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Calculators
Updated October 2019
Earn cash rebate on dining, hotel bookings or online shopping spend by using American Express cash back credit cards. Compare and choose from a wide range of flat rate, tier based or special bonus category cash back credit cards in Hong Kong.
| Annual Interest Rate | 37.68% |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| 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 |
| 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 |
| 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 |
| Annual Interest Rate | 37.67% |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
With a Cashback Credit Card, you can automatically earn cash rebates on every eligible purchase both locally and overseas to offset your spending. Some credit cards offer unlimited Cashback on spending while the others set a cap. Cardholders may enjoy a higher rate of Cashback when making purchases in designated categories.
AMEX offers 1.2% Cashback for every $1 spend on eligible purchases with AMEX Cashback Credit Card both in town and overseas. What’s more, with I.T Cashback Card, cardmembers can also enjoy bonus 0.8% at I.T stores.
AMEX Blue Cash card and I.T card offer 1.2% cashback for everyday purchases locally including retail spending and octopus AAVS.
AMEX Blue Cash card and AMEX I.T card offer 1.2% cashback for overseas spending for goods and services in areas like dining, shopping etc.
Credit Card holders cannot earn Cashback in the following transactions: credit card annual fee, balance transfer, finance charges, late payment and referral changes, tax bill payment or any utility gas and electricity payments etc.
It is worthwhile getting an I.T Cashback card if you are a regular customer at the physical I.T stores as it offers an extra 0.8% Cashback on top of the 1.2 % basic Cashback. Overall, it is worth it to apply for a Cashback card if you prefer instant rewards.
AMEX credit cards offer peace of mind with its online fraud protection guarantee, 45 days cover of purchases and 24/7 customer service.
AMEX offers up to HK$30,000 in reimbursement cover per incident for purchases affected by accidental damage or theft occurred within 45 days from the date of purchase.
AMEX cardholders won't be held responsible for fraudulent online transactions provided that incidents are reported on or before the due date of the statement upon discovery.
I.T Cashback card offers up to 15% savings at selected I.T stores and cardholders even enjoy up to 25% savings at selected I.T stores as birthday month privileges. Cardmembers can even enjoy 15% savings on 2D, 3D and IMAX movie tickets at Broadway Circuit and AMC Pacific Place Cinemas. Not only can Cardmember earns Cashback but also great savings such as year-round dining offers from restaurants that participate in AMEX Selects.