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!
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We found 7 American Express credit cards for you!
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✨ Limited-Time Welcome Offer【New American Express Platinum Cardmembers Can Earn Up to 1,320,000 Membership Rewards points + HK$50 Rebate!】
From now until 31 August 2026, new Cardmembers^ who successfully apply for The Platinum Card® from American Express via MoneySmart and spend HK$60,000 in eligible purchases (local or foreign currency) within the first 6 months after card approval can earn 660,000 Membership Rewards points!
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Earn an extra HK$50 statement credit upon a single Octopus top-up transaction of HK$600 on iPhone, Apple Watch or Android device in the first 3 months.
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In addition, new Cardmembers who make any eligible purchase during months 15 to 17 after card approval can earn an extra 660,000 Membership Rewards points.
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Terms and conditions apply.
Valid till 31 Aug 2026
【✈️ Fly for Less: Earn Up to 26,000 Miles + HK$500 Rebate!】
From now until 10 August 2026, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and fulfil the spending requirement within the first 3 months can earn up to 26,000 miles—enough to redeem a round-trip flight to Japan ✈️ Plus an additional HK$500 statement credit upon completing their first transaction within 3 months after card issuance and HK$50 statement credit for a single HK$600 Octopus top-up.
🌟 Spend HK$8,000 to earn 8,000 miles — that’s just HK$1 per mile!
Spend a total of HK$30,000 to earn 468,000 Membership Rewards points, equivalent to 26,000 miles.
Terms and conditions apply.
Promotion valid until 10 August 2026
🤩 Ready to Fly Further for Less? Supercharged earning rates:
Year-Round Exclusive Offer with no minimum spending requirement! Earn HK$3=1 mile on eligible local transactions! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas spend!
Valid till 31 Dec 2026
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Best American Express Credit Cards in Hong Kong
| Credit Card | Annual Income Requirement | Benefits |
|---|---|---|
| Credit CardAmerican Express Cathay Pacific Elite Credit Card | Annual Income RequirementHK$300,000 | Benefits 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 |
| Credit CardAmerican Express Cathay Pacific Credit Card | Annual Income RequirementHK$150,000 | BenefitsHK$8 = 2 Asia Miles on Cathay Pacific flight bookings |
| Credit CardBlue Cash℠ Credit Card from American Express | Annual Income RequirementHK$150,000 | Benefits1.2% cashback on local and overseas spending |
| Credit CardAmerican Express I.T Cashback Card | Annual Income RequirementHK$150,000 | Benefits2% cashback at I.T stores |
| Credit CardAmerican Express® Platinum Credit Card | Annual Income RequirementHK$300,000 | BenefitsHK$1 = up to 3 points |
| Credit Card American Express® Platinum Card | Annual Income RequirementHK$1,000,000 | BenefitsUnlimited 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.
Privileges
American Express offers its cardholders a host of travel benefits including:
Miles
Discounts & Benefits
Cardholders can enjoy a wide variety of fringe benefits:
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
American Express Cathay Pacific Elite Card
American Express Platinum Card
How to apply for AMEX credit card HK
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
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
Application Process
- Submit an online application form
- Then submit supporting documents online
- Once the application and supporting documents are received, AMEX will process the application
- 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.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.