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Updated October 2019
Compare and apply for the best business credit cards in Hong Kong. Get more out of your business expenses by earning points from a variety of purchases.
51 days
Interest free period
N.A.
Cash back (local spending)
$7 = 1 Mile
Miles Conversion (local spend)
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$590 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | 51 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
51 Days
Interest free period
0.5%
Cash back (local spending)
$10 = 1 miles
Miles Conversion (local spend)
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | 51 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
American Express Cathay Pacific Elite Corporate Card: Every HK$10 spend on Cathay Pacific and Cathay Dragon = 1 Asia Mile, every HK$7 eligible business spent = 1 Asia Mile
American Express Gold Business Card: Every HK$1 local spend = 1.5 points, every HK$1 overseas spend = 2.5 points, enjoy annual fee waiver for the first year, with no pre-set spending limit
Business cards can bring a lot of benefits:
To effectively monitor expenditures, corporate cards offer online management tools and quarterly management report for the person in charge to monitor transactions record, keep track of the expenses for each department and each project, pay for credit card loans and browse payment history.
Interest-free period may last from 50 days to 2 months, which allows flexibility and enough time for corporate to pay off the total balance of the debt.
The corporate can set a maximum spending and transaction limit for each corporate cardholder to effectively manage expenses.
Similar to personal cards, corporate cardholders can earn points, rewards, and miles for each eligible transaction. American Express Cathay Pacific Elite Corporate Card is the only corporate card in town that offers Asia Miles as rewards and American Express Gold Business Card offers points for cardholders to redeem the rewards they prefer.
Corporate cards offer business travellers a host of privileges which include complimentary lounge access, complimentary airport transfer. American Express Gold Business Card can enjoy complimentary lounge access twice. Holders of American Express Cathay Pacific Elite Corporate Card can enjoy a 20% saving on dining and a variety of discounts and special offers when abroad.
Some card issuers offer travel insurance benefits to card members for no additional charge. It usually provides coverage for flight delay or trip cancellation.
Only authorised employees can use corporate cards to pay for their work-related expenses, which will be settled by corporates.
Only registered companies in Hong Kong can apply for corporate cards. Some banks only accept applications from companies with a certain scale. Only employer, partner, owner CEO or Managing Director can apply. The application can be done online.
Yes. Most credit cards support this function, but it is worth noting that handling fee may apply and there may be withdrawal limit.