N/A

Annual Fee Waiver in First Year

HK$6 = 1 Mile

Mileage Conversion (Local Spending)

0.83%

Local spending cash rebate

All Details

• Key Features

  • Local spend HK$1 : 2.5 points and foreign currency spend HK$1 : 3 points. Extra 5 points per HK$1 (HK$1: 7.5 points in total) spent at designated Business Essential Merchants in the first 3 months upon Card approval, which is equal to HK$2=1 Mile or 2.5% savings (Base on 15 points = 1 mile as calculation)

  • No expiry date for Membership Rewards points

  • Introducing Pay with Points Max - enjoy an enhanced rate of 240 points per HK$1 when you cover purchases at 50 popular brands across town, 25% more value compared to the normal rate

  • Membership Rewards Program Terms and Conditions apply

Best Credit Cards

• Split personal with company's expenses, not limited by personal credit

• No pre-set spending limit and up to 51 Credit-free days (*Spending limit will adjust based on payment history, credit records and spending pattern. While Actual credit-free period will vary based on the date of charges and the billing cycle cut-off date. )

• Complimentary Business Insurance and Travel Insurance (The plan is underwritten by Chubb Insurance Hong Kong Limited. American Express International, Inc. (American Express) does not act as an agent or fiduciary for you and American Express may act on behalf of the insurance provider, as permitted by law. Exclusion and limitations apply.  Please refer to your Travel Protector plan for details.)

• Supplementary Cards for Your Staff

• Quarterly Management Report

• 24/7 Online Account Access

• Annual fee waived in first year

Business Card

Overseas Spending

• During the welcome offer period, earn HK$2 = 1 Mile for the first HK$45,000 spent in designated stores

• Local spend HK$6 = 1 Mile; Foreign currency spend HK$5 = 1 Mile

• Points can be converted into other milage plans, including Asia Miles, KrisFlyer and British Airways Executive Club

• Lounge access in airports. Basic and Supplementary Cardmembers are eligible to two complimentary visits per year

• Enjoy 8% off in designated hotels using Expedia.com.hk

• 24/7 Online Account Access

Welcome Offers

• Enjoy up to total HK$2,400 welcome offers! Sign up an Amazon Web Services (AWS) account for their company in Hong Kong to enjoy up to US$550 AWS promotional credit (New Accounts: US$550; Existing Accounts: US$500)

• Enjoy HK$100 statement credit upon successful online application

• Spend HK$500 in your 1st month upon basic Card approval to enjoy HK$200 statement credit

• Spend HK$10,000 in your 1st month upon basic Card approval to enjoy up to 75,000 Membership Rewards points

• Spend HK$35,000 in your 2nd - 3rd month upon basic Card approval to enjoy up to 337,500 Membership Rewards points

• Sign up a new AWS Account through designated link to enjoy up to US$550 AWS promotional credit. Existing AWS account holder can also enjoy up to US$500 AWS promotional credit. The offer is valid until 31 Dec 2023

• Spending a total of HK$45,000 in first 3 moths upon basic Card approval to enjoy up to 412,500 Membership Rewards points, offsetting HK$1,375 of your card spending

• HK$1: 7.5 points in total spent at designated Business Essential Merchants in the first 3 months upon card approval, which is equal to HK$2 = 1 Mile (base on 15 points = 1 mile as calculation))

Annual Interest Rate and Fees

Annual Principal Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver	First Year
Interest Free Period	Up to 51 Days*
Annual Interest Rate	N/A
Late Payment Fees	3.9% of lending amount per month until it has been fully repayed. The minimum amount of late payment fees is $100
Minimum Monthly Repayment	N/A
Foreign Currency Transaction Fee	2%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	N/A
Overlimit Fee	N/A

Minimum Income Requirements

Local Resident	HK$200,000

Card Association

American Express

Wireless Payment

Amex Pay