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.
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