for local spending and HK$2 per mile for airfare and hotel bookings. It suits high-spenders who prioritize flexibility and travel perks, including airport lounge access. The key differentiator is its competitive earn rate on travel-related spending and a broad network of transfer partners, making it versatile for maximizing rewards across diverse categories.

Citi PremierMiles Card - Citibank

The DBS Black World Mastercard is a strong contender for earning Asia Miles in Hong Kong, with a DBS$ system convertible to miles at rates up to HK$4 per mile on general spending and as low as HK$2 per mile on dining and online shopping. It suits those who spend heavily on dining and e-commerce, offering a welcome bonus of up to 50,000 miles. The key differentiator is its exceptional rewards on dining categories, providing one of the best earn rates for food enthusiasts.

DBS Black World Mastercard - DBS Bank

The Hang Seng Cathay Pacific Credit Card is a co-branded card that directly earns Cathay Pacific Asia Miles at a rate of HK$6 per mile for general spending, but offers accelerated rates of HK$2 per mile on Cathay Pacific purchases and dining. It suits loyal Cathay Pacific flyers who want seamless integration with their frequent flyer account. The key differentiator is the automatic mile accrual into Asia Miles without manual transfers, plus bonus miles on direct flights and dining.

Hang Seng Cathay Pacific Credit Card - Hang Seng Bank

The Standard Chartered Cathay Mastercard is a direct co-branded card earning Asia Miles at rates of HK$4 per mile for general spending and HK$2 per mile on Cathay Pacific purchases and overseas transactions. It suits mid-to-high spenders who value a straightforward earning structure without manual transfers. The key differentiator is the competitive rate of HK$2 per mile on foreign currency spending, making it a top choice for frequent overseas travelers.

Standard Chartered Cathay Mastercard - Standard Chartered Bank

The BOC Cheers Visa Signature Card offers a competitive earn rate of HK$1.9 per mile for general spending, with additional bonuses on designated categories like dining and online shopping. It suits cost-conscious earners who want a simple, all-around card with no cap on miles. The key differentiator is the flat low rate of HK$1.9 per mile without category restrictions, making it one of the most straightforward cards for accumulating Asia Miles efficiently.

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

The BEA Asia Miles Credit Card offers direct Asia Miles earnings at a rate of HK$5 per mile for general spending, with bonuses on travel and dining purchases. It suits BEA customers who value integration with the bank's ecosystem and a straightforward rewards program. The key differentiator is its targeted promotions for BEA account holders, often including extra miles on selected merchants, though the base rate is less competitive.

BEA Asia Miles Credit Card - Bank of East Asia

The Mox Credit Card offers a virtual-only option with an Asia Miles earning rate of HK$4 per mile on all spending, with no annual fee and no minimum income requirement. It suits digital-first, budget-conscious earners who prefer a simple, fee-free card. The key differentiator is its absence of annual fees and income thresholds, making it highly accessible, though the earn rate is average.

Mox Credit Card (Asia Miles) - Mox Bank

The American Express Explorer Credit Card offers a flat earn rate of HK$1 per Membership Rewards point, which converts to Asia Miles at a 1:1 ratio, but with a fee of HK$200 per transfer. It suits luxury spenders who want premium benefits like 8 complimentary lounge visits and high-end insurance. The key differentiator is its exceptional travel perks and a promotional welcome of up to 72,000 miles, though the transfer fee reduces value.

American Express Explorer Credit Card - American Express

The HSBC Cathay Pacific Credit Card is a co-branded option earning Asia Miles at a rate of HK$6 per mile for general spending, with accelerated earning on Cathay Pacific purchases and dining. It suits loyal HSBC customers who want integration with the HSBC RewardCash system. The key differentiator is the ability to combine spending across HSBC accounts for faster mile accumulation, though the base rate is weak.

HSBC Cathay Pacific Credit Card - HSBC