No, you can get unlimited 1.2% cash back on local, overseas and online spending with this credit card. Note that no cashback will be earned in bill payment.
Quick Facts
Get the maximum value by
big purchases. The more you spend, the more rewards you get.
Good for
consumers who don't like manual conversion of credit card rewards or remembering spending categories
Categories to maximise this card
welcome offers and everyday purchases
What people use it for
all purchases, including autopay
Get if
you want to earn rewards for all transactions without remembering the specific spending categories
All Details
Enjoy 1.2% cash back on everyday online, local and foreign currencies spending
Cash back is credited to account automatically every month.No minimum spending requirement on cash back
Enjoy greater flexibility when making big purchases at selected merchants with our interest-free instalment program
First-year annual fee waiver. Spend HK$25,000 annually and your annual Card fee will be waived for the following year
Online Fraud Protection Guarantee and 45 Days Cover
Enjoy annual fee waiver for the next year upon spending HK$25,000 annually
Enjoy 20% savings on 3D, 2D and IMAX movie tickets at Broadway Circuit
Items purchased via American Express credit card are insured against theft or accidental damage for up to 45 days
Cardholders won't be held responsible for fraudalent online transactions
1.2% cash back on local, online spending and overseas spending
Free size upgrade on handcrafted beverages at Pacific Coffee
1.2% cash back on local and overseas spending
First-year annual fee waiver (HK$980)
Apply online and get 2 free movie tickets (Valued for $230)
Spend HK$6,000 in the first two months, and get $500 additional spending rebate. With the base 1.2$ rebate, get up to $572 total rebate value!
Limited-time offer with up to HK$802 rewards
Enjoy 1.2% cashback on everyday online, local and overseas purchases
Annual Principal Fee
HK$980
Supplementary Annual Fee
N/A
Fee Waiver
Annual Interest Rate
Retail Purchase APR: 35.96%
Late Payment Fees
Late payment fees: 5% of the outstanding minimum payment due (The maximum Late Payment Fee is HK$350 and the minimum Late Payment Fee is HK$300. However, the Late Payment Fee will not exceed the minimum payment due.)
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$300, plus any overdue minimum payments and any amount exceeding your credit limit.
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