Point Hacks Credit Card Guide

The highest Asia Miles-earning credit cards

Cathay Pacific’s Asia Miles is one of the most useful programs for redemptions in Business and First Class with Cathay Pacific and other oneworld member airlines like Qantas and Japan Airlines.

Asia Miles is a transfer partner of several bank rewards programs in Australia and, as a result, earning Asia Miles from credit card spend is one of the key ways you can get your hands on points. If you happen to put a lot of your day-to-day spend on American Express, Visa or MasterCard, there are some high points earning options out there.

We’ve rounded up some of the highest Asia Miles-earning cards on the market, with American Express options earning more than 1 Asia Mile per $, and the Visa/MasterCard options earning over 0.75 Asia Mile per $.

We’ve included an overview table so you can assess the cards that are out there, versus those you may have in your wallet. We also include some of the current sign-up bonuses for new applicants.

Redemptions on domestic Qantas Business Class flights are one of the best uses of Asia Miles

The highest Asia Miles-earning credit cards

Card / OfferAmerican Express
Asia Mile
earned / $ spent
Visa/Mastercard
Asia Mile
earned / $ spent
Points CapAnnual Fee ($)Our Guide
American Express
Business Accelerator
2 mile (1 mile after cap)-100,000 p.a.160
American Express
Explorer ↓
1.5 miles-uncapped395
American Express Business Explorer ↓1.5 miles-uncapped395
Westpac Altitude
Black
1.2 miles on general spend
2 miles on foreign currency spend
0.5 milesuncapped295 for the Mastercard
$199 for the Amex
American Express
Platinum Charge ↓
1 mile on general spend
except utilities and ATO
3 miles at selected restaurants
2 miles on travel & overseas
spend
-300,000 p.a.1,450
American Express
Platinum Edge ↓
1 point on general spend except utilities and ATO
3 points at supermarkets
2 points on fuel
-uncapped195
American Express
Business Platinum
Charge ↓
1 mile on general spend
2 mile on selected business
and advertising expenses,
at most restaurants
in Australia, on travel
and overseas spend
-375,000 p.a.1,750
Diners Club Card + World Mastercard-1 mile on Diners
0.375 on Mastercard
uncapped299n/a
NAB Rewards Signature ↓-0.41 mile on general spend
0.82 mile in department and hardware stores
1.23 miles on overseas spend
uncapped295
Citi Prestige Visa ↓-0.4 mile on general spend
0.8 mile at major petrol
stations, supermarkets
and retailers
1.2 miles at major
restaurants, airlines
and international
spend
uncapped700

How to analyse this list

For all the cards and offers listed on this page we are only touching on the ‘effective earn rate’ – this is when points in the parent bank/credit card rewards program are transferred to Asia Miles, and is a way to compare the specific points earn rates for each card across various credit card rewards programs that offer different headline earn rates and transfer rates to frequent flyer programs.

Each card has other benefits too, along with other transfer partners, annual fees and terms and conditions – so be sure to check out the full guide to each card.

There’s also the sign-up bonus of a card to consider. A large sign-up bonus may help to offset a lower earn rate on a card, so bear that in mind. It depends how much spend you put on your credit card each month, and how long you keep the card for.

Each card offer, with bonus, fee and other offer information on this page will be up-to-date at the time of publication, however, please note that offers change over time.

Some current offers for key Asia Miles-earning credit cards


The American Express Explorer earns the equivalent of 1.5 Asia Miles per dollar uncapped, including utilities. Government bodies earn at 0.5 miles per $ spent.



The American Express Business Explorer is very similar to the personal version of the card and earns the equivalent of 1.5 Asia Miles per dollar with no points cap, including utilities. Government bodies earn at 0.5 miles per $ spent.



The American Express Westpac Altitude Black earns the equivalent of 1.2 Asia Miles per dollar on general spend and 2 miles on foreign currency spend with no points cap. The Mastercard account on the other hand, earns the equivalent of 0.5 miles on all spend.



The American Express Platinum Charge Card earns the equivalent of at least 1 Asia Mile per dollar for most transactions, with 3 Miles per $ on restaurant and dining spend, and 2 Miles per $ on travel and overseas spend – those bonuses are available up to 300,000 miles per year.

Utilities & government bodies earn at 0.5 Miles per $ spent.



The American Express Edge earns the equivalent of at least 1 Asia Mile per dollar for most transactions, with 3 miles per $ on supermarket spend, and 2 miles per $ on fuel spend uncapped.

Utilities & government bodies earn at 0.5 miles per $ spent.



The American Express Platinum Business Charge earns the equivalent of 1 Asia Mile per dollar on general spend, and 2 miles on travel and overseas spend, and selected restaurant, business and advertising expenses, capped at 375,000 p.a.



The NAB Rewards Signature Visa earns the equivalent of 0.41 mile on regular spend, 0.82 mile at department and hardware stores and 1.23 miles on overseas spend, uncapped.



The Citi Prestige Visa earns 0.4 mile on general spend, 0.8 mile at major petrol stations, supermarkets and retailers, 1.2 miles at major restaurants, airlines and international spend

Cards in the table, but not mentioned above

Offers for some of the cards are not mentioned above as they don’t offer a sign-up bonus, or we don’t have a guide for them yet.

The focus of this guide is to outline the highest Asia Miles-earning credit cards out there – there are many other cards with differing points earn rates and annual fees that are also linked to Asia Miles. Check out the cards table for the list.

The highest Asia Miles-earning credit cards was last modified: November 28th, 2018 by Matt Moffitt

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Point Hacks Credit Card Information

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Comments

  1. jabs

    another option is to ask amex to link your Explorer card to the Ascent program instead of Gateway – if you also have a Platinum Edge. Makes the earn rate 2/$ instead of 1.5/$.

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