^HK$300,000

Min. Annual Salary

1.67%

Cash back on selected online spending

$3 = 1 Mile

Miles Conversion (selected online spending)

All Details

• Key Features

  • A total of 10 times complimentary access to Plaza Premium Lounge. Plus, Priority Access to the designated Plaza Premium Lounges at the Hong Kong International Airport before March 31, 2023. 

  • 5 Membership Rewards points for every eligible HK$ 1 spent on airlines and selected online travel and everyday spend merchants (HK$3 = 1 mile)

  • Add more merchants to 5X Membership Rewards points benefit, e.g. HKTVmall, Apple Store, lululemon etc. Eligible spending on selected merchants, equiv. to HK$3 = 1 Mile. Details please refer to American Express website

  • No administration fee when you transfer your points into 10 air miles partners

  • When purchase electronic products with the card, warranty will be extended by up to 1 year once the original manufacturer's warranty expires! (Including Apple products))

  • No expiry date for Membership Rewards points. Membership Rewards points can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors, Marriot Bonvoy), lifestyle gifts and more

  • First year annual fee waiver

  • 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit

  • You can transfer your points into 10 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more

Welcome Offers

• First-year annual fee waiver

• Apply for the American Express Explorer Credit Card and get rewards up to HK$800 Statement Credits and 68,000 miles!

• Enjoy HK$300 Statement Credit upon successful first transaction (any amount) in the first 3 months

• Enjoy HK$500 Statement Credit upon spend HK$5,000 in the first 3 months

• Local Spending Bonus - HK$1=5 points up to 600,000 points worth $2,000 in cash vouchers or 40,000 air miles

• Foreign Currencies Spending Bonus - HK$1=5 points up to 420,000 points, worth $1,400 in cash vouchers / 28,000 air miles

Overseas Spending

• 3.75 Membership Rewards points for every HK$ 1 equivalent spent in eligible foreign currencies spend(HK$4 = 1 mile)

• 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

Online Shopping

• 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

Annual Fee Waiver

• 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

Air Miles

• 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*)

• *Based on 1 Miles can be redeemed by 15 points

Cash Back

• 16% rebate upon just HK$5,000 spent in the first 3 months.

Best Credit Cards

• 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

• No expiry date for Membership Rewards points. Membership Rewards points can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors, Marriot Bonvoy), lifestyle gifts and more

• First year annual fee waiver

Annual Interest Rate and Fees

Annual Principal Fee	HK$1800(First year annual fee waiver)
Supplementary Annual Fee	N/A
Annual Interest Rate	Retail Purchase APR: 35.96%
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.)
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%
Foreign Check Fee	2%
Cash Advance Transaction Fee	3.5% of cash amount or min HK$100
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$300,000

Card Association

American Express