Citi PremierMiles Card vs Standard Chartered Cathay Mastercard
Compare Citi PremierMiles Card, Standard Chartered Cathay Mastercard side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Citi PremierMiles Card |  Standard Chartered Cathay Mastercard |
|---|
Card details
CardIQ
How we calculate scores| Overall | 50Fair Highest | 43Fair |
|---|---|---|
| Airport lounge | 43/100Highest | 37/100 |
| No annual fee | – | 41/100 |
| Rewards | 45/100Highest | 39/100 |
| Sign-up bonus | 63/100Highest | 57/100 |
| Travel | 48/100Highest | 42/100 |
The basics
| Card tier | Platinum | Standard |
|---|---|---|
| Card type | Not published | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | Citi ThankYou Rewards | Asia Miles |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 18 years old |
|---|---|---|
| Minimum income | HK$120,000 p.a. | HK$96,000 p.a.Lowest |
| Residency | Not published | Hong Kong resident |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 58 daysHighest | Up to 56 days |
|---|---|---|
| Minimum repayment | a. The total of all the current month's interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (where applicable) | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher. |
Rates & fees
Ongoing interest rates
| Purchases | 31.00% p.a.Lowest | 33.36% p.a. |
|---|---|---|
| Cash advances | 31.00% p.a. | 30.92% p.a.Lowest |
Fees
| Annual fee | HK$1,800 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900 | HK$0Lowest |
| Cash advance fee | — | 3.5% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$300Lowest | HK$350 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 12 Points per HK$8 | 1 Asia Mile per HK$6 |
|---|---|---|
| Bonus categories | None | 1 Asia Mile per HK$2 in bonus categories |
| Other purchases | None | None |
| Overseas spend | 12 Points per HK$3 on overseas spend | 1 Asia Mile per HK$4 on overseas spend |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | Points earned on Citi PremierMiles Card are evergreen. | — |
| Estimated annual points | 294,000 ptsWorth HK$2,205Highest | 46,000 ptsWorth HK$4,140 |
Sign-up bonus
| Sign-up bonus | 240,000 pointsHighest | 40,000 points |
|---|---|---|
| Bonus spend required | — | Tier 1: Accumulated Eligible Transactions of HKD5,000 = 10,000 Miles; Tier 2: HKD40,000 = 20,000 Miles; Tier 3: HKD110,000 = 40,000 Miles within the first 2 months upon card issuance |
Transfer partners
| Cathay (Asia Miles) | 12 pts → 1 pt (≈ 0.13 pts per HK$1) | — |
|---|
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- CitiStandard Chartered