Best American Express Credit Cards in Hong Kong

Compare American Express Hong Kong credit cards to earn most air miles, cashback and welcome offers, apply through MoneySmart to get extra rewards! Read More
We found 7 American Express Credit Cards for you!
The Platinum Card
MoneySmart Exclusive
Enhanced Welcome Offer
Miles Conversion (Overseas Spending)
HK$6 = 1 Mile
Miles Conversion (Local Spending)
HK$9 = 1 Mile
Discount at designated restaurants

[MoneySmart Exclusive Offer] 
From now until July 31 2024, apply for Platinum Card and fulfilled spending of HK$15,000 in first 2 months, to get ONE of the six options below! :
1. Dyson Airwrap multi-styler (Retail value : HK$4,480) or
2. NAGUALEP Smart Food Waste Disposer 2.0 (Retail value : HK$4,680) or
3. GoPro HERO12 BLACK Creator Edition (Retail value : HK$4,800) or
4. HK$3,500 Apple Store Gift Card or
5. HK$3,500 PARKnSHOP Supermarket Voucher or
6. HK$3,500 SHKP Mall Voucher
Terms & Conditions Apply.

Valid until 31 Jul 2024 - See more details below
Apply Now
American Express Explorer® Credit Card
MoneySmart Exclusive
No expiry date for Membership Rewards points
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Min. Annual Salary
Complimentary Plaza Premium Lounge Access
8 times per Calendar Year
Miles Conversion (Eligible Foreign Currency Transaction)*
HK$1.68 = 1 Mile
⚡️Limited-time Upgrade Offers】Up to 74,000 Miles Welcome Offer in Town!
From now on until 18 July 2024, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 18,000 American Express Membership Rewards points upon the first transaction within the first 3 months, and gain ⚡️162,000 American Express Membership Rewards points upon the qualified spending of HK$7,000 within the first 3 months.

🔥In short, you can earn 10,000 miles by spending HK$7,000 in the first 3 months upon Basic Card approval. Plus, you can enjoy a total of 8 times complimentary access to Plaza Premium Lounges worldwide every calendar year.

Zoom to Japan, Korea, and Taiwan with Lightning Speed!  Earn HK$2=1 mile on eligible foreign currency transactions during welcome offer period 
Earn HK$4.5=1 mile on eligible local transactions during welcome offer period, up to 432,000 Points, enough to redeem for 24,000 miles. That's a potential of up to 64,000 bonus miles!
Valid until 18 Jul 2024 - See more details below
Apply Now
American Express Gold Business Card
MoneySmart Exclusive
Uncapped 1% rebate on foreign currencies expenses
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Annual Principal Fee
First-year Annual Fee Waiver
Foreign Currency Spending Bonus
Up to 3X points^
Local Spending Bonus
Up to 2X points^
Bossing your business? Get the "Boss Gold Card" for real perks and show your boss status. Apply now with your BR ready! Enjoy first-year annual fee waiver upon successful application!

Limited-time offer: Get HK$1,300 for Approved Card & HK$1,000 Spent!】 
 Customers who successfully apply for the American Express Gold Business Card through MoneySmart can earn HK$500 statement credit upon first transaction made. Enjoy another HK$800 statement credit upon accumulated spending of HK$1,000 in the first 3 months❤️‍🔥! 

【Welcome Bonus Rewards】 
By accumulating a total of HK$45,000 in spending within the first three months, you can enjoy an additional 315,000 points (which can redeem for HK$1,050 Pay with Points or 17,500 miles)! 
Valid until 20 Jul 2024 - See more details below
Apply Now
American Express® Platinum Credit Card
MoneySmart Exclusive
Up to 50% savings at designated restaurants
Min. Annual Salary
Cash back on local spend
Miles Conversion (local spend)
$6 = 1 Mile
【🌟Welcome Offer: Valued up to HK$4,960 upon card approval!】
Apply via MoneySmart by 31 July 2024, and seize the rewards! Enjoy 4 complimentary movie tickets and a limited-time offer of 300,000 MR points. An aggregate spend of HK$5,000 within the first 3 months grants you [✈️Newly added!] HK$2,000 HK Express cash vouchers OR 300,000 MR points! Don't miss out on the chance to earn rewards up to HK$4,960 OR rewards up to HK$2,960 with 16,666 miles (converted by 300,000 MR points) — APPLY NOW!

300,000 MR points is equivalent to HK$1,250 if you apply Pay with Points Max which is enough to redeem a free round-trip flight to Taiwan!

💡Reminder: If you would like to select HK$2,000 HK Express cash vouchers, please click here to complete the application. Alternatively, if you prefer 300,000 MR points, you can simply click "Apply Now" to complete the application.
Valid until 31 Jul 2024 - See more details below
Apply Now
Blue Cash® Credit Card from American Express
Unlimited 1.2% Cashback
Min. Annual Salary
Cash back on local spend
Cash back on overseas spend
Read More
American Express I.T Cashback Card
Up to 25% discount at I.T
Min. Annual Salary
Cash back on local spend
Cash back on overseas spend
Read More
American Express Cathay Pacific Elite Corporate Card
Min. Annual Salary
Cash back on local spend
Miles Conversion (local spend)
$7 = 1 Mile
Read More

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Best American Express Credit Cards in Hong Kong

Credit Card Annual Income Requirement Benefits
American Express Cathay Pacific Elite Credit CardHK$300,000 HK$6= 1 Asia Miles on local spending, HK$6= 1.5 Asia Miles on oversea spending with no cap, unlimited year-round free entry of the Plaza Premium Lounge
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
American Express® Platinum CardHK$1,000,000Unlimited entry of the Centurion Lounge

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.


American Express offers its cardholders a host of travel benefits including:

  • Free access to airport lounge including The Centurion Lounge, Priority Pass Lounges and 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, Avios and KrisFlyer
  • 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:

  • buy-1-get-1-free movie ticket offers at Broadway Circuit and AMC Pacific Place Cinemas on Friday
  • Enjoy up to 50 % off at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. Concepts and Cafe Deco Group as an American Express Gourmet Club member
  • Enjoy dining, shopping and travel offers in a wide range of participating merchants such as Dior Beauty, BLT Steak, Hong Kong Gold Coast Hotel, etc.
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    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)
  • Online Cathay Pacific flight booking: every HK$8 spend= 2 Asia Miles
  • 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
  • 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)
  • Online Cathay Pacific flight booking: every HK$6 spend= 2 Asia Miles
  • 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
  • Unlimited Plaza Premium Lounge access every year and get a complimentary Priority Pass and access to over 1,000 lounges
  • American Express Platinum Card

  • Spending can be converted into membership reward points for cash back, gifts or miles 
  • Earn 3 Membership Reward Points for every HK$1 spent on foreign currency spending (Cap at HK$120,000)
  • Unlimited access to airport lounges including The Centurion® Lounge, Priority Pass Lounges and more
  • Buy-1-Get-1-Free on movie tickets on Friday at Broadway Circuit and AMC Pacific Place Cinemas
  • 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

    Step 3

    Application Process

    1. Submit an online application form
    2. Then submit supporting documents online
    3. Once the application and supporting documents are received, AMEX will process the application
    4. If successful, the new credit card will be sent to you by mail.

    How to redeem AE credit card air miles?

    American Express partners with multiple airline loyalty programmes including Asia Miles, British Airways Executive Club, KrisFlyer etc., you can start transferring the points in your credit card by registering your frequent flyer program membership account number and name online or by phone.

    The minimum points transfer requirement for each transaction is 15,000 points and multiples of 7,500 points on top. Note that each point transfer to air miles will require a total amount of HK$200 as an administration fee, but not applicable to Centurion members and Corporate Cardmembers.

    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.