^HK$300,000

Min. Annual Salary

1％

Cash back on overseas spend

1％

Cash back on local spend

How to get 1% cash back?

Earn 3 points for every HK$1 spent with this credit card, you can then use Pay with Points to offset your card bill with the redemption rate of HK$1 for every HK$300.

All Details

• Key Features

  • Limited time offer of 300,000 MR points (equivalent to HK$1,000 if you apply Pay with Points Max) if you apply on or before 31 January 2024 and spend at least HK$5,000 within the first 3 months. (300,000 MR points will be credited to account automatically after your first transaction in the first 3-month of Card membership and in 6 months’ time counting from the first successful transaction.)

  • 5 Rewards points for every HK$1 spent in the first three months (maximum cap of 600,000 points), 600,000 Rewards points equivalent to HK$2,000 if you apply Pay with Points Max.

  • Redeem membership reward points for different benefits - offset spending with cash back or redeem for free flights and upgrades

  • Buy-1-Get-1-Free: 3D, 2D and IMAX regular priced movie tickets on Fridays all year round at Broadway Circuit

  • Local and worldwide travel, leisure, dining, and shopping offers

  • Earn double points at selected supermarkets

  • Enjoy 3% savings on selected regular-priced items at the stores of city’super EKI, city'super, LOG-ON and cookedDeli in Hong Kong all year long. Click here for more details.

  • Miles required may vary and redemptions are subject to availability. An administration fee will apply to each air mile conversion. Terms and Conditions of American Express Membership Rewards Program apply.

  • Introducing Pay with Points Max - enjoy an enhanced rate of 300 points per HK$1 when you cover purchases at 50 popular brands across town, 25% more value compared to the normal rate

  • Card Benefits Terms and Conditions apply

  • Membership Rewards Program Terms and Conditions apply

Cash Back

• Offset future credit card spending with American Express Reward Points (3,000 points = HK$10 rebate)

Dining

• Gourmet Club membership with up to 50% savings on the a la carte dinner menu at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group

• Enjoy 15% savings when dining at selected restaurants at Hyatt Regency Hong Kong, TsimShaTsui

• 30% savings on dine-in dinner and the à la carte food menu for takeaway order at Heichinrou, Metropol Restaurant and Metropol

• 30% savings on the à la carte food and beverage menu for dine-in dinner consumption and also for takeaway order at Mira Dining Selected Restaurants

Air Miles

• HK$6 = 1 mile applicable to first HK$120,000 spent during annual program period

• Rewards points can be transferred to major rewards programs including Asia Miles, KrisFlyer, and British Airways Executive Club

• Enjoy 8% off select hotel bookings on Expedia.com.hk

• Platinum Assist available 24 hours a day, 7 days a week

Online Shopping

• 45 days cover and extended warranty available as part of AMEX's No Worries Guarantee

• Cardholders are protected against fraudulent online transactions

• 14 days price protection for cardholders who identify a purchased item at a cheaper price in Hong Kong

• Buy-1-Get-1-Free on 3D, 2D and IMAX regular priced movie tickets on Fridays all year round at Broadway Circuit

• Whether you shop online or in a store at the participating merchants, you’ll earn double Membership Rewards points*. Please click here to read more.

Welcome Offers

• Get HK$500 city’super cash vouchers by spending HK$5,000 or more in the first three months of card issuance

• 5 Rewards points for every HK$1 spent in the first three months (maximum cap of 600,000 points), 600,000 Rewards points equivalent to HK$2,000

• 4 complimentary movie tickets at Broadway Circuit (value of HK$460) if you apply online

Best Credit Cards

• As low as HK$6 = 1 Air Mile

• Redeem membership reward points for different benefits - offset spending with cash back or redeem for free flights and upgrades

• Enjoy 8% off on Expedia & other hotel benefits

• Entertainment benefits such as discounted movie tickets

• Local and worldwide travel, leisure, dinning, and shopping offers

• Platinum Assist - 7/24 assistance service

Annual Interest Rate and Fees

Annual Principal Fee	HK$2,200
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Interest Free Period	N/A
Annual Interest Rate	36.07%
Late Payment Fees	Retail Purchase APR: 35.96%
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$300, 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 minimum of HK$100
Overlimit Fee	HK$180

Promotion

Apple Gift Card Promo

Minimum Income Requirements

Local Resident	HK$300,000

Card Association

American Express

Wireless Payment

Amex Pay