How do I earn Asia Miles paying rent with RentSmart?

RentSmart charges your Mastercard and pays the landlord by bank transfer. On the path renttomiles models, the Standard Chartered Cathay Mastercard earns HK$6 = 1 Asia Mile on base rent, not on the service fee. Confirm the live earn rule in the RentSmart app and on the card page before you pay.

What card does renttomiles model for RentSmart?

The Standard Chartered Cathay Mastercard. The bank page also lists Priority Banking and Priority Private tiers. The RentSmart column does not apply that rent rate to a different Mastercard.

What is the RentSmart service fee for SC Cathay?

The calculator models 1.6% on the Mastercard rail. At HK$10,000 a month that is HK$160. Rates verified Oct 2026. Confirm the live fee in the app. A first-time fee waiver, if you qualify, is a one-off and is not the fee in this recurring figure.

What is HK$6 = 1 Asia Mile on RentSmart?

One Asia Mile per HK$6 of base rent on the modeled Standard Chartered Cathay route. The fee is not included in that count. At HK$10,000 a month that is 20,000 estimated miles a year. Dining, hotels, and overseas rates on the card are a different schedule.

What is the first-time SC Cathay RentSmart fee waiver?

A one-off 1.6% service-fee waiver, up to HK$2,400, on an eligible Standard Chartered Cathay Mastercard that has never transacted on RentSmart. The waived transaction is capped at HK$150,000. RentSmart’s partner page dates it from 1 May until 31 December; Standard Chartered’s Cathay page says from now to 31 December 2026 (both fetched 9 Oct 2026). It applies once per user and/or eligible card. Do not treat it as twelve months of waived fees.

What is the RENTMILES invitation code?

RENTMILES is the invitation code on RentSmart’s Cathay partner page for 10 November 2025 – 31 December 2026. Enter it while you register. That page says a missed code cannot be added later. The published reward is 1,000 Asia Miles after a first residential or parking Mastercard rent of at least HK$3,000, once you submit a Cathay membership number and a matching name. Commercial rent uses BIZMILES for 1,500 Asia Miles in the same window. These miles are a one-off. They are not in the recurring fee-cost-per-mile table.

Until when does the SC Cathay welcome offer on the RentSmart partner page run?

The RentSmart × Standard Chartered page (fetched 9 Oct 2026) says from now until 30 October. This guide treats that as 30 October 2026 because the hero sentence does not repeat the year. It describes New Cardholders choosing up to 120,000 Asia Miles or a FanFest offer (up to HK$10,000 Apple Store gift card) on designated spend, plus extra HK$1 = 1 mile on eligible spending beyond HK$30,000 within two months of issuance, up to 20,000 extra miles. Standard Chartered’s Cathay page markets smaller welcome caps on the standard and Priority Banking tiers, and a separate Cathay gift-card window through 30 November 2026. Welcome miles are not in the recurring table. Confirm New Cardholder status on the bank’s page.

RentSmart vs Rently Card if I already have SC Cathay?

Same card, different rails. RentSmart models 1.6% and Asia Miles on base rent. At HK$10,000 a month, with the Rently launch promo off, that is HK$160 a month, 20,000 estimated miles, fee cost per mile HK$0.096, and estimated net yield HK$80. Rently Card models 2.8%, Asia Miles on the gross charge, plus HeyMax Max Miles on base rent: HK$280 a month, 30,560 estimated miles, fee cost per mile HK$0.110, and estimated net yield −HK$304. Neither figure is an overall winner. Re-run the calculator at your rent.

Does renttomiles pick RentSmart as the winner?

No. At HK$10,000 a month, with the launch promo off and Rently FPS on Premium, RentSmart’s HK$160 fee carries the lowest service fee badge. That badge is one dimension. KeyChain Pay shows 40,428 estimated miles and fee cost per mile HK$0.053 on the modeled HSBC route. Rently FPS Premium shows 30,000 estimated miles and fee cost per mile HK$0.092. renttomiles does not pick an overall winner.

Does renttomiles process my rent?

No. renttomiles is an independent calculator only. It does not process rent payments or give financial advice.

Is this page about deposits and agency fees?

No. This page is monthly rent on RentSmart with the Standard Chartered Cathay Mastercard. Deposit, advance rent, agency commission, and the separate Centaline block on the bank’s Cathay page are out of scope.

RentSmart + Standard Chartered Cathay Mastercard: set up Asia Miles on monthly rent

Updated 9 Oct 2026 Platform rates verified Oct 2026 Official promo pages fetched 9 Oct 2026

RentSmart turns Hong Kong monthly rent into a Mastercard charge so the Standard Chartered Cathay Mastercard can earn Asia Miles. This page is the setup, the promo windows, and the fee cost per mile for that path. It is not the four-path comparison in KeyChain Pay vs RentSmart vs Rently, and it is not a move-in guide for deposits or agency commission.

Estimates only — not financial advice. Confirm the live fee in the RentSmart app and the card terms before you pay. Rates on renttomiles were verified Oct 2026 and can change. This guide does not name an overall winner.

SC Cathay welcome, through 30 October 2026. The RentSmart × Standard Chartered page (fetched 9 Oct 2026) says from now until 30 October. The hero does not repeat the year, so this guide treats it as 30 October 2026. New Cardholders can choose up to 120,000 Asia Miles or a FanFest offer (up to HK$10,000 Apple Store gift card) on designated spend. Eligible spending beyond HK$30,000 within two months of issuance can earn extra HK$1 = 1 mile, up to 20,000 extra miles. Re-check Standard Chartered’s Cathay page before you apply. Those miles are not in the recurring table below.

RENTMILES and the first-time fee waiver, through 31 December 2026. Enter RENTMILES when you register for 1,000 Asia Miles on a qualifying residential or parking Mastercard rent (10 November 2025 – 31 December 2026). The first-time waiver is a one-off 1.6% up to HK$2,400. After those dates, the recurring comparison stays on the 1.6% fee and HK$6 = 1 on base rent.

Who this path is for

This fits if you hold, or will apply for, a Standard Chartered Cathay Mastercard — the standard card, Priority Banking, or Priority Private — and you want Asia Miles on monthly rent without an HSBC KeyChain route.

It is a weaker fit when another rail matches the cards you already have:

HSBC miles cards: start with KeyChain Pay in KeyChain Pay vs RentSmart vs Rently.
Bank transfer and Max Miles: start with Rently FPS in Rently Card vs Rently FPS, then the HeyMax Hong Kong guide if you need the transfer rules.
Citi PayAll is not a column on this calculator.

The landlord typically receives a bank transfer and does not need to sign up. RentSmart’s partner pages say the payment is credited to the designated account within 3 business days. Pay early enough for that window. A beginner view of how card rent works is the pay rent and earn miles guide.

Quick facts

The platform row is the renttomiles model, rates verified Oct 2026. Promo rows are from the official pages fetched 9 Oct 2026. Re-check both before you pay.

RentSmart and Standard Chartered Cathay facts for monthly rent, as modeled on renttomiles and fetched 9 Oct 2026
Item	As modeled or on the official page
Modeled platform fee	1.6% Mastercard rail (HK$160 a month at HK$10,000)
Asia Miles on rent	HK$6 = 1 on base rent, not on rent plus the fee
On the calculator	Yes — the RentSmart column
First-time fee waiver	One-off 1.6%, up to HK$2,400, cap HK$150,000, through 31 December 2026
Settlement	Credited within about 3 business days, on the partner-page wording
Move-in costs	Out of scope. Deposit, advance rent, and agency commission stay off this page.

On Standard Chartered’s Cathay page, other Hong Kong-dollar spending is published at HK$6 = 1 Asia Mile. Dining, hotels, and overseas categories are often richer, and they differ by tier. Those rates are not the rent rail in the calculator.

Setup checklist

Steps follow RentSmart’s partner-page order. They are a checklist, not a copy of the terms. Check the app for approval status. This page does not set a processing time.

Download RentSmart from the App Store or Google Play and register.
Enter invitation codes at registration. RentSmart’s Cathay page says a code that is missing at signup cannot be added later.
- RENTMILES — first residential or parking Mastercard rent of at least HK$3,000, then submit your Cathay membership number and a matching name, for 1,000 Asia Miles. Window: 10 November 2025 – 31 December 2026. Commercial rent uses BIZMILES (1,500 Asia Miles) on the same page.
- Homepage Insights also shows coupon RSli8skt for a HK$100 rent coupon on the first statement. If the app accepts only one invitation code, pick before you submit. Using that coupon, or the Insights apply link, may earn renttomiles a referral. The code does not change the calculator.
Finish identity verification and upload the tenancy, landlord, and payee details the app asks for, including the rental agreement. Check the app before you schedule the first payment.
Apply for or add the Standard Chartered Cathay Mastercard if you do not have one. On the bank’s page, a New Cardholder has not held and has not cancelled a principal Standard Chartered or MANHATTAN credit card in the six months before approval. Confirm that definition on sc.com. This guide does not say which apply link unlocks which welcome tier.
Pay monthly rent with the eligible Cathay Mastercard in the app. If the app asks for the first 6 digits of the card, that is how the RentSmart × Standard Chartered page says you claim the Cathay discount.
For the first-time fee waiver, the card must never have transacted on RentSmart. The waiver is once only, on a transaction capped at HK$150,000, up to HK$2,400. Confirm it is still live through 31 December 2026.
Open the calculator at your rent and read the RentSmart column for fee cost per mile and estimated net yield. The worked example below uses HK$10,000.

Promo windows vs the evergreen rate

Three clocks run at once. Only the 1.6% fee and HK$6 = 1 on base rent belong in a year of fee cost per mile. Welcome miles, RENTMILES, and the fee waiver are one-offs.

Welcome. The callout above is the RentSmart partner page (fetched 9 Oct 2026). Standard Chartered’s Cathay page markets a smaller cap on lower tiers: up to 40,000 Asia Miles on the standard card, up to 100,000 on Priority Banking, and up to 120,000 on Priority Private, or a Cathay gift card, on eligible spend in the first two months. That page also offers a Cathay gift-card choice through 30 November 2026. Do not assume 120,000 miles, or the Apple Store gift card, applies to every tier and every apply link.

RENTMILES. RentSmart’s Cathay page (10 November 2025 – 31 December 2026) credits 1,000 Asia Miles within about 30 working days after you submit a Cathay membership number and a matching name. Commercial rent on that page uses BIZMILES for 1,500 Asia Miles. The code has to be entered at registration.

Fee waiver. RentSmart × Standard Chartered says from 1 May until 31 December and does not repeat the year. Standard Chartered says from now to 31 December 2026. It is once per user and/or eligible card, and it changes month 1 only.

Homepage Insights, separately. Insights summarises applications 1 October – 31 December 2026 for 13,000 bonus miles on approval by 21 January 2027, with no spend, via the link on that card, plus coupon RSli8skt. The bank’s page, fetched 9 Oct 2026, describes an additional 13,000 miles for a referred New Cardholder through 1 January 2027. It does not repeat the Insights approval date. Re-check the bank. If you use the Insights link or coupon, renttomiles may earn a referral. Neither changes the comparison numbers.

After the promos. When 30 October 2026 passes, drop the welcome urgency. When 31 December 2026 passes, drop RENTMILES and the waiver unless the official pages extend them. The recurring model stays HK$6 = 1 on base rent and the 1.6% fee.

Deposit, advance rent, agency commission, and the Centaline block on the bank’s Cathay page are a different offer. A later guide can cover move-in costs. Leave them out of this table.

A snapshot at HK$10,000

Same assumptions as the live calculator: Rently launch promo off, Rently FPS on Premium. As shown on renttomiles, rates verified Oct 2026. Service fee, estimated miles, fee cost per mile, and estimated net yield are the recurring model only. Welcome miles, RENTMILES, and the fee waiver are not in these cells.

KeyChain Pay

Service fee / month

HK$180

Est. miles / year

40,428

Fee cost / mile

HK$0.053

Est. net yield / year

HK$1,883
RentSmart

Service fee / month

HK$160

Est. miles / year

20,000

Fee cost / mile

HK$0.096

Est. net yield / year

HK$80
Rently Card

Service fee / month

HK$280

Est. miles / year

30,560

Fee cost / mile

HK$0.110

Est. net yield / year

−HK$304
Rently FPS (Premium)

Service fee / month

HK$230

Est. miles / year

30,000

Fee cost / mile

HK$0.092

Est. net yield / year

HK$240

HK$10,000 monthly rent, launch promo off, Rently FPS Premium: service fee, annual miles, fee cost per mile, and estimated net yield
Path	Service fee / month	Est. miles / year	Fee cost / mile	Est. net yield / year
KeyChain Pay	HK$180	40,428	HK$0.053	HK$1,883
RentSmart	HK$160	20,000	HK$0.096	HK$80
Rently Card	HK$280	30,560	HK$0.110	−HK$304
Rently FPS (Premium)	HK$230	30,000	HK$0.092	HK$240

Most annual miles: KeyChain Pay
Highest est. net yield: KeyChain Pay
Lowest fee cost per mile: KeyChain Pay
Lowest service fee: RentSmart

Those badges are independent. None of them is an overall winner. At this rent RentSmart has the lowest service fee (HK$160). KeyChain Pay shows more estimated miles (40,428) and a lower fee cost per mile (HK$0.053) if you hold the modeled HSBC cards. Rently Card’s estimated net yield is −HK$304. Rently FPS Premium is HK$240.

Fee Cost / Mile is a year of platform fees divided by estimated miles. Est. Net Yield / Year values those miles at HK$0.10 — a comparison assumption, not cash paid to you — then subtracts a year of fees. Read the fee cost per mile and estimated net yield guide and the comparison methodology.

Aside — one-offs, not in the table. The first-cycle fee waiver changes month 1 only. Do not spread it across twelve months. RENTMILES (1,000 Asia Miles) and welcome miles stay out of fee cost per mile and estimated net yield. Coupon RSli8skt does not change these cells.

Open the RentSmart column at HK$10,000 →

RentSmart vs Rently Card, same Cathay card

The same Standard Chartered Cathay Mastercard can sit on RentSmart (1.6%, Asia Miles on base rent) or on Rently Card (2.8%, Asia Miles on the gross charge, plus HeyMax Max Miles on base rent). At HK$10,000 the table above is the comparison: RentSmart HK$160 and HK$80, Rently Card HK$280 and −HK$304. A lower fee with Asia Miles only often points at RentSmart. The Max Miles stack, with the higher fee, points at Rently Card. Neither is an overall winner.

Rently Card vs Rently FPS compares the two Rently rails, including Basic and Standard. KeyChain Pay vs RentSmart vs Rently is the four-path page. Max Miles transfers are in the HeyMax Hong Kong guide.

Decision checklist

Lean toward RentSmart + the Standard Chartered Cathay Mastercard if:

You already have that card, or you want it for Asia Miles.
You want the lowest modeled platform fee among the four calculator columns.
You can still use the first-time waiver, RENTMILES, or the welcome window while they last.
You do not need Max Miles or an FPS bank transfer.

Lean toward another path if:

You hold HSBC miles cards. Read the KeyChain column in KeyChain Pay vs RentSmart vs Rently.
You want Max Miles from a bank transfer. Read Rently FPS in Rently Card vs Rently FPS.
You want the dual stack and accept the 2.8% card fee. That is Rently Card.
You only have a Citi card. PayAll is not on this calculator.
You are paying a deposit or an agency commission. That is a later move-in guide, not this page.

Common mistakes

Forgetting RENTMILES at registration. The Cathay partner page says it cannot be added later.
Spreading the one-off waiver, the welcome miles, or RENTMILES across a year of fee cost per mile.
Paying so close to the due date that the stated 3-business-day credit window misses it.
Assuming every Mastercard earns the Cathay rent rate. The modeled path is this card.
Mixing a Centaline, deposit, or commission offer into the monthly-rent figures.
Treating coupon RSli8skt, or any referral code, as a change to the comparison.
Copying an older fee table without checking the app and the Oct 2026 line on renttomiles.

Frequently asked questions

How do I earn Asia Miles paying rent with RentSmart?: RentSmart charges your Mastercard and pays the landlord by bank transfer. On the path renttomiles models, the Standard Chartered Cathay Mastercard earns HK$6 = 1 Asia Mile on base rent, not on the service fee. Confirm the live earn rule in the RentSmart app and on the card page before you pay.
What card does renttomiles model for RentSmart?: The Standard Chartered Cathay Mastercard. The bank page also lists Priority Banking and Priority Private tiers. The RentSmart column does not apply that rent rate to a different Mastercard.
What is the RentSmart service fee for SC Cathay?: The calculator models 1.6% on the Mastercard rail. At HK$10,000 a month that is HK$160. Rates verified Oct 2026. Confirm the live fee in the app. A first-time fee waiver, if you qualify, is a one-off and is not the fee in this recurring figure.
What is HK$6 = 1 Asia Mile on RentSmart?: One Asia Mile per HK$6 of base rent on the modeled Standard Chartered Cathay route. The fee is not included in that count. At HK$10,000 a month that is 20,000 estimated miles a year. Dining, hotels, and overseas rates on the card are a different schedule.
What is the first-time SC Cathay RentSmart fee waiver?: A one-off 1.6% service-fee waiver, up to HK$2,400, on an eligible Standard Chartered Cathay Mastercard that has never transacted on RentSmart. The waived transaction is capped at HK$150,000. RentSmart’s partner page dates it from 1 May until 31 December; Standard Chartered’s Cathay page says from now to 31 December 2026 (both fetched 9 Oct 2026). It applies once per user and/or eligible card. Do not treat it as twelve months of waived fees.
What is the RENTMILES invitation code?: RENTMILES is the invitation code on RentSmart’s Cathay partner page for 10 November 2025 – 31 December 2026. Enter it while you register. That page says a missed code cannot be added later. The published reward is 1,000 Asia Miles after a first residential or parking Mastercard rent of at least HK$3,000, once you submit a Cathay membership number and a matching name. Commercial rent uses BIZMILES for 1,500 Asia Miles in the same window. These miles are a one-off. They are not in the recurring fee-cost-per-mile table.
Until when does the SC Cathay welcome offer on the RentSmart partner page run?: The RentSmart × Standard Chartered page (fetched 9 Oct 2026) says from now until 30 October. This guide treats that as 30 October 2026 because the hero sentence does not repeat the year. It describes New Cardholders choosing up to 120,000 Asia Miles or a FanFest offer (up to HK$10,000 Apple Store gift card) on designated spend, plus extra HK$1 = 1 mile on eligible spending beyond HK$30,000 within two months of issuance, up to 20,000 extra miles. Standard Chartered’s Cathay page markets smaller welcome caps on the standard and Priority Banking tiers, and a separate Cathay gift-card window through 30 November 2026. Welcome miles are not in the recurring table. Confirm New Cardholder status on the bank’s page.
Does the landlord need to register on RentSmart?: No. The landlord typically receives a bank transfer and does not need to sign up. RentSmart’s partner pages say the payment is credited to the designated account within 3 business days. Pay early enough for that window, and check the app before the due date.
RentSmart vs Rently Card if I already have SC Cathay?: Same card, different rails. RentSmart models 1.6% and Asia Miles on base rent. At HK$10,000 a month, with the Rently launch promo off, that is HK$160 a month, 20,000 estimated miles, fee cost per mile HK$0.096, and estimated net yield HK$80. Rently Card models 2.8%, Asia Miles on the gross charge, plus HeyMax Max Miles on base rent: HK$280 a month, 30,560 estimated miles, fee cost per mile HK$0.110, and estimated net yield −HK$304. Neither figure is an overall winner. Re-run the calculator at your rent.
Does renttomiles pick RentSmart as the winner?: No. At HK$10,000 a month, with the launch promo off and Rently FPS on Premium, RentSmart’s HK$160 fee carries the lowest service fee badge. That badge is one dimension. KeyChain Pay shows 40,428 estimated miles and fee cost per mile HK$0.053 on the modeled HSBC route. Rently FPS Premium shows 30,000 estimated miles and fee cost per mile HK$0.092. renttomiles does not pick an overall winner.
Does renttomiles process my rent?: No. renttomiles is an independent calculator only. It does not process rent payments or give financial advice.
Is this page about deposits and agency fees?: No. This page is monthly rent on RentSmart with the Standard Chartered Cathay Mastercard. Deposit, advance rent, agency commission, and the separate Centaline block on the bank’s Cathay page are out of scope.

Read the RentSmart column at your rent

Enter your monthly rent on renttomiles and read the RentSmart column for fee cost per mile and estimated net yield — then confirm the live fee in the RentSmart app. For the wider choice, use KeyChain Pay vs RentSmart vs Rently, Rently Card vs Rently FPS, the fee cost per mile and estimated net yield guide, and the pay rent and earn miles guide. All of them are on the guides hub. Move-in deposits and agency commission are not on this page.

Open the calculator at HK$10,000 → RentSmart in the four-path guide

Questions about a missing card route: info@renttomiles.com.

Some homepage insight links and signup codes may earn renttomiles a referral benefit. They never change the numbers in the comparison. Coupon RSli8skt is optional. This page does not require a code to use the calculator.