Miles & Cards

Featured · Card essentials

Miles or cashback? Start with how you spend.

Compare earning rates and caps under one spend scenario, keep annual fees separate, and calculate a personal net value only after you provide a mile valuation.

5 min readRead the guide

THE READING LIST

Miles & card guides

All guides

5 min read

Compare card rewards without hiding fees inside miles

Compare earning rates and caps under one spend scenario, keep annual fees separate, and calculate a personal net value only after you provide a mile valuation.

4 min read

Six rules to check before transferring points

Minimum blocks, ratios, fees, processing time, expiry, and irreversibility determine how many miles are truly usable.

6 min read

Multi-segment award estimates: inspect every segment

Outbound, return, open-jaw, mixed-cabin, and partner flights can use different rules; the total must be built from visible per-segment results.

5 min read

Keep insurance cover separate from promotional rewards

Compare cover, premium, exclusions, waiting periods, and claims arrangements first, then inspect any short-term promotion separately.

CARDS & REWARDS

Credit cards & cashback

Compare side by side

Compare spending categories, reward caps and annual fees to find a suitable reward type.

Card directoryFilter by issuer, fees and spend category Miles programmesExplore transfers and redemption rules Welcome & limited-time offersCheck eligibility, terms and dates

Loading card information…

PARTNER LINK · TRIP.COM

Start looking for your next flight and stay.

Explore flights, hotels and other travel booking options on Trip.com.

HomeHK may receive a commission on eligible bookings through this partner link. Trip.com handles bookings, payments and support.

Open Trip.com (new tab)

MAKE A PLAN

Your miles-earning plan

Back to guides

On-device estimator

Model the plan, then verify the official terms

All figures come from your inputs. No card offer is assumed, and inputs are neither sent nor saved. Defaults only demonstrate the calculation.

Shared target

Both scenarios use the same spending and miles target for a direct comparison.

Monthly eligible spendCurrent milesmilesTarget milesmiles

Plan A

Enter the official bank terms; a blank cap means no cap.

Spend per mile/ mileMonthly eligible capMonthly bonus milesmilesOne-off welcome/transfer bonusmiles

Monthly1,666

First-year earn19,992

Year-one balance19,992

To target16 mo

The model assumes monthly bonuses post every month and one-off bonuses are immediately available. Adjust for actual registration, spending windows, posting dates and caps in the official terms.

Plan B

Higher gross estimate

Enter the official bank terms; a blank cap means no cap.

Spend per mile/ mileMonthly eligible capMonthly bonus milesmilesOne-off welcome/transfer bonusmiles

Monthly2,000

First-year earn24,000

Year-one balance24,000

To target13 mo

The model assumes monthly bonuses post every month and one-off bonuses are immediately available. Adjust for actual registration, spending windows, posting dates and caps in the official terms.

Points-to-miles converter

Enter the official conversion ratio; results round down.

Card or loyalty pointspointsPoints per milepts / mile

Estimated conversion555 miles

Estimate, not a promise

Results exclude ineligible transactions, minimum transfer blocks, fees, annual fees, expiry, award-seat availability, taxes, and surcharges. Current bank and airline terms prevail.

Use credit only when you can repay in full on time; interest and fees may exceed any reward value.

View sourced offers Cathay official redemption search

Featured · Card essentials

Miles or cashback? Start with how you spend.

Compare earning rates and caps under one spend scenario, keep annual fees separate, and calculate a personal net value only after you provide a mile valuation.

5 min readRead the guide

THE READING LIST

Miles & card guides

All guides

5 min read

Compare card rewards without hiding fees inside miles

Compare earning rates and caps under one spend scenario, keep annual fees separate, and calculate a personal net value only after you provide a mile valuation.

4 min read

Six rules to check before transferring points

Minimum blocks, ratios, fees, processing time, expiry, and irreversibility determine how many miles are truly usable.

6 min read

Multi-segment award estimates: inspect every segment

Outbound, return, open-jaw, mixed-cabin, and partner flights can use different rules; the total must be built from visible per-segment results.

5 min read

Keep insurance cover separate from promotional rewards

Compare cover, premium, exclusions, waiting periods, and claims arrangements first, then inspect any short-term promotion separately.

CARDS & REWARDS

Credit cards & cashback

Compare side by side

Compare spending categories, reward caps and annual fees to find a suitable reward type.

Card directoryFilter by issuer, fees and spend category Miles programmesExplore transfers and redemption rules Welcome & limited-time offersCheck eligibility, terms and dates

Loading card information…

PARTNER LINK · TRIP.COM

Start looking for your next flight and stay.

Explore flights, hotels and other travel booking options on Trip.com.

HomeHK may receive a commission on eligible bookings through this partner link. Trip.com handles bookings, payments and support.

Open Trip.com (new tab)

MAKE A PLAN

Your miles-earning plan

Back to guides

On-device estimator

Model the plan, then verify the official terms

All figures come from your inputs. No card offer is assumed, and inputs are neither sent nor saved. Defaults only demonstrate the calculation.

Shared target

Both scenarios use the same spending and miles target for a direct comparison.

Monthly eligible spendCurrent milesmilesTarget milesmiles

Plan A

Enter the official bank terms; a blank cap means no cap.

Spend per mile/ mileMonthly eligible capMonthly bonus milesmilesOne-off welcome/transfer bonusmiles

Monthly1,666

First-year earn19,992

Year-one balance19,992

To target16 mo

The model assumes monthly bonuses post every month and one-off bonuses are immediately available. Adjust for actual registration, spending windows, posting dates and caps in the official terms.

Plan B

Higher gross estimate

Enter the official bank terms; a blank cap means no cap.

Spend per mile/ mileMonthly eligible capMonthly bonus milesmilesOne-off welcome/transfer bonusmiles

Monthly2,000

First-year earn24,000

Year-one balance24,000

To target13 mo

The model assumes monthly bonuses post every month and one-off bonuses are immediately available. Adjust for actual registration, spending windows, posting dates and caps in the official terms.

Points-to-miles converter

Enter the official conversion ratio; results round down.

Card or loyalty pointspointsPoints per milepts / mile

Estimated conversion555 miles

Estimate, not a promise

Results exclude ineligible transactions, minimum transfer blocks, fees, annual fees, expiry, award-seat availability, taxes, and surcharges. Current bank and airline terms prevail.

Use credit only when you can repay in full on time; interest and fees may exceed any reward value.

View sourced offers Cathay official redemption search

Miles & Cards

Everyday spending. Your next journey.

Miles or cashback? Start with how you spend.

Miles & card guides

Compare card rewards without hiding fees inside miles

Six rules to check before transferring points

Multi-segment award estimates: inspect every segment

Keep insurance cover separate from promotional rewards

Credit cards & cashback

Start looking for your next flight and stay.

Your miles-earning plan

Model the plan, then verify the official terms

Miles & Cards

Everyday spending. Your next journey.

Miles or cashback? Start with how you spend.

Miles & card guides

Compare card rewards without hiding fees inside miles

Six rules to check before transferring points

Multi-segment award estimates: inspect every segment

Keep insurance cover separate from promotional rewards

Credit cards & cashback

Start looking for your next flight and stay.

Your miles-earning plan

Model the plan, then verify the official terms