How often is this page updated?

The fees and offers on this page were checked on 13 Oct 2026. The opening fees, miles, and cost per mile are computed from the calculator at HK$10,000 a month when the site is built. Re-check the live apps before you pay, and use the calculator for your own rent.

Editorial · October 2026

Hong Kong rent payment fees and miles, October 2026

At HK$10,000 a month, with the launch promo off: KeyChain Pay: 1.8% fee (HK$180 a month), 40,428 miles a year, HK$0.053 per mile, checked 13 Oct 2026. RentSmart: 1.6% fee (HK$160 a month), 20,000 miles a year, HK$0.096 per mile, checked 13 Oct 2026. Rently Card: 2.8% fee (HK$280 a month), 30,560 miles a year, HK$0.110 per mile, checked 13 Oct 2026. Rently FPS (Premium): 2.3% fee (HK$230 a month), 30,000 miles a year, HK$0.092 per mile, checked 13 Oct 2026. KeyChain Pay suits an HSBC Visa Signature and EveryMile pair. RentSmart suits a Standard Chartered Cathay Mastercard. Rently Card suits a card payment that stacks Asia Miles with Max Miles. Rently FPS suits a bank transfer. renttomiles does not pick an overall winner.

Fees and offers cited below, with the page we checked. Omitted if we could not verify. Calculator maths unchanged; confirm the live app before paying rent.

Platform rates verified Oct 2026 (last checked 13 Oct 2026).

Cards the calculator can compare

The calculator can also compare Citi PremierMiles at HK$8 = 1 mile, DBS Black at HK$6 = 1 mile, and Mox at HK$10 = 1 mile or Mox+ at HK$5 = 1 mile. Those are the card earn rates in the model. KeyChain Pay, RentSmart, and Rently accept Citi, DBS, and Mox cards for rent. The Citi, DBS or Mox guide cites the issuer pages. What a year on the KeyChain Pay column can book is in the Cathay award guide. See what those miles buy.

Platform fees (modeled)

KeyChain Pay — HSBC Visa/Mastercard (residential)

Modeled 1.8% service fee on rent for the default HSBC dual route in our calculator.

Source checked 13 Oct 2026
KeyChain Pay — other HK domestic Visa/Mastercard

1.98% on rent for non-HSBC cards in our calculator.

Source checked 13 Oct 2026
RentSmart — Mastercard

1.6% service fee on rent; Standard Chartered Cathay Mastercard earns Asia Miles at HK$6 = 1 on base rent in our model.

Source checked 13 Oct 2026
RentSmart — Visa

2% service fee on rent (user-verified standard tier; marketing page also lists 2.0%–2.4%).

Source checked 13 Oct 2026
Rently Card

2.8% processing fee on rent; Asia Miles on gross charge plus HeyMax Max Miles on base rent in our calculator (launch promo off).

Source checked 13 Oct 2026
Rently FPS tiers

Basic 0.4%, Standard 1.3%, Premium 2.3% on rent; Max Miles on base rent only.

Source checked 13 Oct 2026

Platform promos

RentSmart signup code

Code RSli8skt for HK$100 off first rent statement (RentSmart app signup). Does not change calculator fees.

Source checked 13 Oct 2026
Rently referral code Rent2Miles

Rent2Miles: +1,000 Max Miles for new Rently users after the first month's rent is paid, valid until 31 Dec 2026. Enter on Rently's payment summary page. Separate from HeyMax code B4659926. Does not change calculator fees.

Rently referral code Rent2Miles checked 13 Oct 2026
RentSmart × Standard Chartered Cathay — first-cycle fee waiver

One-off 1.6% service-fee waiver (cap HK$2,400) for eligible SC Cathay Mastercard first RentSmart transaction through 31 December 2026.

Source checked 13 Oct 2026

Card welcome & partner offers

Standard Chartered Cathay Mastercard — RentSmart approval miles

13,000 Asia Miles on card approval (no spend) when applying 1 October – 31 December 2026, if approved by 21 January 2027. Welcome offers are separate from recurring rent miles.

Source checked 13 Oct 2026
Standard Chartered Cathay Mastercard — partner welcome window

RentSmart partner page lists New Cardholder welcome choices through 30 October 2026; confirm card tier on Standard Chartered’s site.

Source checked 13 Oct 2026
HeyMax × Rently

B4659926 referral / link for 200 Max Miles welcome (qualifying purchase required). Transfers to Cathay Asia Miles are a separate step.

Source checked 14 Oct 2026

Frequently asked questions

How do the rent payment platforms compare this month?: At HK$10,000 a month, with the launch promo off: KeyChain Pay: 1.8% fee (HK$180 a month), 40,428 miles a year, HK$0.053 per mile, checked 13 Oct 2026. RentSmart: 1.6% fee (HK$160 a month), 20,000 miles a year, HK$0.096 per mile, checked 13 Oct 2026. Rently Card: 2.8% fee (HK$280 a month), 30,560 miles a year, HK$0.110 per mile, checked 13 Oct 2026. Rently FPS (Premium): 2.3% fee (HK$230 a month), 30,000 miles a year, HK$0.092 per mile, checked 13 Oct 2026. KeyChain Pay suits an HSBC Visa Signature and EveryMile pair. RentSmart suits a Standard Chartered Cathay Mastercard. Rently Card suits a card payment that stacks Asia Miles with Max Miles. Rently FPS suits a bank transfer. renttomiles does not pick an overall winner. Confirm the live fee in each app before you pay.
Which extra cards can the calculator compare?: The calculator can also compare Citi PremierMiles at HK$8 = 1 mile, DBS Black at HK$6 = 1 mile, and Mox at HK$10 = 1 mile or Mox+ at HK$5 = 1 mile. Those are the card earn rates in the model. KeyChain Pay, RentSmart, and Rently accept Citi, DBS, and Mox cards for rent. The card guide at /guides/citi-dbs-mox-rent-miles/ cites the issuer pages.
How often is this page updated?: The fees and offers on this page were checked on 13 Oct 2026. The opening fees, miles, and cost per mile are computed from the calculator at HK$10,000 a month when the site is built. Re-check the live apps before you pay, and use the calculator for your own rent.

Open the calculator Fee cost per mile methodology