Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
25% Referral Cash Bonus
Share your unique referral link to the Neo Cathay World Elite® Mastercard® and earn a 25% rebate 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
Cash Advance: 22.99% - 28.99%
Purchase: 19.99% - 26.99%
Annual Fee
$180
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Good
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
Card Type
Category: Points
Loyalty Program: Asia Miles
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)
Neo Cathay World Elite® Mastercard® Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Cathay Pacific and Foreign purchases
72 points
All other purchases
23,964 points
Annual Fee
- $180
Net Annual Rewards
35,796 points
Valued at $464.33 (after fees)
Rewards Summary
Net Annual Rewards
35,796 points
Valued at $464.33 (after fees)
First Year Card Bonus
40,000 points
Valued at $720
First Year Card Value
35,796 points
Valued at $1,184.33
Finly Rebate
$100
Point Redemptions
Redemptions Chart
Travel with Asian Airlines
$1,184.33
Travel with other Airline partners
$956.94
Hotels
$577.96
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
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.
MX Connect
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