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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.
HK$400 Voucher
$300,000
Min. Annual Salary
$5 = 1 Mile
Miles Conversion (overseas spend)
$5 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 36.07% |
|---|---|
| Principle Annual Fee | HK$2,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| 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$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
| Interest Free Period | N.A. |
| Local Resident | HK$300,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
HK$400 Voucher!
$1,000,000
Min. Annual Salary
$5 = 1 Mile
Miles Conversion (overseas spend)
$7.5 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$7,800 |
| Supplementary Annual Fee | complimentary 2 supplementary cards |
| Fee Waiver | No |
| Minimum Monthly Repayment | N/A |
| Interest Free Period |
| Local Resident | HK$1,000,000 |
|---|---|
| Foreigner | HK$1,000,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N/A |
$300,000
Min. Annual Salary
$6 = 1.5 Mile
Miles Conversion (overseas spend)
$6 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.67% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Local Resident | HK$300,000 |
|---|---|
| Foreigner | HK$300,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
$150,000
Min. Annual Salary
$8 = 1.5 Mile
Miles Conversion (overseas spend)
$8 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | 37.67% |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| Credit Card | Minimum Salary | Miles Conversion (Local Spend) |
|---|---|---|
| American Express Cathay Pacific Elite Credit Card | HK$300,000 | HK$6 = 1 Mile |
| American Express Platinum Credit Card | HK$300,000 | HK$5 = 1 Mile |
| American Express Cathay Pacific Credit Card | HK$150,000 | HK$8 = 1 Mile |
| The Platinum Card | HK$1,000,000 | HK$7.5 = 1 Mile |
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.
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.
With American Express credit card, cardholders enjoy 10% off Asia Miles Gift Miles.
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.
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.
Cardholders can enjoy up to 3-day priority redemption in advance for booking selected discount flight awards online.
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 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.
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 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.
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.
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.
American Express partners with Asia Miles, British Airways Executive Club, Dynasty Flyer Emirates Skywards, Enrich, Finnair Plus, Singapore KrysFyer and Virgin Atlantic Flying Club.
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.