Best American Express Air Miles Credit Cards Hong Kong

Updated August 2019

Earn air miles when you spend, and travel for free with American Express Asia miles credit cards! Compare air miles reward rates for local & overseas spend and learn more about the latest ongoing promotions for top Asia miles credit cards in Hong Kong.

Popular American Express Air Miles Credit Cards

HK$400 Voucher

American Express® Platinum Credit Card

$300,000

Min. Annual Salary

$5 = 1 Mile

Miles Conversion (overseas spend)

$5 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$400 Voucher!Valid till 31 Aug 2019.
  • American Express welcome offer of up to HK$2,960
MoneySmart Exclusive: HK$400 Voucher!Valid till 31 Aug 2019.

Air Miles Features

  • HK$5 = 1 mile applicable to first HK$120,000 spent during annual program period
  • Rewards points can be transferred to major rewards programs including Asia Miles, KrisFlyer, and British Airways Executive Club
  • 5% savings on all overseas airport pick-up service from Travel Alliance
  • Enjoy 9% off select hotel bookings and an additional HK$100 cash back on Expedia.com.hk
  • Platinum Assist available 24 hours a day, 7 days a week

Annual Interest Rate and Fees

Annual Interest Rate36.07%
Principle Annual FeeHK$2,200
Supplementary Annual FeeN/A
Fee WaiverN/A
Minimum Monthly RepaymentThe 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$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free PeriodN.A.

Minimum Income Requirements

Local ResidentHK$300,000
ForeignerHK$0

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay

HK$400 Voucher!

The Platinum Card

$1,000,000

Min. Annual Salary

$5 = 1 Mile

Miles Conversion (overseas spend)

$7.5 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 30 Aug 2019.
  • American Express welcome offer - Up to 480,000 Membership Rewards Points (which equivalent to 32,000 air miles)
MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 30 Aug 2019.

Air Miles Features

  • Enjoy over 1,200 lounges access over the world and exclusive access to the Centurion Lounges
  • Earn 3 Membership Rewards point for every HK$1 oversea spending(HK$5 = 1 Mile)
  • With Turbo program, earn 2 Membership Rewards point for every HK$1 local spending ((HK$7.5 = 1 Mile)

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$7,800
Supplementary Annual Feecomplimentary 2 supplementary cards
Fee WaiverNo
Minimum Monthly RepaymentN/A
Interest Free Period

Minimum Income Requirements

Local ResidentHK$1,000,000
ForeignerHK$1,000,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A
American Express Cathay Pacific Elite Credit Card

$300,000

Min. Annual Salary

$6 = 1.5 Mile

Miles Conversion (overseas spend)

$6 = 1 Mile

Miles Conversion (local spend)

  • Welcome offers up to 76,000 Asia Miles

Air Miles Features

  • HK$6 = 1 Asia Mile on local spending
  • HK$6 = 1.5 Asia Miles on foreign currency spending
  • HK$6 = 2 Asia Miles on Cathay Pacific flight booking
  • No cap on earning Asia Miles
  • Covert your spend into Asia Miles automatically with no handling fee
  • Enjoy 10% discount on purchase of Asia Miles Gift Miles, Mileage Renewal and Transfer Fee

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment The Minimum Payment is calculated as 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$220 , plus any overdue minimum payments and any amount exceeding your credit limit
Interest Free Period

Minimum Income Requirements

Local ResidentHK$300,000
ForeignerHK$300,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay
American Express Cathay Pacific Credit Card

$150,000

Min. Annual Salary

$8 = 1.5 Mile

Miles Conversion (overseas spend)

$8 = 1 Mile

Miles Conversion (local spend)

Air Miles Features

  • HK$8 = 1 Asia Mile on local spending
  • HK$8 = 1.5 Asia Miles on foreign currency spending
  • HK$8 = 2 Asia Miles on online Cathay Pacific flight bookings
  • HK$5 = 2 Asia Miles on Cathay Pacific in-flight sales purchases (minimum net purchase of HK$500)
  • Enjoy 10% discount on purchase of Asia Miles Gift Miles, mileage renewal, and transfer fee
  • Convert your spend into Asia Miles automatically with no handling fee
  • Enrolment fee waiver for Green tier membership of The Marco Polo Club
  • Enjoy Twice-yearly Plaza Premium Lounge access

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment The Minimum Payment is calculated as 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$220 , plus any overdue minimum payments and any amount exceeding your credit limit
Interest Free Period

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay
All results loaded

Best American Express Credit Cards for Air Miles & Travel 2019

Credit CardMinimum SalaryMiles Conversion (Local Spend)
American Express Cathay Pacific Elite Credit CardHK$300,000HK$6 = 1 Mile
American Express Platinum Credit CardHK$300,000HK$5 = 1 Mile
American Express Cathay Pacific Credit CardHK$150,000HK$8 = 1 Mile
The Platinum CardHK$1,000,000HK$7.5 = 1 Mile

American Express Credit Card Travel Rewards and Promotions

American Express credit cards offer a host of travel and booking privileges, which is well-suited for people who travel frequently, whether that be for leisure or business purposes.

Welcome Bonus Miles

New customer can enjoy 5,000 Asia Miles for spending HK$5,000 in the first 3 months after card issuance. If applicant submits application with all supporting documents required online, he/she will enjoy extra 1,000 miles upon successful application.

Asia Miles Gift Miles

With American Express credit card, cardholders enjoy 10% off Asia Miles Gift Miles.

Complimentary Lounge Access to Plaza Premium Lounge

Selected American Express cardholders can enjoy free access to Plaza Premium Lounge in more than 30 international airports for food, drinks, hot shower suites, and more.

What Makes American Express Air Miles Credit Cards Stand Out

Complimentary Lounge Access

Eligible American Express cardholders can enjoy unlimited free access to Plaza Premium Lounge in more than 30 international airports for food, beverage, hot shower suites, and more throughout the year. Also, selected American Express cardmembers can apply for free Priority Pass membership with 4 free lounge visits for a year to access over 1,200 airport lounges worldwide. The Centurion Lounge is only applicable to Platinum cardholders and Centurion members.

Priority Redemption for Designated Discount Flight Awards

Cardholders can enjoy up to 3-day priority redemption in advance for booking selected discount flight awards online.

Complimentary Travel Insurance

Spend with eligible American Express credit card throughout your trip to enjoy travel accident insurance with up to HK$3.5 million coverage and up to HK$10,000 coverage on travel inconvenience protection.

American Express Cathay Pacific Elite Credit Card v.s. American Express Cathay Pacific Credit Card

American Express Cathay Pacific Elite Credit Card and American Express Cathay Pacific Credit Card are American Express individual credit cards co-branded with Cathay Pacific Airways. Both credit cards offer a host of travel-related privileges such as airport lounge access, complimentary travel insurance and a complimentary Green Tier membership of The Marco Polo Club. The cards also offer you unlimited supplementary cards with the first and second cards for free, 24/7 customer service and online account access. While both American Express Cathay Pacific Elite Credit Card and American Express Cathay Pacific Credit Card require the cardholder to be 18 years or older Hong Kong or Macau resident/citizen with an Asia Miles membership account, the American Express Cathay Pacific Elite Credit Card has a minimum annual income requirement of HK$300,000. The reward points earned by each credit card also has a slight difference. You will get one Asia Mile for every HK$6 local spend and 1.5 Asia Miles for every foreign currency spend the equivalent of HK$6 with American Express Cathay Pacific Elite Credit Card while you will only get one Asia Mile for every HK$8 local spend and 1.5 Asia Miles for every foreign currency spend the equivalent of HK$8 with American Express Cathay Pacific Credit Card. If you an American Express Cathay Pacific Elite Credit Card and American Express Cathay Pacific Credit Card holder with a Marco Polo Club Silver Tier or above membership, you can enjoy 3-day priority redemption for selected discount flight awards booking.

American Express & Marco Polo Club

The Marco Polo membership is the loyalty programme offered by Cathay Pacific and Cathay Dragon. Customers who join the Marco Polo Club members can enjoy a host of privileges including priority booking and boarding, check-in, baggage allowance, lounge access, etc. There are four tiers of memberships in Marco Polo Club - Green, Siler, Gold and Diamond, each comes with its unique range of privileges and benefits. The American Express Cathay Pacific Credit Cards give you a complimentary enrollment into the Green membership of The Marco Polo Club. In order to apply for the American Express Cathay Pacific Credit Cards and become a member of the Marco Polo Club, you have to be a Hong Kong or Macau resident /citizen aged 18 or over, an Asia Miles member and meets the minimum annual income requirement for the credit card. The Green tier members have access to designated Marco Polo Club counters available at Hong Kong International Airport and selected airports worldwide and can enjoy priority boarding. They may also use their Asia Miles to redeem extra seats with extra legroom or extra baggage. Like all other Marco Polo membership tiers, the Green Tier membership lasts 12 months from your enrollment date. You can earn club points when you fly Cathay Pacific, Cathay Dragon or any of the Oneworld airlines and upgrade to the higher membership tiers once you accrue enough club points to enter the next tier threshold.

American Express Credit Card Frequently Asked Questions

How many American Express points do you need for a flight?

American Express is partnering with different airline partners that allow you to transfer the American Express points to different airline loyalty programmes easily. You can transfer 15,000 American Express points for 1000 mileage with Asia Miles, British Airways Executive Club, Dynasty Flyer Emirates Skywards, Enrich, Finnair Plus, Singapore KrysFyer and Virgin Atlantic Flying Club. Each airline partner has its own mileage requirement for flight redemption.

Does American Express have frequent flyer miles?

No. American Express does not have its own frequent flyer programme but it’s partnering with many well-known airline loyalty programme that offers frequent flyer miles.

Is American Express A good travel card?

American Express offers a wide range of credit cards that provide benefits and privileges in different categories. The Cathay Pacific Airways Credit Cards feature travel benefits such as Premium Lounge access, complimentary Green Tier membership of The Marco Polo Club and complimentary travel insurance.

Which airlines do American Express partner with?

American Express partners with Asia Miles, British Airways Executive Club, Dynasty Flyer Emirates Skywards, Enrich, Finnair Plus, Singapore KrysFyer and Virgin Atlantic Flying Club.

How to have American Express annual fee waived?

Your American Express annual card fee can be waived for the following year if you hit the annual spending requirement of your card. For example, the annual fee for the following year of the American Express Cathay Pacific Credit Card can be waived simply by spending HK$100,000 annually. Alternatively, the annual card fee can also be waived if you hold the Marco Polo Club SIlver membership tier or above at the time your annual card fee renewal.

American Express Cathay Pacific Elite Credit Cards cardholders are required to spend HK$150,000 a year to enjoy an annual fee waiver. If the cardmember has upgraded to the Silver tier or above of the Marco Polo Club membership before the renewal, the annual fee waiver will also be applied for the next year.