The American ExpressCredit Card

Get The Bigger Things in Life for Less

The American Express Credit CardAdd to saved cards

Rewards Program:
Membership Rewards
Credit Line:
Up to 3 times your monthly income
Annual Fee:
Basic: 1,926 Baht (VAT Included) First year fee waiver
Supplementary: 1st 2 Supplementary Cards are free. Subsequent Supplementary Cards at 1,284 Baht (VAT Included)
Interest Rate:
Interest Rate :7.99% per annum for Purchases of Goods and Services, 15% per annum for Cash Advance
Credit Usage Fee : 5% per annum

An on going low rate of 12.99% 1

Enjoy an on going low rate of 12.99% per annum for purchases of goods and services when you choose to pay the specified minimum amount each month.

1% Cashback via Point for Credit program 2

From 1 Dec 2016 - 31 Dec 2017, American Express Credit Card can enjoy the new Points for Credit conversion rate of 1,000 Membership Rewards points for THB 250 in credit, that is an equivalent of 1% cashback* on all your spending, there is no limit to the amount of credit to your Card account.


Terms and Conditions
Click here

Be Rewarded for Your Everyday Spending

Every Baht 25 spent earns you 1 Membership Rewards point. Enjoy the Points for Credit conversion rate of 1,000 Membership Rewards points for Baht 250 in credit, that is an equivalent of 1% cashback on all your spending, available between 1 Dec 2016 and 31 Dec 2017, which is exclusive to the American Express Credit Card. There is no limit to the amount of credit to your Card account you can redeem – the more you spend, the more credit you get to receive.

Not only that, you can enjoy the myriad of Membership Rewards redemption options encompassing travel, fashion, retail goods, home appliances, dining vouchers and many more.

You automatically enjoy Membership Rewards Basic option under Membership Rewards program right away and there is no expiry date for Membership Rewards points. Terms and Conditions apply, please click here for full details

Get The Bigger Things in Life for Less

You can take advantage of an on going low rate of 12.99% per annum for purchases of goods and services when you choose to pay the specified minimum amount each month. With the lower rate, you can enjoy the bigger things in life, save on your interest payment, and pay off your balances faster.

You can access cash up to 100% of your credit line or maximum of US$1,000 over a 28 days period at over 520,000 ATM locations around the world that display the ATM Pool or Express Cash sign. A service fee equivalent to 3% of the withdrawn amount (subject to VAT) will be charged.

Terms and Conditions apply, please click here for full details

More Protection1

Return Guarantee gives you peace of mind in case you are dissatisfied with an an item purchased on the Credit Card in Thailand and would like to return it. The minimum price must be Baht 1,000, the item has to be purchased solely for personal use and entirely with your American Express Credit Card.

If, within 7 days of purchase, you are dissatisfied with the covered item and the retailer refuses to take it back, you can return it to the Insurance Company, who will indemnify you with the Purchase Price, up to a maximum of Baht 10,000 per item, and subject to a maximum of Baht 32,000 per calendar year.

Best Value Guarantee provides coverage for items purchased entirely with an American Express Credit Card if, within 15 days of the purchase date, an identical item is advertised in print with an offer date stated to be available at a lower price than the American Express Credit Cardmember paid.

The Insurance Company will indemnify the American Express Credit Cardmember for the difference in price of not less than Baht 500 per item and up to the maximum of Baht 10,000 per item, and subject to a maximum of Baht 32,000 for each American Express Card Account held by the American Express Credit Cardmember per calendar year.

Purchase Protection Plan provides for the repair, replacement of covered product or, at the discretion of the Insurance Company, the indemnification of the covered product which has been damaged within 30 days of purchase. The item must be purchased solely for personal use or as a gift and with the American Express Credit Card. Coverage is up to Baht 48,000 per item, and up to a maximum of Baht 240,000 per calendar year.



Note

(1) Please find more information about Insurance benefits in the insurance certificates enclosed in your welcome pack.

More Service

Customer Service team is available for all your enquiries. Please call 0 2273 5999.

The 24-hour all year round Express Access Service allows you to obtain account balance, check your recent payments and charges and enquire about Membership Rewards points easily, and is completely secure. Simply call 0 2273 5999.

Whatever the occasion - personal, social or business - send that thoughtful gift to show you care, without having to take the time off of your busy schedule. Simply place your order at Express Gift Service with the American Express Credit Card. Your gift will be tastefully packaged and delivered, usually within the next day. Simply call 0 2273 5999.

Simplify your life today by getting your monthly bills charged directly to your American Express Credit Card. Simply enroll in Autopay Service.

Importance Information

1 The 12.99% rate per annum for goods and services purchases is based on a credit usage fee of 5% per annum and interest rate of 7.99% per annum and will be applied toward eligible outstanding balances for Statement Periods starting on or after 3rd December 2016. Eligible outstanding balances are balances arising from goods and services transactions and excludes cash advances/Express Cash. The annual rate applicable to cash advances/Express Cash remains at 20% per annum (interest rate and credit usage fee). The 12.99% rate per annum for goods and services purchases is not a promotional rate and does not have a predetermined expiry date. This does not guarantee that the rate will not change in the future. American Express reserves the right to periodically review interest rates and credit usage fee in accordance with the American Express Credit Card Terms and Conditions and applicable law. American Express also reserves the right to offer a credit card with a lower interest rate and credit usage fee at some point in the future.

2 The cashback will be awarded in the form of credit to your Card account pursuant to the American Express Points for Credit Program, and is not exchangeable for cash. The enhanced conversion rate of 1,000 Membership Rewards points for THB 250 credit to your Card account is only applicable to (a) redemptions made between 1st December 2016 and 31st December 2017 (both dates inclusive); and (b) redemptions of Membership Rewards points earned on the American Express Credit Card. Redemptions must be in blocks of 1,000 Membership Rewards points. The Cardmember shall contact American Express and request for points redemption according to the procedures prescribed by American Express from time to time. American Express reserves the right to change the conversion rate or cancel the Points for Credit Program at any time without prior notice. 1% cashback is calculated based on spending of THB 25,000, earning 1,000 Membership Rewards points that can be converted into a THB 250 credit to your Card account. The Terms and Conditions of the Membership Rewards Program and the Terms and Conditions of the Points for Credit Program apply. For full Terms and Conditions, please visit rewards.americanexpress.co.th/en/aboutTerms.mtw and americanexpress.com/thailand/en/personal/cards/rewards/pointsforcredit/terms_point.html. American Express reserves the right to institute an expiry date for Membership Reward points whether the Membership Reward points have already been accrued or accrue thereafter.