Standard Chartered

Cathay Mastercard Calculator

Best for: Cathay Pacific frequent flyers who want to maximize Asia Miles earning and prefer direct miles accumulation

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Monthly Cashback HKD 0

Effective Rate 0.00%

Dining $4 = 1 Mile on eligible HKD dining

HKD

4% HKD 0

Hotels $4 = 1 Mile on direct hotel bookings

HKD

4% HKD 0

Foreign Currency Spend $4 = 1 Mile on foreign currency transactions

HKD

4% HKD 0

Other Eligible Spending $6 = 1 Mile on other eligible HKD transactions

HKD

6% HKD 0

Eligibility, category rules and exclusions

This calculator covers the standard Cathay Mastercard for the 2026 selected-category offer.

Selected-category rules

Dining must be posted in HKD at an eligible restaurant or dining merchant. Banquets, private events and food or beverage outlets in hotels, food courts, supermarkets, department stores, associations or club houses do not qualify as Dining.
Hotels must be booked directly with the hotel or through its official website and posted in HKD. Travel agencies, airlines, online travel agencies and other booking intermediaries do not qualify as Hotels.
Overseas means an eligible transaction posted in a currency other than Hong Kong Dollars.
If a transaction could fall into more than one selected category, Standard Chartered assigns one category at its discretion.
Priority Banking and Priority Private versions have different overseas earn rates; this calculator models the standard Cathay Mastercard.

Miles calculation notes

Principal and supplementary card transactions under the same account are combined.
Odd spending that cannot yet produce one whole mile is carried to the next statement month. The calculator does not include a remainder carried in from an earlier statement.
For an eligible interest-free monthly instalment purchase, miles are earned only when each instalment amount is posted.
Miles are credited to the principal cardholder’s Cathay membership account and cannot be converted into cashback or points.

Not eligible for Asia Miles

Insurance payments; bill payments through Standard Chartered Online Banking, Phone Banking or JET Payment Service; and phone or mail orders.
Transfers and top-ups to designated accounts, including Octopus Wallet, Alipay, FPS and other non-card-association or digital-payment accounts.
Gambling or betting transactions, and transactions with securities brokers or dealers.
Financial transactions and services, including foreign-currency purchases, money orders, travellers' cheques, face-to-face cash disbursements and wire transfers.
Wholesale purchases of precious stones, metals, watches or jewellery.
Cash advances, balance transfers, Instalment Credit, Credit-to-Cash amounts, tax payments, finance charges and fees.
Unposted, cancelled, refunded, falsified or unauthorised transactions.

The standard Standard Chartered Cathay Mastercard earns Asia Miles directly. Eligible HKD dining, HKD hotel bookings made directly with the hotel, and transactions posted in a currency other than HKD earn at HK$4 per mile; other eligible HKD retail spending earns at HK$6 per mile. Odd dollars are carried forward to the next statement month. Priority Banking and Priority Private variants have different overseas earn rates.