- Min. Annual Salary
- Cash back on local spend
- Miles Conversion (local spend)
- $7 = 1 Mile
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|Credit Card||Annual Income Requirement||Benefits|
|American Express Cathay Pacific Elite Credit Card||HK$300,000||HK$6= 1 Asia Miles on local spending, HK$6= 1.5 Asia Miles on oversea spending with no cap, unlimited year-round free entry of the Plaza Premium Lounge|
|American Express Cathay Pacific Credit Card||HK$150,000||HK$8 = 2 Asia Miles on Cathay Pacific flight bookings|
|Blue Cash℠ Credit Card from American Express||HK$150,000||1.2% cashback on local and overseas spending|
|American Express I.T Cashback Card||HK$150,000||2% cashback at I.T stores|
|American Express® Platinum Credit Card||HK$300,000||HK$1 = up to 3 points|
|American Express® Platinum Card||HK$1,000,000||Unlimited entry of the Centurion Lounge|
American Express rewards program - the Membership Rewards offers selected Amex credit cards points (HK$1 = 1 point) as cardholders spend. The accumulated points can be redeemed for coupons, gifts, or air miles.
American Express offers its cardholders a host of travel benefits including:
Cardholders can enjoy a wide variety of fringe benefits:
American Express Platinum Card is designed for high-income earners while American Express Cathay Pacific Card/ American Express Cathay Pacific Elite Card has a more friendly annual income requirement. If you have an annual income of HK$300,000 or more, you can consider applying for American Express Cathay Pacific Elite Card as it offers a higher earning rate and more access to the airport lounge networks.
American Express partners with multiple airline loyalty programmes including Asia Miles, British Airways Executive Club, KrisFlyer etc., you can start transferring the points in your credit card by registering your frequent flyer program membership account number and name online or by phone.
The minimum points transfer requirement for each transaction is 15,000 points and multiples of 7,500 points on top. Note that each point transfer to air miles will require a total amount of HK$200 as an administration fee, but not applicable to Centurion members and Corporate Cardmembers.
While Visa and Mastercard are more widely accepted in Hong Kong, some merchants do accept American Express.
American Express, Visa and Mastercard are all credit card companies that maintain global payment networks. American Express is slightly less widely accepted than the other two but is still valid at many major hotels, department stores, and restaurants. Amex also issues credit cards directly (rather than through banks), so it may offer more attractive perks and better customer service.
Yes, you can convert Amex Membership Rewards points into miles with any of Amex’s partner frequent flyer programs, including Cathay Pacific Asia Miles. Every 15,000 points can be changed to 1,000 Asia Miles, which can then be used to redeem Cathay Pacific flights.
Easy: Just call the number on the back of the credit card. Alternatively, you can activate your credit card online. We recommend registering for American Express online services as well, so you can receive credit card e-statements, pay bills online, and manage your rewards points easily.
Several American Express credit cards offer a first-year annual fee waiver. Subsequently, you may be able to get your annual fee waived if you meet specific spending requirements. For example, American Express Cathay Pacific credit card holders get a fee waiver by spending HK$100,000 in a year.
You might have heard that American Express credit cards are for high net worth individuals and are therefore out of reach for most regular people in Hong Kong. This is true for certain American Express cards such as The Platinum Card, which has a very high annual income requirement of HK$1,000,000. If you’re not a millionaire, however, there are still quite a few American Express credit cards to choose from. In fact, the annual income requirements can be as low as HK$150,000, making Amex cards suitable even as entry-level credit cards.