hong kong airport express travel pass for a 4 days trip

Hello, we are planning a 4 day trip to HK. We arrive at 20:00hrs which means that we only have 3 full days in the city and the 4th day is to travel to our second destination. With that, can you tell me if the travel pass the right package for us? Also, can we pay in the MTR or Airport central with a credit card or it will required cash?