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.
Rebate + 25% Referral Bonus
Take advantage of Finly's exclusive rebate offer. Earn even more by sharing your unique referral link for a 25% 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.
Card Details
Info
Card Type | Points |
Our Rating | 4.2/5 |
Institution | Neo Financial |
Loyalty Program |
Fees & Rates
Annual Fee | $180 |
Interest Rates | Purchase: 19.99% - 26.99% Cash Advance: 22.99% - 28.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | Up to 40,000 Asia Miles (20,000 upon sign-up) |
Description | Get 20,000 Asia Miles upon sign-up, and an additional 20,000 Asia Miles after spending $5,000 within your first 90 days |
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
Point Redemptions
Redemptions Chart
Travel with Asian Airlines
$1,184.33
Travel with other Airline partners
$956.94
Hotels
$577.96