Annual Fee Waiver in First Year

Annual Principal Fee

Up to 3X points^

Foreign Currency Spending Bonus

^Only eligible to the first HK$300,000 eligible spend billed to the Business Gold Card during each program period. From HK$300,001 and onwards, Business Gold Cardmember will earn 1 point for every HK$1 spent on local transactions and 2 points for every HK$1 equivalent spent on foreign currency transactions. Each program period shall run from January 1 to December 31 of each such calendar year.

Up to 2X points^

Local Spending Bonus

^Only eligible to the first HK$300,000 eligible spend billed to the Business Gold Card during each program period. From HK$300,001 and onwards, Business Gold Cardmember will earn 1 point for every HK$1 spent on local transactions and 2 points for every HK$1 equivalent spent on foreign currency transactions. Each program period shall run from January 1 to December 31 of each such calendar year.

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$2.4=1 Mile (Base on 18 points = 1 mile as calculation)

  • No expiry date for Membership Rewards points

  • Introducing Pay with Points Max - enjoy an enhanced rate of 300 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

  • ^Only eligible to the first HK$300,000 eligible spend billed to the Business Gold Card during each program period. From HK$300,001 and onwards, Business Gold Cardmember will earn 1 point for every HK$1 spent on local transactions and 2 points for every HK$1 equivalent spent on foreign currency transactions. Each program period shall run from January 1 to December 31 of each such calendar year.

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

• 🆕 Enjoy three 1-day Complimentary Coworking passes at the City Lounges of The Executive Centre per calendar year, to access the lounge and communal areas; Enjoy a 20% off Meeting Room and Event Space booking with this reference code [AMEX] via the dedicated link after registration

Business Card

Welcome Offers

• Enjoy welcome offers worth up to HK$2,800!

• First transaction bonus: Enjoy HK$200 statement credit upon successful application and first successful spending in the first 3 months

• Welcome bonus: Enjoy HK$800 statement credit upon spending HK$1,000 in the first 3 months

• Spending bonus: Enjoy additional 315,000 points upon spending HK$45,000 in the first 3 months, which is enough to redeem HK$1,050 Pay with Points/ cash vouchers

• Business Essential Merchant bonus: Earn extra 5X points at selected merchants2 in the first 3 months, capped at 225,000 points, which is enough to redeem HK$750 Pay with Points/ cash vouchers

Overseas Spending

• 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

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

Credit Card Features

Airport Lounge Access