Rently Card vs Rently FPS: fees, miles, and net yield

Rently offers two rails for the same rent. Rently FPS pays your landlord from your bank and earns HeyMax Max Miles on base rent. Rently Card charges a card, earns Standard Chartered Cathay Asia Miles on the gross charge, and adds Max Miles on base rent. The card fee is higher.

This page is for renters who already have Rently in mind and need to choose the rail, or the FPS tier, before the first payment. KeyChain Pay and RentSmart are a separate choice. They are covered in KeyChain Pay vs RentSmart vs Rently: fees, miles, and net yield.

Estimates only — not financial advice. Confirm the live fee in the Rently app before you pay. Rates on renttomiles were verified Oct 2026 and can change. This guide does not name an overall winner. Tables below leave the launch promo off unless a section says otherwise.

Bank transfer or card. FPS settles from your bank. There is no miles-card earn on that rail. Card puts the rent on a credit card. In this model the Asia Miles come from the Standard Chartered Cathay Mastercard. If you will not use that card, FPS is the Rently path that still earns Max Miles.

Fee versus miles. Fee cost per mile is a year of platform fees divided by estimated miles. Lower is better. Estimated net yield values those miles at HK$0.10 each — a comparison assumption for saver-ticket value, not cash paid to you and not a bank rate — then subtracts a year of fees. A high fee can wipe out a higher mile total. At the homepage default, the Rently Card column can go negative on base rates. Formulas are on the comparison methodology. The fee cost per mile and estimated net yield guide walks through both columns with a worked rent.

Which FPS tier. Basic is the lowest fee and the fewest miles (HK$20 = 1 with promo off). Standard sits in the middle (HK$6 = 1). Premium is what the calculator opens on (HK$4 = 1) and earns the most Max Miles of the three base rates, at the highest FPS fee. More miles is not the same thing as a higher estimated net yield. Switch the tier on the calculator for your own rent.

Launch promo. Rently’s first-288 signup cohort can use launch earn rates for up to 12 months of the tenancy. The calculator toggle is off unless you turn it on. Compare the promo table on this page only if you are in that cohort. Everyone else should use the promo-off numbers.

Miles currency. FPS miles in this model are HeyMax Max Miles on base rent. Card miles are two balances added into one estimated total: Cathay Asia Miles on the gross charge, plus Max Miles on base rent. They are not the same balance until a transfer. HeyMax’s help centre describes transfers from Max Miles to Cathay Asia Miles. Partners and windows can change. Welcome steps for a HeyMax account are in HeyMax × Rently on the homepage. This page does not list a signup code.

Premium is the default FPS column on the homepage (30,000 miles, HK$240 estimated net yield, fee cost per mile HK$0.092). Standard’s base-rate net yield at this rent is HK$440, on 20,000 miles, with fee cost per mile HK$0.078. Basic is the cheapest monthly fee (HK$40) and the fewest miles (6,000).

Card’s mile total (30,560) is close to Premium FPS (30,000). The card fee is what pulls Card’s estimated net yield to −HK$304 on these base rates. More miles than an FPS tier does not mean a better result after fees.

Those comparisons are for HK$10,000 with promo off. A different rent or a different tier can move them. The homepage badges still compare four platforms with FPS on the tier you select. They do not select an overall winner inside this table.

FPS miles are counted on base rent, not on rent plus fee. With the launch promo off, Basic earns at HK$20 = 1 Max Mile, Standard at HK$6 = 1, and Premium at HK$4 = 1. The fees are 0.4%, 1.3%, and 2.3%.

Pick the tier from the fee you will actually pay and from fee cost per mile, not from the mile total alone. At HK$10,000, Standard’s fee cost per mile (HK$0.078) is lower than Premium’s (HK$0.092) even though Premium earns more miles. Basic’s fee is the smallest monthly amount and its earn rate is the widest gap per mile.

You do not need a Standard Chartered Cathay card for this rail. If that card is the reason you are looking at Rently, read the Card section next — and the four-path guide if KeyChain Pay or RentSmart is still in the running.

Rently Card is a dual stack. The model adds Standard Chartered Cathay Asia Miles on the gross charge (HK$6 = 1) to HeyMax Max Miles on base rent. With the launch promo off, HeyMax is HK$12 = 1 Max Mile. The service fee is 2.8%. At HK$10,000 the fee is HK$280 a month, estimated miles are 30,560, fee cost per mile is HK$0.110, and estimated net yield is −HK$304.

On those base rates the year of fees is larger than the HK$0.10 mile value, so estimated net yield is negative. The Cathay leg is what the card adds on top of Max Miles. It does not, by itself, make the fee worthwhile.

The Cathay category rates for dining, hotels, and overseas spend are a different schedule from this rent rail. Read the current terms on Standard Chartered’s Cathay Mastercard page and on Rently before you pay.

Use this table only if you are in Rently’s first 288 signups cohort. The calculator’s launch-promo toggle is off unless you turn it on. Launch earn rates apply for up to 12 months of the tenancy. The service-fee percentages stay the same. Only the miles per dollar change.

With the toggle on, Card’s HeyMax leg moves from HK$12 = 1 to HK$6 = 1. The Cathay leg stays HK$6 = 1. FPS Basic moves from HK$20 = 1 to HK$18 = 1, Standard from HK$6 = 1 to HK$4.5 = 1, and Premium from HK$4 = 1 to HK$2.5 = 1.