Complimentary Plaza Premium Lounge Access
- HK$300,000
- Min. Annual Salary
- 1.67%
- Cash back on selected online spending
- $3 = 1 Mile
- Miles Conversion (selected online spending)
All Details
Membership Rewards points can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors, Marriot Bonvoy), lifestyle gifts and more
Up to HK$4,200 Welcome offer! Earn HK$300 city'super cash voucher upon successful application and first spending
Enjoy HK$300 city'super cash voucher upon Card approval and any successful spending*
Receive HK$500 city'super cash vouchers by spending HK$5,000 in the first 3 months
Local Currency Spend Bonus: first 3 month HK$1=5 points (up to HK$2,000 cash vouchers or 40,000 air miles)
Foreign Currency Spend Bonus: first 3 month HK$1=5 points (up to HK$1,400 cash vouchers or 40,000 air miles)
*Online reward: submit the application online and all required valid documents within 7 working days from application
Membership Rewards points can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more
5 Membership Rewards points for every eligible HK$ 1 spent on airlines and selected online travel and everyday spend merchants
3 Membership Rewards points for every HK$ 1 spent on eligible local transactions
3.75 Membership Rewards points for every HK$ 1 equivalent spent in eligible foreign currencies spend
5 Membership Rewards points for every eligible HK$ 1 spent on airlines and selected online travel and everyday spend merchants (HK$3 = 1 mile)
No administration fee when you transfer your points into 10 air miles partners
Enjoy a total of 10 times complimentary Plaza Premium Lounge access every calendar year.
3.75 Membership Rewards points for every HK$ 1 equivalent spent in eligible foreign currencies spend(HK$4 = 1 mile)
Enjoy a total of 10 times complimentary Plaza Premium Lounge access every calendar year.
Pay for your entire fare for an overseas trip with American Express Explorer Credit Card to get Complimentary Travel Insurance
Worldwide access to Express Cash
No administration fee when you transfer your points into 10 air miles partners
5 Membership Rewards points for every eligible HK$ 1 spent on airlines and selected online travel and everyday spend merchants (HK$3 = 1 mile*)
3 Membership Rewards points for every HK$ 1 spent on eligible local transactions (HK$5 = 1 mile*)
3.75 Membership Rewards points for every HK$ 1 equivalent spent in eligible foreign currencies spend (HK$4 = 1 mile*)
*Conversion rate accurate as of February 2021.
First year annual fee waiver
Spending HK$150,000 annually to waive annual Card fee of HK$1,800 for the following year(including your Basic Card and Supplementary Cards)
Free annual fee for 2 complimentary Supplementary Cards
| Annual Principal Fee | HK$1,800 |
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| Supplementary Annual Fee | N/A |
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| Annual Interest Rate | 37.67% |
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| 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$300.) |
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| 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. |
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| Foreign Currency Transaction Fee | 2% |
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| Cash Advance Transaction Fee | 3.5% of cash amount or min HK$100 |
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| Overlimit Fee | HK$180 |
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