Best American Express Credit Cards in Hong Kong

Updated July 2019

Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good American Express credit card to complement your spending habits.

Popular American Express Credit Cards

HK$400 Voucher and LC Gift Set !

American Express® Platinum Credit Card

$300,000

Min. Annual Salary

1%

Cash back on local spend

$5 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$400 Voucher and Le Creuset Gift Set !Valid till 31 Jul 2019.
  • American Express welcome offer of up to HK$2,960
MoneySmart Exclusive: HK$400 Voucher and Le Creuset Gift Set !Valid till 31 Jul 2019.

Key Features

  • As low as HK$5 = 1 Air Mile
  • Redeem membership reward points for different benefits - offset spending with cash back or redeem for free flights and upgrades
  • 10% off and an extra HK$100 cash back for every HK$2,000 spent on Expedia & other hotel benefits
  • Entertainment benefits such as discounted movie tickets and spa treatments
  • Local and worldwide travel, leisure, dinning, and shopping offers
  • Platinum Assist - 7/24 assistance service

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
American Express Cathay Pacific Elite Credit Card

$300,000

Min. Annual Salary

N.A

Cash back on local spend

$6 = 1 Mile

Miles Conversion (local spend)

  • Welcome offers up to 76,000 Asia Miles

Key Features

  • HK$6 = 1 Mile on local spending
  • HK$6 = 1.5 Mile on foreign currency spending
  • HK$6 = 2 Miles on Cathay Pacific flight booking
  • 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

N.A.

Cash back on local spend

$8 = 1 Mile

Miles Conversion (local spend)

  • Up to 74,000 Asia Miles

Key Features

  • HK$8 = 1 Mile on local spending
  • HK$8 = 1.5 Mile on foreign currency spending
  • HK$8 = 2 Miles on Cathay Pacific flight booking
  • 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$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

HK$400 Voucher!

The Platinum Card

$1,000,000

Min. Annual Salary

N.A.

Cash back on local spend

$7.5 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 31 Jul 2019.
  • American Express welcome offer - Up to 700,000 Membership Rewards Points
MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 31 Jul 2019.

Key Features

  • Unlimited access to worldwide airport lounge
  • Earn 3 Membership Rewards point for every HK$1 oversea spending and flights booking with designated airline (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 FeeN/A
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

HK$350 Voucher + LC Gift Set!

Blue Cash℠ Credit Card from American Express

$150,000

Min. Annual Salary

1.2%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: HK$350 Voucher and Le Creuset Gift Set !Valid till 31 Jul 2019.
  • American Express welcome offer - HK$500 Cashback + 2 movie tickets
MoneySmart Exclusive: HK$350 Voucher and Le Creuset Gift Set !Valid till 31 Jul 2019.

Key Features

  • Enjoy 1.2% Cashback on everyday purchases, in town and overseas

Annual Interest Rate and Fees

Annual Interest Rate37.68%
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
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 Period

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay

HK$100 Voucher and LC Gift Set !

American Express I.T Cashback Card

$150,000

Min. Annual Salary

1.2%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: HK$100 Voucher and Le Creuset Gift Set !Valid till 31 Jul 2019.
  • HK$500 I.T gift certificate for welcome offer +2 Movie tickets
MoneySmart Exclusive: HK$100 Voucher and Le Creuset Gift Set !Valid till 31 Jul 2019.

Key Features

  • 1.2% Cashback on local and overseas spending
  • 2% Cashback at I.T
  • Up to 15% savings at selected I.T stores
  • Up to 25% savings at selected I.T stores as birthday month privileges

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
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 Period

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay

5,000 miles!

American Express Cathay Pacific Elite Corporate Card

N.A.

Min. Annual Salary

N.A.

Cash back on local spend

$7 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: 5,000 additional miles!Valid till 31 Jul 2019.
  • Welcome offer up to 60,000 miles
MoneySmart Exclusive: 5,000 additional miles!Valid till 31 Jul 2019.

Key Features

  • Every HK$10 charged to the Corporate Card with Cathay Pacific and Cathay Dragon will earn 1 Asia Mile
  • Every HK$7 eligible business spent on the Corporate Card will earn 1 Asia Mile
  • 24/7 CUSTOMER SERVICE
  • Worldwide Customer Care Services
  • Travel Inconvenience Insurance
  • Several travel related insurance benefits to card members for no additional charge

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$590
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentN/A
Interest Free Period51 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay
American Express Gold Business Card

HK$200,000

Min. Annual Salary

0.5%

Cash back on local spend

$10 = 1 miles

Miles Conversion (local spend)

Key Features

  • No Pre-Set Spending Limit
  • Up to 51 Credit-Free Days
  • Complimentary Business Insurance
  • Supplementary Cards for Your Staff
  • Quarterly Management Report
  • 24/7 Online Account Access

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentN/A
Interest Free Period51 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay
All results loaded

Best American Express Credit Cards in Hong Kong 2019

Credit Card Annual Income Requirement Benefits
American Express Cathay Pacific Elite Credit CardHK$300,000HK$6 = 1 Asia Mile with no cap
American Express Cathay Pacific Credit CardHK$150,000HK$8 = 2 Asia Miles on Cathay Pacific flight bookings
Blue Cash℠ Credit Card from American ExpressHK$150,0001.2% cashback on local and overseas spending
American Express I.T Cashback CardHK$150,0002% cashback at I.T stores
American Express® Platinum Credit CardHK$300,000HK$1 = up to 3 points

How Does AE Reward Program Work?

American Express rewards program - the Membership Rewards offers selected Amex credit cards points (HK$1 = 1 point) as cardholders spend. The accumulated points can be redeemed for coupons, gifts, or air miles.

Privileges

American Express offers its cardholders a host of travel benefits including

  • Free access to airport lounge including unlimited access to Plaza Premium Lounge
  • 24/7 access to a global assistance hotline
  • Online Fraud Protection Guarantee

Miles

  • Cardholders can earn points for eligible transactions which can be converted to miles including Asia Miles 
  • Cardholders can also pay HK$240 to enroll in the Turbo Programme, which doubles the earning rate to HK$1=2 points, up to the first HK$160,000 spent per year
  • Holder of American Express Platinum Credit Card can earn HK$1=3 points (capped at HK$120,000 spent) without prior registration

Discounts & Benefits

Cardholders can enjoy a wide variety of fringe benefits:

  • 2 for 1 movie ticket offers at Broadway Circuit and AMC Pacific Place Cinemas on Thursday and Friday
  • Enjoy dining, shopping and travel offers in a wide range of participating merchants such as Dior Beauty, Juicy Couture, Hong Kong Gold Coast Hotel, etc.

American Express Cathay Pacific vs Cathay Pacific Elite vs Platinum Card which one to choose?

American Express Platinum Card is designed for high-income earners while American Express Cathay Pacific Card/ American Express Cathay Pacific Elite Card has a more friendly annual income requirement. If you have an annual income of HK$300,000 or more, you can consider applying for American Express Cathay Pacific Elite Card as it offers a higher earning rate and more access to the airport lounge networks.

American Express Cathay Pacific Card

  • HK$8 = 1 Asia Mile on all local purchases and HK$8 = 1.5 Asia Miles on foreign currency purchases (with no cap)
  • HK$5 = 1 Asia Mile on all local purchases and HK$3 = 1 Asia Miles on foreign currency purchases for the first 3 months
  • Online Cathay Pacific flight booking: every HK$8 spend= 2 Asia Mile
  • Free green tier membership of The Marco Polo Club
  • Enjoy free access to Plaza Premium Lounge twice a year
  • Complimentary travel insurance and shopping protection
  • No cap on earning Asia Miles
  • Convert spending into Asia Miles automatically with no handling fee

American Express Cathay Pacific Elite Card

  • HK$6 = 1 Asia Mile on all local purchases and HK$6 = 1.5 Asia Miles on foreign currency purchases (with no cap)
  • HK$5 = 1 Asia Mile on all local purchases and HK$3 = 1 Asia Miles on foreign currency purchases for the first 3 months
  • Online Cathay Pacific flight booking: every HK$6 spend= 2 Asia Mile
  • Enjoy enrollment fee waiver for green tier membership of The Marco Polo Club
  • Enjoy up to 3-day priority redemption for online discount flight awards bookings
  • Enjoy free access to Plaza Premium Lounge every year
  • Enjoy up access to more than 850 airport lounges via complimentary Priority Pass membership for four times each year 
  • Miles conversion is free of charge 
  • Spending will be automatically converted to Asia Miles

American Express Platinum Card

  • Spending can be converted into membership reward points for cash back, gifts or miles 
  • Spend HK$1 = 3 Membership Reward Points (Cap at HK$120,000)
  • HK$1 spent= 5 points for the first 3 months, capped at 600,000 points 
  • 600,000 Rewards points worth HK$2,000 cash voucher/ 40,000 air miles 
  • Redeem as low as HK$5=1 mile including Asia Miles/Avios/Kris Flyer Miles, to name but a few
  • Enjoy 10% off and an extra HK$100 cash back for every HK$2,000 spent on Expedia

How to apply for AMEX credit card HK

Step 1

Eligibility Criteria

  • Age: must be 18 years old or above
  • Residential status: Hong Kong resident 
  • Minimum income: meet the minimum annual income requirement. The minimum income requirement varies between cards so it is best to check before applying

Step 2

Documents Required

  • Proof of identity: HKID copy/ valid passport issued by place of origin
  • Income Proof: payslip/ bank statements/ passbook records
  • Address Proof: utility bill/ bank/ credit card statement or letter issued by a bank within the past 3 months

How to redeem AE credit card air miles?

  • You can do so via your chosen frequent flyer program online or by contacting your frequent flyer program by phone
  • The full amount of points are not required. Cardholders are allowed to pay with a combination of points and cash

Frequently Asked Questions

Does Hong Kong accept AE credit card?

While Visa and Mastercard are more widely accepted in Hong Kong, some merchants do accept American Express.

What is the difference between American Express, Visa and Mastercard?

American Express, Visa and Mastercard are all credit card companies that maintain global payment networks. American Express is slightly less widely accepted than the other two but is still valid at many major hotels, department stores, and restaurants. Amex also issues credit cards directly (rather than through banks), so it may offer more attractive perks and better customer service.

Can I transfer American Express rewards points to Cathay Pacific Asia Miles?

Yes, you can convert Amex Membership Rewards points into miles with any of Amex’s partner frequent flyer programs, including Cathay Pacific Asia Miles. Every 15,000 points can be changed to 1,000 Asia Miles, which can then be used to redeem Cathay Pacific flights.

How do I activate my American Express credit card?

Easy: Just call the number on the back of the credit card. Alternatively, you can activate your credit card online. We recommend registering for American Express online services as well, so you can receive credit card e-statements, pay bills online, and manage your rewards points easily.

How do I get an American Express annual fee waiver?

Several American Express credit cards offer a first-year annual fee waiver. Subsequently, you may be able to get your annual fee waived if you meet specific spending requirements. For example, American Express Cathay Pacific credit card holders get a fee waiver by spending HK$100,000 in a year.

Is it Difficult to Get an AE Credit Card?

You might have heard that American Express credit cards are for high net worth individuals and are therefore out of reach for most regular people in Hong Kong. This is true for certain American Express cards such as The Platinum Card, which has a very high annual income requirement of HK$1,000,000. If you’re not a millionaire, however, there are still quite a few American Express credit cards to choose from. In fact, the annual income requirements can be as low as HK$150,000, making Amex cards suitable even as entry-level credit cards.