Explore MOA’s premium card benefits across four tiers: the WHITE, the BLUE, the RED, and the BLACK.


All tiers are accepted at merchants worldwide and support ATM withdrawals globally.

the BLACK

• Up to 10% MOA cashback

• 2× MOA Boost

• Retail, hotel, and transfer discounts, and more

• Curated premium privileges, including 5-star stays, airport meet-and-greet, lounge access, and more

the RED

• Up to 7% MOA cashback

• 1× MOA Boost (annual spending of $35,000 or more)

• Retail, hotel, and transfer discounts, and more

• Two complimentary lounge visits and two private transfers per year, plus additional benefits

the BLUE

• MOA cashback benefits

• MOA Boost benefits

• Retail, hotel, and transfer discounts, and more

the WHITE

• MOA cashback benefits

• Retail, hotel, and transfer discounts, and more

*Benefits may vary by merchant, region, and availability. Terms apply.