^HK$300,000

Min. Annual Salary

8 times per Calendar Year

Complimentary Plaza Premium Lounge Access

HK$1.68 = 1 Mile

Miles Conversion (Eligible Foreign Currency Transaction)*

*Enroll to earn as low as HK$1.68 = 1 mile

All Details

• Key Features

  • 🆕 Enroll to earn as low as HK$1.68 = 1 mile* on overseas, airlines and selected travel merchants spending

  • 0% Cross Border Fee

  • A total of 8 times complimentary access to Plaza Premium Lounge worldwide for both basic and supplementary Cardmembers

  • 5 Membership Rewards points for every eligible HK$ 1 spent on selected online merchants or everyday dining

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

  • You can transfer your points into 8 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more

  • 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

Annual Fee Waiver

• First year annual fee waiver

• Spending HK$150,000 annually to waive annual Card fee of HK$2,200 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 8 air miles partners

• 5 Membership Rewards points for every eligible HK$ 1 spent on selected online merchants or everyday dining

• 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

Welcome Offers

• Substantial mileage welcome bonus of up to 71,000 miles , ideal for individuals with high spending habits or those planning significant expenditures

• First-year annual fee waiver

• Welcome Offer: Up to 72,000 miles in total, enjoy HK$3=1 mile on eligible local transactions during welcome period. And, earn 8,000 miles (from 144,000 MR points) upon first HK$7,000 spend
  Welcome Offer terms and conditions apply.

Best Credit Cards

• Complimentary access to Plaza Premium lounges without any additional spending requirements

• 5 Membership Rewards points for every eligible HK$ 1 spent on selected online merchants or everyday dining

• No administration fee when you transfer your points into 8 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

Overseas Spending

• From now until June 30, 2025, enroll to earn as low as HK$1.68 = 1 mile* on Overseas Spend Offers, equivalent to up to 10.75 Membership Rewards points for every HK$1 equivalent spent in foreign currencies transactions
  🆕 New! Enroll to earn as low as HK$1.68=1 mile* on airlines and selected online travel merchants, equivalent to 10.75 points for every HK$1 spent.
  
  *Eligible Cardmembers must successfully enroll in Travel Spend Offer to earn up to 10.75X points (equivalent to as low as HK$1.68 = 1 mile) for (i) every HK$1 equivalent spent in the first HK$10,000 (or equivalent) in foreign currencies from Eligible Transaction and (ii) every HK$1 equivalent spent in the first HK$10,000 in airlines or selected online travel merchants billed to the Registered Card. Travel Spend Offer includes two offers and separate enrollment is required. Conversion rate accurate as of December 2024 and on the basis of 1 mile can be redeemed by 18 Membership Rewards points. Click  here  for more details.

• Pay for your entire fare for an overseas trip with American Express Explorer Credit Card to get Complimentary Travel Insurance

Cash Back

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 selected online merchants or everyday dining

• 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 Interest Rate and Fees

Annual Principal Fee	HK$2,200(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	Waived
Overlimit Fee	Waived

Minimum Income Requirements

Local Resident	HK$300,000

Card Association

American Express

Credit Card Features

Airport Lounge Access