Skip to content

How to quickly rack up air miles with your credit card in Hong Kong

The CardUp Team Aug 31, 2020 12:59:00 PM
How to quickly rack up air miles with your credit card in Hong Kong

With the right card, securing free flights and upgrades can be a cinch. But what about the times you’re making big monthly payments (think rent, helper’s salary, insurance, tax and more) and are missing out on rewards because the recipient doesn’t accept credit cards? Not only does CardUp provide a solution to this problem, but by signing up you’ll also gain access to a whole host of additional perks and benefits that will save you money in the long term.


Pay rent, insurance and more using your credit card

Start using CardUp for regular, large monthly payments and you’ll quickly see your air miles tally rocket. If jet-setting is a priority, be sure to utilise credit cards that offer the best dollar to mile ratio. We’ve searched the market and there are cards that offer a generous 1 mile for every HK$4 to HK$6 dollars spent uncapped. Some credit cards even have an exclusive sign up deals with partners – such as exclusive HK$500 supermarket coupons on MoneyHero.

Rent payment HK$18,000
CardUp fee HK$468
Miles you can earn Up to 3,000 miles


In other words, for a HK$18,000 rent payment, you can be earning up to 3,000 miles at a cost of only HK$468 in CardUp fees since your rent is an expense you’re already paying for today and getting no rewards on! And at that rate, you’ll quickly rack up enough air miles to open up a world of travel opportunities.


Expenses you can now pay using your credit card on CardUp

  1. Rent and rental deposit
  2. Insurance
  3. Education fees
  4. Car loans
  5. Season parking
  6. Electricity bills
  7. Helper salary
  8. Property tax
  9. Stamp duty, and more...


Example: How to earn miles quickly with my Standard Chartered Asia Miles Mastercard


Standard Chartered Asia Miles Mastercard

(1 mile per HK$6)


Monthly expenses HK$25,000
Monthly CardUp fee HK$650
Miles you can earn in a year More than 50,000 miles


If you spend HK$25,000 per month through CardUp using the Standard Chartered Asia Miles Mastercard and earn 1 mile per HK$6 during the promotional period (plus a 2.6% CardUp fee of HK$650 each month), within a year you’ll accrue at least 50,000 Miles1. That's enough for a business class return ticket to Tokyo worth HK$16,0002! Though we charge a fee, it is quickly outweighed by the amount you’d be saving on your next flight — essentially flying for 51% cheaper!


But that’s not the only way to save, here are 5 other ways to most of your earnings using CardUp.


5 other ways to make the most out of your credit card rewards 


1. Consider cashback cards

If you haven’t explored cash-back credit cards then you’re missing out! Read our guide to the best cashback cards to use with CardUp and start saving now. You can also split your payments over different cards which makes it possible to save even more on your payments annually.


2. Schedule recurring payments and save time each month

Time is money: save yours. Do you have monthly payments to make? All you need to do is log in to CardUp once and you can schedule all your recurring payments at one go – it will take you less than 5 minutes. No longer will you have to manually transfer funds or write cheques. We’ll worry about getting your payments processed on time, so you don’t have to. 


3. Enjoy CardUp's partner offers

By signing up to CardUp you’ll also unlock discounts and benefits that are tailored specifically for you through our ongoing partnerships. Enjoy offers on your groceries, delivery or home fixing services and more from our partner brands by subscribing to our newsletter!


4. Turn your home into a cash cow

In particular, by making your rental and bill payments through CardUp you’ll be able to reap rewards on big monthly payments that you’d otherwise miss out on.


5. Get access to our latest promos

We run many discounted fee offers and flash sales. When you sign up, you’ll be the first to know when we run our next promotion – that means generating even more miles at no or low cost! What are you waiting for?

Click here to sign up for a free account, log in if you're an existing user or find out how it works here.


1The amount of Mileage reward depends on the actual transaction amount.
2Figures shown are for illustrative purposes only, actual cost and redemption rates may vary by dates.

Leave a Comment