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Coverage levels and triggers vary widely; review the issuer’s Key Facts Statements and insurance terms before you rely on them.",[],{"_key":1155,"_type":856,"children":1156,"markDefs":1161,"style":963},"k76",[1157],{"_key":1158,"_type":860,"marks":1159,"text":1160},"k75",[960],"Best travel credit cards in Hong Kong for businesses",[],{"_key":1163,"_type":856,"children":1164,"markDefs":1169,"style":885},"k79",[1165],{"_key":1166,"_type":860,"marks":1167,"text":1168},"k78",[],"Below are business-focused choices (plus one widely used consumer co-brand) that suit Hong Kong companies, from corporates to startups and sole proprietors. Pick according to how your team spends and travels.",[],{"_key":1171,"_type":856,"children":1172,"markDefs":1177,"style":885},"k82",[1173],{"_key":1174,"_type":860,"marks":1175,"text":1176},"k81",[],"Note: Some benefits may not be available to all users or may not be applicable in every situation. Eligibility for the card and approval may depend on your credit score. Each card comes with an APR or variable APR; check the issuer’s terms for the current range.",[],{"_key":1179,"_type":856,"children":1180,"markDefs":1185,"style":1020},"k85",[1181],{"_key":1182,"_type":860,"marks":1183,"text":1184},"k84",[960],"1. American Express® Cathay Pacific corporate card (and Elite corporate card)",[],{"_key":1187,"_type":856,"children":1188,"level":1036,"listItem":1037,"markDefs":1197,"style":885},"k90",[1189,1193],{"_key":1190,"_type":860,"marks":1191,"text":1192},"k88",[960],"Why the card stands out:",{"_key":1194,"_type":860,"marks":1195,"text":1196},"k89",[]," Direct Asia Miles accrual on corporate spending, with company-level tools and travel insurance.",[],{"_key":1199,"_type":856,"children":1200,"level":1036,"listItem":1037,"markDefs":1209,"style":885},"k95",[1201,1205],{"_key":1202,"_type":860,"marks":1203,"text":1204},"k93",[960],"Notable earn rates:",{"_key":1206,"_type":860,"marks":1207,"text":1208},"k94",[]," Earn 1 Asia Mile per 1 spent on all eligible purchases with the Elite Corporate Card (HK$7 = 1 mile); the standard card earns 1 mile for every 1 spent on HK$10. Earn rates apply to every 1 spent on all other purchases, not just travel².",[],{"_key":1211,"_type":856,"children":1212,"level":1036,"listItem":1037,"markDefs":1221,"style":885},"k100",[1213,1217],{"_key":1214,"_type":860,"marks":1215,"text":1216},"k98",[960],"Redemption:",{"_key":1218,"_type":860,"marks":1219,"text":1220},"k99",[]," Points can be redeemed for travel booked through the Cathay Pacific portal or for gift cards, offering flexibility.",[],{"_key":1223,"_type":856,"children":1224,"level":1036,"listItem":1037,"markDefs":1233,"style":885},"k105",[1225,1229],{"_key":1226,"_type":860,"marks":1227,"text":1228},"k103",[960],"Good for:",{"_key":1230,"_type":860,"marks":1231,"text":1232},"k104",[]," Established companies that want tight expense control with a Cathay-centric miles strategy and built-in travel cover.",[],{"_key":1235,"_type":856,"children":1236,"level":1036,"listItem":1037,"markDefs":1245,"style":885},"k110",[1237,1241],{"_key":1238,"_type":860,"marks":1239,"text":1240},"k108",[960],"Considerations:",{"_key":1242,"_type":860,"marks":1243,"text":1244},"k109",[]," Charge-card style settlement (pay-in-full) and annual fees apply; evaluate whether the earn rate + benefits offset the cost. The card’s variable APR may apply if you do not pay in full.",[],{"_key":1247,"_type":856,"children":1248,"markDefs":1253,"style":1020},"k113",[1249],{"_key":1250,"_type":860,"marks":1251,"text":1252},"k112",[960],"2. HSBC Business Mastercard (and mileage programme)",[],{"_key":1255,"_type":856,"children":1256,"level":1036,"listItem":1037,"markDefs":1265,"style":885},"k118",[1257,1261],{"_key":1258,"_type":860,"marks":1259,"text":1260},"k116",[960],"Why the card stands out: ",{"_key":1262,"_type":860,"marks":1263,"text":1264},"k117",[],"Flexible RewardCash that you can redeem for travel booked through the HSBC portal, for gift cards, or convert to Asia Miles at $1 RewardCash = 10 miles. Earn points per 1 spent on all other purchases, with double rewards at a higher rate for overseas and online spend with the World Business Mastercard¹.",[],{"_key":1267,"_type":856,"children":1268,"level":1036,"listItem":1037,"markDefs":1277,"style":885},"k123",[1269,1273],{"_key":1270,"_type":860,"marks":1271,"text":1272},"k121",[960],"Good for: ",{"_key":1274,"_type":860,"marks":1275,"text":1276},"k122",[],"SMEs that want a wide merchant acceptance footprint, simple redemptions, and the option to top up Asia Miles when needed.",[],{"_key":1279,"_type":856,"children":1280,"level":1036,"listItem":1037,"markDefs":1289,"style":885},"k128",[1281,1285],{"_key":1282,"_type":860,"marks":1283,"text":1284},"k126",[960],"Considerations: ",{"_key":1286,"_type":860,"marks":1287,"text":1288},"k127",[],"Check your foreign transaction fees and any handling fees tied to rewards conversions. The card’s variable APR applies; approval may depend on your credit score.",[],{"_key":1291,"_type":856,"children":1292,"markDefs":1297,"style":1020},"k131",[1293],{"_key":1294,"_type":860,"marks":1295,"text":1296},"k130",[960],"3. HSBC Corporate Mastercard",[],{"_key":1299,"_type":856,"children":1300,"level":1036,"listItem":1037,"markDefs":1309,"style":885},"k136",[1301,1305],{"_key":1302,"_type":860,"marks":1303,"text":1304},"k134",[960],"Why the card stands out",{"_key":1306,"_type":860,"marks":1307,"text":1308},"k135",[],": Corporate controls and reporting, plus Plaza Premium lounge access and travel insurance—useful for frequent traveller teams. Earn points per 1 spent on all eligible purchases, including every 1 spent on all other purchases 4.",[],{"_key":1311,"_type":856,"children":1312,"level":1036,"listItem":1037,"markDefs":1321,"style":885},"k141",[1313,1317],{"_key":1314,"_type":860,"marks":1315,"text":1316},"k139",[960],"Good for",{"_key":1318,"_type":860,"marks":1319,"text":1320},"k140",[],": Larger firms needing centralised travel benefits without switching to a co-branded airline program.",[],{"_key":1323,"_type":856,"children":1324,"level":1036,"listItem":1037,"markDefs":1332,"style":885},"k146",[1325,1328],{"_key":1326,"_type":860,"marks":1327,"text":1240},"k144",[960],{"_key":1329,"_type":860,"marks":1330,"text":1331},"k145",[]," Corporate onboarding and internal policy fit—coordinate with finance\u002Ftreasury before rollout. Variable APR applies; eligibility may depend on your credit score.",[],{"_key":1334,"_type":856,"children":1335,"markDefs":1340,"style":1020},"k149",[1336],{"_key":1337,"_type":860,"marks":1338,"text":1339},"k148",[960],"4. Standard Chartered Cathay Mastercard (consumer; SME-friendly)",[],{"_key":1342,"_type":856,"children":1343,"level":1036,"listItem":1037,"markDefs":1351,"style":885},"k154",[1344,1347],{"_key":1345,"_type":860,"marks":1346,"text":1192},"k152",[960],{"_key":1348,"_type":860,"marks":1349,"text":1350},"k153",[]," Strong Asia Miles earn rates and sizable welcome offers; popular with SME owners and sole proprietors who want miles fast.",[],{"_key":1353,"_type":856,"children":1354,"level":1036,"listItem":1037,"markDefs":1363,"style":885},"k159",[1355,1359],{"_key":1356,"_type":860,"marks":1357,"text":1358},"k157",[960],"Earn structure examples",{"_key":1360,"_type":860,"marks":1361,"text":1362},"k158",[],": Earn up to 1 mile per 1 spent at a rate of HK$2 = 1 mile on Cathay\u002FHK Express, HK$4 = 1 mile on overseas\u002Fdining\u002Fhotels, and HK$6 = 1 mile spent on all other purchases. Offers have advertised up to 40,000–60,000 miles for new sign-ups and a first-year fee waiver 3.",[],{"_key":1365,"_type":856,"children":1366,"level":1036,"listItem":1037,"markDefs":1375,"style":885},"k164",[1367,1371],{"_key":1368,"_type":860,"marks":1369,"text":1370},"k162",[960],"Redemption",{"_key":1372,"_type":860,"marks":1373,"text":1374},"k163",[],": Points can be redeemed for travel booked through the Standard Chartered portal or for gift cards.",[],{"_key":1377,"_type":856,"children":1378,"level":1036,"listItem":1037,"markDefs":1386,"style":885},"k169",[1379,1382],{"_key":1380,"_type":860,"marks":1381,"text":1316},"k167",[960],{"_key":1383,"_type":860,"marks":1384,"text":1385},"k168",[],": Business owners who are primarily Cathay flyers and don’t need corporate-level controls.",[],{"_key":1388,"_type":856,"children":1389,"level":1036,"listItem":1037,"markDefs":1397,"style":885},"k174",[1390,1393],{"_key":1391,"_type":860,"marks":1392,"text":1240},"k172",[960],{"_key":1394,"_type":860,"marks":1395,"text":1396},"k173",[]," It’s a personal card—set ground rules if employees use it, and track business expenses carefully. Variable APR applies; approval may depend on your credit score. Some benefits may not be available to all users.",[],{"_key":1399,"_type":856,"children":1400,"markDefs":1405,"style":963},"k177",[1401],{"_key":1402,"_type":860,"marks":1403,"text":1404},"k176",[960],"Eligibility and pros\u002Fcons",[],{"_key":1407,"_type":856,"children":1408,"markDefs":1413,"style":885},"k180",[1409],{"_key":1410,"_type":860,"marks":1411,"text":1412},"k179",[],"Eligibility varies by issuer and product type:",[],{"_key":1415,"_type":856,"children":1416,"level":1036,"listItem":1037,"markDefs":1421,"style":885},"k183",[1417],{"_key":1418,"_type":860,"marks":1419,"text":1420},"k182",[],"Corporate\u002FBusiness Cards (e.g., Amex corporate, HSBC corporate): Typically require a registered business entity and corporate onboarding; issuers may assess company financials and set limits per employee card. A good credit score may also be required to qualify for the best options.",[],{"_key":1423,"_type":856,"children":1424,"level":1036,"listItem":1037,"markDefs":1429,"style":885},"k186",[1425],{"_key":1426,"_type":860,"marks":1427,"text":1428},"k185",[],"Consumer Cards often used by SME owners (e.g., Standard Chartered Cathay Mastercard): Usual baseline is age 18+ and minimum annual income (recently referenced at HK$96,000 for the SC Cathay Mastercard), plus Cathay membership. In some cases, being a member of certain loyalty programs is necessary to access specific card benefits.",[],{"_key":1431,"_type":856,"children":1432,"markDefs":1437,"style":885},"k189",[1433],{"_key":1434,"_type":860,"marks":1435,"text":1436},"k188",[],"Pros of the miles cards:",[],{"_key":1439,"_type":856,"children":1440,"level":1036,"listItem":1037,"markDefs":1445,"style":885},"k192",[1441],{"_key":1442,"_type":860,"marks":1443,"text":1444},"k191",[],"Potentially outsized value when redeeming long-haul premium-cabin flights.",[],{"_key":1447,"_type":856,"children":1448,"level":1036,"listItem":1037,"markDefs":1453,"style":885},"k195",[1449],{"_key":1450,"_type":860,"marks":1451,"text":1452},"k194",[],"Airline ecosystem perks (priority services, lounge access via program\u002Fcard).",[],{"_key":1455,"_type":856,"children":1456,"markDefs":1461,"style":885},"k198",[1457],{"_key":1458,"_type":860,"marks":1459,"text":1460},"k197",[],"Cons of the miles cards:",[],{"_key":1463,"_type":856,"children":1464,"level":1036,"listItem":1037,"markDefs":1469,"style":885},"k201",[1465],{"_key":1466,"_type":860,"marks":1467,"text":1468},"k200",[],"Foreign transaction fees can erode value; most traditional HK cards charge around 1.95% on foreign currency transactions (plus scheme charges where applicable).",[],{"_key":1471,"_type":856,"children":1472,"level":1036,"listItem":1037,"markDefs":1477,"style":885},"k204",[1473],{"_key":1474,"_type":860,"marks":1475,"text":1476},"k203",[],"Dynamic Currency Conversion (DCC) at the point of sale can cost you more; issuers explicitly warn about settling foreign currency transactions in HKD. Always choose to pay in the local currency.",[],{"_key":1479,"_type":856,"children":1480,"markDefs":1485,"style":885},"k207",[1481],{"_key":1482,"_type":860,"marks":1483,"text":1484},"k206",[],"Pros of the cashback cards:",[],{"_key":1487,"_type":856,"children":1488,"level":1036,"listItem":1037,"markDefs":1493,"style":885},"k210",[1489],{"_key":1490,"_type":860,"marks":1491,"text":1492},"k209",[],"Simple, cash back into your account; great for predictable SaaS\u002Fads spend.",[],{"_key":1495,"_type":856,"children":1496,"level":1036,"listItem":1037,"markDefs":1501,"style":885},"k213",[1497],{"_key":1498,"_type":860,"marks":1499,"text":1500},"k212",[],"Multi-currency support minimises FX on same-currency transactions.",[],{"_key":1503,"_type":856,"children":1504,"markDefs":1509,"style":885},"k216",[1505],{"_key":1506,"_type":860,"marks":1507,"text":1508},"k215",[],"Cons of the cashback cards:",[],{"_key":1511,"_type":856,"children":1512,"level":1036,"listItem":1037,"markDefs":1517,"style":885},"k219",[1513],{"_key":1514,"_type":860,"marks":1515,"text":1516},"k218",[],"Cashback is often category-restricted and typically ~1%—so check you’re spending in the right categories.",[],{"_key":1519,"_type":856,"children":1520,"markDefs":1525,"style":963},"k222",[1521],{"_key":1522,"_type":860,"marks":1523,"text":1524},"k221",[960],"How to choose the best travel credit cards",[],{"_key":1527,"_type":856,"children":1528,"markDefs":1533,"style":1020},"k225",[1529],{"_key":1530,"_type":860,"marks":1531,"text":1532},"k224",[960],"1. Compare fees and rewards",[],{"_key":1535,"_type":856,"children":1536,"markDefs":1541,"style":885},"k228",[1537],{"_key":1538,"_type":860,"marks":1539,"text":1540},"k227",[],"Map your team’s real spend (airfare, hotels, dining, overseas suppliers, online ads, SaaS) to a card’s earn structure. For instance, HSBC’s World Business Mastercard explicitly offers double rewards on overseas and online spending; that may beat a miles card with weaker overseas earn rates for a non-Cathay flyer, especially when considering the variable APR and the annual fee associated with each card. Compare the annual fee of the HSBC card to cards with no annual fee to determine if the extra rewards justify the cost¹.",[],{"_key":1543,"_type":856,"children":1544,"markDefs":1549,"style":885},"k231",[1545],{"_key":1546,"_type":860,"marks":1547,"text":1548},"k230",[],"Also, check miles conversion paths—if you want Asia Miles but earn bank points, confirm conversion rates and any handling fees. HSBC’s $1 RewardCash = 10 Asia Miles is straightforward; DBS and Standard Chartered publish their conversion ratios, so review the details of the conversion process of the different cards.",[],{"_key":1551,"_type":856,"children":1552,"markDefs":1557,"style":1020},"k234",[1553],{"_key":1554,"_type":860,"marks":1555,"text":1556},"k233",[960],"2. Check foreign transaction fees",[],{"_key":1559,"_type":856,"children":1560,"markDefs":1565,"style":885},"k237",[1561],{"_key":1562,"_type":860,"marks":1563,"text":1564},"k236",[],"Foreign transaction (FX) fees matter. Many Hong Kong cards charge around 1.95% on foreign currency transactions. There are exceptions: for example, Standard Chartered’s Smart Card has advertised waivers on the 1.95% fee for foreign currency transactions during travel (check the latest T&Cs for eligibility windows). Alternatively, multi-currency corporate cards can avoid FX when you spend in the same currency⁵.",[],{"_key":1567,"_type":856,"children":1568,"markDefs":1573,"style":1020},"k240",[1569],{"_key":1570,"_type":860,"marks":1571,"text":1572},"k239",[960],"3. Evaluate benefits",[],{"_key":1575,"_type":856,"children":1576,"markDefs":1581,"style":885},"k243",[1577],{"_key":1578,"_type":860,"marks":1579,"text":1580},"k242",[],"Beyond earn rates, weigh the secondary perks:",[],{"_key":1583,"_type":856,"children":1584,"level":1036,"listItem":1037,"markDefs":1589,"style":885},"k246",[1585],{"_key":1586,"_type":860,"marks":1587,"text":1588},"k245",[],"Airport lounge access (e.g., Plaza Premium with certain corporate programs), often available to a member of the loyalty or rewards program.",[],{"_key":1591,"_type":856,"children":1592,"level":1036,"listItem":1037,"markDefs":1597,"style":885},"k249",[1593],{"_key":1594,"_type":860,"marks":1595,"text":1596},"k248",[],"Travel insurance levels and triggers (delays, baggage, medical) which are features of the card benefits that can provide peace of mind for a member.",[],{"_key":1599,"_type":856,"children":1600,"level":1036,"listItem":1037,"markDefs":1605,"style":885},"k252",[1601],{"_key":1602,"_type":860,"marks":1603,"text":1604},"k251",[],"Expense management tools (controls, reporting, integrations), which can save finance teams hours every month and are part of the comprehensive features of the card.",[],{"_key":1607,"_type":856,"children":1608,"markDefs":1613,"style":1020},"k255",[1609],{"_key":1610,"_type":860,"marks":1611,"text":1612},"k254",[960],"4. Check eligibility criteria",[],{"_key":1615,"_type":856,"children":1616,"level":1036,"listItem":1037,"markDefs":1621,"style":885},"k258",[1617],{"_key":1618,"_type":860,"marks":1619,"text":1620},"k257",[],"Income or company requirements: e.g., SC Cathay Mastercard’s HK$96,000 annual income guideline; corporate cards require a registered entity and onboarding. Your credit score is also an important factor in meeting the eligibility requirements of the card, as many issuers assess your creditworthiness before approval. Of the various cards available, some may have stricter credit score or income criteria than others.",[],{"_key":1623,"_type":856,"children":1624,"level":1036,"listItem":1037,"markDefs":1629,"style":885},"k261",[1625],{"_key":1626,"_type":860,"marks":1627,"text":1628},"k260",[],"Geography\u002Fissuance: Check whether your chosen travel credit card can be used outside Hong Kong or is limited to use within Hong Kong only.",[],{"_key":1631,"_type":856,"children":1632,"markDefs":1637,"style":963},"k264",[1633],{"_key":1634,"_type":860,"marks":1635,"text":1636},"k263",[960],"How to maximise travel credit card rewards",[],{"_key":1639,"_type":856,"children":1640,"markDefs":1645,"style":1020},"k267",[1641],{"_key":1642,"_type":860,"marks":1643,"text":1644},"k266",[960],"1. Point the right card to the right spend",[],{"_key":1647,"_type":856,"children":1648,"level":1036,"listItem":1037,"markDefs":1653,"style":885},"k270",[1649],{"_key":1650,"_type":860,"marks":1651,"text":1652},"k269",[],"Airfare and hotels: Use a miles-earning card (e.g., Amex Cathay corporate, SC Cathay Mastercard) to build Asia Miles quickly. For example, you may earn 2 miles for every 1 spent on flights and hotels, and 1 mile per 1 spent on all other purchases.",[],{"_key":1655,"_type":856,"children":1656,"level":1036,"listItem":1037,"markDefs":1661,"style":885},"k273",[1657],{"_key":1658,"_type":860,"marks":1659,"text":1660},"k272",[],"Overseas suppliers & online expenses: Choose cards that bonus for overseas\u002Fonline spend (HSBC World Business Mastercard), such as earning 3 points per 1 spent on foreign transactions, or avoid FX via same-currency cards, which may offer 1 point for every 1 spent on all other purchases.",[],{"_key":1663,"_type":856,"children":1664,"markDefs":1669,"style":1020},"k276",[1665],{"_key":1666,"_type":860,"marks":1667,"text":1668},"k275",[960],"2. Avoid DCC (dynamic currency conversion)",[],{"_key":1671,"_type":856,"children":1672,"markDefs":1686,"style":885},"k284",[1673,1677,1682],{"_key":1674,"_type":860,"marks":1675,"text":1676},"k281",[],"If a terminal offers to charge you in HKD overseas, decline it and pay in the local currency to avoid",{"_key":1678,"_type":860,"marks":1679,"text":1681},"k282",[1680],"k278"," dynamic currency conversion",{"_key":1683,"_type":860,"marks":1684,"text":1685},"k283",[]," fees—issuers explicitly caution about this.",[1687],{"_key":1680,"_type":881,"externalUrl":1688,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Funderstanding-dcc-fees",{"_key":1690,"_type":856,"children":1691,"markDefs":1696,"style":1020},"k287",[1692],{"_key":1693,"_type":860,"marks":1694,"text":1695},"k286",[960],"3. Leverage program “double-dip” opportunities",[],{"_key":1698,"_type":856,"children":1699,"markDefs":1704,"style":885},"k290",[1700],{"_key":1701,"_type":860,"marks":1702,"text":1703},"k289",[],"If you’re in the Cathay ecosystem, link your card to Cathay’s Card-Linked Earn to earn miles from both your card and partner merchants simultaneously as a member, unlocking additional benefits and rewards exclusive to loyalty program members ⁶.",[],{"_key":1706,"_type":856,"children":1707,"markDefs":1712,"style":1020},"k293",[1708],{"_key":1709,"_type":860,"marks":1710,"text":1711},"k292",[960],"4. Stack welcome offers and promos",[],{"_key":1714,"_type":856,"children":1715,"markDefs":1720,"style":885},"k296",[1716],{"_key":1717,"_type":860,"marks":1718,"text":1719},"k295",[],"Time applications\u002Fpurchases to meet introductory spend thresholds for bonus miles (e.g., SC Cathay promos) or fee waivers. To qualify for a welcome offer and bonus points, you typically need to make purchases within the first 3 months after account opening.",[],{"_key":1722,"_type":856,"children":1723,"markDefs":1728,"style":885},"k299",[1724],{"_key":1725,"_type":860,"marks":1726,"text":1727},"k298",[],"The bonus is awarded after you spend a certain amount on purchases in specific categories within the first few months. Be sure to track your purchases in the first 3 months to ensure you meet the required spend threshold and maximise your rewards.",[],{"_key":1730,"_type":856,"children":1731,"markDefs":1736,"style":1020},"k302",[1732],{"_key":1733,"_type":860,"marks":1734,"text":1735},"k301",[960],"5. Convert bank points smartly",[],{"_key":1738,"_type":856,"children":1739,"markDefs":1744,"style":885},"k305",[1740],{"_key":1741,"_type":860,"marks":1742,"text":1743},"k304",[],"If you’re using HSBC’s RewardCash, convert to Asia Miles when you have enough to redeem at a good value; the $1 RewardCash = 10 miles ratio makes the math easy. Alternatively, points can also be redeemed for gift cards, offering flexibility for cardholders who prefer non-travel rewards 1.",[],{"_key":1746,"_type":856,"children":1747,"markDefs":1752,"style":1020},"k308",[1748],{"_key":1749,"_type":860,"marks":1750,"text":1751},"k307",[960],"6. Use corporate controls to cut leakage",[],{"_key":1754,"_type":856,"children":1755,"markDefs":1760,"style":885},"k311",[1756],{"_key":1757,"_type":860,"marks":1758,"text":1759},"k310",[],"Corporate suites (Amex\u002FHSBC corporate) offer card-level limits, category controls, and real-time tracking—reducing out-of-policy spend and making reconciliation faster.",[],{"_key":1762,"_type":856,"children":1763,"markDefs":1768,"style":963},"k314",[1764],{"_key":1765,"_type":860,"marks":1766,"text":1767},"k313",[960],"Save more on your business spending with the Aspire Corporate Card",[],{"_key":1770,"_type":856,"children":1771,"markDefs":1776,"style":885},"k317",[1772],{"_key":1773,"_type":860,"marks":1774,"text":1775},"k316",[],"Having a travel credit card can help you reduce travel expenses. However, when you run a modern business in Hong Kong, travel costs may not be your main expense category. In the early stages, you often need to subscribe to several digital productivity tools to scale your business, but using multiple tools at the same time can quickly add to your operational costs.",[],{"_key":1778,"_type":856,"children":1779,"markDefs":1802,"style":885},"k330",[1780,1784,1789,1793,1798],{"_key":1781,"_type":860,"marks":1782,"text":1783},"k325",[],"This is where Aspire's",{"_key":1785,"_type":860,"marks":1786,"text":1788},"k326",[1787],"k319"," Corporate Card",{"_key":1790,"_type":860,"marks":1791,"text":1792},"k327",[],"s can be a great alternative. These multi-currency virtual debit cards let you earn unlimited 1%",{"_key":1794,"_type":860,"marks":1795,"text":1797},"k328",[1796],"k322"," cashback",{"_key":1799,"_type":860,"marks":1800,"text":1801},"k329",[]," on digital marketing and SaaS tools such as Instagram Ads, Google Ads, Zoom, and AWS. They also offer competitive FX rates for international payments and allow you to spend directly in HKD and USD, helping you make global purchases without incurring conversion fees.",[1803,1805],{"_key":1787,"_type":881,"externalUrl":1804,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fcorporate-card",{"_key":1796,"_type":881,"externalUrl":1806,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fcashback",{"_key":1808,"_type":856,"children":1809,"markDefs":1814,"style":885},"k333",[1810],{"_key":1811,"_type":860,"marks":1812,"text":1813},"k332",[],"What’s more, you can issue unlimited virtual cards with customisable spending limits and assign each card to a specific merchant, project, or client. You can then track and monitor your card expenses in real time through a centralised dashboard.",[],{"_key":1816,"_type":856,"children":1817,"markDefs":1822,"style":885},"k336",[1818],{"_key":1819,"_type":860,"marks":1820,"text":1821},"k335",[],"Designed for both local and global use, Aspire’s card gives your business the agility it needs to operate efficiently across borders.",[],{"slug":208,"title":209},{"_type":144,"alternativeText":1825,"height":145,"url":1826,"width":147},"Best travel credit cards for Hong Kong businesses","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F937023a6349104aa683112378d02b903\u002Fshared_cover_shared-cover-business-travel-policy.png",[1828,1834,1840,1846,1852],{"_key":955,"_type":856,"children":1829,"level":1036,"listItem":1037,"markDefs":1833,"style":885},[1830],{"_key":958,"_type":860,"marks":1831,"text":1832},[],"Hong Kong businesses have diverse credit card options, from corporate cards (Amex, HSBC) to consumer cards popular with SMEs (Standard Chartered).",[],{"_key":965,"_type":856,"children":1835,"level":1036,"listItem":1037,"markDefs":1839,"style":885},[1836],{"_key":968,"_type":860,"marks":1837,"text":1838},[],"Travel cards offer various rewards like Asia Miles, cashback on specific spending or convertible bank points.",[],{"_key":973,"_type":856,"children":1841,"level":1036,"listItem":1037,"markDefs":1845,"style":885},[1842],{"_key":976,"_type":860,"marks":1843,"text":1844},[],"To get the most value from a travel credit card, align spending with a card's earn structure (e.g., using the HSBC World Business Mastercard for overseas spending to earn double rewards).",[],{"_key":981,"_type":856,"children":1847,"level":1036,"listItem":1037,"markDefs":1851,"style":885},[1848],{"_key":984,"_type":860,"marks":1849,"text":1850},[],"Be mindful of foreign transaction fees (around 1.95%) on travel credit cards; some multi-currency cards or specific cards offer waivers.",[],{"_key":989,"_type":856,"children":1853,"level":1036,"listItem":1037,"markDefs":1857,"style":885},[1854],{"_key":992,"_type":860,"marks":1855,"text":1856},[],"Travel credit cards not only provide rewards but also offer benefits such as airport lounge access, travel insurance, and expense management tools.",[],[1859,1874],{"_key":976,"_type":856,"children":1860,"markDefs":1871,"style":885},[1861,1864,1867],{"_key":968,"_type":860,"marks":1862,"text":1863},[],"Travel",{"_key":965,"_type":860,"marks":1865,"text":1866},[958]," credit cards",{"_key":1868,"_type":860,"marks":1869,"text":1870},"k6",[]," are a smart way to earn rewards while spending abroad, offering perks such as air miles, no foreign transaction fees, and exclusive travel benefits. If you are a Hong Kong entrepreneur who travels frequently for business, you may find these cards valuable for reducing your travel expenses.",[1872],{"_key":958,"_type":881,"externalUrl":1873,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fcorporate-credit-card",{"_key":984,"_type":856,"children":1875,"markDefs":1880,"style":885},[1876],{"_key":1877,"_type":860,"marks":1878,"text":1879},"k9",[],"That said, with so many travel credit cards available in Hong Kong, choosing the right one can be overwhelming. In this guide, we’ll explore the best travel credit cards in Hong Kong for international spending, so you can maximise your purchases and earn rewards that take you further.",[],"2025-08-27T00:00:00.000Z",{"_type":139,"metaDescription":1883,"metaTitle":1825,"socialShareImageUrl":1884},"Looking for the best card for travel and overseas spending in Hong Kong? Explore the top travel credit cards offering miles and extra perks for your business.",{"_type":144,"alternativeText":1825,"height":145,"url":1826,"width":147},"travel-credit-cards",[1887,1893,1899,1905,1911,1917],{"_key":955,"_type":856,"children":1888,"level":1036,"listItem":1037,"markDefs":1892,"style":885},[1889],{"_key":958,"_type":860,"marks":1890,"text":1891},[],"The Hongkong and Shanghai Banking Corporation Limited -  https:\u002F\u002Fwww.business.hsbc.com.hk\u002Fen-gb\u002Fproducts\u002Fbusiness-master-card",[],{"_key":965,"_type":856,"children":1894,"level":1036,"listItem":1037,"markDefs":1898,"style":885},[1895],{"_key":968,"_type":860,"marks":1896,"text":1897},[],"American Express - https:\u002F\u002Fwww.americanexpress.com\u002Fau\u002Fbusiness\u002Fpayment-solutions\u002Fexpense-management-and-payment-solutions\u002F",[],{"_key":973,"_type":856,"children":1900,"level":1036,"listItem":1037,"markDefs":1904,"style":885},[1901],{"_key":976,"_type":860,"marks":1902,"text":1903},[],"Standard Chartered - https:\u002F\u002Fwww.asiamiles.com\u002Fen\u002Fearn-miles\u002Ffinance-insurance\u002Fproduct-detail.finance.ap.hong-kong.hong-kong.html\u002Fscb\u002Fearn\u002Fstandard-chartered-cathay-mastercard",[],{"_key":981,"_type":856,"children":1906,"level":1036,"listItem":1037,"markDefs":1910,"style":885},[1907],{"_key":984,"_type":860,"marks":1908,"text":1909},[],"The Hongkong and Shanghai Banking Corporation Limited - https:\u002F\u002Fwww.plazapremiumlounge.com\u002FPlazaPremiumLounge\u002Fmedia\u002FPPLMedia\u002FPromotions\u002FHSBC-airport-lounges-V-27-Feb-2025.pdf",[],{"_key":989,"_type":856,"children":1912,"level":1036,"listItem":1037,"markDefs":1916,"style":885},[1913],{"_key":992,"_type":860,"marks":1914,"text":1915},[],"Moneyhero - https:\u002F\u002Fwww.moneyhero.com.hk\u002Fen\u002Fcredit-card\u002Fproducts\u002Fstandard-chartered-smart-credit-card",[],{"_key":997,"_type":856,"children":1918,"level":1036,"listItem":1037,"markDefs":1922,"style":885},[1919],{"_key":1000,"_type":860,"marks":1920,"text":1921},[],"Cathay Pacific - https:\u002F\u002Fwww.cathaypacific.com\u002Fcontent\u002Fcx\u002Fen_CN\u002Fmembership\u002Fpayment\u002Fcard-linked.html",[],1791455352468]