Rebate + 25% Referral Bonus
Take advantage of Finly's exclusive rebate offer. Earn even more by sharing your unique referral link for a 25% bonus. Learn more about the Finly referral program.
Card Details
Based on $2,000 spending
First Year Value
$1,284.33
$464.33 in years after
Annual Rewards
$644.33
Asia Miles
First Year Bonus
$720
Asia Miles
Finly Rebate
Annual Fee
$180
First Year Value
$1,284.33
$464.33 in years after
An additional earn rate of 0.49x is added to the base rate on eligible spending categories (e.g. food and online shopping). This average is based on Neo Partners' historical data, where users earned $120 in extra cash back per year on $2,000 monthly spending.
Interest Rates
Purchase: 19.99% - 26.99%*
Cash Advance: 22.99% - 28.99%*
Annual Fee
$180
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Welcome Bonus
Get 20,000 Asia Miles upon sign-up, and an additional 20,000 Asia Miles after spending $5,000 within your first 90 days
Our Rating
4.2/5
Institution
Neo Financial
Rewards†
- Earn 2x Asia Miles per $1 spent on Cathay Pacific flights and on purchases made in foreign currencies
- Earn 1x Asia Miles per $1 spent in Canada
- Earn an average of 5x the Asia Miles when you spend at thousands of Neo partners nationwide
- Save up to 15% off on flights to Asia and beyond when you pay with your Cathay World Elite Mastercard and enter the discount code CXNEO15OFF (valid until Dec 31, 2025)
Insurance & Benefits†
Insurance
Coverage
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Car Rental Personal Effects
$1,000/person, $2,000 combined
Car Rental Accident
$100K for Cardholder, $10K spouse and child
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Car Rental Damage & Theft
48 days
Baggage Delay
$1,000 after 4 hours
Lost or Stolen Baggage
$1,000
Trip Cancellation
$5,000
Trip Interruption
$5,000
Emergency Out of province Medical
14 days
Flight Delay
$250/day, $500 Maximum
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only. No Complimentary visits!
Priority Travel
Online priority check-in and extra baggage redemption for Cathay Pacific, and Cathay Pacific Business class lounge redemption access
Priority Travel
Airport Security Fast Track with and professional and punctual airport with Mastercard benefits
Boingo Wi-Fi hotspot
Discount
Save up to 15% off on flights to Asia and beyond when you pay with your Cathay World Elite Mastercard and enter the discount code CXNEO15OFF (valid until Dec 31, 2025)
Pros & Cons
Pros
- Generous Bonus: Earn up to 40,000 bonus Asia Miles.
- Discount on flights: Up to 15% discount on flights to Asia and beyond with code CXNEO15OFF (valid until Dec 31, 2025).
- High Earn Rates: Get an average of 5 miles, and up to 15 miles per $1 spent (first time purchases) at Neo retail partners.
- Cathay Pacific Perks: Enjoy several exclusive benefits with Cathay Pacific.
- Comprehensive Insurance: Comes with 12 types of insurance coverage.
- Airport Lounge Access: Gain entry to airport lounges with a Mastercard Travel Pass membership.
Cons
- High Income Requirement: Requires a minimum personal income of $80,000 or $150,000 household income.
- Annual Fee: The card comes with a high annual fee of $180.
- Limited Redemption: Asia Miles cannot be redeemed for flights within Canada.