Best American Express Cash Back Credit Cards Hong Kong

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.

Popular American Express Cash Back Credit Cards

Blue Cash℠ Credit Card from American Express

$150,000

Min. Annual Salary

1.2%

Cash back on overseas spend

1.2%

Cash back on local spend

  • American Express welcome offer - HK$500 Cashback + 2 movie tickets

Cash Back Features

  • 1.2% cash back on local spending
  • 1.2% cash back on overseas spending
  • Cash back will be automatically credited to the cardholder's account
  • HK$500 bonus cash back by spending HK$6,000 or more in the first 2 months

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
American Express® Platinum Credit Card

$300,000

Min. Annual Salary

1%

Cash back on overseas spend

1%

Cash back on local spend

Cash Back Features

  • HK$100 cash back for hotel bookings at Expedia.com.hk
  • Receive a maximum cash back of HK$500 per quarter as part of the Expedia offer
  • Cash back will be credited to account within 3 - 5 days after eligible Expedia purchases are posted
  • Offset future credit card spending with American Express Reward Points (300 points = HK$1 rebate)
  • Enjoy discount offer on designated merchants such as Pricerite.com.hk. South China Morning Post, Fotomax, Pure Yoga and Dr. Martens, etc

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 Credit Card

$150,000

Min. Annual Salary

N.A.

Cash back on overseas spend

N.A.

Cash back on local spend

Cash Back Features

  • Enjoy discount offer on designated merchants such as Pricerite.com.hk. South China Morning Post, Fotomax, Pure Yoga and Dr. Martens etc.
  • Return Guarantee, 45 Days Cover, Extended Warranty, Price Protection, Online Fraud Protection Guarantee

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
American Express Cathay Pacific Elite Credit Card

$300,000

Min. Annual Salary

N.A

Cash back on overseas spend

N.A

Cash back on local spend

Cash Back Features

  • Enjoy discount offer on designated merchants such as Pricerite.com.hk. South China Morning Post, Fotomax, Pure Yoga and Dr. Martens
  • Return Guarantee, 45 Days Cover, Extended Warranty, Price Protection, Online Fraud Protection Guarantee

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 I.T Cashback Card

$150,000

Min. Annual Salary

1.2%

Cash back on overseas spend

1.2%

Cash back on local spend

  • HK$500 I.T gift certificate for welcome offer +2 Movie tickets

Cash Back Features

  • 1.2% cash back on local spending
  • 1.2% cash back on 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
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What is a Cashback Credit Card?

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.

American Express Cashback Offers

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.

Local spending

AMEX Blue Cash card and I.T card offer 1.2% cashback for everyday purchases locally including retail spending and octopus AAVS.

Overseas Spending

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.

Cashback Restrictions

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.

Is it Worth Getting a Cashback Credit Card?

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.

Is it good to have an American Express credit card?

AMEX credit cards offer peace of mind with its online fraud protection guarantee, 45 days cover of purchases and 24/7 customer service.

45 Days Cover

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.

Online Fraud Protection Guarantee

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.

Special Offers

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.