Asia Miles Points Value Calculator

Neo Cathay World Elite® Mastercard® Secured

$100

First Year Value:

$1,284.33

Annual Fee

$180

first year waived

First Year Bonus Value

$720

Modify spending to satisfy bonus requirement

Net Annual Rewards

$464.33

Annual fee deducted

$100 Cash Rebate From FinlyWealth

4/5

Our Rating

RBC Avion Visa Infinite Privilege

First Year Value:

$774.43

Annual Fee

$399

first year waived

First Year Bonus Value

$770

Modify spending to satisfy bonus requirement

Net Annual Rewards

$4.43

Annual fee deducted

35,000 Avion Points on approval*. 20,000 bonus points when you spend $5,000 in your first 6 months*. 15,000 one-time anniversary bonus points after 12 months of account opening*.

3.3/5

Our Rating

Rewards based on $2,000/month average spending. Estimates may be higher if you meet spend requirements for certain welcome bonuses. Click learn more on the card to calculate your rewards.

Asia Miles Program Breakdown

Brought to you by Cathay Pacific, Asia Miles can fund your flight from Canadian cities like Toronto or Vancouver to destinations scattered across East Asia and beyond.

The redemption opportunities don’t end there. This loyalty program can also help cover hotel stays, rental cars, and eligible products and experiences.

To discover more about where Cathay Pacific’s Asia Miles can take you, check out this overview.

How do you Earn Asia Miles?

The best way to rack up Asia Miles is to apply for one of the Neo Cathay credit cards. These cards come equipped with an Asia Miles rewards program.

To help you decipher which option is best for your spending habits, we’ve broken down both contenders below:

	Neo Cathay World Elite® Mastercard®	Neo Cathay World Elite® Mastercard® Secured
Welcome Bonus	Up to 40,000 Asia Miles (20,000 upon sign-up)	Up to 40,000 Asia Miles (20,000 upon sign-up)
Earn Rates	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)	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 Included	12 types Car Rental Personal Effects $1,000/person, $2,000 combined Car Rental Accident $100K for Cardholder, $10K spouse and child 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	12 types Car Rental Personal Effects $1,000/person, $2,000 combined Car Rental Accident $100K for Cardholder, $10K spouse and child 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 Emergency Out of province Medical 14 days Flight Delay $500 Hotel Burglary Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year
Perks	5 perks 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)	5 perks 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)
Annual Fee	$180	$180
Income Requirements	$80,000 personal or $150,000 household	$80,000 personal or $150,000 household
Apply Now	APPLY NOW	APPLY NOW

Our choice for: Travels to Asia

Neo Cathay World Elite® Mastercard®

4.2

go to Neo Financial's website

$100 Cash Rebate From FinlyWealth

Welcome Bonus*

Up to 40,000 Asia Miles (20,000 upon sign-up)

Rewards Rate*

1x - 5x Asia Miles

Annual Fee*

$180

Interest Rates

19.99% - 26.99%* / 22.99% - 28.99%*

RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

The Cathay World Elite Mastercard is a top choice for frequent travelers to Asia, offering up to 40,000 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.

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.

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*

Coverage*

Car Rental Personal Effects
$1,000/person, $2,000 combined
Car Rental Accident
$100K for Cardholder, $10K spouse and child
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)

Eligibility*

Credit Score
Good
Annual Income
$80,000 personal or $150,000 household

^*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. Check here for full details and current product information.

For a reasonable annual fee, the Neo Cathay World Elite Mastercard earns cardholders decent Asia Miles per dollar spent on Cathay Pacific flights and purchases made in foreign currency. You can also collect an Asia Mile for every dollar you spend in Canada. As a bonus, members can earn extra Asia Miles when they purchase products and services from thousands of Neo partners nationwide.

To keep cardholders secure, this Mastercard boasts 12 insurance categories. Most of these categories pertain to travel, with valuable inclusions like trip interruption and trip cancellation insurance, plus car rental accident and car rental personal effects insurance.

As far as benefits go, expect perks like an airport lounge Dragon Pass membership (excluding complimentary visits), Priority Travel perks like priority check-in, extra baggage for Cathay Pacific flights, Cathay Pacific Business Class lounge access, and Airport Security Fast Track, plus access to the Boingo Wi-Fi hotspot and discounts on flights to Asia and beyond by entering a qualifying discount code.

Keep in mind, however, that this card also comes with some high income requirements – which means it’s typically intended for high-earning frequent travellers to Asia.

Our choice for: Travels to Asia

Neo Cathay World Elite® Mastercard® Secured

go to Neo Financial's website

$100 Cash Rebate From FinlyWealth

Welcome Bonus*

Up to 40,000 Asia Miles (20,000 upon sign-up)

Rewards Rate*

1x - 5x Asia Miles

Annual Fee*

$180

Interest Rates

19.99% - 26.99%* / 22.99% - 28.99%*

RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Pros

Guaranteed Approval: The card is the same as regular but you’ll get guaranteed approval with a security deposit of at least $200 to open an account. No credit history required.
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.

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*

Coverage*

Car Rental Personal Effects
$1,000/person, $2,000 combined
Car Rental Accident
$100K for Cardholder, $10K spouse and child
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
Emergency Out of province Medical
14 days
Flight Delay
$500
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)

Eligibility*

Credit Score
Poor
Annual Income
$80,000 personal or $150,000 household

The Neo Cathay World Elite Mastercard Secured is basically the same as the Neo Cathay World Elite Mastercard, the only real difference is that you’ll have guaranteed approval for the Neo Cathay World Elite Mastercard Secured if you place a security deposit of at least $200 to open an account – no credit history required.

Overall, this makes the Neo Cathay World Elite Mastercard Secured more accessible to those with either a poor or non-extensive credit history (you’ll still need to meet those high income requirements though!).

How do you Redeem Asia Miles?

Now for the fun part: redeeming your Asia Miles.

There are a few different ways you can cash in your Asia Miles. Redemption categories include travel, eligible products, experiences, and charitable donations.

Take a look at this table for a deeper understanding of each opportunity (but keep in mind that actual values will vary based on specific redemptions):

Redemption Category	Redemption Description	Estimated Average Point Value in CAD (cents-per-mile)
Flights	Takeoff with tons of different airlines using your Asia Miles (point requirements depend heavily on cabin class)	1.62 cpm
Hotel Stays	Cover the cost of your accommodations using Asia Miles either in full or in part	0.88 to 1.08 cpm
Rental Cars	Use Asia Miles to rent a set of wheels	0.95 cpm
Experiences	Redeem Asia Miles for exclusive experiences like concerts, performances, memberships and more	0.54 - 0.68 cpm
Products	Purchase eligible products using Asia Miles	0.54 - 0.68 cpm
Donations	Donate the value of your Asia Miles to participating charitable organizations	0.54 - 0.68 cpm

Let’s unpack these redemption categories even further:

Put Your Asia Miles Towards Eligible Flights

There are plenty of airlines that take Asia Miles as flight compensation.

Perhaps the most prominent set to choose from are the other airlines within the Oneworld Alliance network, these airlines include:

Alaska Airlines
American Airlines
British Airways
Cathay Pacific (of course)
Fiji Airways
Finnair
Japan Airlines
Qantas and more

Still there are plenty of other airlines beyond the above alliance as well, such as:

Air New Zealand
Air Canada
Lufthansa
SWISS International Air Lines and more

In addition, some airline partners require that redemptions be made specifically by contacting Customer Care, these partners include:

Air Canada
Air New Zealand
Austrian Airlines
Bangkok Airways
Lufthansa Airlines
SWISS International Air Lines

The official Cathay Pacific website provides flight awards charts that detail how award miles are calculated, as well as which awards can be redeemed with airline partners, these charts include:

The Asia Miles upgrade award
The Asia Miles companion ticket award
The Airline partners award
The Oneworld multi-carrier award

Asia Miles Upgrade Award

This award chart refers to flights that are marketed and operated exclusively by Cathay Pacific.

Upgrades to the next cabin class with an eligible ticket purchase may be requested.

The table itself shows the amount of Asia Miles required by Distance zone (one-way):

Distance zone	Economy to Premium Economy	Premium Economy to Business	Economy to Business	Business to First
Ultra-short 1 - 750 miles	6,000 Asia Miles	8,000 Asia Miles	11,000 Asia Miles	15,000 Asia Miles
Short - Type 1 751 - 2,750 miles	11,000 Asia Miles	14,000 Asia Miles	19,500 Asia Miles	26,000 Asia Miles
Short - Type 2 751 - 2,750 miles	12,500 Asia Miles	16,000 Asia Miles	22,500 Asia Miles	30,000 Asia Miles
Medium 2,751 - 5,000 miles	21,000 Asia Miles	29,000 Asia Miles	40,500 Asia Miles	54,000 Asia Miles
Long 5,001 - 7,500 miles	27,500 Asia Miles	42,000 Asia Miles	59,000 Asia Miles	75,000 Asia Miles
Ultra-long 7,501+ miles	41,500 Asia Miles	55,000 Asia Miles	77,000 Asia Miles	96,000 Asia Miles

Asia Miles Companion Ticket Award

This award chart accounts for flights that are also marketed and operated exclusively by Cathay Pacific.

Those who have a First or Business class ticket can redeem a companion ticket for a travel companion.

Members can sign into their Asia Miles account to check companion award availability as long as they have an existing booking.

The following table demonstrates the Asia Miles required by distance zone (round-trip):

Distance Zone	Business Class Companion	First Class Companion
Ultra-short 1 - 750 miles	24,000 Asia Miles	N/A
Short - Type 1 751 - 2,750 miles	42,000 Asia Miles	64,400 Asia Miles
Short - Type 2 751 - 2,750 miles	48,000 Asia Miles	75,000 Asia Miles
Medium 2,751 - 5,000 miles	87,000 Asia Miles	135,000 Asia Miles
Long 5,001 - 7,500 miles	126,000 Asia Miles	187,400 Asia Miles
Ultra-long 7,501+ miles	165,000 Asia Miles	240,000 Asia Miles

Airline Partners Award

To calculate how many Asia Miles you’ll need for your next trip with an airline partner, you can check out Cathay Pacific’s Redeem flight awards page. You can also check Miles amounts on mixed-carrier awards (meaning an itinerary with Cathay Pacific plus one airline partner).

Cathay Pacific also provides a chart that breaks down what awards can be redeemed with airline partners, which we’ve pasted here:

** Note that “Y” means that awards are applicable in that category **

Airlines	First, Business and Economy	Premium Economy	Partner (mixed carrier)	Oneworld multi-carrier
Air Canada	Y		Y
Air China	Y
Air New Zealand	Y		Y
Alaska Airlines	Y		Y	Y
American Airlines	Y	Y	Y	Y
Austrian Airlines	Y		Y
Bangkok Airways	Y		Y
British Airways	Y	Y	Y	Y
Cathay Pacific	Y	Y	Y	Y
Fiji Airways	Y		Y	Y
Finnair	Y		Y	Y
Iberia	Y (round-trip only)	Y (round-trip only)	Y	Y
Japan Airlines	Y		Y	Y
LATAM	Y	Y	Y
Lufthansa	Y	Y	Y
Malaysia Airlines	Y		Y	Y
Qantas	Y	Y	Y	Y
Qatar Airways	Y		Y	Y
Royal Air Maroc	Y		Y	Y
Royal Jordanian Airlines	Y		Y	Y
Shenzhen Airlines	Y		Y
SriLankan Airlines	Y		Y	Y
SWISS International Air Lines	Y		Y

Oneworld Multi-Carrier Award

The following reward chart tells you how many miles are required when redeeming two or more Oneworld alliance airlines.

This chart is applicable to those who are redeeming a round-trip award ticket with an itinerary that accounts for:

Two Oneworld alliance airlines, in which Cathay Pacific is not one of the selected carriers
Three or more Oneworld alliance airlines, in which Cathay Pacific is one of the selected carriers

Award Zone	Distance in actual miles	Economy	Business	First
01	0 - 1,000	30,000 Asia Miles	60,000 Asia Miles	75,000 Asia Miles
02	1,001 - 1,500	35,000 Asia Miles	65,000 Asia Miles	85,000 Asia Miles
03	1,501 - 2,000	40,000 Asia Miles	70,000 Asia Miles	95,000 Asia Miles
04	2,001 - 4,000	45,000 Asia Miles	80,000 Asia Miles	110,000 Asia Miles
05	4,001 - 7,500	63,000 Asia Miles	100,000 Asia Miles	150,000 Asia Miles
06	7,501 - 9,000	68,000 Asia Miles	120,000 Asia Miles	165,000 Asia Miles
07	9,001 - 10,000	77,000 Asia Miles	135,000 Asia Miles	175,000 Asia Miles
08	10,001 - 14,000	95,000 Asia Miles	170,000 Asia Miles	250,000 Asia Miles
09	14,001 - 18,000	105,000 Asia Miles	210,000 Asia Miles	310,000 Asia Miles
10	18,001 - 20,000	115,000 Asia Miles	230,000 Asia Miles	330,000 Asia Miles
11	20,001 - 25,000	126,000 Asia Miles	250,000 Asia Miles	350,000 Asia Miles
12	25,001 - 35,000	140,000 Asia Miles	265,000 Asia Miles	365,000 Asia Miles
13	35,001 - 50,000	160,000 Asia Miles	280,000 Asia Miles	380,000 Asia Miles

Award-Rate Updates

In addition to the previous awards charts, Cathay Pacific has also released some updates pertaining to standard awards for flights marketed and operated by Cathay Pacific.

With this in mind, the following chart indicates the latest changes to standard awards, signifying both increases and decreases in the amount of miles required for travel to popular destinations:

Examples (From/To Hong Kong)	Cabin Class	Asia Miles Required (one-way) As of 14 April 2025	Asia Miles Required (one-way) Starting from 15 April 2025
Hangzhou, Manila, Taipei	Economy	7,500 Asia Miles	7,000 Asia Miles
Bangkok, Shanghai, Singapore	Economy	10,000 Asia Miles	9,000 Asia Miles
Denpasar, Osaka, Tokyo	Economy	12,500 Asia Miles	13,000 Asia Miles
London, Los Angeles, Vancouver	Business	84,000 Asia Miles	88,000 Asia Miles
Boston, New York, Toronto	Business	110,000 Asia Miles	115,000 Asia Miles

Cover the Cost of Accommodations

Once you’ve touched-down into your desired destination, you can even use Asia Miles to cover the cost of your accommodations.

Participating accommodation partners and booking platforms include:

Hotels.com
Fairmont Hotels & Resorts
Ibis Hotels
Grand Mercure Hotels and Apartments
Angsana Hotels & Resorts
MGallery Hotels
Best Western and more

To secure an eligible booking, head to the Asia Miles travel rewards redemption site and select the “Hotels” tab.

Redeem for Rental Cars

Need a way to travel from the airport to your hotel? Or perhaps even from the hotel to every item on your trip itinerary? This is where rental car redemptions come in handy.

Thankfully, you can take your Asia Miles and turn them into temporary transportation.

Participating rental car companies include:

Avis
Budget Car Rental
HERTZ
Europcar

To arrange your rental, revisit the Asia Miles travel rewards redemption site and select the “Cars” tab instead.

Apply Miles Towards Eligible Experiences

Beyond flights, accommodations, and rental cars, you may also want to use your Asia Miles for some exclusive experiences.

Browse the Asia Miles rewards website’s catalogue of concerts and entertainment to check out which events you can redeem Asia Miles towards – either in full or split with cash.

Expect opportunities like:

Live performances
Music services
Music award shows
Theatre gift cards and more

Once you see something you like, sign in to add the experience to your cart and proceed to checkout.

Morph Miles Into Merchandise

On top of experiences, you can also trade miles for something a little more tangible.

Explore other categories within the Asia Miles catalogue like:

Travel & Sports
Food & Wine
Electronics
Home
Fashion & Beauty
Gift Cards

Each category unlocks tons of products that you can pay for using Asia Miles instead of hard-earned money.

The exact cent-per-point value of your purchase will also depend on the product you're looking to redeem points towards.

To calculate your miles-per-point value on a specific product, simply divide the value of the product by the amount of miles required for the redemption, then multiply that result by 100.

Note that this same equation can be applied to any redemption category, allowing you to pin-point your reward value beyond estimated averages.

Trade Miles for a Thoughtful Donation

Looking to give back? If you scroll down near the bottom of the Air Miles rewards categories, you’ll find a charity section. Select this section to open up an entire catalogue of participating charitable organizations that will gladly accept a specified amount of Asia Miles for a meaningful contribution to their cause or causes.

Featured organizations include:

UNICEF Hong Kong
Food Angel
Feeding Hong Kong
Ronald McDonald House Charities Hong Kong
Make-A-Wish Hong Kong and more

Simply sign into your Asia Miles account to add a cause to your cart and proceed to checkout.

So, How do you Optimize your Asia Miles?

Based on the main redemption table, the best way to optimize your Asia Miles is to put them towards travel – specifically eligible flights.

That said, you can still accumulate decent value in other travel-redemption categories like accommodations and car rentals.

From time to time, you can even trade Asia Miles for other experiences, products, and donations – just don’t expect the same value on average.

Are Asia Miles Worth it?

If you’re a frequent flyer, especially to destinations within Asia, then Asia Miles will be the most worthwhile to your spending and travelling habits.

Since you’ll also need to meet the hefty annual income requirements of the top two Cathay credit cards in Canada, you also may want to be a particularly high-earner.

Frequently Asked Questions

Do I need to be a high-earner to collect Asia Miles?

Technically, there's an annual income loophole when it comes to collecting Asia Miles. If you don't meet the annual income requirements of the Neo Cathay cards, you can also apply for eligible RBC Avion or American Express credit cards that allow you to transfer their respective rewards points to Asia Miles.

This type of transfer is most valuable with RBC Avion, since transfers can be made at a 1:1 ratio. Slightly lower annual income cards are also available with decent transferable reward rates, like the RBC Avion Visa Infinite Card. Alternatively, for no annual income requirement (but a lower flat-rate of transferable point-potential) you can take a look at the RBC Avion Visa Platinum Card.

The transfer rate for American Express Membership Rewards to Asia Miles is less than 1:1. For every 1,000 Membership Rewards points, you'll only receive 750 Asia Miles. Still, there are plenty of Amex cards that have lucrative point-potential, like the American Express Cobalt Card. As long as you don't mind spending a little more on an annual fee, you can avoid annual income requirements with this card and collect plenty of transferable points on common spend categories to help balance out the point-transfer rate.

Asia Miles Points Value in Increments

	Optimal Redemption Value 1.8¢ / point		Optimal Redemption Value 1.8¢ / point
1 point	$0.018	60,000 points	$1,080
10 points	$0.18	65,000 points	$1,170
100 points	$1.8	70,000 points	$1,260
1,000 points	$18	75,000 points	$1,350
2,500 points	$45	80,000 points	$1,440
5,000 points	$90	85,000 points	$1,530
10,000 points	$180	90,000 points	$1,620
15,000 points	$270	95,000 points	$1,710
20,000 points	$360	100,000 points	$1,800
25,000 points	$450	125,000 points	$2,250
30,000 points	$540	150,000 points	$2,700
35,000 points	$630	200,000 points	$3,600
40,000 points	$720	250,000 points	$4,500
45,000 points	$810	500,000 points	$9,000
50,000 points	$900	750,000 points	$13,500
55,000 points	$990	1,000,000 points	$18,000

How do you Earn Asia Miles?
How do you Redeem Asia Miles?
So, How do you Optimize your Asia Miles?
Are Asia Miles Worth it?
Frequently Asked Questions

Point Increments
Other Point Calculators

Share this page

Best Credit Cards for the Asia Miles Loyalty Program

These credit cards will give you the most rewards and benefits to optimize for Asia Miles points

Exclusive Cash Rebates

When you sign up and apply through our offer page, we'll send you a cash rebate directly to your bank account via e-Transfer upon approval. Terms and conditions may apply.

Click offer button on each card to learn more

Follow these simple steps to secure your cash rebate:

Click the "Offer" button on any eligible credit card
Complete your sign-up/sign-in on FinlyWealth first so we can track your application
Apply for the credit card through our referral link on the card's rebate offer page
Once approved, the institution will verify your application and send us your confirmation within 5-10 days, though this may vary by institution and potentially take longer
Once we receive the confirmation, we'll send you a cash rebate via e-Transfer within 10 days

Many have already claimed their rebates! See what the community is saying on our Trustpilot reviews and discover real success stories.

Note: Rebate timelines vary by institution. Approval is subject to the issuer's criteria. You must apply through our referral link to qualify for the rebate.

Neo Cathay World Elite® Mastercard®

$100

First Year Value:

$1,284.33

Annual Fee

$180

first year waived

First Year Bonus Value

$720

Modify spending to satisfy bonus requirement

Net Annual Rewards

$464.33

Annual fee deducted

$100 Cash Rebate From FinlyWealth

4.2/5

Our Rating

Neo Cathay World Elite® Mastercard® Secured

$100

First Year Value:

$1,284.33

Annual Fee

$180

first year waived

First Year Bonus Value

$720

Modify spending to satisfy bonus requirement

Net Annual Rewards

$464.33

Annual fee deducted

$100 Cash Rebate From FinlyWealth

4/5

Our Rating

RBC Avion Visa Infinite Privilege

First Year Value:

$774.43

Annual Fee

$399

first year waived

First Year Bonus Value

$770

Modify spending to satisfy bonus requirement

Net Annual Rewards

$4.43

Annual fee deducted

35,000 Avion Points on approval*. 20,000 bonus points when you spend $5,000 in your first 6 months*. 15,000 one-time anniversary bonus points after 12 months of account opening*.

3.3/5

Our Rating

Rewards based on $2,000/month average spending. Estimates may be higher if you meet spend requirements for certain welcome bonuses. Click learn more on the card to calculate your rewards.

Asia Miles Program Breakdown

Brought to you by Cathay Pacific, Asia Miles can fund your flight from Canadian cities like Toronto or Vancouver to destinations scattered across East Asia and beyond.

The redemption opportunities don’t end there. This loyalty program can also help cover hotel stays, rental cars, and eligible products and experiences.

To discover more about where Cathay Pacific’s Asia Miles can take you, check out this overview.

How do you Earn Asia Miles?

The best way to rack up Asia Miles is to apply for one of the Neo Cathay credit cards. These cards come equipped with an Asia Miles rewards program.

To help you decipher which option is best for your spending habits, we’ve broken down both contenders below:

	Neo Cathay World Elite® Mastercard®	Neo Cathay World Elite® Mastercard® Secured
Welcome Bonus	Up to 40,000 Asia Miles (20,000 upon sign-up)	Up to 40,000 Asia Miles (20,000 upon sign-up)
Earn Rates	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)	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 Included	12 types Car Rental Personal Effects $1,000/person, $2,000 combined Car Rental Accident $100K for Cardholder, $10K spouse and child 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	12 types Car Rental Personal Effects $1,000/person, $2,000 combined Car Rental Accident $100K for Cardholder, $10K spouse and child 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 Emergency Out of province Medical 14 days Flight Delay $500 Hotel Burglary Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year
Perks	5 perks 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)	5 perks 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)
Annual Fee	$180	$180
Income Requirements	$80,000 personal or $150,000 household	$80,000 personal or $150,000 household
Apply Now	APPLY NOW	APPLY NOW

Our choice for: Travels to Asia

Neo Cathay World Elite® Mastercard®

4.2

go to Neo Financial's website

$100 Cash Rebate From FinlyWealth

Welcome Bonus*

Up to 40,000 Asia Miles (20,000 upon sign-up)

Rewards Rate*

1x - 5x Asia Miles

Annual Fee*

$180

Interest Rates

19.99% - 26.99%* / 22.99% - 28.99%*

RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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.

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*

Coverage*

Car Rental Personal Effects
$1,000/person, $2,000 combined
Car Rental Accident
$100K for Cardholder, $10K spouse and child
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)

Eligibility*

Credit Score
Good
Annual Income
$80,000 personal or $150,000 household

Keep in mind, however, that this card also comes with some high income requirements – which means it’s typically intended for high-earning frequent travellers to Asia.

Our choice for: Travels to Asia

Neo Cathay World Elite® Mastercard® Secured

go to Neo Financial's website

$100 Cash Rebate From FinlyWealth

Welcome Bonus*

Up to 40,000 Asia Miles (20,000 upon sign-up)

Rewards Rate*

1x - 5x Asia Miles

Annual Fee*

$180

Interest Rates

19.99% - 26.99%* / 22.99% - 28.99%*

RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent