HSBC EveryMile Credit Card: do the benefits justify the fee?
Start with published benefit benchmarks, then enter what each perk is honestly worth to you. Compare the first year with a renewal year; your assumptions stay in this browser tab.
Estimate which year?
Year 1 includes your welcome bonus. Year N does not.
Annual fee in this viewHK$ 0
HSBC EveryMile Credit Card
What are the benefits worth to you?
Change any personal value, including to HK$0. Reset a row to use its implied benchmark again.
| Implied value | Your value | |
|---|---|---|
| Airport lounge / dining visitsUp to six complimentary visits are currently advertised during the promotion period, subject to HK$4,000 eligible spend within 60 days after each visit. Set your own value based on expected eligible use.Benefit source | HK$ 0 | |
| Complimentary multi-trip travel insuranceInsurance is included, but the policy conditions and your alternative coverage affect its personal value. Review the current policy and enter a value only if you would otherwise pay for similar cover.Benefit source | HK$ 0 | |
| Miles earned on your spendingReward value depends on your own eligible annual spend, earn category, transfer ratio and redemption. This tool does not estimate spend-based rewards; enter your own annual expected value if useful.Benefit source | HK$ 0 |
Year 1 only
Add a welcome offer you can actually get.
Enter the value of points, cash or other rewards you expect to redeem after meeting the offer terms. It starts at zero because promotions change.
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Read the assumptions
A benchmark is a starting point, not money in your pocket.
- Implied values come from issuer estimates or a cited comparable benchmark. They may assume specific usage, eligibility, spending, or a maximum annual credit. Each row explains the basis and links to its source.
- Use the personal-value column for what you would otherwise pay or realistically redeem, not the retail headline price of a perk you may not use.
- Check current card fees, benefit terms, promotion eligibility and redemption rules with the issuer before applying. Promotions and product terms change.
- This estimate excludes spend required to earn benefits, financing interest, foreign-currency charges, and the value of your time. It is general information, not personal financial advice.