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/5
Neo Financial
Mastercard
Neo Cathay World Elite® Mastercard® SecuredPoints Calculator
Up to 60,000 Asia Miles (35,000 upon approval)
Our Take
The Cathay World Elite Mastercard is a top choice for frequent travelers to Asia, offering up to 60,000 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.
Card Details
Interest Rates
Purchase: 19.99% - 26.99%*
Cash Advance: 22.99% - 28.99%*
* The Purchase Credit Rate on the Cathay World Elite® Mastercard® is (19.99%-26.99%) and the Cash Advance Rate is (22.99%-28.99%). The standard rate on Purchases and Cash Advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.
Annual Fees
Main Card: $180
Additional Cards: $49 (max 1 additional cardholder)
Welcome Bonus
- Get a welcome bonus of up to 60,000 Asia Miles
- Get 35,000 Asia Miles on approval
- Get an additional 20,000 Asia Miles after spending $5,000 within your first 90 days
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300⁎Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Secured Credit
Our Rating
4/5
Institution
Neo Financial
How You Earn 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
- 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).
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
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.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)
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
Legal
The Cathay World Elite® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard, World Elite® and the circles design are registered trademarks of Mastercard International Incorporated.
The Cathay World Elite® Mastercard is not available in Quebec.