Neo Cathay World Elite® Mastercard® Secured Review
The Bottom Line
The Cathay World Elite Mastercard is a top choice for frequent travelers to Asia, offering up to 35,000 bonus Asia Miles, high earn rates at Neo retail partners, and exclusive Cathay Pacific benefits like priority check-in and lounge access. With 12 types of insurance coverage, airport lounge access through DragonPass, and the ability to earn up to 15 miles per dollar spent at select partners, this card provides substantial value for those who regularly fly with Cathay Pacific and its partners. However, the card does require a higher income and comes with a $180 annual fee.
Our choice for: Travels to Asia
on Neo Financial's website
Welcome Bonus
Up to 35,000 Asia Miles
Annual Fee
$180
Interest Rates
19.99% - 26.99%* / 22.99% - 28.99%*
RECOMMENDED CREDIT SCORE
Rewards
- Earn 4x Asia Miles per $1 spent on Cathay Pacific flights
- Earn 2x Asia Miles per $1 spent 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
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.svg)
Car Rental Damage & Theft
Yes, 48 days
Baggage Delay
$1,000 after 4 hours
Lost or Stolen Baggage
$1,000
Trip Interruption
$5,000
Trip Cancellation
$5,000
Travel Medical Insurance (64 & under)
14 daysFlight Delay
$500
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
DragonPass only. No Complimentary visits.
Priority Travel
Online priority check-in and extra baggage redemption for Cathay Pacific, and Cathay Pacific Business class lounge redemption accessPriority 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)
Eligibility
Credit Score
PoorAnnual Income
$80,000 personal or $150,000 household
Welcome Bonus Details
- Get a welcome bonus of up to 35,000 Asia Miles
- Initial 15,000 Asia Miles are issued upon activation and first transaction and must be completed within 3 months from application approval date.
- To earn the additional 20,000 Asia Miles a minimum spend of $5,000 net of refunds must be completed within 3 months from application start date.
Card Details
Interest Rates
Purchase APR
19.99% - 26.99%*
Cash Advance APR
22.99% - 28.99%*
Fees
Annual Fee
$180
Additional Cards
$49 (max 1 additional cardholder)
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Poor
Type
Pros & Cons
Pros
- Guaranteed approval
- Generous welcome bonus
- Discount on flights
- High earn rates
- Cathay Pacific perks
- Comprehensive coverage
- Airport lounge access
Cons
- High income requirements
- Annual fee
- Limited redemption opportunities
Neo Cathay World Elite® Mastercard® Secured
4.0
FinlyWealth Rating
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