HSBC EveryMile Credit Card
HSBC

HSBC EveryMile Credit Card Calculator

Best for: Miles collectors who spend regularly on transport, cafés, and travel, and want flexible redemption across 13+ airline programs

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Designated Merchants 2.5% cashback - Café, light meals, transport, travel
HKD
2.5% HKD 0
Supermarket Spending 0.4% cashback only - NOT included in everyday rate!
HKD
0.4% HKD 0
Insurance, Bills & Rent 0.4% cashback - Insurance, bill payments, rent
HKD
0.4% HKD 0
General Purchases 1% cashback - Dining, shopping, entertainment, etc.
HKD
1.0% HKD 0
Calculator based on official terms Rates may change. Always verify with your bank before applying.
View Official Terms

The HSBC EveryMile Credit Card earns RewardCash that converts to miles at an attractive rate. Designated merchants (cafés, transport, travel) earn 2.5% cashback, general purchases earn 1%, while supermarkets, insurance, bills, and rent only earn 0.4%. The key advantage is the superior miles conversion rate of HK$0.05 per mile (compared to HK$0.10 for other HSBC cards), making it effective for miles earning despite the cashback structure.

Advantages

  • 2.5% cashback on designated merchants (cafés, transport, travel)
  • Superior miles conversion: HK$0.05 = 1 mile
  • Transfer to 13+ airline loyalty programs
  • No spending caps
  • Good for everyday categories

Considerations

  • Supermarkets only earn 0.4% (important exclusion)
  • Insurance, bills, and rent only earn 0.4%
  • 1% general rate is average
  • Requires understanding of designated merchant categories
Annual Fee: HK$2000 Min. Income: HK$240000/year