^HK$300,000

Min. Annual Salary

HK$6 = 1 Mile

Miles Conversion (local spend)

HK$6 = 1.5 Miles

Miles Conversion (overseas spend)

All Details

• Key Features

  • Welcome offers worth up to 76,000 Asia Miles

  • Earn 2 Asia Miles for every HK$6 spent on Cathay Pacific flight bookings via www.cathaypacific.com

  • Convert your spending into Asia Miles with no handling fee

  • Enjoy complimentary access to Plaza Premium Lounge each year

  • Complimentary travel accident insurance with coverage up to HK$3.5 million

  • First-year annual fee waiver worth HK$1,800

  • Enjoy 10% discount at Broadway Circuit

  • HK$6 = 1 Asia Mile on all local spend and HK$6 = 1.5 Asia Miles on foreign currency spend

  • Enjoy Enrolment Fee Waiver for Green tier membership of The Marco Polo Club

  • Up to 3-day priority redemption for selected discount flight awards bookings online from time to time

Annual Fee Waiver

• First-year annual fee waiver (HK$1,800)

• Enjoy annual fee waiver for the next year upon spending HK$150,000 annually

Online Shopping

• Earn 1.5 Asia Miles for every HK$6 in foreign currency spend (both online and offline transactions)

• Items purchased via American Express credit card are insured against theft or accidental damage for up to 45 days

• Fraud Protection: you won't be held responsible for fraudulent online transactions

• American Express will refund the difference if cardholder sees an identical item offered at a cheaper price in Hong Kong (within 14 days of purchase)

Air Miles

• HK$6 = 1 Asia Mile on local spending

• HK$6 = 1.5 Asia Miles on foreign currency spending

• HK$6 = 2 Asia Miles on Cathay Pacific flight booking

• No cap on earning Asia Miles

• Covert your spend into Asia Miles automatically with no handling fee

• Enjoy 10% discount on purchase of Asia Miles Gift Miles, Mileage Renewal and Transfer Fee

Cash Back

• Enjoy discount offer on designated merchants such as Pricerite.com.hk. South China Morning Post, Fotomax, Pure Yoga and Dr. Martens

• Return Guarantee, 45 Days Cover, Extended Warranty, Price Protection, Online Fraud Protection Guarantee

Dining

• Enjoy a wide range of year-round hotel dining offers

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

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

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

• 10% savings on Alto 88 at Regal Hong Kong Hotel

Welcome Offers

• Welcome offers worth up to 76,000 Asia Miles (available within first three months of card issuance)

• Earn up to 40,000 Asia Miles on local spending (HK$5 = 1 Asia Mile)

• Earn up to 30,000 Asia Miles on foreign currency spending (HK$3 = 1 Asia Mile)

• Earn 5,000 Asia Miles by spending HK$5,000 or more in the first three months

• Earn 1,000 Asia Miles by applying for credit card via online application

Best Credit Cards

• HK$6 = 1 Mile on local spending

• HK$6 = 1.5 Mile on foreign currency spending

• HK$6 = 2 Miles on Cathay Pacific flight booking

• Covert your spend into Asia Miles automatically with no handling fee

• Enjoy 10% discount on purchase of Asia Miles Gift Miles, Mileage Renewal and Transfer Fee

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Annual Interest Rate	37.67%
Late Payment Fees	5% of the outstanding minimum payment due (maximum charge is HK$350 and the minimum charge is HK$220)
Minimum Monthly Repayment	The Minimum Payment is calculated as 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 the amount withdrawn (minimum HK$100)
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$300,000
Foreigner	HK$300,000

Card Association

American Express

Wireless Payment

Amex Pay