2025 - Credit Cards / Deals / Discounts / Cashbacks

[becomjapanHK]

So that is ~HK$12,500 cost per year at 5%........with that factored in its still worth it?

[poiasd]

I think that's upto you to calculate, e.g. would you spend enough on the Mox card to make the miles earned equivalent to HK$12,500? How do you normally redeem your miles?

[freeier]

Wondering if you've considered the BoCHK Cheers card? Seems like that card is quite unpopular here in this forum. The Cheers card (VISA Infinite) is a 4% rebate and $1.5/mile so wouldn't it be a better choice?

On a side note, has anyone else had experience with this card or BoCHK cards in general? I've recently had a new card issued (card only customer) and the BoCHK app kinda sucks. Unlike the HSBC app which instantly shows your credit card transactions, the BoCHK app only deducts your credit limit and doesn't actually show your purchases nor your gift points. Has anyone else had this problem or is it just me?

PS: new to the forum so may have hijacked it for my app tech problem

I use the cheers card quite regularly now. this year the cash back requirement is adjusted, need to spend at least 5k before you get the 4% rebate.. which is fairly decent still. Similarly the Citic imotion that gives 6% cashback up to 200HK$ also need minimum spending of 3800 hkd p/m now.... seems credit card issuers are getting more stingy.

As to the App, credit card transactions are shown only after the merchant submit the charging bill to the bank. sometimes the posting can take 1/2 or even up to a week, then we won't see in the banking statement whether its boc or hsbc. I don't recall BOC being that much slower than HSBC on updating transactions on the app, maybe just 1 day later if there is actually any lag. And none of the banks actually give you the attributable points/cash to each transaction.. you just need to compute it yourself.

[poiasd]

And none of the banks actually give you the attributable points/cash to each transaction.. you just need to compute it yourself.

Actually AMEX does (though I guess not a "bank"). They are pretty detailed and go into how the bonus points by offer etc. as well. I posted on the Flyertalk thread but this is what it looks like:

[freeier]

ic. thanks for letting me know. i have given up on Amex pretty much.