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.
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