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Best American Express Credit Cards in Hong Kong

Compare American Express Hong Kong credit cards to earn most air miles, cashback and welcome offers, apply through MoneySmart to get extra rewards! Read More
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We found 9 American Express Credit Cards for you!
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AE 美國運通 logo
MoneySmart Exclusive
Enhanced Welcome Offer

The Platinum Card

MoneySmart Exclusive Offer
HK$2,000
Miles Conversion (local spend)
HK$7.5=1 Mile
Discount at designated restaurants
50%

Successfully apply The Platinum Card now to get extra HK$2,000 supermarket voucher or Apple Gift Card from MoneySmart & welcome offers and Platinum benefits valued up to HK$8,000 once spending at the first time in the first 3 months. All new Global Dining Credit! Platinum Card members can enjoy up to HK$2,000 annually and up to HK$400 statement credit at NET-A PORTER or MR PORTER. From now until 31 October 2022, you can enjoy extra HK$1,000 once spending the first time in the first 3 months and up to 600,000 Membership Rewards points (which is equivalent to HK$2,000 cash vouchers/ to offset your purchases OR 40,000 air miles).

Valid until 31 Oct 2022 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Uncapped 1% rebate on foreign currencies expenses

American Express Gold Business Card

Annual Fee Waiver in First Year
N/A
Mileage Conversion (Local Spending)
HK$6 = 1 Mile
MoneySmart Exclusive Offer
Up to HK$6,180

[Limited Time Offer - limited quota! ] 
First 10 applicants successfully apply American Express Gold Business Card now to get Dyson PurifierCool™ Formaldehyde TP09 from MoneySmart, afterwards, successful applicants can also enjoy HK$300 HKTV mall voucher! With the original HK$2,400 welcome offer, total welcome offer could add up to HK$8,580!

Valid until 15 Oct 2022 - See more details below
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AE 美國運通 logo
Bank Promo
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Miles Conversion (selected online spending)
$3 = 1 Mile
Bank Promo:
Choose Your Explorer!
Offer A) Apply successfully via MoneySmart and upon successful spending in the first 3 months, you can enjoy limited-edition ANSON KONG X EXPLORER Hat Gift Box Set ! Up to HK$4,700 Welcome Offer & first-year annual fee waiver！
OR
Offer B) Apply for the American Express Explorer Credit Card and get rewards up to HK$4900 and first-year annual fee waiver!
Valid until 31 Oct 2022 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Cash back on local spend
1％
Miles Conversion (local spend)
$5 = 1 Mile

Successfully apply American Express® Platinum Credit Card now to get extra HK$800 supermarket voucher from MoneySmart & welcome offers valued up to HK$2,960 upon card approval. From now until 4 October 2022, you can enjoy extra 300,000 Membership Reward point(equivalent to HK$1,000) once spending at the first time. The total value is up to HK$4,760! 

Valid until 04 Oct 2022 - See more details below
Promotion ends in
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AE 美國運通 logo
Bank Promo
Unlimited 1.2% Cashback

Blue Cash® Credit Card from American Express

Min. Annual Salary
HK$0
Cash back on local spend
1.2%
Cash back on overseas spend
1.2%
Bank Promo:
From now till 31 October 2022, apply through MoneySmart's designated link, and get a limited-time welcome offer of up to HK$802! Enjoy 1.2% cash back with no string , cash back credited to account automatically every month with NO administration charge.
Valid until 31 Oct 2022 - See more details below
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AE 美國運通 logo
Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
HK$8 = 1 Mile
Miles Conversion (overseas spend)
HK$0.1875 = 1 Mile
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AE 美國運通 logo
Up to 25% discount at I.T

American Express I.T Cashback Card

Min. Annual Salary
HK$150,000
Cash back on local spend
1.2%
Cash back on overseas spend
1.2%
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AE 美國運通 logo
Complimentary Plaza Premium Lounge access

American Express Cathay Pacific Elite Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (local spend)
HK$6 = 1 Mile
Miles Conversion (overseas spend)
HK$6 = 1.5 Miles
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AE 美國運通 logo

American Express Cathay Pacific Elite Corporate Card

Min. Annual Salary
HK$0
Cash back on local spend
N/A
Miles Conversion (local spend)
$7 = 1 Mile
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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best American Express Credit Cards in Hong Kong

Credit Card Annual Income Requirement Benefits
American Express Cathay Pacific Elite Credit CardHK$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 CardHK$150,000HK$8 = 2 Asia Miles on Cathay Pacific flight bookings
Blue Cash℠ Credit Card from American ExpressHK$150,0001.2% cashback on local and overseas spending
American Express I.T Cashback CardHK$150,0002% cashback at I.T stores
American Express® Platinum Credit CardHK$300,000HK$1 = up to 3 points
American Express® Platinum CardHK$1,000,000Unlimited entry of the Centurion Lounge

How Does AE Reward Program Work?

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.

Privileges

American Express offers its cardholders a host of travel benefits including:

  • Free access to airport lounge including The Centurion Lounge, Priority Pass Lounges and unlimited access to Plaza Premium Lounge
  • 24/7 access to a global assistance hotline
  • Online Fraud Protection Guarantee

    • Miles

  • Cardholders can earn points for eligible transactions which can be converted to miles including Asia Miles, Avios and KrisFlyer
  • Cardholders can also pay HK$240 to enroll in the Turbo Programme, which doubles the earning rate to HK$1=2 points, up to the first HK$160,000 spent per year
  • Holder of American Express Platinum Credit Card can earn HK$1=3 points (capped at HK$120,000 spent) without prior registration

    • Discounts & Benefits

    Cardholders can enjoy a wide variety of fringe benefits:

  • buy-1-get-1-free movie ticket offers at Broadway Circuit and AMC Pacific Place Cinemas on Friday
  • Enjoy up to 50 % off at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. Concepts and Cafe Deco Group as an American Express Gourmet Club member
  • Enjoy dining, shopping and travel offers in a wide range of participating merchants such as Dior Beauty, BLT Steak, Hong Kong Gold Coast Hotel, etc.

    • background image

    American Express Cathay Pacific vs Cathay Pacific Elite vs Platinum Card which one to choose?

    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 Cathay Pacific Card

  • HK$8 = 1 Asia Mile on all local purchases and HK$8 = 1.5 Asia Miles on foreign currency purchases (with no cap)
  • Online Cathay Pacific flight booking: every HK$8 spend= 2 Asia Miles
  • Free green tier membership of The Marco Polo Club
  • Enjoy free access to Plaza Premium Lounge twice a year
  • Complimentary travel insurance and shopping protection
  • Convert spending into Asia Miles automatically with no handling fee

    • American Express Cathay Pacific Elite Card

  • HK$6 = 1 Asia Mile on all local purchases and HK$6 = 1.5 Asia Miles on foreign currency purchases (with no cap)
  • Online Cathay Pacific flight booking: every HK$6 spend= 2 Asia Miles
  • Enjoy enrollment fee waiver for green tier membership of The Marco Polo Club
  • Enjoy up to 3-day priority redemption for online discount flight awards bookings
  • Unlimited Plaza Premium Lounge access every year and get a complimentary Priority Pass and access to over 1,000 lounges

    • American Express Platinum Card

  • Spending can be converted into membership reward points for cash back, gifts or miles 
  • Earn 3 Membership Reward Points for every HK$1 spent on foreign currency spending (Cap at HK$120,000)
  • Unlimited access to airport lounges including The Centurion® Lounge, Priority Pass Lounges and more
  • Buy-1-Get-1-Free on movie tickets on Friday at Broadway Circuit and AMC Pacific Place Cinemas

    • How to apply for AMEX credit card HK

    Step 1

    Eligibility Criteria

    • Age: must be 18 years old or above
    • Residential status: Hong Kong resident 
    • Minimum income: meet the minimum annual income requirement. The minimum income requirement varies between cards so it is best to check before applying

    Step 2

    Documents Required

    • Proof of identity: HKID copy/ valid passport issued by place of origin
    • Income Proof: payslip/ bank statements/ passbook records
    • Address Proof: utility bill/ bank/ credit card statement or letter issued by a bank within the past 3 months

    Step 3

    Application Process

    1. Submit an online application form
    2. Then submit supporting documents online
    3. Once the application and supporting documents are received, AMEX will process the application
    4. If successful, the new credit card will be sent to you by mail.

    How to redeem AE credit card air miles?

    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.

    Frequently Asked Questions

    Does Hong Kong accept AE credit card?

    While Visa and Mastercard are more widely accepted in Hong Kong, some merchants do accept American Express.

    What is the difference between American Express, Visa and Mastercard?

    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.

    Can I transfer American Express rewards points to Cathay Pacific Asia Miles?

    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.

    How do I activate my American Express credit card?

    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.

    How do I get an American Express annual fee waiver?

    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.

    Is it Difficult to Get an AE Credit Card?

    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.