Neo Cathay World Elite® Mastercard®
3.6/5
Up to 30,000 Asia Miles and 10% off flights (limited time)
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.
$2,000
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.
Card Details
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
15,000 Miles after approval. 15,000 after spending $3,000 in 3 months
Card Type
Category: Points
Loyalty Program: Asia Miles
Our Rating
3.6/5
Institution
Neo Financial
Rewards
- Average of 5x Asia miles at Neo Partners
- 2x Asia miles on Cathay Pacific and foreign purchases
- 1x Asia miles at non-Neo Partners
- Considering all the reward conditions, the average estimated cash back on all purchases comes to 1.0 cent per asia miles point by FinlyWealth
Calculating reward breakdowns
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
48 days
Baggage Delay
$1,000 after 4 hours
Lost or Stolen Baggage
$1,000
Emergency Out of province Medical
14 daysFlight 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 accessPriority Travel
Airport Security Fast Track with and professional and punctual airport with Mastercard benefits
Boingo Wi-Fi hotspot
Pros & Cons
Pros
- Generous Bonus: Earn up to 30,000 bonus Asia Miles.
- High Earn Rates: Get an average of 5 miles, and up to 15 miles per $1 spent 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.