^HK$150,000

Min. Annual Salary

N/A

Miles Conversion (Dining)

1.2%

Cash back on dining

All Details

• Key Features

  • Unlimited rebate with no minimum spending

  • 1.20% cash back on both local, online and overseas spending

  • Up to 15% I.T savings, 25% discount during your Birthday month

  • Enjoy 20% savings on all 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit

  • 24/7 Customer Service

Annual Fee Waiver

• First-year annual fee waiver (HK$980)

• Enjoy annual fee waiver for the following year by spending HK$25,000 annually

Dining

• Enjoy year-round dining offers from restaurants that participate in American Express Selects

• 10% off on à la carte food at BLT Steak

• 30% savings on Café 8 Degrees at Harbour Plaza 8 Degrees

• Royal Park Hotel 2+2 café offers 10% off

• 12% off Alibi - Wine Dine Be Social at Cordis, Hong Kong

Online Shopping

• 1.2% cashback on local, online and overseas spending

• 20% savings on online booking of 2D, 3D, and IMAX movie tickets at Broadway Circuits

• Protection against unauthorized or fraudulent online transactions

• Up to HK$30,000 in reimbursement cover per incident for purchases affected by accidental damage or theft (occured within 45 days of purchase)

Cash Back

• 1.2% cash back on local and online spending

• 1.2% cash back on overseas spending

• 2% cashback at I.T

• Up to 15% savings at selected I.T stores

• Up to 25% savings at selected I.T stores as birthday month privileges

Best Credit Cards

• 1.2% Cashback on local, online and overseas spending

• 2% Cashback at I.T

• Up to 15% savings at selected I.T stores

• Up to 25% savings at selected I.T stores as birthday month privileges

Welcome Offers

• HK$500 I.T Gift certificate

• 2 Complimentary movie tickets if you apply online

• First year annual fee waiver

Annual Interest Rate and Fees

Annual Principal Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver
Annual Interest Rate	37.67%
Late Payment Fees	5% of the outstanding minimum payment due (The maximum Late Payment Fee is HK$350 and the minimum Late Payment Fee is HK$220.
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Foreign Currency Transaction Fee	2.00%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	3.5% of cash amount or min HK$100
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$150,000
Foreigner	150000%

Card Association

American Express

Wireless Payment

Amex Pay