Today's travellers are becoming more intentional about how they pay — and the data backs it up.

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According to Visa's latest Consumer Payment Attitudes Study, 41% of Hong Kong residents rank rewards and benefits among their top considerations when choosing a credit card for Greater Bay Area (GBA) travel. While the study focuses on GBA journeys, the behaviours it highlights are reshaping travel loyalty across markets: winning travel spend starts well before the first transaction. It requires engaging cardholders throughout the entire travel journey — from trip planning and booking to airport experiences, destination spending, and beyond.

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With the summer travel season underway and cross-border mobility continuing to accelerate, issuers have a timely opportunity to strengthen cardholder loyalty at every touchpoint.

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Three levers that move the needle:

• Global card-linked travel offers — Reward cardholders at the moment of spend, tied directly to their existing card with no app download required.

• Airport lounge access — A premium card benefit and a service recovery tool for delays, delivered through Priority Pass across airports worldwide.

• Destination-specific merchant rewards — Local, relevant offers that incentivise spending once cardholders arrive at their destination.

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At On-us, we help issuers bring these experiences to market through card-linked offers, global airport lounge access via Priority Pass, and a cross-border merchant ecosystem spanning 3,000+ international hotel and retail brands across more than 500,000 redemption locations in Hong Kong, the Greater Bay Area, Southeast Asia, Japan, and beyond.

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Interested in building smarter travel loyalty incentive strategies? Book a demo to explore how On-us helps issuers activate travel rewards across every stage of the customer journey.