Top 10 Best Travel Rewards Credit Cards in Hong Kong

The HSBC Jade Mastercard earns 4 Cathay Pacific miles per HK$1 on airfare, plus 1 mile on dining, retail, and other purchases. Its annual fee of HK$9,800 is 70% higher than #3 (Citi PremierMiles), but it compensates with premium lounge access and elite travel benefits. 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.

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 #1 (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.

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 #3 (Citi PremierMiles). While its earning rate is 25% lower than #1 (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. Its annual fee of HK$800 is 20% cheaper than the runner-up OCBC Titanium Rewards, offering superior value for budget-conscious travelers who want consistent rewards without category restrictions. 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 #10 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 #9 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.