What are the best travel rewards credit cards in Hong Kong?

The top travel rewards credit cards in Hong Kong include options like the HSBC Visa Signature, Cathay Pacific Visa, and Standard Chartered Priority Banking Card, each offering unique miles earning rates and travel perks.

How do I choose the right travel rewards credit card in Hong Kong?

Consider your spending habits, preferred airline or hotel loyalty program, annual fees, and welcome bonuses; compare miles earn rates and redemption flexibility to find the card that aligns with your travel goals.

Are there any annual fees for travel rewards credit cards in Hong Kong?

Many premium travel rewards cards charge annual fees, though some waive the fee for the first year or if you meet a minimum spending threshold; low-income cards often have no annual fee but offer fewer rewards.

Can I earn Asia Miles with travel credit cards in Hong Kong?

Yes, several Hong Kong credit cards earn Asia Miles, such as the Cathay Pacific Visa and American Express Cathay Pacific Elite Card, allowing you to transfer points directly to your Asia Miles account.

What common perks do travel rewards credit cards in Hong Kong offer?

Common perks include airport lounge access, travel insurance, priority check-in, discounts on flights and hotels, and bonus miles on overseas spending, though specific benefits vary by card.

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

Looking for the best travel rewards credit cards in Hong Kong in 2026? We ranked 10 cards by how many airline miles you earn for every dollar spent on airfare, then weighed that against each card's annual fee — so you can see at a glance which card gets you to your next destination fastest. All earn rates are sourced directly from official bank reward programs (verified April 2026). Cast your vote below for the card you trust most!

Location: HK2026206 viewsMay 16, 2026 Updated Sep 7, 2026

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Current Rankings

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#1
DBS Black AmEx
The DBS Black AmEx dominates airfare rewards by earning 4 Asia Miles per HK$1 on bookings, outperforming (HSBC Jade Mastercard) on airfare with a clear edge. On other purchases, it still earns 1 mile per HK$1. Its annual fee of HK$3,000 is fully waivable with an annual spend of HK$500,000, a threshold 50% lower than the average premium card requiring HK$750,000+. With transfer partners spanning over 15 global carriers, it offers unmatched flexibility for frequent flyers. Verified April 2026.
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#2
HSBC Jade Mastercard
The HSBC Jade Mastercard earns 4 Cathay Pacific miles per HK$1 on airfare, plus 1 mile on dining, retail, and other purchases. Compared to the average travel rewards card in Hong Kong, this card delivers 33% more miles on dining spending, making it a strong contender for high spenders. Verified April 2026.
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#3
Citi PremierMiles
The Citi PremierMiles earns 3.5 United miles per HK$1 on airfare and 1 mile on other purchases, with an annual fee of HK$2,800—6% cheaper than (DBS Black AmEx). It boasts the widest airline partnership network among Hong Kong cards, with over 20 transfer partners, offering 50% more than the typical travel rewards card. This makes it ideal for travelers seeking maximum redemption flexibility. Verified April 2026.
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#4
Bank of China ANA Card
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.
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#5
Hang Seng Cathay Pacific Card
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.
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#6
Standard Chartered Asia Miles
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.
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#7
OCBC Titanium Rewards
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.
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#8
DBS KrisFlyer Card
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.
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#9
UOB Preferred Traveller
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.
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#10
Bank of East Asia Asia Miles
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.
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Current Rankings

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Frequently Asked Questions

How were these cards ranked? Cards are ordered by miles earned per HK$1 spent on airfare purchases, with the annual fee used as a tiebreaker. Earn rates come from each bank's official rewards page, verified in April 2026.

What is Asia Miles? Asia Miles is Cathay Pacific's frequent-flyer programme. You can redeem miles for flights, upgrades, and partner rewards. See the full guide at the [Asia Miles official site](https://www.asiamiles.com).

What is KrisFlyer? KrisFlyer is Singapore Airlines' loyalty programme. Miles earned on compatible Hong Kong cards can be redeemed for Singapore Airlines flights and Star Alliance partners.

Are these rates still current? Rates were verified against official bank programme pages in April 2026. Credit card terms can change — always confirm the current earn rate on the issuing bank's website before you apply.

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Current Rankings

DBS Black AmEx

HSBC Jade Mastercard

Citi PremierMiles

Bank of China ANA Card

Hang Seng Cathay Pacific Card

Standard Chartered Asia Miles

OCBC Titanium Rewards

DBS KrisFlyer Card

UOB Preferred Traveller

Bank of East Asia Asia Miles

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Current Rankings

DBS Black AmEx

HSBC Jade Mastercard

Citi PremierMiles

Bank of China ANA Card

Hang Seng Cathay Pacific Card

Standard Chartered Asia Miles

OCBC Titanium Rewards

DBS KrisFlyer Card

UOB Preferred Traveller

Bank of East Asia Asia Miles

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