Which has the lower annual fee, Cathay World Elite Mastercard - powered by Neo or RBC Cathay Pacific Visa Infinite?

The RBC Cathay Pacific Visa Infinite has a $120 annual fee, while the Cathay World Elite Mastercard - powered by Neo charges $180/year.

Which card is better for groceries, Cathay World Elite Mastercard - powered by Neo or RBC Cathay Pacific Visa Infinite?

The Cathay World Elite Mastercard - powered by Neo earns 4.8x on groceries, while the RBC Cathay Pacific Visa Infinite earns 1.6x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The Cathay World Elite Mastercard - powered by Neo has a 3.0% foreign transaction fee, while the RBC Cathay Pacific Visa Infinite has a 2.5% foreign transaction fee.

Cathay World Elite Mastercard - powered by Neo vs RBC Cathay Pacific Visa Infinite — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Cathay World Elite Mastercard - powered by Neo wins by $525/yr — strongest in groceries

Cathay World Elite Mastercard - powered by Neo earns $409 more on groceries
Cathay World Elite Mastercard - powered by Neo earns $106 more on dining & restaurants
$60 higher annual fee, offset by rewards

Groceries: +$409Dining & Restaurants: +$106Travel: +$77

Cathay World Elite Mastercard - powered by Neo: $36/yr in foreign transaction fees

RBC Cathay Pacific Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$930

/first year

2.2% effective$78/mo

vs 1% no-fee card: +$511

Annual rewards earned+$1,146

FX costs−$36

Annual fee−$180

$405

/first year

1.0% effective$34/mo

vs 1% no-fee card: −$14

Annual rewards earned+$555

FX costs−$30

Annual fee−$120

Best for your spendingCathay World Elite Mastercard - powered by Neo—$930Year 1 value

+$525 more than RBC Cathay Pacific Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

Cathay World Elite Mastercard - powered by Neo wins by $525/yr — strongest in groceries

Cathay World Elite Mastercard - powered by Neo earns $409 more on groceries
Cathay World Elite Mastercard - powered by Neo earns $106 more on dining & restaurants
$60 higher annual fee, offset by rewards

Groceries: +$409Dining & Restaurants: +$106Travel: +$77

Showing Year 1 analysis

Cathay World Elite Mastercard - powered by Neo wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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